{"metadata":{"transaction_key":"deprecated","request_id":"019fa68e-3b1e-7d52-9e32-454144c60b7c","sha256":"1203548307190003b4031c63c5a1ff2d9a61e18f0b5908cd59957e7632fb21cd","created":"2026-07-28T02:29:29.584Z","duration":1507.32,"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":6363,"output_tokens":103},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7018,"output_tokens":7031},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7018,"output_tokens":452}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Andrew. It's Zena from OQ Financial. How are you this morning or this afternoon? Sorry. Yeah. Very well. Thank you. I had to put in to go through a bit of an annual review today. Is now still a good time there for you? Fantastic. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file. Awesome. Thank you. Yeah. That's perfect. Thank you so much for that. Legend. I do know we sent through some annual review documents to you. Are you able to jump into your emails and have a look at those? If you can't, it's honestly okay. Oh, that's okay. Not an issue at all. I'll send them through that while they're in your email. You can definitely have a bit of a look at them later. In the meantime, I'll just run through your annual review, give you an update on your CV. We'll talk about your insurances, look at maybe updating some advice if it's appropriate to do so, and at what your goals are moving forward. Is there anything specific you maybe wanted to ask me or wanted me to touch on as part of your review today? Oh, wow. Yeah. Yeah. No. Absolutely. So, normally, they don't allow you to take the money out of your super for, like, vet bills and things like that. But in that instance, it would certainly be compassionate grounds. But, look, there's nothing to say you can't submit the claims via myGov to see if the ATO approve it. But under compassionate grounds, it needs to be essentially medical treatment where, you know, you're unable to pay for the expenses yourself. Normally, people do it for their teeth, you know, medical procedures that they need on themselves or their dependents. I've honestly not seen anyone try it for vet bills, but the way you do compassionate grounds is you just apply through your myGov account. You just need to get, any of the documentation required. So you'll essentially need to get, like, vet bills or quotes for how much you'll need to cover the cost and things like that. Just provide all that as evidence. It'll go through the ATO, and then they'll assess the claim and determine whether or not they approve it or not. The if they do approve it, that will determine how much you can take out to cover the cost. There's also tax consequences. So because you're under the age of 60, tax is also going to be deducted or, you know, withheld in relation to the amount that is also taken out, but they'll confirm how much that'll be for you as well on the letter if they approve it. But, look, I have not seen anyone do it for vet vet bills before, but there's no harm in trying. If you've if $10 is a lot of money, especially for that sort of yeah. Yeah. No. Look. Jump on to your myGov account when you got some time. Grab all the medical evidence required. Give it a go. The worst they say is no. At least you can say you've tried. But please keep me updated because, yeah, look, I've seen a lot of different compassionate grounds claims that go through, but I've honestly never seen it done for vet vet bills. So we'll give it a crack and see what happens. Yeah. No. Perfect. All good. Yeah. That's all good. Well, I'll give you an update on your super. So your your balance inside your hub 24 super as of the July 24 is a 196,467 and 46¢. Within host plus, we do have an updated balance of $17,086.20. That is as of September last year. We haven't been able to get updated research since that point. I know that Peter sent through a third party authority for you to sign. Have you received that at all? Yeah. Absolutely. So we just need to get that yeah. Absolutely. Abs have no. Absolutely. We definitely wanna get that sorted for you, so we just need to get that down to the party authority sign so we can get the updated research and clarify exactly what's happening within host plus there. With regards to your hub 24 sleeper there, your balance this time last year, you had a 172,484, and now you're up to a 196 of four sixty seven there. So you have had after fees and a 6.84% return, which is a good solid positive return. As a dollar figure, the income and the growth within the period is 13,645. So it kinda gives you an idea of what 6% looks like for your balance there. It is certainly a little bit lower than where we would sort of like it to be given you are in that growth portfolio. Generally, when we're looking at that sort of portfolio, you're sort of hoping for or tracking around about a seven to 9% return compounded annually there. So it is a little bit lower than where I would like it to sort of be for the year. It is partly because of what's been happening globally with the US, Iran war. Yeah. However, I can also see one of your investments underperforming a little bit in there as well. So you did have or do have been along Australian equities. That one there is the only one that's sort of down and down because that investment hasn't been able to sorry. That investment is meant to be outperforming against the market, the idea of having an active manager in your portfolio. They have not been able to do that, and they have, unfortunately, had a fewer underlying issues that I've been able to sort of evaluate there. So I would like to issues that I've been able to sort of evaluate there. So I would like to, if you're comfortable, update the advice for you, remove that investment, and look at putting something else in its place. I don't want you to be in anything underperforming. Yeah. Absolutely. Now you're still really young. You've got a lot of time on your side here at the moment, so you can't actually access super till the age of 60. Is that kind of your goal age still? Are you hoping to be able to retire as early as possible? Yeah. Absolutely. Yeah. Yeah. Absolutely. Just double checking your goal age there at the moment because, realistically, you've got more than ten years ahead of you. When you think about your super, are you wanting me to look at replacing Banda Long but keeping more of an active manager in your portfolio, or are you wanting to look at more of a a portfolio that's maybe low cost, a bit cheaper in investment fees, but still working harder than, you know, at the moment? What are you sort of looking for in the way of a portfolio? Yeah. Yep. Yeah. That's okay. Yeah. That's okay. So you'd be comfortable looking at more of a passively managed low cost portfolio to save on fees rather than having an active manager taking on more risk trying to outperform against the market. Would you say that's fairly comfortable, or would you prefer the other way around? Yeah. Yeah. Yeah. Beautiful. And look. Lower cost fees means more money stays in your portfolio working harder for you, so that's never a bad thing. And I've got a couple of options I can look to replace that for you. Fantastic. Otherwise, everything else in your portfolio has been performing very nicely there. Your gold, especially, is up by over 14.18% for the that's good to see. The S and P 500 is up over 12% individually there, And we've also got bank hybrids. So those are more of a more of a, sorry, defensive investments and lower risk. So they are looking to phase those out over the next couple of years. So I'll probably look to maybe readjust a few other options in the portfolio if you're comfortable just removing some investments and maybe looking at something that's maybe had a greater past performance and give you this you know, can, you know, provide greater future performance and sort of help to put you in a better position over the next five to ten years. Are you comfortable with me updating everything and looking at it all? Yeah. Excellent. All good. I had a really good look at things before the call, and I was like, we can definitely do some advice, but just wanna make sure you're comfortable with that as well. If you ever decide you don't want to, you're welcome to come back and say, no. Don't do it. Okay? Excellent. All good. Now the other thing I just wanted to sort of chat about was last year, we did provide some updated advice around the insurance aspect there. Because inside your Hub twenty four super fund, sorry, host plus super funds. My apologies. Your life and TPD cover, you're currently covered for based on the last research, a 193,832 of life and total permanent disability cover. I know in the last advice document last year, we were looking to increase and get more retail cover for you and cover you for about 1,100,000 of life and TBD. Are you still wanting to maybe look at re adjusting and looking at new cover, or are you happy with the amount of cover you have in host plus? What's your thought? Yep. That's okay. Did you want me to maybe look at whether we can just keep the level of cover you have in host plus and maybe transfer that into hub 24. So you can still move everything out of host plus into hub 24 and only have one super fund rather than the two, but still just retain that cheap life and TPD cover you have. Is that preferred? Yeah. Beautiful. I'm just I do have your pre assessment we did up last year as well. So just kinda going through. It honestly looks fine. Can I just run through these couple of questions again for you just to sort of confirm eligibility just to make sure there's no changes there? Are you currently off work or unable to perform your duties on a normal full time basis at all? Nope. Have you in the last twelve months been absent from work or unable to perform your normal occupational duties? No. You haven't been off work for more than six days other than having a cold or flu? No. All good. Oh, fantastic. Have you have you ever been diagnosed with or do you suffer from an illness that may cause permanent inability to go to work on a normal full time basis? Nope. Have you ever had an insurance application for death, PPD, total permanent disability, income protection, sickness, or accident refuse? Nope. Have you ever been paid, or are you eligible pay to be paid for any type of claim that's government benefits, worth of compensation, or any insurance claim? Nope. And have you ever had insurance application for death, death and TPD, term illness or income protection offered on a modified or not offered on nonstandard terms? Nope. Perfect. Excellent. So based on this, the pre assessment there, it looks like eligibility. So what I'll do is I'll just go back and complete the research there for you. I'll update the advice document to reflect some changes to your super fund with the recommended investments, look at how that's gonna can help you moving forward, and let's also look at maybe moving that cover over, keeping the life and TPD exactly as it is, and just trying to consolidate everything into one fund to make it easier for you. Does that sound okay? Fantastic. Excellent. Nice and easy. Now we did originally also look at, like, income protection. You don't have any income protection or trauma covered. Do you remember going through those with me last year and chatting a bit more detail about them? Yeah. That's absolutely fine. It's not a problem at all. If there any point you change your mind, just come back and let me know. Because income protection does sort of cover that a percentage of your income if you're unable to go to work. So not having it. It's just about making sure you've got something to fall back on. Do you have much in the way of savings, or how's your expenditure look like? No. No. It's all going on the mortgage. Yep. That's okay. And you're comfortable with just, like, where everything is sitting? Just we'll focus on life and TPD and look at income protection and possibly trauma and things like that down the track for you. Yeah. Excellent. All good. Income wise, I had you on about a 120,000 last year. Have you got a pay increase since then at all? Oh, no. Okay. Well, yeah, you're definitely worth it. Absolutely. Beautiful. And you're not salary sacrificing or not wanting to put any additional in the super at the moment over and above your employer contributions. Is that right? No. That's okay. We're sort of focusing on getting the mortgage down as fast as we can. Is that sort of your main goal still? Yeah. Beautiful. Mortgage wise, we had you on about owing about 340,000 last year. Have you reduced it a bit since then? Yep. $3.80? Yep. Beautiful. All good. And the property we had valued at 700,000 with having that old, and you woulda had it revalued again. What sort of value did they put on it? Oh, fantastic. Excellent. I've also got your motor vehicle down here, a value of about 17,000. What sort of value would you put on your car currently? 10? Yeah. Beautiful. What kind of vehicle is it? Yeah. Perfect. They hold their value pretty well, those things. Everyone still wants a RAV four. We had a loan of about 3,000. Have you refinanced that or managed to pay it off? Gone? Yes. Fantastic. Sorry. Any other cars, boats, or caravans that you'd note down with value? No. That's okay. Any collections or tools of trade or shares or cryptocurrency that you have as well? No. That's okay. All good. I've got down here estate planning side of things. I had it noted that you guys didn't have a will or power of attorney done up. Is that something you've discussed or looked at doing or spoken to a solicitor about? No. That's okay. All good. And with your beneficiary nominations, I have it down here that you want your life cover and your super paid out to Katrina in the event that anything happens. It's a 100% paid to her. That's still valid and correct. Yep. Beautiful. Now the type of nomination that you do have, I'm pretty sure we attached it last year. You do have it as a binding nomination, so it does mean that we have to review that and have it updated and refilled out every three years. The next time it's due is essentially this time next year. Are you happy with the type of nomination? Did you want us to maybe update the advice to reflect, you know, recommendations around making a nomination? You don't have to continuously update. What would you sort of comfort level wise feel? Yeah? Beautiful. Just with the the other type of nomination you that you can have is a binding nonlapsing. It means that you fill the nomination out once, and you don't have to fill it out ever again unless you change the type of nomination. Normally I mean, depending on how things are, normally, we don't wanna change that from our spouse unless they pass away first or something changes in our relationship. And we review that with you every year anyway. So it just means that we don't have to ask you to pre fill that form out every three years, which can get kind of arduous and annoying. So if you're comfortable to do that, beautiful. I'll reflect that in the advice document for you as well, but I'll also get the team to make sure we send it out and update it. Are you happy with us pre filling the nomination for you with Katrina's details to make life a bit easier? Yep. Fantastic. And did you prefer that to be emailed or posted to you or both? Both. Yeah. Absolutely fine. I'll also get them to send out that third party authority for host plus. Again, we'll try and get it all sent out in one one hit. See the signing everything at once. Absolutely. Fantastic. The only other thing gonna touch on is just your risk profile there as well. So you are in that growth environment at the moment, which has, like, an eighty twenty split there. Having a look at the other questions that you've got more than ten years ahead of you before accessing your super, You've never invested in your own name before, have you? Have you ever owned shares? Nope. That's okay. In the event that, say, the market took a big dive, say, 20% or more in the next one to two years, how do you think you might be feeling? Do you think you'd be okay? The buying opportunity, you're not retiring yet, you'll hold and wait, or do you think you'd be a bit more concerned than maybe contacting us? How do you think you might feel in that instance? Yep. Yep. That's okay. Maybe give us a call, see what's happening, and, yeah, have a chat about it. Beautiful. All good. The other question I'd like to sort of go through is, you know, we're all looking to try and get the best returns we possibly can out of our super. But when you think of yourself and the type of risk level that you're undertaking, do you consider yourself comfortable taking on a higher level of risk to obtain greater potential returns, or do you feel you're more in the middle, medium range? You are comfortable with a moderate amount of risk trying to get the best returns you possibly can, or do you consider yourself not comfortable taking on any risk and receiving lower rates of returns because of that? Where do you think you fit? The medium? Yep. Beautiful. And have you ever thought about borrowing from a bank or financial institution in order to invest in shares or managed funds, or would you only ever do that for, say, property? Yep. Property. That's okay. Do you wanna own more property in the future, or you're happy this is your main primary residence? What's the sort of goal property Yep. That's absolutely fine. So looking at that, you have scored there in that growth range. So it sees an eighty twenty split to 80% growth assets like Australian international shares, listed property, and commodities like gold and silver, and then 20% in low risk defensive investments like cash, bonds, and fixed interest. This suits someone who has at least six years before accessing their money. You've got more than that ahead of you. We do expect a likelihood of a negative return, say, one in every five years. And as I said before, we're kind of, wanting to try and get about seven to 9% on a yearly basis. So anything over that 9% isn't over full performance. It's done really well. Anything under that 7% isn't under performance, and we wanna make sure that it's either the performance of the fund, like what's happening within the individual investments, or if it's because of market reactions, then it's completely understandable. Okay? Does that all make sense? Do you have questions? You're welcome to let me know if you do. Fantastic. The only other thing now just updating here, you said you're not really saving much at the moment. Everything's kinda going into your expenditure. If yeah. Perfect. So I'll keep you in that kind of growth environment there. The next sort of five to six years, we have medium term goals here is that yourself and Katrina, your main focus there was to ensure that the kids have what they need and to take each day as it comes and to take some small family trips away. Is that still kind of your medium term goal? Have you been able to do that? Yeah. Have you got any kind of ideas on where you'd like to go? What kind of camping or a bit further away? Yeah. Absolutely. Absolutely. And we wanted to one of the goals I had noted here was that by the time you do retire at 60, you wanna be completely debt free and have that mortgage down. When you think about your mortgage, is there kind of, like, a goal amount that you're hoping to have paid off over the next sort of five to ten years, or you're just trying to sort of hack at it as much as you possibly can and reduce it as quickly as possible? Yeah. Yeah. Not a problem at all. A bit tough for those interest rates going up and down. A bit of a yoyo at the moment in it. I actually kind of feel for it because, like, my kids are seven 19 and 20, and I have a 10 year old. And, like, I feel for them. I love that my property is increasing in value, but I feel for them because without my assistance, I don't know what they're gonna ever be able to own or buy, and their mortgage payments are gonna be through the roof. And, you know, you've got a couple of kids as well, so it's pretty scary on that behalf, isn't it? Yeah. Oh, and because your kids are basically teenagers now, aren't they? Wow. How is that going for you? Yeah. Yeah. Look, they did come out the other side. My 19 and 20 year old are really good, but I had girls at that point. I'm about to go through it with the boys, and I keep saying to my friends, like, any advice on boys is a good thing because it's a whole another kettle of fish. Yeah. No. All good. That's basically everything I needed to touch on at the moment. So I'll go back and do some research for you and update the advice around trying to consolidate everything. Keep your life in TPD. We're not gonna focus on any trauma, child trauma, or income protection at the moment. We can revisit those down the track if you'd like to. I'll just focus on getting things consolidated, transferring your life and TPD where appropriate, and altering your investments within Super for you. The the and the review pack you will have in your email does have the on your ongoing service agreement for the next twelve months there. So you do pay an ongoing service fee. It is 1.65% per annum, and it's deducting a smaller monthly increments out of your super for our services there. If feel free to have you look through that one. I've also got all the documents that we had attached with regard to what I've gone through with your super balance. It's got an index chart in there showing you market reactions over the last thirty years, and it's also got your insurance information there. And I'll get your third party authority done up and also your beneficiary nomination, and we'll get those out to you so we can get that research completed with host cost done in a nice timely manner there. Is there anything I may have missed or not touched on that you might have questions about? Or yeah. Beautiful. I'm just double checking your ID is up to date because Hostplus will want that with the third party authority. It does look like it's out of date on our file. So I will just get the team to send you a text message as well if that's okay, and we'll just get you to update your ID, your license on file there as well. Okay? Easy. Is there any other questions or anything else that you might have for me at the moment? Or I touch on a lot fast. Sorry. That's okay. Beautiful. Beautiful. We'll get this working for you. I'll update the advice in a couple of weeks there. You'll be able to go back and read the advice and decide whether you take on the recommendations or not. In the meantime, if you have any questions or concerns or anything else, let me know. More than happy to sort of touch base and have a chat. And did you want another sort of review with of things in, like, six months, three months, or are you happy with the sponsor year? What would you like to see, Andrew? Six months? Beautiful. We'll get one in around about Christmas time just before we go away for the break, so that'll be fantastic. Excellent. Thank you so much for your time. I'll let you go to enjoy your day, and I hope you have a good week, and I'll get stuck into this research for you. Okay. My pleasure. Thanks for your time today, Andrew. Appreciate it. See you later. Bye.","confidence":0.9980469,"words":[{"word":"hi","start":4.08,"end":4.48,"confidence":0.99365234,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.0765414759516716},{"word":"andrew","start":4.48,"end":4.88,"confidence":0.9975586,"punctuated_word":"Andrew.","sentiment":"neutral","sentiment_score":0.09408961236476898},{"word":"it's","start":4.88,"end":5.12,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10304409265518188},{"word":"zena","start":5.12,"end":5.3599997,"confidence":0.52246094,"punctuated_word":"Zena","sentiment":"neutral","sentiment_score":0.13286525011062622},{"word":"from","start":5.3599997,"end":5.6,"confidence":0.9194336,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14037682116031647},{"word":"oq","start":5.6,"end":5.92,"confidence":0.45922852,"punctuated_word":"OQ","sentiment":"neutral","sentiment_score":0.12031718343496324},{"word":"financial","start":5.92,"end":6.3999996,"confidence":0.9970703,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.13304124772548676},{"word":"how","start":6.3999996,"end":6.56,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.17001593112945557},{"word":"are","start":6.56,"end":6.72,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2075747400522232},{"word":"you","start":6.72,"end":6.8799996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21165987849235535},{"word":"this","start":6.8799996,"end":7.04,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.215189129114151},{"word":"morning","start":7.04,"end":7.3599997,"confidence":1.0,"punctuated_word":"morning","sentiment":"neutral","sentiment_score":0.19015339016914368},{"word":"or","start":7.52,"end":7.68,"confidence":0.5859375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2096840739250183},{"word":"this","start":7.68,"end":7.8399997,"confidence":0.9921875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18962325155735016},{"word":"afternoon","start":7.8399997,"end":8.32,"confidence":0.81591797,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.1507357507944107},{"word":"sorry","start":8.32,"end":8.82,"confidence":0.99902344,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.13420121371746063},{"word":"yeah","start":9.44,"end":9.679999,"confidence":0.80859375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18387585878372192},{"word":"very","start":9.679999,"end":10.08,"confidence":0.99902344,"punctuated_word":"Very","sentiment":"positive","sentiment_score":0.4006648063659668},{"word":"well","start":10.08,"end":10.32,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3743879199028015},{"word":"thank","start":10.32,"end":10.639999,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5965661406517029},{"word":"you","start":10.639999,"end":11.04,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5345714092254639},{"word":"i","start":11.28,"end":11.44,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23611408472061157},{"word":"had","start":11.44,"end":11.599999,"confidence":0.9951172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.2248672991991043},{"word":"to","start":11.599999,"end":11.759999,"confidence":0.63720703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21008679270744324},{"word":"put","start":11.759999,"end":11.92,"confidence":0.75,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.14633168280124664},{"word":"in","start":11.92,"end":12.08,"confidence":0.9316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16690203547477722},{"word":"to","start":12.08,"end":12.16,"confidence":0.9350586,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1027015745639801},{"word":"go","start":12.16,"end":12.32,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10271981358528136},{"word":"through","start":12.32,"end":12.4,"confidence":0.94970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14459232985973358},{"word":"a","start":12.4,"end":12.48,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13726460933685303},{"word":"bit","start":12.48,"end":12.719999,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.151014506816864},{"word":"of","start":12.719999,"end":12.799999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17087189853191376},{"word":"an","start":12.799999,"end":12.96,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2022406160831451},{"word":"annual","start":12.96,"end":13.2,"confidence":0.984375,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.17020229995250702},{"word":"review","start":13.2,"end":13.44,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.15301106870174408},{"word":"today","start":13.44,"end":13.679999,"confidence":0.9980469,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.1097513884305954},{"word":"is","start":13.679999,"end":13.92,"confidence":0.9951172,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.13846193253993988},{"word":"now","start":13.92,"end":14.08,"confidence":0.9941406,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.13507109880447388},{"word":"still","start":14.08,"end":14.32,"confidence":0.9902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12740997970104218},{"word":"a","start":14.32,"end":14.4,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17554223537445068},{"word":"good","start":14.4,"end":14.559999,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.17006129026412964},{"word":"time","start":14.559999,"end":14.745,"confidence":0.91503906,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2493680715560913},{"word":"there","start":14.745,"end":14.985,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.25812217593193054},{"word":"for","start":14.985,"end":15.485,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15420851111412048},{"word":"you","start":16.985,"end":17.225,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.18001382052898407},{"word":"fantastic","start":17.225,"end":17.725,"confidence":0.99658203,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5608773231506348},{"word":"before","start":18.505,"end":18.825,"confidence":0.9003906,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.27492037415504456},{"word":"we","start":18.825,"end":18.985,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1580316573381424},{"word":"jump","start":18.985,"end":19.145,"confidence":1.0,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.20689444243907928},{"word":"into","start":19.145,"end":19.265,"confidence":0.99316406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.229682594537735},{"word":"the","start":19.265,"end":19.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27500119805336},{"word":"call","start":19.385,"end":19.625,"confidence":0.9995117,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.15984152257442474},{"word":"i","start":19.625,"end":19.705,"confidence":0.52734375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15604335069656372},{"word":"do","start":19.705,"end":19.865,"confidence":0.89990234,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18950453400611875},{"word":"have","start":19.865,"end":19.945,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20351286232471463},{"word":"to","start":19.945,"end":20.025,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16222837567329407},{"word":"let","start":20.025,"end":20.105,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.14681857824325562},{"word":"you","start":20.105,"end":20.185,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16602572798728943},{"word":"know","start":20.185,"end":20.345,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1744556874036789},{"word":"we","start":20.345,"end":20.505,"confidence":0.55029297,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16160544753074646},{"word":"do","start":20.505,"end":20.665,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1859794706106186},{"word":"record","start":20.665,"end":20.985,"confidence":1.0,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.1805993765592575},{"word":"our","start":20.985,"end":21.145,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1673743575811386},{"word":"calls","start":21.145,"end":21.385,"confidence":0.99609375,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.17280778288841248},{"word":"for","start":21.385,"end":21.545,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18235929310321808},{"word":"quality","start":21.545,"end":21.865,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.17692537605762482},{"word":"and","start":21.865,"end":22.105,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13192437589168549},{"word":"training","start":22.105,"end":22.425,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.13143174350261688},{"word":"purposes","start":22.425,"end":22.825,"confidence":0.99902344,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.16895857453346252},{"word":"are","start":22.825,"end":22.985,"confidence":0.9970703,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.18392527103424072},{"word":"you","start":22.985,"end":23.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.216343492269516},{"word":"happy","start":23.145,"end":23.384998,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.17934098839759827},{"word":"for","start":23.384998,"end":23.545,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22636756300926208},{"word":"me","start":23.545,"end":23.705,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.21918617188930511},{"word":"to","start":23.705,"end":23.865,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19066885113716123},{"word":"proceed","start":23.865,"end":24.185,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.17841413617134094},{"word":"with","start":24.185,"end":24.345,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22524556517601013},{"word":"that","start":24.345,"end":24.845,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.2279565632343292},{"word":"fantastic","start":26.185,"end":26.685,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3924357295036316},{"word":"and","start":26.825,"end":26.985,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16805219650268555},{"word":"just","start":26.985,"end":27.145,"confidence":0.85498047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15353091061115265},{"word":"to","start":27.145,"end":27.224998,"confidence":0.8588867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21623018383979797},{"word":"do","start":27.224998,"end":27.384998,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2274082452058792},{"word":"a","start":27.384998,"end":27.465,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25892817974090576},{"word":"really","start":27.465,"end":27.705,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1841476410627365},{"word":"quick","start":27.705,"end":27.945,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2277156412601471},{"word":"security","start":27.945,"end":28.445,"confidence":0.9970703,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.13221389055252075},{"word":"check","start":28.47,"end":28.71,"confidence":0.89501953,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1944930404424667},{"word":"there","start":28.71,"end":28.789999,"confidence":0.90234375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.26475784182548523},{"word":"with","start":28.789999,"end":28.869999,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22847934067249295},{"word":"you","start":28.869999,"end":28.949999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2445588856935501},{"word":"as","start":28.949999,"end":29.189999,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24965792894363403},{"word":"well","start":29.189999,"end":29.349998,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1876412928104401},{"word":"just","start":29.349998,"end":29.509998,"confidence":0.59765625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2508366107940674},{"word":"to","start":29.509998,"end":29.59,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20935790240764615},{"word":"confirm","start":29.59,"end":29.99,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.16309118270874023},{"word":"your","start":29.99,"end":30.15,"confidence":0.96875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15095463395118713},{"word":"full","start":30.15,"end":30.31,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.15475670993328094},{"word":"name","start":30.31,"end":30.47,"confidence":0.9970703,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.1413770318031311},{"word":"your","start":30.47,"end":30.71,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1245780810713768},{"word":"date","start":30.71,"end":30.869999,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.14964665472507477},{"word":"of","start":30.869999,"end":30.949999,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15141601860523224},{"word":"birth","start":30.949999,"end":31.189999,"confidence":0.98291016,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.16090214252471924},{"word":"and","start":31.189999,"end":31.349998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1596260517835617},{"word":"address","start":31.349998,"end":31.669998,"confidence":0.99902344,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.154610738158226},{"word":"that","start":31.669998,"end":31.83,"confidence":0.6538086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1691533476114273},{"word":"you","start":31.83,"end":31.99,"confidence":0.55908203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12419653683900832},{"word":"have","start":31.99,"end":32.149998,"confidence":0.9589844,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12459708750247955},{"word":"on","start":32.149998,"end":32.309998,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13740958273410797},{"word":"file","start":32.309998,"end":32.809998,"confidence":0.9719238,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.16119083762168884},{"word":"awesome","start":41.03,"end":41.43,"confidence":0.9890137,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.3005744218826294},{"word":"thank","start":41.43,"end":41.75,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.3486379086971283},{"word":"you","start":41.75,"end":42.07,"confidence":0.96118164,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2599998116493225},{"word":"yeah","start":42.07,"end":42.309998,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2769402861595154},{"word":"that's","start":42.309998,"end":42.55,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4310920238494873},{"word":"perfect","start":42.55,"end":43.03,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5364240407943726},{"word":"thank","start":43.03,"end":43.269997,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5315300822257996},{"word":"you","start":43.269997,"end":43.51,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5652433037757874},{"word":"so","start":43.51,"end":43.67,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5272068381309509},{"word":"much","start":43.67,"end":43.91,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6105899214744568},{"word":"for","start":43.91,"end":44.145,"confidence":0.7739258,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.625224232673645},{"word":"that","start":44.145,"end":44.385002,"confidence":0.88427734,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5835154056549072},{"word":"legend","start":44.385002,"end":44.885002,"confidence":0.9980469,"punctuated_word":"Legend.","sentiment":"neutral","sentiment_score":0.2589169442653656},{"word":"i","start":45.345,"end":45.505,"confidence":0.56347656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0649118646979332},{"word":"do","start":45.505,"end":45.665,"confidence":0.82128906,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06749346107244492},{"word":"know","start":45.665,"end":45.825,"confidence":0.42944336,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.044630952179431915},{"word":"we","start":45.825,"end":45.905,"confidence":0.61572266,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03766368329524994},{"word":"sent","start":45.905,"end":46.145,"confidence":0.68652344,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.06854582577943802},{"word":"through","start":46.145,"end":46.385002,"confidence":0.9921875,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.057849958539009094},{"word":"some","start":46.385002,"end":46.545002,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.03818909078836441},{"word":"annual","start":46.545002,"end":46.865,"confidence":0.96972656,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.0681488960981369},{"word":"review","start":46.865,"end":47.185,"confidence":0.98828125,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.0649261623620987},{"word":"documents","start":47.185,"end":47.685,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.06352353096008301},{"word":"to","start":47.745,"end":47.985,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07354814559221268},{"word":"you","start":47.985,"end":48.225,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.054845575243234634},{"word":"are","start":48.225,"end":48.465,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.0300835520029068},{"word":"you","start":48.465,"end":48.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04131193459033966},{"word":"able","start":48.625,"end":48.785,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.04073275625705719},{"word":"to","start":48.785,"end":48.945,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05606810748577118},{"word":"jump","start":48.945,"end":49.185,"confidence":1.0,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.07245371490716934},{"word":"into","start":49.185,"end":49.425,"confidence":0.984375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06573665142059326},{"word":"your","start":49.425,"end":49.505,"confidence":0.98095703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04929271340370178},{"word":"emails","start":49.505,"end":49.825,"confidence":0.9951172,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.06938543915748596},{"word":"and","start":49.825,"end":49.985,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.040757086127996445},{"word":"have","start":49.985,"end":50.105,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03980015218257904},{"word":"a","start":50.105,"end":50.225,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04458561912178993},{"word":"look","start":50.225,"end":50.385002,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02847283706068993},{"word":"at","start":50.385002,"end":50.465,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0266789048910141},{"word":"those","start":50.465,"end":50.705,"confidence":0.99560547,"punctuated_word":"those?","sentiment":"neutral","sentiment_score":0.02055114507675171},{"word":"if","start":50.705,"end":50.865,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.06551899015903473},{"word":"you","start":50.865,"end":51.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08408679813146591},{"word":"can't","start":51.025,"end":51.265,"confidence":0.99641925,"punctuated_word":"can't,","sentiment":"neutral","sentiment_score":-0.08825856447219849},{"word":"it's","start":51.265,"end":51.505,"confidence":0.9863281,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11635786294937134},{"word":"honestly","start":51.505,"end":51.905,"confidence":0.99316406,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":-0.1456182450056076},{"word":"okay","start":51.905,"end":52.405,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.1217505782842636},{"word":"oh","start":55.905,"end":56.305,"confidence":0.96728516,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.06825198978185654},{"word":"that's","start":56.305,"end":56.625,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.07574587315320969},{"word":"okay","start":56.625,"end":57.125,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.0411190539598465},{"word":"not","start":57.345,"end":57.505,"confidence":0.99609375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.012184396386146544},{"word":"an","start":57.505,"end":57.665,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04663219302892685},{"word":"issue","start":57.665,"end":57.985,"confidence":1.0,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":-0.049675196409225464},{"word":"at","start":57.985,"end":58.145,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.017385661602020264},{"word":"all","start":58.145,"end":58.225,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.06448967754840851},{"word":"i'll","start":58.225,"end":58.385002,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09203441441059113},{"word":"send","start":58.385002,"end":58.625,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07848768681287766},{"word":"them","start":58.625,"end":58.785,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.0525863952934742},{"word":"through","start":58.785,"end":58.945,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08549372851848602},{"word":"that","start":58.945,"end":59.105,"confidence":0.7084961,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0848163291811943},{"word":"while","start":59.105,"end":59.265,"confidence":0.63623047,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.09236209839582445},{"word":"they're","start":59.265,"end":59.425,"confidence":0.99609375,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.09345190227031708},{"word":"in","start":59.425,"end":59.585,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09178774058818816},{"word":"your","start":59.585,"end":59.73,"confidence":0.89501953,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08607785403728485},{"word":"email","start":59.81,"end":60.05,"confidence":0.9147949,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.051726795732975006},{"word":"you","start":60.05,"end":60.21,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1497570276260376},{"word":"can","start":60.21,"end":60.45,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15221750736236572},{"word":"definitely","start":60.45,"end":60.69,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1266375184059143},{"word":"have","start":60.69,"end":60.809998,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06394758820533752},{"word":"a","start":60.809998,"end":60.93,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06661480665206909},{"word":"bit","start":60.93,"end":61.09,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07889093458652496},{"word":"of","start":61.09,"end":61.17,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0686054527759552},{"word":"a","start":61.17,"end":61.25,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.053024619817733765},{"word":"look","start":61.25,"end":61.41,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04172012209892273},{"word":"at","start":61.41,"end":61.489998,"confidence":0.98535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04947684332728386},{"word":"them","start":61.489998,"end":61.649998,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.03657413274049759},{"word":"later","start":61.649998,"end":62.149998,"confidence":1.0,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.019863169640302655},{"word":"in","start":62.53,"end":62.69,"confidence":0.99121094,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.09578236192464828},{"word":"the","start":62.69,"end":62.77,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1066128835082054},{"word":"meantime","start":62.77,"end":63.25,"confidence":0.99902344,"punctuated_word":"meantime,","sentiment":"neutral","sentiment_score":0.13038325309753418},{"word":"i'll","start":63.25,"end":63.41,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15892353653907776},{"word":"just","start":63.41,"end":63.649998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.183192178606987},{"word":"run","start":63.649998,"end":63.809998,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.1230459362268448},{"word":"through","start":63.809998,"end":64.05,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13827794790267944},{"word":"your","start":64.05,"end":64.21,"confidence":0.8886719,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14085835218429563},{"word":"annual","start":64.21,"end":64.53,"confidence":0.6635742,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.1392444223165512},{"word":"review","start":64.53,"end":64.85,"confidence":0.97802734,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.14633490145206451},{"word":"give","start":64.85,"end":65.01,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.16481555998325348},{"word":"you","start":65.01,"end":65.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19282154738903048},{"word":"an","start":65.09,"end":65.25,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12644697725772858},{"word":"update","start":65.25,"end":65.57,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1588944047689438},{"word":"on","start":65.57,"end":65.729996,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1730588674545288},{"word":"your","start":65.729996,"end":65.89,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16472133994102478},{"word":"cv","start":65.89,"end":66.29,"confidence":0.65844727,"punctuated_word":"CV.","sentiment":"neutral","sentiment_score":0.1515622437000275},{"word":"we'll","start":66.29,"end":66.53,"confidence":0.9255371,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1636468768119812},{"word":"talk","start":66.53,"end":66.69,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.1545964479446411},{"word":"about","start":66.69,"end":66.85,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1399189829826355},{"word":"your","start":66.85,"end":67.09,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13148386776447296},{"word":"insurances","start":67.09,"end":67.59,"confidence":0.94059247,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.13852232694625854},{"word":"look","start":68.05,"end":68.29,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16751573979854584},{"word":"at","start":68.29,"end":68.369995,"confidence":0.97314453,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12705212831497192},{"word":"maybe","start":68.369995,"end":68.869995,"confidence":0.9604492,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.15200425684452057},{"word":"updating","start":69.01,"end":69.409996,"confidence":0.91748047,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.1581260859966278},{"word":"some","start":69.409996,"end":69.57,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.16393230855464935},{"word":"advice","start":69.57,"end":70.05,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.18001197278499603},{"word":"if","start":70.05,"end":70.21,"confidence":0.8720703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1963830888271332},{"word":"it's","start":70.21,"end":70.369995,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19370880722999573},{"word":"appropriate","start":70.369995,"end":70.85,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.17246311902999878},{"word":"to","start":70.85,"end":70.93,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18839861452579496},{"word":"do","start":70.93,"end":71.17,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21304523944854736},{"word":"so","start":71.17,"end":71.409996,"confidence":0.8718262,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.2304222583770752},{"word":"and","start":71.409996,"end":71.745,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24110856652259827},{"word":"at","start":71.825005,"end":71.90501,"confidence":0.9667969,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21042223274707791},{"word":"what","start":71.90501,"end":72.065,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2666111886501312},{"word":"your","start":72.065,"end":72.225006,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2857108414173126},{"word":"goals","start":72.225006,"end":72.545006,"confidence":0.9980469,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.25174012780189514},{"word":"are","start":72.545006,"end":72.705,"confidence":0.9892578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.30499503016471863},{"word":"moving","start":72.705,"end":73.025,"confidence":0.9980469,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.32915425300598145},{"word":"forward","start":73.025,"end":73.425,"confidence":0.9946289,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.23966187238693237},{"word":"is","start":73.425,"end":73.585,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.08646844327449799},{"word":"there","start":73.585,"end":73.745,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10049858689308168},{"word":"anything","start":73.745,"end":74.245,"confidence":0.9970703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.10434600710868835},{"word":"specific","start":74.385,"end":74.885,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.10504581779241562},{"word":"you","start":74.945,"end":75.185005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08443891257047653},{"word":"maybe","start":75.185005,"end":75.425,"confidence":0.8540039,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.08496607840061188},{"word":"wanted","start":75.425,"end":75.745,"confidence":0.80810547,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0703074261546135},{"word":"to","start":75.745,"end":75.905,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06575370579957962},{"word":"ask","start":75.905,"end":76.065,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.0760895311832428},{"word":"me","start":76.065,"end":76.305,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08280511200428009},{"word":"or","start":76.305,"end":76.785,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07996075600385666},{"word":"wanted","start":76.785,"end":77.105,"confidence":0.93408203,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0747109204530716},{"word":"me","start":77.105,"end":77.265,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09080835431814194},{"word":"to","start":77.265,"end":77.345,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07935024797916412},{"word":"touch","start":77.345,"end":77.585,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.08884859085083008},{"word":"on","start":77.585,"end":77.745,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08662149310112},{"word":"as","start":77.745,"end":77.985,"confidence":0.9819336,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07219491899013519},{"word":"part","start":77.985,"end":78.105,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.07197938114404678},{"word":"of","start":78.105,"end":78.225006,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09385097771883012},{"word":"your","start":78.225006,"end":78.465004,"confidence":0.89501953,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07260815799236298},{"word":"review","start":78.465004,"end":78.785,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06407853215932846},{"word":"today","start":78.785,"end":79.285,"confidence":0.99902344,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.05755064636468887},{"word":"oh","start":92.38,"end":92.46,"confidence":0.8041992,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.1003953218460083},{"word":"wow","start":92.46,"end":92.96,"confidence":0.99609375,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":-0.12534046173095703},{"word":"yeah","start":104.515,"end":105.015,"confidence":0.9133301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01378273032605648},{"word":"yeah","start":105.555,"end":105.634995,"confidence":0.9416504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0485302209854126},{"word":"no","start":105.634995,"end":105.955,"confidence":0.99365234,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20872238278388977},{"word":"absolutely","start":105.955,"end":106.455,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.08813793957233429},{"word":"so","start":106.595,"end":106.915,"confidence":0.8955078,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.14551131427288055},{"word":"normally","start":106.915,"end":107.314995,"confidence":1.0,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":-0.14294955134391785},{"word":"they","start":107.314995,"end":107.555,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.20603834092617035},{"word":"don't","start":107.555,"end":107.795,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2422387897968292},{"word":"allow","start":107.795,"end":108.115,"confidence":0.99902344,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":-0.3044600486755371},{"word":"you","start":108.115,"end":108.274994,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3258270025253296},{"word":"to","start":108.274994,"end":108.515,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.280509889125824},{"word":"take","start":108.515,"end":108.755,"confidence":1.0,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.35066068172454834},{"word":"the","start":108.755,"end":108.915,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3652273118495941},{"word":"money","start":108.915,"end":109.155,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.2988971173763275},{"word":"out","start":109.155,"end":109.314995,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.27722230553627014},{"word":"of","start":109.314995,"end":109.395,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3571814298629761},{"word":"your","start":109.395,"end":109.634995,"confidence":0.9970703,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.37965670228004456},{"word":"super","start":109.634995,"end":110.034996,"confidence":0.94140625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.31177544593811035},{"word":"for","start":110.034996,"end":110.354996,"confidence":0.94555664,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.2529447078704834},{"word":"like","start":110.354996,"end":110.674995,"confidence":0.9794922,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2209896743297577},{"word":"vet","start":110.674995,"end":110.915,"confidence":0.96875,"punctuated_word":"vet","sentiment":"neutral","sentiment_score":-0.2352505624294281},{"word":"bills","start":110.915,"end":111.235,"confidence":0.99902344,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":-0.17021706700325012},{"word":"and","start":111.235,"end":111.395,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2719990909099579},{"word":"things","start":111.395,"end":111.795,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.24875256419181824},{"word":"like","start":111.795,"end":112.034996,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1787877082824707},{"word":"that","start":112.034996,"end":112.32,"confidence":0.9394531,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.23647353053092957},{"word":"but","start":113.12,"end":113.36,"confidence":0.94970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04768939316272736},{"word":"in","start":113.36,"end":113.6,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.006295986473560333},{"word":"that","start":113.6,"end":113.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011787228286266329},{"word":"instance","start":113.68,"end":114.0,"confidence":0.9980469,"punctuated_word":"instance,","sentiment":"neutral","sentiment_score":0.005395915359258652},{"word":"it","start":114.0,"end":114.159996,"confidence":0.9667969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03717592358589173},{"word":"would","start":114.159996,"end":114.4,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.019837073981761932},{"word":"certainly","start":114.4,"end":114.8,"confidence":0.9980469,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":0.139283686876297},{"word":"be","start":114.8,"end":115.04,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03075144439935684},{"word":"compassionate","start":115.04,"end":115.54,"confidence":0.734375,"punctuated_word":"compassionate","sentiment":"neutral","sentiment_score":0.01570628583431244},{"word":"grounds","start":115.68,"end":116.159996,"confidence":0.91625977,"punctuated_word":"grounds.","sentiment":"neutral","sentiment_score":0.038042616099119186},{"word":"but","start":116.159996,"end":116.32,"confidence":0.5505371,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.012429982423782349},{"word":"look","start":116.32,"end":116.479996,"confidence":0.96240234,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.0033384114503860474},{"word":"there's","start":116.479996,"end":116.8,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.026722360402345657},{"word":"nothing","start":116.8,"end":117.12,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.10178661346435548},{"word":"to","start":117.12,"end":117.2,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16205856204032898},{"word":"say","start":117.2,"end":117.44,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.14822159707546234},{"word":"you","start":117.44,"end":117.68,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14398837089538574},{"word":"can't","start":117.68,"end":118.08,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.08962398767471313},{"word":"submit","start":118.08,"end":118.4,"confidence":1.0,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":-0.07448393851518631},{"word":"the","start":118.4,"end":118.56,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05746130645275116},{"word":"claims","start":118.56,"end":119.06,"confidence":0.9394531,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":-0.012360267341136932},{"word":"via","start":119.2,"end":119.7,"confidence":0.9589844,"punctuated_word":"via","sentiment":"neutral","sentiment_score":-0.04083458334207535},{"word":"mygov","start":119.76,"end":120.26,"confidence":0.8564453,"punctuated_word":"myGov","sentiment":"neutral","sentiment_score":-0.004310332238674164},{"word":"to","start":120.32,"end":120.56,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05699784308671951},{"word":"see","start":120.56,"end":120.8,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.05277860164642334},{"word":"if","start":120.8,"end":120.96,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.045740023255348206},{"word":"the","start":120.96,"end":121.2,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07984764128923416},{"word":"ato","start":121.2,"end":121.7,"confidence":0.9284668,"punctuated_word":"ATO","sentiment":"neutral","sentiment_score":-0.06432069838047028},{"word":"approve","start":121.76,"end":122.16,"confidence":0.8144531,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":-0.07432089000940323},{"word":"it","start":122.16,"end":122.66,"confidence":0.9707031,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0960780531167984},{"word":"but","start":122.96,"end":123.2,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04891524836421013},{"word":"under","start":123.2,"end":123.44,"confidence":0.8852539,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.10995633900165558},{"word":"compassionate","start":123.44,"end":123.94,"confidence":0.98291016,"punctuated_word":"compassionate","sentiment":"neutral","sentiment_score":-0.15744724869728088},{"word":"grounds","start":124.08,"end":124.4,"confidence":0.9946289,"punctuated_word":"grounds,","sentiment":"neutral","sentiment_score":-0.09772668778896332},{"word":"it","start":124.4,"end":124.56,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11851315945386888},{"word":"needs","start":124.56,"end":124.8,"confidence":1.0,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.13262377679347992},{"word":"to","start":124.8,"end":124.88,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11217804253101347},{"word":"be","start":124.88,"end":125.119995,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07716356217861176},{"word":"essentially","start":125.119995,"end":125.6,"confidence":0.91503906,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.0947481021285057},{"word":"medical","start":125.6,"end":126.045,"confidence":0.9951172,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.1476740837097168},{"word":"treatment","start":126.205,"end":126.525,"confidence":1.0,"punctuated_word":"treatment","sentiment":"neutral","sentiment_score":-0.1414928287267685},{"word":"where","start":126.525,"end":126.924995,"confidence":0.97631836,"punctuated_word":"where,","sentiment":"neutral","sentiment_score":-0.130093514919281},{"word":"you","start":126.924995,"end":127.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1448761820793152},{"word":"know","start":127.085,"end":127.244995,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.15059900283813477},{"word":"you're","start":127.244995,"end":127.485,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1558288931846619},{"word":"unable","start":127.485,"end":127.884995,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.21028578281402588},{"word":"to","start":127.884995,"end":127.965,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2575906217098236},{"word":"pay","start":127.965,"end":128.205,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.2514786124229431},{"word":"for","start":128.205,"end":128.365,"confidence":0.97802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15477070212364197},{"word":"the","start":128.365,"end":128.605,"confidence":0.90771484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1951618492603302},{"word":"expenses","start":128.605,"end":129.105,"confidence":0.99902344,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.1819409281015396},{"word":"yourself","start":129.245,"end":129.745,"confidence":0.9975586,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":-0.20296719670295715},{"word":"normally","start":130.125,"end":130.525,"confidence":0.99194336,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":-0.09740754961967468},{"word":"people","start":130.525,"end":130.765,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.14387689530849457},{"word":"do","start":130.765,"end":130.925,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.112200990319252},{"word":"it","start":130.925,"end":131.005,"confidence":0.63427734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10140147805213928},{"word":"for","start":131.005,"end":131.165,"confidence":0.7104492,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11099929362535477},{"word":"their","start":131.165,"end":131.405,"confidence":0.94189453,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.13980509340763092},{"word":"teeth","start":131.405,"end":131.905,"confidence":0.9694824,"punctuated_word":"teeth,","sentiment":"neutral","sentiment_score":-0.11295486241579056},{"word":"you","start":132.285,"end":132.44499,"confidence":0.9550781,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13816896080970764},{"word":"know","start":132.44499,"end":132.925,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.14312422275543213},{"word":"medical","start":132.925,"end":133.405,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.11951057612895966},{"word":"procedures","start":133.405,"end":133.885,"confidence":0.9951172,"punctuated_word":"procedures","sentiment":"neutral","sentiment_score":-0.1251579523086548},{"word":"that","start":133.885,"end":134.045,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0869460254907608},{"word":"they","start":134.045,"end":134.36499,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.13978178799152374},{"word":"need","start":134.36499,"end":134.525,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.14826670289039612},{"word":"on","start":134.525,"end":134.765,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13174724578857422},{"word":"themselves","start":134.765,"end":135.265,"confidence":0.99902344,"punctuated_word":"themselves","sentiment":"neutral","sentiment_score":-0.1190457046031952},{"word":"or","start":135.325,"end":135.565,"confidence":0.7841797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14139536023139954},{"word":"their","start":135.565,"end":135.72499,"confidence":0.99121094,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.1427760273218155},{"word":"dependents","start":135.72499,"end":136.22499,"confidence":0.9475911,"punctuated_word":"dependents.","sentiment":"neutral","sentiment_score":-0.11573761701583862},{"word":"i've","start":137.08499,"end":137.325,"confidence":0.98999023,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10939070582389832},{"word":"honestly","start":137.325,"end":137.805,"confidence":0.9951172,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":-0.14289304614067078},{"word":"not","start":137.805,"end":137.965,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17739956080913544},{"word":"seen","start":137.965,"end":138.205,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.18156807124614716},{"word":"anyone","start":138.205,"end":138.66,"confidence":0.99902344,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":-0.21071314811706543},{"word":"try","start":138.74,"end":139.06,"confidence":0.9980469,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.1811361312866211},{"word":"it","start":139.06,"end":139.14,"confidence":0.9160156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10543572902679443},{"word":"for","start":139.14,"end":139.3,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.16252316534519196},{"word":"vet","start":139.3,"end":139.78,"confidence":0.9316406,"punctuated_word":"vet","sentiment":"neutral","sentiment_score":-0.22680971026420593},{"word":"bills","start":139.78,"end":140.28,"confidence":0.9230957,"punctuated_word":"bills,","sentiment":"neutral","sentiment_score":-0.07576180249452591},{"word":"but","start":140.34,"end":140.84,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.044805727899074554},{"word":"the","start":140.98001,"end":141.22,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05220181494951248},{"word":"way","start":141.22,"end":141.38,"confidence":0.99609375,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.05294620245695114},{"word":"you","start":141.38,"end":141.62001,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.036887697875499725},{"word":"do","start":141.62001,"end":141.94,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12545472383499146},{"word":"compassionate","start":141.94,"end":142.44,"confidence":0.6464844,"punctuated_word":"compassionate","sentiment":"neutral","sentiment_score":0.1120540127158165},{"word":"grounds","start":142.58,"end":142.90001,"confidence":0.80810547,"punctuated_word":"grounds","sentiment":"neutral","sentiment_score":0.12748539447784424},{"word":"is","start":142.90001,"end":143.06,"confidence":0.98095703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13045154511928558},{"word":"you","start":143.06,"end":143.3,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11555424332618712},{"word":"just","start":143.3,"end":143.62001,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11371126770973206},{"word":"apply","start":143.62001,"end":143.94,"confidence":0.9873047,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.08423493802547455},{"word":"through","start":143.94,"end":144.18001,"confidence":0.9091797,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09679194539785384},{"word":"your","start":144.18001,"end":144.42,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1013053134083748},{"word":"mygov","start":144.42,"end":144.90001,"confidence":0.74560547,"punctuated_word":"myGov","sentiment":"neutral","sentiment_score":0.11186522245407104},{"word":"account","start":144.90001,"end":145.40001,"confidence":0.98535156,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.13408514857292175},{"word":"you","start":145.54001,"end":145.7,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11754284799098969},{"word":"just","start":145.7,"end":145.94,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14177927374839783},{"word":"need","start":145.94,"end":146.1,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10622857511043549},{"word":"to","start":146.1,"end":146.18001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10832984745502472},{"word":"get","start":146.18001,"end":146.42,"confidence":0.967041,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.09322648495435716},{"word":"any","start":146.66,"end":146.90001,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1080201268196106},{"word":"of","start":146.90001,"end":147.06,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0866183489561081},{"word":"the","start":147.06,"end":147.3,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06783327460289001},{"word":"documentation","start":147.3,"end":147.8,"confidence":1.0,"punctuated_word":"documentation","sentiment":"neutral","sentiment_score":0.04609936848282814},{"word":"required","start":148.18001,"end":148.68001,"confidence":0.84643555,"punctuated_word":"required.","sentiment":"neutral","sentiment_score":0.08306530117988586},{"word":"so","start":148.74,"end":148.98001,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09734691679477692},{"word":"you'll","start":148.98001,"end":149.3,"confidence":0.9946289,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.11056982725858688},{"word":"essentially","start":149.3,"end":149.8,"confidence":0.98291016,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.1155695542693138},{"word":"need","start":149.86,"end":150.02,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10806488245725632},{"word":"to","start":150.02,"end":150.18001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11051596701145172},{"word":"get","start":150.18001,"end":150.42,"confidence":0.9970703,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.06207182630896568},{"word":"like","start":150.58,"end":150.825,"confidence":0.9892578,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06114810332655907},{"word":"vet","start":150.905,"end":151.305,"confidence":0.89990234,"punctuated_word":"vet","sentiment":"neutral","sentiment_score":0.02561935782432556},{"word":"bills","start":151.305,"end":151.805,"confidence":1.0,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.07193876802921295},{"word":"or","start":152.58499,"end":152.665,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15089163184165957},{"word":"quotes","start":152.665,"end":152.985,"confidence":0.8408203,"punctuated_word":"quotes","sentiment":"neutral","sentiment_score":0.05081656202673912},{"word":"for","start":152.985,"end":153.22499,"confidence":0.94189453,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11311864852905272},{"word":"how","start":153.22499,"end":153.305,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0664440169930458},{"word":"much","start":153.305,"end":153.545,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.061348892748355865},{"word":"you'll","start":153.545,"end":153.785,"confidence":0.99853516,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.07061849534511566},{"word":"need","start":153.785,"end":153.94499,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06494864821434021},{"word":"to","start":153.94499,"end":154.025,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0531453937292099},{"word":"cover","start":154.025,"end":154.345,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.0539623498916626},{"word":"the","start":154.345,"end":154.425,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05208204686641693},{"word":"cost","start":154.425,"end":154.745,"confidence":0.97265625,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.04525205492973328},{"word":"and","start":154.745,"end":154.905,"confidence":0.48706055,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09680957347154616},{"word":"things","start":154.905,"end":155.14499,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.061218611896038055},{"word":"like","start":155.14499,"end":155.385,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.010152243077754974},{"word":"that","start":155.385,"end":155.625,"confidence":0.98583984,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09314680099487305},{"word":"just","start":155.625,"end":155.86499,"confidence":0.99609375,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.0970536842942238},{"word":"provide","start":155.86499,"end":156.265,"confidence":0.9980469,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.07896946370601654},{"word":"all","start":156.265,"end":156.425,"confidence":0.9770508,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.117741659283638},{"word":"that","start":156.425,"end":156.58499,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11289401352405548},{"word":"as","start":156.58499,"end":156.825,"confidence":0.9716797,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10265445709228516},{"word":"evidence","start":156.825,"end":157.305,"confidence":0.98999023,"punctuated_word":"evidence.","sentiment":"neutral","sentiment_score":0.1013638973236084},{"word":"it'll","start":157.305,"end":157.545,"confidence":0.9975586,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.11252504587173462},{"word":"go","start":157.545,"end":157.785,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13238567113876343},{"word":"through","start":157.785,"end":158.025,"confidence":0.9560547,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08437876403331757},{"word":"the","start":158.025,"end":158.265,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06981278955936432},{"word":"ato","start":158.265,"end":158.765,"confidence":0.913737,"punctuated_word":"ATO,","sentiment":"neutral","sentiment_score":0.07483173906803131},{"word":"and","start":159.305,"end":159.465,"confidence":0.91845703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09672164916992188},{"word":"then","start":159.465,"end":159.705,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09446339309215546},{"word":"they'll","start":159.705,"end":160.025,"confidence":0.8000488,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.05801054462790489},{"word":"assess","start":160.025,"end":160.345,"confidence":0.9921875,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.03399195522069931},{"word":"the","start":160.345,"end":160.50499,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0401851162314415},{"word":"claim","start":160.50499,"end":160.825,"confidence":0.9980469,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.0607190802693367},{"word":"and","start":160.825,"end":160.985,"confidence":0.81347656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04328422248363495},{"word":"determine","start":160.985,"end":161.465,"confidence":0.9980469,"punctuated_word":"determine","sentiment":"neutral","sentiment_score":-0.0022693127393722534},{"word":"whether","start":161.465,"end":161.785,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.005092151463031769},{"word":"or","start":161.785,"end":161.94499,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.011902369558811188},{"word":"not","start":161.94499,"end":162.44499,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.026047304272651672},{"word":"they","start":162.50499,"end":162.745,"confidence":0.9140625,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.031014129519462585},{"word":"approve","start":162.745,"end":163.14499,"confidence":0.9941406,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":-0.032799847424030304},{"word":"it","start":163.14499,"end":163.385,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0002914443612098694},{"word":"or","start":163.385,"end":163.465,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0016023367643356323},{"word":"not","start":163.465,"end":163.965,"confidence":0.99902344,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.015736553817987442},{"word":"the","start":165.34,"end":165.58,"confidence":0.9838867,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04529296979308128},{"word":"if","start":165.81999,"end":165.98,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0680762380361557},{"word":"they","start":165.98,"end":166.14,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.08667276054620743},{"word":"do","start":166.14,"end":166.37999,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1178244724869728},{"word":"approve","start":166.37999,"end":166.62,"confidence":1.0,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":0.06345664709806442},{"word":"it","start":166.62,"end":166.86,"confidence":0.9980469,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.0875466912984848},{"word":"that","start":166.86,"end":167.01999,"confidence":0.97509766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11046620458364488},{"word":"will","start":167.01999,"end":167.18,"confidence":0.91845703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08761191368103027},{"word":"determine","start":167.18,"end":167.65999,"confidence":1.0,"punctuated_word":"determine","sentiment":"neutral","sentiment_score":0.07254001498222351},{"word":"how","start":167.65999,"end":167.81999,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05968155711889267},{"word":"much","start":167.81999,"end":168.06,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.04124235361814499},{"word":"you","start":168.06,"end":168.22,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0736115574836731},{"word":"can","start":168.22,"end":168.54,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05610050261020661},{"word":"take","start":168.54,"end":168.78,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.027895301580429077},{"word":"out","start":168.78,"end":169.09999,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.06058397889137268},{"word":"to","start":169.09999,"end":169.26,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028373166918754578},{"word":"cover","start":169.26,"end":169.58,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.019505038857460025},{"word":"the","start":169.58,"end":169.73999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03467346727848053},{"word":"cost","start":169.73999,"end":170.23999,"confidence":0.9904785,"punctuated_word":"cost.","sentiment":"neutral","sentiment_score":-0.0011704638600349426},{"word":"there's","start":170.29999,"end":170.62,"confidence":0.97094727,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.10642580687999724},{"word":"also","start":170.62,"end":170.94,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.13303181529045105},{"word":"tax","start":170.94,"end":171.26,"confidence":0.9790039,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.12786602973937988},{"word":"consequences","start":171.26,"end":171.76,"confidence":0.6567383,"punctuated_word":"consequences.","sentiment":"neutral","sentiment_score":-0.1432076096534729},{"word":"so","start":171.9,"end":171.98,"confidence":0.88720703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06881247460842133},{"word":"because","start":171.98,"end":172.29999,"confidence":0.9589844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06976606696844101},{"word":"you're","start":172.29999,"end":172.45999,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07606731355190277},{"word":"under","start":172.45999,"end":172.78,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.108053520321846},{"word":"the","start":172.78,"end":172.94,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07313837110996246},{"word":"age","start":172.94,"end":173.18,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.10094184428453444},{"word":"of","start":173.18,"end":173.34,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07953435182571411},{"word":"60","start":173.34,"end":173.84,"confidence":0.9975586,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":-0.08839565515518188},{"word":"tax","start":174.37999,"end":174.62,"confidence":0.9604492,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.07514012604951859},{"word":"is","start":174.62,"end":174.86,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07396725565195084},{"word":"also","start":174.86,"end":175.26,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.06245793402194977},{"word":"going","start":175.26,"end":175.5,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.04764050245285034},{"word":"to","start":175.5,"end":175.65999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07354701310396194},{"word":"be","start":175.65999,"end":176.06,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06621213257312775},{"word":"deducted","start":176.06,"end":176.56,"confidence":1.0,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":-0.06432674080133438},{"word":"or","start":177.18,"end":177.58,"confidence":0.96313477,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.07919004559516907},{"word":"you","start":177.58,"end":177.73999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0874686986207962},{"word":"know","start":177.73999,"end":177.9,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10485561192035676},{"word":"withheld","start":177.9,"end":178.4,"confidence":0.9941406,"punctuated_word":"withheld","sentiment":"neutral","sentiment_score":-0.11884714663028716},{"word":"in","start":178.7,"end":178.995,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07493886351585388},{"word":"relation","start":179.075,"end":179.39499,"confidence":0.9980469,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":-0.012158602476119997},{"word":"to","start":179.39499,"end":179.47499,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02721068263053894},{"word":"the","start":179.47499,"end":179.635,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05108357220888138},{"word":"amount","start":179.635,"end":179.955,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.04228411614894867},{"word":"that","start":179.955,"end":180.19499,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02491147071123123},{"word":"is","start":180.19499,"end":180.435,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01720595732331276},{"word":"also","start":180.435,"end":180.935,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.02203947678208351},{"word":"taken","start":181.635,"end":181.955,"confidence":0.96533203,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.040722642093896866},{"word":"out","start":181.955,"end":182.435,"confidence":0.7590332,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.033232927322387695},{"word":"but","start":182.435,"end":182.67499,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.011244431138038635},{"word":"they'll","start":182.67499,"end":182.915,"confidence":0.98950195,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.022988639771938324},{"word":"confirm","start":182.915,"end":183.415,"confidence":0.9970703,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.07298056036233902},{"word":"how","start":183.47499,"end":183.635,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08771245181560516},{"word":"much","start":183.635,"end":183.875,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07001897692680359},{"word":"that'll","start":183.875,"end":184.275,"confidence":0.9794922,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.11194445192813872},{"word":"be","start":184.275,"end":184.515,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09960682690143584},{"word":"for","start":184.515,"end":184.67499,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06405740976333618},{"word":"you","start":184.67499,"end":184.915,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06174524128437042},{"word":"as","start":184.915,"end":185.075,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07558247447013855},{"word":"well","start":185.075,"end":185.315,"confidence":0.9970703,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.06019678711891174},{"word":"on","start":185.315,"end":185.47499,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09209764003753662},{"word":"the","start":185.47499,"end":185.715,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07552479207515717},{"word":"letter","start":185.715,"end":186.03499,"confidence":0.99609375,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":0.06219709292054176},{"word":"if","start":186.03499,"end":186.19499,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09889382869005205},{"word":"they","start":186.19499,"end":186.69499,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04366055130958557},{"word":"approve","start":186.915,"end":187.235,"confidence":0.9604492,"punctuated_word":"approve","sentiment":"neutral","sentiment_score":0.012747928500175476},{"word":"it","start":187.235,"end":187.47499,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.013099811971187592},{"word":"but","start":187.47499,"end":187.795,"confidence":0.7758789,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.015707988291978836},{"word":"look","start":187.795,"end":188.03499,"confidence":0.9255371,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.02669581025838852},{"word":"i","start":188.03499,"end":188.11499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05177536606788635},{"word":"have","start":188.11499,"end":188.275,"confidence":0.6699219,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06269819289445877},{"word":"not","start":188.275,"end":188.435,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09475193172693253},{"word":"seen","start":188.435,"end":188.67499,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.12532088160514832},{"word":"anyone","start":188.67499,"end":188.995,"confidence":0.99902344,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":-0.1320881545543671},{"word":"do","start":188.995,"end":189.155,"confidence":0.76708984,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.10103081166744232},{"word":"it","start":189.155,"end":189.235,"confidence":0.90527344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07711002230644226},{"word":"for","start":189.235,"end":189.39499,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08500639349222183},{"word":"vet","start":189.39499,"end":189.795,"confidence":0.86035156,"punctuated_word":"vet","sentiment":"neutral","sentiment_score":-0.10253604501485825},{"word":"vet","start":189.795,"end":190.03499,"confidence":0.8959961,"punctuated_word":"vet","sentiment":"neutral","sentiment_score":-0.10445518791675568},{"word":"bills","start":190.03499,"end":190.355,"confidence":0.98535156,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":-0.020969808101654053},{"word":"before","start":190.355,"end":190.75499,"confidence":0.99658203,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.07156507670879364},{"word":"but","start":190.75499,"end":190.915,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0451991930603981},{"word":"there's","start":190.915,"end":191.155,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.06239306181669235},{"word":"no","start":191.155,"end":191.315,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.07415665686130524},{"word":"harm","start":191.315,"end":191.555,"confidence":0.99316406,"punctuated_word":"harm","sentiment":"neutral","sentiment_score":-0.17546436190605164},{"word":"in","start":191.555,"end":191.795,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09284617006778716},{"word":"trying","start":191.795,"end":192.295,"confidence":0.939209,"punctuated_word":"trying.","sentiment":"neutral","sentiment_score":-0.12355393171310423},{"word":"if","start":192.595,"end":192.75499,"confidence":0.98291016,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.16886736452579498},{"word":"you've","start":192.75499,"end":193.075,"confidence":0.6939697,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.15037620067596436},{"word":"if","start":193.155,"end":193.44,"confidence":0.47680664,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.18559496104717255},{"word":"$10","start":193.68001,"end":194.16,"confidence":0.98339844,"punctuated_word":"$10","sentiment":"neutral","sentiment_score":-0.26194629073143005},{"word":"is","start":194.16,"end":194.28,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.29173269867897034},{"word":"a","start":194.28,"end":194.4,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.32039421796798706},{"word":"lot","start":194.4,"end":194.52,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.2991587817668915},{"word":"of","start":194.52,"end":194.64,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3219657242298126},{"word":"money","start":194.64,"end":195.12,"confidence":0.9433594,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.17002645134925842},{"word":"especially","start":195.12,"end":195.52,"confidence":0.99902344,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.14948013424873352},{"word":"for","start":195.52,"end":195.68001,"confidence":0.9116211,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11953280866146088},{"word":"that","start":195.68001,"end":195.92,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10977040976285934},{"word":"sort","start":195.92,"end":196.42,"confidence":0.9667969,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.3163272738456726},{"word":"of","start":198.56,"end":199.06,"confidence":0.9482422,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5300444960594177},{"word":"yeah","start":201.36,"end":201.86,"confidence":0.9885254,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.10629864037036896},{"word":"yeah","start":202.24,"end":202.56,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07375950366258621},{"word":"no","start":202.56,"end":202.8,"confidence":0.98657227,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09016728401184082},{"word":"look","start":202.8,"end":202.96,"confidence":0.9345703,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.06311279535293579},{"word":"jump","start":202.96,"end":203.2,"confidence":0.9970703,"punctuated_word":"Jump","sentiment":"neutral","sentiment_score":-0.024231713265180588},{"word":"on","start":203.2,"end":203.36,"confidence":0.5253906,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.009746823459863664},{"word":"to","start":203.36,"end":203.44,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008737340569496155},{"word":"your","start":203.44,"end":203.68001,"confidence":0.9536133,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.011998251080513},{"word":"mygov","start":203.68001,"end":203.92,"confidence":0.7939453,"punctuated_word":"myGov","sentiment":"neutral","sentiment_score":0.018805839121341705},{"word":"account","start":203.92,"end":204.16,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.01753033697605133},{"word":"when","start":204.16,"end":204.32,"confidence":0.98535156,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.003881052136421203},{"word":"you","start":204.32,"end":204.48,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0031996332108974457},{"word":"got","start":204.48,"end":204.64,"confidence":0.9550781,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06282761693000793},{"word":"some","start":204.64,"end":204.8,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.038209810853004456},{"word":"time","start":204.8,"end":205.04001,"confidence":0.91967773,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.0745910257101059},{"word":"grab","start":205.04001,"end":205.28,"confidence":0.9980469,"punctuated_word":"Grab","sentiment":"neutral","sentiment_score":0.18335647881031036},{"word":"all","start":205.28,"end":205.44,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.018257878720760345},{"word":"the","start":205.44,"end":205.6,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02585386484861374},{"word":"medical","start":205.6,"end":205.92,"confidence":1.0,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":0.04255599528551102},{"word":"evidence","start":205.92,"end":206.40001,"confidence":0.99902344,"punctuated_word":"evidence","sentiment":"neutral","sentiment_score":0.03277076035737991},{"word":"required","start":206.40001,"end":206.90001,"confidence":0.9890137,"punctuated_word":"required.","sentiment":"neutral","sentiment_score":0.04139786958694458},{"word":"give","start":206.96,"end":207.2,"confidence":0.99902344,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":0.09860054403543472},{"word":"it","start":207.2,"end":207.36,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1523209512233734},{"word":"a","start":207.36,"end":207.44,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1424364298582077},{"word":"go","start":207.44,"end":207.915,"confidence":0.9772949,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.10895761847496031},{"word":"the","start":207.915,"end":207.995,"confidence":0.9633789,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.3156691789627075},{"word":"worst","start":207.995,"end":208.235,"confidence":0.9550781,"punctuated_word":"worst","sentiment":"negative","sentiment_score":-0.47217363119125366},{"word":"they","start":208.235,"end":208.39499,"confidence":0.9658203,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.3889252543449402},{"word":"say","start":208.39499,"end":208.715,"confidence":0.9980469,"punctuated_word":"say","sentiment":"negative","sentiment_score":-0.4261135756969452},{"word":"is","start":208.715,"end":208.95499,"confidence":0.99902344,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3993113040924072},{"word":"no","start":208.95499,"end":209.19499,"confidence":0.9506836,"punctuated_word":"no.","sentiment":"negative","sentiment_score":-0.4396910071372986},{"word":"at","start":209.19499,"end":209.435,"confidence":1.0,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.3202716112136841},{"word":"least","start":209.435,"end":209.555,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.31448960304260254},{"word":"you","start":209.555,"end":209.67499,"confidence":0.9003906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24278634786605835},{"word":"can","start":209.67499,"end":209.915,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1834568232297897},{"word":"say","start":209.915,"end":210.075,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.07861083745956421},{"word":"you've","start":210.075,"end":210.39499,"confidence":0.99658203,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.119960755109787},{"word":"tried","start":210.39499,"end":210.89499,"confidence":0.8798828,"punctuated_word":"tried.","sentiment":"neutral","sentiment_score":-0.08022348582744598},{"word":"but","start":211.435,"end":211.75499,"confidence":0.6245117,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.035039108246564865},{"word":"please","start":211.75499,"end":212.075,"confidence":0.9941406,"punctuated_word":"please","sentiment":"neutral","sentiment_score":-0.07167842239141464},{"word":"keep","start":212.075,"end":212.23499,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.032102759927511215},{"word":"me","start":212.23499,"end":212.47499,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.07986989617347717},{"word":"updated","start":212.47499,"end":212.95499,"confidence":0.984375,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":-0.16431838274002075},{"word":"because","start":212.95499,"end":213.355,"confidence":0.7692871,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.07468147575855255},{"word":"yeah","start":213.355,"end":213.75499,"confidence":0.98999023,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.06536990404129028},{"word":"look","start":213.75499,"end":213.915,"confidence":0.78125,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.08349059522151947},{"word":"i've","start":213.915,"end":214.075,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.06761591136455536},{"word":"seen","start":214.075,"end":214.31499,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.04839549958705902},{"word":"a","start":214.31499,"end":214.39499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.061518073081970215},{"word":"lot","start":214.39499,"end":214.635,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.07028121501207352},{"word":"of","start":214.635,"end":214.715,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0821133404970169},{"word":"different","start":214.715,"end":215.11499,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.15508341789245603},{"word":"compassionate","start":215.11499,"end":215.61499,"confidence":0.6855469,"punctuated_word":"compassionate","sentiment":"neutral","sentiment_score":-0.2070845067501068},{"word":"grounds","start":215.67499,"end":215.995,"confidence":0.91845703,"punctuated_word":"grounds","sentiment":"neutral","sentiment_score":-0.19153085350990295},{"word":"claims","start":215.995,"end":216.39499,"confidence":0.98535156,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":-0.10056385397911072},{"word":"that","start":216.39499,"end":216.555,"confidence":0.9003906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11151448637247086},{"word":"go","start":216.555,"end":216.795,"confidence":0.97802734,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1373930722475052},{"word":"through","start":216.795,"end":217.295,"confidence":0.8947754,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.12936756014823914},{"word":"but","start":217.435,"end":217.59499,"confidence":0.9658203,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13321489095687866},{"word":"i've","start":217.59499,"end":217.75499,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2810071110725403},{"word":"honestly","start":217.75499,"end":218.155,"confidence":0.9921875,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":-0.28483545780181885},{"word":"never","start":218.155,"end":218.47499,"confidence":0.99902344,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.3094097077846527},{"word":"seen","start":218.47499,"end":218.635,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.24611277878284457},{"word":"it","start":218.635,"end":218.715,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.22917944192886353},{"word":"done","start":218.715,"end":218.95499,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.2673386335372925},{"word":"for","start":218.95499,"end":219.11499,"confidence":0.9838867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.24716702103614807},{"word":"vet","start":219.11499,"end":219.355,"confidence":0.9013672,"punctuated_word":"vet","sentiment":"neutral","sentiment_score":-0.3123933970928192},{"word":"vet","start":219.355,"end":219.59499,"confidence":0.95703125,"punctuated_word":"vet","sentiment":"neutral","sentiment_score":-0.30138397216796875},{"word":"bills","start":219.59499,"end":219.915,"confidence":0.91064453,"punctuated_word":"bills.","sentiment":"neutral","sentiment_score":-0.20975390076637268},{"word":"so","start":219.915,"end":220.075,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13212165236473083},{"word":"we'll","start":220.075,"end":220.31499,"confidence":0.9946289,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.11775116622447968},{"word":"give","start":220.31499,"end":220.47499,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.1924637258052826},{"word":"it","start":220.47499,"end":220.635,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16991420090198517},{"word":"a","start":220.635,"end":220.715,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15356867015361786},{"word":"crack","start":220.715,"end":220.95499,"confidence":1.0,"punctuated_word":"crack","sentiment":"neutral","sentiment_score":-0.09383565932512283},{"word":"and","start":220.95499,"end":221.19499,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0881953239440918},{"word":"see","start":221.19499,"end":221.355,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.08011629432439804},{"word":"what","start":221.355,"end":221.59499,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1312750279903412},{"word":"happens","start":221.59499,"end":222.09499,"confidence":0.9946289,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":-0.11908768117427826},{"word":"yeah","start":223.40999,"end":223.89,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009726835414767264},{"word":"no","start":223.89,"end":224.20999,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11166981607675552},{"word":"perfect","start":224.20999,"end":224.70999,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.14090168476104736},{"word":"all","start":224.93,"end":225.25,"confidence":0.9116211,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.3051796555519104},{"word":"good","start":225.25,"end":225.75,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1796218454837799},{"word":"yeah","start":228.68999,"end":229.18999,"confidence":0.94799805,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.37314140796661377},{"word":"that's","start":229.65,"end":229.96999,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5421468615531921},{"word":"all","start":229.96999,"end":230.29,"confidence":0.9921875,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5781301856040955},{"word":"good","start":230.29,"end":230.68999,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.502142071723938},{"word":"well","start":230.68999,"end":230.93,"confidence":0.9863281,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.19360417127609253},{"word":"i'll","start":230.93,"end":231.09,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19804388284683228},{"word":"give","start":231.09,"end":231.25,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.18778015673160553},{"word":"you","start":231.25,"end":231.40999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16534364223480225},{"word":"an","start":231.40999,"end":231.56999,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1386647671461105},{"word":"update","start":231.56999,"end":231.89,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.18457093834877017},{"word":"on","start":231.89,"end":232.04999,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1704210340976715},{"word":"your","start":232.04999,"end":232.29,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21758218109607697},{"word":"super","start":232.29,"end":232.68999,"confidence":0.9345703,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.24025097489356995},{"word":"so","start":232.68999,"end":232.93,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10467785596847534},{"word":"your","start":232.93,"end":233.43,"confidence":0.75634766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1259370595216751},{"word":"your","start":233.56999,"end":233.81,"confidence":0.4741211,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12179124355316162},{"word":"balance","start":233.81,"end":234.29,"confidence":0.9941406,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.11612319946289062},{"word":"inside","start":234.29,"end":234.68999,"confidence":0.99902344,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.18837006390094757},{"word":"your","start":234.68999,"end":234.93,"confidence":0.93359375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13041624426841736},{"word":"hub","start":234.93,"end":235.17,"confidence":0.81933594,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.14695554971694946},{"word":"24","start":235.17,"end":235.73,"confidence":0.9921875,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.12953802943229675},{"word":"super","start":235.73,"end":236.23,"confidence":0.9970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18092796206474304},{"word":"as","start":236.715,"end":236.875,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15059518814086914},{"word":"of","start":236.875,"end":237.035,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15005165338516235},{"word":"the","start":237.035,"end":237.275,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12122288346290588},{"word":"july","start":237.275,"end":237.755,"confidence":0.99975586,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.11918303370475768},{"word":"24","start":237.755,"end":238.23502,"confidence":0.99975586,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.10627216100692748},{"word":"is","start":238.235,"end":238.475,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12035831063985825},{"word":"a","start":238.475,"end":238.55501,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11089175194501875},{"word":"196,467","start":238.55501,"end":241.515,"confidence":0.99912107,"punctuated_word":"196,467","sentiment":"neutral","sentiment_score":0.08968179672956467},{"word":"and","start":241.515,"end":241.675,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07297126948833466},{"word":"46¢","start":241.675,"end":242.815,"confidence":0.99108887,"punctuated_word":"46¢."},{"word":"within","start":243.115,"end":243.515,"confidence":0.9614258,"punctuated_word":"Within","sentiment":"neutral","sentiment_score":0.09755811095237732},{"word":"host","start":243.515,"end":243.835,"confidence":0.7841797,"punctuated_word":"host","sentiment":"neutral","sentiment_score":0.08458197116851807},{"word":"plus","start":243.835,"end":244.075,"confidence":0.8791504,"punctuated_word":"plus,","sentiment":"neutral","sentiment_score":0.1318422257900238},{"word":"we","start":244.075,"end":244.235,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1298619508743286},{"word":"do","start":244.235,"end":244.395,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11615123599767684},{"word":"have","start":244.395,"end":244.555,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10686887800693512},{"word":"an","start":244.555,"end":244.715,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08965182304382324},{"word":"updated","start":244.715,"end":245.195,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.06371792405843735},{"word":"balance","start":245.195,"end":245.695,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.11646022647619247},{"word":"of","start":245.755,"end":245.995,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11201829463243484},{"word":"$17,086.20","start":245.995,"end":248.795,"confidence":0.9891406,"punctuated_word":"$17,086.20.","sentiment":"neutral","sentiment_score":0.08494387567043304},{"word":"that","start":248.795,"end":248.955,"confidence":0.9970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.03633902966976166},{"word":"is","start":248.955,"end":249.195,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0764177069067955},{"word":"as","start":249.195,"end":249.435,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07637748122215271},{"word":"of","start":249.435,"end":249.675,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06467641890048981},{"word":"september","start":249.675,"end":250.155,"confidence":0.99902344,"punctuated_word":"September","sentiment":"neutral","sentiment_score":0.06018456071615219},{"word":"last","start":250.155,"end":250.475,"confidence":0.9716797,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.06828448176383972},{"word":"year","start":250.475,"end":250.635,"confidence":0.953125,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.015506036579608916},{"word":"we","start":250.635,"end":250.95,"confidence":0.86035156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.11256279051303864},{"word":"haven't","start":251.03,"end":251.11,"confidence":0.8483887,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.08049474656581879},{"word":"been","start":251.11,"end":251.27,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.055797867476940155},{"word":"able","start":251.27,"end":251.43,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.1169542744755745},{"word":"to","start":251.43,"end":251.75,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11902894079685213},{"word":"get","start":251.75,"end":251.91,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.02373630553483963},{"word":"updated","start":251.91,"end":252.39,"confidence":0.9921875,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":-0.08507822453975677},{"word":"research","start":252.39,"end":252.79,"confidence":0.99121094,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.11248278617858888},{"word":"since","start":252.79,"end":253.19,"confidence":0.9980469,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.1218462660908699},{"word":"that","start":253.19,"end":253.43,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14700095355510712},{"word":"point","start":253.43,"end":253.93,"confidence":0.9995117,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.028830280527472496},{"word":"i","start":254.23,"end":254.39,"confidence":0.6870117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00603003054857254},{"word":"know","start":254.39,"end":254.55,"confidence":0.7998047,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.010420408099889755},{"word":"that","start":254.55,"end":254.79,"confidence":0.6875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017696313560009003},{"word":"peter","start":254.79,"end":255.03,"confidence":0.27270508,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.0030493661761283875},{"word":"sent","start":255.03,"end":255.51,"confidence":0.6015625,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.0063412971794605255},{"word":"through","start":255.51,"end":256.01,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0007620230317115784},{"word":"a","start":256.23,"end":256.47,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008046070113778114},{"word":"third","start":256.47,"end":256.71,"confidence":0.9301758,"punctuated_word":"third","sentiment":"neutral","sentiment_score":-0.0037964768707752223},{"word":"party","start":256.71,"end":257.03,"confidence":0.9980469,"punctuated_word":"party","sentiment":"neutral","sentiment_score":-0.0040947869420051575},{"word":"authority","start":257.03,"end":257.53,"confidence":0.99609375,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.0019197873771190643},{"word":"for","start":257.75,"end":258.07,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01010553538799286},{"word":"you","start":258.07,"end":258.47,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01220758631825447},{"word":"to","start":258.47,"end":258.79,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02824356034398079},{"word":"sign","start":258.79,"end":259.19,"confidence":0.99853516,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":-0.03490395471453667},{"word":"have","start":259.19,"end":259.35,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.03360579162836075},{"word":"you","start":259.35,"end":259.51,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04161852225661278},{"word":"received","start":259.51,"end":260.01,"confidence":0.99902344,"punctuated_word":"received","sentiment":"neutral","sentiment_score":-0.04797050356864929},{"word":"that","start":260.23,"end":260.38998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08706682175397873},{"word":"at","start":260.38998,"end":260.55,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05054738000035286},{"word":"all","start":260.55,"end":261.05,"confidence":1.0,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.09825732558965684},{"word":"yeah","start":263.83,"end":264.23,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004109671339392662},{"word":"absolutely","start":264.23,"end":264.73,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.0011599771678447723},{"word":"so","start":264.95,"end":265.19,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03293028846383095},{"word":"we","start":265.19,"end":265.35,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0060715749859809875},{"word":"just","start":265.35,"end":265.51,"confidence":0.98291016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03774039447307587},{"word":"need","start":265.51,"end":265.66998,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.020199917256832123},{"word":"to","start":265.66998,"end":265.75,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05260803550481796},{"word":"get","start":265.75,"end":266.025,"confidence":0.9140625,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.01409652829170227},{"word":"that","start":266.025,"end":266.525,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02436801791191101},{"word":"yeah","start":268.82498,"end":269.225,"confidence":0.9855957,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.010588034987449646},{"word":"absolutely","start":269.225,"end":269.725,"confidence":0.953125,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.02788874134421349},{"word":"abs","start":270.185,"end":270.685,"confidence":0.54589844,"punctuated_word":"Abs","sentiment":"neutral","sentiment_score":-0.07404014468193054},{"word":"have","start":271.38498,"end":271.705,"confidence":0.48535156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10987241566181184},{"word":"no","start":272.185,"end":272.505,"confidence":0.8625488,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.06250271201133728},{"word":"absolutely","start":272.505,"end":273.005,"confidence":0.9980469,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.196758434176445},{"word":"we","start":274.025,"end":274.345,"confidence":0.7890625,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.3156108856201172},{"word":"definitely","start":274.345,"end":274.66498,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.25447869300842285},{"word":"wanna","start":274.66498,"end":274.905,"confidence":0.92822266,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.28947216272354126},{"word":"get","start":274.905,"end":275.065,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3284043073654175},{"word":"that","start":275.065,"end":275.225,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3261584937572479},{"word":"sorted","start":275.225,"end":275.54498,"confidence":0.9980469,"punctuated_word":"sorted","sentiment":"positive","sentiment_score":0.3629322946071625},{"word":"for","start":275.54498,"end":275.705,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25902724266052246},{"word":"you","start":275.705,"end":275.785,"confidence":0.7531738,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.23444461822509768},{"word":"so","start":275.785,"end":275.945,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.192813441157341},{"word":"we","start":275.945,"end":276.10498,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2505381107330322},{"word":"just","start":276.10498,"end":276.26498,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1908188760280609},{"word":"need","start":276.26498,"end":276.505,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.17829103767871857},{"word":"to","start":276.505,"end":276.585,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.116249680519104},{"word":"get","start":276.585,"end":276.745,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13609710335731506},{"word":"that","start":276.745,"end":276.985,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14890804886817932},{"word":"down","start":276.985,"end":277.145,"confidence":0.7758789,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12915919721126556},{"word":"to","start":277.145,"end":277.305,"confidence":0.5161133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07243958115577698},{"word":"the","start":277.305,"end":277.38498,"confidence":0.7319336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06728219240903854},{"word":"party","start":277.38498,"end":277.785,"confidence":0.9482422,"punctuated_word":"party","sentiment":"neutral","sentiment_score":0.0983135774731636},{"word":"authority","start":277.785,"end":278.26498,"confidence":0.8203125,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.10138595104217528},{"word":"sign","start":278.26498,"end":278.505,"confidence":0.5307617,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.1290242224931717},{"word":"so","start":278.505,"end":278.66498,"confidence":0.9633789,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14366000890731812},{"word":"we","start":278.66498,"end":278.82498,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18576785922050476},{"word":"can","start":278.82498,"end":278.985,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15107446908950806},{"word":"get","start":278.985,"end":279.145,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1456974446773529},{"word":"the","start":279.145,"end":279.305,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14274084568023682},{"word":"updated","start":279.305,"end":279.805,"confidence":0.99316406,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.11848578602075575},{"word":"research","start":279.9,"end":280.3,"confidence":0.8745117,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.13030005991458893},{"word":"and","start":280.3,"end":280.38,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0665690079331398},{"word":"clarify","start":280.38,"end":280.88,"confidence":0.9980469,"punctuated_word":"clarify","sentiment":"neutral","sentiment_score":0.10639776289463045},{"word":"exactly","start":280.94,"end":281.25998,"confidence":0.99902344,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.06372208148241043},{"word":"what's","start":281.25998,"end":281.58,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.05223936587572098},{"word":"happening","start":281.58,"end":281.9,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.03904362767934799},{"word":"within","start":281.9,"end":282.22,"confidence":0.99609375,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.07677658647298813},{"word":"host","start":282.22,"end":282.46,"confidence":0.43286133,"punctuated_word":"host","sentiment":"neutral","sentiment_score":0.06083592027425766},{"word":"plus","start":282.46,"end":282.96,"confidence":0.41601562,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.12072384357452393},{"word":"there","start":283.18,"end":283.68,"confidence":0.97216797,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.13540345430374146},{"word":"with","start":283.9,"end":284.22,"confidence":0.58496094,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.1352473795413971},{"word":"regards","start":284.22,"end":284.62,"confidence":0.79052734,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.21116770803928375},{"word":"to","start":284.62,"end":284.69998,"confidence":0.9550781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24240337312221527},{"word":"your","start":284.69998,"end":284.94,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23628292977809903},{"word":"hub","start":284.94,"end":285.18,"confidence":0.6743164,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.24325762689113617},{"word":"24","start":285.18,"end":285.82,"confidence":0.9772949,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.21659931540489197},{"word":"sleeper","start":285.82,"end":286.13998,"confidence":0.7705078,"punctuated_word":"sleeper","sentiment":"neutral","sentiment_score":0.13663062453269958},{"word":"there","start":286.13998,"end":286.46,"confidence":0.9367676,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.22435766458511353},{"word":"your","start":286.46,"end":286.69998,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19216254353523257},{"word":"balance","start":286.69998,"end":287.19998,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.2684139609336853},{"word":"this","start":287.34,"end":287.58,"confidence":0.7397461,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18844082951545715},{"word":"time","start":287.58,"end":287.82,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2012399286031723},{"word":"last","start":287.82,"end":288.06,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2152002900838852},{"word":"year","start":288.06,"end":288.22,"confidence":0.9926758,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2885046899318695},{"word":"you","start":288.22,"end":288.38,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28918319940567017},{"word":"had","start":288.38,"end":288.62,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.2935352325439453},{"word":"a","start":288.62,"end":288.69998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23419791460037231},{"word":"172,484","start":288.69998,"end":292.06,"confidence":0.9953125,"punctuated_word":"172,484,","sentiment":"neutral","sentiment_score":0.22221887111663816},{"word":"and","start":292.06,"end":292.22,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22595180571079257},{"word":"now","start":292.22,"end":292.38,"confidence":0.99121094,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2679545283317566},{"word":"you're","start":292.38,"end":292.53998,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.28006598353385925},{"word":"up","start":292.53998,"end":292.62,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.336200475692749},{"word":"to","start":292.62,"end":292.78,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2886126935482025},{"word":"a","start":292.78,"end":292.86,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2653017044067383},{"word":"196","start":292.86,"end":294.06,"confidence":0.99780273,"punctuated_word":"196","sentiment":"neutral","sentiment_score":0.23222365975379944},{"word":"of","start":294.06,"end":294.22,"confidence":0.43603516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23317678272724152},{"word":"four","start":294.22,"end":294.46,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.23863652348518372},{"word":"sixty","start":294.46,"end":294.86,"confidence":0.9980469,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.2087610960006714},{"word":"seven","start":294.86,"end":295.18,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.22635649144649503},{"word":"there","start":295.18,"end":295.41998,"confidence":0.9926758,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.26873719692230225},{"word":"so","start":295.41998,"end":295.58,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.31010621786117554},{"word":"you","start":295.58,"end":295.695,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2624046206474304},{"word":"have","start":295.695,"end":295.935,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.30892738699913025},{"word":"had","start":295.935,"end":296.255,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.27731946110725403},{"word":"after","start":296.255,"end":296.755,"confidence":0.96777344,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.414738416671753},{"word":"fees","start":297.055,"end":297.45502,"confidence":0.82373047,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.3877147436141968},{"word":"and","start":297.45502,"end":297.775,"confidence":0.93359375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4554531276226044},{"word":"a","start":297.775,"end":297.935,"confidence":0.90625,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4105613231658935},{"word":"6.84%","start":297.935,"end":299.295,"confidence":0.9580078,"punctuated_word":"6.84%","sentiment":"positive","sentiment_score":0.34692710638046265},{"word":"return","start":299.295,"end":299.695,"confidence":0.98706055,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.4068599343299866},{"word":"which","start":299.695,"end":299.855,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4283800423145294},{"word":"is","start":299.855,"end":300.015,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4547429978847504},{"word":"a","start":300.015,"end":300.095,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5178239345550537},{"word":"good","start":300.095,"end":300.33502,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5342922210693359},{"word":"solid","start":300.33502,"end":300.73502,"confidence":0.8535156,"punctuated_word":"solid","sentiment":"positive","sentiment_score":0.6673718094825745},{"word":"positive","start":300.73502,"end":301.135,"confidence":0.97265625,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.5410176515579224},{"word":"return","start":301.135,"end":301.635,"confidence":0.98999023,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.2785908579826355},{"word":"as","start":302.815,"end":303.055,"confidence":0.73046875,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.20856650173664093},{"word":"a","start":303.055,"end":303.135,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17422235012054443},{"word":"dollar","start":303.135,"end":303.535,"confidence":0.9970703,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.197564497590065},{"word":"figure","start":303.535,"end":304.035,"confidence":0.9995117,"punctuated_word":"figure,","sentiment":"neutral","sentiment_score":0.18795514106750488},{"word":"the","start":304.255,"end":304.575,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24879084527492523},{"word":"income","start":304.575,"end":305.055,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.19166608154773712},{"word":"and","start":305.055,"end":305.295,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20735237002372744},{"word":"the","start":305.295,"end":305.45502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24783436954021457},{"word":"growth","start":305.45502,"end":305.775,"confidence":0.6699219,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.17072543501853943},{"word":"within","start":305.775,"end":306.095,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.18856365978717804},{"word":"the","start":306.095,"end":306.255,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22545628249645233},{"word":"period","start":306.255,"end":306.655,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.2517926096916199},{"word":"is","start":306.655,"end":306.975,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3297017216682434},{"word":"13,645","start":306.975,"end":309.375,"confidence":0.9700753,"punctuated_word":"13,645.","sentiment":"neutral","sentiment_score":0.20108354091644287},{"word":"so","start":309.375,"end":309.61502,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15183234214782715},{"word":"it","start":309.61502,"end":309.775,"confidence":0.8256836,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17151696979999542},{"word":"kinda","start":309.775,"end":310.095,"confidence":0.9716797,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1452571302652359},{"word":"gives","start":310.095,"end":310.41,"confidence":0.9892578,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.18960779905319217},{"word":"you","start":310.57,"end":310.73,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10822037607431412},{"word":"an","start":310.73,"end":310.81,"confidence":0.7734375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11561375856399536},{"word":"idea","start":310.81,"end":311.13,"confidence":0.99609375,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.13775376975536346},{"word":"of","start":311.13,"end":311.29,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14046794176101685},{"word":"what","start":311.29,"end":311.45,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12950819730758667},{"word":"6%","start":311.45,"end":312.01,"confidence":0.9909668,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":0.18706391751766205},{"word":"looks","start":312.01,"end":312.25,"confidence":0.9980469,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.12839990854263306},{"word":"like","start":312.25,"end":312.41,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.18254996836185455},{"word":"for","start":312.41,"end":312.57,"confidence":0.7939453,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17056408524513245},{"word":"your","start":312.57,"end":312.81,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14430555701255798},{"word":"balance","start":312.81,"end":313.21,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.16830222308635712},{"word":"there","start":313.21,"end":313.71,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.13741210103034973},{"word":"it","start":314.01,"end":314.17,"confidence":0.67578125,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.39104753732681274},{"word":"is","start":314.17,"end":314.67,"confidence":0.99902344,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4595741927623749},{"word":"certainly","start":315.05002,"end":315.37,"confidence":0.8598633,"punctuated_word":"certainly","sentiment":"negative","sentiment_score":-0.4414266943931579},{"word":"a","start":315.37,"end":315.45,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.34953996539115906},{"word":"little","start":315.45,"end":315.61002,"confidence":1.0,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.414850652217865},{"word":"bit","start":315.61002,"end":315.77,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.4514485001564026},{"word":"lower","start":315.77,"end":316.01,"confidence":1.0,"punctuated_word":"lower","sentiment":"negative","sentiment_score":-0.5034626722335815},{"word":"than","start":316.01,"end":316.17,"confidence":1.0,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.5399177670478821},{"word":"where","start":316.17,"end":316.33002,"confidence":0.9951172,"punctuated_word":"where","sentiment":"negative","sentiment_score":-0.45648178458213806},{"word":"we","start":316.33002,"end":316.49,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.5037373304367065},{"word":"would","start":316.49,"end":316.73,"confidence":0.99609375,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.399598628282547},{"word":"sort","start":316.73,"end":316.89,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.457326203584671},{"word":"of","start":316.89,"end":317.05002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.47878652811050415},{"word":"like","start":317.05002,"end":317.29,"confidence":0.99902344,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.42004141211509705},{"word":"it","start":317.29,"end":317.53,"confidence":0.9980469,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.49392420053482056},{"word":"to","start":317.53,"end":317.69,"confidence":0.9941406,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5082021355628967},{"word":"be","start":317.69,"end":318.01,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4197511672973633},{"word":"given","start":318.01,"end":318.33002,"confidence":0.88720703,"punctuated_word":"given","sentiment":"negative","sentiment_score":-0.3747742176055908},{"word":"you","start":318.33002,"end":318.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3261469304561615},{"word":"are","start":318.41,"end":318.57,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.29244381189346313},{"word":"in","start":318.57,"end":318.73,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.33320456743240356},{"word":"that","start":318.73,"end":318.97,"confidence":0.9980469,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.36084774136543274},{"word":"growth","start":318.97,"end":319.37,"confidence":0.93408203,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.2155693769454956},{"word":"portfolio","start":319.37,"end":319.87,"confidence":0.99560547,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.27217939496040344},{"word":"generally","start":320.97,"end":321.37,"confidence":0.97753906,"punctuated_word":"Generally,","sentiment":"neutral","sentiment_score":-0.05607924982905388},{"word":"when","start":321.37,"end":321.61002,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02873716503381729},{"word":"we're","start":321.61002,"end":321.69,"confidence":0.99560547,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.011684800498187542},{"word":"looking","start":321.69,"end":321.93,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.013403303921222689},{"word":"at","start":321.93,"end":322.09,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.018557757139205933},{"word":"that","start":322.09,"end":322.25,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03935970366001129},{"word":"sort","start":322.25,"end":322.41,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.005496680736541748},{"word":"of","start":322.41,"end":322.65,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015434689819812776},{"word":"portfolio","start":322.65,"end":323.05,"confidence":0.89624023,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.018580913543701172},{"word":"you're","start":323.05,"end":323.29,"confidence":0.9916992,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0144386887550354},{"word":"sort","start":323.29,"end":323.53,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.008163362741470337},{"word":"of","start":323.53,"end":323.655,"confidence":0.42944336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01905815303325653},{"word":"hoping","start":323.655,"end":324.055,"confidence":0.98535156,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.0271943137049675},{"word":"for","start":324.055,"end":324.375,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06537368148565292},{"word":"or","start":324.375,"end":324.615,"confidence":0.6230469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05037541687488556},{"word":"tracking","start":324.615,"end":324.935,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.03829331696033478},{"word":"around","start":324.935,"end":325.255,"confidence":0.99609375,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0654974952340126},{"word":"about","start":325.255,"end":325.495,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0739770233631134},{"word":"a","start":325.495,"end":325.655,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1130492240190506},{"word":"seven","start":325.655,"end":325.975,"confidence":0.9980469,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.09254758805036543},{"word":"to","start":325.975,"end":326.055,"confidence":0.88964844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.014882832765579224},{"word":"9%","start":326.055,"end":326.615,"confidence":0.9995117,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.1104620322585106},{"word":"return","start":326.615,"end":327.115,"confidence":0.99609375,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.07897476851940155},{"word":"compounded","start":327.255,"end":327.755,"confidence":0.99316406,"punctuated_word":"compounded","sentiment":"neutral","sentiment_score":0.09653353691101074},{"word":"annually","start":327.815,"end":328.295,"confidence":0.99902344,"punctuated_word":"annually","sentiment":"neutral","sentiment_score":0.040106214582920074},{"word":"there","start":328.295,"end":328.775,"confidence":0.87597656,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.024845879524946213},{"word":"so","start":328.775,"end":329.01498,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.19607488811016083},{"word":"it","start":329.01498,"end":329.095,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2326284945011139},{"word":"is","start":329.095,"end":329.335,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.26066073775291443},{"word":"a","start":329.335,"end":329.415,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2025154680013657},{"word":"little","start":329.415,"end":329.575,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2742169499397278},{"word":"bit","start":329.575,"end":329.815,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.32569798827171326},{"word":"lower","start":329.815,"end":330.055,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.21940977871418},{"word":"than","start":330.055,"end":330.215,"confidence":1.0,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.35818320512771606},{"word":"where","start":330.215,"end":330.455,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.28220751881599426},{"word":"i","start":330.455,"end":330.535,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.35076072812080383},{"word":"would","start":330.535,"end":330.775,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2024657130241394},{"word":"like","start":330.775,"end":330.935,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.22252625226974487},{"word":"it","start":330.935,"end":331.095,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.25387459993362427},{"word":"to","start":331.095,"end":331.255,"confidence":0.99609375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3382128179073334},{"word":"sort","start":331.255,"end":331.495,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.19041335582733152},{"word":"of","start":331.495,"end":331.655,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2332510352134705},{"word":"be","start":331.655,"end":331.895,"confidence":0.99121094,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2452266663312912},{"word":"for","start":331.895,"end":332.055,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.24802228808403015},{"word":"the","start":332.055,"end":332.29498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20266717672348025},{"word":"year","start":332.29498,"end":332.79498,"confidence":0.9995117,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.2546820342540741},{"word":"it","start":332.855,"end":333.01498,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1990468204021454},{"word":"is","start":333.01498,"end":333.255,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20790064334869385},{"word":"partly","start":333.255,"end":333.735,"confidence":1.0,"punctuated_word":"partly","sentiment":"neutral","sentiment_score":-0.0888071209192276},{"word":"because","start":333.735,"end":334.055,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.122258760035038},{"word":"of","start":334.055,"end":334.215,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19073519110679624},{"word":"what's","start":334.215,"end":334.455,"confidence":0.99902344,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.20232222974300385},{"word":"been","start":334.455,"end":334.695,"confidence":0.99316406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.22497212886810303},{"word":"happening","start":334.695,"end":335.175,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.14976270496845245},{"word":"globally","start":335.175,"end":335.675,"confidence":1.0,"punctuated_word":"globally","sentiment":"neutral","sentiment_score":-0.1595466136932373},{"word":"with","start":335.735,"end":335.975,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07355225086212158},{"word":"the","start":335.975,"end":336.135,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05718247592449188},{"word":"us","start":336.135,"end":336.455,"confidence":0.6846924,"punctuated_word":"US,","sentiment":"neutral","sentiment_score":-0.08513112366199493},{"word":"iran","start":336.455,"end":336.955,"confidence":0.7167969,"punctuated_word":"Iran","sentiment":"neutral","sentiment_score":-0.11970382928848268},{"word":"war","start":337.01498,"end":337.51498,"confidence":0.9499512,"punctuated_word":"war.","sentiment":"neutral","sentiment_score":-0.10031268745660782},{"word":"yeah","start":337.735,"end":338.1,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.074863500893116},{"word":"however","start":339.30002,"end":339.80002,"confidence":0.9885254,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.1604977548122406},{"word":"i","start":339.86002,"end":340.02002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1938914656639099},{"word":"can","start":340.02002,"end":340.18,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.14295588433742523},{"word":"also","start":340.18,"end":340.5,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.16951067745685575},{"word":"see","start":340.5,"end":340.74002,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.1764099895954132},{"word":"one","start":340.74002,"end":340.9,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2765918970108032},{"word":"of","start":340.9,"end":341.06,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2193666845560074},{"word":"your","start":341.06,"end":341.30002,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.22415927052497864},{"word":"investments","start":341.30002,"end":341.80002,"confidence":0.9863281,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.32268303632736206},{"word":"underperforming","start":341.86002,"end":342.36002,"confidence":0.9897461,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.400299072265625},{"word":"a","start":342.66,"end":342.74002,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3630961179733277},{"word":"little","start":342.74002,"end":342.9,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2934102416038513},{"word":"bit","start":342.9,"end":343.14,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3395511507987976},{"word":"in","start":343.14,"end":343.30002,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3787943124771118},{"word":"there","start":343.30002,"end":343.46,"confidence":1.0,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.3548395037651062},{"word":"as","start":343.46,"end":343.62,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.16936644911766052},{"word":"well","start":343.62,"end":343.94,"confidence":0.98583984,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.19139842689037323},{"word":"so","start":343.94,"end":344.1,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1752692610025406},{"word":"you","start":344.1,"end":344.26,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18893828988075256},{"word":"did","start":344.26,"end":344.5,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.10442829132080078},{"word":"have","start":344.5,"end":345.0,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17814059555530548},{"word":"or","start":345.14,"end":345.30002,"confidence":0.5209961,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1916956752538681},{"word":"do","start":345.30002,"end":345.54,"confidence":0.9873047,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12241578102111816},{"word":"have","start":345.54,"end":345.78,"confidence":0.91748047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.14100883901119232},{"word":"been","start":345.78,"end":345.94,"confidence":0.70410156,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.13873639702796936},{"word":"along","start":345.94,"end":346.26,"confidence":0.80126953,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.18604600429534912},{"word":"australian","start":346.26,"end":346.74,"confidence":0.9658203,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.17385151982307434},{"word":"equities","start":346.74,"end":347.24,"confidence":0.8833008,"punctuated_word":"equities.","sentiment":"neutral","sentiment_score":-0.16914652287960052},{"word":"that","start":347.7,"end":347.94,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.2513994872570038},{"word":"one","start":347.94,"end":348.1,"confidence":1.0,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.34928596019744873},{"word":"there","start":348.1,"end":348.34,"confidence":0.9892578,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.3221402168273926},{"word":"is","start":348.34,"end":348.5,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3629169762134552},{"word":"the","start":348.5,"end":348.66,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3279866874217987},{"word":"only","start":348.66,"end":348.98,"confidence":1.0,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.3728126287460327},{"word":"one","start":348.98,"end":349.14,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.28361785411834717},{"word":"that's","start":349.14,"end":349.38,"confidence":0.907959,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.39255428314208984},{"word":"sort","start":349.38,"end":349.62,"confidence":0.99902344,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.39297109842300415},{"word":"of","start":349.62,"end":349.78,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4564337134361267},{"word":"down","start":349.78,"end":350.02002,"confidence":1.0,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.3677721321582794},{"word":"and","start":350.02002,"end":350.34,"confidence":0.9873047,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5173215866088867},{"word":"down","start":350.34,"end":350.58002,"confidence":0.9404297,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.3882821202278137},{"word":"because","start":350.58002,"end":350.9,"confidence":0.95947266,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2208610475063324},{"word":"that","start":350.9,"end":351.06,"confidence":0.99121094,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4212202727794647},{"word":"investment","start":351.06,"end":351.56,"confidence":1.0,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.6043440699577332},{"word":"hasn't","start":351.645,"end":351.88498,"confidence":0.99902344,"punctuated_word":"hasn't","sentiment":"negative","sentiment_score":-0.4933716356754303},{"word":"been","start":351.88498,"end":352.125,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.43042266368865967},{"word":"able","start":352.125,"end":352.365,"confidence":1.0,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.3864902853965759},{"word":"to","start":352.365,"end":352.865,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4051259756088257},{"word":"sorry","start":353.485,"end":353.72498,"confidence":0.7939453,"punctuated_word":"sorry.","sentiment":"negative","sentiment_score":-0.402393639087677},{"word":"that","start":353.72498,"end":353.88498,"confidence":0.99902344,"punctuated_word":"That","sentiment":"negative","sentiment_score":-0.33656230568885803},{"word":"investment","start":353.88498,"end":354.285,"confidence":1.0,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.4099150896072388},{"word":"is","start":354.285,"end":354.44498,"confidence":0.9951172,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3445940911769867},{"word":"meant","start":354.44498,"end":354.685,"confidence":1.0,"punctuated_word":"meant","sentiment":"negative","sentiment_score":-0.34167182445526123},{"word":"to","start":354.685,"end":354.76498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2357684224843979},{"word":"be","start":354.76498,"end":354.925,"confidence":0.99121094,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2618255615234375},{"word":"outperforming","start":354.925,"end":355.425,"confidence":0.9812012,"punctuated_word":"outperforming","sentiment":"neutral","sentiment_score":-0.27376437187194824},{"word":"against","start":355.645,"end":355.88498,"confidence":0.9980469,"punctuated_word":"against","sentiment":"neutral","sentiment_score":-0.29279038310050964},{"word":"the","start":355.88498,"end":356.04498,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3376370370388031},{"word":"market","start":356.04498,"end":356.525,"confidence":0.7355957,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":-0.2529001832008362},{"word":"the","start":356.525,"end":356.76498,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2979872226715088},{"word":"idea","start":356.76498,"end":357.00497,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.26288774609565735},{"word":"of","start":357.00497,"end":357.16498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23403018712997437},{"word":"having","start":357.16498,"end":357.485,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.2315814644098282},{"word":"an","start":357.485,"end":357.645,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.21290913224220276},{"word":"active","start":357.645,"end":357.965,"confidence":1.0,"punctuated_word":"active","sentiment":"neutral","sentiment_score":-0.16820219159126282},{"word":"manager","start":357.965,"end":358.365,"confidence":0.99902344,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":-0.2711576819419861},{"word":"in","start":358.365,"end":358.525,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1486554592847824},{"word":"your","start":358.525,"end":358.76498,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.13806642591953278},{"word":"portfolio","start":358.76498,"end":359.26498,"confidence":0.98583984,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.2084362506866455},{"word":"they","start":360.04498,"end":360.28497,"confidence":0.59228516,"punctuated_word":"They","sentiment":"negative","sentiment_score":-0.39870262145996094},{"word":"have","start":360.28497,"end":360.44498,"confidence":0.99902344,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.49164432287216187},{"word":"not","start":360.44498,"end":360.60498,"confidence":0.9980469,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5558573603630066},{"word":"been","start":360.60498,"end":360.845,"confidence":0.99609375,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.5287572741508484},{"word":"able","start":360.845,"end":361.16498,"confidence":0.9970703,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.4482576847076416},{"word":"to","start":361.16498,"end":361.32498,"confidence":0.9902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5239260792732239},{"word":"do","start":361.32498,"end":361.645,"confidence":0.9970703,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.5540148615837097},{"word":"that","start":361.645,"end":362.145,"confidence":0.9211426,"punctuated_word":"that,","sentiment":"negative","sentiment_score":-0.4529259502887726},{"word":"and","start":362.205,"end":362.28497,"confidence":0.9550781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.30426543951034546},{"word":"they","start":362.28497,"end":362.44498,"confidence":0.9941406,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.4596014618873596},{"word":"have","start":362.44498,"end":362.685,"confidence":0.77246094,"punctuated_word":"have,","sentiment":"negative","sentiment_score":-0.42301100492477417},{"word":"unfortunately","start":362.685,"end":362.69388,"confidence":0.99853516,"punctuated_word":"unfortunately,","sentiment":"negative","sentiment_score":-0.547410249710083},{"word":"had","start":362.69388,"end":362.7028,"confidence":0.98291016,"punctuated_word":"had","sentiment":"negative","sentiment_score":-0.6137456297874451},{"word":"a","start":362.7028,"end":362.71167,"confidence":0.9790039,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5109493732452393},{"word":"fewer","start":362.71167,"end":362.72055,"confidence":0.6274414,"punctuated_word":"fewer","sentiment":"negative","sentiment_score":-0.6068256497383118},{"word":"underlying","start":362.72055,"end":362.72943,"confidence":0.99316406,"punctuated_word":"underlying","sentiment":"negative","sentiment_score":-0.4773208498954773},{"word":"issues","start":362.72943,"end":362.73834,"confidence":0.56347656,"punctuated_word":"issues","sentiment":"negative","sentiment_score":-0.4964486062526703},{"word":"that","start":362.73834,"end":362.74722,"confidence":0.5678711,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4364604949951172},{"word":"i've","start":362.74722,"end":362.7561,"confidence":0.8811035,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.43342146277427673},{"word":"been","start":362.7561,"end":362.765,"confidence":0.68847656,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.43121957778930664},{"word":"able","start":362.765,"end":362.7739,"confidence":0.52978516,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.37850165367126465},{"word":"to","start":362.7739,"end":362.78278,"confidence":0.7114258,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5122321248054504},{"word":"sort","start":362.78278,"end":362.79166,"confidence":0.62597656,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.3691094219684601},{"word":"of","start":362.79166,"end":362.80057,"confidence":0.8803711,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.515180766582489},{"word":"evaluate","start":362.80057,"end":362.80945,"confidence":0.8745117,"punctuated_word":"evaluate","sentiment":"negative","sentiment_score":-0.445723295211792},{"word":"there","start":362.80945,"end":362.81833,"confidence":0.74780273,"punctuated_word":"there.","sentiment":"negative","sentiment_score":-0.4793827831745148},{"word":"so","start":362.81833,"end":362.8272,"confidence":0.8881836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.18478995561599731},{"word":"i","start":362.8272,"end":362.83612,"confidence":0.8364258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21680915355682373},{"word":"would","start":362.83612,"end":362.845,"confidence":0.93115234,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1252221167087555},{"word":"like","start":362.845,"end":363.345,"confidence":0.8647461,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10327383875846864},{"word":"to","start":364.28497,"end":364.65,"confidence":0.7685547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12039420008659364},{"word":"issues","start":365.77,"end":365.85,"confidence":0.5214844,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.17158739268779755},{"word":"that","start":365.85,"end":366.17,"confidence":0.55810547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12608271837234497},{"word":"i've","start":366.17,"end":366.49,"confidence":0.9445801,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.11293463408946992},{"word":"been","start":366.49,"end":366.81,"confidence":0.8769531,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.12525445222854614},{"word":"able","start":366.81,"end":367.13,"confidence":0.7680664,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.12986785173416138},{"word":"to","start":367.13,"end":367.51,"confidence":0.8540039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1747187077999115},{"word":"sort","start":367.51,"end":367.89,"confidence":0.7988281,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.19528427720069885},{"word":"of","start":367.89,"end":368.27,"confidence":0.86621094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23129311203956604},{"word":"evaluate","start":368.27,"end":368.65,"confidence":0.7919922,"punctuated_word":"evaluate","sentiment":"neutral","sentiment_score":-0.2532613277435303},{"word":"there","start":368.65,"end":368.67667,"confidence":0.8183594,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.21822141110897064},{"word":"so","start":368.67667,"end":368.7033,"confidence":0.8989258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10406243801116943},{"word":"i","start":368.7033,"end":368.72998,"confidence":0.91503906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11174066364765169},{"word":"would","start":368.72998,"end":368.81,"confidence":0.9291992,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06071587651968002},{"word":"like","start":368.81,"end":368.88998,"confidence":0.94970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04974879324436188},{"word":"to","start":368.88998,"end":369.29,"confidence":0.9189453,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.03625383600592613},{"word":"if","start":369.29,"end":369.33002,"confidence":0.8642578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03496353328227997},{"word":"you're","start":369.33002,"end":369.37,"confidence":0.9772949,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06349176913499832},{"word":"comfortable","start":369.37,"end":369.69,"confidence":0.92089844,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":-0.11198969930410384},{"word":"update","start":369.69,"end":370.13,"confidence":0.92333984,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.09348678588867188},{"word":"the","start":370.13,"end":370.57,"confidence":0.87353516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08829601854085922},{"word":"advice","start":370.57,"end":370.81,"confidence":0.7998047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.08875685930252075},{"word":"for","start":370.81,"end":371.05,"confidence":0.8095703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09619640558958054},{"word":"you","start":371.05,"end":371.37,"confidence":0.82543945,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.14189359545707703},{"word":"remove","start":371.37,"end":371.85,"confidence":0.8691406,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.11586464196443558},{"word":"that","start":371.85,"end":372.00998,"confidence":0.9086914,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.203902006149292},{"word":"investment","start":372.00998,"end":372.50998,"confidence":0.86206055,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":-0.2196235954761505},{"word":"and","start":372.65,"end":372.81,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21770872175693512},{"word":"look","start":372.81,"end":373.05,"confidence":0.93359375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.22506850957870483},{"word":"at","start":373.05,"end":373.13,"confidence":0.68115234,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2189321666955948},{"word":"putting","start":373.13,"end":373.44998,"confidence":0.9819336,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.17323565483093262},{"word":"something","start":373.44998,"end":373.85,"confidence":0.9892578,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.140971839427948},{"word":"else","start":373.85,"end":374.00998,"confidence":0.984375,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.12944550812244415},{"word":"in","start":374.00998,"end":374.16998,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09756185114383698},{"word":"its","start":374.16998,"end":374.33,"confidence":0.8925781,"punctuated_word":"its","sentiment":"neutral","sentiment_score":-0.11060169339179993},{"word":"place","start":374.33,"end":374.52997,"confidence":0.9848633,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":-0.13913966715335846},{"word":"i","start":374.52997,"end":374.72998,"confidence":0.9394531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23959936201572415},{"word":"don't","start":374.72998,"end":374.97,"confidence":0.99560547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19567611813545227},{"word":"want","start":374.97,"end":375.21,"confidence":0.9921875,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.2218913733959198},{"word":"you","start":375.21,"end":375.28998,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3273419439792633},{"word":"to","start":375.28998,"end":375.37,"confidence":0.99609375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4059250056743622},{"word":"be","start":375.37,"end":375.53,"confidence":0.99609375,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.37177225947380066},{"word":"in","start":375.53,"end":375.61,"confidence":0.984375,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3492557406425476},{"word":"anything","start":375.61,"end":375.93,"confidence":0.97265625,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.30827030539512634},{"word":"underperforming","start":375.93,"end":376.43,"confidence":0.98567706,"punctuated_word":"underperforming.","sentiment":"negative","sentiment_score":-0.3500842750072479},{"word":"yeah","start":376.97,"end":377.47,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1085311472415924},{"word":"absolutely","start":380.45502,"end":380.95502,"confidence":0.9941406,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.17595429718494415},{"word":"now","start":381.33502,"end":381.655,"confidence":0.6870117,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.013024434447288511},{"word":"you're","start":381.655,"end":382.135,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03789536654949188},{"word":"still","start":382.135,"end":382.45502,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.067934550344944},{"word":"really","start":382.45502,"end":382.77502,"confidence":0.99609375,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.09085510671138763},{"word":"young","start":382.77502,"end":383.015,"confidence":0.99902344,"punctuated_word":"young.","sentiment":"neutral","sentiment_score":-0.07032515108585358},{"word":"you've","start":383.015,"end":383.255,"confidence":0.97753906,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.05960508435964584},{"word":"got","start":383.255,"end":383.415,"confidence":0.95410156,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.05972918123006821},{"word":"a","start":383.415,"end":383.49503,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.047256939113140106},{"word":"lot","start":383.49503,"end":383.655,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.018596522510051727},{"word":"of","start":383.655,"end":383.73502,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06082581728696823},{"word":"time","start":383.73502,"end":383.975,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.010718315839767456},{"word":"on","start":383.975,"end":384.135,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06134490668773651},{"word":"your","start":384.135,"end":384.375,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04589308053255081},{"word":"side","start":384.375,"end":384.61502,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.00932680070400238},{"word":"here","start":384.61502,"end":384.855,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.0296909362077713},{"word":"at","start":384.855,"end":384.93503,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07488555461168289},{"word":"the","start":384.93503,"end":385.095,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04974476993083954},{"word":"moment","start":385.095,"end":385.33502,"confidence":0.76123047,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.056556809693574905},{"word":"so","start":385.33502,"end":385.49503,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06733951717615128},{"word":"you","start":385.49503,"end":385.73502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08832604438066483},{"word":"can't","start":385.73502,"end":385.975,"confidence":0.99365234,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.05056660994887352},{"word":"actually","start":385.975,"end":386.295,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.04621099680662155},{"word":"access","start":386.295,"end":386.695,"confidence":0.9970703,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.04581184685230255},{"word":"super","start":386.695,"end":387.015,"confidence":0.7207031,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08344424515962601},{"word":"till","start":387.015,"end":387.255,"confidence":0.97802734,"punctuated_word":"till","sentiment":"neutral","sentiment_score":-0.02734609693288803},{"word":"the","start":387.255,"end":387.415,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004738911986351013},{"word":"age","start":387.415,"end":387.655,"confidence":0.9980469,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.009819477796554564},{"word":"of","start":387.655,"end":387.815,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021893419325351715},{"word":"60","start":387.815,"end":388.295,"confidence":1.0,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.007998146116733551},{"word":"is","start":388.295,"end":388.45502,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.03664902597665787},{"word":"that","start":388.45502,"end":388.695,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.032959841191768646},{"word":"kind","start":388.695,"end":388.935,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.05579008907079697},{"word":"of","start":388.935,"end":389.095,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04756839573383331},{"word":"your","start":389.095,"end":389.33502,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04628782719373703},{"word":"goal","start":389.33502,"end":389.575,"confidence":0.9951172,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":-0.05290566384792328},{"word":"age","start":389.575,"end":389.89502,"confidence":0.77734375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.02194163203239441},{"word":"still","start":389.89502,"end":390.21503,"confidence":0.8535156,"punctuated_word":"still?","sentiment":"neutral","sentiment_score":-0.06559418141841888},{"word":"are","start":390.21503,"end":390.375,"confidence":0.96435547,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.0636894702911377},{"word":"you","start":390.375,"end":390.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05496121942996979},{"word":"hoping","start":390.535,"end":390.935,"confidence":0.9970703,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.04044624418020248},{"word":"to","start":390.935,"end":391.095,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04447202384471893},{"word":"be","start":391.095,"end":391.17502,"confidence":0.9589844,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.052679166197776794},{"word":"able","start":391.17502,"end":391.575,"confidence":0.52685547,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.02041482925415039},{"word":"to","start":391.575,"end":391.815,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03697352111339569},{"word":"retire","start":391.815,"end":392.315,"confidence":0.99902344,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.04391700029373169},{"word":"as","start":392.375,"end":392.61502,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.042444467544555664},{"word":"early","start":392.61502,"end":392.935,"confidence":1.0,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.023926854133605957},{"word":"as","start":392.935,"end":393.17502,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05002860724925995},{"word":"possible","start":393.17502,"end":393.67502,"confidence":0.9995117,"punctuated_word":"possible?","sentiment":"neutral","sentiment_score":-0.04086371138691902},{"word":"yeah","start":396.83,"end":396.99,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07124734669923782},{"word":"absolutely","start":396.99,"end":397.49,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.12611094117164612},{"word":"yeah","start":399.38998,"end":399.63,"confidence":0.986084,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1179068684577942},{"word":"yeah","start":399.63,"end":400.03,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16488081216812134},{"word":"absolutely","start":400.03,"end":400.53,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2269057035446167},{"word":"just","start":400.59,"end":400.91,"confidence":0.9863281,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1030326709151268},{"word":"double","start":400.91,"end":401.15,"confidence":0.9658203,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.12355227768421172},{"word":"checking","start":401.15,"end":401.47,"confidence":0.98535156,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.11090123653411864},{"word":"your","start":401.47,"end":401.71,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1265612244606018},{"word":"goal","start":401.71,"end":401.95,"confidence":0.95166016,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.08011132478713989},{"word":"age","start":401.95,"end":402.19,"confidence":0.77734375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.1953907459974289},{"word":"there","start":402.19,"end":402.51,"confidence":0.97802734,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03076782077550888},{"word":"at","start":402.51,"end":402.59,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.004237905144691467},{"word":"the","start":402.59,"end":402.66998,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08328747749328613},{"word":"moment","start":402.66998,"end":402.99,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.08914335072040558},{"word":"because","start":402.99,"end":403.49,"confidence":0.70654297,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.01202448457479477},{"word":"realistically","start":403.55,"end":404.05,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.012918910011649132},{"word":"you've","start":404.35,"end":404.59,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.013720001094043257},{"word":"got","start":404.59,"end":404.83,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0255996435880661},{"word":"more","start":404.83,"end":404.99,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.046598270535469055},{"word":"than","start":404.99,"end":405.15,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.08924819529056549},{"word":"ten","start":405.15,"end":405.38998,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.08423104882240295},{"word":"years","start":405.38998,"end":405.63,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.05357959121465683},{"word":"ahead","start":405.63,"end":405.87,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.08415799587965012},{"word":"of","start":405.87,"end":406.03,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17807909846305847},{"word":"you","start":406.03,"end":406.19,"confidence":0.9951172,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.05866062641143799},{"word":"when","start":406.19,"end":406.43,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.00575907900929451},{"word":"you","start":406.43,"end":406.51,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004157448187470436},{"word":"think","start":406.51,"end":406.75,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.007952919229865074},{"word":"about","start":406.75,"end":406.99,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.002085918560624122},{"word":"your","start":406.99,"end":407.23,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0036025196313858032},{"word":"super","start":407.23,"end":407.63,"confidence":0.8405762,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.009766504168510435},{"word":"are","start":407.63,"end":407.79,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.005901901051402092},{"word":"you","start":407.79,"end":407.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00010490790009498596},{"word":"wanting","start":407.95,"end":408.27,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.00042114220559597015},{"word":"me","start":408.27,"end":408.43,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.009032003581523895},{"word":"to","start":408.43,"end":408.59,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00043856725096702576},{"word":"look","start":408.59,"end":408.75,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-9.385868906974792e-6},{"word":"at","start":408.75,"end":408.99,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.005898661911487579},{"word":"replacing","start":408.99,"end":409.49,"confidence":1.0,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":0.0028176940977573395},{"word":"banda","start":409.55,"end":409.95,"confidence":0.27075195,"punctuated_word":"Banda","sentiment":"neutral","sentiment_score":-0.005039633251726627},{"word":"long","start":409.95,"end":410.295,"confidence":0.9326172,"punctuated_word":"Long","sentiment":"neutral","sentiment_score":0.006383359432220459},{"word":"but","start":410.535,"end":410.77502,"confidence":0.98535156,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0045783743262290955},{"word":"keeping","start":410.77502,"end":411.255,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.006348844617605209},{"word":"more","start":411.255,"end":411.415,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.004100218415260315},{"word":"of","start":411.415,"end":411.575,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0026659350842237473},{"word":"an","start":411.575,"end":411.815,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.004457693547010422},{"word":"active","start":411.815,"end":412.315,"confidence":1.0,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.015659503638744354},{"word":"manager","start":412.375,"end":412.855,"confidence":0.99902344,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.0062713585793972015},{"word":"in","start":412.855,"end":413.015,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01587994210422039},{"word":"your","start":413.015,"end":413.33502,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015909777954220772},{"word":"portfolio","start":413.33502,"end":413.83502,"confidence":0.7922363,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.0033022314310073853},{"word":"or","start":413.89502,"end":414.135,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.005892271175980568},{"word":"are","start":414.135,"end":414.21503,"confidence":0.7182617,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.002511393278837204},{"word":"you","start":414.21503,"end":414.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014255613088607788},{"word":"wanting","start":414.375,"end":414.695,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.010432301089167597},{"word":"to","start":414.695,"end":414.77502,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011212659999728205},{"word":"look","start":414.77502,"end":414.93503,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0114503875374794},{"word":"at","start":414.93503,"end":415.095,"confidence":0.984375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.015230594202876093},{"word":"more","start":415.095,"end":415.255,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.009256865829229357},{"word":"of","start":415.255,"end":415.415,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015013346448540688},{"word":"a","start":415.415,"end":415.655,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01701580174267292},{"word":"a","start":415.655,"end":415.73502,"confidence":0.85839844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01254343707114458},{"word":"portfolio","start":415.73502,"end":416.21503,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.0005939565598964691},{"word":"that's","start":416.21503,"end":416.45502,"confidence":0.9628906,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.02563774213194847},{"word":"maybe","start":416.45502,"end":416.77502,"confidence":0.97998047,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.030942313373088837},{"word":"low","start":416.77502,"end":417.015,"confidence":0.9941406,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.06802248954772949},{"word":"cost","start":417.015,"end":417.33502,"confidence":0.97558594,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.06738071143627167},{"word":"a","start":417.33502,"end":417.49503,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0899328887462616},{"word":"bit","start":417.49503,"end":417.655,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08542865514755249},{"word":"cheaper","start":417.655,"end":417.975,"confidence":0.9980469,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.08010107278823853},{"word":"in","start":417.975,"end":418.135,"confidence":0.85253906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07447320222854614},{"word":"investment","start":418.135,"end":418.635,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.008408203721046448},{"word":"fees","start":418.695,"end":419.195,"confidence":0.9458008,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.020840074867010117},{"word":"but","start":419.415,"end":419.655,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.009452637284994124},{"word":"still","start":419.655,"end":419.975,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.016636468470096588},{"word":"working","start":419.975,"end":420.475,"confidence":0.9980469,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.005334112793207169},{"word":"harder","start":420.535,"end":421.015,"confidence":0.99609375,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.01786527782678604},{"word":"than","start":421.015,"end":421.415,"confidence":0.7854004,"punctuated_word":"than,","sentiment":"neutral","sentiment_score":-0.04461458697915077},{"word":"you","start":421.415,"end":421.49503,"confidence":0.90478516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.033526621758937836},{"word":"know","start":421.49503,"end":421.975,"confidence":0.99072266,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04324009269475937},{"word":"at","start":421.975,"end":422.135,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04059372842311859},{"word":"the","start":422.135,"end":422.21503,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0397670716047287},{"word":"moment","start":422.21503,"end":422.535,"confidence":0.954834,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.012060027569532394},{"word":"what","start":422.535,"end":422.695,"confidence":0.98535156,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.011061587370932102},{"word":"are","start":422.695,"end":422.77502,"confidence":0.9506836,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.016470886766910553},{"word":"you","start":422.77502,"end":422.935,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008112290874123573},{"word":"sort","start":422.935,"end":423.17502,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.01049547828733921},{"word":"of","start":423.17502,"end":423.255,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005759775638580322},{"word":"looking","start":423.255,"end":423.49503,"confidence":0.99316406,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.008307864889502525},{"word":"for","start":423.49503,"end":423.73502,"confidence":0.9633789,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.006859605200588703},{"word":"in","start":423.73502,"end":423.89502,"confidence":0.95947266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.010572018101811407},{"word":"the","start":423.89502,"end":423.975,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008212123066186905},{"word":"way","start":423.975,"end":424.135,"confidence":0.9716797,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.0018146634101867676},{"word":"of","start":424.135,"end":424.21503,"confidence":0.9277344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006697645410895348},{"word":"a","start":424.21503,"end":424.295,"confidence":0.83740234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00859147123992443},{"word":"portfolio","start":424.295,"end":424.795,"confidence":0.97802734,"punctuated_word":"portfolio?","sentiment":"neutral","sentiment_score":-0.010909751988947392},{"word":"yeah","start":434.93997,"end":435.43997,"confidence":0.82543945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009090472012758257},{"word":"yep","start":435.81998,"end":436.31998,"confidence":0.83251953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.059720516204833984},{"word":"yeah","start":437.9,"end":438.21997,"confidence":0.7800293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.032332226634025574},{"word":"that's","start":438.21997,"end":438.53998,"confidence":0.98339844,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0966576561331749},{"word":"okay","start":438.53998,"end":438.825,"confidence":0.9941406,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1437339037656784},{"word":"yeah","start":439.46503,"end":439.785,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1132538914680481},{"word":"that's","start":439.785,"end":440.02502,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16268455982208252},{"word":"okay","start":440.02502,"end":440.42502,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.16340889036655426},{"word":"so","start":440.42502,"end":440.665,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15254336595535278},{"word":"you'd","start":440.665,"end":440.905,"confidence":0.9995117,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.16668973863124847},{"word":"be","start":440.905,"end":441.065,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15761040151119232},{"word":"comfortable","start":441.065,"end":441.545,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.13400106132030487},{"word":"looking","start":441.545,"end":441.86502,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.16620995104312897},{"word":"at","start":441.86502,"end":441.945,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1847015917301178},{"word":"more","start":441.945,"end":442.105,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.13802455365657806},{"word":"of","start":442.105,"end":442.185,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18049761652946472},{"word":"a","start":442.185,"end":442.345,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1888088136911392},{"word":"passively","start":442.345,"end":442.825,"confidence":0.9970703,"punctuated_word":"passively","sentiment":"neutral","sentiment_score":0.2265477180480957},{"word":"managed","start":442.825,"end":443.30502,"confidence":0.9667969,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.2124227434396744},{"word":"low","start":443.30502,"end":443.625,"confidence":0.77246094,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.2146913856267929},{"word":"cost","start":443.625,"end":444.02502,"confidence":0.99902344,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.17325963079929352},{"word":"portfolio","start":444.02502,"end":444.52502,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1300922930240631},{"word":"to","start":444.665,"end":444.825,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2304058372974396},{"word":"save","start":444.825,"end":445.065,"confidence":1.0,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.2133266180753708},{"word":"on","start":445.065,"end":445.30502,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2647615075111389},{"word":"fees","start":445.30502,"end":445.625,"confidence":0.75439453,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.22682183980941772},{"word":"rather","start":445.625,"end":445.945,"confidence":0.97802734,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.17873752117156982},{"word":"than","start":445.945,"end":446.02502,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.11656945943832396},{"word":"having","start":446.02502,"end":446.345,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.15149879455566406},{"word":"an","start":446.345,"end":446.505,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13468319177627563},{"word":"active","start":446.505,"end":446.905,"confidence":1.0,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.0459524542093277},{"word":"manager","start":446.905,"end":447.405,"confidence":1.0,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.09745097160339355},{"word":"taking","start":447.625,"end":448.02502,"confidence":0.98828125,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.12738250195980072},{"word":"on","start":448.02502,"end":448.185,"confidence":0.91259766,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15832391381263733},{"word":"more","start":448.185,"end":448.42502,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10080224275588988},{"word":"risk","start":448.42502,"end":448.74503,"confidence":0.9873047,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.12158232927322388},{"word":"trying","start":448.74503,"end":449.065,"confidence":0.87353516,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.1642918884754181},{"word":"to","start":449.065,"end":449.225,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2330067902803421},{"word":"outperform","start":449.225,"end":449.70502,"confidence":0.9797363,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.1970815360546112},{"word":"against","start":449.70502,"end":450.105,"confidence":0.99902344,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.20172153413295743},{"word":"the","start":450.105,"end":450.185,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17912006378173828},{"word":"market","start":450.185,"end":450.58502,"confidence":0.87109375,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.1549081653356552},{"word":"would","start":450.58502,"end":450.74503,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.1046489030122757},{"word":"you","start":450.74503,"end":450.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10186907649040222},{"word":"say","start":450.905,"end":451.065,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.12286852300167084},{"word":"that's","start":451.065,"end":451.385,"confidence":0.98657227,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14786504209041595},{"word":"fairly","start":451.385,"end":451.70502,"confidence":0.99121094,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.13949158787727356},{"word":"comfortable","start":451.70502,"end":452.105,"confidence":0.9367676,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":0.0999397113919258},{"word":"or","start":452.105,"end":452.265,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.004260249435901642},{"word":"would","start":452.265,"end":452.42502,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.006440715864300728},{"word":"you","start":452.42502,"end":452.665,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008911360055208206},{"word":"prefer","start":452.665,"end":453.0,"confidence":1.0,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.005344163626432419},{"word":"the","start":453.0,"end":453.08,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01639886200428009},{"word":"other","start":453.08,"end":453.24,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.002379894256591797},{"word":"way","start":453.24,"end":453.48,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.006931629031896591},{"word":"around","start":453.48,"end":453.98,"confidence":0.99853516,"punctuated_word":"around?","sentiment":"neutral","sentiment_score":0.019181599840521812},{"word":"yeah","start":454.04,"end":454.36,"confidence":0.9523926,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00806992407888174},{"word":"yeah","start":454.36,"end":454.86,"confidence":0.873291,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01728248782455921},{"word":"yeah","start":455.8,"end":456.2,"confidence":0.85302734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1887082606554031},{"word":"beautiful","start":456.2,"end":456.7,"confidence":0.99316406,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4889771342277527},{"word":"and","start":456.84,"end":457.0,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.318508505821228},{"word":"look","start":457.0,"end":457.24,"confidence":0.48620605,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.3063610792160034},{"word":"lower","start":457.24,"end":457.48,"confidence":0.9741211,"punctuated_word":"Lower","sentiment":"neutral","sentiment_score":0.30241069197654724},{"word":"cost","start":457.48,"end":457.8,"confidence":0.99609375,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.2718445658683777},{"word":"fees","start":457.8,"end":458.12,"confidence":0.8701172,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.260206937789917},{"word":"means","start":458.12,"end":458.36,"confidence":0.9970703,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.22494542598724365},{"word":"more","start":458.36,"end":458.6,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.26059094071388245},{"word":"money","start":458.6,"end":458.92,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2972952723503113},{"word":"stays","start":458.92,"end":459.24,"confidence":0.9941406,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.30369168519973755},{"word":"in","start":459.24,"end":459.4,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.235943466424942},{"word":"your","start":459.4,"end":459.72,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20381660759449005},{"word":"portfolio","start":459.72,"end":460.22,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.13136541843414307},{"word":"working","start":460.28,"end":460.6,"confidence":0.79833984,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.21039453148841855},{"word":"harder","start":460.6,"end":460.92,"confidence":0.9980469,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.2761179208755493},{"word":"for","start":460.92,"end":461.08,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25342461466789246},{"word":"you","start":461.08,"end":461.24,"confidence":0.82958984,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2801697254180908},{"word":"so","start":461.24,"end":461.48,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.24488863348960876},{"word":"that's","start":461.48,"end":461.72,"confidence":0.9941406,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.317715585231781},{"word":"never","start":461.72,"end":461.96,"confidence":1.0,"punctuated_word":"never","sentiment":"positive","sentiment_score":0.33641642332077026},{"word":"a","start":461.96,"end":462.12,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1959085464477539},{"word":"bad","start":462.12,"end":462.28,"confidence":1.0,"punctuated_word":"bad","sentiment":"positive","sentiment_score":0.3346371054649353},{"word":"thing","start":462.28,"end":462.52,"confidence":0.9741211,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.25201523303985596},{"word":"and","start":462.52,"end":462.68,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.178957998752594},{"word":"i've","start":462.68,"end":462.84,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.20678630471229553},{"word":"got","start":462.84,"end":463.0,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1763349026441574},{"word":"a","start":463.0,"end":463.16,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1635945439338684},{"word":"couple","start":463.16,"end":463.4,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1645258367061615},{"word":"of","start":463.4,"end":463.56,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13098113238811493},{"word":"options","start":463.56,"end":463.96,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.09333382546901704},{"word":"i","start":463.96,"end":464.04,"confidence":0.93408203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14193929731845856},{"word":"can","start":464.04,"end":464.28,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11844330281019212},{"word":"look","start":464.28,"end":464.44,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0964006930589676},{"word":"to","start":464.44,"end":464.68,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10918747633695602},{"word":"replace","start":464.68,"end":465.08,"confidence":1.0,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.06318915635347366},{"word":"that","start":465.08,"end":465.32,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13395367562770844},{"word":"for","start":465.32,"end":465.56,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1672519892454147},{"word":"you","start":465.56,"end":465.96,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14045092463493347},{"word":"fantastic","start":465.96,"end":466.46,"confidence":0.9970703,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5038843154907227},{"word":"otherwise","start":467.83502,"end":468.315,"confidence":0.9941406,"punctuated_word":"Otherwise,","sentiment":"positive","sentiment_score":0.36462920904159546},{"word":"everything","start":468.315,"end":468.635,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.5158095359802246},{"word":"else","start":468.635,"end":468.875,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.4678171575069427},{"word":"in","start":468.875,"end":469.035,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.46091657876968384},{"word":"your","start":469.035,"end":469.27502,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4348284900188446},{"word":"portfolio","start":469.27502,"end":469.755,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.33528825640678406},{"word":"has","start":469.755,"end":469.99503,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4884911775588989},{"word":"been","start":469.99503,"end":470.23502,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.49608856439590454},{"word":"performing","start":470.23502,"end":470.715,"confidence":1.0,"punctuated_word":"performing","sentiment":"positive","sentiment_score":0.5084671974182129},{"word":"very","start":470.715,"end":471.035,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.597898542881012},{"word":"nicely","start":471.035,"end":471.515,"confidence":1.0,"punctuated_word":"nicely","sentiment":"positive","sentiment_score":0.6285372376441956},{"word":"there","start":471.515,"end":471.99503,"confidence":0.99560547,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.5105308294296265},{"word":"your","start":471.99503,"end":472.315,"confidence":0.94628906,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.43095141649246216},{"word":"gold","start":472.315,"end":472.715,"confidence":0.7866211,"punctuated_word":"gold,","sentiment":"positive","sentiment_score":0.4520752429962158},{"word":"especially","start":472.715,"end":473.215,"confidence":0.97094727,"punctuated_word":"especially,","sentiment":"positive","sentiment_score":0.4324435293674469},{"word":"is","start":473.27502,"end":473.515,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4313384592533112},{"word":"up","start":473.515,"end":473.755,"confidence":0.9970703,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4798794388771057},{"word":"by","start":473.755,"end":473.83502,"confidence":0.9892578,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3651913106441498},{"word":"over","start":473.83502,"end":474.155,"confidence":0.99902344,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4183649122714996},{"word":"14.18%","start":474.155,"end":475.515,"confidence":0.99667966,"punctuated_word":"14.18%","sentiment":"neutral","sentiment_score":0.3073747158050537},{"word":"for","start":475.515,"end":475.755,"confidence":0.86572266,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.40034523606300354},{"word":"the","start":475.755,"end":475.915,"confidence":0.91845703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.33482059836387634},{"word":"that's","start":475.995,"end":476.23502,"confidence":0.8652344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.38592836260795593},{"word":"good","start":476.23502,"end":476.39502,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4743761718273163},{"word":"to","start":476.39502,"end":476.55502,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4420638978481293},{"word":"see","start":476.55502,"end":477.05502,"confidence":0.99658203,"punctuated_word":"see.","sentiment":"positive","sentiment_score":0.4101138114929199},{"word":"the","start":477.355,"end":477.515,"confidence":0.9921875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.26542428135871887},{"word":"s","start":477.515,"end":477.67502,"confidence":0.63427734,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.2557050585746765},{"word":"and","start":477.67502,"end":477.83502,"confidence":0.9350586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22194698452949524},{"word":"p","start":477.83502,"end":478.075,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.2114381343126297},{"word":"500","start":478.075,"end":478.55502,"confidence":0.9909668,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.2416670322418213},{"word":"is","start":478.55502,"end":478.715,"confidence":0.6152344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24864110350608823},{"word":"up","start":478.715,"end":478.875,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2241648435592651},{"word":"over","start":478.875,"end":479.11502,"confidence":0.9970703,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.26476383209228516},{"word":"12%","start":479.11502,"end":479.83502,"confidence":0.9995117,"punctuated_word":"12%","sentiment":"neutral","sentiment_score":0.23567481338977816},{"word":"individually","start":479.83502,"end":480.33502,"confidence":0.9980469,"punctuated_word":"individually","sentiment":"neutral","sentiment_score":0.2421767860651016},{"word":"there","start":480.39502,"end":480.72,"confidence":0.8244629,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1839977204799652},{"word":"and","start":480.96,"end":481.2,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15885236859321594},{"word":"we've","start":481.2,"end":481.6,"confidence":0.9838867,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1866096258163452},{"word":"also","start":481.6,"end":481.92,"confidence":0.99316406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.14214034378528595},{"word":"got","start":481.92,"end":482.08,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1977960616350174},{"word":"bank","start":482.08,"end":482.4,"confidence":0.66845703,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.17682315409183502},{"word":"hybrids","start":482.4,"end":482.88,"confidence":0.75561523,"punctuated_word":"hybrids.","sentiment":"neutral","sentiment_score":0.16237559914588928},{"word":"so","start":482.88,"end":483.04,"confidence":0.9394531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.113713338971138},{"word":"those","start":483.04,"end":483.36002,"confidence":0.9667969,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1551368236541748},{"word":"are","start":483.36002,"end":483.52,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1339014321565628},{"word":"more","start":483.52,"end":483.84,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0897756814956665},{"word":"of","start":483.84,"end":483.92,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1568591445684433},{"word":"a","start":483.92,"end":484.42,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13571280241012573},{"word":"more","start":484.96,"end":485.2,"confidence":0.5620117,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.07626847177743912},{"word":"of","start":485.2,"end":485.36002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15032759308815002},{"word":"a","start":485.36002,"end":485.52,"confidence":0.845459,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.11972805857658386},{"word":"sorry","start":485.52,"end":485.92,"confidence":0.98168945,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.09268742054700851},{"word":"defensive","start":485.92,"end":486.42,"confidence":0.9980469,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.1400568038225174},{"word":"investments","start":486.48,"end":486.96,"confidence":0.72314453,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1005006656050682},{"word":"and","start":486.96,"end":487.2,"confidence":0.73291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1412581503391266},{"word":"lower","start":487.2,"end":487.52,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.1093842014670372},{"word":"risk","start":487.52,"end":487.76,"confidence":0.90283203,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":0.09818743169307707},{"word":"so","start":487.76,"end":487.92,"confidence":0.81933594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09113812446594238},{"word":"they","start":487.92,"end":488.16,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.11025559902191162},{"word":"are","start":488.16,"end":488.4,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11856552213430405},{"word":"looking","start":488.4,"end":488.72,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.12643533945083618},{"word":"to","start":488.72,"end":488.96,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11927587538957596},{"word":"phase","start":488.96,"end":489.28,"confidence":0.9873047,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.21086463332176208},{"word":"those","start":489.28,"end":489.6,"confidence":0.9951172,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09820980578660964},{"word":"out","start":489.6,"end":490.1,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.042725108563899994},{"word":"over","start":490.16,"end":490.4,"confidence":0.92089844,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1064763218164444},{"word":"the","start":490.4,"end":490.56,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07608480751514435},{"word":"next","start":490.56,"end":490.8,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.05779606103897095},{"word":"couple","start":490.8,"end":491.04,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.06679081171751022},{"word":"of","start":491.04,"end":491.2,"confidence":0.9760742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05468305945396423},{"word":"years","start":491.2,"end":491.44,"confidence":0.92578125,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.07960192859172821},{"word":"so","start":491.44,"end":491.6,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06909899413585663},{"word":"i'll","start":491.6,"end":491.76,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08362887799739838},{"word":"probably","start":491.76,"end":492.16,"confidence":0.99609375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1236744225025177},{"word":"look","start":492.16,"end":492.32,"confidence":0.96972656,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06866112351417542},{"word":"to","start":492.32,"end":492.48,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07452277839183807},{"word":"maybe","start":492.48,"end":492.735,"confidence":0.9111328,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06931212544441223},{"word":"readjust","start":492.81497,"end":493.31497,"confidence":0.9995117,"punctuated_word":"readjust","sentiment":"neutral","sentiment_score":0.029615409672260284},{"word":"a","start":493.85498,"end":494.01498,"confidence":0.671875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04092523455619812},{"word":"few","start":494.01498,"end":494.25497,"confidence":0.8339844,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.042992547154426575},{"word":"other","start":494.25497,"end":494.41498,"confidence":0.9951172,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0339483842253685},{"word":"options","start":494.41498,"end":494.735,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.02404576912522316},{"word":"in","start":494.735,"end":494.895,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.048159606754779816},{"word":"the","start":494.895,"end":495.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058713868260383606},{"word":"portfolio","start":495.055,"end":495.555,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.02789829671382904},{"word":"if","start":495.69498,"end":495.85498,"confidence":0.62402344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05077079683542251},{"word":"you're","start":495.85498,"end":496.09497,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03673853725194931},{"word":"comfortable","start":496.09497,"end":496.59497,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.033133722841739655},{"word":"just","start":497.055,"end":497.375,"confidence":0.48486328,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07527665793895721},{"word":"removing","start":497.375,"end":497.69498,"confidence":0.99902344,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.05427583307027817},{"word":"some","start":497.69498,"end":497.935,"confidence":0.9838867,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.003570012748241425},{"word":"investments","start":497.935,"end":498.435,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.02956770732998848},{"word":"and","start":498.495,"end":498.655,"confidence":0.9506836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02931036800146103},{"word":"maybe","start":498.655,"end":498.97498,"confidence":0.9970703,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.0433889776468277},{"word":"looking","start":498.97498,"end":499.29498,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.03692127764225006},{"word":"at","start":499.29498,"end":499.375,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04463369771838188},{"word":"something","start":499.375,"end":499.69498,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.04231971502304077},{"word":"that's","start":499.69498,"end":499.935,"confidence":0.8828125,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0832027792930603},{"word":"maybe","start":499.935,"end":500.25497,"confidence":0.99121094,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.07796424627304077},{"word":"had","start":500.25497,"end":500.41498,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0879257395863533},{"word":"a","start":500.41498,"end":500.57498,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08386369049549103},{"word":"greater","start":500.57498,"end":500.895,"confidence":0.9951172,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.03514603152871132},{"word":"past","start":500.895,"end":501.215,"confidence":0.9921875,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.14029815793037417},{"word":"performance","start":501.215,"end":501.715,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.15398116409778595},{"word":"and","start":502.01498,"end":502.175,"confidence":0.29785156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.132706880569458},{"word":"give","start":502.175,"end":502.41498,"confidence":0.9716797,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.16557049751281738},{"word":"you","start":502.41498,"end":502.57498,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15206430852413175},{"word":"this","start":502.57498,"end":502.735,"confidence":0.7084961,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1968388706445694},{"word":"you","start":502.81497,"end":502.895,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14435315132141113},{"word":"know","start":502.895,"end":503.395,"confidence":0.96777344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1689254641532898},{"word":"can","start":503.775,"end":504.09497,"confidence":0.96069336,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.21530961990356445},{"word":"you","start":504.09497,"end":504.25497,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15521666407585144},{"word":"know","start":504.25497,"end":504.495,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.17067262530326843},{"word":"provide","start":504.495,"end":504.895,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.2011069506406784},{"word":"greater","start":504.895,"end":505.215,"confidence":0.9838867,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.15695883333683014},{"word":"future","start":505.215,"end":505.53497,"confidence":0.9951172,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.22955536842346191},{"word":"performance","start":505.53497,"end":506.03497,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.3163386285305023},{"word":"and","start":506.09497,"end":506.25497,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27124854922294617},{"word":"sort","start":506.25497,"end":506.41498,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.22770406305789948},{"word":"of","start":506.41498,"end":506.57498,"confidence":0.7753906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2639731764793396},{"word":"help","start":506.57498,"end":506.735,"confidence":0.9980469,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.3197948932647705},{"word":"to","start":506.735,"end":506.81497,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29792600870132446},{"word":"put","start":506.81497,"end":506.97498,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.34174439311027527},{"word":"you","start":506.97498,"end":507.13498,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27132415771484375},{"word":"in","start":507.13498,"end":507.29498,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.39580467343330383},{"word":"a","start":507.29498,"end":507.375,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23303720355033877},{"word":"better","start":507.375,"end":507.615,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.1252811700105667},{"word":"position","start":507.615,"end":508.01498,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.25141793489456177},{"word":"over","start":508.01498,"end":508.29,"confidence":0.96875,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.193815678358078},{"word":"the","start":508.29,"end":508.45,"confidence":0.94970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12994810938835144},{"word":"next","start":508.45,"end":508.61002,"confidence":0.99121094,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.11394743621349336},{"word":"five","start":508.61002,"end":508.77002,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.09705157577991486},{"word":"to","start":508.77002,"end":508.93002,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0722377598285675},{"word":"ten","start":508.93002,"end":509.25,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.08172594010829926},{"word":"years","start":509.25,"end":509.49002,"confidence":0.88134766,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.07235695421695709},{"word":"are","start":509.49002,"end":509.57,"confidence":0.83740234,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.015942364931106567},{"word":"you","start":509.57,"end":509.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016201715916395187},{"word":"comfortable","start":509.73,"end":510.21002,"confidence":0.9970703,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.029525194317102432},{"word":"with","start":510.21002,"end":510.45,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.044531796127557755},{"word":"me","start":510.45,"end":510.61002,"confidence":0.9892578,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04841901361942291},{"word":"updating","start":510.61002,"end":511.09,"confidence":0.99902344,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.06882417947053909},{"word":"everything","start":511.09,"end":511.49002,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06572623550891876},{"word":"and","start":511.49002,"end":511.81,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09469886124134064},{"word":"looking","start":511.81,"end":512.13,"confidence":0.9921875,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.07300196588039398},{"word":"at","start":512.13,"end":512.29004,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10358475893735886},{"word":"it","start":512.29004,"end":512.45,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09007789194583891},{"word":"all","start":512.45,"end":512.85004,"confidence":0.9975586,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.08802304416894913},{"word":"yeah","start":512.85004,"end":513.35004,"confidence":0.72387695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09158496558666228},{"word":"excellent","start":514.69,"end":515.17,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3360983729362488},{"word":"all","start":515.17,"end":515.41003,"confidence":0.7675781,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6071317791938782},{"word":"good","start":515.41003,"end":515.57,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5744597911834717},{"word":"i","start":515.57,"end":515.65,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4394210577011109},{"word":"had","start":515.65,"end":515.81,"confidence":0.9980469,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4609289765357971},{"word":"a","start":515.81,"end":515.89,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4558185636997223},{"word":"really","start":515.89,"end":516.13,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5918800830841064},{"word":"good","start":516.13,"end":516.29004,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4766926169395447},{"word":"look","start":516.29004,"end":516.45,"confidence":0.99902344,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.4234604239463806},{"word":"at","start":516.45,"end":516.53,"confidence":0.9921875,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5229507684707642},{"word":"things","start":516.53,"end":516.77,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.4703744649887085},{"word":"before","start":516.77,"end":517.09,"confidence":1.0,"punctuated_word":"before","sentiment":"positive","sentiment_score":0.528957188129425},{"word":"the","start":517.09,"end":517.17,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4856943190097809},{"word":"call","start":517.17,"end":517.33,"confidence":0.9724121,"punctuated_word":"call,","sentiment":"positive","sentiment_score":0.42124637961387634},{"word":"and","start":517.33,"end":517.49,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3670277297496796},{"word":"i","start":517.49,"end":517.57,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27166345715522766},{"word":"was","start":517.57,"end":517.65,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.28056859970092773},{"word":"like","start":517.65,"end":517.81,"confidence":0.9650879,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.3320733904838562},{"word":"we","start":517.81,"end":517.89,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.33923619985580444},{"word":"can","start":517.89,"end":518.13,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4505000412464142},{"word":"definitely","start":518.13,"end":518.45,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4794921875},{"word":"do","start":518.45,"end":518.61,"confidence":0.9863281,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.38934552669525146},{"word":"some","start":518.61,"end":518.77,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.38192957639694214},{"word":"advice","start":518.77,"end":519.17,"confidence":0.80981445,"punctuated_word":"advice,","sentiment":"positive","sentiment_score":0.4066692590713501},{"word":"but","start":519.17,"end":519.33,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.3288944661617279},{"word":"just","start":519.33,"end":519.57,"confidence":0.96875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3293488025665283},{"word":"wanna","start":519.57,"end":519.81,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3749571442604065},{"word":"make","start":519.81,"end":519.97003,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.29626715183258057},{"word":"sure","start":519.97003,"end":520.21,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.35950350761413574},{"word":"you're","start":520.21,"end":520.37,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3927387595176697},{"word":"comfortable","start":520.37,"end":520.85004,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.3120722472667694},{"word":"with","start":520.85004,"end":521.01,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3540397584438324},{"word":"that","start":521.01,"end":521.25,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3754113018512726},{"word":"as","start":521.25,"end":521.33,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2805732190608978},{"word":"well","start":521.33,"end":521.57,"confidence":0.99658203,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.229915052652359},{"word":"if","start":521.57,"end":521.73,"confidence":0.99121094,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.02190367504954338},{"word":"you","start":521.73,"end":521.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019603868946433067},{"word":"ever","start":521.89,"end":522.21,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.009983651340007782},{"word":"decide","start":522.21,"end":522.61,"confidence":0.99902344,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.08595866709947586},{"word":"you","start":522.61,"end":522.69,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10546668618917464},{"word":"don't","start":522.69,"end":522.93,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.15282033383846283},{"word":"want","start":522.93,"end":523.09,"confidence":0.8095703,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.19897550344467163},{"word":"to","start":523.09,"end":523.33,"confidence":0.8786621,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.2000936269760132},{"word":"you're","start":523.33,"end":523.57,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1915920078754425},{"word":"welcome","start":523.57,"end":523.89,"confidence":0.99609375,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":-0.10802149027585985},{"word":"to","start":523.89,"end":524.025,"confidence":0.93359375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1252496838569641},{"word":"come","start":524.025,"end":524.10504,"confidence":0.95410156,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.17275196313858032},{"word":"back","start":524.10504,"end":524.265,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1419253647327423},{"word":"and","start":524.265,"end":524.42505,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14328183233737946},{"word":"say","start":524.42505,"end":524.505,"confidence":0.91967773,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.17064467072486875},{"word":"no","start":524.505,"end":524.905,"confidence":0.9645996,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.23709912598133087},{"word":"don't","start":524.905,"end":525.145,"confidence":1.0,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.23024539649486545},{"word":"do","start":525.145,"end":525.22504,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.17943264544010162},{"word":"it","start":525.22504,"end":525.625,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1074916124343872},{"word":"okay","start":525.625,"end":526.125,"confidence":0.8754883,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":-0.0013734884560108185},{"word":"excellent","start":527.945,"end":528.445,"confidence":0.9946289,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5671046376228333},{"word":"all","start":528.585,"end":528.825,"confidence":0.99316406,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5712339282035828},{"word":"good","start":528.825,"end":529.325,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.458416223526001},{"word":"now","start":529.465,"end":529.705,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2122832089662552},{"word":"the","start":529.705,"end":529.86505,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09012138843536376},{"word":"other","start":529.86505,"end":530.025,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07895693182945251},{"word":"thing","start":530.025,"end":530.185,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.055488742887973785},{"word":"i","start":530.185,"end":530.34503,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024101506918668747},{"word":"just","start":530.34503,"end":530.585,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03695710748434067},{"word":"wanted","start":530.585,"end":530.825,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.02252829261124134},{"word":"to","start":530.825,"end":530.98505,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024465838447213173},{"word":"sort","start":530.98505,"end":531.22504,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.029640154913067818},{"word":"of","start":531.22504,"end":531.30505,"confidence":0.7519531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03760036826133728},{"word":"chat","start":531.30505,"end":531.54504,"confidence":0.99316406,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.04004773497581482},{"word":"about","start":531.54504,"end":531.78503,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.035561684519052505},{"word":"was","start":531.78503,"end":532.185,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.02363799512386322},{"word":"last","start":532.185,"end":532.42505,"confidence":0.71240234,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.016415417194366455},{"word":"year","start":532.42505,"end":532.585,"confidence":0.72216797,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.03343506157398224},{"word":"we","start":532.585,"end":532.745,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.046477220952510834},{"word":"did","start":532.745,"end":532.905,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07491886615753174},{"word":"provide","start":532.905,"end":533.30505,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.06660503149032593},{"word":"some","start":533.30505,"end":533.465,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04864199832081795},{"word":"updated","start":533.465,"end":533.945,"confidence":0.9941406,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.06919979304075241},{"word":"advice","start":533.945,"end":534.34503,"confidence":0.7080078,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.053313322365283966},{"word":"around","start":534.34503,"end":534.66504,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.043133512139320374},{"word":"the","start":534.66504,"end":534.825,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.048379842191934586},{"word":"insurance","start":534.825,"end":535.325,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.04631968587636947},{"word":"aspect","start":535.385,"end":535.86505,"confidence":0.9980469,"punctuated_word":"aspect","sentiment":"neutral","sentiment_score":0.039000120013952255},{"word":"there","start":535.86505,"end":536.10504,"confidence":0.7219238,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04198572039604187},{"word":"because","start":536.10504,"end":536.505,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.0021016672253608704},{"word":"inside","start":536.505,"end":536.98505,"confidence":0.9970703,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.0000355839729309082},{"word":"your","start":536.98505,"end":537.30505,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.010968590155243874},{"word":"hub","start":537.30505,"end":537.54504,"confidence":0.5263672,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.011200636625289915},{"word":"twenty","start":537.54504,"end":537.945,"confidence":0.9863281,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.007742365822196007},{"word":"four","start":537.945,"end":538.265,"confidence":0.9589844,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.001298520714044571},{"word":"super","start":538.265,"end":538.66504,"confidence":0.6196289,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.005143802613019943},{"word":"fund","start":538.66504,"end":539.16504,"confidence":0.78686523,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.004064679145812988},{"word":"sorry","start":539.44,"end":539.76,"confidence":0.8547363,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.010609235614538193},{"word":"host","start":539.76,"end":540.16003,"confidence":0.4111328,"punctuated_word":"host","sentiment":"neutral","sentiment_score":-0.006641814485192299},{"word":"plus","start":540.16003,"end":540.4,"confidence":0.3786621,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.011917952448129654},{"word":"super","start":540.4,"end":540.72003,"confidence":0.9863281,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.01431179605424404},{"word":"funds","start":540.72003,"end":540.96,"confidence":0.7883301,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.024549508467316628},{"word":"my","start":540.96,"end":541.12006,"confidence":0.99902344,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.11449400335550308},{"word":"apologies","start":541.12006,"end":541.62006,"confidence":0.9863281,"punctuated_word":"apologies.","sentiment":"neutral","sentiment_score":-0.14226755499839783},{"word":"your","start":542.24005,"end":542.74005,"confidence":0.87597656,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.06699611991643906},{"word":"life","start":542.80005,"end":543.04004,"confidence":0.6582031,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.08252562582492828},{"word":"and","start":543.04004,"end":543.28,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06057071685791016},{"word":"tpd","start":543.28,"end":543.78,"confidence":0.677124,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.04797668009996414},{"word":"cover","start":544.08,"end":544.48004,"confidence":0.9506836,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.026562610641121864},{"word":"you're","start":544.48004,"end":544.80005,"confidence":0.9748535,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.016502894461154938},{"word":"currently","start":544.80005,"end":545.2,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.02919954434037209},{"word":"covered","start":545.2,"end":545.52,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.02167471870779991},{"word":"for","start":545.52,"end":545.76,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.011540349572896956},{"word":"based","start":545.76,"end":546.08,"confidence":0.49414062,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.0048959385603666306},{"word":"on","start":546.08,"end":546.24005,"confidence":0.9580078,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0060724131762981415},{"word":"the","start":546.24005,"end":546.32,"confidence":0.9291992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0044816359877586365},{"word":"last","start":546.32,"end":546.56006,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.004307612776756287},{"word":"research","start":546.56006,"end":547.04004,"confidence":0.76953125,"punctuated_word":"research,","sentiment":"neutral","sentiment_score":-0.009642817080020905},{"word":"a","start":547.04004,"end":547.2,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0001657158136367798},{"word":"193,832","start":547.2,"end":550.16003,"confidence":0.9862305,"punctuated_word":"193,832","sentiment":"neutral","sentiment_score":0.008399194106459618},{"word":"of","start":550.16003,"end":550.4,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003211744129657746},{"word":"life","start":550.4,"end":550.56006,"confidence":0.99609375,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.010711699724197388},{"word":"and","start":550.56006,"end":550.80005,"confidence":0.92578125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0011833049356937408},{"word":"total","start":550.80005,"end":551.2,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.0035040751099586487},{"word":"permanent","start":551.2,"end":551.68005,"confidence":0.9951172,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.009930785745382307},{"word":"disability","start":551.68005,"end":552.18005,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.016590330749750137},{"word":"cover","start":552.32,"end":552.82,"confidence":0.99658203,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.014219747856259346},{"word":"i","start":553.295,"end":553.45496,"confidence":0.9243164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0001452192664146423},{"word":"know","start":553.45496,"end":553.615,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0122416689991951},{"word":"in","start":553.615,"end":553.77496,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.010104931890964508},{"word":"the","start":553.77496,"end":553.935,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012269441038370132},{"word":"last","start":553.935,"end":554.33496,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.006687358021736145},{"word":"advice","start":554.33496,"end":554.65497,"confidence":0.9140625,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.018514081835746765},{"word":"document","start":554.65497,"end":555.13495,"confidence":0.9970703,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.015392854809761047},{"word":"last","start":555.13495,"end":555.375,"confidence":0.9873047,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0055062007158994675},{"word":"year","start":555.375,"end":555.535,"confidence":0.9885254,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.0066391099244356155},{"word":"we","start":555.535,"end":555.69495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.003177650272846222},{"word":"were","start":555.69495,"end":556.175,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.0010013654828071594},{"word":"looking","start":556.175,"end":556.57495,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.000829063355922699},{"word":"to","start":556.57495,"end":556.815,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008673004806041718},{"word":"increase","start":556.815,"end":557.315,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.016659323126077652},{"word":"and","start":557.615,"end":557.855,"confidence":0.9194336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011442195624113085},{"word":"get","start":557.855,"end":558.095,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.002883370965719223},{"word":"more","start":558.095,"end":558.495,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0017849579453468325},{"word":"retail","start":558.495,"end":558.975,"confidence":0.9980469,"punctuated_word":"retail","sentiment":"neutral","sentiment_score":-0.01835707202553749},{"word":"cover","start":558.975,"end":559.295,"confidence":0.9970703,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.0012790299952030182},{"word":"for","start":559.295,"end":559.535,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.004616867750883102},{"word":"you","start":559.535,"end":559.77496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002780769020318985},{"word":"and","start":559.77496,"end":560.01495,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0020955726504325867},{"word":"cover","start":560.01495,"end":560.255,"confidence":0.99609375,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.00494302436709404},{"word":"you","start":560.255,"end":560.495,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0029017850756645203},{"word":"for","start":560.495,"end":560.65497,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.006079524755477905},{"word":"about","start":560.65497,"end":560.975,"confidence":0.81152344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.000986788421869278},{"word":"1,100,000","start":560.975,"end":562.095,"confidence":0.99975586,"punctuated_word":"1,100,000","sentiment":"neutral","sentiment_score":0.017039693892002106},{"word":"of","start":562.095,"end":562.255,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0050593093037605286},{"word":"life","start":562.255,"end":562.415,"confidence":0.9770508,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.0008792206645011902},{"word":"and","start":562.415,"end":562.65497,"confidence":0.7451172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0035646073520183563},{"word":"tbd","start":562.65497,"end":563.15497,"confidence":0.9152832,"punctuated_word":"TBD.","sentiment":"neutral","sentiment_score":-0.004183484241366386},{"word":"are","start":563.535,"end":563.69495,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.030381953343749046},{"word":"you","start":563.69495,"end":563.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02512647770345211},{"word":"still","start":563.935,"end":564.255,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.031376052647829056},{"word":"wanting","start":564.255,"end":564.57495,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.027134722098708153},{"word":"to","start":564.57495,"end":564.735,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01588962785899639},{"word":"maybe","start":564.735,"end":565.055,"confidence":0.984375,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.022599875926971436},{"word":"look","start":565.055,"end":565.295,"confidence":0.9863281,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.020605817437171936},{"word":"at","start":565.295,"end":565.535,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04094593971967697},{"word":"re","start":565.535,"end":566.035,"confidence":0.3479004,"punctuated_word":"re","sentiment":"neutral","sentiment_score":-0.022241219878196716},{"word":"adjusting","start":566.33496,"end":566.76,"confidence":0.93847656,"punctuated_word":"adjusting","sentiment":"neutral","sentiment_score":-0.012714967131614683},{"word":"and","start":566.92,"end":567.08,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.029552433639764782},{"word":"looking","start":567.08,"end":567.24,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.022237777709960938},{"word":"at","start":567.24,"end":567.56,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02914174273610115},{"word":"new","start":567.56,"end":567.8,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.03388069570064545},{"word":"cover","start":567.8,"end":568.12,"confidence":0.90771484,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.0211978517472744},{"word":"or","start":568.12,"end":568.28,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04528270661830902},{"word":"are","start":568.28,"end":568.44,"confidence":0.9863281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.048891112208366394},{"word":"you","start":568.44,"end":568.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.043920982629060745},{"word":"happy","start":568.52,"end":568.84,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.026757284998893734},{"word":"with","start":568.84,"end":569.08,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.01600532978773117},{"word":"the","start":569.08,"end":569.24,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013857439160346985},{"word":"amount","start":569.24,"end":569.48,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.005661230534315109},{"word":"of","start":569.48,"end":569.56,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004026290029287338},{"word":"cover","start":569.56,"end":569.88,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.004059594124555588},{"word":"you","start":569.88,"end":570.04004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01499999314546585},{"word":"have","start":570.04004,"end":570.2,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.012402214109897614},{"word":"in","start":570.2,"end":570.44,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.018965501338243484},{"word":"host","start":570.44,"end":570.68,"confidence":0.9038086,"punctuated_word":"host","sentiment":"neutral","sentiment_score":0.0018720030784606936},{"word":"plus","start":570.68,"end":571.0,"confidence":0.87475586,"punctuated_word":"plus?","sentiment":"neutral","sentiment_score":-0.007731757126748562},{"word":"what's","start":571.0,"end":571.24,"confidence":0.99365234,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.009610711596906183},{"word":"your","start":571.24,"end":571.48,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.011366225779056547},{"word":"thought","start":571.48,"end":571.98,"confidence":0.9453125,"punctuated_word":"thought?","sentiment":"neutral","sentiment_score":-0.007581993937492371},{"word":"yep","start":574.76,"end":575.26,"confidence":0.8684082,"punctuated_word":"Yep.","sentiment":"negative","sentiment_score":-0.349351167678833},{"word":"that's","start":576.36,"end":576.76,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07555466145277023},{"word":"okay","start":576.76,"end":577.16003,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.02439642697572708},{"word":"did","start":577.16003,"end":577.4,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.03109174221754074},{"word":"you","start":577.4,"end":577.48,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02569151669740677},{"word":"want","start":577.48,"end":577.72003,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.029094215482473373},{"word":"me","start":577.72003,"end":577.88,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.02207900956273079},{"word":"to","start":577.88,"end":578.04004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01223190501332283},{"word":"maybe","start":578.04004,"end":578.36,"confidence":0.9980469,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.02806323394179344},{"word":"look","start":578.36,"end":578.52,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.020681701600551605},{"word":"at","start":578.52,"end":578.60004,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.026490379124879837},{"word":"whether","start":578.60004,"end":578.92,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.009052302688360214},{"word":"we","start":578.92,"end":579.08,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00900789350271225},{"word":"can","start":579.08,"end":579.32,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.006855808198451996},{"word":"just","start":579.32,"end":579.56,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01728140562772751},{"word":"keep","start":579.56,"end":579.8,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.01894208788871765},{"word":"the","start":579.8,"end":579.96,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0015835016965866089},{"word":"level","start":579.96,"end":580.28,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.014481037855148315},{"word":"of","start":580.28,"end":580.44,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024333875626325607},{"word":"cover","start":580.44,"end":580.76,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.02728697657585144},{"word":"you","start":580.76,"end":580.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014710243791341782},{"word":"have","start":580.92,"end":581.08,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.018492519855499268},{"word":"in","start":581.08,"end":581.24,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02418958768248558},{"word":"host","start":581.24,"end":581.56,"confidence":0.99902344,"punctuated_word":"host","sentiment":"neutral","sentiment_score":-0.03388865664601326},{"word":"plus","start":581.56,"end":581.88,"confidence":0.9980469,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.0005257949233055115},{"word":"and","start":581.88,"end":582.12,"confidence":0.9243164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0033005736768245697},{"word":"maybe","start":582.12,"end":582.555,"confidence":1.0,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.026212111115455627},{"word":"transfer","start":582.795,"end":583.195,"confidence":0.9980469,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.0025512054562568665},{"word":"that","start":583.195,"end":583.515,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012305542826652529},{"word":"into","start":583.515,"end":583.915,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0045456476509571075},{"word":"hub","start":583.915,"end":584.235,"confidence":0.83251953,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":-0.0001831017434597015},{"word":"24","start":584.235,"end":584.795,"confidence":0.9082031,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":-0.012821134179830551},{"word":"so","start":584.795,"end":584.955,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006682217121124268},{"word":"you","start":584.955,"end":585.115,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001021105796098709},{"word":"can","start":585.115,"end":585.435,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0060075633227825165},{"word":"still","start":585.435,"end":585.935,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.016329381614923477},{"word":"move","start":586.875,"end":587.195,"confidence":0.7753906,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.00732867419719696},{"word":"everything","start":587.195,"end":587.435,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.005765929818153381},{"word":"out","start":587.435,"end":587.675,"confidence":0.83447266,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0015278756618499756},{"word":"of","start":587.675,"end":587.755,"confidence":0.9614258,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002866555005311966},{"word":"host","start":587.755,"end":588.075,"confidence":0.9970703,"punctuated_word":"host","sentiment":"neutral","sentiment_score":-0.01778380200266838},{"word":"plus","start":588.075,"end":588.235,"confidence":0.99609375,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.0021731965243816376},{"word":"into","start":588.235,"end":588.475,"confidence":0.93359375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.00474591925740242},{"word":"hub","start":588.475,"end":588.71497,"confidence":0.98828125,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.0006803497672080994},{"word":"24","start":588.71497,"end":589.115,"confidence":1.0,"punctuated_word":"24","sentiment":"neutral","sentiment_score":-0.00137358158826828},{"word":"and","start":589.115,"end":589.27496,"confidence":0.9370117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01298663765192032},{"word":"only","start":589.27496,"end":589.515,"confidence":0.9970703,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.002826102077960968},{"word":"have","start":589.515,"end":589.755,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00889299064874649},{"word":"one","start":589.755,"end":590.075,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.003981150686740875},{"word":"super","start":590.075,"end":590.395,"confidence":0.921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.00522870197892189},{"word":"fund","start":590.395,"end":590.71497,"confidence":0.90625,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.0032591484487056732},{"word":"rather","start":590.71497,"end":590.955,"confidence":0.9980469,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.0026418976485729218},{"word":"than","start":590.955,"end":591.195,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.009331878274679184},{"word":"the","start":591.195,"end":591.435,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.021390490233898163},{"word":"two","start":591.435,"end":591.935,"confidence":0.91552734,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":-0.031015977263450623},{"word":"but","start":592.15497,"end":592.395,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01615167409181595},{"word":"still","start":592.395,"end":592.635,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.04304100200533867},{"word":"just","start":592.635,"end":592.875,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03535427525639534},{"word":"retain","start":592.875,"end":593.27496,"confidence":0.9951172,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":-0.00033736228942871094},{"word":"that","start":593.27496,"end":593.595,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014282308518886566},{"word":"cheap","start":593.595,"end":593.915,"confidence":0.9536133,"punctuated_word":"cheap","sentiment":"neutral","sentiment_score":0.017679661512374878},{"word":"life","start":593.915,"end":594.075,"confidence":0.9448242,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.02011151611804962},{"word":"and","start":594.075,"end":594.315,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02228822559118271},{"word":"tpd","start":594.315,"end":594.815,"confidence":0.78466797,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.019481126219034195},{"word":"cover","start":594.955,"end":595.195,"confidence":0.97802734,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.013083070516586304},{"word":"you","start":595.195,"end":595.38,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011345285922288896},{"word":"have","start":595.38,"end":595.62,"confidence":0.9526367,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.0031200647354125977},{"word":"is","start":595.62,"end":595.78,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.0008710157126188278},{"word":"that","start":595.78,"end":596.18,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02905496582388878},{"word":"preferred","start":596.18,"end":596.68,"confidence":0.9975586,"punctuated_word":"preferred?","sentiment":"neutral","sentiment_score":0.026824379339814183},{"word":"yeah","start":597.78,"end":598.18,"confidence":0.90112305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2134592831134796},{"word":"beautiful","start":598.18,"end":598.68,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.44012272357940674},{"word":"i'm","start":598.9,"end":599.06,"confidence":0.88671875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.26008519530296326},{"word":"just","start":599.06,"end":599.3,"confidence":0.9614258,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24263916909694672},{"word":"i","start":599.38,"end":599.54,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2693104147911072},{"word":"do","start":599.54,"end":599.7,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28743693232536316},{"word":"have","start":599.7,"end":599.86,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23902249336242676},{"word":"your","start":599.86,"end":600.18,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23337113857269287},{"word":"pre","start":600.18,"end":600.42,"confidence":0.984375,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.21336008608341217},{"word":"assessment","start":600.42,"end":600.9,"confidence":0.90771484,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":0.21852390468120575},{"word":"we","start":600.9,"end":601.06,"confidence":0.80371094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20294269919395447},{"word":"did","start":601.06,"end":601.22003,"confidence":0.99609375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.21080639958381653},{"word":"up","start":601.22003,"end":601.46,"confidence":0.8833008,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2109459936618805},{"word":"last","start":601.46,"end":601.7,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.15245357155799866},{"word":"year","start":601.7,"end":602.02,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1819678097963333},{"word":"as","start":602.02,"end":602.18,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.227030947804451},{"word":"well","start":602.18,"end":602.58,"confidence":0.87060547,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.20572584867477417},{"word":"so","start":602.58,"end":602.82,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2005251944065094},{"word":"just","start":602.82,"end":603.3,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2019176185131073},{"word":"kinda","start":603.3,"end":603.54,"confidence":0.93603516,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2033570259809494},{"word":"going","start":603.54,"end":603.94,"confidence":0.9951172,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.21813932061195376},{"word":"through","start":603.94,"end":604.44,"confidence":0.9223633,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.22690224647521973},{"word":"it","start":605.14,"end":605.3,"confidence":0.9951172,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2890505790710449},{"word":"honestly","start":605.3,"end":605.78,"confidence":0.99121094,"punctuated_word":"honestly","sentiment":"positive","sentiment_score":0.35011300444602966},{"word":"looks","start":605.78,"end":606.18,"confidence":0.9970703,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.28564250469207764},{"word":"fine","start":606.18,"end":606.58,"confidence":0.99609375,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.25822606682777405},{"word":"can","start":606.58,"end":606.74,"confidence":0.9980469,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.10239413380622864},{"word":"i","start":606.74,"end":606.9,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1201971471309662},{"word":"just","start":606.9,"end":607.14,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13499227166175842},{"word":"run","start":607.14,"end":607.3,"confidence":0.9892578,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.09031012654304504},{"word":"through","start":607.3,"end":607.54,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07386230677366257},{"word":"these","start":607.54,"end":607.78,"confidence":0.9819336,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.09354870021343233},{"word":"couple","start":607.78,"end":608.1,"confidence":0.97998047,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0770275667309761},{"word":"of","start":608.1,"end":608.415,"confidence":0.7363281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08101850003004074},{"word":"questions","start":608.495,"end":608.735,"confidence":0.8276367,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07972264289855957},{"word":"again","start":608.735,"end":608.975,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.12534132599830627},{"word":"for","start":608.975,"end":609.21497,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11173400282859802},{"word":"you","start":609.21497,"end":609.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1030416190624237},{"word":"just","start":609.375,"end":609.615,"confidence":0.98291016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1391121745109558},{"word":"to","start":609.615,"end":609.77496,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.105142280459404},{"word":"sort","start":609.77496,"end":609.935,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10198494046926498},{"word":"of","start":609.935,"end":610.095,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10800930857658386},{"word":"confirm","start":610.095,"end":610.57495,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.07331353425979614},{"word":"eligibility","start":610.57495,"end":611.07495,"confidence":1.0,"punctuated_word":"eligibility","sentiment":"neutral","sentiment_score":0.12532198429107666},{"word":"just","start":611.295,"end":611.535,"confidence":0.8701172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13237303495407104},{"word":"to","start":611.535,"end":611.615,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09204792976379396},{"word":"make","start":611.615,"end":611.77496,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07474160194396973},{"word":"sure","start":611.77496,"end":611.935,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06452960520982742},{"word":"there's","start":611.935,"end":612.175,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07238351553678513},{"word":"no","start":612.175,"end":612.415,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.03211933374404907},{"word":"changes","start":612.415,"end":612.815,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.0327848419547081},{"word":"there","start":612.815,"end":613.315,"confidence":0.9597168,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.01066860742866993},{"word":"are","start":614.415,"end":614.57495,"confidence":0.6928711,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.05184663459658623},{"word":"you","start":614.57495,"end":614.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04877694323658943},{"word":"currently","start":614.815,"end":615.21497,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.06659406423568726},{"word":"off","start":615.21497,"end":615.45496,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0742119774222374},{"word":"work","start":615.45496,"end":615.615,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.08954845368862152},{"word":"or","start":615.615,"end":615.77496,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12244845181703568},{"word":"unable","start":615.77496,"end":616.255,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.10248350352048874},{"word":"to","start":616.255,"end":616.415,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08452203869819641},{"word":"perform","start":616.415,"end":616.89496,"confidence":1.0,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.09871676564216614},{"word":"your","start":616.89496,"end":617.055,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0872272476553917},{"word":"duties","start":617.055,"end":617.45496,"confidence":1.0,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":-0.0831131637096405},{"word":"on","start":617.45496,"end":617.615,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10003522783517838},{"word":"a","start":617.615,"end":617.695,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.091312974691391},{"word":"normal","start":617.695,"end":618.01495,"confidence":1.0,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.07069265097379684},{"word":"full","start":618.01495,"end":618.255,"confidence":0.9604492,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.09129612892866136},{"word":"time","start":618.255,"end":618.495,"confidence":0.99609375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.062397103756666183},{"word":"basis","start":618.495,"end":618.89496,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":-0.06135636940598488},{"word":"at","start":618.89496,"end":619.055,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1045851856470108},{"word":"all","start":619.055,"end":619.555,"confidence":0.9995117,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.0865967720746994},{"word":"nope","start":619.77496,"end":620.27496,"confidence":0.7648926,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.1070246547460556},{"word":"have","start":620.89496,"end":621.055,"confidence":0.5644531,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.09964575618505478},{"word":"you","start":621.055,"end":621.295,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08602605760097504},{"word":"in","start":621.295,"end":621.45496,"confidence":0.66503906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09905999898910522},{"word":"the","start":621.45496,"end":621.535,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08342719823122025},{"word":"last","start":621.535,"end":621.77496,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.10559286177158356},{"word":"twelve","start":621.77496,"end":622.01495,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.11439920961856842},{"word":"months","start":622.01495,"end":622.33496,"confidence":0.99609375,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.08367171138525009},{"word":"been","start":622.33496,"end":622.5,"confidence":0.9404297,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.09447570890188216},{"word":"absent","start":622.58,"end":622.9,"confidence":0.99121094,"punctuated_word":"absent","sentiment":"neutral","sentiment_score":-0.15470418334007263},{"word":"from","start":622.9,"end":622.98,"confidence":0.9375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.14038880169391632},{"word":"work","start":622.98,"end":623.22,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.1550203114748001},{"word":"or","start":623.22,"end":623.46,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1811211109161377},{"word":"unable","start":623.46,"end":623.94,"confidence":0.99902344,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.1635233461856842},{"word":"to","start":623.94,"end":624.18,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12705467641353607},{"word":"perform","start":624.18,"end":624.58,"confidence":1.0,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.15493178367614746},{"word":"your","start":624.58,"end":624.9,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1214406043291092},{"word":"normal","start":624.9,"end":625.3,"confidence":1.0,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.14099225401878357},{"word":"occupational","start":625.3,"end":625.8,"confidence":0.99609375,"punctuated_word":"occupational","sentiment":"neutral","sentiment_score":-0.14143434166908264},{"word":"duties","start":626.02,"end":626.52,"confidence":0.84399414,"punctuated_word":"duties?","sentiment":"neutral","sentiment_score":-0.11135653406381608},{"word":"no","start":627.86,"end":628.18,"confidence":0.810791,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07387883216142654},{"word":"you","start":628.18,"end":628.34,"confidence":0.93359375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.03963979333639145},{"word":"haven't","start":628.34,"end":628.58,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.046081092208623886},{"word":"been","start":628.58,"end":628.74,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0736306831240654},{"word":"off","start":628.74,"end":628.9,"confidence":0.9941406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.08865366876125336},{"word":"work","start":628.9,"end":629.14,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.09060150384902954},{"word":"for","start":629.14,"end":629.3,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10427513718605042},{"word":"more","start":629.3,"end":629.54,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.14195488393306732},{"word":"than","start":629.54,"end":629.78,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.137315571308136},{"word":"six","start":629.78,"end":630.1,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.07604631781578064},{"word":"days","start":630.1,"end":630.6,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.07744141668081284},{"word":"other","start":631.22,"end":631.46,"confidence":0.8154297,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.17265281081199646},{"word":"than","start":631.46,"end":631.7,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.1703995317220688},{"word":"having","start":631.7,"end":631.94,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.18047590553760529},{"word":"a","start":631.94,"end":632.02,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19570320844650269},{"word":"cold","start":632.02,"end":632.26,"confidence":0.9863281,"punctuated_word":"cold","sentiment":"neutral","sentiment_score":-0.1927356123924255},{"word":"or","start":632.26,"end":632.42,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.22889955341815948},{"word":"flu","start":632.42,"end":632.82,"confidence":0.87646484,"punctuated_word":"flu?","sentiment":"neutral","sentiment_score":-0.15196576714515686},{"word":"no","start":632.82,"end":633.22,"confidence":0.96240234,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15215149521827698},{"word":"all","start":633.22,"end":633.46,"confidence":0.9428711,"punctuated_word":"All","sentiment":"neutral","sentiment_score":-0.003903567790985107},{"word":"good","start":633.46,"end":633.96,"confidence":0.9770508,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.012718074023723602},{"word":"oh","start":635.86,"end":636.18,"confidence":0.9733887,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.4139373302459717},{"word":"fantastic","start":636.18,"end":636.68,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.4546996057033539},{"word":"have","start":637.38,"end":637.62,"confidence":0.99316406,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.08303429186344147},{"word":"you","start":637.62,"end":637.905,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03580798953771591},{"word":"have","start":639.505,"end":639.74506,"confidence":0.5395508,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.020037058740854263},{"word":"you","start":639.74506,"end":639.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01823199912905693},{"word":"ever","start":639.905,"end":640.22504,"confidence":0.99902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.019977711141109467},{"word":"been","start":640.22504,"end":640.465,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.025340940803289413},{"word":"diagnosed","start":640.465,"end":640.86505,"confidence":0.99902344,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.03448113054037094},{"word":"with","start":640.86505,"end":641.10504,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04127936810255051},{"word":"or","start":641.10504,"end":641.265,"confidence":0.5390625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.057710640132427216},{"word":"do","start":641.265,"end":641.42505,"confidence":0.9892578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.031139833852648735},{"word":"you","start":641.42505,"end":641.585,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.033892225474119186},{"word":"suffer","start":641.585,"end":641.905,"confidence":1.0,"punctuated_word":"suffer","sentiment":"neutral","sentiment_score":-0.04511839896440506},{"word":"from","start":641.905,"end":642.065,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.03891265019774437},{"word":"an","start":642.065,"end":642.22504,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04981765896081925},{"word":"illness","start":642.22504,"end":642.625,"confidence":1.0,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.04736940190196037},{"word":"that","start":642.625,"end":642.78503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07105918228626251},{"word":"may","start":642.78503,"end":643.025,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.08206801861524582},{"word":"cause","start":643.025,"end":643.265,"confidence":1.0,"punctuated_word":"cause","sentiment":"neutral","sentiment_score":-0.08630345016717911},{"word":"permanent","start":643.265,"end":643.66504,"confidence":0.9589844,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.08547255396842957},{"word":"inability","start":643.66504,"end":644.16504,"confidence":0.6743164,"punctuated_word":"inability","sentiment":"neutral","sentiment_score":-0.092104010283947},{"word":"to","start":644.78503,"end":644.86505,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11060694605112076},{"word":"go","start":644.86505,"end":645.10504,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.08166241645812988},{"word":"to","start":645.10504,"end":645.265,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06773421913385391},{"word":"work","start":645.265,"end":645.505,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06778004765510559},{"word":"on","start":645.505,"end":645.66504,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07510173320770264},{"word":"a","start":645.66504,"end":645.74506,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05575011670589447},{"word":"normal","start":645.74506,"end":646.065,"confidence":1.0,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.060835689306259155},{"word":"full","start":646.065,"end":646.30505,"confidence":0.94140625,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.07242388278245926},{"word":"time","start":646.30505,"end":646.54504,"confidence":0.9941406,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.07010254263877869},{"word":"basis","start":646.54504,"end":647.04504,"confidence":0.9975586,"punctuated_word":"basis?","sentiment":"neutral","sentiment_score":-0.06856252253055573},{"word":"nope","start":647.10504,"end":647.60504,"confidence":0.9304199,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.0860525369644165},{"word":"have","start":647.825,"end":647.98505,"confidence":0.9770508,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.05056878924369812},{"word":"you","start":647.98505,"end":648.22504,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04685184359550476},{"word":"ever","start":648.22504,"end":648.54504,"confidence":0.99121094,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.041685011237859726},{"word":"had","start":648.54504,"end":648.705,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05225802958011627},{"word":"an","start":648.705,"end":648.86505,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05913228169083595},{"word":"insurance","start":648.86505,"end":649.34503,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.08171280473470688},{"word":"application","start":649.34503,"end":649.84503,"confidence":0.9980469,"punctuated_word":"application","sentiment":"neutral","sentiment_score":-0.0797032043337822},{"word":"for","start":649.905,"end":650.065,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06843650341033936},{"word":"death","start":650.065,"end":650.54504,"confidence":0.967041,"punctuated_word":"death,","sentiment":"neutral","sentiment_score":-0.07559430599212646},{"word":"ppd","start":650.54504,"end":651.04504,"confidence":0.76969403,"punctuated_word":"PPD,","sentiment":"neutral","sentiment_score":-0.08167412877082825},{"word":"total","start":651.34503,"end":651.66504,"confidence":0.96435547,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.09402213990688324},{"word":"permanent","start":651.66504,"end":652.065,"confidence":0.82470703,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.0662015974521637},{"word":"disability","start":652.065,"end":652.565,"confidence":0.9880371,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":-0.06531957536935806},{"word":"income","start":652.625,"end":652.92,"confidence":0.8378906,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.07758954167366028},{"word":"protection","start":653.16,"end":653.66,"confidence":0.94140625,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.0689203143119812},{"word":"sickness","start":654.27997,"end":654.51996,"confidence":0.96118164,"punctuated_word":"sickness,","sentiment":"neutral","sentiment_score":-0.07774857431650162},{"word":"or","start":654.51996,"end":654.68,"confidence":0.83447266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08307135105133057},{"word":"accident","start":654.68,"end":655.16,"confidence":0.99609375,"punctuated_word":"accident","sentiment":"neutral","sentiment_score":-0.08595508337020874},{"word":"refuse","start":655.16,"end":655.66,"confidence":0.8173828,"punctuated_word":"refuse?","sentiment":"neutral","sentiment_score":-0.0739000141620636},{"word":"nope","start":657.24,"end":657.72,"confidence":0.8251953,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.06731362640857697},{"word":"have","start":657.72,"end":657.88,"confidence":0.93847656,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.03897269815206528},{"word":"you","start":657.88,"end":658.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03482150286436081},{"word":"ever","start":658.04,"end":658.27997,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.03200802206993103},{"word":"been","start":658.27997,"end":658.51996,"confidence":0.9970703,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.03351648151874542},{"word":"paid","start":658.51996,"end":658.76,"confidence":0.82958984,"punctuated_word":"paid,","sentiment":"neutral","sentiment_score":-0.043530888855457306},{"word":"or","start":658.76,"end":658.92,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0509016290307045},{"word":"are","start":658.92,"end":659.07996,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04451800882816315},{"word":"you","start":659.07996,"end":659.24,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04315591976046562},{"word":"eligible","start":659.24,"end":659.74,"confidence":0.9970703,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":-0.04705854505300522},{"word":"pay","start":659.8,"end":660.04,"confidence":0.5283203,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.0494379848241806},{"word":"to","start":660.12,"end":660.27997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04915953427553177},{"word":"be","start":660.27997,"end":660.51996,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.046719226986169815},{"word":"paid","start":660.51996,"end":660.76,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.05870366841554642},{"word":"for","start":660.76,"end":661.07996,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05809156596660614},{"word":"any","start":661.07996,"end":661.32,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.05954550579190254},{"word":"type","start":661.32,"end":661.48,"confidence":1.0,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.07555690407752991},{"word":"of","start":661.48,"end":661.63995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06907054781913757},{"word":"claim","start":661.63995,"end":662.04,"confidence":0.97802734,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.04283466935157776},{"word":"that's","start":662.04,"end":662.2,"confidence":0.79785156,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06401065737009048},{"word":"government","start":662.2,"end":662.7,"confidence":0.99902344,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.06759320199489594},{"word":"benefits","start":662.76,"end":663.26,"confidence":0.8913574,"punctuated_word":"benefits,","sentiment":"neutral","sentiment_score":-0.08420437574386597},{"word":"worth","start":663.48,"end":663.72,"confidence":0.6694336,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.10723288357257844},{"word":"of","start":663.72,"end":663.95996,"confidence":0.8496094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08541622757911682},{"word":"compensation","start":663.95996,"end":664.45996,"confidence":0.9421387,"punctuated_word":"compensation,","sentiment":"neutral","sentiment_score":-0.0901121273636818},{"word":"or","start":664.76,"end":665.0,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08123107254505157},{"word":"any","start":665.0,"end":665.24,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.08126101642847061},{"word":"insurance","start":665.24,"end":665.74,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.07320026308298111},{"word":"claim","start":666.2,"end":666.7,"confidence":0.9343262,"punctuated_word":"claim?","sentiment":"neutral","sentiment_score":-0.05827152729034424},{"word":"nope","start":667.48,"end":667.98,"confidence":0.99902344,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.08224865794181824},{"word":"and","start":668.21497,"end":668.455,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.054993681609630585},{"word":"have","start":668.455,"end":668.535,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05540839210152626},{"word":"you","start":668.535,"end":668.77496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06706447154283524},{"word":"ever","start":668.77496,"end":669.015,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.04242410510778427},{"word":"had","start":669.015,"end":669.255,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05298782140016556},{"word":"insurance","start":669.255,"end":669.755,"confidence":0.5444336,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.06992950290441513},{"word":"application","start":669.815,"end":670.315,"confidence":0.9267578,"punctuated_word":"application","sentiment":"neutral","sentiment_score":-0.0666891410946846},{"word":"for","start":670.375,"end":670.615,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07310429960489273},{"word":"death","start":670.615,"end":670.935,"confidence":0.87231445,"punctuated_word":"death,","sentiment":"neutral","sentiment_score":-0.0813131034374237},{"word":"death","start":670.935,"end":671.095,"confidence":0.98291016,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.09074977040290833},{"word":"and","start":671.095,"end":671.255,"confidence":0.6142578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10432372987270357},{"word":"tpd","start":671.255,"end":671.755,"confidence":0.8225911,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":-0.08146915584802628},{"word":"term","start":672.055,"end":672.295,"confidence":0.82470703,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.12383582442998886},{"word":"illness","start":672.295,"end":672.795,"confidence":0.46801758,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.09049178659915924},{"word":"or","start":672.855,"end":672.935,"confidence":0.5097656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1161230057477951},{"word":"income","start":672.935,"end":673.335,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.11661778390407562},{"word":"protection","start":673.335,"end":673.835,"confidence":0.9921875,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.06736226379871368},{"word":"offered","start":674.935,"end":675.335,"confidence":0.5214844,"punctuated_word":"offered","sentiment":"neutral","sentiment_score":-0.09557190537452698},{"word":"on","start":675.335,"end":675.495,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09149543941020966},{"word":"a","start":675.495,"end":675.735,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09572114050388336},{"word":"modified","start":675.735,"end":676.21497,"confidence":1.0,"punctuated_word":"modified","sentiment":"neutral","sentiment_score":-0.0915662944316864},{"word":"or","start":676.21497,"end":676.375,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11300380527973176},{"word":"not","start":676.375,"end":676.615,"confidence":0.9580078,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11143115162849426},{"word":"offered","start":676.695,"end":677.015,"confidence":0.99902344,"punctuated_word":"offered","sentiment":"neutral","sentiment_score":-0.09529563784599304},{"word":"on","start":677.015,"end":677.175,"confidence":0.9301758,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12380525469779968},{"word":"nonstandard","start":677.175,"end":677.675,"confidence":0.9667969,"punctuated_word":"nonstandard","sentiment":"neutral","sentiment_score":-0.10907641053199768},{"word":"terms","start":677.895,"end":678.395,"confidence":0.98046875,"punctuated_word":"terms?","sentiment":"neutral","sentiment_score":-0.07739746570587158},{"word":"nope","start":679.65497,"end":680.055,"confidence":0.78930664,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.003694038838148117},{"word":"perfect","start":680.055,"end":680.535,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.17655974626541138},{"word":"excellent","start":680.535,"end":681.035,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.22573456168174744},{"word":"so","start":681.095,"end":681.415,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10207564383745192},{"word":"based","start":681.415,"end":681.735,"confidence":0.9970703,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.08387845009565353},{"word":"on","start":681.735,"end":681.975,"confidence":0.98828125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1031052991747856},{"word":"this","start":681.975,"end":682.475,"confidence":0.82006836,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.10609783232212068},{"word":"the","start":682.615,"end":682.77496,"confidence":0.6557617,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07954723387956619},{"word":"pre","start":682.77496,"end":683.25,"confidence":0.53515625,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.07904525846242905},{"word":"assessment","start":683.25,"end":683.49,"confidence":0.9819336,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":0.0926242619752884},{"word":"there","start":683.49,"end":683.65,"confidence":0.9484863,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.09296154230833054},{"word":"it","start":683.65,"end":683.73,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.128921777009964},{"word":"looks","start":683.73,"end":684.05,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.1019326001405716},{"word":"like","start":684.05,"end":684.29,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10652828216552734},{"word":"eligibility","start":684.29,"end":684.79,"confidence":0.99902344,"punctuated_word":"eligibility.","sentiment":"neutral","sentiment_score":0.044399529695510864},{"word":"so","start":684.85,"end":685.01,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.043042685836553574},{"word":"what","start":685.01,"end":685.17,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04043762385845184},{"word":"i'll","start":685.17,"end":685.33,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03558559715747833},{"word":"do","start":685.33,"end":685.41,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02171555534005165},{"word":"is","start":685.41,"end":685.57,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.020193014293909073},{"word":"i'll","start":685.57,"end":685.73,"confidence":0.9980469,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.03101241961121559},{"word":"just","start":685.73,"end":685.97,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04050831496715546},{"word":"go","start":685.97,"end":686.13,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.036734238266944885},{"word":"back","start":686.13,"end":686.29,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.040081366896629333},{"word":"and","start":686.29,"end":686.53,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01877698302268982},{"word":"complete","start":686.53,"end":686.93,"confidence":0.99902344,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":0.006140299141407013},{"word":"the","start":686.93,"end":687.17,"confidence":0.95947266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033408813178539276},{"word":"research","start":687.17,"end":687.57,"confidence":0.9970703,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.03423424810171127},{"word":"there","start":687.57,"end":687.89,"confidence":0.98095703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04036808013916016},{"word":"for","start":687.89,"end":688.05,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06062915921211243},{"word":"you","start":688.05,"end":688.55,"confidence":0.9970703,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.02176801487803459},{"word":"i'll","start":689.25,"end":689.49,"confidence":0.8491211,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1015874370932579},{"word":"update","start":689.49,"end":689.89,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09226996451616289},{"word":"the","start":689.89,"end":690.05,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09438756108283997},{"word":"advice","start":690.05,"end":690.45,"confidence":0.9633789,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.084969162940979},{"word":"document","start":690.45,"end":690.93,"confidence":0.7270508,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.08915504813194275},{"word":"to","start":690.93,"end":691.09,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09262441098690032},{"word":"reflect","start":691.09,"end":691.57,"confidence":0.99902344,"punctuated_word":"reflect","sentiment":"neutral","sentiment_score":0.07878869771957397},{"word":"some","start":691.57,"end":691.73,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09308582544326782},{"word":"changes","start":691.73,"end":692.21,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.10607503354549408},{"word":"to","start":692.21,"end":692.37,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1075158268213272},{"word":"your","start":692.37,"end":692.85,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12400411069393158},{"word":"super","start":692.85,"end":693.25,"confidence":0.9291992,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10998813062906264},{"word":"fund","start":693.25,"end":693.75,"confidence":0.89746094,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.1009439378976822},{"word":"with","start":693.97,"end":694.13,"confidence":0.9589844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.136135071516037},{"word":"the","start":694.13,"end":694.29,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15662594139575958},{"word":"recommended","start":694.29,"end":694.79,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.1506267786026001},{"word":"investments","start":694.93,"end":695.41,"confidence":0.82299805,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.1123196855187416},{"word":"look","start":695.41,"end":695.685,"confidence":0.94970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15867888927459717},{"word":"at","start":695.685,"end":695.845,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17435404658317566},{"word":"how","start":695.845,"end":695.925,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.16963538527488708},{"word":"that's","start":695.925,"end":696.425,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.18380896747112271},{"word":"gonna","start":696.805,"end":696.885,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.19561618566513064},{"word":"can","start":697.045,"end":697.285,"confidence":0.4909668,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22131207585334775},{"word":"help","start":697.285,"end":697.525,"confidence":0.9970703,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.22670428454875943},{"word":"you","start":697.525,"end":697.765,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2365313619375229},{"word":"moving","start":697.765,"end":698.085,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2694789469242096},{"word":"forward","start":698.085,"end":698.485,"confidence":0.76000977,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.18992318212985992},{"word":"and","start":698.485,"end":698.645,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09254984557628632},{"word":"let's","start":698.645,"end":698.885,"confidence":0.7171631,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.10275699198246002},{"word":"also","start":698.885,"end":699.205,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07669904083013535},{"word":"look","start":699.205,"end":699.445,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.023140493780374527},{"word":"at","start":699.445,"end":699.605,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05240081250667572},{"word":"maybe","start":699.605,"end":700.105,"confidence":0.98828125,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.049526799470186234},{"word":"moving","start":700.325,"end":700.645,"confidence":0.9614258,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.058285169303417206},{"word":"that","start":700.645,"end":700.885,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04778103157877922},{"word":"cover","start":700.885,"end":701.285,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.035207632929086685},{"word":"over","start":701.285,"end":701.765,"confidence":0.9543457,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.07155434787273407},{"word":"keeping","start":701.765,"end":702.085,"confidence":0.99902344,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.08224817365407944},{"word":"the","start":702.085,"end":702.165,"confidence":0.8354492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07691318541765213},{"word":"life","start":702.165,"end":702.40497,"confidence":0.9707031,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.0686994418501854},{"word":"and","start":702.40497,"end":702.565,"confidence":0.7495117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05844426155090332},{"word":"tpd","start":702.565,"end":703.065,"confidence":0.33880615,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.05745764821767807},{"word":"exactly","start":703.285,"end":703.765,"confidence":0.9980469,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.1284959614276886},{"word":"as","start":703.765,"end":703.925,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14083480834960938},{"word":"it","start":703.925,"end":704.085,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08937864005565643},{"word":"is","start":704.085,"end":704.585,"confidence":0.8491211,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.06759222596883774},{"word":"and","start":704.645,"end":704.885,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05951671674847603},{"word":"just","start":704.885,"end":705.045,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10051295906305312},{"word":"trying","start":705.045,"end":705.285,"confidence":0.94921875,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.14523190259933472},{"word":"to","start":705.285,"end":705.445,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13851000368595123},{"word":"consolidate","start":705.445,"end":705.945,"confidence":1.0,"punctuated_word":"consolidate","sentiment":"neutral","sentiment_score":0.1081312745809555},{"word":"everything","start":706.085,"end":706.40497,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.12091417610645294},{"word":"into","start":706.40497,"end":706.725,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1087077260017395},{"word":"one","start":706.725,"end":706.965,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06122445315122605},{"word":"fund","start":706.965,"end":707.285,"confidence":0.9951172,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.06905786693096161},{"word":"to","start":707.285,"end":707.365,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10285089164972304},{"word":"make","start":707.365,"end":707.525,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14559273421764374},{"word":"it","start":707.525,"end":707.7,"confidence":0.87353516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1552976667881012},{"word":"easier","start":707.78,"end":707.98,"confidence":1.0,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.18155041337013245},{"word":"for","start":707.98,"end":708.18,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15208923816680908},{"word":"you","start":708.18,"end":708.34,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.03907163068652153},{"word":"does","start":708.34,"end":708.66003,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.054166920483112335},{"word":"that","start":708.66003,"end":708.9,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09897826611995696},{"word":"sound","start":708.9,"end":709.14,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.06712799519300461},{"word":"okay","start":709.14,"end":709.64,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.07895131409168243},{"word":"fantastic","start":711.3,"end":711.8,"confidence":0.9890137,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.509253740310669},{"word":"excellent","start":712.18,"end":712.68,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5272306203842163},{"word":"nice","start":712.98004,"end":713.22003,"confidence":1.0,"punctuated_word":"Nice","sentiment":"positive","sentiment_score":0.5701946020126343},{"word":"and","start":713.22003,"end":713.46,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5767638683319092},{"word":"easy","start":713.46,"end":713.96,"confidence":1.0,"punctuated_word":"easy.","sentiment":"positive","sentiment_score":0.5922122597694397},{"word":"now","start":714.5,"end":714.82,"confidence":0.6303711,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.013719774782657623},{"word":"we","start":714.82,"end":714.98004,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0055150240659713745},{"word":"did","start":714.98004,"end":715.3,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.004716876894235611},{"word":"originally","start":715.3,"end":715.8,"confidence":0.9980469,"punctuated_word":"originally","sentiment":"neutral","sentiment_score":-0.01734187826514244},{"word":"also","start":715.86,"end":716.18,"confidence":0.9921875,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.007331144064664841},{"word":"look","start":716.18,"end":716.42,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0097886323928833},{"word":"at","start":716.42,"end":716.74,"confidence":0.9941406,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.015125831589102743},{"word":"like","start":716.74,"end":717.06,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0001362878829240799},{"word":"income","start":717.06,"end":717.46,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.01144113391637802},{"word":"protection","start":717.46,"end":717.96,"confidence":0.99902344,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.0205521322786808},{"word":"you","start":718.10004,"end":718.26,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0446649044752121},{"word":"don't","start":718.26,"end":718.5,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04165678843855858},{"word":"have","start":718.5,"end":718.66003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03500185161828995},{"word":"any","start":718.66003,"end":718.9,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.034834202378988266},{"word":"income","start":718.9,"end":719.3,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.06898581236600876},{"word":"protection","start":719.3,"end":719.7,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.04550167918205261},{"word":"or","start":719.7,"end":719.94,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09259845316410063},{"word":"trauma","start":719.94,"end":720.34,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.07067699730396271},{"word":"covered","start":720.34,"end":720.66003,"confidence":0.8327637,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":-0.03508526086807251},{"word":"do","start":720.66003,"end":720.9,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.010165508836507796},{"word":"you","start":720.9,"end":720.98004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001927390694618225},{"word":"remember","start":720.98004,"end":721.38,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.0017211511731147766},{"word":"going","start":721.38,"end":721.62,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.0140855573117733},{"word":"through","start":721.62,"end":721.94,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.005655109882354736},{"word":"those","start":721.94,"end":722.18,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.01427171379327774},{"word":"with","start":722.18,"end":722.42,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.016552159562706947},{"word":"me","start":722.42,"end":722.58,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.00672474130988121},{"word":"last","start":722.58,"end":722.865,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0035653002560138702},{"word":"year","start":722.865,"end":723.265,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.01036522164940834},{"word":"and","start":723.265,"end":723.425,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005331713706254959},{"word":"chatting","start":723.425,"end":723.825,"confidence":1.0,"punctuated_word":"chatting","sentiment":"neutral","sentiment_score":0.0016897153109312055},{"word":"a","start":723.825,"end":723.985,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004029238596558571},{"word":"bit","start":723.985,"end":724.145,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.00666658952832222},{"word":"more","start":724.145,"end":724.385,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.012889094650745392},{"word":"detail","start":724.385,"end":724.785,"confidence":0.9716797,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":-0.012579694390296936},{"word":"about","start":724.785,"end":725.105,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.01728769764304161},{"word":"them","start":725.105,"end":725.605,"confidence":0.9560547,"punctuated_word":"them?","sentiment":"neutral","sentiment_score":-0.020570596680045128},{"word":"yeah","start":729.58496,"end":729.825,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11485645920038225},{"word":"that's","start":729.825,"end":730.145,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24928101897239685},{"word":"absolutely","start":730.145,"end":730.625,"confidence":0.9951172,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.2814077138900757},{"word":"fine","start":730.625,"end":730.865,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2922705411911011},{"word":"it's","start":730.865,"end":731.02496,"confidence":0.97314453,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.26250603795051575},{"word":"not","start":731.02496,"end":731.185,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.23308619856834412},{"word":"a","start":731.185,"end":731.345,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1832394003868103},{"word":"problem","start":731.345,"end":731.665,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.17298243939876556},{"word":"at","start":731.665,"end":731.825,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.26640585064888},{"word":"all","start":731.825,"end":732.325,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.236739382147789},{"word":"if","start":732.385,"end":732.545,"confidence":0.6269531,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.13957233726978302},{"word":"there","start":732.545,"end":732.705,"confidence":0.87890625,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09245533496141434},{"word":"any","start":732.705,"end":732.865,"confidence":0.60595703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05520098656415939},{"word":"point","start":732.865,"end":733.105,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.014662809669971466},{"word":"you","start":733.105,"end":733.265,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09445787221193314},{"word":"change","start":733.265,"end":733.505,"confidence":0.9580078,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.0018103718757629397},{"word":"your","start":733.505,"end":733.665,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04760143160820007},{"word":"mind","start":733.665,"end":733.90497,"confidence":0.9904785,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.0007532760500907898},{"word":"just","start":733.90497,"end":734.145,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.052696436643600464},{"word":"come","start":734.145,"end":734.225,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.03675153851509094},{"word":"back","start":734.225,"end":734.46497,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03472699970006943},{"word":"and","start":734.46497,"end":734.625,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.032247938215732574},{"word":"let","start":734.625,"end":734.865,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.061780594289302826},{"word":"me","start":734.865,"end":734.945,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09171341359615326},{"word":"know","start":734.945,"end":735.445,"confidence":0.8234863,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.06624752283096313},{"word":"because","start":736.65,"end":736.97003,"confidence":0.2902832,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.029889144003391262},{"word":"income","start":736.97003,"end":737.29004,"confidence":0.8461914,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.034826964139938354},{"word":"protection","start":737.29004,"end":737.77,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.032608091831207275},{"word":"does","start":737.77,"end":738.01,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0795208141207695},{"word":"sort","start":738.01,"end":738.25,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.039958007633686066},{"word":"of","start":738.25,"end":738.33,"confidence":0.5625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.055762238800525665},{"word":"cover","start":738.33,"end":738.57,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.0014972686767578125},{"word":"that","start":738.57,"end":739.07,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05556013435125351},{"word":"a","start":739.13,"end":739.63,"confidence":0.39697266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04530147463083267},{"word":"percentage","start":740.09,"end":740.59,"confidence":0.82128906,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.003611154854297638},{"word":"of","start":740.65,"end":740.89,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008945778012275696},{"word":"your","start":740.89,"end":741.13,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03357505798339844},{"word":"income","start":741.13,"end":741.53,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.051969923079013824},{"word":"if","start":741.53,"end":741.69,"confidence":0.9770508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0237598717212677},{"word":"you're","start":741.69,"end":741.93,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.032859135419130325},{"word":"unable","start":741.93,"end":742.25,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.10892820358276369},{"word":"to","start":742.25,"end":742.33,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06540470570325851},{"word":"go","start":742.33,"end":742.49,"confidence":0.8569336,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.041157811880111694},{"word":"to","start":742.49,"end":742.65,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.014598414301872252},{"word":"work","start":742.65,"end":742.81,"confidence":0.7722168,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.030342940241098404},{"word":"so","start":742.81,"end":743.05,"confidence":0.9741211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03960835188627243},{"word":"not","start":743.05,"end":743.21,"confidence":0.9375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.017112746834754944},{"word":"having","start":743.21,"end":743.53,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.008787669241428375},{"word":"it","start":743.53,"end":743.61,"confidence":0.6849365,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0321110263466835},{"word":"it's","start":743.61,"end":743.77,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07618075609207153},{"word":"just","start":743.77,"end":744.01,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14624574780464172},{"word":"about","start":744.01,"end":744.25,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1002243235707283},{"word":"making","start":744.25,"end":744.49,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.07406876981258392},{"word":"sure","start":744.49,"end":744.73004,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.09897848963737488},{"word":"you've","start":744.73004,"end":744.89,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11526921391487122},{"word":"got","start":744.89,"end":745.05,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07484040409326553},{"word":"something","start":745.05,"end":745.37,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.009662792086601256},{"word":"to","start":745.37,"end":745.53,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06704847514629364},{"word":"fall","start":745.53,"end":745.77,"confidence":1.0,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":0.07852483540773392},{"word":"back","start":745.77,"end":746.01,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.04065413773059845},{"word":"on","start":746.01,"end":746.51,"confidence":1.0,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.012505542486906052},{"word":"do","start":746.81,"end":746.97003,"confidence":0.9633789,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.00199067872017622},{"word":"you","start":746.97003,"end":747.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00038569699972867966},{"word":"have","start":747.13,"end":747.37,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005098236724734306},{"word":"much","start":747.37,"end":747.61,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.00210743211209774},{"word":"in","start":747.61,"end":747.77,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0020269928500056267},{"word":"the","start":747.77,"end":747.85004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.000567619688808918},{"word":"way","start":747.85004,"end":748.09,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.0011234162375330925},{"word":"of","start":748.09,"end":748.17,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0035578301176428795},{"word":"savings","start":748.17,"end":748.67,"confidence":0.85717773,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":-0.0034738858230412006},{"word":"or","start":748.89,"end":749.39,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0031521720811724663},{"word":"how's","start":749.625,"end":749.865,"confidence":0.982666,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":-0.0028076653834432364},{"word":"your","start":749.865,"end":750.345,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07692526280879974},{"word":"expenditure","start":750.345,"end":750.825,"confidence":0.6245117,"punctuated_word":"expenditure","sentiment":"neutral","sentiment_score":-0.04237011075019837},{"word":"look","start":750.825,"end":751.145,"confidence":0.66796875,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06958773732185364},{"word":"like","start":751.145,"end":751.385,"confidence":0.96972656,"punctuated_word":"like?","sentiment":"neutral","sentiment_score":-0.07279060035943985},{"word":"no","start":751.385,"end":751.885,"confidence":0.87939453,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09423999488353728},{"word":"no","start":753.225,"end":753.725,"confidence":0.9121094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0964907556772232},{"word":"it's","start":753.785,"end":754.105,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06194561719894409},{"word":"all","start":754.105,"end":754.345,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.045470766723155975},{"word":"going","start":754.345,"end":754.585,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.052938953042030334},{"word":"on","start":754.585,"end":754.745,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.054092347621917725},{"word":"the","start":754.745,"end":754.905,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07560788840055466},{"word":"mortgage","start":754.905,"end":755.405,"confidence":0.87597656,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":-0.04984612390398979},{"word":"yep","start":757.145,"end":757.465,"confidence":0.92529297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13157273828983307},{"word":"that's","start":757.465,"end":757.865,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2388342320919037},{"word":"okay","start":757.865,"end":758.185,"confidence":0.99121094,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.23199895024299624},{"word":"and","start":758.185,"end":758.345,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14548777043819427},{"word":"you're","start":758.345,"end":758.585,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16221526265144348},{"word":"comfortable","start":758.585,"end":759.085,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.13104689121246338},{"word":"with","start":759.145,"end":759.385,"confidence":0.98095703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17046484351158142},{"word":"just","start":759.385,"end":759.625,"confidence":0.90356445,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.15612539649009705},{"word":"like","start":759.625,"end":759.785,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15267890691757202},{"word":"where","start":759.785,"end":760.025,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.15638646483421326},{"word":"everything","start":760.025,"end":760.425,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.16055713593959808},{"word":"is","start":760.425,"end":760.665,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14310432970523834},{"word":"sitting","start":760.665,"end":760.985,"confidence":0.6804199,"punctuated_word":"sitting?","sentiment":"neutral","sentiment_score":0.16343337297439575},{"word":"just","start":760.985,"end":761.225,"confidence":0.8730469,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.08345311880111694},{"word":"we'll","start":761.305,"end":761.545,"confidence":0.9904785,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1197245642542839},{"word":"focus","start":761.545,"end":761.865,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.09856316447257996},{"word":"on","start":761.865,"end":761.945,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12422406673431396},{"word":"life","start":761.945,"end":762.185,"confidence":0.9941406,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.16119293868541718},{"word":"and","start":762.185,"end":762.265,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15574413537979126},{"word":"tpd","start":762.265,"end":762.665,"confidence":0.6152344,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.16354447603225708},{"word":"and","start":762.665,"end":762.905,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12199646979570387},{"word":"look","start":762.905,"end":763.065,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11654580384492874},{"word":"at","start":763.065,"end":763.145,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11090143769979476},{"word":"income","start":763.145,"end":763.545,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10581211745738985},{"word":"protection","start":763.545,"end":763.98,"confidence":0.9970703,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.06844235956668854},{"word":"and","start":764.06,"end":764.22,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0994386374950409},{"word":"possibly","start":764.22,"end":764.62,"confidence":0.9667969,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.06590897589921951},{"word":"trauma","start":764.62,"end":764.94,"confidence":0.9633789,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.09266532212495804},{"word":"and","start":764.94,"end":765.18,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11338241398334505},{"word":"things","start":765.18,"end":765.42,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10979659855365752},{"word":"like","start":765.42,"end":765.57996,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07816769182682037},{"word":"that","start":765.57996,"end":765.82,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15138766169548035},{"word":"down","start":765.82,"end":765.98,"confidence":0.94921875,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.161343514919281},{"word":"the","start":765.98,"end":766.06,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14902527630329132},{"word":"track","start":766.06,"end":766.38,"confidence":0.9980469,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.10915706306695938},{"word":"for","start":766.38,"end":766.54,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1564190685749054},{"word":"you","start":766.54,"end":767.04,"confidence":0.951416,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13076981902122498},{"word":"yeah","start":768.06,"end":768.45996,"confidence":0.78466797,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.34283047914505005},{"word":"excellent","start":768.45996,"end":768.95996,"confidence":0.98168945,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5502718687057495},{"word":"all","start":769.1,"end":769.33997,"confidence":0.96435547,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5110536217689514},{"word":"good","start":769.33997,"end":769.83997,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3504874110221863},{"word":"income","start":770.3,"end":770.62,"confidence":0.97509766,"punctuated_word":"Income","sentiment":"neutral","sentiment_score":0.1549353301525116},{"word":"wise","start":770.62,"end":770.94,"confidence":0.9902344,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.12791916728019714},{"word":"i","start":770.94,"end":771.01996,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10917770862579346},{"word":"had","start":771.01996,"end":771.26,"confidence":0.9941406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.11193693429231644},{"word":"you","start":771.26,"end":771.42,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06136641651391983},{"word":"on","start":771.42,"end":771.57996,"confidence":0.93408203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.059210531413555145},{"word":"about","start":771.57996,"end":771.82,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07611841708421707},{"word":"a","start":771.82,"end":771.98,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10129406303167345},{"word":"120,000","start":771.98,"end":773.18,"confidence":0.99975586,"punctuated_word":"120,000","sentiment":"neutral","sentiment_score":0.09587068855762482},{"word":"last","start":773.18,"end":773.42,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07059231400489807},{"word":"year","start":773.42,"end":773.66,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.09540575742721558},{"word":"have","start":773.66,"end":773.82,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.03427795320749283},{"word":"you","start":773.82,"end":773.98,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0437057688832283},{"word":"got","start":773.98,"end":774.13995,"confidence":0.99121094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04692031815648079},{"word":"a","start":774.13995,"end":774.3,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049337442964315414},{"word":"pay","start":774.3,"end":774.45996,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.02485448867082596},{"word":"increase","start":774.45996,"end":774.86,"confidence":0.9951172,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.02671670727431774},{"word":"since","start":774.86,"end":775.1,"confidence":0.7475586,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.0325450673699379},{"word":"then","start":775.1,"end":775.33997,"confidence":0.9086914,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0420902818441391},{"word":"at","start":775.33997,"end":775.5,"confidence":0.9716797,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04204944148659706},{"word":"all","start":775.5,"end":776.0,"confidence":0.9995117,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.03175785392522812},{"word":"oh","start":778.22,"end":778.72,"confidence":0.9748535,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.028436819091439247},{"word":"no","start":779.01996,"end":779.445,"confidence":0.9975586,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.07946919649839401},{"word":"okay","start":782.805,"end":783.305,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0054345764219760895},{"word":"well","start":786.325,"end":786.825,"confidence":0.8479004,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.194704070687294},{"word":"yeah","start":786.885,"end":787.125,"confidence":0.9001465,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.3178102374076843},{"word":"you're","start":787.125,"end":787.28503,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4386447072029114},{"word":"definitely","start":787.28503,"end":787.765,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.48251721262931824},{"word":"worth","start":787.765,"end":788.085,"confidence":1.0,"punctuated_word":"worth","sentiment":"positive","sentiment_score":0.3993343710899353},{"word":"it","start":788.085,"end":788.585,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.32817476987838745},{"word":"absolutely","start":790.885,"end":791.385,"confidence":0.9770508,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.41737306118011475},{"word":"beautiful","start":792.52,"end":793.02,"confidence":0.99316406,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5437378287315369},{"word":"and","start":793.72,"end":794.12,"confidence":0.7211914,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2651158571243286},{"word":"you're","start":794.12,"end":794.27997,"confidence":0.9916992,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.21610628068447113},{"word":"not","start":794.27997,"end":794.52,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.16661301255226135},{"word":"salary","start":794.52,"end":795.0,"confidence":0.96533203,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.11981751024723052},{"word":"sacrificing","start":795.0,"end":795.5,"confidence":0.99902344,"punctuated_word":"sacrificing","sentiment":"neutral","sentiment_score":0.03403391316533089},{"word":"or","start":795.56,"end":795.72,"confidence":0.7241211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.049349330365657806},{"word":"not","start":795.72,"end":795.88,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.024186164140701297},{"word":"wanting","start":795.88,"end":796.2,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.01440151035785675},{"word":"to","start":796.2,"end":796.27997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.035413116216659546},{"word":"put","start":796.27997,"end":796.44,"confidence":0.8183594,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.039730556309223175},{"word":"any","start":796.44,"end":796.76,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06328984349966049},{"word":"additional","start":796.76,"end":797.16,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.02893701195716858},{"word":"in","start":797.16,"end":797.32,"confidence":0.45825195,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07808541506528854},{"word":"the","start":797.32,"end":797.4,"confidence":0.8647461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13322900235652924},{"word":"super","start":797.4,"end":797.72,"confidence":0.8203125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.15011729300022125},{"word":"at","start":797.72,"end":797.88,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08184139430522919},{"word":"the","start":797.88,"end":797.96,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12072335183620451},{"word":"moment","start":797.96,"end":798.36,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.1265825629234314},{"word":"over","start":798.36,"end":798.52,"confidence":0.9921875,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.07566200196743011},{"word":"and","start":798.52,"end":798.6,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07518424838781357},{"word":"above","start":798.6,"end":798.92,"confidence":1.0,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.10567739605903624},{"word":"your","start":798.92,"end":799.16,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11122271418571472},{"word":"employer","start":799.16,"end":799.64,"confidence":0.98828125,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.06673707813024521},{"word":"contributions","start":799.64,"end":800.14,"confidence":0.99072266,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.07135163247585297},{"word":"is","start":800.27997,"end":800.44,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.08711555600166321},{"word":"that","start":800.44,"end":800.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0708559900522232},{"word":"right","start":800.68,"end":801.18,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.02971809357404709},{"word":"no","start":803.0,"end":803.32,"confidence":0.7080078,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.124453566968441},{"word":"that's","start":803.32,"end":803.64,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08532844483852386},{"word":"okay","start":803.64,"end":803.96,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.09271862357854845},{"word":"we're","start":803.96,"end":804.2,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.07995938509702682},{"word":"sort","start":804.2,"end":804.44,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07862880080938339},{"word":"of","start":804.44,"end":804.52,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06812259554862976},{"word":"focusing","start":804.52,"end":804.975,"confidence":1.0,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":-0.10418130457401276},{"word":"on","start":804.975,"end":805.13495,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10022395849227904},{"word":"getting","start":805.13495,"end":805.295,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.1275898516178131},{"word":"the","start":805.295,"end":805.45496,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12443209439516068},{"word":"mortgage","start":805.45496,"end":805.855,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.10203398764133452},{"word":"down","start":805.855,"end":806.095,"confidence":0.9194336,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.07003790140151978},{"word":"as","start":806.095,"end":806.255,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09453335404396056},{"word":"fast","start":806.255,"end":806.57495,"confidence":0.9951172,"punctuated_word":"fast","sentiment":"neutral","sentiment_score":-0.07873678207397461},{"word":"as","start":806.57495,"end":806.735,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09994126111268996},{"word":"we","start":806.735,"end":806.815,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09050572663545609},{"word":"can","start":806.815,"end":807.055,"confidence":0.9995117,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":-0.07916886359453201},{"word":"is","start":807.055,"end":807.21497,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.004722481593489647},{"word":"that","start":807.21497,"end":807.45496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01403982937335968},{"word":"sort","start":807.45496,"end":807.615,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.021225430071353912},{"word":"of","start":807.615,"end":807.77496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0116695798933506},{"word":"your","start":807.77496,"end":807.935,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02079940214753151},{"word":"main","start":807.935,"end":808.175,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.026009827852249146},{"word":"goal","start":808.175,"end":808.495,"confidence":0.9921875,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":-0.03068086877465248},{"word":"still","start":808.495,"end":808.995,"confidence":0.99853516,"punctuated_word":"still?","sentiment":"neutral","sentiment_score":-0.024336690083146095},{"word":"yeah","start":810.495,"end":810.89496,"confidence":0.986084,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08613139390945435},{"word":"beautiful","start":810.89496,"end":811.39496,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.16883452236652374},{"word":"mortgage","start":811.855,"end":812.33496,"confidence":0.99609375,"punctuated_word":"Mortgage","sentiment":"neutral","sentiment_score":0.039416536688804626},{"word":"wise","start":812.33496,"end":812.735,"confidence":0.99902344,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.036567285656929016},{"word":"we","start":812.735,"end":812.89496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04280545562505722},{"word":"had","start":812.89496,"end":813.13495,"confidence":0.9873047,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.025918222963809967},{"word":"you","start":813.13495,"end":813.295,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023506997153162956},{"word":"on","start":813.295,"end":813.535,"confidence":0.9301758,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.003610746935009957},{"word":"about","start":813.535,"end":814.035,"confidence":0.984375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.00302109494805336},{"word":"owing","start":814.255,"end":814.57495,"confidence":0.44067383,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.00403308030217886},{"word":"about","start":814.57495,"end":814.815,"confidence":0.7373047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0013959668576717377},{"word":"340,000","start":814.815,"end":816.33496,"confidence":0.99960935,"punctuated_word":"340,000","sentiment":"neutral","sentiment_score":0.000532577745616436},{"word":"last","start":816.33496,"end":816.57495,"confidence":0.99609375,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.017735889181494713},{"word":"year","start":816.57495,"end":816.815,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.007279610261321068},{"word":"have","start":816.815,"end":816.975,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.016149969771504402},{"word":"you","start":816.975,"end":817.13495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013086043298244476},{"word":"reduced","start":817.13495,"end":817.59,"confidence":0.99902344,"punctuated_word":"reduced","sentiment":"neutral","sentiment_score":-0.010352909564971924},{"word":"it","start":819.59,"end":820.09,"confidence":0.8984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0077893901616334915},{"word":"a","start":820.59,"end":821.09,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.026641499251127243},{"word":"bit","start":821.59,"end":822.09,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.015807826071977615},{"word":"since","start":822.59,"end":823.09,"confidence":0.9980469,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.006808610633015633},{"word":"then","start":823.59,"end":824.09,"confidence":1.0,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.002399902790784836},{"word":"yep","start":824.59,"end":825.09,"confidence":0.7414551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.005201452877372503},{"word":"$3.80","start":825.59,"end":826.31,"confidence":0.9770508,"punctuated_word":"$3.80?","sentiment":"neutral","sentiment_score":0.0060932389460504055},{"word":"yep","start":826.31,"end":826.79004,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05414166301488876},{"word":"beautiful","start":826.79004,"end":827.29004,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.28272441029548645},{"word":"all","start":827.43005,"end":827.59,"confidence":0.90283203,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.3087940812110901},{"word":"good","start":827.59,"end":828.09,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.22781620919704437},{"word":"and","start":828.55005,"end":828.79004,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05196985974907875},{"word":"the","start":828.79004,"end":828.87006,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031175702810287476},{"word":"property","start":828.87006,"end":829.35004,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.05386609211564064},{"word":"we","start":829.35004,"end":829.51,"confidence":0.8339844,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02254568040370941},{"word":"had","start":829.51,"end":829.75,"confidence":0.7944336,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.005710572004318237},{"word":"valued","start":829.75,"end":830.175,"confidence":0.9941406,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":0.030346311628818512},{"word":"at","start":830.255,"end":830.415,"confidence":0.87890625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02617829293012619},{"word":"700,000","start":830.415,"end":831.375,"confidence":1.0,"punctuated_word":"700,000","sentiment":"neutral","sentiment_score":0.023556645959615707},{"word":"with","start":831.375,"end":831.615,"confidence":0.68896484,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01920270547270775},{"word":"having","start":831.615,"end":831.855,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.032925672829151154},{"word":"that","start":831.855,"end":832.015,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02014388144016266},{"word":"old","start":832.015,"end":832.33496,"confidence":0.62353516,"punctuated_word":"old,","sentiment":"neutral","sentiment_score":0.004498610273003578},{"word":"and","start":832.33496,"end":832.415,"confidence":0.81933594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017071891576051712},{"word":"you","start":832.415,"end":832.495,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023612145334482193},{"word":"woulda","start":832.495,"end":832.815,"confidence":0.7215576,"punctuated_word":"woulda","sentiment":"neutral","sentiment_score":0.025940287858247757},{"word":"had","start":832.815,"end":832.89496,"confidence":0.9863281,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.02394472435116768},{"word":"it","start":832.89496,"end":833.135,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.025701656937599186},{"word":"revalued","start":833.135,"end":833.635,"confidence":0.97875977,"punctuated_word":"revalued","sentiment":"neutral","sentiment_score":0.03006053902208805},{"word":"again","start":833.935,"end":834.255,"confidence":0.8496094,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.02815290540456772},{"word":"what","start":834.255,"end":834.495,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.006433127447962761},{"word":"sort","start":834.495,"end":834.735,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0025555863976478577},{"word":"of","start":834.735,"end":834.815,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00016767531633377075},{"word":"value","start":834.815,"end":835.135,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.003013256937265396},{"word":"did","start":835.135,"end":835.295,"confidence":0.59277344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.0004182569682598114},{"word":"they","start":835.295,"end":835.455,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.008959565311670303},{"word":"put","start":835.455,"end":835.695,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.010482776910066605},{"word":"on","start":835.695,"end":835.855,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.008992129936814308},{"word":"it","start":835.855,"end":836.355,"confidence":1.0,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.009633427485823631},{"word":"oh","start":839.055,"end":839.375,"confidence":0.7492676,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2389218509197235},{"word":"fantastic","start":839.375,"end":839.875,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.3613937497138977},{"word":"excellent","start":840.415,"end":840.915,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.3039325475692749},{"word":"i've","start":842.175,"end":842.415,"confidence":0.9433594,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14590811729431152},{"word":"also","start":842.415,"end":842.65497,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1323673576116562},{"word":"got","start":842.65497,"end":842.815,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14523330330848694},{"word":"your","start":842.815,"end":843.055,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10695242881774902},{"word":"motor","start":843.055,"end":843.375,"confidence":0.99609375,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.09142246842384338},{"word":"vehicle","start":843.375,"end":843.77496,"confidence":1.0,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.08701960742473602},{"word":"down","start":843.77496,"end":844.095,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09841778874397278},{"word":"here","start":844.095,"end":844.415,"confidence":0.8288574,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.10678230226039886},{"word":"a","start":844.415,"end":844.495,"confidence":0.7714844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08528310060501099},{"word":"value","start":844.495,"end":844.815,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.0895019918680191},{"word":"of","start":844.815,"end":844.975,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07653846591711044},{"word":"about","start":844.975,"end":845.22,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08769428730010986},{"word":"17,000","start":845.45996,"end":846.43994,"confidence":0.9995117,"punctuated_word":"17,000.","sentiment":"neutral","sentiment_score":0.08324247598648071},{"word":"what","start":846.57996,"end":846.81995,"confidence":0.9941406,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0335179939866066},{"word":"sort","start":846.81995,"end":846.98,"confidence":0.7753906,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02552923373878002},{"word":"of","start":846.98,"end":847.06,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023672029376029968},{"word":"value","start":847.06,"end":847.37994,"confidence":0.9941406,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.018337955698370937},{"word":"would","start":847.37994,"end":847.62,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.01345261000096798},{"word":"you","start":847.62,"end":847.69995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022847086191177368},{"word":"put","start":847.69995,"end":847.86,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.020279813557863235},{"word":"on","start":847.86,"end":848.01996,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02670052833855152},{"word":"your","start":848.01996,"end":848.18,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.030364252626895905},{"word":"car","start":848.18,"end":848.5,"confidence":0.9980469,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.03881945088505745},{"word":"currently","start":848.5,"end":849.0,"confidence":0.9946289,"punctuated_word":"currently?","sentiment":"neutral","sentiment_score":0.02620398625731468},{"word":"10","start":853.77997,"end":854.1,"confidence":0.76708984,"punctuated_word":"10?","sentiment":"neutral","sentiment_score":0.01776077412068844},{"word":"yeah","start":854.1,"end":854.33997,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07263541221618652},{"word":"beautiful","start":854.33997,"end":854.66,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.1997280716896057},{"word":"what","start":854.66,"end":854.81995,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.04752499610185623},{"word":"kind","start":854.81995,"end":854.98,"confidence":0.9658203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0438508540391922},{"word":"of","start":854.98,"end":855.06,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05506375804543495},{"word":"vehicle","start":855.06,"end":855.37994,"confidence":1.0,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.08123228698968887},{"word":"is","start":855.37994,"end":855.54,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07244809716939926},{"word":"it","start":855.54,"end":856.04,"confidence":0.9904785,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.05467552691698074},{"word":"yeah","start":857.77997,"end":858.1,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13916520774364471},{"word":"perfect","start":858.1,"end":858.6,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.38302159309387207},{"word":"they","start":858.74,"end":858.89996,"confidence":0.98291016,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.21266451478004456},{"word":"hold","start":858.89996,"end":859.13995,"confidence":0.984375,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.28323087096214294},{"word":"their","start":859.13995,"end":859.3,"confidence":0.88671875,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.19291287660598755},{"word":"value","start":859.3,"end":859.69995,"confidence":0.99902344,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.2563740015029907},{"word":"pretty","start":859.69995,"end":859.93994,"confidence":0.9902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3043961524963379},{"word":"well","start":859.93994,"end":860.18,"confidence":0.9416504,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2852969765663147},{"word":"those","start":860.18,"end":860.33997,"confidence":0.91748047,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2998633086681366},{"word":"things","start":860.33997,"end":860.83997,"confidence":0.9538574,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.20019382238388064},{"word":"everyone","start":860.945,"end":861.105,"confidence":0.56689453,"punctuated_word":"Everyone","sentiment":"neutral","sentiment_score":0.07094980031251907},{"word":"still","start":861.105,"end":861.265,"confidence":0.9716797,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0767008364200592},{"word":"wants","start":861.265,"end":861.505,"confidence":0.9902344,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.10440556704998016},{"word":"a","start":861.505,"end":861.745,"confidence":0.93115234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12936142086982727},{"word":"rav","start":861.745,"end":861.985,"confidence":0.9946289,"punctuated_word":"RAV","sentiment":"neutral","sentiment_score":0.1251678764820099},{"word":"four","start":861.985,"end":862.485,"confidence":0.99316406,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.12511104345321655},{"word":"we","start":863.745,"end":863.985,"confidence":0.7993164,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.03164335712790489},{"word":"had","start":863.985,"end":864.225,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.01864696480333805},{"word":"a","start":864.225,"end":864.385,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.033507391810417175},{"word":"loan","start":864.385,"end":864.705,"confidence":0.9970703,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.034308530390262604},{"word":"of","start":864.705,"end":864.945,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012930132448673248},{"word":"about","start":864.945,"end":865.265,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.006966669112443924},{"word":"3,000","start":865.265,"end":865.985,"confidence":0.9980469,"punctuated_word":"3,000.","sentiment":"neutral","sentiment_score":0.011608636006712914},{"word":"have","start":865.985,"end":866.225,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.000414067879319191},{"word":"you","start":866.225,"end":866.46497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0020901765674352646},{"word":"refinanced","start":866.46497,"end":866.96497,"confidence":0.99609375,"punctuated_word":"refinanced","sentiment":"neutral","sentiment_score":0.002620926825329662},{"word":"that","start":867.105,"end":867.425,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0015276558697223663},{"word":"or","start":867.425,"end":867.745,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.012623637914657593},{"word":"managed","start":867.745,"end":868.065,"confidence":0.96240234,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.0094510056078434},{"word":"to","start":868.065,"end":868.145,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05859686806797981},{"word":"pay","start":868.145,"end":868.305,"confidence":0.9013672,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.08396247774362564},{"word":"it","start":868.305,"end":868.385,"confidence":0.9716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06166451424360275},{"word":"off","start":868.385,"end":868.885,"confidence":0.99902344,"punctuated_word":"off?","sentiment":"neutral","sentiment_score":-0.0590924471616745},{"word":"gone","start":869.345,"end":869.825,"confidence":0.67163086,"punctuated_word":"Gone?","sentiment":"neutral","sentiment_score":-0.11985163390636444},{"word":"yes","start":869.825,"end":870.325,"confidence":0.38674927,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.02963297814130783},{"word":"fantastic","start":871.185,"end":871.685,"confidence":0.9890137,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4776457250118256},{"word":"sorry","start":873.265,"end":873.58496,"confidence":0.90527344,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.035538606345653534},{"word":"any","start":873.58496,"end":873.825,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.00724242627620697},{"word":"other","start":873.825,"end":874.065,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.015541866421699524},{"word":"cars","start":874.065,"end":874.385,"confidence":0.99609375,"punctuated_word":"cars,","sentiment":"neutral","sentiment_score":0.03819748014211655},{"word":"boats","start":874.385,"end":874.705,"confidence":0.97094727,"punctuated_word":"boats,","sentiment":"neutral","sentiment_score":-0.00008041225373744965},{"word":"or","start":874.705,"end":874.865,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02564341202378273},{"word":"caravans","start":874.865,"end":875.365,"confidence":0.99869794,"punctuated_word":"caravans","sentiment":"neutral","sentiment_score":0.049439556896686554},{"word":"that","start":875.505,"end":875.665,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021087706089019775},{"word":"you'd","start":875.665,"end":875.97,"confidence":0.9909668,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.046261757612228394},{"word":"note","start":875.97,"end":876.20996,"confidence":0.98828125,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.03977277502417565},{"word":"down","start":876.20996,"end":876.44995,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09088747203350069},{"word":"with","start":876.44995,"end":876.61,"confidence":0.98535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02398010715842247},{"word":"value","start":876.61,"end":877.11,"confidence":0.9970703,"punctuated_word":"value?","sentiment":"neutral","sentiment_score":0.04101848602294922},{"word":"no","start":878.93,"end":879.32996,"confidence":0.61328125,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0503557026386261},{"word":"that's","start":879.32996,"end":879.64996,"confidence":0.9926758,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0005414126208052039},{"word":"okay","start":879.64996,"end":880.14996,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.004597805440425873},{"word":"any","start":880.52997,"end":880.85,"confidence":0.9716797,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.01364264264702797},{"word":"collections","start":880.85,"end":881.35,"confidence":1.0,"punctuated_word":"collections","sentiment":"neutral","sentiment_score":0.02304166369140148},{"word":"or","start":881.49,"end":881.64996,"confidence":0.9267578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.018092714250087735},{"word":"tools","start":881.64996,"end":881.97,"confidence":0.9873047,"punctuated_word":"tools","sentiment":"neutral","sentiment_score":0.01977558061480522},{"word":"of","start":881.97,"end":882.12994,"confidence":0.8984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016714604571461678},{"word":"trade","start":882.12994,"end":882.52997,"confidence":1.0,"punctuated_word":"trade","sentiment":"neutral","sentiment_score":0.026580309495329857},{"word":"or","start":882.52997,"end":882.85,"confidence":0.9819336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01909414678812027},{"word":"shares","start":882.85,"end":883.08997,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.019986592233181},{"word":"or","start":883.08997,"end":883.41,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.006273012608289719},{"word":"cryptocurrency","start":883.41,"end":883.91,"confidence":0.984375,"punctuated_word":"cryptocurrency","sentiment":"neutral","sentiment_score":0.011145565658807756},{"word":"that","start":884.20996,"end":884.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01827860064804554},{"word":"you","start":884.37,"end":884.52997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0002477802336215973},{"word":"have","start":884.52997,"end":884.85,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.012996915727853777},{"word":"as","start":884.85,"end":885.00995,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.011588521301746368},{"word":"well","start":885.00995,"end":885.50995,"confidence":0.9970703,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":-0.012195132672786713},{"word":"no","start":886.93,"end":887.43,"confidence":0.81347656,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08909480273723602},{"word":"that's","start":887.88995,"end":888.37,"confidence":0.9812012,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.018226532265543938},{"word":"okay","start":888.37,"end":888.87,"confidence":0.9946289,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06925157457590103},{"word":"all","start":888.93,"end":889.17,"confidence":0.9892578,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3411328196525574},{"word":"good","start":889.17,"end":889.67,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2675917446613312},{"word":"i've","start":891.22504,"end":891.465,"confidence":0.9848633,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.020967353135347366},{"word":"got","start":891.465,"end":891.78503,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.031946830451488495},{"word":"down","start":891.78503,"end":892.025,"confidence":0.9770508,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.012306302785873411},{"word":"here","start":892.025,"end":892.525,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.012232862412929537},{"word":"estate","start":892.585,"end":892.98505,"confidence":0.8154297,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.011363811790943146},{"word":"planning","start":892.98505,"end":893.465,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.02783713862299919},{"word":"side","start":893.465,"end":893.705,"confidence":0.84472656,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.01697457581758499},{"word":"of","start":893.705,"end":893.86505,"confidence":0.94384766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00998545065522194},{"word":"things","start":893.86505,"end":894.10504,"confidence":0.99316406,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.010587472468614578},{"word":"i","start":894.10504,"end":894.265,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01774081215262413},{"word":"had","start":894.265,"end":894.42505,"confidence":0.88964844,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.017065618187189102},{"word":"it","start":894.42505,"end":894.505,"confidence":0.9116211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.015259895473718643},{"word":"noted","start":894.505,"end":894.905,"confidence":0.9941406,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":-0.03450421243906021},{"word":"that","start":894.905,"end":894.98505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0303165502846241},{"word":"you","start":894.98505,"end":895.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03746800124645233},{"word":"guys","start":895.145,"end":895.385,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.05235287547111511},{"word":"didn't","start":895.385,"end":895.705,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.04957872256636619},{"word":"have","start":895.705,"end":895.945,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0518575944006443},{"word":"a","start":895.945,"end":896.10504,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06000365316867829},{"word":"will","start":896.10504,"end":896.34503,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.101620614528656},{"word":"or","start":896.34503,"end":896.505,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11976587772369383},{"word":"power","start":896.505,"end":896.745,"confidence":0.9921875,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.0716203898191452},{"word":"of","start":896.745,"end":896.905,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06485322117805481},{"word":"attorney","start":896.905,"end":897.385,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.06525753438472748},{"word":"done","start":897.385,"end":897.54504,"confidence":0.9086914,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.07594157755374908},{"word":"up","start":897.54504,"end":897.705,"confidence":0.9885254,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.07828234881162643},{"word":"is","start":897.705,"end":897.86505,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.0387827567756176},{"word":"that","start":897.86505,"end":898.025,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.027964752167463303},{"word":"something","start":898.025,"end":898.34503,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.027570294216275215},{"word":"you've","start":898.34503,"end":898.745,"confidence":0.9758301,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.033719222992658615},{"word":"discussed","start":898.745,"end":899.245,"confidence":0.9980469,"punctuated_word":"discussed","sentiment":"neutral","sentiment_score":-0.026306327432394028},{"word":"or","start":899.465,"end":899.86505,"confidence":0.9536133,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06449181586503983},{"word":"looked","start":899.86505,"end":900.185,"confidence":0.9951172,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.04271695390343666},{"word":"at","start":900.185,"end":900.34503,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05787858366966248},{"word":"doing","start":900.34503,"end":900.745,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.05502304807305336},{"word":"or","start":900.745,"end":901.065,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05612026900053024},{"word":"spoken","start":901.065,"end":901.385,"confidence":0.9921875,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":-0.07477085292339325},{"word":"to","start":901.385,"end":901.54504,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06923070549964905},{"word":"a","start":901.54504,"end":901.705,"confidence":0.87597656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05698894336819649},{"word":"solicitor","start":901.705,"end":902.10504,"confidence":1.0,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":-0.03339070454239845},{"word":"about","start":902.10504,"end":902.52,"confidence":0.9104004,"punctuated_word":"about?","sentiment":"neutral","sentiment_score":-0.03739596903324127},{"word":"no","start":909.88,"end":910.04004,"confidence":0.9951172,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07350940257310867},{"word":"that's","start":910.04004,"end":910.52,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.01846211776137352},{"word":"okay","start":910.52,"end":911.02,"confidence":0.99560547,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.11821378767490388},{"word":"all","start":911.16003,"end":911.4,"confidence":0.9902344,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3512098789215088},{"word":"good","start":911.4,"end":911.80005,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.33372461795806885},{"word":"and","start":911.80005,"end":911.96,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1240500658750534},{"word":"with","start":911.96,"end":912.12,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14694175124168396},{"word":"your","start":912.12,"end":912.44,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14662334322929382},{"word":"beneficiary","start":912.44,"end":912.94,"confidence":0.9980469,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.2433529496192932},{"word":"nominations","start":913.08,"end":913.58,"confidence":0.986084,"punctuated_word":"nominations,","sentiment":"neutral","sentiment_score":0.14509737491607666},{"word":"i","start":913.72003,"end":913.80005,"confidence":0.94140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13900797069072723},{"word":"have","start":913.80005,"end":914.04004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13071364164352417},{"word":"it","start":914.04004,"end":914.2,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12140984833240508},{"word":"down","start":914.2,"end":914.44,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1264832615852356},{"word":"here","start":914.44,"end":914.94,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.10720869153738022},{"word":"that","start":915.08,"end":915.24,"confidence":0.7207031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1025589480996132},{"word":"you","start":915.24,"end":915.4,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09628762304782867},{"word":"want","start":915.4,"end":915.64,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.08958296477794647},{"word":"your","start":915.64,"end":915.88,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09237350523471832},{"word":"life","start":915.88,"end":916.12,"confidence":0.9819336,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.0962592288851738},{"word":"cover","start":916.12,"end":916.44,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.16309846937656405},{"word":"and","start":916.44,"end":916.68,"confidence":0.91748047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09776487946510316},{"word":"your","start":916.68,"end":916.92004,"confidence":0.78125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09491457790136336},{"word":"super","start":916.92004,"end":917.4,"confidence":0.96875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17446206510066986},{"word":"paid","start":917.4,"end":917.56,"confidence":0.7714844,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.18254354596138},{"word":"out","start":917.56,"end":917.64,"confidence":0.84765625,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1991439312696457},{"word":"to","start":917.64,"end":917.955,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15939703583717346},{"word":"katrina","start":918.115,"end":918.435,"confidence":0.9980469,"punctuated_word":"Katrina","sentiment":"neutral","sentiment_score":0.1383829116821289},{"word":"in","start":918.435,"end":918.59503,"confidence":0.9243164,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13429462909698486},{"word":"the","start":918.59503,"end":918.675,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12597203254699707},{"word":"event","start":918.675,"end":918.995,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.11475803703069688},{"word":"that","start":918.995,"end":919.155,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1127513200044632},{"word":"anything","start":919.155,"end":919.635,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1159556657075882},{"word":"happens","start":919.635,"end":920.135,"confidence":0.94384766,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":0.06867800652980804},{"word":"it's","start":920.59503,"end":920.91504,"confidence":0.92993164,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10353785008192062},{"word":"a","start":920.91504,"end":921.075,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11074940860271454},{"word":"100%","start":921.075,"end":921.635,"confidence":1.0,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.12022945284843443},{"word":"paid","start":921.635,"end":921.955,"confidence":0.98535156,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.14193928241729736},{"word":"to","start":921.955,"end":922.03503,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13428927958011627},{"word":"her","start":922.03503,"end":922.195,"confidence":0.8605957,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":0.09775611013174056},{"word":"that's","start":922.195,"end":922.515,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1825230568647385},{"word":"still","start":922.515,"end":922.835,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.16437900066375732},{"word":"valid","start":922.835,"end":923.155,"confidence":1.0,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.20894542336463928},{"word":"and","start":923.155,"end":923.315,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20919105410575867},{"word":"correct","start":923.315,"end":923.815,"confidence":0.95043945,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.1866558939218521},{"word":"yep","start":925.47504,"end":925.79504,"confidence":0.9343262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24097463488578796},{"word":"beautiful","start":925.79504,"end":926.275,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5078715085983276},{"word":"now","start":926.275,"end":926.435,"confidence":0.99121094,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2452925890684128},{"word":"the","start":926.435,"end":926.59503,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19856895506381989},{"word":"type","start":926.59503,"end":926.835,"confidence":0.8959961,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.16949667036533356},{"word":"of","start":926.835,"end":927.075,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19226008653640747},{"word":"nomination","start":927.075,"end":927.555,"confidence":0.9316406,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.23847874999046328},{"word":"that","start":927.555,"end":927.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19231626391410828},{"word":"you","start":927.715,"end":927.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16593801975250244},{"word":"do","start":927.875,"end":928.03503,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1386479139328003},{"word":"have","start":928.03503,"end":928.275,"confidence":0.9885254,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.1540783792734146},{"word":"i'm","start":928.275,"end":928.35504,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15863913297653198},{"word":"pretty","start":928.35504,"end":928.59503,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1701001524925232},{"word":"sure","start":928.59503,"end":928.835,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.11906823515892027},{"word":"we","start":928.835,"end":929.075,"confidence":0.9667969,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15529252588748932},{"word":"attached","start":929.075,"end":929.47504,"confidence":0.515625,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.12140640616416933},{"word":"it","start":929.47504,"end":929.635,"confidence":0.38256836,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13152259588241577},{"word":"last","start":929.635,"end":929.875,"confidence":0.82470703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08829301595687866},{"word":"year","start":929.875,"end":930.115,"confidence":0.9577637,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.13281598687171936},{"word":"you","start":930.115,"end":930.195,"confidence":0.95947266,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.13408958911895752},{"word":"do","start":930.195,"end":930.35504,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13416297733783722},{"word":"have","start":930.35504,"end":930.515,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16273607313632965},{"word":"it","start":930.515,"end":930.755,"confidence":0.97802734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16843479871749878},{"word":"as","start":930.755,"end":930.91504,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14780551195144653},{"word":"a","start":930.91504,"end":931.075,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17287766933441162},{"word":"binding","start":931.075,"end":931.575,"confidence":0.99902344,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.17787058651447296},{"word":"nomination","start":931.86,"end":932.33997,"confidence":0.6574707,"punctuated_word":"nomination,","sentiment":"neutral","sentiment_score":0.1219964325428009},{"word":"so","start":932.33997,"end":932.58,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1315843015909195},{"word":"it","start":932.58,"end":932.74,"confidence":0.97314453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14569607377052307},{"word":"does","start":932.74,"end":932.98,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.12289797514677048},{"word":"mean","start":932.98,"end":933.14,"confidence":0.99902344,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.11882242560386658},{"word":"that","start":933.14,"end":933.3,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12394443899393082},{"word":"we","start":933.3,"end":933.46,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10934333503246307},{"word":"have","start":933.46,"end":933.62,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13593950867652893},{"word":"to","start":933.62,"end":933.7,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13706421852111816},{"word":"review","start":933.7,"end":934.1,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.14386042952537537},{"word":"that","start":934.1,"end":934.6,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17238028347492218},{"word":"and","start":934.82,"end":934.98,"confidence":0.8647461,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1114218533039093},{"word":"have","start":934.98,"end":935.14,"confidence":0.97998047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1613558530807495},{"word":"it","start":935.14,"end":935.3,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17644555866718292},{"word":"updated","start":935.3,"end":935.77997,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.148469477891922},{"word":"and","start":935.77997,"end":936.02,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1526101529598236},{"word":"refilled","start":936.02,"end":936.5,"confidence":0.94433594,"punctuated_word":"refilled","sentiment":"neutral","sentiment_score":0.17676997184753418},{"word":"out","start":936.5,"end":936.74,"confidence":0.8071289,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.20937976241111755},{"word":"every","start":936.74,"end":936.98,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.10235515236854552},{"word":"three","start":936.98,"end":937.3,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.0704958438873291},{"word":"years","start":937.3,"end":937.8,"confidence":0.9995117,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.10871009528636932},{"word":"the","start":938.02,"end":938.18,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09678132832050323},{"word":"next","start":938.18,"end":938.42,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07086886465549469},{"word":"time","start":938.42,"end":938.74,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07813279330730438},{"word":"it's","start":938.74,"end":938.98,"confidence":0.984375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07402221858501434},{"word":"due","start":938.98,"end":939.22,"confidence":0.9970703,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.061481066048145294},{"word":"is","start":939.22,"end":939.72,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08739309757947922},{"word":"essentially","start":939.86,"end":940.33997,"confidence":0.8305664,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.0837225541472435},{"word":"this","start":940.33997,"end":940.5,"confidence":0.98828125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07070894539356232},{"word":"time","start":940.5,"end":940.82,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0746702179312706},{"word":"next","start":940.82,"end":941.06,"confidence":0.99609375,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0646396055817604},{"word":"year","start":941.06,"end":941.56,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.1018996238708496},{"word":"are","start":942.5,"end":942.82,"confidence":0.9316406,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.15094131231307983},{"word":"you","start":942.82,"end":942.9,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18763452768325808},{"word":"happy","start":942.9,"end":943.4,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2164483219385147},{"word":"with","start":943.62,"end":943.86,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18665336072444916},{"word":"the","start":943.86,"end":944.02,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14751611649990082},{"word":"type","start":944.02,"end":944.18,"confidence":0.99121094,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.09662018716335297},{"word":"of","start":944.18,"end":944.26,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15178804099559784},{"word":"nomination","start":944.26,"end":944.76,"confidence":0.9309082,"punctuated_word":"nomination?","sentiment":"neutral","sentiment_score":0.14115740358829498},{"word":"did","start":945.22,"end":945.38,"confidence":0.87158203,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.04631328955292702},{"word":"you","start":945.38,"end":945.46,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05880472809076309},{"word":"want","start":945.46,"end":945.62,"confidence":0.9970703,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0621822215616703},{"word":"us","start":945.62,"end":945.86,"confidence":0.9970703,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.08205128461122513},{"word":"to","start":945.86,"end":945.94,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10598962008953094},{"word":"maybe","start":945.94,"end":946.42,"confidence":0.99121094,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06477080285549164},{"word":"update","start":946.42,"end":946.74,"confidence":0.9951172,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.07421040534973145},{"word":"the","start":946.74,"end":946.82,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06387920677661896},{"word":"advice","start":946.82,"end":947.22,"confidence":0.96533203,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05272523686289787},{"word":"to","start":947.22,"end":947.595,"confidence":0.9038086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06655282527208328},{"word":"reflect","start":947.995,"end":948.475,"confidence":0.97143555,"punctuated_word":"reflect,","sentiment":"neutral","sentiment_score":0.04968853294849396},{"word":"you","start":948.475,"end":948.555,"confidence":0.70996094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.031321942806243896},{"word":"know","start":948.555,"end":948.71497,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.042481910437345505},{"word":"recommendations","start":948.71497,"end":949.21497,"confidence":0.9980469,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.08841018378734589},{"word":"around","start":949.51495,"end":949.83496,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.06889365613460541},{"word":"making","start":949.83496,"end":950.15497,"confidence":0.9980469,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.06971831619739532},{"word":"a","start":950.15497,"end":950.235,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09688335657119752},{"word":"nomination","start":950.235,"end":950.71497,"confidence":0.7392578,"punctuated_word":"nomination?","sentiment":"neutral","sentiment_score":0.06679866462945938},{"word":"you","start":950.71497,"end":950.95496,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07522701472043991},{"word":"don't","start":950.95496,"end":951.115,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.05530830845236778},{"word":"have","start":951.115,"end":951.355,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0357842817902565},{"word":"to","start":951.355,"end":951.51495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00775531679391861},{"word":"continuously","start":951.51495,"end":952.01495,"confidence":0.99902344,"punctuated_word":"continuously","sentiment":"neutral","sentiment_score":-0.02965030074119568},{"word":"update","start":952.235,"end":952.71497,"confidence":0.92749023,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":0.011231804266572},{"word":"what","start":952.71497,"end":952.95496,"confidence":0.99609375,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.02639338001608849},{"word":"would","start":952.95496,"end":953.115,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02908220887184143},{"word":"you","start":953.115,"end":953.27496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02590606175363064},{"word":"sort","start":953.27496,"end":953.355,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0119590163230896},{"word":"of","start":953.355,"end":953.855,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0362301841378212},{"word":"comfort","start":954.15497,"end":954.39496,"confidence":0.7553711,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.06840438395738602},{"word":"level","start":954.39496,"end":954.71497,"confidence":0.99609375,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.13173547387123108},{"word":"wise","start":954.71497,"end":955.115,"confidence":0.9902344,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.2104378342628479},{"word":"feel","start":955.115,"end":955.615,"confidence":0.91796875,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":0.10716445744037628},{"word":"yeah","start":955.915,"end":956.415,"confidence":0.7980957,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.10912945866584778},{"word":"beautiful","start":956.95496,"end":957.45496,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4636422991752625},{"word":"just","start":957.51495,"end":957.75494,"confidence":0.9707031,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.19728967547416687},{"word":"with","start":957.75494,"end":957.915,"confidence":0.7631836,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1833525002002716},{"word":"the","start":957.915,"end":958.235,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20888620615005493},{"word":"the","start":958.235,"end":958.31494,"confidence":0.5961914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1863948553800583},{"word":"other","start":958.31494,"end":958.555,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2165895849466324},{"word":"type","start":958.555,"end":958.795,"confidence":0.9980469,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.1207980066537857},{"word":"of","start":958.795,"end":958.875,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14436614513397217},{"word":"nomination","start":958.875,"end":959.355,"confidence":1.0,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.12616606056690216},{"word":"you","start":959.355,"end":959.61,"confidence":0.796875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16119909286499023},{"word":"that","start":959.85,"end":960.01,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1777229607105255},{"word":"you","start":960.01,"end":960.08997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18706993758678436},{"word":"can","start":960.08997,"end":960.49,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18566924333572388},{"word":"have","start":960.49,"end":960.81,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26173070073127747},{"word":"is","start":960.81,"end":961.05,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17765045166015625},{"word":"a","start":961.05,"end":961.13,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1879967451095581},{"word":"binding","start":961.13,"end":961.52997,"confidence":0.9980469,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.18625855445861816},{"word":"nonlapsing","start":961.52997,"end":962.02997,"confidence":0.87280273,"punctuated_word":"nonlapsing.","sentiment":"neutral","sentiment_score":0.1288759708404541},{"word":"it","start":962.17,"end":962.41,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15516406297683716},{"word":"means","start":962.41,"end":962.57,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.12940546870231628},{"word":"that","start":962.57,"end":962.73,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1750633418560028},{"word":"you","start":962.73,"end":962.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18564210832118988},{"word":"fill","start":962.89,"end":963.13,"confidence":0.9741211,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.2042275369167328},{"word":"the","start":963.13,"end":963.29,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19484809041023257},{"word":"nomination","start":963.29,"end":963.79,"confidence":1.0,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.14170491695404053},{"word":"out","start":963.85,"end":964.08997,"confidence":0.56152344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.23143714666366577},{"word":"once","start":964.08997,"end":964.32996,"confidence":0.94921875,"punctuated_word":"once,","sentiment":"neutral","sentiment_score":0.2046416401863098},{"word":"and","start":964.32996,"end":964.49,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16131478548049927},{"word":"you","start":964.49,"end":964.64996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17940214276313782},{"word":"don't","start":964.64996,"end":964.97,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.14009621739387512},{"word":"have","start":964.97,"end":965.13,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17100510001182556},{"word":"to","start":965.13,"end":965.20996,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12915077805519104},{"word":"fill","start":965.20996,"end":965.45,"confidence":0.99902344,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.07614230364561081},{"word":"it","start":965.45,"end":965.61,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09926756471395493},{"word":"out","start":965.61,"end":965.76996,"confidence":0.97314453,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.10309330374002457},{"word":"ever","start":965.76996,"end":966.08997,"confidence":0.99902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.051254600286483765},{"word":"again","start":966.08997,"end":966.58997,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.07572176307439804},{"word":"unless","start":966.81,"end":967.13,"confidence":0.93847656,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.04547044634819031},{"word":"you","start":967.13,"end":967.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008961506187915802},{"word":"change","start":967.37,"end":967.61,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.03850114345550537},{"word":"the","start":967.61,"end":967.76996,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04779350012540817},{"word":"type","start":967.76996,"end":968.01,"confidence":0.99902344,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.06916758418083191},{"word":"of","start":968.01,"end":968.17,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.016493842005729675},{"word":"nomination","start":968.17,"end":968.67,"confidence":0.97021484,"punctuated_word":"nomination.","sentiment":"neutral","sentiment_score":-0.01107235997915268},{"word":"normally","start":969.20996,"end":969.61,"confidence":1.0,"punctuated_word":"Normally","sentiment":"neutral","sentiment_score":-0.029802359640598297},{"word":"i","start":969.93,"end":970.01,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03533380478620529},{"word":"mean","start":970.01,"end":970.25,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0369415357708931},{"word":"depending","start":970.25,"end":970.73,"confidence":1.0,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.0531592071056366},{"word":"on","start":970.73,"end":970.89,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03381364047527313},{"word":"how","start":970.89,"end":971.13,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.03735898435115814},{"word":"things","start":971.13,"end":971.45,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.02695014514029026},{"word":"are","start":971.45,"end":971.805,"confidence":0.8532715,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":-0.025994498282670975},{"word":"normally","start":972.205,"end":972.445,"confidence":0.9655762,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":-0.037351638078689575},{"word":"we","start":972.445,"end":972.605,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0378938801586628},{"word":"don't","start":972.605,"end":972.845,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06263431906700134},{"word":"wanna","start":972.845,"end":973.085,"confidence":0.9707031,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.10113153606653214},{"word":"change","start":973.085,"end":973.325,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.11695466190576552},{"word":"that","start":973.325,"end":973.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07278448343276978},{"word":"from","start":973.485,"end":973.725,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.1251697838306427},{"word":"our","start":973.725,"end":973.805,"confidence":0.984375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.049716442823410034},{"word":"spouse","start":973.805,"end":974.205,"confidence":1.0,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":-0.05791235715150833},{"word":"unless","start":974.205,"end":974.605,"confidence":0.984375,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.05932501330971718},{"word":"they","start":974.605,"end":974.845,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.05103600025177002},{"word":"pass","start":974.845,"end":975.085,"confidence":0.94970703,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.06622759997844696},{"word":"away","start":975.085,"end":975.485,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.042181409895420074},{"word":"first","start":975.485,"end":975.805,"confidence":0.9970703,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.07682471722364426},{"word":"or","start":975.805,"end":975.96497,"confidence":0.9838867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05159719288349152},{"word":"something","start":975.96497,"end":976.365,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.04748733714222908},{"word":"changes","start":976.365,"end":976.765,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.04432620480656624},{"word":"in","start":976.765,"end":976.925,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04388197511434555},{"word":"our","start":976.925,"end":977.245,"confidence":0.96533203,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.021745173260569572},{"word":"relationship","start":977.245,"end":977.745,"confidence":0.9519043,"punctuated_word":"relationship.","sentiment":"neutral","sentiment_score":-0.04251677170395851},{"word":"and","start":978.52496,"end":978.685,"confidence":0.92578125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.008318150416016579},{"word":"we","start":978.685,"end":979.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03927268832921982},{"word":"review","start":979.005,"end":979.325,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.037253133952617645},{"word":"that","start":979.325,"end":979.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04322541505098343},{"word":"with","start":979.565,"end":979.725,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05647386610507965},{"word":"you","start":979.725,"end":979.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09225285053253174},{"word":"every","start":979.885,"end":980.205,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.06881874799728394},{"word":"year","start":980.205,"end":980.445,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.08359576016664505},{"word":"anyway","start":980.445,"end":980.845,"confidence":0.7675781,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.07561766356229782},{"word":"so","start":980.845,"end":981.005,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05187750980257988},{"word":"it","start":981.005,"end":981.165,"confidence":0.9589844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06773993372917175},{"word":"just","start":981.165,"end":981.325,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04170234128832817},{"word":"means","start":981.325,"end":981.485,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.02288942225277424},{"word":"that","start":981.485,"end":981.565,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0265515074133873},{"word":"we","start":981.565,"end":981.725,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.027136852964758873},{"word":"don't","start":981.725,"end":981.96497,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.015700412914156914},{"word":"have","start":981.96497,"end":982.125,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0246204175055027},{"word":"to","start":982.125,"end":982.285,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010464642196893692},{"word":"ask","start":982.285,"end":982.445,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.0007767938077449799},{"word":"you","start":982.445,"end":982.605,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0030503682792186737},{"word":"to","start":982.605,"end":982.685,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01676834188401699},{"word":"pre","start":982.685,"end":982.925,"confidence":0.51416016,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":-0.020328687503933907},{"word":"fill","start":982.925,"end":983.165,"confidence":0.94140625,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":-0.010878726840019226},{"word":"that","start":983.165,"end":983.40497,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00947088748216629},{"word":"form","start":983.40497,"end":983.725,"confidence":0.9223633,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.003979332745075226},{"word":"out","start":983.725,"end":984.045,"confidence":0.94140625,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.009935293346643448},{"word":"every","start":984.045,"end":984.365,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.004296852275729179},{"word":"three","start":984.365,"end":984.685,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.0014329664409160614},{"word":"years","start":984.685,"end":985.005,"confidence":0.9802246,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.005261687561869621},{"word":"which","start":985.005,"end":985.245,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.009482283145189284},{"word":"can","start":985.245,"end":985.40497,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.01690242812037468},{"word":"get","start":985.40497,"end":985.645,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.007722867652773857},{"word":"kind","start":985.645,"end":985.805,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.4217630922794342},{"word":"of","start":985.805,"end":986.045,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.39765700697898865},{"word":"arduous","start":986.045,"end":986.52496,"confidence":0.9682617,"punctuated_word":"arduous","sentiment":"negative","sentiment_score":-0.5403996706008911},{"word":"and","start":986.52496,"end":986.765,"confidence":0.9892578,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.6888245940208435},{"word":"annoying","start":986.765,"end":987.265,"confidence":0.99560547,"punctuated_word":"annoying.","sentiment":"negative","sentiment_score":-0.6034294962882996},{"word":"so","start":988.47,"end":988.63,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02556762099266052},{"word":"if","start":988.63,"end":988.71,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3343198597431183},{"word":"you're","start":988.71,"end":989.21,"confidence":0.9650879,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3887966573238373},{"word":"comfortable","start":990.23,"end":990.71,"confidence":0.8925781,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.5146913528442383},{"word":"to","start":990.71,"end":990.79,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7233771085739136},{"word":"do","start":990.79,"end":990.95,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.7711361646652222},{"word":"that","start":990.95,"end":991.19,"confidence":0.99194336,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.6396681666374207},{"word":"beautiful","start":991.19,"end":991.67,"confidence":0.98535156,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.693394124507904},{"word":"i'll","start":991.67,"end":991.83,"confidence":0.9814453,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.48558568954467773},{"word":"reflect","start":991.83,"end":992.23,"confidence":0.9140625,"punctuated_word":"reflect","sentiment":"positive","sentiment_score":0.5470056533813477},{"word":"that","start":992.23,"end":992.31,"confidence":0.8798828,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5036269426345825},{"word":"in","start":992.31,"end":992.47,"confidence":0.9838867,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.46398791670799255},{"word":"the","start":992.47,"end":992.63,"confidence":0.9892578,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45784175395965576},{"word":"advice","start":992.63,"end":993.03,"confidence":0.9267578,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.46003296971321106},{"word":"document","start":993.03,"end":993.51,"confidence":0.99902344,"punctuated_word":"document","sentiment":"positive","sentiment_score":0.43345731496810913},{"word":"for","start":993.51,"end":993.67,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.42737120389938354},{"word":"you","start":993.67,"end":993.83,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3684349060058594},{"word":"as","start":993.83,"end":993.99,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.30669206380844116},{"word":"well","start":993.99,"end":994.15,"confidence":0.9885254,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.27089768648147583},{"word":"but","start":994.15,"end":994.39,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2561311721801758},{"word":"i'll","start":994.39,"end":994.55,"confidence":0.9851074,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2519707679748535},{"word":"also","start":994.55,"end":994.79,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.24703311920166016},{"word":"get","start":994.79,"end":995.03,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24734021723270416},{"word":"the","start":995.03,"end":995.19,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.217330664396286},{"word":"team","start":995.19,"end":995.35,"confidence":0.9921875,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.2147412151098251},{"word":"to","start":995.35,"end":995.51,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22909075021743777},{"word":"make","start":995.51,"end":995.67,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1729966700077057},{"word":"sure","start":995.67,"end":995.91,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1934957653284073},{"word":"we","start":995.91,"end":996.07,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24043717980384827},{"word":"send","start":996.07,"end":996.23,"confidence":0.9892578,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2466866672039032},{"word":"it","start":996.23,"end":996.39,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1957787275314331},{"word":"out","start":996.39,"end":996.55,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2688157856464386},{"word":"and","start":996.55,"end":996.71,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16198980808258057},{"word":"update","start":996.71,"end":997.03,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.24621783196926117},{"word":"it","start":997.03,"end":997.53,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.15287573635578156},{"word":"are","start":997.91,"end":998.07,"confidence":0.9326172,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.10725238919258118},{"word":"you","start":998.07,"end":998.31,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17142000794410706},{"word":"happy","start":998.31,"end":998.63,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.30343639850616455},{"word":"with","start":998.63,"end":998.87,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2802884876728058},{"word":"us","start":998.87,"end":999.19,"confidence":0.9951172,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.26823800802230835},{"word":"pre","start":999.19,"end":999.43,"confidence":0.63183594,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.2950805723667145},{"word":"filling","start":999.43,"end":999.67,"confidence":0.8828125,"punctuated_word":"filling","sentiment":"positive","sentiment_score":0.36370718479156494},{"word":"the","start":999.67,"end":999.83,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3513103425502777},{"word":"nomination","start":999.83,"end":1000.33,"confidence":0.9970703,"punctuated_word":"nomination","sentiment":"positive","sentiment_score":0.3608253002166748},{"word":"for","start":1000.47,"end":1000.63,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.27258872985839844},{"word":"you","start":1000.63,"end":1000.87,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2085057348012924},{"word":"with","start":1000.87,"end":1001.11,"confidence":0.97314453,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.35732609033584595},{"word":"katrina's","start":1001.11,"end":1001.59,"confidence":0.98950195,"punctuated_word":"Katrina's","sentiment":"neutral","sentiment_score":0.3081558346748352},{"word":"details","start":1001.59,"end":1001.895,"confidence":0.5361328,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.2183729857206345},{"word":"to","start":1001.97504,"end":1002.215,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17131677269935608},{"word":"make","start":1002.215,"end":1002.375,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2155383676290512},{"word":"life","start":1002.375,"end":1002.495,"confidence":0.9980469,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.3478124737739563},{"word":"a","start":1002.495,"end":1002.615,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31587356328964233},{"word":"bit","start":1002.615,"end":1002.935,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2737155556678772},{"word":"easier","start":1002.935,"end":1003.435,"confidence":0.9975586,"punctuated_word":"easier?","sentiment":"neutral","sentiment_score":0.28014567494392395},{"word":"yep","start":1003.575,"end":1004.075,"confidence":0.9289551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15201029181480408},{"word":"fantastic","start":1005.655,"end":1006.155,"confidence":0.99609375,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6390871405601501},{"word":"and","start":1006.375,"end":1006.695,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1835946887731552},{"word":"did","start":1006.695,"end":1006.775,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0917135253548622},{"word":"you","start":1006.775,"end":1007.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1265801191329956},{"word":"prefer","start":1007.015,"end":1007.335,"confidence":1.0,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.13314421474933624},{"word":"that","start":1007.335,"end":1007.575,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18519315123558044},{"word":"to","start":1007.575,"end":1007.73505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12883904576301575},{"word":"be","start":1007.73505,"end":1007.97504,"confidence":0.98828125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06903762370347977},{"word":"emailed","start":1007.97504,"end":1008.375,"confidence":0.99902344,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.12257431447505952},{"word":"or","start":1008.375,"end":1008.53503,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10724123567342758},{"word":"posted","start":1008.53503,"end":1009.03503,"confidence":0.99902344,"punctuated_word":"posted","sentiment":"neutral","sentiment_score":0.13382954895496368},{"word":"to","start":1009.09503,"end":1009.255,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10409393161535264},{"word":"you","start":1009.255,"end":1009.575,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11817696690559389},{"word":"or","start":1009.575,"end":1009.815,"confidence":0.9580078,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07961796224117279},{"word":"both","start":1009.815,"end":1010.315,"confidence":0.99560547,"punctuated_word":"both?","sentiment":"neutral","sentiment_score":0.10898909717798232},{"word":"both","start":1012.775,"end":1013.275,"confidence":0.8762207,"punctuated_word":"Both.","sentiment":"neutral","sentiment_score":0.10384996235370636},{"word":"yeah","start":1013.73505,"end":1013.97504,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09860210120677948},{"word":"absolutely","start":1013.97504,"end":1014.47504,"confidence":0.99902344,"punctuated_word":"Absolutely","sentiment":"neutral","sentiment_score":0.24410812556743625},{"word":"fine","start":1014.615,"end":1014.935,"confidence":0.93310547,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.18291418254375455},{"word":"i'll","start":1014.935,"end":1015.09503,"confidence":0.9980469,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1855454295873642},{"word":"also","start":1015.09503,"end":1015.335,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1657034009695053},{"word":"get","start":1015.335,"end":1015.495,"confidence":0.9921875,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.19767005741596225},{"word":"them","start":1015.495,"end":1015.655,"confidence":0.9921875,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.16920864582061768},{"word":"to","start":1015.655,"end":1015.89,"confidence":0.8671875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16599901020526886},{"word":"send","start":1015.89,"end":1015.97003,"confidence":0.97998047,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1473097801208496},{"word":"out","start":1015.97003,"end":1016.13,"confidence":0.96777344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12989062070846558},{"word":"that","start":1016.13,"end":1016.37,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14296188950538635},{"word":"third","start":1016.37,"end":1016.45,"confidence":0.9970703,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.09797657281160356},{"word":"party","start":1016.45,"end":1016.93,"confidence":0.99902344,"punctuated_word":"party","sentiment":"neutral","sentiment_score":0.11108897626399994},{"word":"authority","start":1016.93,"end":1017.33,"confidence":0.99316406,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.1329347938299179},{"word":"for","start":1017.33,"end":1017.49,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10294956713914873},{"word":"host","start":1017.49,"end":1017.73004,"confidence":0.7626953,"punctuated_word":"host","sentiment":"neutral","sentiment_score":0.11156943440437316},{"word":"plus","start":1017.73004,"end":1017.97003,"confidence":0.5866699,"punctuated_word":"plus.","sentiment":"neutral","sentiment_score":0.11172416806221008},{"word":"again","start":1017.97003,"end":1018.21,"confidence":0.9980469,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.10366366058588028},{"word":"we'll","start":1018.21,"end":1018.45,"confidence":0.9692383,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.11494138091802596},{"word":"try","start":1018.45,"end":1018.53,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.08438103646039963},{"word":"and","start":1018.53,"end":1018.69,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0896545797586441},{"word":"get","start":1018.69,"end":1018.85004,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0891229659318924},{"word":"it","start":1018.85004,"end":1019.01,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25678086280822754},{"word":"all","start":1019.01,"end":1019.25,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2654358744621277},{"word":"sent","start":1019.25,"end":1019.41003,"confidence":0.98291016,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.32835307717323303},{"word":"out","start":1019.41003,"end":1019.65,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04876306280493736},{"word":"in","start":1019.65,"end":1019.89,"confidence":0.9482422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07773032039403915},{"word":"one","start":1019.89,"end":1020.21,"confidence":0.984375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09505057334899902},{"word":"one","start":1020.21,"end":1020.61,"confidence":0.96777344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07686851918697357},{"word":"hit","start":1020.61,"end":1020.93,"confidence":0.64697266,"punctuated_word":"hit.","sentiment":"neutral","sentiment_score":0.0762706995010376},{"word":"see","start":1020.93,"end":1021.17004,"confidence":0.72021484,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.05829660594463349},{"word":"the","start":1021.17004,"end":1021.41003,"confidence":0.3569336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06591551005840302},{"word":"signing","start":1021.41003,"end":1021.73004,"confidence":0.9506836,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.06540185213088989},{"word":"everything","start":1021.73004,"end":1022.21,"confidence":0.8964844,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.11496089398860931},{"word":"at","start":1022.21,"end":1022.45,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06848915666341782},{"word":"once","start":1022.45,"end":1022.95,"confidence":0.8708496,"punctuated_word":"once.","sentiment":"neutral","sentiment_score":0.08958183974027634},{"word":"absolutely","start":1023.33,"end":1023.83,"confidence":0.9980469,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.31278085708618164},{"word":"fantastic","start":1024.77,"end":1025.27,"confidence":0.9951172,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4345610737800598},{"word":"the","start":1026.6901,"end":1026.93,"confidence":0.6928711,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.15178319811820984},{"word":"only","start":1026.93,"end":1027.25,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.09937852621078493},{"word":"other","start":1027.25,"end":1027.41,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06508305668830872},{"word":"thing","start":1027.41,"end":1027.91,"confidence":0.9902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.08152208477258682},{"word":"gonna","start":1027.965,"end":1028.125,"confidence":0.23352051,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07158877700567245},{"word":"touch","start":1028.125,"end":1028.365,"confidence":0.99316406,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.02942560240626335},{"word":"on","start":1028.365,"end":1028.445,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03484610095620155},{"word":"is","start":1028.445,"end":1028.6849,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01961441710591316},{"word":"just","start":1028.6849,"end":1029.005,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09498897939920424},{"word":"your","start":1029.005,"end":1029.245,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07409391552209854},{"word":"risk","start":1029.245,"end":1029.565,"confidence":0.99316406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.06548484414815903},{"word":"profile","start":1029.565,"end":1029.965,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.026242010295391083},{"word":"there","start":1029.965,"end":1030.2849,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07108192145824432},{"word":"as","start":1030.2849,"end":1030.445,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03254009410738945},{"word":"well","start":1030.445,"end":1030.765,"confidence":0.99609375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.023984016850590702},{"word":"so","start":1030.765,"end":1031.085,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.014050621539354324},{"word":"you","start":1031.085,"end":1031.1649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01436026766896248},{"word":"are","start":1031.1649,"end":1031.4049,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.009559929370880129},{"word":"in","start":1031.4049,"end":1031.485,"confidence":0.9790039,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.009694479405879974},{"word":"that","start":1031.485,"end":1031.725,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010185178369283676},{"word":"growth","start":1031.725,"end":1032.125,"confidence":0.9941406,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.002995159476995468},{"word":"environment","start":1032.125,"end":1032.625,"confidence":1.0,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":-0.0068302638828754425},{"word":"at","start":1032.6849,"end":1032.765,"confidence":0.9741211,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.016118716448545456},{"word":"the","start":1032.765,"end":1032.845,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008424859493970871},{"word":"moment","start":1032.845,"end":1033.1649,"confidence":0.8991699,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.01580704376101494},{"word":"which","start":1033.1649,"end":1033.4049,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.001765921711921692},{"word":"has","start":1033.4049,"end":1033.645,"confidence":0.9499512,"punctuated_word":"has,","sentiment":"neutral","sentiment_score":0.0010140631347894669},{"word":"like","start":1033.645,"end":1033.8049,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0065919216722249985},{"word":"an","start":1033.8049,"end":1033.965,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.01852719485759735},{"word":"eighty","start":1033.965,"end":1034.2849,"confidence":0.9970703,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":-0.011621193960309029},{"word":"twenty","start":1034.2849,"end":1034.6849,"confidence":0.9267578,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.01243695616722107},{"word":"split","start":1034.6849,"end":1034.9249,"confidence":0.94384766,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.009641483426094055},{"word":"there","start":1034.9249,"end":1035.4249,"confidence":0.98999023,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0013499557971954346},{"word":"having","start":1036.125,"end":1036.445,"confidence":0.9165039,"punctuated_word":"Having","sentiment":"neutral","sentiment_score":0.0028107911348342896},{"word":"a","start":1036.445,"end":1036.525,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005102783441543579},{"word":"look","start":1036.525,"end":1036.765,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.005333559587597847},{"word":"at","start":1036.765,"end":1036.845,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.006488822400569916},{"word":"the","start":1036.845,"end":1037.005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0027304422110319138},{"word":"other","start":1037.005,"end":1037.1649,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0007540658116340637},{"word":"questions","start":1037.1649,"end":1037.565,"confidence":0.9760742,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.005844485014677048},{"word":"that","start":1037.565,"end":1037.725,"confidence":0.51464844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0007915422320365906},{"word":"you've","start":1037.725,"end":1037.965,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0025183926336467266},{"word":"got","start":1037.965,"end":1038.125,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.007780592888593674},{"word":"more","start":1038.125,"end":1038.2849,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.012230761349201202},{"word":"than","start":1038.2849,"end":1038.445,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0174802727997303},{"word":"ten","start":1038.445,"end":1038.6849,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.008792320266366005},{"word":"years","start":1038.6849,"end":1039.005,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.007250010967254639},{"word":"ahead","start":1039.005,"end":1039.245,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.011381398886442184},{"word":"of","start":1039.245,"end":1039.4049,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.018836595118045807},{"word":"you","start":1039.4049,"end":1039.565,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020598631352186203},{"word":"before","start":1039.565,"end":1039.885,"confidence":0.9970703,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.000528629869222641},{"word":"accessing","start":1039.885,"end":1040.365,"confidence":0.9980469,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.014362320303916931},{"word":"your","start":1040.365,"end":1040.605,"confidence":0.7949219,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02001365646719933},{"word":"super","start":1040.605,"end":1041.105,"confidence":0.9213867,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.022594209760427475},{"word":"you've","start":1042.0701,"end":1042.47,"confidence":0.98706055,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.01274142600595951},{"word":"never","start":1042.47,"end":1042.79,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.015018293634057043},{"word":"invested","start":1042.79,"end":1043.27,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.009329967200756071},{"word":"in","start":1043.27,"end":1043.43,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02063783258199692},{"word":"your","start":1043.43,"end":1043.67,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.018388599157333377},{"word":"own","start":1043.67,"end":1043.91,"confidence":0.9951172,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.022472601383924484},{"word":"name","start":1043.91,"end":1044.15,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.016807761043310165},{"word":"before","start":1044.15,"end":1044.55,"confidence":0.7890625,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.014807424508035185},{"word":"have","start":1044.55,"end":1044.71,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0005908869206905365},{"word":"you","start":1044.71,"end":1044.9501,"confidence":0.9890137,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.004083648324012756},{"word":"have","start":1044.9501,"end":1045.11,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.009035277180373669},{"word":"you","start":1045.11,"end":1045.27,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008779514580965042},{"word":"ever","start":1045.27,"end":1045.59,"confidence":0.9902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.0017422428354620934},{"word":"owned","start":1045.59,"end":1045.8301,"confidence":0.9790039,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":-0.009058945812284946},{"word":"shares","start":1045.8301,"end":1046.3301,"confidence":0.9980469,"punctuated_word":"shares?","sentiment":"neutral","sentiment_score":-0.010774243623018265},{"word":"nope","start":1047.03,"end":1047.35,"confidence":0.7988281,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.09187284111976624},{"word":"that's","start":1047.35,"end":1047.67,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05113403499126434},{"word":"okay","start":1047.67,"end":1048.17,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.033971186727285385},{"word":"in","start":1048.79,"end":1049.03,"confidence":0.91748047,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.042068179696798325},{"word":"the","start":1049.03,"end":1049.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02280517667531967},{"word":"event","start":1049.11,"end":1049.51,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.03536323457956314},{"word":"that","start":1049.51,"end":1049.8301,"confidence":0.90625,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04160507768392563},{"word":"say","start":1049.8301,"end":1050.15,"confidence":0.9975586,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.05517735332250595},{"word":"the","start":1050.15,"end":1050.39,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04266032204031944},{"word":"market","start":1050.39,"end":1050.79,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.02935444563627243},{"word":"took","start":1050.79,"end":1051.03,"confidence":1.0,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.0527266226708889},{"word":"a","start":1051.03,"end":1051.1901,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06471843272447586},{"word":"big","start":1051.1901,"end":1051.43,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.04853571206331253},{"word":"dive","start":1051.43,"end":1051.91,"confidence":0.986084,"punctuated_word":"dive,","sentiment":"neutral","sentiment_score":-0.057986781001091},{"word":"say","start":1051.91,"end":1052.15,"confidence":0.84716797,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.05657118558883667},{"word":"20%","start":1052.15,"end":1052.87,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.01732144132256508},{"word":"or","start":1052.87,"end":1053.03,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.061873745173215866},{"word":"more","start":1053.03,"end":1053.27,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.05308623984456062},{"word":"in","start":1053.27,"end":1053.35,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0379168763756752},{"word":"the","start":1053.35,"end":1053.51,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020137690007686615},{"word":"next","start":1053.51,"end":1053.8301,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.024216480553150177},{"word":"one","start":1053.8301,"end":1053.99,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.02439003437757492},{"word":"to","start":1053.99,"end":1054.15,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016055889427661896},{"word":"two","start":1054.15,"end":1054.39,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.009152334183454514},{"word":"years","start":1054.39,"end":1054.71,"confidence":0.9951172,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.004022764042019844},{"word":"how","start":1054.71,"end":1054.87,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.034403733909130096},{"word":"do","start":1054.87,"end":1055.03,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03104201704263687},{"word":"you","start":1055.03,"end":1055.1901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011879190802574158},{"word":"think","start":1055.1901,"end":1055.43,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.03591427952051163},{"word":"you","start":1055.43,"end":1055.51,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02978439629077911},{"word":"might","start":1055.51,"end":1055.75,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.032531432807445526},{"word":"be","start":1055.75,"end":1055.985,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02305539697408676},{"word":"feeling","start":1055.985,"end":1056.385,"confidence":0.9975586,"punctuated_word":"feeling?","sentiment":"neutral","sentiment_score":-0.025995006784796715},{"word":"do","start":1056.385,"end":1056.465,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.06971792876720428},{"word":"you","start":1056.465,"end":1056.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02599700540304184},{"word":"think","start":1056.545,"end":1056.865,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0475870743393898},{"word":"you'd","start":1056.865,"end":1057.105,"confidence":0.92211914,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.023736383765935894},{"word":"be","start":1057.105,"end":1057.345,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03449959307909012},{"word":"okay","start":1057.345,"end":1057.845,"confidence":0.7824707,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":-0.0141218900680542},{"word":"the","start":1057.985,"end":1058.225,"confidence":0.99316406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.05936843901872635},{"word":"buying","start":1058.225,"end":1058.545,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":-0.01701589673757553},{"word":"opportunity","start":1058.545,"end":1059.045,"confidence":0.85595703,"punctuated_word":"opportunity,","sentiment":"neutral","sentiment_score":-0.028140991926193237},{"word":"you're","start":1059.265,"end":1059.505,"confidence":0.97875977,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07085270434617996},{"word":"not","start":1059.505,"end":1059.825,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0761016458272934},{"word":"retiring","start":1059.825,"end":1060.225,"confidence":1.0,"punctuated_word":"retiring","sentiment":"neutral","sentiment_score":-0.053871817886829376},{"word":"yet","start":1060.225,"end":1060.465,"confidence":0.7182617,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":-0.08340924978256226},{"word":"you'll","start":1060.465,"end":1060.705,"confidence":0.88378906,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.0836147889494896},{"word":"hold","start":1060.705,"end":1060.945,"confidence":0.98828125,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.08897565305233002},{"word":"and","start":1060.945,"end":1061.105,"confidence":0.67089844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08050785213708878},{"word":"wait","start":1061.105,"end":1061.265,"confidence":0.8972168,"punctuated_word":"wait,","sentiment":"neutral","sentiment_score":-0.05657875910401344},{"word":"or","start":1061.265,"end":1061.505,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08039656281471252},{"word":"do","start":1061.505,"end":1061.585,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.10206060111522676},{"word":"you","start":1061.585,"end":1061.665,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1010008379817009},{"word":"think","start":1061.665,"end":1061.905,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1431434452533722},{"word":"you'd","start":1061.905,"end":1062.065,"confidence":0.954834,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.13572707772254944},{"word":"be","start":1062.065,"end":1062.225,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17446118593215942},{"word":"a","start":1062.225,"end":1062.3049,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15700379014015198},{"word":"bit","start":1062.3049,"end":1062.465,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.13344500958919525},{"word":"more","start":1062.465,"end":1062.625,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.13139879703521729},{"word":"concerned","start":1062.625,"end":1063.025,"confidence":0.98828125,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.11737780272960664},{"word":"than","start":1063.025,"end":1063.265,"confidence":0.9614258,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.1489574909210205},{"word":"maybe","start":1063.265,"end":1063.585,"confidence":0.99121094,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.14080610871315002},{"word":"contacting","start":1063.585,"end":1064.065,"confidence":1.0,"punctuated_word":"contacting","sentiment":"neutral","sentiment_score":-0.1679650843143463},{"word":"us","start":1064.065,"end":1064.3049,"confidence":0.9748535,"punctuated_word":"us?","sentiment":"neutral","sentiment_score":-0.06658566743135452},{"word":"how","start":1064.3049,"end":1064.385,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.025289122015237808},{"word":"do","start":1064.385,"end":1064.545,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.027009736746549606},{"word":"you","start":1064.545,"end":1064.625,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010094013065099716},{"word":"think","start":1064.625,"end":1064.865,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0358840748667717},{"word":"you","start":1064.865,"end":1065.025,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029249973595142365},{"word":"might","start":1065.025,"end":1065.265,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.03280409798026085},{"word":"feel","start":1065.265,"end":1065.4249,"confidence":0.99609375,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.029788825660943985},{"word":"in","start":1065.4249,"end":1065.585,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04393230751156807},{"word":"that","start":1065.585,"end":1065.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05680157244205475},{"word":"instance","start":1065.745,"end":1066.245,"confidence":0.9838867,"punctuated_word":"instance?","sentiment":"neutral","sentiment_score":-0.033966999500989914},{"word":"yep","start":1075.48,"end":1075.8,"confidence":0.875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11434167623519896},{"word":"yep","start":1075.8,"end":1076.04,"confidence":0.9875488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11666010320186616},{"word":"that's","start":1076.04,"end":1076.28,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2836045026779175},{"word":"okay","start":1076.28,"end":1076.68,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.251834899187088},{"word":"maybe","start":1076.68,"end":1077.0,"confidence":0.9980469,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.1553424447774887},{"word":"give","start":1077.0,"end":1077.16,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1120077446103096},{"word":"us","start":1077.16,"end":1077.3201,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.07569239288568497},{"word":"a","start":1077.3201,"end":1077.4,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10724227875471117},{"word":"call","start":1077.4,"end":1077.64,"confidence":0.9091797,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.10666004568338394},{"word":"see","start":1077.64,"end":1077.8,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07774221897125244},{"word":"what's","start":1077.8,"end":1078.12,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.07644961774349213},{"word":"happening","start":1078.12,"end":1078.6001,"confidence":0.8161621,"punctuated_word":"happening,","sentiment":"neutral","sentiment_score":0.0943208634853363},{"word":"and","start":1078.6001,"end":1079.1001,"confidence":0.94018555,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.05184759572148323},{"word":"yeah","start":1079.8,"end":1080.12,"confidence":0.8222656,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.11459436267614365},{"word":"have","start":1080.12,"end":1080.36,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11971285939216614},{"word":"a","start":1080.36,"end":1080.4401,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12585444748401642},{"word":"chat","start":1080.4401,"end":1080.68,"confidence":1.0,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.12422888725996016},{"word":"about","start":1080.68,"end":1080.8401,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12722603976726532},{"word":"it","start":1080.8401,"end":1081.0801,"confidence":0.95874023,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13260400295257568},{"word":"beautiful","start":1081.0801,"end":1081.5801,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.677829384803772},{"word":"all","start":1081.8,"end":1082.04,"confidence":0.9970703,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.7189516425132751},{"word":"good","start":1082.04,"end":1082.54,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5637180805206299},{"word":"the","start":1083.4349,"end":1083.6749,"confidence":0.9550781,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.12040875852108002},{"word":"other","start":1083.6749,"end":1083.9149,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10751008242368698},{"word":"question","start":1083.9149,"end":1084.235,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.06714677810668945},{"word":"i'd","start":1084.235,"end":1084.395,"confidence":0.7780762,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.0048959217965602875},{"word":"like","start":1084.395,"end":1084.5549,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0029480531811714172},{"word":"to","start":1084.5549,"end":1084.635,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02455870248377323},{"word":"sort","start":1084.635,"end":1084.875,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04882737994194031},{"word":"of","start":1084.875,"end":1084.955,"confidence":0.7519531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037731509655714035},{"word":"go","start":1084.955,"end":1085.115,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06602434813976288},{"word":"through","start":1085.115,"end":1085.275,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05515656992793083},{"word":"is","start":1085.275,"end":1085.4349,"confidence":0.65979004,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.013116848655045033},{"word":"you","start":1085.4349,"end":1085.515,"confidence":0.90283203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008012615144252777},{"word":"know","start":1085.515,"end":1085.835,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.005875077098608017},{"word":"we're","start":1085.835,"end":1086.075,"confidence":0.99316406,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.007702185772359371},{"word":"all","start":1086.075,"end":1086.235,"confidence":0.98095703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0072533972561359406},{"word":"looking","start":1086.235,"end":1086.475,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.008552245795726776},{"word":"to","start":1086.475,"end":1086.5549,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002630624920129776},{"word":"try","start":1086.5549,"end":1086.7949,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.003381170332431793},{"word":"and","start":1086.7949,"end":1086.875,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03315476328134537},{"word":"get","start":1086.875,"end":1087.0349,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.026753820478916168},{"word":"the","start":1087.0349,"end":1087.115,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027991216629743576},{"word":"best","start":1087.115,"end":1087.355,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.02606628835201263},{"word":"returns","start":1087.355,"end":1087.6749,"confidence":0.99121094,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.12692786753177643},{"word":"we","start":1087.6749,"end":1087.9149,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0017085000872612},{"word":"possibly","start":1087.9149,"end":1088.235,"confidence":0.9980469,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.0542941614985466},{"word":"can","start":1088.235,"end":1088.475,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.005890801548957825},{"word":"out","start":1088.475,"end":1088.715,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08017082512378693},{"word":"of","start":1088.715,"end":1088.7949,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00161086767911911},{"word":"our","start":1088.7949,"end":1089.0349,"confidence":0.80126953,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.023022770881652832},{"word":"super","start":1089.0349,"end":1089.5349,"confidence":0.70996094,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.06992187350988388},{"word":"but","start":1089.755,"end":1089.995,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.035103172063827515},{"word":"when","start":1089.995,"end":1090.235,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04627428948879242},{"word":"you","start":1090.235,"end":1090.315,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03545527160167694},{"word":"think","start":1090.315,"end":1090.7949,"confidence":0.8520508,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04020161181688309},{"word":"of","start":1090.7949,"end":1090.955,"confidence":0.5332031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05314056947827339},{"word":"yourself","start":1090.955,"end":1091.4349,"confidence":0.8457031,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.056146811693906784},{"word":"and","start":1091.4349,"end":1091.6749,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06821243464946747},{"word":"the","start":1091.6749,"end":1091.755,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.053421273827552795},{"word":"type","start":1091.755,"end":1091.995,"confidence":0.99902344,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.05697687715291977},{"word":"of","start":1091.995,"end":1092.235,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06707543134689331},{"word":"risk","start":1092.235,"end":1092.475,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.08145508915185928},{"word":"level","start":1092.475,"end":1092.875,"confidence":0.89990234,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.08337853103876114},{"word":"that","start":1092.875,"end":1093.0349,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0542701855301857},{"word":"you're","start":1093.0349,"end":1093.275,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05209043249487877},{"word":"undertaking","start":1093.275,"end":1093.775,"confidence":0.99902344,"punctuated_word":"undertaking,","sentiment":"neutral","sentiment_score":-0.06494738161563873},{"word":"do","start":1093.9149,"end":1094.075,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06972396373748779},{"word":"you","start":1094.075,"end":1094.1549,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05419818311929703},{"word":"consider","start":1094.1549,"end":1094.6549,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.07742732763290405},{"word":"yourself","start":1094.715,"end":1095.195,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.07830417901277542},{"word":"comfortable","start":1095.195,"end":1095.6749,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.10819344222545624},{"word":"taking","start":1095.6749,"end":1095.995,"confidence":0.9970703,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.12582123279571533},{"word":"on","start":1095.995,"end":1096.1549,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11126673221588136},{"word":"a","start":1096.1549,"end":1096.315,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0943543091416359},{"word":"higher","start":1096.315,"end":1096.635,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.1002580225467682},{"word":"level","start":1096.635,"end":1096.955,"confidence":0.99902344,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.10955062508583067},{"word":"of","start":1096.955,"end":1097.115,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13343797624111176},{"word":"risk","start":1097.115,"end":1097.4349,"confidence":0.890625,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1165924146771431},{"word":"to","start":1097.4349,"end":1097.85,"confidence":0.96777344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13407322764396667},{"word":"obtain","start":1097.9299,"end":1098.25,"confidence":0.8574219,"punctuated_word":"obtain","sentiment":"neutral","sentiment_score":-0.09131815284490584},{"word":"greater","start":1098.25,"end":1098.49,"confidence":0.99902344,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":-0.0706682875752449},{"word":"potential","start":1098.49,"end":1098.99,"confidence":0.99902344,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":-0.005898557603359222},{"word":"returns","start":1099.0499,"end":1099.5499,"confidence":0.80908203,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":-0.047596514225006104},{"word":"or","start":1100.1699,"end":1100.41,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0988127589225769},{"word":"do","start":1100.41,"end":1100.57,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06290586292743683},{"word":"you","start":1100.57,"end":1100.73,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06776048988103867},{"word":"feel","start":1100.73,"end":1101.0499,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.07801268994808197},{"word":"you're","start":1101.0499,"end":1101.37,"confidence":0.9746094,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06994923949241638},{"word":"more","start":1101.37,"end":1101.61,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07549966871738434},{"word":"in","start":1101.61,"end":1101.77,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09512875974178314},{"word":"the","start":1101.77,"end":1101.9299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06018081307411194},{"word":"middle","start":1101.9299,"end":1102.25,"confidence":0.8779297,"punctuated_word":"middle,","sentiment":"neutral","sentiment_score":-0.07517892122268677},{"word":"medium","start":1102.25,"end":1102.65,"confidence":0.9980469,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":-0.1016826033592224},{"word":"range","start":1102.65,"end":1102.89,"confidence":0.8588867,"punctuated_word":"range?","sentiment":"neutral","sentiment_score":-0.0607893168926239},{"word":"you","start":1102.89,"end":1103.21,"confidence":0.9819336,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.04885636270046234},{"word":"are","start":1103.21,"end":1103.37,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03607222065329552},{"word":"comfortable","start":1103.37,"end":1103.77,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.045612629503011703},{"word":"with","start":1103.77,"end":1103.9299,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.057698264718055725},{"word":"a","start":1103.9299,"end":1104.09,"confidence":0.92089844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03597312048077583},{"word":"moderate","start":1104.09,"end":1104.33,"confidence":0.9980469,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":-0.07823602855205536},{"word":"amount","start":1104.33,"end":1104.65,"confidence":0.9980469,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.04037835821509361},{"word":"of","start":1104.65,"end":1104.73,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0381750725209713},{"word":"risk","start":1104.73,"end":1105.0499,"confidence":0.96435547,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.05597180500626564},{"word":"trying","start":1105.0499,"end":1105.2899,"confidence":0.7216797,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.05806173756718635},{"word":"to","start":1105.2899,"end":1105.37,"confidence":0.9580078,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06829351931810379},{"word":"get","start":1105.37,"end":1105.53,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03436734527349472},{"word":"the","start":1105.53,"end":1105.61,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03325313702225685},{"word":"best","start":1105.61,"end":1105.85,"confidence":0.9970703,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.042434386909008026},{"word":"returns","start":1105.85,"end":1106.25,"confidence":0.96875,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.05262962728738785},{"word":"you","start":1106.25,"end":1106.41,"confidence":0.90527344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.043121907860040665},{"word":"possibly","start":1106.41,"end":1106.89,"confidence":0.99902344,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.06650661677122116},{"word":"can","start":1106.89,"end":1107.39,"confidence":0.9597168,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":-0.05660443753004074},{"word":"or","start":1107.45,"end":1107.69,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10208780318498611},{"word":"do","start":1107.69,"end":1107.77,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08723856508731842},{"word":"you","start":1107.77,"end":1107.9299,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07670699059963226},{"word":"consider","start":1107.9299,"end":1108.41,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.10388916730880736},{"word":"yourself","start":1108.41,"end":1108.8099,"confidence":1.0,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.10413360595703124},{"word":"not","start":1108.8099,"end":1108.97,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14185605943202972},{"word":"comfortable","start":1108.97,"end":1109.47,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.15848957002162933},{"word":"taking","start":1109.53,"end":1109.77,"confidence":0.99316406,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.21157893538475037},{"word":"on","start":1109.77,"end":1110.01,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.19613784551620483},{"word":"any","start":1110.01,"end":1110.25,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.17871779203414917},{"word":"risk","start":1110.25,"end":1110.49,"confidence":0.9921875,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.19473539292812347},{"word":"and","start":1110.49,"end":1110.73,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2092816531658173},{"word":"receiving","start":1110.73,"end":1111.23,"confidence":1.0,"punctuated_word":"receiving","sentiment":"neutral","sentiment_score":-0.2641536295413971},{"word":"lower","start":1111.4149,"end":1111.575,"confidence":0.9951172,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.16632583737373352},{"word":"rates","start":1111.575,"end":1111.815,"confidence":0.97998047,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":-0.14677754044532776},{"word":"of","start":1111.815,"end":1111.975,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12712876498699188},{"word":"returns","start":1111.975,"end":1112.475,"confidence":0.97265625,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.171753391623497},{"word":"because","start":1112.5349,"end":1112.855,"confidence":0.9980469,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07733859866857529},{"word":"of","start":1112.855,"end":1112.9349,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08109091222286224},{"word":"that","start":1112.9349,"end":1113.1749,"confidence":0.98657227,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.06678362935781479},{"word":"where","start":1113.1749,"end":1113.4149,"confidence":0.9980469,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":-0.02891615219414234},{"word":"do","start":1113.4149,"end":1113.575,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03134789317846298},{"word":"you","start":1113.575,"end":1113.6549,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.021079428493976593},{"word":"think","start":1113.6549,"end":1113.895,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.029151633381843567},{"word":"you","start":1113.895,"end":1114.0549,"confidence":0.9482422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.035691700875759125},{"word":"fit","start":1114.0549,"end":1114.5549,"confidence":0.9313965,"punctuated_word":"fit?","sentiment":"neutral","sentiment_score":-0.031090982258319855},{"word":"the","start":1114.9349,"end":1115.1749,"confidence":0.49804688,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.006227790378034115},{"word":"medium","start":1115.1749,"end":1115.6749,"confidence":0.98095703,"punctuated_word":"medium?","sentiment":"neutral","sentiment_score":0.008203906938433647},{"word":"yep","start":1115.815,"end":1116.315,"confidence":0.91552734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09265026450157166},{"word":"beautiful","start":1117.255,"end":1117.755,"confidence":0.98339844,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2868441939353943},{"word":"and","start":1118.375,"end":1118.615,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07105960696935654},{"word":"have","start":1118.615,"end":1118.7749,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03166693076491356},{"word":"you","start":1118.7749,"end":1118.9349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035389985889196396},{"word":"ever","start":1118.9349,"end":1119.255,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.03997981548309326},{"word":"thought","start":1119.255,"end":1119.575,"confidence":0.9951172,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.03997451066970825},{"word":"about","start":1119.575,"end":1119.895,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04328738898038864},{"word":"borrowing","start":1119.895,"end":1120.395,"confidence":1.0,"punctuated_word":"borrowing","sentiment":"neutral","sentiment_score":0.02301345020532608},{"word":"from","start":1120.455,"end":1120.615,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.00815393403172493},{"word":"a","start":1120.615,"end":1120.7749,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016220560297369957},{"word":"bank","start":1120.7749,"end":1121.015,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.03568057343363762},{"word":"or","start":1121.015,"end":1121.255,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02038828656077385},{"word":"financial","start":1121.255,"end":1121.735,"confidence":0.9970703,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.026417843997478485},{"word":"institution","start":1121.735,"end":1122.235,"confidence":1.0,"punctuated_word":"institution","sentiment":"neutral","sentiment_score":0.01661890372633934},{"word":"in","start":1122.2949,"end":1122.455,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.010737452656030657},{"word":"order","start":1122.455,"end":1122.695,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.020647551864385605},{"word":"to","start":1122.695,"end":1122.855,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026081690564751625},{"word":"invest","start":1122.855,"end":1123.255,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.015307009220123293},{"word":"in","start":1123.255,"end":1123.495,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.044461026787757874},{"word":"shares","start":1123.495,"end":1123.735,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.03838125988841057},{"word":"or","start":1123.735,"end":1123.895,"confidence":0.8803711,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.029119770973920826},{"word":"managed","start":1123.895,"end":1124.2949,"confidence":0.7709961,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.02198031544685364},{"word":"funds","start":1124.2949,"end":1124.615,"confidence":0.95410156,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.021585188806056976},{"word":"or","start":1124.615,"end":1124.7749,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0010926108807325363},{"word":"would","start":1124.7749,"end":1124.9349,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.005915716290473938},{"word":"you","start":1124.9349,"end":1125.095,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00593206100165844},{"word":"only","start":1125.095,"end":1125.335,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.004127701744437218},{"word":"ever","start":1125.335,"end":1125.6549,"confidence":0.9980469,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.01007768139243126},{"word":"do","start":1125.6549,"end":1125.815,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0006115958094596863},{"word":"that","start":1125.815,"end":1125.975,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012932466343045236},{"word":"for","start":1125.975,"end":1126.135,"confidence":0.8708496,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.0025513460859656334},{"word":"say","start":1126.135,"end":1126.59,"confidence":0.99853516,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.007781693246215582},{"word":"property","start":1129.71,"end":1130.21,"confidence":0.9970703,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":0.012421371415257454},{"word":"yep","start":1130.51,"end":1131.01,"confidence":0.75561523,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05903124064207077},{"word":"property","start":1131.39,"end":1131.89,"confidence":0.9729004,"punctuated_word":"Property.","sentiment":"neutral","sentiment_score":0.06794536113739014},{"word":"that's","start":1132.59,"end":1132.9099,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11882831901311874},{"word":"okay","start":1132.9099,"end":1133.23,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09778192639350893},{"word":"do","start":1133.23,"end":1133.39,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.026818787679076195},{"word":"you","start":1133.39,"end":1133.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.044032007455825806},{"word":"wanna","start":1133.63,"end":1133.95,"confidence":0.98291016,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06917931139469147},{"word":"own","start":1133.95,"end":1134.11,"confidence":0.9921875,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.08051427453756332},{"word":"more","start":1134.11,"end":1134.27,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.035276513546705246},{"word":"property","start":1134.27,"end":1134.6699,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.054932400584220886},{"word":"in","start":1134.6699,"end":1134.75,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04882919415831566},{"word":"the","start":1134.75,"end":1134.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06313438713550568},{"word":"future","start":1134.83,"end":1135.15,"confidence":0.8913574,"punctuated_word":"future,","sentiment":"neutral","sentiment_score":0.06778685748577118},{"word":"or","start":1135.15,"end":1135.3099,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05518105626106262},{"word":"you're","start":1135.3099,"end":1135.39,"confidence":0.7883301,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07188979536294937},{"word":"happy","start":1135.39,"end":1135.71,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.10024521499872208},{"word":"this","start":1135.71,"end":1135.87,"confidence":0.70214844,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.19008073210716248},{"word":"is","start":1135.87,"end":1136.0299,"confidence":0.9667969,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1549516320228577},{"word":"your","start":1136.0299,"end":1136.19,"confidence":0.8408203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07707210630178452},{"word":"main","start":1136.19,"end":1136.4299,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.16086141765117645},{"word":"primary","start":1136.4299,"end":1136.83,"confidence":0.9951172,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.12078464776277542},{"word":"residence","start":1136.83,"end":1137.33,"confidence":0.80981445,"punctuated_word":"residence?","sentiment":"neutral","sentiment_score":0.08684326708316803},{"word":"what's","start":1137.39,"end":1137.71,"confidence":0.94311523,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.03855038434267044},{"word":"the","start":1137.71,"end":1137.87,"confidence":0.47753906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03026362881064415},{"word":"sort","start":1137.87,"end":1138.0299,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15148627758026123},{"word":"of","start":1138.0299,"end":1138.19,"confidence":0.82958984,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18595778942108152},{"word":"goal","start":1138.19,"end":1138.51,"confidence":0.9428711,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.20769266784191132},{"word":"property","start":1138.51,"end":1139.01,"confidence":0.9350586,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.22283753752708435},{"word":"yep","start":1140.365,"end":1140.865,"confidence":0.94433594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1632538139820099},{"word":"that's","start":1141.1649,"end":1141.485,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.33098286390304565},{"word":"absolutely","start":1141.485,"end":1141.985,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.32951974868774414},{"word":"fine","start":1142.2849,"end":1142.7849,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2983754277229309},{"word":"so","start":1143.645,"end":1143.8049,"confidence":0.6870117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1850907802581787},{"word":"looking","start":1143.8049,"end":1144.125,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.15970411896705627},{"word":"at","start":1144.125,"end":1144.2849,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1315532624721527},{"word":"that","start":1144.2849,"end":1144.445,"confidence":0.9970703,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.17120002210140228},{"word":"you","start":1144.445,"end":1144.605,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16861914098262787},{"word":"have","start":1144.605,"end":1144.9249,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13793326914310455},{"word":"scored","start":1144.9249,"end":1145.245,"confidence":0.97802734,"punctuated_word":"scored","sentiment":"neutral","sentiment_score":0.17300927639007568},{"word":"there","start":1145.245,"end":1145.4049,"confidence":0.5722656,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.18667437136173248},{"word":"in","start":1145.4049,"end":1145.565,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2209001183509827},{"word":"that","start":1145.565,"end":1145.8049,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1932101249694824},{"word":"growth","start":1145.8049,"end":1146.125,"confidence":0.9658203,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.21434494853019712},{"word":"range","start":1146.125,"end":1146.5249,"confidence":0.9189453,"punctuated_word":"range.","sentiment":"neutral","sentiment_score":0.14784911274909973},{"word":"so","start":1146.5249,"end":1146.6849,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12585368752479553},{"word":"it","start":1146.6849,"end":1146.845,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1178399994969368},{"word":"sees","start":1146.845,"end":1147.085,"confidence":0.63183594,"punctuated_word":"sees","sentiment":"neutral","sentiment_score":0.10670527815818788},{"word":"an","start":1147.085,"end":1147.325,"confidence":0.97509766,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1459653526544571},{"word":"eighty","start":1147.325,"end":1147.565,"confidence":0.9980469,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.11834679543972015},{"word":"twenty","start":1147.565,"end":1147.885,"confidence":0.6123047,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.11833418905735016},{"word":"split","start":1147.885,"end":1148.205,"confidence":0.87890625,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.13061097264289856},{"word":"to","start":1148.205,"end":1148.365,"confidence":0.70947266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09184375405311584},{"word":"80%","start":1148.365,"end":1149.005,"confidence":0.99902344,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.1163886785507202},{"word":"growth","start":1149.005,"end":1149.245,"confidence":0.9604492,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.11977000534534454},{"word":"assets","start":1149.245,"end":1149.725,"confidence":1.0,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.11999011784791946},{"word":"like","start":1149.725,"end":1149.965,"confidence":0.6953125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10776393115520476},{"word":"australian","start":1149.965,"end":1150.445,"confidence":0.98828125,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.10439281165599824},{"word":"international","start":1150.445,"end":1150.945,"confidence":0.8286133,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.09540431201457976},{"word":"shares","start":1151.1649,"end":1151.565,"confidence":0.7236328,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.10108834505081175},{"word":"listed","start":1151.565,"end":1151.965,"confidence":0.98535156,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.09717948734760284},{"word":"property","start":1151.965,"end":1152.445,"confidence":0.8300781,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.08910586684942245},{"word":"and","start":1152.445,"end":1152.5249,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06497743725776672},{"word":"commodities","start":1152.5249,"end":1153.0249,"confidence":0.99902344,"punctuated_word":"commodities","sentiment":"neutral","sentiment_score":0.08731959015130997},{"word":"like","start":1153.1649,"end":1153.4049,"confidence":0.8720703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08040782809257507},{"word":"gold","start":1153.4049,"end":1153.645,"confidence":0.99609375,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.08909223973751068},{"word":"and","start":1153.645,"end":1153.8049,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07512106001377106},{"word":"silver","start":1153.8049,"end":1154.3049,"confidence":0.86450195,"punctuated_word":"silver,","sentiment":"neutral","sentiment_score":0.08341790735721588},{"word":"and","start":1154.5901,"end":1154.75,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07875774800777435},{"word":"then","start":1154.75,"end":1154.8301,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09159700572490692},{"word":"20%","start":1154.8301,"end":1155.63,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.12823325395584106},{"word":"in","start":1155.63,"end":1155.79,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07936974614858627},{"word":"low","start":1155.79,"end":1156.03,"confidence":0.99121094,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.06782878190279007},{"word":"risk","start":1156.03,"end":1156.27,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.008771412074565887},{"word":"defensive","start":1156.27,"end":1156.77,"confidence":0.9316406,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.048761606216430664},{"word":"investments","start":1156.8301,"end":1157.3301,"confidence":0.9921875,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05663711950182915},{"word":"like","start":1157.39,"end":1157.7101,"confidence":0.93359375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10400465130805968},{"word":"cash","start":1157.7101,"end":1158.1101,"confidence":0.95703125,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.10120126605033876},{"word":"bonds","start":1158.1101,"end":1158.43,"confidence":0.9663086,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.09575580060482024},{"word":"and","start":1158.43,"end":1158.67,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07920251786708832},{"word":"fixed","start":1158.67,"end":1158.9901,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.0709172859787941},{"word":"interest","start":1158.9901,"end":1159.4901,"confidence":0.9626465,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.05424095690250397},{"word":"this","start":1159.9501,"end":1160.1901,"confidence":0.7324219,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.044888243079185486},{"word":"suits","start":1160.1901,"end":1160.51,"confidence":0.875,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.012166067957878113},{"word":"someone","start":1160.51,"end":1160.8301,"confidence":0.99902344,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.02509913593530655},{"word":"who","start":1160.8301,"end":1160.91,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.014878399670124054},{"word":"has","start":1160.91,"end":1161.0701,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.01098300889134407},{"word":"at","start":1161.0701,"end":1161.2301,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0007732994854450226},{"word":"least","start":1161.2301,"end":1161.4701,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.04057614505290985},{"word":"six","start":1161.4701,"end":1161.7101,"confidence":0.9970703,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.013068776577711104},{"word":"years","start":1161.7101,"end":1161.9501,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.0034461505711078644},{"word":"before","start":1161.9501,"end":1162.3501,"confidence":0.97998047,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.001991093158721924},{"word":"accessing","start":1162.3501,"end":1162.8301,"confidence":1.0,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":-0.0016648173332214355},{"word":"their","start":1162.8301,"end":1163.0701,"confidence":0.9980469,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.021253377199172977},{"word":"money","start":1163.0701,"end":1163.4701,"confidence":0.92993164,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.01698269695043564},{"word":"you've","start":1163.4701,"end":1163.79,"confidence":0.9797363,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.02391362003982067},{"word":"got","start":1163.79,"end":1164.03,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02456565946340561},{"word":"more","start":1164.03,"end":1164.27,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0035043954849243164},{"word":"than","start":1164.27,"end":1164.43,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.014823995530605316},{"word":"that","start":1164.43,"end":1164.67,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03325410187244415},{"word":"ahead","start":1164.67,"end":1164.9901,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":-0.02525198459625244},{"word":"of","start":1164.9901,"end":1165.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.034245871007442474},{"word":"you","start":1165.15,"end":1165.65,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.023054957389831543},{"word":"we","start":1166.03,"end":1166.27,"confidence":0.96972656,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.1699564903974533},{"word":"do","start":1166.27,"end":1166.51,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.17896965146064758},{"word":"expect","start":1166.51,"end":1166.8301,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.19057141244411469},{"word":"a","start":1166.8301,"end":1166.91,"confidence":0.73339844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18215477466583252},{"word":"likelihood","start":1166.91,"end":1167.41,"confidence":0.9550781,"punctuated_word":"likelihood","sentiment":"neutral","sentiment_score":-0.23617582023143768},{"word":"of","start":1167.55,"end":1167.7101,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2139144241809845},{"word":"a","start":1167.7101,"end":1167.87,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27461838722229004},{"word":"negative","start":1167.87,"end":1168.27,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.2669675350189209},{"word":"return","start":1168.27,"end":1168.67,"confidence":0.79589844,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":-0.27775782346725464},{"word":"say","start":1168.67,"end":1168.91,"confidence":0.8754883,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.2386152446269989},{"word":"one","start":1168.91,"end":1169.145,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.21927392482757568},{"word":"in","start":1169.145,"end":1169.385,"confidence":0.9707031,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18412111699581143},{"word":"every","start":1169.385,"end":1169.625,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.13670943677425385},{"word":"five","start":1169.625,"end":1169.865,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.19169068336486816},{"word":"years","start":1169.865,"end":1170.345,"confidence":0.9790039,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.19234731793403623},{"word":"and","start":1170.345,"end":1170.505,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.121171236038208},{"word":"as","start":1170.505,"end":1170.665,"confidence":0.98535156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07364193350076675},{"word":"i","start":1170.665,"end":1170.745,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04618547111749649},{"word":"said","start":1170.745,"end":1170.905,"confidence":0.96240234,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.0018189549446105957},{"word":"before","start":1170.905,"end":1171.225,"confidence":0.99902344,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.04462761431932449},{"word":"we're","start":1171.225,"end":1171.465,"confidence":0.97143555,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06792435050010681},{"word":"kind","start":1171.465,"end":1171.7051,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.09281815588474274},{"word":"of","start":1171.7051,"end":1172.025,"confidence":0.94921875,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.09406346082687378},{"word":"wanting","start":1172.265,"end":1172.585,"confidence":0.9770508,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.08080926537513733},{"word":"to","start":1172.585,"end":1172.665,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08922971785068512},{"word":"try","start":1172.665,"end":1172.905,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.0919925794005394},{"word":"and","start":1172.905,"end":1173.0651,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08225073665380478},{"word":"get","start":1173.0651,"end":1173.305,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09212557226419447},{"word":"about","start":1173.305,"end":1173.625,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.09427329152822496},{"word":"seven","start":1173.625,"end":1173.9451,"confidence":0.9970703,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.11021657288074492},{"word":"to","start":1173.9451,"end":1174.025,"confidence":0.96777344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09571132063865662},{"word":"9%","start":1174.025,"end":1174.585,"confidence":1.0,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":-0.10721241682767868},{"word":"on","start":1174.585,"end":1174.745,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07281993329524994},{"word":"a","start":1174.745,"end":1174.8251,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10602086782455444},{"word":"yearly","start":1174.8251,"end":1175.225,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":-0.08566842973232269},{"word":"basis","start":1175.225,"end":1175.545,"confidence":0.9291992,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":-0.09515690803527832},{"word":"so","start":1175.545,"end":1175.7051,"confidence":0.96972656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0760824978351593},{"word":"anything","start":1175.7051,"end":1176.105,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.07536117732524872},{"word":"over","start":1176.105,"end":1176.345,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.1286407709121704},{"word":"that","start":1176.345,"end":1176.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0474611297249794},{"word":"9%","start":1176.585,"end":1177.145,"confidence":0.99902344,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":-0.03793944418430328},{"word":"isn't","start":1177.145,"end":1177.465,"confidence":0.98657227,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.07352980971336365},{"word":"over","start":1177.465,"end":1177.785,"confidence":0.98535156,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.12317567318677902},{"word":"full","start":1177.785,"end":1178.025,"confidence":0.43432617,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.0695841982960701},{"word":"performance","start":1178.025,"end":1178.525,"confidence":0.8100586,"punctuated_word":"performance.","sentiment":"neutral","sentiment_score":-0.12555359303951263},{"word":"it's","start":1178.585,"end":1178.8251,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.26158469915390015},{"word":"done","start":1178.8251,"end":1179.0651,"confidence":0.9921875,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2396767884492874},{"word":"really","start":1179.0651,"end":1179.385,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.33531448245048523},{"word":"well","start":1179.385,"end":1179.885,"confidence":0.99365234,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13381072878837583},{"word":"anything","start":1179.9451,"end":1180.345,"confidence":1.0,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":-0.03548385947942734},{"word":"under","start":1180.345,"end":1180.585,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.05758795887231827},{"word":"that","start":1180.585,"end":1180.8251,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05394307523965835},{"word":"7%","start":1180.8251,"end":1181.385,"confidence":1.0,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":-0.09543482959270476},{"word":"isn't","start":1181.385,"end":1181.785,"confidence":0.9770508,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.11256718635559082},{"word":"under","start":1181.785,"end":1182.025,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.11696086823940276},{"word":"performance","start":1182.025,"end":1182.505,"confidence":0.6459961,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":-0.1664920300245285},{"word":"and","start":1182.505,"end":1182.665,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12009042501449584},{"word":"we","start":1182.665,"end":1182.8251,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07343802601099014},{"word":"wanna","start":1182.8251,"end":1183.145,"confidence":0.9819336,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.026478584855794907},{"word":"make","start":1183.145,"end":1183.44,"confidence":0.9667969,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.056910231709480286},{"word":"sure","start":1183.44,"end":1183.6,"confidence":0.97314453,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.055879950523376465},{"word":"that","start":1183.6,"end":1183.7599,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03160395473241806},{"word":"it's","start":1183.7599,"end":1183.9199,"confidence":0.8125,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04113730788230896},{"word":"either","start":1183.9199,"end":1184.1599,"confidence":0.9980469,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.010017618536949158},{"word":"the","start":1184.1599,"end":1184.48,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0380990207195282},{"word":"performance","start":1184.48,"end":1184.8799,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.062237970530986786},{"word":"of","start":1184.8799,"end":1185.0399,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.034427374601364136},{"word":"the","start":1185.0399,"end":1185.2,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.057458676397800446},{"word":"fund","start":1185.2,"end":1185.5199,"confidence":0.8828125,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.058170683681964874},{"word":"like","start":1185.5199,"end":1185.7599,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.012525945901870728},{"word":"what's","start":1185.7599,"end":1186.1599,"confidence":0.8869629,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.01518287044018507},{"word":"happening","start":1186.1599,"end":1186.5599,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.014412127435207369},{"word":"within","start":1186.5599,"end":1186.96,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.003898277878761291},{"word":"the","start":1186.96,"end":1187.12,"confidence":0.9506836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002755895256996155},{"word":"individual","start":1187.12,"end":1187.62,"confidence":0.99902344,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":-0.0033218637108802795},{"word":"investments","start":1187.7599,"end":1188.2599,"confidence":0.7463379,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.02986288256943226},{"word":"or","start":1188.7999,"end":1189.0399,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.009005650877952576},{"word":"if","start":1189.0399,"end":1189.2,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.031004318967461583},{"word":"it's","start":1189.2,"end":1189.44,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.026918871328234673},{"word":"because","start":1189.44,"end":1189.7599,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02991817891597748},{"word":"of","start":1189.7599,"end":1189.9199,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0019158050417900083},{"word":"market","start":1189.9199,"end":1190.3999,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.028469428420066833},{"word":"reactions","start":1190.3999,"end":1190.8799,"confidence":0.8276367,"punctuated_word":"reactions,","sentiment":"neutral","sentiment_score":-0.050318393856287},{"word":"then","start":1190.8799,"end":1191.0399,"confidence":0.9267578,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.019583411514759064},{"word":"it's","start":1191.0399,"end":1191.2799,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03624243289232254},{"word":"completely","start":1191.2799,"end":1191.7799,"confidence":1.0,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.01431320607662201},{"word":"understandable","start":1192.0,"end":1192.5,"confidence":0.9995117,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":-0.030223337933421135},{"word":"okay","start":1192.96,"end":1193.44,"confidence":0.782959,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.016394775360822678},{"word":"does","start":1193.44,"end":1193.6,"confidence":0.97265625,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.017435435205698013},{"word":"that","start":1193.6,"end":1193.84,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024260081350803375},{"word":"all","start":1193.84,"end":1194.08,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07099208235740662},{"word":"make","start":1194.08,"end":1194.32,"confidence":0.98828125,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04998389631509781},{"word":"sense","start":1194.32,"end":1194.6399,"confidence":0.99902344,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.037343330681324005},{"word":"do","start":1194.6399,"end":1194.8799,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.02298789843916893},{"word":"you","start":1194.8799,"end":1195.0399,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023657014593482018},{"word":"have","start":1195.0399,"end":1195.2799,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.019749561324715614},{"word":"questions","start":1195.2799,"end":1195.7799,"confidence":1.0,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.031573135405778885},{"word":"you're","start":1195.84,"end":1196.08,"confidence":1.0,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2662462592124939},{"word":"welcome","start":1196.08,"end":1196.3999,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.5385160446166992},{"word":"to","start":1196.3999,"end":1196.5599,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3778890371322632},{"word":"let","start":1196.5599,"end":1196.72,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.399038165807724},{"word":"me","start":1196.72,"end":1196.8799,"confidence":0.99902344,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.40079042315483093},{"word":"know","start":1196.8799,"end":1197.0399,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.4686760902404785},{"word":"if","start":1197.0399,"end":1197.2,"confidence":0.9921875,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3924146294593811},{"word":"you","start":1197.2,"end":1197.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31093183159828186},{"word":"do","start":1197.36,"end":1197.525,"confidence":0.9975586,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.24071671068668363},{"word":"fantastic","start":1200.725,"end":1201.225,"confidence":0.9946289,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6240946650505066},{"word":"the","start":1202.485,"end":1202.725,"confidence":0.8198242,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.20719057321548465},{"word":"only","start":1202.725,"end":1202.965,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0263502299785614},{"word":"other","start":1202.965,"end":1203.2051,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.004723846912384033},{"word":"thing","start":1203.2051,"end":1203.4451,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.03092365711927414},{"word":"now","start":1203.4451,"end":1203.605,"confidence":0.5498047,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.043678268790245056},{"word":"just","start":1203.765,"end":1204.005,"confidence":0.67285156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.030228041112422943},{"word":"updating","start":1204.005,"end":1204.405,"confidence":0.99902344,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":-0.023084856569767},{"word":"here","start":1204.405,"end":1204.645,"confidence":0.7548828,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.03256237879395485},{"word":"you","start":1204.645,"end":1204.725,"confidence":0.96777344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04609687253832817},{"word":"said","start":1204.725,"end":1204.965,"confidence":0.9970703,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.016691386699676514},{"word":"you're","start":1204.965,"end":1205.045,"confidence":0.9885254,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.09929268807172777},{"word":"not","start":1205.045,"end":1205.285,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.155987486243248},{"word":"really","start":1205.285,"end":1205.4451,"confidence":0.9980469,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1571180671453476},{"word":"saving","start":1205.4451,"end":1205.845,"confidence":1.0,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":-0.16977667808532715},{"word":"much","start":1205.845,"end":1206.0851,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.22438515722751615},{"word":"at","start":1206.0851,"end":1206.165,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.28660959005355835},{"word":"the","start":1206.165,"end":1206.245,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20358306169509888},{"word":"moment","start":1206.245,"end":1206.645,"confidence":0.98999023,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.257754385471344},{"word":"everything's","start":1206.645,"end":1207.125,"confidence":0.9506836,"punctuated_word":"Everything's","sentiment":"neutral","sentiment_score":-0.1227267012000084},{"word":"kinda","start":1207.125,"end":1207.4451,"confidence":0.8730469,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.05796085670590401},{"word":"going","start":1207.4451,"end":1207.765,"confidence":0.9941406,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.08761294186115265},{"word":"into","start":1207.765,"end":1208.005,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.03427372872829437},{"word":"your","start":1208.005,"end":1208.405,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06678701192140579},{"word":"expenditure","start":1208.405,"end":1208.905,"confidence":0.967041,"punctuated_word":"expenditure.","sentiment":"neutral","sentiment_score":-0.08480013161897659},{"word":"if","start":1210.965,"end":1211.2051,"confidence":0.6645508,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.04680228978395462},{"word":"yeah","start":1211.685,"end":1212.185,"confidence":0.98339844,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.16593335568904877},{"word":"perfect","start":1212.9,"end":1213.3,"confidence":0.5704346,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5216397047042847},{"word":"so","start":1213.3,"end":1213.62,"confidence":0.82177734,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.35563039779663086},{"word":"i'll","start":1213.62,"end":1213.7001,"confidence":0.9538574,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4670146405696869},{"word":"keep","start":1213.7001,"end":1213.9401,"confidence":0.94140625,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4502012431621551},{"word":"you","start":1213.9401,"end":1214.02,"confidence":0.5439453,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5024904012680054},{"word":"in","start":1214.02,"end":1214.18,"confidence":0.6953125,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.43168187141418457},{"word":"that","start":1214.18,"end":1214.3401,"confidence":0.9921875,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3686931431293487},{"word":"kind","start":1214.3401,"end":1214.5,"confidence":0.6254883,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.27752387523651123},{"word":"of","start":1214.5,"end":1214.5801,"confidence":0.9941406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3729546070098877},{"word":"growth","start":1214.5801,"end":1214.98,"confidence":0.9790039,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.408737987279892},{"word":"environment","start":1214.98,"end":1215.48,"confidence":0.9951172,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.3541334867477417},{"word":"there","start":1215.78,"end":1216.28,"confidence":0.9970703,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2298684120178223},{"word":"the","start":1217.3,"end":1217.38,"confidence":0.82373047,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.023732908070087433},{"word":"next","start":1217.38,"end":1217.7001,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.031847961246967316},{"word":"sort","start":1217.7001,"end":1217.9401,"confidence":0.73291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05695276707410813},{"word":"of","start":1217.9401,"end":1218.02,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04230893030762672},{"word":"five","start":1218.02,"end":1218.3401,"confidence":0.9980469,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.020099952816963196},{"word":"to","start":1218.3401,"end":1218.42,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006023228168487549},{"word":"six","start":1218.42,"end":1218.74,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.028500519692897797},{"word":"years","start":1218.74,"end":1219.06,"confidence":0.95703125,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.04931880533695221},{"word":"we","start":1219.06,"end":1219.2201,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06196094304323197},{"word":"have","start":1219.2201,"end":1219.54,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09292012453079224},{"word":"medium","start":1219.54,"end":1219.9401,"confidence":0.9980469,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.07651633769273758},{"word":"term","start":1219.9401,"end":1220.26,"confidence":0.9970703,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.1488102376461029},{"word":"goals","start":1220.26,"end":1220.66,"confidence":0.9873047,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.08430531620979309},{"word":"here","start":1220.66,"end":1221.06,"confidence":0.9863281,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.10540175437927246},{"word":"is","start":1221.06,"end":1221.56,"confidence":0.74365234,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0988464057445526},{"word":"that","start":1221.86,"end":1222.3401,"confidence":0.9560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1278051882982254},{"word":"yourself","start":1222.3401,"end":1222.74,"confidence":0.9560547,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.180492639541626},{"word":"and","start":1222.74,"end":1223.24,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1643131822347641},{"word":"katrina","start":1223.3,"end":1223.8,"confidence":0.64294434,"punctuated_word":"Katrina,","sentiment":"neutral","sentiment_score":0.1511593908071518},{"word":"your","start":1223.9401,"end":1224.1,"confidence":0.94189453,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10851668566465378},{"word":"main","start":1224.1,"end":1224.3401,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.09088146686553956},{"word":"focus","start":1224.3401,"end":1224.66,"confidence":0.9980469,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.07662899047136307},{"word":"there","start":1224.66,"end":1224.9,"confidence":0.984375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08128425478935242},{"word":"was","start":1224.9,"end":1224.98,"confidence":0.98535156,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07765036821365356},{"word":"to","start":1224.98,"end":1225.06,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09229415655136108},{"word":"ensure","start":1225.06,"end":1225.4601,"confidence":0.99902344,"punctuated_word":"ensure","sentiment":"neutral","sentiment_score":0.12033553421497344},{"word":"that","start":1225.4601,"end":1225.62,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1530720442533493},{"word":"the","start":1225.62,"end":1225.7001,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15104572474956512},{"word":"kids","start":1225.7001,"end":1225.9401,"confidence":0.99609375,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.15158812701702118},{"word":"have","start":1225.9401,"end":1226.325,"confidence":0.96435547,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.235694482922554},{"word":"what","start":1226.325,"end":1226.485,"confidence":0.9428711,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.276917040348053},{"word":"they","start":1226.485,"end":1226.6449,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.12177284061908722},{"word":"need","start":1226.6449,"end":1227.1449,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.21174256503582},{"word":"and","start":1227.2849,"end":1227.5249,"confidence":0.6176758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13490009307861328},{"word":"to","start":1227.5249,"end":1227.6849,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13601040840148926},{"word":"take","start":1227.6849,"end":1227.9249,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.17681047320365906},{"word":"each","start":1227.9249,"end":1228.1649,"confidence":0.97998047,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.13895156979560852},{"word":"day","start":1228.1649,"end":1228.485,"confidence":0.99609375,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.19336120784282684},{"word":"as","start":1228.485,"end":1228.725,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12196704745292664},{"word":"it","start":1228.725,"end":1228.885,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11361313611268996},{"word":"comes","start":1228.885,"end":1229.385,"confidence":0.99609375,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.12717494368553162},{"word":"and","start":1229.5249,"end":1229.7649,"confidence":0.9223633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0858638733625412},{"word":"to","start":1229.7649,"end":1229.845,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06970785558223724},{"word":"take","start":1229.845,"end":1230.085,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.10485105216503143},{"word":"some","start":1230.085,"end":1230.485,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04967978596687317},{"word":"small","start":1230.485,"end":1230.885,"confidence":0.99902344,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.12149576097726822},{"word":"family","start":1230.885,"end":1231.2849,"confidence":0.99902344,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.08426769077777863},{"word":"trips","start":1231.2849,"end":1231.6849,"confidence":1.0,"punctuated_word":"trips","sentiment":"neutral","sentiment_score":0.10149745643138884},{"word":"away","start":1231.6849,"end":1232.1849,"confidence":0.99853516,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":0.05850466340780258},{"word":"is","start":1232.965,"end":1233.125,"confidence":0.8100586,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0566052682697773},{"word":"that","start":1233.125,"end":1233.365,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0869755819439888},{"word":"still","start":1233.365,"end":1233.605,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2573480010032654},{"word":"kind","start":1233.605,"end":1233.845,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08099174499511719},{"word":"of","start":1233.845,"end":1233.9249,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12908229231834412},{"word":"your","start":1233.9249,"end":1234.1649,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09973391890525818},{"word":"medium","start":1234.1649,"end":1234.565,"confidence":0.9863281,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.0997978448867798},{"word":"term","start":1234.565,"end":1234.885,"confidence":0.9951172,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.16566559672355652},{"word":"goal","start":1234.885,"end":1235.385,"confidence":0.81274414,"punctuated_word":"goal?","sentiment":"neutral","sentiment_score":0.09819070249795914},{"word":"have","start":1235.445,"end":1235.605,"confidence":0.8769531,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.06667868047952652},{"word":"you","start":1235.605,"end":1235.7649,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07866694033145905},{"word":"been","start":1235.7649,"end":1236.005,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.10815464705228806},{"word":"able","start":1236.005,"end":1236.245,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.10050077736377716},{"word":"to","start":1236.245,"end":1236.4049,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0927303433418274},{"word":"do","start":1236.4049,"end":1236.565,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07520934194326401},{"word":"that","start":1236.565,"end":1237.065,"confidence":0.99853516,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.06505098193883896},{"word":"yeah","start":1243.9801,"end":1244.4801,"confidence":0.84399414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02000647410750389},{"word":"have","start":1246.8601,"end":1247.1001,"confidence":0.58740234,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.027347031980752945},{"word":"you","start":1247.1001,"end":1247.18,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035549335181713104},{"word":"got","start":1247.18,"end":1247.42,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.040486790239810944},{"word":"any","start":1247.42,"end":1247.66,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04257715493440628},{"word":"kind","start":1247.66,"end":1247.9,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04635569825768471},{"word":"of","start":1247.9,"end":1248.14,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.042392365634441376},{"word":"ideas","start":1248.14,"end":1248.4601,"confidence":0.99609375,"punctuated_word":"ideas","sentiment":"neutral","sentiment_score":0.0555504746735096},{"word":"on","start":1248.4601,"end":1248.62,"confidence":0.9863281,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06015195697546005},{"word":"where","start":1248.62,"end":1248.8601,"confidence":0.9951172,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.07545153796672821},{"word":"you'd","start":1248.8601,"end":1249.18,"confidence":1.0,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.06191948056221008},{"word":"like","start":1249.18,"end":1249.42,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07465416938066483},{"word":"to","start":1249.42,"end":1249.5801,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06391559541225433},{"word":"go","start":1249.5801,"end":1249.8201,"confidence":0.91015625,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.05982965975999832},{"word":"what","start":1249.8201,"end":1250.06,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.03036373481154442},{"word":"kind","start":1250.06,"end":1250.2201,"confidence":1.0,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.033267661929130554},{"word":"of","start":1250.2201,"end":1250.7201,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03634517639875412},{"word":"camping","start":1250.8601,"end":1251.3401,"confidence":0.99902344,"punctuated_word":"camping","sentiment":"neutral","sentiment_score":0.0518265999853611},{"word":"or","start":1251.3401,"end":1251.6602,"confidence":0.8154297,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.028450578451156616},{"word":"a","start":1251.6602,"end":1251.9801,"confidence":0.50683594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026684101670980453},{"word":"bit","start":1251.9801,"end":1252.2201,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.018447130918502808},{"word":"further","start":1252.2201,"end":1252.4601,"confidence":0.9472656,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.0143936425447464},{"word":"away","start":1252.4601,"end":1252.9601,"confidence":0.99853516,"punctuated_word":"away?","sentiment":"neutral","sentiment_score":-0.024345196783542633},{"word":"yeah","start":1260.5951,"end":1260.995,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09336943179368971},{"word":"absolutely","start":1260.995,"end":1261.495,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.17833644151687622},{"word":"absolutely","start":1261.875,"end":1262.375,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.14246726036071777},{"word":"and","start":1262.515,"end":1262.8351,"confidence":0.9838867,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11379746347665788},{"word":"we","start":1262.8351,"end":1263.0751,"confidence":0.87597656,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10919485986232758},{"word":"wanted","start":1263.0751,"end":1263.395,"confidence":0.98828125,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1045585423707962},{"word":"to","start":1263.395,"end":1263.4751,"confidence":0.9428711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14921638369560242},{"word":"one","start":1263.7151,"end":1263.875,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10997103154659273},{"word":"of","start":1263.875,"end":1263.9551,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12013985216617584},{"word":"the","start":1263.9551,"end":1264.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09355711936950684},{"word":"goals","start":1264.115,"end":1264.3551,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.11048682034015656},{"word":"i","start":1264.3551,"end":1264.515,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1154598742723465},{"word":"had","start":1264.515,"end":1264.675,"confidence":0.97802734,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09728981554508208},{"word":"noted","start":1264.675,"end":1264.915,"confidence":0.99609375,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.11103728413581848},{"word":"here","start":1264.915,"end":1265.2351,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.11498083174228668},{"word":"was","start":1265.2351,"end":1265.395,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.13041843473911283},{"word":"that","start":1265.395,"end":1265.555,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12902280688285828},{"word":"by","start":1265.555,"end":1265.7151,"confidence":0.98291016,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.11390544474124908},{"word":"the","start":1265.7151,"end":1265.795,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10542576014995576},{"word":"time","start":1265.795,"end":1266.035,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.10373295843601228},{"word":"you","start":1266.035,"end":1266.1951,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10607194155454636},{"word":"do","start":1266.1951,"end":1266.435,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11070642620325089},{"word":"retire","start":1266.435,"end":1266.755,"confidence":0.9980469,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.09543997794389723},{"word":"at","start":1266.755,"end":1266.915,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09795407950878143},{"word":"60","start":1266.915,"end":1267.2351,"confidence":0.9946289,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.1262248158454895},{"word":"you","start":1267.2351,"end":1267.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15567204356193542},{"word":"wanna","start":1267.395,"end":1267.7151,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1665167510509491},{"word":"be","start":1267.7151,"end":1267.875,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17251551151275635},{"word":"completely","start":1267.875,"end":1268.3551,"confidence":0.99902344,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.17759637534618378},{"word":"debt","start":1268.3551,"end":1268.5951,"confidence":0.9980469,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.12520164251327515},{"word":"free","start":1268.5951,"end":1268.755,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.15403467416763306},{"word":"and","start":1268.755,"end":1268.915,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1640404909849167},{"word":"have","start":1268.915,"end":1269.0751,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19466005265712735},{"word":"that","start":1269.0751,"end":1269.395,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15286575257778168},{"word":"mortgage","start":1269.395,"end":1269.875,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.10800527036190032},{"word":"down","start":1269.875,"end":1270.375,"confidence":0.9995117,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.08325012773275375},{"word":"when","start":1270.6699,"end":1270.83,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.030378494411706924},{"word":"you","start":1270.83,"end":1270.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024800855666399},{"word":"think","start":1270.99,"end":1271.15,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.052682116627693176},{"word":"about","start":1271.15,"end":1271.47,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.012700622901320456},{"word":"your","start":1271.47,"end":1271.7899,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01583968847990036},{"word":"mortgage","start":1271.7899,"end":1272.19,"confidence":0.9995117,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.006019778549671173},{"word":"is","start":1272.19,"end":1272.4299,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004419168457388878},{"word":"there","start":1272.4299,"end":1272.59,"confidence":0.90722656,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03600537031888962},{"word":"kind","start":1272.59,"end":1272.75,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.027388758957386017},{"word":"of","start":1272.75,"end":1272.9099,"confidence":0.7932129,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.02430756576359272},{"word":"like","start":1272.9099,"end":1273.07,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.029052285477519035},{"word":"a","start":1273.07,"end":1273.23,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0629713162779808},{"word":"goal","start":1273.23,"end":1273.47,"confidence":0.9770508,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.08910396695137024},{"word":"amount","start":1273.47,"end":1273.7899,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.11432819068431854},{"word":"that","start":1273.7899,"end":1273.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06064901128411293},{"word":"you're","start":1273.87,"end":1274.11,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.047542452812194824},{"word":"hoping","start":1274.11,"end":1274.4299,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.06020556762814522},{"word":"to","start":1274.4299,"end":1274.59,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0879826545715332},{"word":"have","start":1274.59,"end":1274.83,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04892289265990257},{"word":"paid","start":1274.83,"end":1275.07,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.12241283059120178},{"word":"off","start":1275.07,"end":1275.23,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.07643598318099976},{"word":"over","start":1275.23,"end":1275.47,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1124933734536171},{"word":"the","start":1275.47,"end":1275.5499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06537434458732605},{"word":"next","start":1275.5499,"end":1275.7899,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06979839503765106},{"word":"sort","start":1275.7899,"end":1275.95,"confidence":0.9326172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02742687240242958},{"word":"of","start":1275.95,"end":1276.11,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07975299656391144},{"word":"five","start":1276.11,"end":1276.35,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.09377580881118774},{"word":"to","start":1276.35,"end":1276.4299,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06563598662614822},{"word":"ten","start":1276.4299,"end":1276.6699,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.0634068101644516},{"word":"years","start":1276.6699,"end":1276.9099,"confidence":0.8833008,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.05341880023479462},{"word":"or","start":1276.9099,"end":1277.15,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0528792105615139},{"word":"you're","start":1277.15,"end":1277.3099,"confidence":0.75146484,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06700115650892258},{"word":"just","start":1277.3099,"end":1277.47,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06905093044042587},{"word":"trying","start":1277.47,"end":1277.7899,"confidence":0.97509766,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.07219918072223663},{"word":"to","start":1277.7899,"end":1277.95,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027527593076229095},{"word":"sort","start":1277.95,"end":1278.19,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.008622951805591583},{"word":"of","start":1278.19,"end":1278.27,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003302261233329773},{"word":"hack","start":1278.27,"end":1278.4299,"confidence":0.9428711,"punctuated_word":"hack","sentiment":"neutral","sentiment_score":-0.007711105048656464},{"word":"at","start":1278.4299,"end":1278.59,"confidence":0.9589844,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03507141023874283},{"word":"it","start":1278.59,"end":1278.83,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06748227775096893},{"word":"as","start":1278.83,"end":1278.9099,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08368396013975143},{"word":"much","start":1278.9099,"end":1279.15,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.09671057760715485},{"word":"as","start":1279.15,"end":1279.23,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11079177260398863},{"word":"you","start":1279.23,"end":1279.39,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08275534212589264},{"word":"possibly","start":1279.39,"end":1279.87,"confidence":0.99902344,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.08801250904798508},{"word":"can","start":1279.87,"end":1280.11,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03949543088674545},{"word":"and","start":1280.11,"end":1280.27,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07479915022850037},{"word":"reduce","start":1280.27,"end":1280.6699,"confidence":0.9580078,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.04567562788724899},{"word":"it","start":1280.6699,"end":1280.75,"confidence":0.97509766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.055088646709918976},{"word":"as","start":1280.75,"end":1280.83,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05294675752520561},{"word":"quickly","start":1280.83,"end":1281.23,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.04343242943286896},{"word":"as","start":1281.23,"end":1281.39,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06404078751802444},{"word":"possible","start":1281.39,"end":1281.89,"confidence":0.9975586,"punctuated_word":"possible?","sentiment":"neutral","sentiment_score":-0.06057804822921753},{"word":"yeah","start":1282.9099,"end":1283.4099,"confidence":0.7507324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11609559506177902},{"word":"yeah","start":1284.6699,"end":1285.1699,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.031154867261648175},{"word":"not","start":1285.3099,"end":1285.47,"confidence":0.9951172,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.010469377040863035},{"word":"a","start":1285.47,"end":1285.63,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0428120456635952},{"word":"problem","start":1285.63,"end":1285.95,"confidence":0.99902344,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":-0.0006753355264663696},{"word":"at","start":1285.95,"end":1286.11,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.044160254299640656},{"word":"all","start":1286.11,"end":1286.27,"confidence":0.9790039,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.006727736443281174},{"word":"a","start":1286.27,"end":1286.565,"confidence":0.7817383,"punctuated_word":"A","sentiment":"negative","sentiment_score":-0.4016177952289582},{"word":"bit","start":1286.565,"end":1286.725,"confidence":0.9819336,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.414418488740921},{"word":"tough","start":1286.725,"end":1286.8049,"confidence":0.71484375,"punctuated_word":"tough","sentiment":"negative","sentiment_score":-0.41269397735595703},{"word":"for","start":1286.8049,"end":1287.3049,"confidence":0.4970703,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.5581384897232056},{"word":"those","start":1287.4049,"end":1287.9049,"confidence":0.9448242,"punctuated_word":"those","sentiment":"negative","sentiment_score":-0.5153437852859497},{"word":"interest","start":1288.0049,"end":1288.4049,"confidence":0.90234375,"punctuated_word":"interest","sentiment":"negative","sentiment_score":-0.5725324153900146},{"word":"rates","start":1288.4049,"end":1288.6449,"confidence":0.98828125,"punctuated_word":"rates","sentiment":"negative","sentiment_score":-0.466422975063324},{"word":"going","start":1288.6449,"end":1288.965,"confidence":0.9951172,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.5834266543388367},{"word":"up","start":1288.965,"end":1289.125,"confidence":1.0,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.5465230941772461},{"word":"and","start":1289.125,"end":1289.2849,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5637974143028259},{"word":"down","start":1289.2849,"end":1289.6849,"confidence":0.9172363,"punctuated_word":"down.","sentiment":"negative","sentiment_score":-0.3651385009288788},{"word":"a","start":1289.6849,"end":1289.7649,"confidence":0.5307617,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.28084203600883484},{"word":"bit","start":1289.7649,"end":1289.9249,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24864792823791504},{"word":"of","start":1289.9249,"end":1290.0049,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27756375074386597},{"word":"a","start":1290.0049,"end":1290.1649,"confidence":0.98095703,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6898999214172363},{"word":"yoyo","start":1290.1649,"end":1290.485,"confidence":0.8435872,"punctuated_word":"yoyo","sentiment":"negative","sentiment_score":-0.6955277323722839},{"word":"at","start":1290.485,"end":1290.6449,"confidence":0.9980469,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.7210156917572021},{"word":"the","start":1290.6449,"end":1290.725,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.6798973679542542},{"word":"moment","start":1290.725,"end":1290.925,"confidence":1.0,"punctuated_word":"moment","sentiment":"negative","sentiment_score":-0.6987067461013794},{"word":"in","start":1290.925,"end":1291.125,"confidence":0.5102539,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.6701472401618958},{"word":"it","start":1291.125,"end":1291.625,"confidence":0.74609375,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.13117477297782898},{"word":"i","start":1292.965,"end":1293.125,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12468764185905457},{"word":"actually","start":1293.125,"end":1293.5249,"confidence":0.98535156,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.13568615913391113},{"word":"kind","start":1293.5249,"end":1293.7649,"confidence":0.9326172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08800143003463745},{"word":"of","start":1293.7649,"end":1294.085,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12373004108667374},{"word":"feel","start":1294.085,"end":1294.325,"confidence":0.9970703,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.14170551300048828},{"word":"for","start":1294.325,"end":1294.485,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1937585324048996},{"word":"it","start":1294.485,"end":1294.6449,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1350480318069458},{"word":"because","start":1294.6449,"end":1294.965,"confidence":0.8762207,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.10433149337768556},{"word":"like","start":1294.965,"end":1295.205,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07615824043750763},{"word":"my","start":1295.205,"end":1295.365,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11237795650959016},{"word":"kids","start":1295.365,"end":1295.6849,"confidence":0.9980469,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.10999706387519836},{"word":"are","start":1295.6849,"end":1295.9249,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1009628400206566},{"word":"seven","start":1295.9249,"end":1296.4049,"confidence":0.99316406,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.07692845165729523},{"word":"19","start":1296.6449,"end":1297.125,"confidence":0.38720703,"punctuated_word":"19","sentiment":"neutral","sentiment_score":0.10938742756843568},{"word":"and","start":1297.125,"end":1297.2849,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0825488492846489},{"word":"20","start":1297.2849,"end":1297.5249,"confidence":0.9550781,"punctuated_word":"20,","sentiment":"neutral","sentiment_score":0.11389712989330292},{"word":"and","start":1297.5249,"end":1297.6849,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05562793463468552},{"word":"i","start":1297.6849,"end":1297.7649,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07989160716533661},{"word":"have","start":1297.7649,"end":1297.9249,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09979993104934692},{"word":"a","start":1297.9249,"end":1298.085,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0959065705537796},{"word":"10","start":1298.085,"end":1298.325,"confidence":0.9980469,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.07592201232910156},{"word":"year","start":1298.325,"end":1298.485,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0807352066040039},{"word":"old","start":1298.485,"end":1298.88,"confidence":0.80615234,"punctuated_word":"old.","sentiment":"neutral","sentiment_score":0.09302981197834016},{"word":"and","start":1299.04,"end":1299.12,"confidence":0.9194336,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.048952918499708176},{"word":"like","start":1299.12,"end":1299.36,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05670889467000961},{"word":"i","start":1299.36,"end":1299.52,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21565157175064087},{"word":"feel","start":1299.52,"end":1299.84,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2367851287126541},{"word":"for","start":1299.84,"end":1299.92,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28876370191574097},{"word":"them","start":1299.92,"end":1300.16,"confidence":0.98999023,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.26081955432891846},{"word":"i","start":1300.16,"end":1300.32,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.49269169569015503},{"word":"love","start":1300.32,"end":1300.56,"confidence":0.99902344,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.5943861603736877},{"word":"that","start":1300.56,"end":1300.64,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5359164476394653},{"word":"my","start":1300.64,"end":1300.8,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.39126378297805786},{"word":"property","start":1300.8,"end":1301.2,"confidence":0.9980469,"punctuated_word":"property","sentiment":"positive","sentiment_score":0.4943106174468994},{"word":"is","start":1301.2,"end":1301.36,"confidence":0.71435547,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4549824595451355},{"word":"increasing","start":1301.36,"end":1301.76,"confidence":1.0,"punctuated_word":"increasing","sentiment":"positive","sentiment_score":0.5975897908210754},{"word":"in","start":1301.76,"end":1301.84,"confidence":0.9873047,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5515369176864624},{"word":"value","start":1301.84,"end":1302.16,"confidence":0.9807129,"punctuated_word":"value,","sentiment":"positive","sentiment_score":0.36795300245285034},{"word":"but","start":1302.16,"end":1302.32,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12299615144729614},{"word":"i","start":1302.32,"end":1302.48,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05740828812122345},{"word":"feel","start":1302.48,"end":1302.72,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2420001924037933},{"word":"for","start":1302.72,"end":1302.8,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25872674584388733},{"word":"them","start":1302.8,"end":1303.04,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.29052624106407166},{"word":"because","start":1303.04,"end":1303.52,"confidence":0.88183594,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08969192951917648},{"word":"without","start":1303.52,"end":1303.92,"confidence":0.99316406,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.11169986426830292},{"word":"my","start":1303.92,"end":1304.08,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.036673933267593384},{"word":"assistance","start":1304.08,"end":1304.48,"confidence":0.99658203,"punctuated_word":"assistance,","sentiment":"neutral","sentiment_score":0.009385719895362854},{"word":"i","start":1304.48,"end":1304.64,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11857938766479492},{"word":"don't","start":1304.64,"end":1304.8,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05249469727277756},{"word":"know","start":1304.8,"end":1304.88,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.044112250208854675},{"word":"what","start":1304.88,"end":1305.12,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1260143220424652},{"word":"they're","start":1305.12,"end":1305.28,"confidence":0.9975586,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.04266510531306267},{"word":"gonna","start":1305.28,"end":1305.52,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.023884199559688568},{"word":"ever","start":1305.52,"end":1305.76,"confidence":0.9970703,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.05269734561443329},{"word":"be","start":1305.76,"end":1305.92,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08982844650745392},{"word":"able","start":1305.92,"end":1306.24,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.12028318643569946},{"word":"to","start":1306.24,"end":1306.4,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1396876871585846},{"word":"own","start":1306.4,"end":1306.56,"confidence":0.9941406,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.18720370531082153},{"word":"or","start":1306.56,"end":1306.64,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10255781561136246},{"word":"buy","start":1306.64,"end":1306.88,"confidence":0.7714844,"punctuated_word":"buy,","sentiment":"neutral","sentiment_score":0.07535606622695923},{"word":"and","start":1306.88,"end":1307.04,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03238964080810547},{"word":"their","start":1307.04,"end":1307.2,"confidence":0.8310547,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.019812583923339844},{"word":"mortgage","start":1307.2,"end":1307.6,"confidence":0.96777344,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.056648313999176025},{"word":"payments","start":1307.6,"end":1308.08,"confidence":0.38793945,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.1607242226600647},{"word":"are","start":1308.08,"end":1308.16,"confidence":0.9790039,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1042417287826538},{"word":"gonna","start":1308.16,"end":1308.4,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08946124464273453},{"word":"be","start":1308.4,"end":1308.56,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15359783172607422},{"word":"through","start":1308.56,"end":1308.8,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06486596167087555},{"word":"the","start":1308.8,"end":1308.96,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19444625079631803},{"word":"roof","start":1308.96,"end":1309.28,"confidence":0.97216797,"punctuated_word":"roof.","sentiment":"neutral","sentiment_score":0.12155147641897202},{"word":"and","start":1309.28,"end":1309.76,"confidence":0.9921875,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.053608208894729614},{"word":"you","start":1309.76,"end":1309.84,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.031854692846536636},{"word":"know","start":1309.84,"end":1310.0,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05013749375939369},{"word":"you've","start":1310.0,"end":1310.24,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.045956000685691833},{"word":"got","start":1310.24,"end":1310.4,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.12328746169805528},{"word":"a","start":1310.4,"end":1310.48,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10422136634588242},{"word":"couple","start":1310.48,"end":1310.72,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.1128988042473793},{"word":"of","start":1310.72,"end":1310.88,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13474972546100616},{"word":"kids","start":1310.88,"end":1311.2,"confidence":0.9980469,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.16687239706516266},{"word":"as","start":1311.2,"end":1311.36,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.21953348815441132},{"word":"well","start":1311.36,"end":1311.6,"confidence":0.8286133,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.18748529255390167},{"word":"so","start":1311.6,"end":1311.76,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.22478213906288147},{"word":"it's","start":1311.76,"end":1312.0,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.35730215907096863},{"word":"pretty","start":1312.0,"end":1312.24,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"negative","sentiment_score":-0.41875794529914856},{"word":"scary","start":1312.24,"end":1312.64,"confidence":0.9980469,"punctuated_word":"scary","sentiment":"negative","sentiment_score":-0.33597704768180847},{"word":"on","start":1312.64,"end":1312.8,"confidence":0.9970703,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.3968331813812256},{"word":"that","start":1312.8,"end":1313.04,"confidence":0.9941406,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3712195754051209},{"word":"behalf","start":1313.04,"end":1313.28,"confidence":0.9177246,"punctuated_word":"behalf,","sentiment":"neutral","sentiment_score":-0.22448834776878357},{"word":"isn't","start":1313.28,"end":1313.625,"confidence":0.9519043,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.17679207026958466},{"word":"it","start":1316.265,"end":1316.665,"confidence":0.99853516,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.09986896067857742},{"word":"yeah","start":1316.665,"end":1317.165,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.047144412994384766},{"word":"oh","start":1317.625,"end":1318.125,"confidence":0.60180664,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.03950861841440201},{"word":"and","start":1318.185,"end":1318.425,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.030818253755569455},{"word":"because","start":1318.425,"end":1318.585,"confidence":0.80908203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.054283589124679565},{"word":"your","start":1318.585,"end":1318.745,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05769804120063782},{"word":"kids","start":1318.745,"end":1319.065,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.03405709192156792},{"word":"are","start":1319.065,"end":1319.305,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.051804300397634506},{"word":"basically","start":1319.305,"end":1319.785,"confidence":0.97998047,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.04129815474152565},{"word":"teenagers","start":1319.785,"end":1320.285,"confidence":0.99902344,"punctuated_word":"teenagers","sentiment":"neutral","sentiment_score":-0.03143163025379181},{"word":"now","start":1320.345,"end":1320.585,"confidence":0.9501953,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.03506234288215637},{"word":"aren't","start":1320.585,"end":1320.825,"confidence":0.99902344,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.008883075788617134},{"word":"they","start":1320.825,"end":1321.325,"confidence":0.9995117,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":-0.0038278531283140182},{"word":"wow","start":1323.385,"end":1323.885,"confidence":0.99609375,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.12237630784511566},{"word":"how","start":1324.345,"end":1324.585,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1632104068994522},{"word":"is","start":1324.585,"end":1324.825,"confidence":0.95166016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15962928533554077},{"word":"that","start":1324.825,"end":1324.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22144390642642975},{"word":"going","start":1324.985,"end":1325.305,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.16125088930130005},{"word":"for","start":1325.305,"end":1325.545,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12041731923818588},{"word":"you","start":1325.545,"end":1326.045,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.11294813454151154},{"word":"yeah","start":1330.6,"end":1331.0,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04923087731003761},{"word":"yeah","start":1331.0,"end":1331.24,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038127124309539795},{"word":"look","start":1331.24,"end":1331.48,"confidence":0.57250977,"punctuated_word":"Look,","sentiment":"neutral","sentiment_score":0.04470280185341835},{"word":"they","start":1331.48,"end":1331.64,"confidence":0.98535156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.02213358134031296},{"word":"did","start":1331.64,"end":1331.7999,"confidence":0.5126953,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05413013696670532},{"word":"come","start":1331.7999,"end":1332.04,"confidence":0.9863281,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.03534872829914093},{"word":"out","start":1332.04,"end":1332.2,"confidence":0.8984375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.031117409467697144},{"word":"the","start":1332.2,"end":1332.36,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007829748094081879},{"word":"other","start":1332.36,"end":1332.6,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.023395873606204987},{"word":"side","start":1332.6,"end":1332.9199,"confidence":0.9724121,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.028373533859848976},{"word":"my","start":1332.9199,"end":1333.16,"confidence":0.99609375,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.030032768845558167},{"word":"19","start":1333.16,"end":1333.48,"confidence":0.9970703,"punctuated_word":"19","sentiment":"neutral","sentiment_score":0.04694032669067383},{"word":"and","start":1333.48,"end":1333.5599,"confidence":0.7939453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0015109330415725708},{"word":"20","start":1333.5599,"end":1333.88,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.027149498462677},{"word":"year","start":1333.88,"end":1333.96,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.033377937972545624},{"word":"old","start":1333.96,"end":1334.2,"confidence":0.9951172,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.05115403234958649},{"word":"are","start":1334.2,"end":1334.36,"confidence":0.9326172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05330095440149307},{"word":"really","start":1334.36,"end":1334.6,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.06469011306762695},{"word":"good","start":1334.6,"end":1334.9199,"confidence":0.9790039,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.04592851549386978},{"word":"but","start":1334.9199,"end":1335.08,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.032572537660598755},{"word":"i","start":1335.08,"end":1335.24,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1164652854204178},{"word":"had","start":1335.24,"end":1335.48,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.09371908009052277},{"word":"girls","start":1335.48,"end":1335.7999,"confidence":0.9980469,"punctuated_word":"girls","sentiment":"neutral","sentiment_score":-0.15874385833740234},{"word":"at","start":1335.7999,"end":1335.96,"confidence":0.93408203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.12606601417064667},{"word":"that","start":1335.96,"end":1336.12,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09381768107414246},{"word":"point","start":1336.12,"end":1336.36,"confidence":0.99194336,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.12167586386203766},{"word":"i'm","start":1336.36,"end":1336.6,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10705071687698364},{"word":"about","start":1336.6,"end":1336.84,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1226918250322342},{"word":"to","start":1336.84,"end":1337.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11052875965833664},{"word":"go","start":1337.0,"end":1337.16,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.13562074303627014},{"word":"through","start":1337.16,"end":1337.32,"confidence":0.9951172,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.07733474671840668},{"word":"it","start":1337.32,"end":1337.4,"confidence":0.7675781,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1304900348186493},{"word":"with","start":1337.4,"end":1337.5599,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.16108262538909912},{"word":"the","start":1337.5599,"end":1337.72,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10052598267793655},{"word":"boys","start":1337.72,"end":1338.04,"confidence":0.88916016,"punctuated_word":"boys,","sentiment":"neutral","sentiment_score":-0.10686913132667542},{"word":"and","start":1338.04,"end":1338.2,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08239661902189255},{"word":"i","start":1338.2,"end":1338.28,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08730247616767883},{"word":"keep","start":1338.28,"end":1338.52,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.0986424759030342},{"word":"saying","start":1338.52,"end":1338.76,"confidence":0.9970703,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.04608267545700073},{"word":"to","start":1338.76,"end":1338.84,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05879562348127365},{"word":"my","start":1338.84,"end":1339.0,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.08170245587825775},{"word":"friends","start":1339.0,"end":1339.32,"confidence":0.91967773,"punctuated_word":"friends,","sentiment":"neutral","sentiment_score":-0.09006461501121521},{"word":"like","start":1339.32,"end":1339.48,"confidence":0.99365234,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0735161304473877},{"word":"any","start":1339.48,"end":1339.7999,"confidence":0.98535156,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.018147870898246765},{"word":"advice","start":1339.7999,"end":1340.12,"confidence":0.8798828,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.015483304858207704},{"word":"on","start":1340.12,"end":1340.36,"confidence":0.9770508,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.008303999900817871},{"word":"boys","start":1340.36,"end":1340.6,"confidence":1.0,"punctuated_word":"boys","sentiment":"neutral","sentiment_score":-0.041498929262161255},{"word":"is","start":1340.6,"end":1340.76,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03120739758014679},{"word":"a","start":1340.76,"end":1340.84,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06356426328420639},{"word":"good","start":1340.84,"end":1341.08,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1340761035680771},{"word":"thing","start":1341.08,"end":1341.24,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.07707865536212921},{"word":"because","start":1341.24,"end":1341.48,"confidence":0.875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04998393356800079},{"word":"it's","start":1341.48,"end":1341.72,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14569495618343353},{"word":"a","start":1341.72,"end":1341.7999,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15071888267993927},{"word":"whole","start":1341.7999,"end":1342.04,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.25251471996307373},{"word":"another","start":1342.04,"end":1342.36,"confidence":0.77246094,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.14230675995349884},{"word":"kettle","start":1342.36,"end":1342.76,"confidence":0.7998047,"punctuated_word":"kettle","sentiment":"neutral","sentiment_score":-0.14459052681922913},{"word":"of","start":1342.76,"end":1342.84,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18816499412059784},{"word":"fish","start":1342.84,"end":1343.34,"confidence":1.0,"punctuated_word":"fish.","sentiment":"neutral","sentiment_score":-0.07007131725549698},{"word":"yeah","start":1345.7749,"end":1346.2749,"confidence":0.97680664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04290167987346649},{"word":"no","start":1346.4149,"end":1346.6549,"confidence":0.9980469,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.028221506625413895},{"word":"all","start":1346.6549,"end":1346.975,"confidence":0.99316406,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.08386367559432983},{"word":"good","start":1346.975,"end":1347.475,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.03582795709371567},{"word":"that's","start":1348.015,"end":1348.4149,"confidence":0.77978516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08120566606521606},{"word":"basically","start":1348.4149,"end":1348.8949,"confidence":0.9921875,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.008597292006015778},{"word":"everything","start":1348.8949,"end":1349.215,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.014371238648891447},{"word":"i","start":1349.215,"end":1349.375,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07701249420642853},{"word":"needed","start":1349.375,"end":1349.695,"confidence":0.9902344,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.07413095235824585},{"word":"to","start":1349.695,"end":1349.7749,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06447339802980423},{"word":"touch","start":1349.7749,"end":1350.015,"confidence":0.9921875,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":-0.026395179331302643},{"word":"on","start":1350.015,"end":1350.1749,"confidence":0.51171875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.044131480157375336},{"word":"at","start":1350.1749,"end":1350.335,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10797780007123949},{"word":"the","start":1350.335,"end":1350.4149,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07311733812093735},{"word":"moment","start":1350.4149,"end":1350.815,"confidence":0.9277344,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.0497504286468029},{"word":"so","start":1350.815,"end":1351.135,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01852421462535858},{"word":"i'll","start":1351.135,"end":1351.375,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.009871071204543114},{"word":"go","start":1351.375,"end":1351.5349,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04871005564928055},{"word":"back","start":1351.5349,"end":1351.7749,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06262671947479248},{"word":"and","start":1351.7749,"end":1351.9349,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03693864494562149},{"word":"do","start":1351.9349,"end":1352.095,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01900412142276764},{"word":"some","start":1352.095,"end":1352.335,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.024726450443267822},{"word":"research","start":1352.335,"end":1352.815,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.020889893174171448},{"word":"for","start":1352.815,"end":1352.975,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01019115000963211},{"word":"you","start":1352.975,"end":1353.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00817938894033432},{"word":"and","start":1353.215,"end":1353.455,"confidence":0.8935547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00934414565563202},{"word":"update","start":1353.455,"end":1353.855,"confidence":0.93408203,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.026729129254817963},{"word":"the","start":1353.855,"end":1354.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044801197946071625},{"word":"advice","start":1354.015,"end":1354.4149,"confidence":0.9941406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.02737850695848465},{"word":"around","start":1354.4149,"end":1354.8949,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.03296753764152527},{"word":"trying","start":1354.8949,"end":1355.215,"confidence":0.7416992,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.02534203976392746},{"word":"to","start":1355.215,"end":1355.455,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024623818695545197},{"word":"consolidate","start":1355.455,"end":1355.9349,"confidence":1.0,"punctuated_word":"consolidate","sentiment":"neutral","sentiment_score":0.038876138627529144},{"word":"everything","start":1355.9349,"end":1356.4349,"confidence":0.83935547,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.044860247522592545},{"word":"keep","start":1356.495,"end":1356.6549,"confidence":0.99902344,"punctuated_word":"Keep","sentiment":"neutral","sentiment_score":0.026563242077827457},{"word":"your","start":1356.6549,"end":1356.8949,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.057592250406742096},{"word":"life","start":1356.8949,"end":1357.135,"confidence":0.9980469,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.04047901928424835},{"word":"in","start":1357.135,"end":1357.2949,"confidence":0.93847656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06014707684516907},{"word":"tpd","start":1357.2949,"end":1357.7749,"confidence":0.97526044,"punctuated_word":"TPD.","sentiment":"neutral","sentiment_score":0.050343435257673264},{"word":"we're","start":1357.7749,"end":1358.015,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.03508953005075455},{"word":"not","start":1358.015,"end":1358.095,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.009087122976779938},{"word":"gonna","start":1358.095,"end":1358.4149,"confidence":0.96435547,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05380797013640404},{"word":"focus","start":1358.4149,"end":1358.815,"confidence":0.99902344,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.004330679774284363},{"word":"on","start":1358.815,"end":1358.975,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.014491431415081024},{"word":"any","start":1358.975,"end":1359.2949,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.03282696753740311},{"word":"trauma","start":1359.2949,"end":1359.695,"confidence":0.9248047,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.09721504151821136},{"word":"child","start":1359.695,"end":1360.015,"confidence":0.99316406,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.08375689387321472},{"word":"trauma","start":1360.015,"end":1360.4149,"confidence":0.9199219,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.047333136200904846},{"word":"or","start":1360.4149,"end":1360.83,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.064451664686203},{"word":"income","start":1361.47,"end":1361.95,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.06650473177433014},{"word":"protection","start":1361.95,"end":1362.45,"confidence":0.89990234,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.04173239320516586},{"word":"at","start":1362.51,"end":1362.6699,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06342287361621857},{"word":"the","start":1362.6699,"end":1362.75,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04289599508047104},{"word":"moment","start":1362.75,"end":1363.07,"confidence":0.99902344,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.005137600004673004},{"word":"we","start":1363.07,"end":1363.3099,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06719425320625305},{"word":"can","start":1363.3099,"end":1363.47,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.101399727165699},{"word":"revisit","start":1363.47,"end":1363.95,"confidence":0.99902344,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.05755189061164856},{"word":"those","start":1363.95,"end":1364.19,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0122564435005188},{"word":"down","start":1364.19,"end":1364.4299,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08455225080251694},{"word":"the","start":1364.4299,"end":1364.51,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07811721414327621},{"word":"track","start":1364.51,"end":1364.75,"confidence":0.9980469,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.06520429998636246},{"word":"if","start":1364.75,"end":1364.99,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11000798642635344},{"word":"you'd","start":1364.99,"end":1365.1499,"confidence":0.9995117,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.08601291477680206},{"word":"like","start":1365.1499,"end":1365.3099,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07636857032775879},{"word":"to","start":1365.3099,"end":1365.8099,"confidence":0.99902344,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.07037881016731262},{"word":"i'll","start":1366.6699,"end":1366.9099,"confidence":0.95092773,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10000990331172945},{"word":"just","start":1366.9099,"end":1367.1499,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1039273366332054},{"word":"focus","start":1367.1499,"end":1367.39,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.0987105444073677},{"word":"on","start":1367.39,"end":1367.63,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17399351298809052},{"word":"getting","start":1367.63,"end":1367.87,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.12922713160514832},{"word":"things","start":1367.87,"end":1368.11,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.14126816391944885},{"word":"consolidated","start":1368.11,"end":1368.61,"confidence":0.98339844,"punctuated_word":"consolidated,","sentiment":"neutral","sentiment_score":0.16545549035072327},{"word":"transferring","start":1368.9099,"end":1369.3099,"confidence":1.0,"punctuated_word":"transferring","sentiment":"neutral","sentiment_score":0.18305613100528717},{"word":"your","start":1369.3099,"end":1369.47,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16981029510498047},{"word":"life","start":1369.47,"end":1369.63,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.15346165001392365},{"word":"and","start":1369.63,"end":1369.87,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18143513798713684},{"word":"tpd","start":1369.87,"end":1370.35,"confidence":0.99902344,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.14501908421516418},{"word":"where","start":1370.35,"end":1370.6699,"confidence":0.9873047,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.18459190428256989},{"word":"appropriate","start":1370.6699,"end":1371.1699,"confidence":0.9416504,"punctuated_word":"appropriate,","sentiment":"neutral","sentiment_score":0.16515563428401947},{"word":"and","start":1371.63,"end":1371.87,"confidence":0.93603516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2056480348110199},{"word":"altering","start":1371.87,"end":1372.35,"confidence":1.0,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.27002429962158203},{"word":"your","start":1372.35,"end":1372.6699,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2284480631351471},{"word":"investments","start":1372.6699,"end":1373.1499,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.13174894452095032},{"word":"within","start":1373.1499,"end":1373.5499,"confidence":0.99316406,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.20019131898880005},{"word":"super","start":1373.5499,"end":1374.0299,"confidence":0.34277344,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.24645979702472687},{"word":"for","start":1374.0299,"end":1374.19,"confidence":0.96777344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29197877645492554},{"word":"you","start":1374.19,"end":1374.69,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15528498589992523},{"word":"the","start":1377.345,"end":1377.585,"confidence":0.9760742,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2394283264875412},{"word":"the","start":1377.585,"end":1377.625,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2658787965774536},{"word":"and","start":1377.6649,"end":1377.745,"confidence":0.6875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04234972596168518},{"word":"the","start":1377.745,"end":1377.9049,"confidence":0.4453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08646143227815628},{"word":"review","start":1377.9049,"end":1378.3049,"confidence":0.9980469,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06660701334476471},{"word":"pack","start":1378.3049,"end":1378.5449,"confidence":0.921875,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.048847537487745285},{"word":"you","start":1378.5449,"end":1378.625,"confidence":0.96240234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07355627417564392},{"word":"will","start":1378.625,"end":1378.7849,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0693267434835434},{"word":"have","start":1378.7849,"end":1379.0249,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07212577760219574},{"word":"in","start":1379.0249,"end":1379.1849,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0865512415766716},{"word":"your","start":1379.1849,"end":1379.345,"confidence":0.9716797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10807672888040544},{"word":"email","start":1379.345,"end":1379.6649,"confidence":0.99609375,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.09664563089609146},{"word":"does","start":1379.6649,"end":1379.825,"confidence":0.99316406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03854375332593918},{"word":"have","start":1379.825,"end":1379.985,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04131704568862915},{"word":"the","start":1379.985,"end":1380.1449,"confidence":0.59765625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03622589260339737},{"word":"on","start":1380.1449,"end":1380.3849,"confidence":0.8886719,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03960778936743736},{"word":"your","start":1380.465,"end":1380.625,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04594030603766441},{"word":"ongoing","start":1380.625,"end":1381.0249,"confidence":0.99609375,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.03453563526272774},{"word":"service","start":1381.0249,"end":1381.4249,"confidence":0.99902344,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.023975757881999016},{"word":"agreement","start":1381.4249,"end":1381.825,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.02656758204102516},{"word":"for","start":1381.825,"end":1381.985,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.026794083416461945},{"word":"the","start":1381.985,"end":1382.065,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03881530463695526},{"word":"next","start":1382.065,"end":1382.3849,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03312349319458008},{"word":"twelve","start":1382.3849,"end":1382.625,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.03336906060576439},{"word":"months","start":1382.625,"end":1382.865,"confidence":0.99609375,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.03459220379590988},{"word":"there","start":1382.865,"end":1383.105,"confidence":0.68969727,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03898613154888153},{"word":"so","start":1383.105,"end":1383.1849,"confidence":0.90771484,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03240557760000229},{"word":"you","start":1383.1849,"end":1383.4249,"confidence":0.95703125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03970795124769211},{"word":"do","start":1383.4249,"end":1383.585,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.018812038004398342},{"word":"pay","start":1383.585,"end":1383.745,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.03101748786866665},{"word":"an","start":1383.745,"end":1383.9049,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.029410935938358307},{"word":"ongoing","start":1383.9049,"end":1384.3849,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.030489852651953697},{"word":"service","start":1384.3849,"end":1384.7849,"confidence":0.99316406,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.01957805268466473},{"word":"fee","start":1384.7849,"end":1385.0249,"confidence":0.984375,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.03045160137116909},{"word":"it","start":1385.0249,"end":1385.105,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02456250786781311},{"word":"is","start":1385.105,"end":1385.345,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.019452909007668495},{"word":"1.65%","start":1385.345,"end":1386.625,"confidence":0.99121094,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.02718610316514969},{"word":"per","start":1386.625,"end":1386.7849,"confidence":0.9902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.03425002843141556},{"word":"annum","start":1386.7849,"end":1387.105,"confidence":0.9749349,"punctuated_word":"annum,","sentiment":"neutral","sentiment_score":0.02793644368648529},{"word":"and","start":1387.105,"end":1387.2649,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.027302149683237076},{"word":"it's","start":1387.2649,"end":1387.505,"confidence":0.9658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02843630127608776},{"word":"deducting","start":1387.505,"end":1387.9049,"confidence":0.93115234,"punctuated_word":"deducting","sentiment":"neutral","sentiment_score":0.03350947052240372},{"word":"a","start":1387.9049,"end":1387.985,"confidence":0.55029297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04533885791897774},{"word":"smaller","start":1387.985,"end":1388.3049,"confidence":0.7651367,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.041580818593502045},{"word":"monthly","start":1388.3049,"end":1388.7849,"confidence":0.99316406,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.02270589955151081},{"word":"increments","start":1388.7849,"end":1389.1849,"confidence":0.54541016,"punctuated_word":"increments","sentiment":"neutral","sentiment_score":0.02989986538887024},{"word":"out","start":1389.1849,"end":1389.4249,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05191660672426224},{"word":"of","start":1389.4249,"end":1389.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04029860347509384},{"word":"your","start":1389.505,"end":1389.745,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04748382419347763},{"word":"super","start":1389.745,"end":1390.065,"confidence":0.9921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04864528402686119},{"word":"for","start":1390.065,"end":1390.225,"confidence":0.9892578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04971501976251602},{"word":"our","start":1390.225,"end":1390.53,"confidence":0.96533203,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05594487488269806},{"word":"services","start":1390.53,"end":1391.01,"confidence":0.96972656,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.02696513570845127},{"word":"there","start":1391.01,"end":1391.51,"confidence":0.9890137,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.061092182993888855},{"word":"if","start":1392.05,"end":1392.21,"confidence":0.44262695,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0618668720126152},{"word":"feel","start":1392.37,"end":1392.53,"confidence":0.9790039,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.05913034453988075},{"word":"free","start":1392.53,"end":1392.77,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.07921211421489716},{"word":"to","start":1392.77,"end":1392.85,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06088495999574661},{"word":"have","start":1392.85,"end":1393.01,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.060587551444768906},{"word":"you","start":1393.01,"end":1393.3301,"confidence":0.6166992,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05467946454882622},{"word":"look","start":1393.3301,"end":1393.65,"confidence":0.75439453,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04055365175008774},{"word":"through","start":1393.65,"end":1393.81,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06057298183441162},{"word":"that","start":1393.81,"end":1393.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09686852991580965},{"word":"one","start":1393.97,"end":1394.29,"confidence":0.8769531,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.06589643657207489},{"word":"i've","start":1394.29,"end":1394.4501,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0786830484867096},{"word":"also","start":1394.4501,"end":1394.85,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.056415855884552},{"word":"got","start":1394.85,"end":1395.17,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08442492038011551},{"word":"all","start":1395.17,"end":1395.3301,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07378749549388885},{"word":"the","start":1395.3301,"end":1395.65,"confidence":0.9589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07174324244260788},{"word":"documents","start":1395.65,"end":1396.13,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.06041829288005829},{"word":"that","start":1396.13,"end":1396.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08622512221336365},{"word":"we","start":1396.29,"end":1396.4501,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0680374726653099},{"word":"had","start":1396.4501,"end":1396.6901,"confidence":0.9819336,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.06330811977386475},{"word":"attached","start":1396.6901,"end":1397.01,"confidence":0.99316406,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.06908970326185226},{"word":"with","start":1397.01,"end":1397.3301,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06480244547128677},{"word":"regard","start":1397.3301,"end":1397.65,"confidence":0.9667969,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.05861841514706611},{"word":"to","start":1397.65,"end":1397.89,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07543250173330307},{"word":"what","start":1397.89,"end":1398.13,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08934655040502548},{"word":"i've","start":1398.13,"end":1398.37,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07065925002098083},{"word":"gone","start":1398.37,"end":1398.53,"confidence":0.99902344,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.08561748266220093},{"word":"through","start":1398.53,"end":1398.77,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07245620340108871},{"word":"with","start":1398.77,"end":1398.93,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10415682196617126},{"word":"your","start":1398.93,"end":1399.17,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.108990415930748},{"word":"super","start":1399.17,"end":1399.49,"confidence":0.99609375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06890828907489777},{"word":"balance","start":1399.49,"end":1399.99,"confidence":0.97631836,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.07926929742097855},{"word":"it's","start":1400.37,"end":1400.53,"confidence":0.9875488,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07354884594678879},{"word":"got","start":1400.53,"end":1400.6901,"confidence":0.9892578,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08221430331468582},{"word":"an","start":1400.6901,"end":1400.93,"confidence":0.9604492,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0727883130311966},{"word":"index","start":1400.93,"end":1401.3301,"confidence":0.87353516,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.05311547964811325},{"word":"chart","start":1401.3301,"end":1401.5701,"confidence":0.82373047,"punctuated_word":"chart","sentiment":"neutral","sentiment_score":0.055678267031908035},{"word":"in","start":1401.5701,"end":1401.65,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07247378677129745},{"word":"there","start":1401.65,"end":1401.89,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08729729056358337},{"word":"showing","start":1401.89,"end":1402.13,"confidence":0.984375,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.0834265947341919},{"word":"you","start":1402.13,"end":1402.4501,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08049098402261734},{"word":"market","start":1402.4501,"end":1402.77,"confidence":0.9970703,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.055336326360702515},{"word":"reactions","start":1402.77,"end":1403.25,"confidence":0.9970703,"punctuated_word":"reactions","sentiment":"neutral","sentiment_score":0.03240726515650749},{"word":"over","start":1403.25,"end":1403.49,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.03927932679653168},{"word":"the","start":1403.49,"end":1403.65,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03923972696065903},{"word":"last","start":1403.65,"end":1403.97,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.033097200095653534},{"word":"thirty","start":1403.97,"end":1404.29,"confidence":0.99609375,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.035121552646160126},{"word":"years","start":1404.29,"end":1404.79,"confidence":0.91918945,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.053466133773326874},{"word":"and","start":1405.3301,"end":1405.41,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07114159315824509},{"word":"it's","start":1405.41,"end":1405.65,"confidence":0.9921875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0886937826871872},{"word":"also","start":1405.65,"end":1405.97,"confidence":0.9921875,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0715770497918129},{"word":"got","start":1405.97,"end":1406.13,"confidence":0.9790039,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1007702425122261},{"word":"your","start":1406.13,"end":1406.505,"confidence":0.94628906,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08963321149349213},{"word":"insurance","start":1406.585,"end":1406.985,"confidence":0.7089844,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.058050330728292465},{"word":"information","start":1406.985,"end":1407.385,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.07723908871412277},{"word":"there","start":1407.385,"end":1407.625,"confidence":0.98168945,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09418682754039764},{"word":"and","start":1407.625,"end":1407.865,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07030505686998367},{"word":"i'll","start":1407.865,"end":1408.105,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07975901663303375},{"word":"get","start":1408.105,"end":1408.345,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0911070927977562},{"word":"your","start":1408.345,"end":1408.825,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08993754535913467},{"word":"third","start":1408.825,"end":1409.145,"confidence":0.9921875,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.06187183037400246},{"word":"party","start":1409.145,"end":1409.545,"confidence":0.9980469,"punctuated_word":"party","sentiment":"neutral","sentiment_score":0.06476394832134247},{"word":"authority","start":1409.545,"end":1410.045,"confidence":0.9951172,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.08939933031797409},{"word":"done","start":1410.105,"end":1410.345,"confidence":0.9941406,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.1522604376077652},{"word":"up","start":1410.345,"end":1410.585,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14926272630691528},{"word":"and","start":1410.585,"end":1410.745,"confidence":0.95410156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1145007386803627},{"word":"also","start":1410.745,"end":1411.145,"confidence":0.87060547,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12052933126688004},{"word":"your","start":1411.145,"end":1411.465,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1382203847169876},{"word":"beneficiary","start":1411.465,"end":1411.965,"confidence":0.99609375,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.14494213461875916},{"word":"nomination","start":1412.185,"end":1412.665,"confidence":0.96899414,"punctuated_word":"nomination,","sentiment":"neutral","sentiment_score":0.1309511810541153},{"word":"and","start":1412.665,"end":1412.825,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13252390921115875},{"word":"we'll","start":1412.825,"end":1412.985,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.14342908561229706},{"word":"get","start":1412.985,"end":1413.225,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14347586035728457},{"word":"those","start":1413.225,"end":1413.385,"confidence":0.984375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1886478960514069},{"word":"out","start":1413.385,"end":1413.545,"confidence":0.9707031,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.15945494174957275},{"word":"to","start":1413.545,"end":1413.705,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16433194279670715},{"word":"you","start":1413.705,"end":1413.865,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1787613332271576},{"word":"so","start":1413.865,"end":1414.025,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17262427508831024},{"word":"we","start":1414.025,"end":1414.185,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16498947143554688},{"word":"can","start":1414.185,"end":1414.345,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20182789862155912},{"word":"get","start":1414.345,"end":1414.505,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17682085931301117},{"word":"that","start":1414.505,"end":1414.665,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21939073503017423},{"word":"research","start":1414.665,"end":1415.145,"confidence":0.99609375,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.16915632784366608},{"word":"completed","start":1415.145,"end":1415.545,"confidence":0.9970703,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.18078012764453888},{"word":"with","start":1415.545,"end":1415.705,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1436638385057449},{"word":"host","start":1415.705,"end":1416.025,"confidence":0.62939453,"punctuated_word":"host","sentiment":"neutral","sentiment_score":0.0911838486790657},{"word":"cost","start":1416.025,"end":1416.265,"confidence":0.6582031,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.11098673194646835},{"word":"done","start":1416.265,"end":1416.505,"confidence":0.9633789,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.34164154529571533},{"word":"in","start":1416.505,"end":1416.665,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5067235231399536},{"word":"a","start":1416.665,"end":1416.745,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4872257709503174},{"word":"nice","start":1416.745,"end":1417.0651,"confidence":0.99902344,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6442481875419617},{"word":"timely","start":1417.0651,"end":1417.5651,"confidence":0.7192383,"punctuated_word":"timely","sentiment":"positive","sentiment_score":0.6201221346855164},{"word":"manner","start":1417.945,"end":1418.345,"confidence":0.96240234,"punctuated_word":"manner","sentiment":"positive","sentiment_score":0.5715637803077698},{"word":"there","start":1418.345,"end":1418.845,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.25820937752723694},{"word":"is","start":1419.4401,"end":1419.76,"confidence":0.9902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1202504262328148},{"word":"there","start":1419.76,"end":1419.92,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12216192483901978},{"word":"anything","start":1419.92,"end":1420.24,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.12690696120262146},{"word":"i","start":1420.24,"end":1420.48,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0440327450633049},{"word":"may","start":1420.48,"end":1420.64,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.024748507887125015},{"word":"have","start":1420.64,"end":1420.8,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0017075762152671814},{"word":"missed","start":1420.8,"end":1421.04,"confidence":1.0,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.004190757870674133},{"word":"or","start":1421.04,"end":1421.2,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05032816901803017},{"word":"not","start":1421.2,"end":1421.4401,"confidence":0.98828125,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.004425205290317535},{"word":"touched","start":1421.4401,"end":1421.68,"confidence":0.9980469,"punctuated_word":"touched","sentiment":"neutral","sentiment_score":0.015412166714668274},{"word":"on","start":1421.68,"end":1421.92,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05951908230781555},{"word":"that","start":1421.92,"end":1422.08,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016395505517721176},{"word":"you","start":1422.08,"end":1422.32,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04047217220067978},{"word":"might","start":1422.32,"end":1422.8,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.013954110443592072},{"word":"have","start":1422.8,"end":1423.04,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018844731152057648},{"word":"questions","start":1423.04,"end":1423.52,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03224561735987663},{"word":"about","start":1423.52,"end":1423.92,"confidence":0.92626953,"punctuated_word":"about?","sentiment":"neutral","sentiment_score":0.017025476321578026},{"word":"or","start":1423.92,"end":1424.42,"confidence":0.99609375,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.04037034884095192},{"word":"yeah","start":1427.36,"end":1427.76,"confidence":0.9519043,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.3476318120956421},{"word":"beautiful","start":1427.76,"end":1428.16,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5222188234329224},{"word":"i'm","start":1428.16,"end":1428.32,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2262236475944519},{"word":"just","start":1428.32,"end":1428.56,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2028702348470688},{"word":"double","start":1428.56,"end":1428.88,"confidence":0.9980469,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.2124682515859604},{"word":"checking","start":1428.88,"end":1429.2,"confidence":0.99902344,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.197373166680336},{"word":"your","start":1429.2,"end":1429.4401,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10317589342594148},{"word":"id","start":1429.4401,"end":1429.68,"confidence":0.9375,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":0.12027061730623244},{"word":"is","start":1429.68,"end":1429.84,"confidence":0.9091797,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10924069583415984},{"word":"up","start":1429.84,"end":1429.92,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14622862637043},{"word":"to","start":1429.92,"end":1430.08,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1356554627418518},{"word":"date","start":1430.08,"end":1430.16,"confidence":0.9980469,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.15296991169452667},{"word":"because","start":1430.16,"end":1430.48,"confidence":0.7963867,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07282033562660217},{"word":"hostplus","start":1430.48,"end":1430.96,"confidence":0.9470215,"punctuated_word":"Hostplus","sentiment":"neutral","sentiment_score":0.1165160909295082},{"word":"will","start":1430.96,"end":1431.12,"confidence":0.8886719,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09950335323810576},{"word":"want","start":1431.12,"end":1431.36,"confidence":0.95703125,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.10605160892009736},{"word":"that","start":1431.36,"end":1431.52,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13439765572547913},{"word":"with","start":1431.52,"end":1431.76,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11193186044692992},{"word":"the","start":1431.76,"end":1431.92,"confidence":0.9550781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10279672592878342},{"word":"third","start":1431.92,"end":1432.16,"confidence":0.99121094,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.0733572468161583},{"word":"party","start":1432.16,"end":1432.4,"confidence":0.9589844,"punctuated_word":"party","sentiment":"neutral","sentiment_score":0.0795096606016159},{"word":"authority","start":1432.4,"end":1432.845,"confidence":0.7233887,"punctuated_word":"authority.","sentiment":"neutral","sentiment_score":0.0916176810860634},{"word":"it","start":1433.085,"end":1433.325,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.01181475818157196},{"word":"does","start":1433.325,"end":1433.485,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.003965631127357483},{"word":"look","start":1433.485,"end":1433.8049,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.017278678715229034},{"word":"like","start":1433.8049,"end":1433.965,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.02022520825266838},{"word":"it's","start":1433.965,"end":1434.205,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.01768273487687111},{"word":"out","start":1434.205,"end":1434.445,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.008448533713817596},{"word":"of","start":1434.445,"end":1434.525,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006017304956912994},{"word":"date","start":1434.525,"end":1434.765,"confidence":0.9970703,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.00325610488653183},{"word":"on","start":1434.765,"end":1435.005,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03931218758225441},{"word":"our","start":1435.005,"end":1435.1649,"confidence":0.99609375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.01642731949687004},{"word":"file","start":1435.1649,"end":1435.485,"confidence":0.7746582,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":-0.005216930061578751},{"word":"so","start":1435.485,"end":1435.645,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05345146730542183},{"word":"i","start":1435.645,"end":1435.8049,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06801429390907288},{"word":"will","start":1435.8049,"end":1435.965,"confidence":0.7597656,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07277217507362366},{"word":"just","start":1435.965,"end":1436.125,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07875847071409225},{"word":"get","start":1436.125,"end":1436.2849,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06373600661754608},{"word":"the","start":1436.2849,"end":1436.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06783609092235565},{"word":"team","start":1436.365,"end":1436.605,"confidence":0.9980469,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.07223747670650482},{"word":"to","start":1436.605,"end":1436.845,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12145103514194489},{"word":"send","start":1436.845,"end":1436.9249,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.09851452708244324},{"word":"you","start":1436.9249,"end":1437.1649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12866955995559692},{"word":"a","start":1437.1649,"end":1437.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1272118091583252},{"word":"text","start":1437.245,"end":1437.485,"confidence":1.0,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.13873682916164398},{"word":"message","start":1437.485,"end":1437.885,"confidence":1.0,"punctuated_word":"message","sentiment":"neutral","sentiment_score":0.1089477688074112},{"word":"as","start":1437.885,"end":1438.0449,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1397254317998886},{"word":"well","start":1438.0449,"end":1438.2849,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.14654240012168884},{"word":"if","start":1438.2849,"end":1438.445,"confidence":0.68408203,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15983615815639496},{"word":"that's","start":1438.445,"end":1438.6849,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11092625558376312},{"word":"okay","start":1438.6849,"end":1439.1849,"confidence":0.86279297,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":0.10248824208974838},{"word":"and","start":1439.325,"end":1439.565,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06774879992008209},{"word":"we'll","start":1439.565,"end":1439.725,"confidence":0.99853516,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.11204396188259123},{"word":"just","start":1439.725,"end":1439.885,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1277206987142563},{"word":"get","start":1439.885,"end":1440.0449,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11940984427928925},{"word":"you","start":1440.0449,"end":1440.205,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12587624788284302},{"word":"to","start":1440.205,"end":1440.2849,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.149334654211998},{"word":"update","start":1440.2849,"end":1440.605,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.08866900205612183},{"word":"your","start":1440.605,"end":1440.845,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10541540384292604},{"word":"id","start":1440.845,"end":1441.1649,"confidence":0.98535156,"punctuated_word":"ID,","sentiment":"neutral","sentiment_score":0.10254935175180437},{"word":"your","start":1441.1649,"end":1441.405,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10891804844141006},{"word":"license","start":1441.405,"end":1441.885,"confidence":0.9921875,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.10170414298772812},{"word":"on","start":1441.885,"end":1442.0449,"confidence":0.984375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1098061501979828},{"word":"file","start":1442.0449,"end":1442.365,"confidence":1.0,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.10550031810998917},{"word":"there","start":1442.365,"end":1442.605,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17211149632930756},{"word":"as","start":1442.605,"end":1442.845,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17370231449604034},{"word":"well","start":1442.845,"end":1443.245,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13560046255588531},{"word":"okay","start":1443.245,"end":1443.745,"confidence":0.845459,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.08306565880775452},{"word":"easy","start":1445.1649,"end":1445.645,"confidence":0.9914551,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.3577805757522583},{"word":"is","start":1445.645,"end":1445.885,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.12337148934602736},{"word":"there","start":1445.885,"end":1446.125,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1138928011059761},{"word":"any","start":1446.125,"end":1446.365,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1065579503774643},{"word":"other","start":1446.365,"end":1446.605,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09538230299949646},{"word":"questions","start":1446.605,"end":1447.005,"confidence":0.9951172,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08860857039690018},{"word":"or","start":1447.005,"end":1447.1649,"confidence":0.97802734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.059621065855026245},{"word":"anything","start":1447.1649,"end":1447.47,"confidence":0.9970703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.06014109402894974},{"word":"else","start":1447.47,"end":1447.59,"confidence":0.9375,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.05565799027681351},{"word":"that","start":1447.59,"end":1447.71,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05047360807657242},{"word":"you","start":1447.71,"end":1447.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050711993128061295},{"word":"might","start":1447.87,"end":1447.95,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.04161854088306427},{"word":"have","start":1447.95,"end":1448.19,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04763808473944664},{"word":"for","start":1448.19,"end":1448.35,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03912119194865227},{"word":"me","start":1448.35,"end":1448.4299,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0430864654481411},{"word":"at","start":1448.4299,"end":1448.6699,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04126929864287376},{"word":"the","start":1448.6699,"end":1448.75,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0628732293844223},{"word":"moment","start":1448.75,"end":1449.23,"confidence":0.8510742,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.05456686392426491},{"word":"or","start":1449.23,"end":1449.73,"confidence":0.9873047,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.014626648277044296},{"word":"i","start":1450.35,"end":1450.51,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0026426315307617188},{"word":"touch","start":1450.51,"end":1450.75,"confidence":0.86572266,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.011810783296823502},{"word":"on","start":1450.75,"end":1450.9099,"confidence":0.9550781,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02089955285191536},{"word":"a","start":1450.9099,"end":1450.99,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030183684080839157},{"word":"lot","start":1450.99,"end":1451.23,"confidence":0.984375,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.04316098615527153},{"word":"fast","start":1451.23,"end":1451.5499,"confidence":0.83374023,"punctuated_word":"fast.","sentiment":"neutral","sentiment_score":0.04683297872543335},{"word":"sorry","start":1451.5499,"end":1452.0499,"confidence":1.0,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.006745938211679459},{"word":"that's","start":1454.6699,"end":1455.07,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08151870965957642},{"word":"okay","start":1455.07,"end":1455.57,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2545032501220703},{"word":"beautiful","start":1455.7899,"end":1456.2899,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5797239542007446},{"word":"beautiful","start":1456.4299,"end":1456.9299,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6111431121826172},{"word":"we'll","start":1456.99,"end":1457.15,"confidence":0.99316406,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.5193208456039429},{"word":"get","start":1457.15,"end":1457.3099,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6024951934814453},{"word":"this","start":1457.3099,"end":1457.5499,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.6175037026405334},{"word":"working","start":1457.5499,"end":1457.95,"confidence":0.99902344,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.5784990787506104},{"word":"for","start":1457.95,"end":1458.19,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5473790764808655},{"word":"you","start":1458.19,"end":1458.59,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4959140717983246},{"word":"i'll","start":1458.59,"end":1458.83,"confidence":0.9265137,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3062836527824402},{"word":"update","start":1458.83,"end":1459.07,"confidence":0.32617188,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.3185882866382599},{"word":"the","start":1459.07,"end":1459.23,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2736753225326538},{"word":"advice","start":1459.23,"end":1459.47,"confidence":0.97802734,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2784251272678375},{"word":"in","start":1459.47,"end":1459.71,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22452333569526672},{"word":"a","start":1459.71,"end":1459.7899,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27733609080314636},{"word":"couple","start":1459.7899,"end":1460.03,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2276751548051834},{"word":"of","start":1460.03,"end":1460.11,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2732292711734772},{"word":"weeks","start":1460.11,"end":1460.4299,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.2585691809654236},{"word":"there","start":1460.4299,"end":1460.805,"confidence":0.95654297,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2925780117511749},{"word":"you'll","start":1461.045,"end":1461.285,"confidence":0.99853516,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.2778087556362152},{"word":"be","start":1461.285,"end":1461.3651,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.31000450253486633},{"word":"able","start":1461.3651,"end":1461.525,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.3281342089176178},{"word":"to","start":1461.525,"end":1461.685,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32619643211364746},{"word":"go","start":1461.685,"end":1461.8451,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.30212464928627014},{"word":"back","start":1461.8451,"end":1462.005,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.3546580970287323},{"word":"and","start":1462.005,"end":1462.165,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2962163984775543},{"word":"read","start":1462.165,"end":1462.405,"confidence":0.99121094,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.2985338270664215},{"word":"the","start":1462.405,"end":1462.5651,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3111403286457062},{"word":"advice","start":1462.5651,"end":1462.885,"confidence":0.9980469,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2945197820663452},{"word":"and","start":1462.885,"end":1463.045,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23685231804847717},{"word":"decide","start":1463.045,"end":1463.3651,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.278864324092865},{"word":"whether","start":1463.3651,"end":1463.6051,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.21324777603149417},{"word":"you","start":1463.6051,"end":1463.765,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20985132455825808},{"word":"take","start":1463.765,"end":1463.925,"confidence":0.9902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.16961011290550232},{"word":"on","start":1463.925,"end":1464.005,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22691401839256287},{"word":"the","start":1464.005,"end":1464.245,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27137646079063416},{"word":"recommendations","start":1464.245,"end":1464.745,"confidence":0.99609375,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.2077422142028809},{"word":"or","start":1464.885,"end":1464.9651,"confidence":0.9838867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16094793379306793},{"word":"not","start":1464.9651,"end":1465.125,"confidence":0.9995117,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.1626221090555191},{"word":"in","start":1465.125,"end":1465.285,"confidence":1.0,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.1472342014312744},{"word":"the","start":1465.285,"end":1465.4451,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12768255174160004},{"word":"meantime","start":1465.4451,"end":1465.8451,"confidence":0.99902344,"punctuated_word":"meantime,","sentiment":"neutral","sentiment_score":0.14409124851226807},{"word":"if","start":1465.8451,"end":1466.005,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16541698575019836},{"word":"you","start":1466.005,"end":1466.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17101997137069702},{"word":"have","start":1466.165,"end":1466.5651,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1716735064983368},{"word":"any","start":1466.5651,"end":1466.885,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.18733136355876925},{"word":"questions","start":1466.885,"end":1467.3651,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.15087607502937317},{"word":"or","start":1467.3651,"end":1467.6051,"confidence":0.9760742,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16579172015190125},{"word":"concerns","start":1467.6051,"end":1468.0851,"confidence":1.0,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":0.10241687297821044},{"word":"or","start":1468.0851,"end":1468.245,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19171850383281708},{"word":"anything","start":1468.245,"end":1468.5651,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.23780256509780884},{"word":"else","start":1468.5651,"end":1468.885,"confidence":0.9995117,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":0.20014500617980957},{"word":"let","start":1468.885,"end":1469.125,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.24674369394779205},{"word":"me","start":1469.125,"end":1469.285,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2102467566728592},{"word":"know","start":1469.285,"end":1469.785,"confidence":0.9880371,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.23018042743206024},{"word":"more","start":1469.8451,"end":1470.0851,"confidence":0.6748047,"punctuated_word":"More","sentiment":"positive","sentiment_score":0.5772857666015625},{"word":"than","start":1470.0851,"end":1470.245,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.5769148468971252},{"word":"happy","start":1470.245,"end":1470.5651,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4753064811229706},{"word":"to","start":1470.5651,"end":1470.885,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39245137572288513},{"word":"sort","start":1470.885,"end":1471.045,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.39858654141426086},{"word":"of","start":1471.045,"end":1471.2051,"confidence":0.9453125,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4006200432777405},{"word":"touch","start":1471.2051,"end":1471.4451,"confidence":1.0,"punctuated_word":"touch","sentiment":"positive","sentiment_score":0.4037737548351288},{"word":"base","start":1471.4451,"end":1471.685,"confidence":1.0,"punctuated_word":"base","sentiment":"positive","sentiment_score":0.4636836647987366},{"word":"and","start":1471.685,"end":1471.8451,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.431683212518692},{"word":"have","start":1471.8451,"end":1472.0851,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.49422043561935425},{"word":"a","start":1472.0851,"end":1472.245,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3826156556606293},{"word":"chat","start":1472.245,"end":1472.4851,"confidence":0.9926758,"punctuated_word":"chat.","sentiment":"positive","sentiment_score":0.40645283460617065},{"word":"and","start":1472.4851,"end":1472.7251,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08034506440162659},{"word":"did","start":1472.7251,"end":1472.9651,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04586014896631241},{"word":"you","start":1472.9651,"end":1473.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07442572712898254},{"word":"want","start":1473.125,"end":1473.525,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.049827490001916885},{"word":"another","start":1473.525,"end":1473.925,"confidence":0.96533203,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.06668491661548615},{"word":"sort","start":1473.925,"end":1474.0851,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07225248217582703},{"word":"of","start":1474.0851,"end":1474.3251,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06817206740379333},{"word":"review","start":1474.3251,"end":1474.7251,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.047397006303071976},{"word":"with","start":1474.7251,"end":1474.9651,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03323168307542801},{"word":"of","start":1475.125,"end":1475.285,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09775136411190032},{"word":"things","start":1475.285,"end":1475.765,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10791460424661636},{"word":"in","start":1475.765,"end":1476.0851,"confidence":0.9916992,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.06071945279836655},{"word":"like","start":1476.0851,"end":1476.42,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05971629172563553},{"word":"six","start":1476.5,"end":1476.66,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.04079706966876984},{"word":"months","start":1476.66,"end":1476.9801,"confidence":0.99658203,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.05833018571138382},{"word":"three","start":1476.9801,"end":1477.3,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.03785523772239685},{"word":"months","start":1477.3,"end":1477.54,"confidence":0.7585449,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.04403986036777496},{"word":"or","start":1477.54,"end":1477.7001,"confidence":0.98095703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.021035585552453995},{"word":"are","start":1477.7001,"end":1477.78,"confidence":0.9140625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01662011444568634},{"word":"you","start":1477.78,"end":1477.86,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05697416514158249},{"word":"happy","start":1477.86,"end":1478.18,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.0493798702955246},{"word":"with","start":1478.18,"end":1478.3401,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.055988796055316925},{"word":"the","start":1478.3401,"end":1478.5,"confidence":0.44604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052728451788425446},{"word":"sponsor","start":1478.5,"end":1478.9,"confidence":0.99316406,"punctuated_word":"sponsor","sentiment":"neutral","sentiment_score":0.08240781724452972},{"word":"year","start":1478.9,"end":1479.14,"confidence":0.9819336,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.019863136112689972},{"word":"what","start":1479.14,"end":1479.3,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.008927921764552593},{"word":"would","start":1479.3,"end":1479.4601,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.011049102060496809},{"word":"you","start":1479.4601,"end":1479.62,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0094183050096035},{"word":"like","start":1479.62,"end":1479.78,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.006316729821264744},{"word":"to","start":1479.78,"end":1479.86,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007566661573946476},{"word":"see","start":1479.86,"end":1480.18,"confidence":0.9980469,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.009244202636182308},{"word":"andrew","start":1480.18,"end":1480.68,"confidence":1.0,"punctuated_word":"Andrew?","sentiment":"neutral","sentiment_score":0.015159151516854765},{"word":"six","start":1483.4601,"end":1483.78,"confidence":0.97509766,"punctuated_word":"Six","sentiment":"neutral","sentiment_score":0.007279055193066597},{"word":"months","start":1483.78,"end":1484.18,"confidence":0.9038086,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.035191938281059265},{"word":"beautiful","start":1484.18,"end":1484.68,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6805671453475952},{"word":"we'll","start":1484.8201,"end":1485.06,"confidence":0.9970703,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.5512909889221191},{"word":"get","start":1485.06,"end":1485.2201,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5042572617530823},{"word":"one","start":1485.2201,"end":1485.4601,"confidence":0.99902344,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.381658136844635},{"word":"in","start":1485.4601,"end":1485.78,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3164019286632538},{"word":"around","start":1485.78,"end":1486.1001,"confidence":0.9970703,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.27845996618270874},{"word":"about","start":1486.1001,"end":1486.42,"confidence":0.97314453,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3625364601612091},{"word":"christmas","start":1486.42,"end":1486.8201,"confidence":0.86035156,"punctuated_word":"Christmas","sentiment":"positive","sentiment_score":0.33859995007514954},{"word":"time","start":1486.8201,"end":1487.06,"confidence":0.99902344,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3667215406894684},{"word":"just","start":1487.06,"end":1487.3,"confidence":0.9838867,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.38853931427001953},{"word":"before","start":1487.3,"end":1487.62,"confidence":1.0,"punctuated_word":"before","sentiment":"positive","sentiment_score":0.3993476331233978},{"word":"we","start":1487.62,"end":1487.7001,"confidence":0.9980469,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4259400963783264},{"word":"go","start":1487.7001,"end":1487.9401,"confidence":0.9980469,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3966374099254608},{"word":"away","start":1487.9401,"end":1488.18,"confidence":0.99609375,"punctuated_word":"away","sentiment":"positive","sentiment_score":0.42430323362350464},{"word":"for","start":1488.18,"end":1488.26,"confidence":0.9375,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.41984570026397705},{"word":"the","start":1488.26,"end":1488.435,"confidence":0.8413086,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4434201717376709},{"word":"break","start":1488.435,"end":1488.675,"confidence":0.88378906,"punctuated_word":"break,","sentiment":"positive","sentiment_score":0.5047241449356079},{"word":"so","start":1488.675,"end":1488.8351,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5950922966003418},{"word":"that'll","start":1488.8351,"end":1488.915,"confidence":0.87646484,"punctuated_word":"that'll","sentiment":"positive","sentiment_score":0.8090049624443054},{"word":"be","start":1488.915,"end":1489.395,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.8113319277763367},{"word":"fantastic","start":1489.395,"end":1489.895,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7515803575515747},{"word":"excellent","start":1490.3551,"end":1490.8551,"confidence":0.9980469,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7554755210876465},{"word":"thank","start":1492.035,"end":1492.275,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7970725297927856},{"word":"you","start":1492.275,"end":1492.515,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8378296494483948},{"word":"so","start":1492.515,"end":1492.675,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8488197922706604},{"word":"much","start":1492.675,"end":1492.8351,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8524096012115479},{"word":"for","start":1492.8351,"end":1492.9951,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8301826119422913},{"word":"your","start":1492.9951,"end":1493.155,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8039500117301941},{"word":"time","start":1493.155,"end":1493.395,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7964996695518494},{"word":"i'll","start":1493.395,"end":1493.555,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.6676298975944519},{"word":"let","start":1493.555,"end":1493.795,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.6927252411842346},{"word":"you","start":1493.795,"end":1493.875,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6284559369087219},{"word":"go","start":1493.875,"end":1494.1151,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.6929783821105957},{"word":"to","start":1494.1151,"end":1494.275,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6828620433807373},{"word":"enjoy","start":1494.275,"end":1494.5951,"confidence":1.0,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.6677457094192505},{"word":"your","start":1494.5951,"end":1494.755,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5512663722038269},{"word":"day","start":1494.755,"end":1495.155,"confidence":0.9394531,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.5246161222457886},{"word":"and","start":1495.155,"end":1495.4751,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4644096493721008},{"word":"i","start":1495.4751,"end":1495.635,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4137539565563202},{"word":"hope","start":1495.635,"end":1495.875,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.4395272731781006},{"word":"you","start":1495.875,"end":1495.9551,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5373127460479736},{"word":"have","start":1495.9551,"end":1496.1151,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5520874261856079},{"word":"a","start":1496.1151,"end":1496.275,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5729247331619263},{"word":"good","start":1496.275,"end":1496.435,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5162081718444824},{"word":"week","start":1496.435,"end":1496.915,"confidence":0.77612305,"punctuated_word":"week,","sentiment":"positive","sentiment_score":0.56711345911026},{"word":"and","start":1496.915,"end":1497.155,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5391908884048462},{"word":"i'll","start":1497.155,"end":1497.395,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5323683023452759},{"word":"get","start":1497.395,"end":1497.7151,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5735838413238525},{"word":"stuck","start":1497.7151,"end":1497.875,"confidence":0.9951172,"punctuated_word":"stuck","sentiment":"positive","sentiment_score":0.4725625813007355},{"word":"into","start":1497.875,"end":1498.1951,"confidence":0.98828125,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.462307870388031},{"word":"this","start":1498.1951,"end":1498.3551,"confidence":0.9873047,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5681981444358826},{"word":"research","start":1498.3551,"end":1498.755,"confidence":0.9980469,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.5804805159568787},{"word":"for","start":1498.755,"end":1498.9951,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.46395424008369446},{"word":"you","start":1498.9951,"end":1499.3151,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.37628209590911865},{"word":"okay","start":1499.3151,"end":1499.6849,"confidence":0.99121094,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3281058371067047},{"word":"my","start":1501.205,"end":1501.445,"confidence":0.99902344,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.6536824703216553},{"word":"pleasure","start":1501.445,"end":1501.845,"confidence":1.0,"punctuated_word":"pleasure.","sentiment":"positive","sentiment_score":0.6967511177062988},{"word":"thanks","start":1501.845,"end":1502.085,"confidence":0.99902344,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.7840349078178406},{"word":"for","start":1502.085,"end":1502.1649,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.81028151512146},{"word":"your","start":1502.1649,"end":1502.325,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7573513984680176},{"word":"time","start":1502.325,"end":1502.485,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.7971198558807373},{"word":"today","start":1502.485,"end":1502.725,"confidence":0.99853516,"punctuated_word":"today,","sentiment":"positive","sentiment_score":0.7417501211166382},{"word":"andrew","start":1502.725,"end":1503.0449,"confidence":0.99853516,"punctuated_word":"Andrew.","sentiment":"positive","sentiment_score":0.6884808540344238},{"word":"appreciate","start":1503.0449,"end":1503.445,"confidence":0.99609375,"punctuated_word":"Appreciate","sentiment":"positive","sentiment_score":0.7657353281974792},{"word":"it","start":1503.445,"end":1503.845,"confidence":1.0,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.6765936613082886},{"word":"see","start":1503.845,"end":1504.085,"confidence":0.8598633,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.43553462624549866},{"word":"you","start":1504.085,"end":1504.1649,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4361746311187744},{"word":"later","start":1504.1649,"end":1504.6649,"confidence":1.0,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.5240899920463562},{"word":"bye","start":1505.2849,"end":1505.7849,"confidence":0.78515625,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.11383846402168274}],"paragraphs":{"transcript":"\nHi, Andrew. It's Zena from OQ Financial. How are you this morning or this afternoon? Sorry. Yeah.\n\nVery well. Thank you. I had to put in to go through a bit of an annual review today. Is now still a good time there for you? Fantastic.\n\nBefore we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file. Awesome.\n\nThank you. Yeah. That's perfect. Thank you so much for that. Legend.\n\nI do know we sent through some annual review documents to you. Are you able to jump into your emails and have a look at those? If you can't, it's honestly okay. Oh, that's okay. Not an issue at all.\n\nI'll send them through that while they're in your email. You can definitely have a bit of a look at them later. In the meantime, I'll just run through your annual review, give you an update on your CV. We'll talk about your insurances, look at maybe updating some advice if it's appropriate to do so, and at what your goals are moving forward. Is there anything specific you maybe wanted to ask me or wanted me to touch on as part of your review today?\n\nOh, wow. Yeah. Yeah. No. Absolutely.\n\nSo, normally, they don't allow you to take the money out of your super for, like, vet bills and things like that. But in that instance, it would certainly be compassionate grounds. But, look, there's nothing to say you can't submit the claims via myGov to see if the ATO approve it. But under compassionate grounds, it needs to be essentially medical treatment where, you know, you're unable to pay for the expenses yourself. Normally, people do it for their teeth, you know, medical procedures that they need on themselves or their dependents.\n\nI've honestly not seen anyone try it for vet bills, but the way you do compassionate grounds is you just apply through your myGov account. You just need to get, any of the documentation required. So you'll essentially need to get, like, vet bills or quotes for how much you'll need to cover the cost and things like that. Just provide all that as evidence. It'll go through the ATO, and then they'll assess the claim and determine whether or not they approve it or not.\n\nThe if they do approve it, that will determine how much you can take out to cover the cost. There's also tax consequences. So because you're under the age of 60, tax is also going to be deducted or, you know, withheld in relation to the amount that is also taken out, but they'll confirm how much that'll be for you as well on the letter if they approve it. But, look, I have not seen anyone do it for vet vet bills before, but there's no harm in trying. If you've if $10 is a lot of money, especially for that sort of yeah.\n\nYeah. No. Look. Jump on to your myGov account when you got some time. Grab all the medical evidence required.\n\nGive it a go. The worst they say is no. At least you can say you've tried. But please keep me updated because, yeah, look, I've seen a lot of different compassionate grounds claims that go through, but I've honestly never seen it done for vet vet bills. So we'll give it a crack and see what happens.\n\nYeah. No. Perfect. All good. Yeah.\n\nThat's all good. Well, I'll give you an update on your super. So your your balance inside your hub 24 super as of the July 24 is a 196,467 and 46¢. Within host plus, we do have an updated balance of $17,086.20. That is as of September last year.\n\nWe haven't been able to get updated research since that point. I know that Peter sent through a third party authority for you to sign. Have you received that at all? Yeah. Absolutely.\n\nSo we just need to get that yeah. Absolutely. Abs have no. Absolutely. We definitely wanna get that sorted for you, so we just need to get that down to the party authority sign so we can get the updated research and clarify exactly what's happening within host plus there.\n\nWith regards to your hub 24 sleeper there, your balance this time last year, you had a 172,484, and now you're up to a 196 of four sixty seven there. So you have had after fees and a 6.84% return, which is a good solid positive return. As a dollar figure, the income and the growth within the period is 13,645. So it kinda gives you an idea of what 6% looks like for your balance there. It is certainly a little bit lower than where we would sort of like it to be given you are in that growth portfolio.\n\nGenerally, when we're looking at that sort of portfolio, you're sort of hoping for or tracking around about a seven to 9% return compounded annually there. So it is a little bit lower than where I would like it to sort of be for the year. It is partly because of what's been happening globally with the US, Iran war. Yeah. However, I can also see one of your investments underperforming a little bit in there as well.\n\nSo you did have or do have been along Australian equities. That one there is the only one that's sort of down and down because that investment hasn't been able to sorry. That investment is meant to be outperforming against the market, the idea of having an active manager in your portfolio. They have not been able to do that, and they have, unfortunately, had a fewer underlying issues that I've been able to sort of evaluate there. So I would like to issues that I've been able to sort of evaluate there.\n\nSo I would like to, if you're comfortable, update the advice for you, remove that investment, and look at putting something else in its place. I don't want you to be in anything underperforming. Yeah. Absolutely. Now you're still really young.\n\nYou've got a lot of time on your side here at the moment, so you can't actually access super till the age of 60. Is that kind of your goal age still? Are you hoping to be able to retire as early as possible? Yeah. Absolutely.\n\nYeah. Yeah. Absolutely. Just double checking your goal age there at the moment because, realistically, you've got more than ten years ahead of you. When you think about your super, are you wanting me to look at replacing Banda Long but keeping more of an active manager in your portfolio, or are you wanting to look at more of a a portfolio that's maybe low cost, a bit cheaper in investment fees, but still working harder than, you know, at the moment?\n\nWhat are you sort of looking for in the way of a portfolio? Yeah. Yep. Yeah. That's okay.\n\nYeah. That's okay. So you'd be comfortable looking at more of a passively managed low cost portfolio to save on fees rather than having an active manager taking on more risk trying to outperform against the market. Would you say that's fairly comfortable, or would you prefer the other way around? Yeah.\n\nYeah. Yeah. Beautiful. And look. Lower cost fees means more money stays in your portfolio working harder for you, so that's never a bad thing.\n\nAnd I've got a couple of options I can look to replace that for you. Fantastic. Otherwise, everything else in your portfolio has been performing very nicely there. Your gold, especially, is up by over 14.18% for the that's good to see. The S and P 500 is up over 12% individually there, And we've also got bank hybrids.\n\nSo those are more of a more of a, sorry, defensive investments and lower risk. So they are looking to phase those out over the next couple of years. So I'll probably look to maybe readjust a few other options in the portfolio if you're comfortable just removing some investments and maybe looking at something that's maybe had a greater past performance and give you this you know, can, you know, provide greater future performance and sort of help to put you in a better position over the next five to ten years. Are you comfortable with me updating everything and looking at it all? Yeah.\n\nExcellent. All good. I had a really good look at things before the call, and I was like, we can definitely do some advice, but just wanna make sure you're comfortable with that as well. If you ever decide you don't want to, you're welcome to come back and say, no. Don't do it.\n\nOkay? Excellent. All good. Now the other thing I just wanted to sort of chat about was last year, we did provide some updated advice around the insurance aspect there. Because inside your Hub twenty four super fund, sorry, host plus super funds.\n\nMy apologies. Your life and TPD cover, you're currently covered for based on the last research, a 193,832 of life and total permanent disability cover. I know in the last advice document last year, we were looking to increase and get more retail cover for you and cover you for about 1,100,000 of life and TBD. Are you still wanting to maybe look at re adjusting and looking at new cover, or are you happy with the amount of cover you have in host plus? What's your thought?\n\nYep. That's okay. Did you want me to maybe look at whether we can just keep the level of cover you have in host plus and maybe transfer that into hub 24. So you can still move everything out of host plus into hub 24 and only have one super fund rather than the two, but still just retain that cheap life and TPD cover you have. Is that preferred?\n\nYeah. Beautiful. I'm just I do have your pre assessment we did up last year as well. So just kinda going through. It honestly looks fine.\n\nCan I just run through these couple of questions again for you just to sort of confirm eligibility just to make sure there's no changes there? Are you currently off work or unable to perform your duties on a normal full time basis at all? Nope. Have you in the last twelve months been absent from work or unable to perform your normal occupational duties? No.\n\nYou haven't been off work for more than six days other than having a cold or flu? No. All good. Oh, fantastic. Have you have you ever been diagnosed with or do you suffer from an illness that may cause permanent inability to go to work on a normal full time basis?\n\nNope. Have you ever had an insurance application for death, PPD, total permanent disability, income protection, sickness, or accident refuse? Nope. Have you ever been paid, or are you eligible pay to be paid for any type of claim that's government benefits, worth of compensation, or any insurance claim? Nope.\n\nAnd have you ever had insurance application for death, death and TPD, term illness or income protection offered on a modified or not offered on nonstandard terms? Nope. Perfect. Excellent. So based on this, the pre assessment there, it looks like eligibility.\n\nSo what I'll do is I'll just go back and complete the research there for you. I'll update the advice document to reflect some changes to your super fund with the recommended investments, look at how that's gonna can help you moving forward, and let's also look at maybe moving that cover over, keeping the life and TPD exactly as it is, and just trying to consolidate everything into one fund to make it easier for you. Does that sound okay? Fantastic. Excellent.\n\nNice and easy. Now we did originally also look at, like, income protection. You don't have any income protection or trauma covered. Do you remember going through those with me last year and chatting a bit more detail about them? Yeah.\n\nThat's absolutely fine. It's not a problem at all. If there any point you change your mind, just come back and let me know. Because income protection does sort of cover that a percentage of your income if you're unable to go to work. So not having it.\n\nIt's just about making sure you've got something to fall back on. Do you have much in the way of savings, or how's your expenditure look like? No. No. It's all going on the mortgage.\n\nYep. That's okay. And you're comfortable with just, like, where everything is sitting? Just we'll focus on life and TPD and look at income protection and possibly trauma and things like that down the track for you. Yeah.\n\nExcellent. All good. Income wise, I had you on about a 120,000 last year. Have you got a pay increase since then at all? Oh, no.\n\nOkay. Well, yeah, you're definitely worth it. Absolutely. Beautiful. And you're not salary sacrificing or not wanting to put any additional in the super at the moment over and above your employer contributions.\n\nIs that right? No. That's okay. We're sort of focusing on getting the mortgage down as fast as we can. Is that sort of your main goal still?\n\nYeah. Beautiful. Mortgage wise, we had you on about owing about 340,000 last year. Have you reduced it a bit since then? Yep.\n\n$3.80? Yep. Beautiful. All good. And the property we had valued at 700,000 with having that old, and you woulda had it revalued again.\n\nWhat sort of value did they put on it? Oh, fantastic. Excellent. I've also got your motor vehicle down here, a value of about 17,000. What sort of value would you put on your car currently?\n\n10? Yeah. Beautiful. What kind of vehicle is it? Yeah.\n\nPerfect. They hold their value pretty well, those things. Everyone still wants a RAV four. We had a loan of about 3,000. Have you refinanced that or managed to pay it off?\n\nGone? Yes. Fantastic. Sorry. Any other cars, boats, or caravans that you'd note down with value?\n\nNo. That's okay. Any collections or tools of trade or shares or cryptocurrency that you have as well? No. That's okay.\n\nAll good. I've got down here estate planning side of things. I had it noted that you guys didn't have a will or power of attorney done up. Is that something you've discussed or looked at doing or spoken to a solicitor about? No.\n\nThat's okay. All good. And with your beneficiary nominations, I have it down here that you want your life cover and your super paid out to Katrina in the event that anything happens. It's a 100% paid to her. That's still valid and correct.\n\nYep. Beautiful. Now the type of nomination that you do have, I'm pretty sure we attached it last year. You do have it as a binding nomination, so it does mean that we have to review that and have it updated and refilled out every three years. The next time it's due is essentially this time next year.\n\nAre you happy with the type of nomination? Did you want us to maybe update the advice to reflect, you know, recommendations around making a nomination? You don't have to continuously update. What would you sort of comfort level wise feel? Yeah?\n\nBeautiful. Just with the the other type of nomination you that you can have is a binding nonlapsing. It means that you fill the nomination out once, and you don't have to fill it out ever again unless you change the type of nomination. Normally I mean, depending on how things are, normally, we don't wanna change that from our spouse unless they pass away first or something changes in our relationship. And we review that with you every year anyway.\n\nSo it just means that we don't have to ask you to pre fill that form out every three years, which can get kind of arduous and annoying. So if you're comfortable to do that, beautiful. I'll reflect that in the advice document for you as well, but I'll also get the team to make sure we send it out and update it. Are you happy with us pre filling the nomination for you with Katrina's details to make life a bit easier? Yep.\n\nFantastic. And did you prefer that to be emailed or posted to you or both? Both. Yeah. Absolutely fine.\n\nI'll also get them to send out that third party authority for host plus. Again, we'll try and get it all sent out in one one hit. See the signing everything at once. Absolutely. Fantastic.\n\nThe only other thing gonna touch on is just your risk profile there as well. So you are in that growth environment at the moment, which has, like, an eighty twenty split there. Having a look at the other questions that you've got more than ten years ahead of you before accessing your super, You've never invested in your own name before, have you? Have you ever owned shares? Nope.\n\nThat's okay. In the event that, say, the market took a big dive, say, 20% or more in the next one to two years, how do you think you might be feeling? Do you think you'd be okay? The buying opportunity, you're not retiring yet, you'll hold and wait, or do you think you'd be a bit more concerned than maybe contacting us? How do you think you might feel in that instance?\n\nYep. Yep. That's okay. Maybe give us a call, see what's happening, and, yeah, have a chat about it. Beautiful.\n\nAll good. The other question I'd like to sort of go through is, you know, we're all looking to try and get the best returns we possibly can out of our super. But when you think of yourself and the type of risk level that you're undertaking, do you consider yourself comfortable taking on a higher level of risk to obtain greater potential returns, or do you feel you're more in the middle, medium range? You are comfortable with a moderate amount of risk trying to get the best returns you possibly can, or do you consider yourself not comfortable taking on any risk and receiving lower rates of returns because of that? Where do you think you fit?\n\nThe medium? Yep. Beautiful. And have you ever thought about borrowing from a bank or financial institution in order to invest in shares or managed funds, or would you only ever do that for, say, property? Yep.\n\nProperty. That's okay. Do you wanna own more property in the future, or you're happy this is your main primary residence? What's the sort of goal property Yep. That's absolutely fine.\n\nSo looking at that, you have scored there in that growth range. So it sees an eighty twenty split to 80% growth assets like Australian international shares, listed property, and commodities like gold and silver, and then 20% in low risk defensive investments like cash, bonds, and fixed interest. This suits someone who has at least six years before accessing their money. You've got more than that ahead of you. We do expect a likelihood of a negative return, say, one in every five years.\n\nAnd as I said before, we're kind of, wanting to try and get about seven to 9% on a yearly basis. So anything over that 9% isn't over full performance. It's done really well. Anything under that 7% isn't under performance, and we wanna make sure that it's either the performance of the fund, like what's happening within the individual investments, or if it's because of market reactions, then it's completely understandable. Okay?\n\nDoes that all make sense? Do you have questions? You're welcome to let me know if you do. Fantastic. The only other thing now just updating here, you said you're not really saving much at the moment.\n\nEverything's kinda going into your expenditure. If yeah. Perfect. So I'll keep you in that kind of growth environment there. The next sort of five to six years, we have medium term goals here is that yourself and Katrina, your main focus there was to ensure that the kids have what they need and to take each day as it comes and to take some small family trips away.\n\nIs that still kind of your medium term goal? Have you been able to do that? Yeah. Have you got any kind of ideas on where you'd like to go? What kind of camping or a bit further away?\n\nYeah. Absolutely. Absolutely. And we wanted to one of the goals I had noted here was that by the time you do retire at 60, you wanna be completely debt free and have that mortgage down. When you think about your mortgage, is there kind of, like, a goal amount that you're hoping to have paid off over the next sort of five to ten years, or you're just trying to sort of hack at it as much as you possibly can and reduce it as quickly as possible?\n\nYeah. Yeah. Not a problem at all. A bit tough for those interest rates going up and down. A bit of a yoyo at the moment in it.\n\nI actually kind of feel for it because, like, my kids are seven 19 and 20, and I have a 10 year old. And, like, I feel for them. I love that my property is increasing in value, but I feel for them because without my assistance, I don't know what they're gonna ever be able to own or buy, and their mortgage payments are gonna be through the roof. And, you know, you've got a couple of kids as well, so it's pretty scary on that behalf, isn't it? Yeah.\n\nOh, and because your kids are basically teenagers now, aren't they? Wow. How is that going for you? Yeah. Yeah.\n\nLook, they did come out the other side. My 19 and 20 year old are really good, but I had girls at that point. I'm about to go through it with the boys, and I keep saying to my friends, like, any advice on boys is a good thing because it's a whole another kettle of fish. Yeah. No.\n\nAll good. That's basically everything I needed to touch on at the moment. So I'll go back and do some research for you and update the advice around trying to consolidate everything. Keep your life in TPD. We're not gonna focus on any trauma, child trauma, or income protection at the moment.\n\nWe can revisit those down the track if you'd like to. I'll just focus on getting things consolidated, transferring your life and TPD where appropriate, and altering your investments within Super for you. The the and the review pack you will have in your email does have the on your ongoing service agreement for the next twelve months there. So you do pay an ongoing service fee. It is 1.65% per annum, and it's deducting a smaller monthly increments out of your super for our services there.\n\nIf feel free to have you look through that one. I've also got all the documents that we had attached with regard to what I've gone through with your super balance. It's got an index chart in there showing you market reactions over the last thirty years, and it's also got your insurance information there. And I'll get your third party authority done up and also your beneficiary nomination, and we'll get those out to you so we can get that research completed with host cost done in a nice timely manner there. Is there anything I may have missed or not touched on that you might have questions about?\n\nOr yeah. Beautiful. I'm just double checking your ID is up to date because Hostplus will want that with the third party authority. It does look like it's out of date on our file. So I will just get the team to send you a text message as well if that's okay, and we'll just get you to update your ID, your license on file there as well.\n\nOkay? Easy. Is there any other questions or anything else that you might have for me at the moment? Or I touch on a lot fast. Sorry.\n\nThat's okay. Beautiful. Beautiful. We'll get this working for you. I'll update the advice in a couple of weeks there.\n\nYou'll be able to go back and read the advice and decide whether you take on the recommendations or not. In the meantime, if you have any questions or concerns or anything else, let me know. More than happy to sort of touch base and have a chat. And did you want another sort of review with of things in, like, six months, three months, or are you happy with the sponsor year? What would you like to see, Andrew?\n\nSix months? Beautiful. We'll get one in around about Christmas time just before we go away for the break, so that'll be fantastic. Excellent. Thank you so much for your time.\n\nI'll let you go to enjoy your day, and I hope you have a good week, and I'll get stuck into this research for you. Okay. My pleasure. Thanks for your time today, Andrew. Appreciate it.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Andrew.","start":4.08,"end":4.88,"sentiment":"neutral","sentiment_score":0.08531554415822029},{"text":"It's Zena from OQ Financial.","start":4.88,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.1259289190173149},{"text":"How are you this morning or this afternoon?","start":6.3999996,"end":8.32,"sentiment":"neutral","sentiment_score":0.1930795181542635},{"text":"Sorry.","start":8.32,"end":8.82,"sentiment":"neutral","sentiment_score":0.13420121371746063},{"text":"Yeah.","start":9.44,"end":9.679999,"sentiment":"neutral","sentiment_score":0.18387585878372192}],"sentiment":"neutral","sentiment_score":0.1566464059493121,"num_words":17,"start":4.08,"end":9.679999},{"sentences":[{"text":"Very well.","start":9.679999,"end":10.32,"sentiment":"positive","sentiment_score":0.38752636313438416},{"text":"Thank you.","start":10.32,"end":11.04,"sentiment":"positive","sentiment_score":0.5655687749385834},{"text":"I had to put in to go through a bit of an annual review today.","start":11.28,"end":13.679999,"sentiment":"neutral","sentiment_score":0.16191146671772003},{"text":"Is now still a good time there for you?","start":13.679999,"end":17.225,"sentiment":"neutral","sentiment_score":0.17647323509057364},{"text":"Fantastic.","start":17.225,"end":17.725,"sentiment":"positive","sentiment_score":0.5608773231506348}],"sentiment":"neutral","sentiment_score":0.22358616261646666,"num_words":29,"start":9.679999,"end":17.725},{"sentences":[{"text":"Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":18.505,"end":22.825,"sentiment":"neutral","sentiment_score":0.1809968132039775},{"text":"Are you happy for me to proceed with that?","start":22.825,"end":24.845,"sentiment":"neutral","sentiment_score":0.20527206692430708},{"text":"Fantastic.","start":26.185,"end":26.685,"sentiment":"positive","sentiment_score":0.3924357295036316},{"text":"And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file.","start":26.825,"end":32.809998,"sentiment":"neutral","sentiment_score":0.18146826999802743},{"text":"Awesome.","start":41.03,"end":41.43,"sentiment":"neutral","sentiment_score":0.3005744218826294}],"sentiment":"neutral","sentiment_score":0.18967541272823626,"num_words":65,"start":18.505,"end":41.43},{"sentences":[{"text":"Thank you.","start":41.43,"end":42.07,"sentiment":"neutral","sentiment_score":0.3043188601732254},{"text":"Yeah.","start":42.07,"end":42.309998,"sentiment":"neutral","sentiment_score":0.2769402861595154},{"text":"That's perfect.","start":42.309998,"end":43.03,"sentiment":"positive","sentiment_score":0.48375803232192993},{"text":"Thank you so much for that.","start":43.03,"end":44.385002,"sentiment":"positive","sentiment_score":0.5738849639892578},{"text":"Legend.","start":44.385002,"end":44.885002,"sentiment":"neutral","sentiment_score":0.2589169442653656}],"sentiment":"positive","sentiment_score":0.4629433999458949,"num_words":12,"start":41.43,"end":44.885002},{"sentences":[{"text":"I do know we sent through some annual review documents to you.","start":45.345,"end":48.225,"sentiment":"neutral","sentiment_score":0.05868976221730312},{"text":"Are you able to jump into your emails and have a look at those?","start":48.225,"end":50.705,"sentiment":"neutral","sentiment_score":0.04470790097756045},{"text":"If you can't, it's honestly okay.","start":50.705,"end":52.405,"sentiment":"neutral","sentiment_score":-0.10359850650032361},{"text":"Oh, that's okay.","start":55.905,"end":57.125,"sentiment":"neutral","sentiment_score":-0.06170563896497091},{"text":"Not an issue at all.","start":57.345,"end":58.225,"sentiment":"neutral","sentiment_score":-0.0074037954211235045}],"sentiment":"neutral","sentiment_score":0.012161520682275296,"num_words":40,"start":45.345,"end":58.225},{"sentences":[{"text":"I'll send them through that while they're in your email.","start":58.225,"end":60.05,"sentiment":"neutral","sentiment_score":0.08088249452412129},{"text":"You can definitely have a bit of a look at them later.","start":60.05,"end":62.149998,"sentiment":"neutral","sentiment_score":0.07561081026991208},{"text":"In the meantime, I'll just run through your annual review, give you an update on your CV.","start":62.53,"end":66.29,"sentiment":"neutral","sentiment_score":0.14676333613255443},{"text":"We'll talk about your insurances, look at maybe updating some advice if it's appropriate to do so, and at what your goals are moving forward.","start":66.29,"end":73.425,"sentiment":"neutral","sentiment_score":0.20002544939517974},{"text":"Is there anything specific you maybe wanted to ask me or wanted me to touch on as part of your review today?","start":73.425,"end":79.285,"sentiment":"neutral","sentiment_score":0.08151284537532112}],"sentiment":"neutral","sentiment_score":0.12796570018453654,"num_words":86,"start":58.225,"end":79.285},{"sentences":[{"text":"Oh, wow.","start":92.38,"end":92.96,"sentiment":"neutral","sentiment_score":-0.11286789178848267},{"text":"Yeah.","start":104.515,"end":105.015,"sentiment":"neutral","sentiment_score":-0.01378273032605648},{"text":"Yeah.","start":105.555,"end":105.634995,"sentiment":"neutral","sentiment_score":-0.0485302209854126},{"text":"No.","start":105.634995,"end":105.955,"sentiment":"neutral","sentiment_score":-0.20872238278388977},{"text":"Absolutely.","start":105.955,"end":106.455,"sentiment":"neutral","sentiment_score":-0.08813793957233429}],"sentiment":"neutral","sentiment_score":-0.09748484287410975,"num_words":6,"start":92.38,"end":106.455},{"sentences":[{"text":"So, normally, they don't allow you to take the money out of your super for, like, vet bills and things like that.","start":106.595,"end":112.32,"sentiment":"neutral","sentiment_score":-0.2637986743992025},{"text":"But in that instance, it would certainly be compassionate grounds.","start":113.12,"end":116.159996,"sentiment":"neutral","sentiment_score":0.024399479478597642},{"text":"But, look, there's nothing to say you can't submit the claims via myGov to see if the ATO approve it.","start":116.159996,"end":122.66,"sentiment":"neutral","sentiment_score":-0.06705136206001043},{"text":"But under compassionate grounds, it needs to be essentially medical treatment where, you know, you're unable to pay for the expenses yourself.","start":122.96,"end":129.745,"sentiment":"neutral","sentiment_score":-0.1488196529786695},{"text":"Normally, people do it for their teeth, you know, medical procedures that they need on themselves or their dependents.","start":130.125,"end":136.22499,"sentiment":"neutral","sentiment_score":-0.12475286032024183}],"sentiment":"neutral","sentiment_score":-0.13489182790120444,"num_words":93,"start":106.595,"end":136.22499},{"sentences":[{"text":"I've honestly not seen anyone try it for vet bills, but the way you do compassionate grounds is you just apply through your myGov account.","start":137.08499,"end":145.40001,"sentiment":"neutral","sentiment_score":-0.020299150347709655},{"text":"You just need to get, any of the documentation required.","start":145.54001,"end":148.68001,"sentiment":"neutral","sentiment_score":0.09587434493005276},{"text":"So you'll essentially need to get, like, vet bills or quotes for how much you'll need to cover the cost and things like that.","start":148.74,"end":155.625,"sentiment":"neutral","sentiment_score":0.07528338224316637},{"text":"Just provide all that as evidence.","start":155.625,"end":157.305,"sentiment":"neutral","sentiment_score":0.10177952920397122},{"text":"It'll go through the ATO, and then they'll assess the claim and determine whether or not they approve it or not.","start":157.305,"end":163.965,"sentiment":"neutral","sentiment_score":0.03868243453048524}],"sentiment":"neutral","sentiment_score":0.04280318796288136,"num_words":86,"start":137.08499,"end":163.965},{"sentences":[{"text":"The if they do approve it, that will determine how much you can take out to cover the cost.","start":165.34,"end":170.23999,"sentiment":"neutral","sentiment_score":0.05999917752648655},{"text":"There's also tax consequences.","start":170.29999,"end":171.76,"sentiment":"neutral","sentiment_score":-0.12763281539082527},{"text":"So because you're under the age of 60, tax is also going to be deducted or, you know, withheld in relation to the amount that is also taken out, but they'll confirm how much that'll be for you as well on the letter if they approve it.","start":171.9,"end":187.47499,"sentiment":"neutral","sentiment_score":-0.015964682590454183},{"text":"But, look, I have not seen anyone do it for vet vet bills before, but there's no harm in trying.","start":187.47499,"end":192.295,"sentiment":"neutral","sentiment_score":-0.08226625230163336},{"text":"If you've if $10 is a lot of money, especially for that sort of yeah.","start":192.595,"end":201.86,"sentiment":"neutral","sentiment_score":-0.233434430261453}],"sentiment":"neutral","sentiment_score":-0.05016884257396062,"num_words":105,"start":165.34,"end":201.86},{"sentences":[{"text":"Yeah.","start":202.24,"end":202.56,"sentiment":"neutral","sentiment_score":-0.07375950366258621},{"text":"No.","start":202.56,"end":202.8,"sentiment":"neutral","sentiment_score":-0.09016728401184082},{"text":"Look.","start":202.8,"end":202.96,"sentiment":"neutral","sentiment_score":-0.06311279535293579},{"text":"Jump on to your myGov account when you got some time.","start":202.96,"end":205.04001,"sentiment":"neutral","sentiment_score":0.014357447285543789},{"text":"Grab all the medical evidence required.","start":205.04001,"end":206.90001,"sentiment":"neutral","sentiment_score":0.05736547460158666}],"sentiment":"neutral","sentiment_score":0.01375425923615694,"num_words":20,"start":202.24,"end":206.90001},{"sentences":[{"text":"Give it a go.","start":206.96,"end":207.915,"sentiment":"neutral","sentiment_score":0.12557888589799404},{"text":"The worst they say is no.","start":207.915,"end":209.19499,"sentiment":"negative","sentiment_score":-0.4069806585709254},{"text":"At least you can say you've tried.","start":209.19499,"end":210.89499,"sentiment":"neutral","sentiment_score":-0.19139992339270456},{"text":"But please keep me updated because, yeah, look, I've seen a lot of different compassionate grounds claims that go through, but I've honestly never seen it done for vet vet bills.","start":211.435,"end":219.915,"sentiment":"neutral","sentiment_score":-0.15454221444745217},{"text":"So we'll give it a crack and see what happens.","start":219.915,"end":222.09499,"sentiment":"neutral","sentiment_score":-0.12783294022083283}],"sentiment":"neutral","sentiment_score":-0.16118113658037678,"num_words":58,"start":206.96,"end":222.09499},{"sentences":[{"text":"Yeah.","start":223.40999,"end":223.89,"sentiment":"neutral","sentiment_score":0.009726835414767264},{"text":"No.","start":223.89,"end":224.20999,"sentiment":"neutral","sentiment_score":-0.11166981607675552},{"text":"Perfect.","start":224.20999,"end":224.70999,"sentiment":"neutral","sentiment_score":0.14090168476104736},{"text":"All good.","start":224.93,"end":225.75,"sentiment":"neutral","sentiment_score":0.24240075051784515},{"text":"Yeah.","start":228.68999,"end":229.18999,"sentiment":"positive","sentiment_score":0.37314140796661377}],"sentiment":"neutral","sentiment_score":0.14948360218356052,"num_words":6,"start":223.40999,"end":229.18999},{"sentences":[{"text":"That's all good.","start":229.65,"end":230.68999,"sentiment":"positive","sentiment_score":0.5408063729604086},{"text":"Well, I'll give you an update on your super.","start":230.68999,"end":232.68999,"sentiment":"neutral","sentiment_score":0.1884735276301702},{"text":"So your your balance inside your hub 24 super as of the July 24 is a 196,467 and 46¢.","start":232.68999,"end":242.815,"sentiment":"neutral","sentiment_score":0.12699806979960865},{"text":"Within host plus, we do have an updated balance of $17,086.20.","start":243.115,"end":248.795,"sentiment":"neutral","sentiment_score":0.1030596833337437},{"text":"That is as of September last year.","start":248.795,"end":250.635,"sentiment":"neutral","sentiment_score":0.05239623465708324}],"sentiment":"neutral","sentiment_score":0.14802242256700993,"num_words":49,"start":229.65,"end":250.635},{"sentences":[{"text":"We haven't been able to get updated research since that point.","start":250.635,"end":253.93,"sentiment":"neutral","sentiment_score":-0.09125576693225991},{"text":"I know that Peter sent through a third party authority for you to sign.","start":254.23,"end":259.19,"sentiment":"neutral","sentiment_score":-0.004911632277071476},{"text":"Have you received that at all?","start":259.19,"end":261.05,"sentiment":"neutral","sentiment_score":-0.059844390799601875},{"text":"Yeah.","start":263.83,"end":264.23,"sentiment":"neutral","sentiment_score":-0.004109671339392662},{"text":"Absolutely.","start":264.23,"end":264.73,"sentiment":"neutral","sentiment_score":-0.0011599771678447723}],"sentiment":"neutral","sentiment_score":-0.04354279640723358,"num_words":33,"start":250.635,"end":264.73},{"sentences":[{"text":"So we just need to get that yeah.","start":264.95,"end":269.225,"sentiment":"neutral","sentiment_score":-0.01977536967024207},{"text":"Absolutely.","start":269.225,"end":269.725,"sentiment":"neutral","sentiment_score":-0.02788874134421349},{"text":"Abs have no.","start":270.185,"end":272.505,"sentiment":"neutral","sentiment_score":-0.04046994944413503},{"text":"Absolutely.","start":272.505,"end":273.005,"sentiment":"neutral","sentiment_score":0.196758434176445},{"text":"We definitely wanna get that sorted for you, so we just need to get that down to the party authority sign so we can get the updated research and clarify exactly what's happening within host plus there.","start":274.025,"end":283.68,"sentiment":"neutral","sentiment_score":0.16003480654310537}],"sentiment":"neutral","sentiment_score":0.11621089458465576,"num_words":50,"start":264.95,"end":283.68},{"sentences":[{"text":"With regards to your hub 24 sleeper there, your balance this time last year, you had a 172,484, and now you're up to a 196 of four sixty seven there.","start":283.9,"end":295.41998,"sentiment":"neutral","sentiment_score":0.23703410079081852},{"text":"So you have had after fees and a 6.84% return, which is a good solid positive return.","start":295.41998,"end":301.635,"sentiment":"positive","sentiment_score":0.41195481489686403},{"text":"As a dollar figure, the income and the growth within the period is 13,645.","start":302.815,"end":309.375,"sentiment":"neutral","sentiment_score":0.21651967189141683},{"text":"So it kinda gives you an idea of what 6% looks like for your balance there.","start":309.375,"end":313.71,"sentiment":"neutral","sentiment_score":0.15052350284531713},{"text":"It is certainly a little bit lower than where we would sort of like it to be given you are in that growth portfolio.","start":314.01,"end":319.87,"sentiment":"negative","sentiment_score":-0.4110118088622888}],"sentiment":"neutral","sentiment_score":0.09593686055723984,"num_words":101,"start":283.9,"end":319.87},{"sentences":[{"text":"Generally, when we're looking at that sort of portfolio, you're sort of hoping for or tracking around about a seven to 9% return compounded annually there.","start":320.97,"end":328.775,"sentiment":"neutral","sentiment_score":0.03292817604513122},{"text":"So it is a little bit lower than where I would like it to sort of be for the year.","start":328.775,"end":332.79498,"sentiment":"neutral","sentiment_score":-0.2546848848462105},{"text":"It is partly because of what's been happening globally with the US, Iran war.","start":332.855,"end":337.51498,"sentiment":"neutral","sentiment_score":-0.1415167557341712},{"text":"Yeah.","start":337.735,"end":338.1,"sentiment":"neutral","sentiment_score":-0.074863500893116},{"text":"However, I can also see one of your investments underperforming a little bit in there as well.","start":339.30002,"end":343.94,"sentiment":"neutral","sentiment_score":-0.2574601138339323}],"sentiment":"neutral","sentiment_score":-0.13680109148845077,"num_words":78,"start":320.97,"end":343.94},{"sentences":[{"text":"So you did have or do have been along Australian equities.","start":343.94,"end":347.24,"sentiment":"neutral","sentiment_score":-0.16087974337014285},{"text":"That one there is the only one that's sort of down and down because that investment hasn't been able to sorry.","start":347.7,"end":353.72498,"sentiment":"negative","sentiment_score":-0.38808211116563707},{"text":"That investment is meant to be outperforming against the market, the idea of having an active manager in your portfolio.","start":353.72498,"end":359.26498,"sentiment":"neutral","sentiment_score":-0.2630671516060829},{"text":"They have not been able to do that, and they have, unfortunately, had a fewer underlying issues that I've been able to sort of evaluate there.","start":360.04498,"end":362.81833,"sentiment":"negative","sentiment_score":-0.4767267692547578},{"text":"So I would like to issues that I've been able to sort of evaluate there.","start":362.81833,"end":368.67667,"sentiment":"neutral","sentiment_score":-0.16593300998210908}],"sentiment":"neutral","sentiment_score":-0.32327565262394564,"num_words":93,"start":343.94,"end":368.67667},{"sentences":[{"text":"So I would like to, if you're comfortable, update the advice for you, remove that investment, and look at putting something else in its place.","start":368.67667,"end":374.52997,"sentiment":"neutral","sentiment_score":-0.12294608518481255},{"text":"I don't want you to be in anything underperforming.","start":374.52997,"end":376.43,"sentiment":"neutral","sentiment_score":-0.30775737596882713},{"text":"Yeah.","start":376.97,"end":377.47,"sentiment":"neutral","sentiment_score":-0.1085311472415924},{"text":"Absolutely.","start":380.45502,"end":380.95502,"sentiment":"neutral","sentiment_score":0.17595429718494415},{"text":"Now you're still really young.","start":381.33502,"end":383.015,"sentiment":"neutral","sentiment_score":-0.05600692182779312}],"sentiment":"neutral","sentiment_score":-0.14770926762281394,"num_words":41,"start":368.67667,"end":383.015},{"sentences":[{"text":"You've got a lot of time on your side here at the moment, so you can't actually access super till the age of 60.","start":383.015,"end":388.295,"sentiment":"neutral","sentiment_score":-0.03561605202654997},{"text":"Is that kind of your goal age still?","start":388.295,"end":390.21503,"sentiment":"neutral","sentiment_score":-0.0394766740500927},{"text":"Are you hoping to be able to retire as early as possible?","start":390.21503,"end":393.67502,"sentiment":"neutral","sentiment_score":-0.024520039247969787},{"text":"Yeah.","start":396.83,"end":396.99,"sentiment":"neutral","sentiment_score":0.07124734669923782},{"text":"Absolutely.","start":396.99,"end":397.49,"sentiment":"neutral","sentiment_score":0.12611094117164612}],"sentiment":"neutral","sentiment_score":-0.027553930959623794,"num_words":46,"start":383.015,"end":397.49},{"sentences":[{"text":"Yeah.","start":399.38998,"end":399.63,"sentiment":"neutral","sentiment_score":0.1179068684577942},{"text":"Yeah.","start":399.63,"end":400.03,"sentiment":"neutral","sentiment_score":0.16488081216812134},{"text":"Absolutely.","start":400.03,"end":400.53,"sentiment":"neutral","sentiment_score":0.2269057035446167},{"text":"Just double checking your goal age there at the moment because, realistically, you've got more than ten years ahead of you.","start":400.59,"end":406.19,"sentiment":"neutral","sentiment_score":0.06793947690831763},{"text":"When you think about your super, are you wanting me to look at replacing Banda Long but keeping more of an active manager in your portfolio, or are you wanting to look at more of a a portfolio that's maybe low cost, a bit cheaper in investment fees, but still working harder than, you know, at the moment?","start":406.19,"end":422.535,"sentiment":"neutral","sentiment_score":0.009260471043144834}],"sentiment":"neutral","sentiment_score":0.030164996582287842,"num_words":82,"start":399.38998,"end":422.535},{"sentences":[{"text":"What are you sort of looking for in the way of a portfolio?","start":422.535,"end":424.795,"sentiment":"neutral","sentiment_score":-0.00847967964811967},{"text":"Yeah.","start":434.93997,"end":435.43997,"sentiment":"neutral","sentiment_score":0.009090472012758257},{"text":"Yep.","start":435.81998,"end":436.31998,"sentiment":"neutral","sentiment_score":0.059720516204833984},{"text":"Yeah.","start":437.9,"end":438.21997,"sentiment":"neutral","sentiment_score":0.032332226634025574},{"text":"That's okay.","start":438.21997,"end":438.825,"sentiment":"neutral","sentiment_score":0.12019577994942665}],"sentiment":"neutral","sentiment_score":0.012849941073606411,"num_words":18,"start":422.535,"end":438.825},{"sentences":[{"text":"Yeah.","start":439.46503,"end":439.785,"sentiment":"neutral","sentiment_score":0.1132538914680481},{"text":"That's okay.","start":439.785,"end":440.42502,"sentiment":"neutral","sentiment_score":0.1630467250943184},{"text":"So you'd be comfortable looking at more of a passively managed low cost portfolio to save on fees rather than having an active manager taking on more risk trying to outperform against the market.","start":440.42502,"end":450.58502,"sentiment":"neutral","sentiment_score":0.1683685301857836},{"text":"Would you say that's fairly comfortable, or would you prefer the other way around?","start":450.58502,"end":453.98,"sentiment":"neutral","sentiment_score":0.056180808427078385},{"text":"Yeah.","start":454.04,"end":454.36,"sentiment":"neutral","sentiment_score":0.00806992407888174}],"sentiment":"neutral","sentiment_score":0.1338168963467559,"num_words":52,"start":439.46503,"end":454.36},{"sentences":[{"text":"Yeah.","start":454.36,"end":454.86,"sentiment":"neutral","sentiment_score":0.01728248782455921},{"text":"Yeah.","start":455.8,"end":456.2,"sentiment":"neutral","sentiment_score":0.1887082606554031},{"text":"Beautiful.","start":456.2,"end":456.7,"sentiment":"positive","sentiment_score":0.4889771342277527},{"text":"And look.","start":456.84,"end":457.24,"sentiment":"neutral","sentiment_score":0.3124347925186157},{"text":"Lower cost fees means more money stays in your portfolio working harder for you, so that's never a bad thing.","start":457.24,"end":462.52,"sentiment":"neutral","sentiment_score":0.2596899665892124}],"sentiment":"neutral","sentiment_score":0.2605454719811678,"num_words":25,"start":454.36,"end":462.52},{"sentences":[{"text":"And I've got a couple of options I can look to replace that for you.","start":462.52,"end":465.96,"sentiment":"neutral","sentiment_score":0.1390220706661542},{"text":"Fantastic.","start":465.96,"end":466.46,"sentiment":"positive","sentiment_score":0.5038843154907227},{"text":"Otherwise, everything else in your portfolio has been performing very nicely there.","start":467.83502,"end":471.99503,"sentiment":"positive","sentiment_score":0.4841085647543271},{"text":"Your gold, especially, is up by over 14.18% for the that's good to see.","start":471.99503,"end":477.05502,"sentiment":"positive","sentiment_score":0.41180479313646046},{"text":"The S and P 500 is up over 12% individually there, And we've also got bank hybrids.","start":477.355,"end":482.88,"sentiment":"neutral","sentiment_score":0.21295280842220082}],"sentiment":"neutral","sentiment_score":0.30142344067157323,"num_words":59,"start":462.52,"end":482.88},{"sentences":[{"text":"So those are more of a more of a, sorry, defensive investments and lower risk.","start":482.88,"end":487.76,"sentiment":"neutral","sentiment_score":0.1208998680114746},{"text":"So they are looking to phase those out over the next couple of years.","start":487.76,"end":491.44,"sentiment":"neutral","sentiment_score":0.09706449987632888},{"text":"So I'll probably look to maybe readjust a few other options in the portfolio if you're comfortable just removing some investments and maybe looking at something that's maybe had a greater past performance and give you this you know, can, you know, provide greater future performance and sort of help to put you in a better position over the next five to ten years.","start":491.44,"end":509.49002,"sentiment":"neutral","sentiment_score":0.12558076018467546},{"text":"Are you comfortable with me updating everything and looking at it all?","start":509.49002,"end":512.85004,"sentiment":"neutral","sentiment_score":0.06154641850541035},{"text":"Yeah.","start":512.85004,"end":513.35004,"sentiment":"neutral","sentiment_score":0.09158496558666228}],"sentiment":"neutral","sentiment_score":0.11358218545199565,"num_words":106,"start":482.88,"end":513.35004},{"sentences":[{"text":"Excellent.","start":514.69,"end":515.17,"sentiment":"positive","sentiment_score":0.3360983729362488},{"text":"All good.","start":515.17,"end":515.57,"sentiment":"positive","sentiment_score":0.5907957851886749},{"text":"I had a really good look at things before the call, and I was like, we can definitely do some advice, but just wanna make sure you're comfortable with that as well.","start":515.57,"end":521.57,"sentiment":"positive","sentiment_score":0.3940516319125891},{"text":"If you ever decide you don't want to, you're welcome to come back and say, no.","start":521.57,"end":524.905,"sentiment":"neutral","sentiment_score":-0.1303357594879344},{"text":"Don't do it.","start":524.905,"end":525.625,"sentiment":"neutral","sentiment_score":-0.17238988478978476}],"sentiment":"neutral","sentiment_score":0.21342222885815082,"num_words":54,"start":514.69,"end":525.625},{"sentences":[{"text":"Okay?","start":525.625,"end":526.125,"sentiment":"neutral","sentiment_score":-0.0013734884560108185},{"text":"Excellent.","start":527.945,"end":528.445,"sentiment":"positive","sentiment_score":0.5671046376228333},{"text":"All good.","start":528.585,"end":529.325,"sentiment":"positive","sentiment_score":0.5148250758647919},{"text":"Now the other thing I just wanted to sort of chat about was last year, we did provide some updated advice around the insurance aspect there.","start":529.465,"end":536.10504,"sentiment":"neutral","sentiment_score":0.051508328734109037},{"text":"Because inside your Hub twenty four super fund, sorry, host plus super funds.","start":536.10504,"end":540.96,"sentiment":"neutral","sentiment_score":-0.001959573907347826}],"sentiment":"neutral","sentiment_score":0.06765403226017952,"num_words":43,"start":525.625,"end":540.96},{"sentences":[{"text":"My apologies.","start":540.96,"end":541.62006,"sentiment":"neutral","sentiment_score":-0.12838077917695045},{"text":"Your life and TPD cover, you're currently covered for based on the last research, a 193,832 of life and total permanent disability cover.","start":542.24005,"end":552.82,"sentiment":"neutral","sentiment_score":-0.017717808161092842},{"text":"I know in the last advice document last year, we were looking to increase and get more retail cover for you and cover you for about 1,100,000 of life and TBD.","start":553.295,"end":563.15497,"sentiment":"neutral","sentiment_score":0.004093863250267121},{"text":"Are you still wanting to maybe look at re adjusting and looking at new cover, or are you happy with the amount of cover you have in host plus?","start":563.535,"end":571.0,"sentiment":"neutral","sentiment_score":-0.022266089241823245},{"text":"What's your thought?","start":571.0,"end":571.98,"sentiment":"neutral","sentiment_score":-0.009519643771151701}],"sentiment":"neutral","sentiment_score":-0.013768601188944145,"num_words":88,"start":540.96,"end":571.98},{"sentences":[{"text":"Yep.","start":574.76,"end":575.26,"sentiment":"negative","sentiment_score":-0.349351167678833},{"text":"That's okay.","start":576.36,"end":577.16003,"sentiment":"neutral","sentiment_score":-0.04997554421424866},{"text":"Did you want me to maybe look at whether we can just keep the level of cover you have in host plus and maybe transfer that into hub 24.","start":577.16003,"end":584.795,"sentiment":"neutral","sentiment_score":-0.014634714301290184},{"text":"So you can still move everything out of host plus into hub 24 and only have one super fund rather than the two, but still just retain that cheap life and TPD cover you have.","start":584.795,"end":595.62,"sentiment":"neutral","sentiment_score":-0.0010905452072620392},{"text":"Is that preferred?","start":595.62,"end":596.68,"sentiment":"neutral","sentiment_score":0.018336109817028046}],"sentiment":"neutral","sentiment_score":-0.012240996052111899,"num_words":70,"start":574.76,"end":596.68},{"sentences":[{"text":"Yeah.","start":597.78,"end":598.18,"sentiment":"neutral","sentiment_score":0.2134592831134796},{"text":"Beautiful.","start":598.18,"end":598.68,"sentiment":"positive","sentiment_score":0.44012272357940674},{"text":"I'm just I do have your pre assessment we did up last year as well.","start":598.9,"end":602.58,"sentiment":"neutral","sentiment_score":0.22370817363262177},{"text":"So just kinda going through.","start":602.58,"end":604.44,"sentiment":"neutral","sentiment_score":0.2101682811975479},{"text":"It honestly looks fine.","start":605.14,"end":606.58,"sentiment":"neutral","sentiment_score":0.29575803875923157}],"sentiment":"neutral","sentiment_score":0.2401183912387261,"num_words":26,"start":597.78,"end":606.58},{"sentences":[{"text":"Can I just run through these couple of questions again for you just to sort of confirm eligibility just to make sure there's no changes there?","start":606.58,"end":613.315,"sentiment":"neutral","sentiment_score":0.08815974434121297},{"text":"Are you currently off work or unable to perform your duties on a normal full time basis at all?","start":614.415,"end":619.555,"sentiment":"neutral","sentiment_score":-0.08304008723873842},{"text":"Nope.","start":619.77496,"end":620.27496,"sentiment":"neutral","sentiment_score":-0.1070246547460556},{"text":"Have you in the last twelve months been absent from work or unable to perform your normal occupational duties?","start":620.89496,"end":626.52,"sentiment":"neutral","sentiment_score":-0.1241192868665645},{"text":"No.","start":627.86,"end":628.18,"sentiment":"neutral","sentiment_score":-0.07387883216142654}],"sentiment":"neutral","sentiment_score":-0.027648155182374245,"num_words":66,"start":606.58,"end":628.18},{"sentences":[{"text":"You haven't been off work for more than six days other than having a cold or flu?","start":628.18,"end":632.82,"sentiment":"neutral","sentiment_score":-0.1275572033927721},{"text":"No.","start":632.82,"end":633.22,"sentiment":"neutral","sentiment_score":-0.15215149521827698},{"text":"All good.","start":633.22,"end":633.96,"sentiment":"neutral","sentiment_score":0.0044072531163692474},{"text":"Oh, fantastic.","start":635.86,"end":636.68,"sentiment":"positive","sentiment_score":0.4343184679746628},{"text":"Have you have you ever been diagnosed with or do you suffer from an illness that may cause permanent inability to go to work on a normal full time basis?","start":637.38,"end":647.04504,"sentiment":"neutral","sentiment_score":-0.049734468944370745}],"sentiment":"neutral","sentiment_score":-0.05644628036623964,"num_words":52,"start":628.18,"end":647.04504},{"sentences":[{"text":"Nope.","start":647.10504,"end":647.60504,"sentiment":"neutral","sentiment_score":-0.0860525369644165},{"text":"Have you ever had an insurance application for death, PPD, total permanent disability, income protection, sickness, or accident refuse?","start":647.825,"end":655.66,"sentiment":"neutral","sentiment_score":-0.07001816285283942},{"text":"Nope.","start":657.24,"end":657.72,"sentiment":"neutral","sentiment_score":-0.06731362640857697},{"text":"Have you ever been paid, or are you eligible pay to be paid for any type of claim that's government benefits, worth of compensation, or any insurance claim?","start":657.72,"end":666.7,"sentiment":"neutral","sentiment_score":-0.059647737736148496},{"text":"Nope.","start":667.48,"end":667.98,"sentiment":"neutral","sentiment_score":-0.08224865794181824}],"sentiment":"neutral","sentiment_score":-0.06472193144261837,"num_words":50,"start":647.10504,"end":667.98},{"sentences":[{"text":"And have you ever had insurance application for death, death and TPD, term illness or income protection offered on a modified or not offered on nonstandard terms?","start":668.21497,"end":678.395,"sentiment":"neutral","sentiment_score":-0.08737971647470086},{"text":"Nope.","start":679.65497,"end":680.055,"sentiment":"neutral","sentiment_score":-0.003694038838148117},{"text":"Perfect.","start":680.055,"end":680.535,"sentiment":"neutral","sentiment_score":0.17655974626541138},{"text":"Excellent.","start":680.535,"end":681.035,"sentiment":"neutral","sentiment_score":0.22573456168174744},{"text":"So based on this, the pre assessment there, it looks like eligibility.","start":681.095,"end":684.79,"sentiment":"neutral","sentiment_score":0.09342647592226665}],"sentiment":"neutral","sentiment_score":-0.019988913443826493,"num_words":42,"start":668.21497,"end":684.79},{"sentences":[{"text":"So what I'll do is I'll just go back and complete the research there for you.","start":684.85,"end":688.55,"sentiment":"neutral","sentiment_score":0.01424773340113461},{"text":"I'll update the advice document to reflect some changes to your super fund with the recommended investments, look at how that's gonna can help you moving forward, and let's also look at maybe moving that cover over, keeping the life and TPD exactly as it is, and just trying to consolidate everything into one fund to make it easier for you.","start":689.25,"end":708.34,"sentiment":"neutral","sentiment_score":0.11353069043061773},{"text":"Does that sound okay?","start":708.34,"end":709.64,"sentiment":"neutral","sentiment_score":0.07480612397193909},{"text":"Fantastic.","start":711.3,"end":711.8,"sentiment":"positive","sentiment_score":0.509253740310669},{"text":"Excellent.","start":712.18,"end":712.68,"sentiment":"positive","sentiment_score":0.5272306203842163}],"sentiment":"neutral","sentiment_score":0.10227764707552381,"num_words":83,"start":684.85,"end":712.68},{"sentences":[{"text":"Nice and easy.","start":712.98004,"end":713.96,"sentiment":"positive","sentiment_score":0.579723576704661},{"text":"Now we did originally also look at, like, income protection.","start":714.5,"end":717.96,"sentiment":"neutral","sentiment_score":-0.006719911843538285},{"text":"You don't have any income protection or trauma covered.","start":718.10004,"end":720.66003,"sentiment":"neutral","sentiment_score":-0.052111772199471794},{"text":"Do you remember going through those with me last year and chatting a bit more detail about them?","start":720.66003,"end":725.605,"sentiment":"neutral","sentiment_score":-0.009038820241888365},{"text":"Yeah.","start":729.58496,"end":729.825,"sentiment":"neutral","sentiment_score":0.11485645920038225}],"sentiment":"neutral","sentiment_score":0.02817374040804258,"num_words":41,"start":712.98004,"end":729.825},{"sentences":[{"text":"That's absolutely fine.","start":729.825,"end":730.865,"sentiment":"neutral","sentiment_score":0.27431975801785785},{"text":"It's not a problem at all.","start":730.865,"end":732.325,"sentiment":"neutral","sentiment_score":0.2258265515168508},{"text":"If there any point you change your mind, just come back and let me know.","start":732.385,"end":735.445,"sentiment":"neutral","sentiment_score":0.05289021631081899},{"text":"Because income protection does sort of cover that a percentage of your income if you're unable to go to work.","start":736.65,"end":742.81,"sentiment":"neutral","sentiment_score":0.002601756155490875},{"text":"So not having it.","start":742.81,"end":743.61,"sentiment":"neutral","sentiment_score":0.003955600783228874}],"sentiment":"neutral","sentiment_score":0.06331519487624367,"num_words":48,"start":729.825,"end":743.61},{"sentences":[{"text":"It's just about making sure you've got something to fall back on.","start":743.61,"end":746.51,"sentiment":"neutral","sentiment_score":0.07451695731530587},{"text":"Do you have much in the way of savings, or how's your expenditure look like?","start":746.81,"end":751.385,"sentiment":"neutral","sentiment_score":-0.01904790036690732},{"text":"No.","start":751.385,"end":751.885,"sentiment":"neutral","sentiment_score":-0.09423999488353728},{"text":"No.","start":753.225,"end":753.725,"sentiment":"neutral","sentiment_score":-0.0964907556772232},{"text":"It's all going on the mortgage.","start":753.785,"end":755.405,"sentiment":"neutral","sentiment_score":-0.05665028281509876}],"sentiment":"neutral","sentiment_score":0.0022243581379630738,"num_words":35,"start":743.61,"end":755.405},{"sentences":[{"text":"Yep.","start":757.145,"end":757.465,"sentiment":"neutral","sentiment_score":0.13157273828983307},{"text":"That's okay.","start":757.465,"end":758.185,"sentiment":"neutral","sentiment_score":0.23541659116744995},{"text":"And you're comfortable with just, like, where everything is sitting?","start":758.185,"end":760.985,"sentiment":"neutral","sentiment_score":0.1541500374674797},{"text":"Just we'll focus on life and TPD and look at income protection and possibly trauma and things like that down the track for you.","start":760.985,"end":767.04,"sentiment":"neutral","sentiment_score":0.11865027900785208},{"text":"Yeah.","start":768.06,"end":768.45996,"sentiment":"positive","sentiment_score":0.34283047914505005}],"sentiment":"neutral","sentiment_score":0.1403774597535008,"num_words":38,"start":757.145,"end":768.45996},{"sentences":[{"text":"Excellent.","start":768.45996,"end":768.95996,"sentiment":"positive","sentiment_score":0.5502718687057495},{"text":"All good.","start":769.1,"end":769.83997,"sentiment":"positive","sentiment_score":0.43077051639556885},{"text":"Income wise, I had you on about a 120,000 last year.","start":770.3,"end":773.66,"sentiment":"neutral","sentiment_score":0.09671157530762932},{"text":"Have you got a pay increase since then at all?","start":773.66,"end":776.0,"sentiment":"neutral","sentiment_score":0.03742553237825632},{"text":"Oh, no.","start":778.22,"end":779.445,"sentiment":"neutral","sentiment_score":-0.05395300779491663}],"sentiment":"neutral","sentiment_score":0.10546113607975152,"num_words":26,"start":768.45996,"end":779.445},{"sentences":[{"text":"Okay.","start":782.805,"end":783.305,"sentiment":"neutral","sentiment_score":-0.0054345764219760895},{"text":"Well, yeah, you're definitely worth it.","start":786.325,"end":788.585,"sentiment":"positive","sentiment_score":0.36019756148258847},{"text":"Absolutely.","start":790.885,"end":791.385,"sentiment":"positive","sentiment_score":0.41737306118011475},{"text":"Beautiful.","start":792.52,"end":793.02,"sentiment":"positive","sentiment_score":0.5437378287315369},{"text":"And you're not salary sacrificing or not wanting to put any additional in the super at the moment over and above your employer contributions.","start":793.72,"end":800.14,"sentiment":"neutral","sentiment_score":0.0938920082213978}],"sentiment":"neutral","sentiment_score":0.16273545089996222,"num_words":33,"start":782.805,"end":800.14},{"sentences":[{"text":"Is that right?","start":800.27997,"end":801.18,"sentiment":"neutral","sentiment_score":0.06256321320931117},{"text":"No.","start":803.0,"end":803.32,"sentiment":"neutral","sentiment_score":-0.124453566968441},{"text":"That's okay.","start":803.32,"end":803.96,"sentiment":"neutral","sentiment_score":-0.08902353420853615},{"text":"We're sort of focusing on getting the mortgage down as fast as we can.","start":803.96,"end":807.055,"sentiment":"neutral","sentiment_score":-0.09272113335984093},{"text":"Is that sort of your main goal still?","start":807.055,"end":808.995,"sentiment":"neutral","sentiment_score":-0.015675556380301714}],"sentiment":"neutral","sentiment_score":-0.05493968977992024,"num_words":28,"start":800.27997,"end":808.995},{"sentences":[{"text":"Yeah.","start":810.495,"end":810.89496,"sentiment":"neutral","sentiment_score":0.08613139390945435},{"text":"Beautiful.","start":810.89496,"end":811.39496,"sentiment":"neutral","sentiment_score":0.16883452236652374},{"text":"Mortgage wise, we had you on about owing about 340,000 last year.","start":811.855,"end":816.815,"sentiment":"neutral","sentiment_score":0.012982705452789864},{"text":"Have you reduced it a bit since then?","start":816.815,"end":824.09,"sentiment":"neutral","sentiment_score":-0.011779543245211244},{"text":"Yep.","start":824.59,"end":825.09,"sentiment":"neutral","sentiment_score":0.005201452877372503}],"sentiment":"neutral","sentiment_score":0.01398797776631039,"num_words":23,"start":810.495,"end":825.09},{"sentences":[{"text":"$3.80?","start":825.59,"end":826.31,"sentiment":"neutral","sentiment_score":0.0060932389460504055},{"text":"Yep.","start":826.31,"end":826.79004,"sentiment":"neutral","sentiment_score":0.05414166301488876},{"text":"Beautiful.","start":826.79004,"end":827.29004,"sentiment":"neutral","sentiment_score":0.28272441029548645},{"text":"All good.","start":827.43005,"end":828.09,"sentiment":"neutral","sentiment_score":0.26830514520406723},{"text":"And the property we had valued at 700,000 with having that old, and you woulda had it revalued again.","start":828.55005,"end":834.255,"sentiment":"neutral","sentiment_score":0.026137062005306546}],"sentiment":"neutral","sentiment_score":0.05734057419855768,"num_words":24,"start":825.59,"end":834.255},{"sentences":[{"text":"What sort of value did they put on it?","start":834.255,"end":836.355,"sentiment":"neutral","sentiment_score":0.004297955789499813},{"text":"Oh, fantastic.","start":839.055,"end":839.875,"sentiment":"neutral","sentiment_score":0.3001578003168106},{"text":"Excellent.","start":840.415,"end":840.915,"sentiment":"neutral","sentiment_score":0.3039325475692749},{"text":"I've also got your motor vehicle down here, a value of about 17,000.","start":842.175,"end":846.43994,"sentiment":"neutral","sentiment_score":0.1027972073509143},{"text":"What sort of value would you put on your car currently?","start":846.57996,"end":849.0,"sentiment":"neutral","sentiment_score":0.02542954005978324}],"sentiment":"neutral","sentiment_score":0.07108384407021934,"num_words":36,"start":834.255,"end":849.0},{"sentences":[{"text":"10?","start":853.77997,"end":854.1,"sentiment":"neutral","sentiment_score":0.01776077412068844},{"text":"Yeah.","start":854.1,"end":854.33997,"sentiment":"neutral","sentiment_score":0.07263541221618652},{"text":"Beautiful.","start":854.33997,"end":854.66,"sentiment":"neutral","sentiment_score":0.1997280716896057},{"text":"What kind of vehicle is it?","start":854.66,"end":856.04,"sentiment":"neutral","sentiment_score":0.05913258654375871},{"text":"Yeah.","start":857.77997,"end":858.1,"sentiment":"neutral","sentiment_score":0.13916520774364471}],"sentiment":"neutral","sentiment_score":0.07840849850326777,"num_words":10,"start":853.77997,"end":858.1},{"sentences":[{"text":"Perfect.","start":858.1,"end":858.6,"sentiment":"positive","sentiment_score":0.38302159309387207},{"text":"They hold their value pretty well, those things.","start":858.74,"end":860.83997,"sentiment":"neutral","sentiment_score":0.25436656549572945},{"text":"Everyone still wants a RAV four.","start":860.945,"end":862.485,"sentiment":"neutral","sentiment_score":0.10528275743126869},{"text":"We had a loan of about 3,000.","start":863.745,"end":865.985,"sentiment":"neutral","sentiment_score":0.021373097385678972},{"text":"Have you refinanced that or managed to pay it off?","start":865.985,"end":868.885,"sentiment":"neutral","sentiment_score":-0.028179343533702196}],"sentiment":"neutral","sentiment_score":0.09117090337531408,"num_words":32,"start":858.1,"end":868.885},{"sentences":[{"text":"Gone?","start":869.345,"end":869.825,"sentiment":"neutral","sentiment_score":-0.11985163390636444},{"text":"Yes.","start":869.825,"end":870.325,"sentiment":"neutral","sentiment_score":-0.02963297814130783},{"text":"Fantastic.","start":871.185,"end":871.685,"sentiment":"positive","sentiment_score":0.4776457250118256},{"text":"Sorry.","start":873.265,"end":873.58496,"sentiment":"neutral","sentiment_score":0.035538606345653534},{"text":"Any other cars, boats, or caravans that you'd note down with value?","start":873.58496,"end":877.11,"sentiment":"neutral","sentiment_score":0.03324938612058759}],"sentiment":"neutral","sentiment_score":0.04766827204730362,"num_words":16,"start":869.345,"end":877.11},{"sentences":[{"text":"No.","start":878.93,"end":879.32996,"sentiment":"neutral","sentiment_score":-0.0503557026386261},{"text":"That's okay.","start":879.32996,"end":880.14996,"sentiment":"neutral","sentiment_score":0.0020281964098103344},{"text":"Any collections or tools of trade or shares or cryptocurrency that you have as well?","start":880.52997,"end":885.50995,"sentiment":"neutral","sentiment_score":0.010373138884703318},{"text":"No.","start":886.93,"end":887.43,"sentiment":"neutral","sentiment_score":-0.08909480273723602},{"text":"That's okay.","start":887.88995,"end":888.87,"sentiment":"neutral","sentiment_score":0.043739053420722485}],"sentiment":"neutral","sentiment_score":0.005127670359797776,"num_words":21,"start":878.93,"end":888.87},{"sentences":[{"text":"All good.","start":888.93,"end":889.67,"sentiment":"neutral","sentiment_score":0.3043622821569443},{"text":"I've got down here estate planning side of things.","start":891.22504,"end":894.10504,"sentiment":"neutral","sentiment_score":0.012255469957987467},{"text":"I had it noted that you guys didn't have a will or power of attorney done up.","start":894.10504,"end":897.705,"sentiment":"neutral","sentiment_score":-0.05549938231706619},{"text":"Is that something you've discussed or looked at doing or spoken to a solicitor about?","start":897.705,"end":902.52,"sentiment":"neutral","sentiment_score":-0.04682341329753399},{"text":"No.","start":909.88,"end":910.04004,"sentiment":"neutral","sentiment_score":-0.07350940257310867}],"sentiment":"neutral","sentiment_score":-0.022734688806601545,"num_words":44,"start":888.93,"end":910.04004},{"sentences":[{"text":"That's okay.","start":910.04004,"end":911.02,"sentiment":"neutral","sentiment_score":0.0683379527181387},{"text":"All good.","start":911.16003,"end":911.80005,"sentiment":"positive","sentiment_score":0.3424672484397888},{"text":"And with your beneficiary nominations, I have it down here that you want your life cover and your super paid out to Katrina in the event that anything happens.","start":911.80005,"end":920.135,"sentiment":"neutral","sentiment_score":0.13069200952505244},{"text":"It's a 100% paid to her.","start":920.59503,"end":922.195,"sentiment":"neutral","sentiment_score":0.11808356394370396},{"text":"That's still valid and correct.","start":922.195,"end":923.815,"sentiment":"neutral","sentiment_score":0.19033888578414918}],"sentiment":"neutral","sentiment_score":0.14254260207103056,"num_words":44,"start":910.04004,"end":923.815},{"sentences":[{"text":"Yep.","start":925.47504,"end":925.79504,"sentiment":"neutral","sentiment_score":0.24097463488578796},{"text":"Beautiful.","start":925.79504,"end":926.275,"sentiment":"positive","sentiment_score":0.5078715085983276},{"text":"Now the type of nomination that you do have, I'm pretty sure we attached it last year.","start":926.275,"end":930.115,"sentiment":"neutral","sentiment_score":0.16307151054634766},{"text":"You do have it as a binding nomination, so it does mean that we have to review that and have it updated and refilled out every three years.","start":930.115,"end":937.8,"sentiment":"neutral","sentiment_score":0.14212572681052343},{"text":"The next time it's due is essentially this time next year.","start":938.02,"end":941.56,"sentiment":"neutral","sentiment_score":0.07857457412914796}],"sentiment":"neutral","sentiment_score":0.14422245670495362,"num_words":58,"start":925.47504,"end":941.56},{"sentences":[{"text":"Are you happy with the type of nomination?","start":942.5,"end":944.76,"sentiment":"neutral","sentiment_score":0.15984490886330605},{"text":"Did you want us to maybe update the advice to reflect, you know, recommendations around making a nomination?","start":945.22,"end":950.71497,"sentiment":"neutral","sentiment_score":0.06620423247416814},{"text":"You don't have to continuously update.","start":950.71497,"end":952.71497,"sentiment":"neutral","sentiment_score":0.025942737547059853},{"text":"What would you sort of comfort level wise feel?","start":952.71497,"end":955.615,"sentiment":"neutral","sentiment_score":0.07192366673714584},{"text":"Yeah?","start":955.915,"end":956.415,"sentiment":"neutral","sentiment_score":0.10912945866584778}],"sentiment":"neutral","sentiment_score":0.0805365319053332,"num_words":42,"start":942.5,"end":956.415},{"sentences":[{"text":"Beautiful.","start":956.95496,"end":957.45496,"sentiment":"positive","sentiment_score":0.4636422991752625},{"text":"Just with the the other type of nomination you that you can have is a binding nonlapsing.","start":957.51495,"end":962.02997,"sentiment":"neutral","sentiment_score":0.17870686422376073},{"text":"It means that you fill the nomination out once, and you don't have to fill it out ever again unless you change the type of nomination.","start":962.17,"end":968.67,"sentiment":"neutral","sentiment_score":0.09888932653344594},{"text":"Normally I mean, depending on how things are, normally, we don't wanna change that from our spouse unless they pass away first or something changes in our relationship.","start":969.20996,"end":977.745,"sentiment":"neutral","sentiment_score":-0.05314473834420953},{"text":"And we review that with you every year anyway.","start":978.52496,"end":980.845,"sentiment":"neutral","sentiment_score":0.05609203067918619}],"sentiment":"neutral","sentiment_score":0.06283403806572344,"num_words":81,"start":956.95496,"end":980.845},{"sentences":[{"text":"So it just means that we don't have to ask you to pre fill that form out every three years, which can get kind of arduous and annoying.","start":980.845,"end":987.265,"sentiment":"neutral","sentiment_score":-0.08629416581243277},{"text":"So if you're comfortable to do that, beautiful.","start":988.47,"end":991.67,"sentiment":"positive","sentiment_score":0.5113688819110394},{"text":"I'll reflect that in the advice document for you as well, but I'll also get the team to make sure we send it out and update it.","start":991.67,"end":997.53,"sentiment":"neutral","sentiment_score":0.30621726590174214},{"text":"Are you happy with us pre filling the nomination for you with Katrina's details to make life a bit easier?","start":997.91,"end":1003.435,"sentiment":"neutral","sentiment_score":0.27354552373290064},{"text":"Yep.","start":1003.575,"end":1004.075,"sentiment":"neutral","sentiment_score":0.15201029181480408}],"sentiment":"neutral","sentiment_score":0.18530358759952442,"num_words":84,"start":980.845,"end":1004.075},{"sentences":[{"text":"Fantastic.","start":1005.655,"end":1006.155,"sentiment":"positive","sentiment_score":0.6390871405601501},{"text":"And did you prefer that to be emailed or posted to you or both?","start":1006.375,"end":1010.315,"sentiment":"neutral","sentiment_score":0.12090181612542697},{"text":"Both.","start":1012.775,"end":1013.275,"sentiment":"neutral","sentiment_score":0.10384996235370636},{"text":"Yeah.","start":1013.73505,"end":1013.97504,"sentiment":"neutral","sentiment_score":0.09860210120677948},{"text":"Absolutely fine.","start":1013.97504,"end":1014.935,"sentiment":"neutral","sentiment_score":0.2135111540555954}],"sentiment":"neutral","sentiment_score":0.15585194410462128,"num_words":19,"start":1005.655,"end":1014.935},{"sentences":[{"text":"I'll also get them to send out that third party authority for host plus.","start":1014.935,"end":1017.97003,"sentiment":"neutral","sentiment_score":0.14089516763176238},{"text":"Again, we'll try and get it all sent out in one one hit.","start":1017.97003,"end":1020.93,"sentiment":"neutral","sentiment_score":0.13130897025649363},{"text":"See the signing everything at once.","start":1020.93,"end":1022.95,"sentiment":"neutral","sentiment_score":0.07710764308770497},{"text":"Absolutely.","start":1023.33,"end":1023.83,"sentiment":"neutral","sentiment_score":0.31278085708618164},{"text":"Fantastic.","start":1024.77,"end":1025.27,"sentiment":"positive","sentiment_score":0.4345610737800598}],"sentiment":"neutral","sentiment_score":0.1397010499877589,"num_words":35,"start":1014.935,"end":1025.27},{"sentences":[{"text":"The only other thing gonna touch on is just your risk profile there as well.","start":1026.6901,"end":1030.765,"sentiment":"neutral","sentiment_score":0.06277716966966788},{"text":"So you are in that growth environment at the moment, which has, like, an eighty twenty split there.","start":1030.765,"end":1035.4249,"sentiment":"neutral","sentiment_score":-0.0028846581569976276},{"text":"Having a look at the other questions that you've got more than ten years ahead of you before accessing your super, You've never invested in your own name before, have you?","start":1036.125,"end":1044.9501,"sentiment":"neutral","sentiment_score":-0.0013182341541734437},{"text":"Have you ever owned shares?","start":1044.9501,"end":1046.3301,"sentiment":"neutral","sentiment_score":-0.007878044806420802},{"text":"Nope.","start":1047.03,"end":1047.35,"sentiment":"neutral","sentiment_score":-0.09187284111976624}],"sentiment":"neutral","sentiment_score":0.01025150534696877,"num_words":70,"start":1026.6901,"end":1047.35},{"sentences":[{"text":"That's okay.","start":1047.35,"end":1048.17,"sentiment":"neutral","sentiment_score":-0.042552610859274864},{"text":"In the event that, say, the market took a big dive, say, 20% or more in the next one to two years, how do you think you might be feeling?","start":1048.79,"end":1056.385,"sentiment":"neutral","sentiment_score":-0.03447686483462652},{"text":"Do you think you'd be okay?","start":1056.385,"end":1057.845,"sentiment":"neutral","sentiment_score":-0.03594331257045269},{"text":"The buying opportunity, you're not retiring yet, you'll hold and wait, or do you think you'd be a bit more concerned than maybe contacting us?","start":1057.985,"end":1064.3049,"sentiment":"neutral","sentiment_score":-0.09995069041848183},{"text":"How do you think you might feel in that instance?","start":1064.3049,"end":1066.245,"sentiment":"neutral","sentiment_score":-0.03248207233846188}],"sentiment":"neutral","sentiment_score":-0.056967931863379805,"num_words":73,"start":1047.35,"end":1066.245},{"sentences":[{"text":"Yep.","start":1075.48,"end":1075.8,"sentiment":"neutral","sentiment_score":0.11434167623519896},{"text":"Yep.","start":1075.8,"end":1076.04,"sentiment":"neutral","sentiment_score":0.11666010320186616},{"text":"That's okay.","start":1076.04,"end":1076.68,"sentiment":"neutral","sentiment_score":0.26771970093250275},{"text":"Maybe give us a call, see what's happening, and, yeah, have a chat about it.","start":1076.68,"end":1081.0801,"sentiment":"neutral","sentiment_score":0.106768386811018},{"text":"Beautiful.","start":1081.0801,"end":1081.5801,"sentiment":"positive","sentiment_score":0.677829384803772}],"sentiment":"neutral","sentiment_score":0.15228981841355563,"num_words":20,"start":1075.48,"end":1081.5801},{"sentences":[{"text":"All good.","start":1081.8,"end":1082.54,"sentiment":"positive","sentiment_score":0.6413348615169525},{"text":"The other question I'd like to sort of go through is, you know, we're all looking to try and get the best returns we possibly can out of our super.","start":1083.4349,"end":1089.5349,"sentiment":"neutral","sentiment_score":0.02935730032622814},{"text":"But when you think of yourself and the type of risk level that you're undertaking, do you consider yourself comfortable taking on a higher level of risk to obtain greater potential returns, or do you feel you're more in the middle, medium range?","start":1089.755,"end":1102.89,"sentiment":"neutral","sentiment_score":-0.0749472938477993},{"text":"You are comfortable with a moderate amount of risk trying to get the best returns you possibly can, or do you consider yourself not comfortable taking on any risk and receiving lower rates of returns because of that?","start":1102.89,"end":1113.1749,"sentiment":"neutral","sentiment_score":-0.09613665810933239},{"text":"Where do you think you fit?","start":1113.1749,"end":1114.5549,"sentiment":"neutral","sentiment_score":-0.029546298397084076}],"sentiment":"neutral","sentiment_score":-0.0410908882451408,"num_words":119,"start":1081.8,"end":1114.5549},{"sentences":[{"text":"The medium?","start":1114.9349,"end":1115.6749,"sentiment":"neutral","sentiment_score":0.0009880582801997662},{"text":"Yep.","start":1115.815,"end":1116.315,"sentiment":"neutral","sentiment_score":0.09265026450157166},{"text":"Beautiful.","start":1117.255,"end":1117.755,"sentiment":"neutral","sentiment_score":0.2868441939353943},{"text":"And have you ever thought about borrowing from a bank or financial institution in order to invest in shares or managed funds, or would you only ever do that for, say, property?","start":1118.375,"end":1130.21,"sentiment":"neutral","sentiment_score":0.021444975180202164},{"text":"Yep.","start":1130.51,"end":1131.01,"sentiment":"neutral","sentiment_score":0.05903124064207077}],"sentiment":"neutral","sentiment_score":0.030452460037997446,"num_words":37,"start":1114.9349,"end":1131.01},{"sentences":[{"text":"Property.","start":1131.39,"end":1131.89,"sentiment":"neutral","sentiment_score":0.06794536113739014},{"text":"That's okay.","start":1132.59,"end":1133.23,"sentiment":"neutral","sentiment_score":0.10830512270331383},{"text":"Do you wanna own more property in the future, or you're happy this is your main primary residence?","start":1133.23,"end":1137.33,"sentiment":"neutral","sentiment_score":0.08380075575162967},{"text":"What's the sort of goal property Yep.","start":1137.39,"end":1140.865,"sentiment":"neutral","sentiment_score":0.14286315707223757},{"text":"That's absolutely fine.","start":1141.1649,"end":1142.7849,"sentiment":"neutral","sentiment_score":0.3196260134379069}],"sentiment":"neutral","sentiment_score":0.12102868870621727,"num_words":31,"start":1131.39,"end":1142.7849},{"sentences":[{"text":"So looking at that, you have scored there in that growth range.","start":1143.645,"end":1146.5249,"sentiment":"neutral","sentiment_score":0.17417404552300772},{"text":"So it sees an eighty twenty split to 80% growth assets like Australian international shares, listed property, and commodities like gold and silver, and then 20% in low risk defensive investments like cash, bonds, and fixed interest.","start":1146.5249,"end":1159.4901,"sentiment":"neutral","sentiment_score":0.09282853987974089},{"text":"This suits someone who has at least six years before accessing their money.","start":1159.9501,"end":1163.4701,"sentiment":"neutral","sentiment_score":0.005907718951885517},{"text":"You've got more than that ahead of you.","start":1163.4701,"end":1165.65,"sentiment":"neutral","sentiment_score":-0.021950724301859736},{"text":"We do expect a likelihood of a negative return, say, one in every five years.","start":1166.03,"end":1170.345,"sentiment":"neutral","sentiment_score":-0.21025626957416535}],"sentiment":"neutral","sentiment_score":0.026730529766748935,"num_words":85,"start":1143.645,"end":1170.345},{"sentences":[{"text":"And as I said before, we're kind of, wanting to try and get about seven to 9% on a yearly basis.","start":1170.345,"end":1175.545,"sentiment":"neutral","sentiment_score":-0.08313041854472387},{"text":"So anything over that 9% isn't over full performance.","start":1175.545,"end":1178.525,"sentiment":"neutral","sentiment_score":-0.08414758824639851},{"text":"It's done really well.","start":1178.585,"end":1179.885,"sentiment":"neutral","sentiment_score":0.24259667471051216},{"text":"Anything under that 7% isn't under performance, and we wanna make sure that it's either the performance of the fund, like what's happening within the individual investments, or if it's because of market reactions, then it's completely understandable.","start":1179.9451,"end":1192.5,"sentiment":"neutral","sentiment_score":-0.041512190192741785},{"text":"Okay?","start":1192.96,"end":1193.44,"sentiment":"neutral","sentiment_score":0.016394775360822678}],"sentiment":"neutral","sentiment_score":-0.04238012105175485,"num_words":73,"start":1170.345,"end":1193.44},{"sentences":[{"text":"Does that all make sense?","start":1193.44,"end":1194.6399,"sentiment":"neutral","sentiment_score":0.04000296518206596},{"text":"Do you have questions?","start":1194.6399,"end":1195.7799,"sentiment":"neutral","sentiment_score":0.02449190244078636},{"text":"You're welcome to let me know if you do.","start":1195.84,"end":1197.525,"sentiment":"positive","sentiment_score":0.3772465768787596},{"text":"Fantastic.","start":1200.725,"end":1201.225,"sentiment":"positive","sentiment_score":0.6240946650505066},{"text":"The only other thing now just updating here, you said you're not really saving much at the moment.","start":1202.485,"end":1206.645,"sentiment":"neutral","sentiment_score":-0.07723911520507601}],"sentiment":"neutral","sentiment_score":0.07910789780922838,"num_words":37,"start":1193.44,"end":1206.645},{"sentences":[{"text":"Everything's kinda going into your expenditure.","start":1206.645,"end":1208.905,"sentiment":"neutral","sentiment_score":-0.07569356200595696},{"text":"If yeah.","start":1210.965,"end":1212.185,"sentiment":"neutral","sentiment_score":0.1063678227365017},{"text":"Perfect.","start":1212.9,"end":1213.3,"sentiment":"positive","sentiment_score":0.5216397047042847},{"text":"So I'll keep you in that kind of growth environment there.","start":1213.3,"end":1216.28,"sentiment":"positive","sentiment_score":0.3835390968756242},{"text":"The next sort of five to six years, we have medium term goals here is that yourself and Katrina, your main focus there was to ensure that the kids have what they need and to take each day as it comes and to take some small family trips away.","start":1217.3,"end":1232.1849,"sentiment":"neutral","sentiment_score":0.10855914066944804}],"sentiment":"neutral","sentiment_score":0.14229770922574445,"num_words":69,"start":1206.645,"end":1232.1849},{"sentences":[{"text":"Is that still kind of your medium term goal?","start":1232.965,"end":1235.385,"sentiment":"neutral","sentiment_score":0.11937677239378293},{"text":"Have you been able to do that?","start":1235.445,"end":1237.065,"sentiment":"neutral","sentiment_score":0.08385595892156873},{"text":"Yeah.","start":1243.9801,"end":1244.4801,"sentiment":"neutral","sentiment_score":0.02000647410750389},{"text":"Have you got any kind of ideas on where you'd like to go?","start":1246.8601,"end":1249.8201,"sentiment":"neutral","sentiment_score":0.05278317315074114},{"text":"What kind of camping or a bit further away?","start":1249.8201,"end":1252.9601,"sentiment":"neutral","sentiment_score":0.02393704776962598}],"sentiment":"neutral","sentiment_score":0.06623086715355897,"num_words":39,"start":1232.965,"end":1252.9601},{"sentences":[{"text":"Yeah.","start":1260.5951,"end":1260.995,"sentiment":"neutral","sentiment_score":0.09336943179368971},{"text":"Absolutely.","start":1260.995,"end":1261.495,"sentiment":"neutral","sentiment_score":0.17833644151687622},{"text":"Absolutely.","start":1261.875,"end":1262.375,"sentiment":"neutral","sentiment_score":0.14246726036071777},{"text":"And we wanted to one of the goals I had noted here was that by the time you do retire at 60, you wanna be completely debt free and have that mortgage down.","start":1262.515,"end":1270.375,"sentiment":"neutral","sentiment_score":0.12493791566653685},{"text":"When you think about your mortgage, is there kind of, like, a goal amount that you're hoping to have paid off over the next sort of five to ten years, or you're just trying to sort of hack at it as much as you possibly can and reduce it as quickly as possible?","start":1270.6699,"end":1281.89,"sentiment":"neutral","sentiment_score":0.04085937683593552}],"sentiment":"neutral","sentiment_score":0.07531091374125373,"num_words":89,"start":1260.5951,"end":1281.89},{"sentences":[{"text":"Yeah.","start":1282.9099,"end":1283.4099,"sentiment":"neutral","sentiment_score":-0.11609559506177902},{"text":"Yeah.","start":1284.6699,"end":1285.1699,"sentiment":"neutral","sentiment_score":-0.031154867261648175},{"text":"Not a problem at all.","start":1285.3099,"end":1286.27,"sentiment":"neutral","sentiment_score":-0.014090104401111603},{"text":"A bit tough for those interest rates going up and down.","start":1286.27,"end":1289.6849,"sentiment":"negative","sentiment_score":-0.4909139627760107},{"text":"A bit of a yoyo at the moment in it.","start":1289.6849,"end":1291.625,"sentiment":"negative","sentiment_score":-0.5093423187732696}],"sentiment":"negative","sentiment_score":-0.3825420629499214,"num_words":28,"start":1282.9099,"end":1291.625},{"sentences":[{"text":"I actually kind of feel for it because, like, my kids are seven 19 and 20, and I have a 10 year old.","start":1292.965,"end":1298.88,"sentiment":"neutral","sentiment_score":0.10478782070719678},{"text":"And, like, I feel for them.","start":1299.04,"end":1300.16,"sentiment":"neutral","sentiment_score":0.18461362831294537},{"text":"I love that my property is increasing in value, but I feel for them because without my assistance, I don't know what they're gonna ever be able to own or buy, and their mortgage payments are gonna be through the roof.","start":1300.16,"end":1309.28,"sentiment":"neutral","sentiment_score":0.16813889027732173},{"text":"And, you know, you've got a couple of kids as well, so it's pretty scary on that behalf, isn't it?","start":1309.28,"end":1316.665,"sentiment":"neutral","sentiment_score":-0.19183131791651248},{"text":"Yeah.","start":1316.665,"end":1317.165,"sentiment":"neutral","sentiment_score":-0.047144412994384766}],"sentiment":"neutral","sentiment_score":0.07173324589218412,"num_words":91,"start":1292.965,"end":1317.165},{"sentences":[{"text":"Oh, and because your kids are basically teenagers now, aren't they?","start":1317.625,"end":1321.325,"sentiment":"neutral","sentiment_score":-0.03533390469171784},{"text":"Wow.","start":1323.385,"end":1323.885,"sentiment":"neutral","sentiment_score":0.12237630784511566},{"text":"How is that going for you?","start":1324.345,"end":1326.045,"sentiment":"neutral","sentiment_score":0.1564833236237367},{"text":"Yeah.","start":1330.6,"end":1331.0,"sentiment":"neutral","sentiment_score":0.04923087731003761},{"text":"Yeah.","start":1331.0,"end":1331.24,"sentiment":"neutral","sentiment_score":0.038127124309539795}],"sentiment":"neutral","sentiment_score":0.03799806497991085,"num_words":20,"start":1317.625,"end":1331.24},{"sentences":[{"text":"Look, they did come out the other side.","start":1331.24,"end":1332.9199,"sentiment":"neutral","sentiment_score":0.030878976685926318},{"text":"My 19 and 20 year old are really good, but I had girls at that point.","start":1332.9199,"end":1336.36,"sentiment":"neutral","sentiment_score":-0.02449981914833188},{"text":"I'm about to go through it with the boys, and I keep saying to my friends, like, any advice on boys is a good thing because it's a whole another kettle of fish.","start":1336.36,"end":1343.34,"sentiment":"neutral","sentiment_score":-0.07745320214466615},{"text":"Yeah.","start":1345.7749,"end":1346.2749,"sentiment":"neutral","sentiment_score":0.04290167987346649},{"text":"No.","start":1346.4149,"end":1346.6549,"sentiment":"neutral","sentiment_score":-0.028221506625413895}],"sentiment":"neutral","sentiment_score":-0.045529504922234405,"num_words":59,"start":1331.24,"end":1346.6549},{"sentences":[{"text":"All good.","start":1346.6549,"end":1347.475,"sentiment":"neutral","sentiment_score":0.05984581634402275},{"text":"That's basically everything I needed to touch on at the moment.","start":1348.015,"end":1350.815,"sentiment":"neutral","sentiment_score":-0.05385643548586152},{"text":"So I'll go back and do some research for you and update the advice around trying to consolidate everything.","start":1350.815,"end":1356.4349,"sentiment":"neutral","sentiment_score":0.026186107510798855},{"text":"Keep your life in TPD.","start":1356.495,"end":1357.7749,"sentiment":"neutral","sentiment_score":0.047025004774332045},{"text":"We're not gonna focus on any trauma, child trauma, or income protection at the moment.","start":1357.7749,"end":1363.07,"sentiment":"neutral","sentiment_score":-0.02981188173095385}],"sentiment":"neutral","sentiment_score":-0.0036008907123827017,"num_words":52,"start":1346.6549,"end":1363.07},{"sentences":[{"text":"We can revisit those down the track if you'd like to.","start":1363.07,"end":1365.8099,"sentiment":"neutral","sentiment_score":0.07354948737404564},{"text":"I'll just focus on getting things consolidated, transferring your life and TPD where appropriate, and altering your investments within Super for you.","start":1366.6699,"end":1374.69,"sentiment":"neutral","sentiment_score":0.17385937002572147},{"text":"The the and the review pack you will have in your email does have the on your ongoing service agreement for the next twelve months there.","start":1377.345,"end":1383.105,"sentiment":"neutral","sentiment_score":0.06724035646766424},{"text":"So you do pay an ongoing service fee.","start":1383.105,"end":1385.0249,"sentiment":"neutral","sentiment_score":0.02898418717086315},{"text":"It is 1.65% per annum, and it's deducting a smaller monthly increments out of your super for our services there.","start":1385.0249,"end":1391.51,"sentiment":"neutral","sentiment_score":0.03721114434301853}],"sentiment":"neutral","sentiment_score":0.08457811671341288,"num_words":87,"start":1363.07,"end":1391.51},{"sentences":[{"text":"If feel free to have you look through that one.","start":1392.05,"end":1394.29,"sentiment":"neutral","sentiment_score":0.06402529068291188},{"text":"I've also got all the documents that we had attached with regard to what I've gone through with your super balance.","start":1394.29,"end":1399.99,"sentiment":"neutral","sentiment_score":0.07573290222457477},{"text":"It's got an index chart in there showing you market reactions over the last thirty years, and it's also got your insurance information there.","start":1400.37,"end":1407.625,"sentiment":"neutral","sentiment_score":0.06667806347832084},{"text":"And I'll get your third party authority done up and also your beneficiary nomination, and we'll get those out to you so we can get that research completed with host cost done in a nice timely manner there.","start":1407.625,"end":1418.845,"sentiment":"neutral","sentiment_score":0.20183142519703037},{"text":"Is there anything I may have missed or not touched on that you might have questions about?","start":1419.4401,"end":1423.92,"sentiment":"neutral","sentiment_score":0.03478339522638742}],"sentiment":"neutral","sentiment_score":0.10992572048509663,"num_words":110,"start":1392.05,"end":1423.92},{"sentences":[{"text":"Or yeah.","start":1423.92,"end":1427.76,"sentiment":"neutral","sentiment_score":0.15363073162734509},{"text":"Beautiful.","start":1427.76,"end":1428.16,"sentiment":"positive","sentiment_score":0.5222188234329224},{"text":"I'm just double checking your ID is up to date because Hostplus will want that with the third party authority.","start":1428.16,"end":1432.845,"sentiment":"neutral","sentiment_score":0.12974893637001514},{"text":"It does look like it's out of date on our file.","start":1433.085,"end":1435.485,"sentiment":"neutral","sentiment_score":-0.004253591664812781},{"text":"So I will just get the team to send you a text message as well if that's okay, and we'll just get you to update your ID, your license on file there as well.","start":1435.485,"end":1443.245,"sentiment":"neutral","sentiment_score":0.11076373223434477}],"sentiment":"neutral","sentiment_score":0.10505347649621613,"num_words":68,"start":1423.92,"end":1443.245},{"sentences":[{"text":"Okay?","start":1443.245,"end":1443.745,"sentiment":"neutral","sentiment_score":0.08306565880775452},{"text":"Easy.","start":1445.1649,"end":1445.645,"sentiment":"positive","sentiment_score":0.3577805757522583},{"text":"Is there any other questions or anything else that you might have for me at the moment?","start":1445.645,"end":1449.23,"sentiment":"neutral","sentiment_score":0.06674073768012664},{"text":"Or I touch on a lot fast.","start":1449.23,"end":1451.5499,"sentiment":"neutral","sentiment_score":0.024308180702584132},{"text":"Sorry.","start":1451.5499,"end":1452.0499,"sentiment":"neutral","sentiment_score":-0.006745938211679459}],"sentiment":"neutral","sentiment_score":0.06440185562328056,"num_words":27,"start":1443.245,"end":1452.0499},{"sentences":[{"text":"That's okay.","start":1454.6699,"end":1455.57,"sentiment":"neutral","sentiment_score":0.16801097989082336},{"text":"Beautiful.","start":1455.7899,"end":1456.2899,"sentiment":"positive","sentiment_score":0.5797239542007446},{"text":"Beautiful.","start":1456.4299,"end":1456.9299,"sentiment":"positive","sentiment_score":0.6111431121826172},{"text":"We'll get this working for you.","start":1456.99,"end":1458.59,"sentiment":"positive","sentiment_score":0.5601853281259537},{"text":"I'll update the advice in a couple of weeks there.","start":1458.59,"end":1460.805,"sentiment":"neutral","sentiment_score":0.27308834344148636}],"sentiment":"positive","sentiment_score":0.3809442214667797,"num_words":20,"start":1454.6699,"end":1460.805},{"sentences":[{"text":"You'll be able to go back and read the advice and decide whether you take on the recommendations or not.","start":1461.045,"end":1465.125,"sentiment":"neutral","sentiment_score":0.2618682786822319},{"text":"In the meantime, if you have any questions or concerns or anything else, let me know.","start":1465.125,"end":1469.785,"sentiment":"neutral","sentiment_score":0.17814821563661098},{"text":"More than happy to sort of touch base and have a chat.","start":1469.8451,"end":1472.4851,"sentiment":"positive","sentiment_score":0.4502995510896047},{"text":"And did you want another sort of review with of things in, like, six months, three months, or are you happy with the sponsor year?","start":1472.4851,"end":1479.14,"sentiment":"neutral","sentiment_score":0.05601274356245994},{"text":"What would you like to see, Andrew?","start":1479.14,"end":1480.68,"sentiment":"neutral","sentiment_score":0.009668867768985885}],"sentiment":"neutral","sentiment_score":0.18699165375437587,"num_words":80,"start":1461.045,"end":1480.68},{"sentences":[{"text":"Six months?","start":1483.4601,"end":1484.18,"sentiment":"neutral","sentiment_score":0.02123549673706293},{"text":"Beautiful.","start":1484.18,"end":1484.68,"sentiment":"positive","sentiment_score":0.6805671453475952},{"text":"We'll get one in around about Christmas time just before we go away for the break, so that'll be fantastic.","start":1484.8201,"end":1489.895,"sentiment":"positive","sentiment_score":0.4734846740961075},{"text":"Excellent.","start":1490.3551,"end":1490.8551,"sentiment":"positive","sentiment_score":0.7554755210876465},{"text":"Thank you so much for your time.","start":1492.035,"end":1493.395,"sentiment":"positive","sentiment_score":0.8238234094211033}],"sentiment":"positive","sentiment_score":0.539192613154169,"num_words":31,"start":1483.4601,"end":1493.395},{"sentences":[{"text":"I'll let you go to enjoy your day, and I hope you have a good week, and I'll get stuck into this research for you.","start":1493.395,"end":1499.3151,"sentiment":"positive","sentiment_score":0.5496218240261078},{"text":"Okay.","start":1499.3151,"end":1499.6849,"sentiment":"neutral","sentiment_score":0.3281058371067047},{"text":"My pleasure.","start":1501.205,"end":1501.845,"sentiment":"positive","sentiment_score":0.675216794013977},{"text":"Thanks for your time today, Andrew.","start":1501.845,"end":1503.0449,"sentiment":"positive","sentiment_score":0.7631697754065195},{"text":"Appreciate it.","start":1503.0449,"end":1503.845,"sentiment":"positive","sentiment_score":0.7211644947528839}],"sentiment":"positive","sentiment_score":0.5955675741036733,"num_words":36,"start":1493.395,"end":1503.845},{"sentences":[{"text":"See you later.","start":1503.845,"end":1504.6649,"sentiment":"positive","sentiment_score":0.4652664164702098},{"text":"Bye.","start":1505.2849,"end":1505.7849,"sentiment":"neutral","sentiment_score":0.11383846402168274}],"sentiment":"positive","sentiment_score":0.377409428358078,"num_words":4,"start":1503.845,"end":1505.7849}]}}]},{"alternatives":[{"transcript":"You're speaking. Hello? Good. Thank you. How are you? Yeah. Yeah. That's fine. Yep. Full name, Andrew Carl Hurd. Address, 30 Robinson Way, Singleton Heights 2330. Date of birth, seventh of the second nineteen eighty four. Is that all? Yeah. Cool. Yeah. I just don't have my computer up at the moment. I'd have to use my yep. Yeah. Perfect. Well, to to be a 100% honest, I've just had my dog has just done a couple of ligaments, like two cruciate ligaments. And I'm looking at about 10 plus in things. And someone said to me, you might be able to take money out of your super to cover it. And I was like, I have no idea, but I've got an appointment, and I'll speak to lady anyway. So Yeah. Yeah. Right. Yeah. Okay. Ready to go. Yep. Yep. Yeah. Taken out. Yeah. Yeah. Yeah. That's alright. That's just, you know, like, everything's just so hard up at the moment with you have mortgage rates and god knows what. So yeah. I'll give it a go. Yeah. Yeah. You know, worthless. Yeah. That's it. But other than that, yeah, I'm just cruising. Same thing. Oh, I don't think I have. Can you resend it? Because I'd like to move that that that amount back over into my super. Like, out of host plus, I don't need it. Yep. Yeah. Yep. Uh-huh. Mhmm. I'm gonna go over process this. Yeah. Yeah. That'd be great. Yeah. Something that's performing better. Definitely. Well, I think we all are. But, yeah, where where where possible. No. Honestly, just to be putting as much in there as possible. So, yeah, look, whatever means needs to happen to to make that happen, I suppose, and what yeah. Anything that yeah. I can get in there, I will. Yeah. No. Probably the passenger. Yep. Uh-huh. Yeah. Definitely. Yeah. Definitely. Yes, please. Yep. Yeah. No. That's fine. Honestly, I'm pretty happy at the moment. I yeah. I don't wanna sort of push too hard at this stage. Yep. Yeah. That's our deal. Perfect. Yeah. Go. No. No. No. No. No. Not even that. So I've been good. Touch wood, it stays that way. No. No. No. No. Mhmm. Sounds great. Yep. Yeah. But yeah. Look at this page. I've just let that sort of slide. Yeah. Nope. Not anymore. Yeah. Pretty much. Yeah. That'd be great. No. It's gone back the other way because I changed positions. So I'm sitting in a sitting in about a 105 at this stage, but, yeah, literally just about to get a pay review. So it'll probably go up to about 110. I think so. Not at this point in time. No. It is. We refinanced at the start of the year, so it's going back the other way. So it's about 300 and I think about 3 80. That's $7.60. I'd probably say 10. Just a wrap for yeah. Yeah. Yep. It's gone. No. No lines at the moment. No. No. No. Not quite a bit. Yeah. Look. It is, yeah, still in the plan to get that done, but, yeah, haven't done anything with it at this stage. Mhmm. Yeah. That's correct. Yeah. That'd be fine. Yeah. We could could do that. Mhmm. Yeah. Yeah. Yeah. No. That's fine. I'm happy to go that way. Yeah. Yeah, please. Yeah. That'd be great. I'll get both just in case I miss one. Yeah. That'd be great. One big hit. Yep. No. Good question. I suppose yeah. Look. I mean, I'd still be comfortable, I think. Yeah. Yep. No. Probably the the moderate in the middle. Yeah. The second of the two options. I'd yeah. Just happy with my main primary residence at this stage. Mhmm. Yep. Mhmm. Mhmm. Yeah. Yeah. Yeah. No. No. That's all pretty good. Yep. Yeah. That's very tight. Mhmm. Mhmm. Yeah. That'd be nice. Yeah. Look. I'm probably over the last twelve months, and we've got in the right months. But, yeah, we can kinda need to be able to do it more I'd like to be able to do it more often. Not really at this stage. As I said, it's just sort of, yeah, focus on the main goal at the moment, which is just, yeah, making the end thing. Yeah. That's correct. Yeah. That's basically just hack out of this as not to look into anything. Yeah. That's basically just hack out of this as not to look into that. I mean That's something that's killing me. Yeah. Yeah. It's my phone. Yeah. Yeah. Exactly right. Yep. Something that I'm gonna have to look at in the next 10. Yeah. 14 and 12 is fine. Oh, yeah. As good as it is with the lower chain, I just suppose. Exactly. Yeah. Very true. Very true. Perfect. Mhmm. Yep. Yeah. Perfect. No. I think you've you've touched it all there. She's good. Yeah. Yeah. Not a problem. Yeah. No. Nothing that I can think of, but not everything's fine. I'll look maybe got six months. Sounds good. Mhmm. Thank you very much. Cheers. Bye.","confidence":0.9658203,"words":[{"word":"you're","start":0.16,"end":0.32,"confidence":0.7133789,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.008810063824057579},{"word":"speaking","start":0.32,"end":0.82,"confidence":0.95581055,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.009774796664714811},{"word":"hello","start":2.56,"end":3.06,"confidence":0.9851074,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.017699839547276497},{"word":"good","start":7.68,"end":8.0,"confidence":0.9946289,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.23992270231246948},{"word":"thank","start":8.0,"end":8.16,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.37192267179489136},{"word":"you","start":8.16,"end":8.4,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.22069519758224487},{"word":"how","start":8.4,"end":8.48,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.12301120162010191},{"word":"are","start":8.48,"end":8.639999,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11663498729467392},{"word":"you","start":8.639999,"end":9.139999,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.10102511942386629},{"word":"yeah","start":9.2,"end":9.7,"confidence":0.90283203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09209886938333511},{"word":"yeah","start":15.684999,"end":15.924999,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12352427840232848},{"word":"that's","start":15.924999,"end":16.244999,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1932370513677597},{"word":"fine","start":16.244999,"end":16.744999,"confidence":0.99853516,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.15170440077781677},{"word":"yep","start":24.965,"end":25.465,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1520097553730011},{"word":"full","start":32.85,"end":33.17,"confidence":0.96875,"punctuated_word":"Full","sentiment":"neutral","sentiment_score":0.06050443649291992},{"word":"name","start":33.17,"end":33.57,"confidence":0.9748535,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.06193376705050469},{"word":"andrew","start":33.57,"end":33.89,"confidence":0.94140625,"punctuated_word":"Andrew","sentiment":"neutral","sentiment_score":0.08146396279335022},{"word":"carl","start":33.89,"end":34.129997,"confidence":0.30664062,"punctuated_word":"Carl","sentiment":"neutral","sentiment_score":0.06638495624065399},{"word":"hurd","start":34.129997,"end":34.53,"confidence":0.758138,"punctuated_word":"Hurd.","sentiment":"neutral","sentiment_score":0.09323903173208235},{"word":"address","start":34.53,"end":35.01,"confidence":0.9614258,"punctuated_word":"Address,","sentiment":"neutral","sentiment_score":0.04506333917379379},{"word":"30","start":35.01,"end":35.329998,"confidence":0.99902344,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.050644636154174805},{"word":"robinson","start":35.329998,"end":35.829998,"confidence":0.98291016,"punctuated_word":"Robinson","sentiment":"neutral","sentiment_score":0.06681031733751297},{"word":"way","start":35.89,"end":36.21,"confidence":0.8925781,"punctuated_word":"Way,","sentiment":"neutral","sentiment_score":0.06403942406177521},{"word":"singleton","start":36.21,"end":36.71,"confidence":0.9770508,"punctuated_word":"Singleton","sentiment":"neutral","sentiment_score":0.0915318876504898},{"word":"heights","start":36.77,"end":37.09,"confidence":0.99902344,"punctuated_word":"Heights","sentiment":"neutral","sentiment_score":0.08900049328804016},{"word":"2330","start":37.09,"end":38.05,"confidence":0.81274414,"punctuated_word":"2330.","sentiment":"neutral","sentiment_score":0.0885925441980362},{"word":"date","start":38.05,"end":38.21,"confidence":0.9970703,"punctuated_word":"Date","sentiment":"neutral","sentiment_score":0.05690702795982361},{"word":"of","start":38.21,"end":38.37,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04386301711201668},{"word":"birth","start":38.37,"end":38.61,"confidence":0.99365234,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.04916486144065857},{"word":"seventh","start":38.61,"end":38.93,"confidence":0.9243164,"punctuated_word":"seventh","sentiment":"neutral","sentiment_score":0.06401284784078598},{"word":"of","start":38.93,"end":39.01,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07379930466413498},{"word":"the","start":39.01,"end":39.17,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.059176575392484665},{"word":"second","start":39.17,"end":39.489998,"confidence":0.9980469,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.06396032124757767},{"word":"nineteen","start":39.489998,"end":39.809998,"confidence":0.9604492,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.06709100306034088},{"word":"eighty","start":39.809998,"end":40.05,"confidence":0.9838867,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.06060269474983215},{"word":"four","start":40.05,"end":40.515,"confidence":0.99902344,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.06399674713611603},{"word":"is","start":41.075,"end":41.235,"confidence":0.8935547,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.16343171894550323},{"word":"that","start":41.235,"end":41.395,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1815623641014099},{"word":"all","start":41.395,"end":41.895,"confidence":0.8798828,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.18037614226341248},{"word":"yeah","start":42.995,"end":43.315,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3349096179008484},{"word":"cool","start":43.315,"end":43.815,"confidence":0.9946289,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5871759653091431},{"word":"yeah","start":45.315,"end":45.815,"confidence":0.91430664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10470897704362868},{"word":"i","start":53.7,"end":53.86,"confidence":0.39331055,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19920530915260315},{"word":"just","start":53.86,"end":54.18,"confidence":0.96875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1646040380001068},{"word":"don't","start":54.18,"end":54.34,"confidence":0.982666,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1739180088043213},{"word":"have","start":54.34,"end":54.420002,"confidence":0.9892578,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2064137905836105},{"word":"my","start":54.420002,"end":54.66,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.28423699736595154},{"word":"computer","start":54.66,"end":55.140003,"confidence":0.99902344,"punctuated_word":"computer","sentiment":"neutral","sentiment_score":-0.19525285065174103},{"word":"up","start":55.140003,"end":55.300003,"confidence":0.9194336,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2685757279396057},{"word":"at","start":55.300003,"end":55.38,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.22051215171813965},{"word":"the","start":55.38,"end":55.460003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1862352192401886},{"word":"moment","start":55.460003,"end":55.780003,"confidence":0.98583984,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.19211983680725095},{"word":"i'd","start":55.780003,"end":55.940002,"confidence":0.97631836,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.05306033045053482},{"word":"have","start":55.940002,"end":56.02,"confidence":0.6142578,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06610986590385437},{"word":"to","start":56.02,"end":56.18,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07188528031110764},{"word":"use","start":56.18,"end":56.34,"confidence":0.984375,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.06013505905866623},{"word":"my","start":56.34,"end":56.5,"confidence":0.8852539,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.056233253329992294},{"word":"yep","start":60.66,"end":61.16,"confidence":0.81730145,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.08906230330467224},{"word":"yeah","start":62.5,"end":62.74,"confidence":0.951416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06850095093250275},{"word":"perfect","start":62.74,"end":63.24,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.17872372269630432},{"word":"well","start":80.155,"end":80.655,"confidence":0.6876221,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.058225713670253754},{"word":"to","start":81.08,"end":81.24,"confidence":0.89501953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1023234874010086},{"word":"to","start":81.24,"end":81.48,"confidence":0.8310547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10253991186618804},{"word":"be","start":81.48,"end":81.88,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09572817385196686},{"word":"a","start":81.88,"end":81.96,"confidence":0.73583984,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11823976039886476},{"word":"100%","start":81.96,"end":82.78,"confidence":0.96777344,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":-0.09046363085508348},{"word":"honest","start":82.84,"end":83.34,"confidence":0.9729004,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":-0.10541179776191711},{"word":"i've","start":83.88,"end":84.12,"confidence":0.90625,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.135554701089859},{"word":"just","start":84.12,"end":84.44,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12137170135974884},{"word":"had","start":84.44,"end":84.92,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.10261356085538864},{"word":"my","start":86.36,"end":86.68,"confidence":0.9873047,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1275617480278015},{"word":"dog","start":86.68,"end":87.18,"confidence":1.0,"punctuated_word":"dog","sentiment":"neutral","sentiment_score":-0.09356986731290816},{"word":"has","start":87.56,"end":87.88,"confidence":0.96875,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.09767870604991911},{"word":"just","start":87.88,"end":88.04,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09640005230903624},{"word":"done","start":88.04,"end":88.54,"confidence":0.98535156,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.09649857878684998},{"word":"a","start":89.16,"end":89.32,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10084548592567444},{"word":"couple","start":89.32,"end":89.56,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.1238732859492302},{"word":"of","start":89.56,"end":89.64,"confidence":0.5986328,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11318393051624298},{"word":"ligaments","start":89.64,"end":90.14,"confidence":0.8914388,"punctuated_word":"ligaments,","sentiment":"neutral","sentiment_score":-0.0872277021408081},{"word":"like","start":90.2,"end":90.36,"confidence":0.9472656,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.07324425876140594},{"word":"two","start":90.36,"end":90.52,"confidence":0.7055664,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.10770068317651749},{"word":"cruciate","start":90.52,"end":91.0,"confidence":0.9588216,"punctuated_word":"cruciate","sentiment":"neutral","sentiment_score":-0.06954418867826462},{"word":"ligaments","start":91.0,"end":91.5,"confidence":0.8463542,"punctuated_word":"ligaments.","sentiment":"neutral","sentiment_score":-0.0815436840057373},{"word":"and","start":91.96,"end":92.2,"confidence":0.6616211,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06385935842990875},{"word":"i'm","start":92.2,"end":92.44,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.076983243227005},{"word":"looking","start":92.44,"end":92.94,"confidence":0.9873047,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.13997606933116913},{"word":"at","start":93.16,"end":93.4,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14149057865142822},{"word":"about","start":93.4,"end":93.72,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.12026341259479524},{"word":"10","start":93.72,"end":94.52,"confidence":0.9995117,"punctuated_word":"10","sentiment":"neutral","sentiment_score":-0.1085052415728569},{"word":"plus","start":94.52,"end":95.02,"confidence":0.9970703,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.096034437417984},{"word":"in","start":95.695,"end":96.015,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11158107966184616},{"word":"things","start":96.015,"end":96.415,"confidence":0.8708496,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.11415643244981766},{"word":"and","start":96.415,"end":96.814995,"confidence":0.97314453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09269245713949203},{"word":"someone","start":96.814995,"end":97.215,"confidence":0.9506836,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.1394006311893463},{"word":"said","start":97.215,"end":97.375,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.13457071781158447},{"word":"to","start":97.375,"end":97.534996,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13253244757652283},{"word":"me","start":97.534996,"end":97.615,"confidence":0.8496094,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.118871808052063},{"word":"you","start":97.615,"end":97.775,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11973854899406432},{"word":"might","start":97.775,"end":97.935,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.09677255153656006},{"word":"be","start":97.935,"end":98.015,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07457450032234192},{"word":"able","start":98.015,"end":98.134995,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.07625848799943924},{"word":"to","start":98.134995,"end":98.255,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10838934779167177},{"word":"take","start":98.255,"end":98.494995,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.14603456854820251},{"word":"money","start":98.494995,"end":98.655,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.12549032270908356},{"word":"out","start":98.655,"end":98.814995,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.09126125276088716},{"word":"of","start":98.814995,"end":98.895,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08957876265048981},{"word":"your","start":98.895,"end":99.134995,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1115311160683632},{"word":"super","start":99.134995,"end":99.375,"confidence":0.9838867,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.08556048572063446},{"word":"to","start":99.375,"end":99.534996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09651799499988556},{"word":"cover","start":99.534996,"end":99.775,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.07748913764953613},{"word":"it","start":99.775,"end":99.854996,"confidence":0.8754883,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.05820728838443756},{"word":"and","start":99.854996,"end":99.935,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.051860079169273376},{"word":"i","start":99.935,"end":100.015,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07357454299926758},{"word":"was","start":100.015,"end":100.174995,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05544016510248184},{"word":"like","start":100.174995,"end":100.415,"confidence":0.97314453,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04440810531377792},{"word":"i","start":100.415,"end":100.655,"confidence":0.98291016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06944725662469864},{"word":"have","start":100.655,"end":100.895,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07839088141918182},{"word":"no","start":100.895,"end":101.134995,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.0902947559952736},{"word":"idea","start":101.134995,"end":101.455,"confidence":0.9592285,"punctuated_word":"idea,","sentiment":"neutral","sentiment_score":-0.10553792119026184},{"word":"but","start":101.455,"end":101.695,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08478090167045593},{"word":"i've","start":101.695,"end":101.775,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.035908740013837814},{"word":"got","start":101.775,"end":101.935,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.05251055955886841},{"word":"an","start":101.935,"end":102.174995,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.022747796028852463},{"word":"appointment","start":102.174995,"end":102.494995,"confidence":0.81884766,"punctuated_word":"appointment,","sentiment":"neutral","sentiment_score":-0.028866374865174297},{"word":"and","start":102.494995,"end":102.655,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.039200156927108765},{"word":"i'll","start":102.655,"end":102.814995,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.029907073825597763},{"word":"speak","start":102.814995,"end":103.055,"confidence":0.9667969,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":-0.02594781294465065},{"word":"to","start":103.055,"end":103.215,"confidence":0.7583008,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.049875617027282715},{"word":"lady","start":103.215,"end":103.534996,"confidence":0.44140625,"punctuated_word":"lady","sentiment":"neutral","sentiment_score":-0.046292077749967575},{"word":"anyway","start":103.534996,"end":103.935,"confidence":0.9519043,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.03519537299871445},{"word":"so","start":103.935,"end":104.435,"confidence":0.89208984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.021726295351982117},{"word":"yeah","start":112.89,"end":113.39,"confidence":0.96850586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04467888921499252},{"word":"yeah","start":122.895004,"end":123.135,"confidence":0.9321289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03851933032274246},{"word":"right","start":123.135,"end":123.635,"confidence":0.93066406,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.07423767447471619},{"word":"yeah","start":135.89,"end":136.39,"confidence":0.9230957,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05942967161536217},{"word":"okay","start":141.41,"end":141.565,"confidence":0.7385254,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07098894566297531},{"word":"ready","start":141.565,"end":141.72,"confidence":0.31079102,"punctuated_word":"Ready","sentiment":"neutral","sentiment_score":0.1139228418469429},{"word":"to","start":141.72,"end":141.97,"confidence":0.82373047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14569421112537384},{"word":"go","start":141.97,"end":142.47,"confidence":0.9655762,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.1943836212158203},{"word":"yep","start":145.81,"end":146.31,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1176050454378128},{"word":"yep","start":153.015,"end":153.515,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09899669885635376},{"word":"yeah","start":163.52,"end":164.02,"confidence":0.9350586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05194861441850662},{"word":"taken","start":182.06499,"end":182.545,"confidence":0.50634766,"punctuated_word":"Taken","sentiment":"neutral","sentiment_score":-0.018162820488214493},{"word":"out","start":182.545,"end":182.78499,"confidence":0.93188477,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.0053061190992593765},{"word":"yeah","start":182.78499,"end":183.28499,"confidence":0.94018555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05445608124136925},{"word":"yeah","start":195.06999,"end":195.31,"confidence":0.8293457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09303821623325348},{"word":"yeah","start":195.31,"end":195.70999,"confidence":0.95166016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09740602970123292},{"word":"that's","start":195.70999,"end":196.03,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2394389808177948},{"word":"alright","start":196.03,"end":196.27,"confidence":0.7298584,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.2481423020362854},{"word":"that's","start":196.27,"end":196.51,"confidence":0.76000977,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.3647401928901672},{"word":"just","start":196.51,"end":196.75,"confidence":0.8256836,"punctuated_word":"just,","sentiment":"negative","sentiment_score":-0.3809296488761902},{"word":"you","start":196.75,"end":196.91,"confidence":0.9951172,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.40557822585105896},{"word":"know","start":196.91,"end":197.06999,"confidence":0.92749023,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.4570158720016479},{"word":"like","start":197.06999,"end":197.23,"confidence":0.9003906,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.3780596256256103},{"word":"everything's","start":197.23,"end":197.73,"confidence":0.77490234,"punctuated_word":"everything's","sentiment":"negative","sentiment_score":-0.426858514547348},{"word":"just","start":197.79,"end":198.03,"confidence":0.9873047,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.49899327754974365},{"word":"so","start":198.03,"end":198.19,"confidence":0.98291016,"punctuated_word":"so","sentiment":"negative","sentiment_score":-0.45250266790390015},{"word":"hard","start":198.19,"end":198.51,"confidence":0.9091797,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.4371684789657593},{"word":"up","start":198.51,"end":198.67,"confidence":0.6660156,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.4514492750167846},{"word":"at","start":198.67,"end":198.75,"confidence":0.9580078,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.5736954212188721},{"word":"the","start":198.75,"end":198.83,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5330597162246704},{"word":"moment","start":198.83,"end":199.15,"confidence":0.99902344,"punctuated_word":"moment","sentiment":"negative","sentiment_score":-0.5142415761947632},{"word":"with","start":199.15,"end":199.23,"confidence":0.84814453,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4407242238521576},{"word":"you","start":199.31,"end":199.47,"confidence":0.68408203,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.45284929871559143},{"word":"have","start":199.47,"end":199.63,"confidence":0.9838867,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4554085731506348},{"word":"mortgage","start":199.63,"end":200.03,"confidence":0.98828125,"punctuated_word":"mortgage","sentiment":"negative","sentiment_score":-0.40313494205474854},{"word":"rates","start":200.03,"end":200.27,"confidence":0.9838867,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":-0.3321802318096161},{"word":"and","start":200.27,"end":200.51,"confidence":0.80810547,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3930644690990448},{"word":"god","start":200.51,"end":200.75,"confidence":0.33544922,"punctuated_word":"god","sentiment":"negative","sentiment_score":-0.3950433135032654},{"word":"knows","start":200.75,"end":201.06999,"confidence":0.9951172,"punctuated_word":"knows","sentiment":"negative","sentiment_score":-0.3475185036659241},{"word":"what","start":201.06999,"end":201.15,"confidence":0.75390625,"punctuated_word":"what.","sentiment":"neutral","sentiment_score":-0.2803282141685486},{"word":"so","start":201.15,"end":201.23,"confidence":0.66796875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15311011672019958},{"word":"yeah","start":204.43,"end":204.67,"confidence":0.9458008,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.02904840931296349},{"word":"i'll","start":204.67,"end":204.83,"confidence":0.93896484,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07498753070831299},{"word":"give","start":204.83,"end":204.98999,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.11515133082866667},{"word":"it","start":204.98999,"end":205.15,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1300283819437027},{"word":"a","start":205.15,"end":205.23,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14628350734710693},{"word":"go","start":205.23,"end":205.665,"confidence":0.9001465,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.11258849501609802},{"word":"yeah","start":209.825,"end":210.325,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09272661805152892},{"word":"yeah","start":211.42499,"end":211.92499,"confidence":0.73828125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02542618289589882},{"word":"you","start":212.22499,"end":212.385,"confidence":0.5839844,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.07011071592569351},{"word":"know","start":212.385,"end":212.625,"confidence":0.5093994,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10185325145721436},{"word":"worthless","start":212.625,"end":213.125,"confidence":0.92089844,"punctuated_word":"worthless.","sentiment":"neutral","sentiment_score":-0.23608702421188352},{"word":"yeah","start":222.19,"end":222.43001,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00611785426735878},{"word":"that's","start":222.43001,"end":222.75,"confidence":0.9807129,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.009891054593026638},{"word":"it","start":222.75,"end":223.25,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.005051126703619957},{"word":"but","start":225.87001,"end":226.11,"confidence":0.6298828,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.046892791986465454},{"word":"other","start":226.11,"end":226.35,"confidence":0.9658203,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.05866383761167526},{"word":"than","start":226.35,"end":226.43001,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.04404948651790619},{"word":"that","start":226.43001,"end":226.67,"confidence":0.967041,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.08337445557117462},{"word":"yeah","start":226.67,"end":226.99,"confidence":0.9680176,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08843706548213959},{"word":"i'm","start":226.99,"end":227.15001,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15399490296840668},{"word":"just","start":227.15001,"end":227.55,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2027837336063385},{"word":"cruising","start":227.55,"end":228.05,"confidence":0.9543457,"punctuated_word":"cruising.","sentiment":"neutral","sentiment_score":0.22469860315322876},{"word":"same","start":228.27,"end":228.51001,"confidence":0.9453125,"punctuated_word":"Same","sentiment":"neutral","sentiment_score":0.2604302167892456},{"word":"thing","start":228.51001,"end":229.01001,"confidence":0.7216797,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.24563205242156985},{"word":"oh","start":261.565,"end":261.64502,"confidence":0.79785156,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.16398902237415314},{"word":"i","start":261.64502,"end":261.80502,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18275907635688785},{"word":"don't","start":261.80502,"end":261.965,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16258405148983002},{"word":"think","start":261.965,"end":262.125,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.19161969423294067},{"word":"i","start":262.125,"end":262.20502,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1840767115354538},{"word":"have","start":262.20502,"end":262.445,"confidence":0.96118164,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.25392964482307434},{"word":"can","start":262.445,"end":262.605,"confidence":0.99902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.1683204174041748},{"word":"you","start":262.605,"end":262.765,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23576951026916504},{"word":"resend","start":262.765,"end":263.165,"confidence":0.88793945,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":-0.1646859645843506},{"word":"it","start":263.165,"end":263.665,"confidence":0.9350586,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.0889938697218895},{"word":"because","start":265.165,"end":265.405,"confidence":0.8178711,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.03258998692035675},{"word":"i'd","start":265.405,"end":265.48502,"confidence":0.9970703,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.02950464002788067},{"word":"like","start":265.48502,"end":265.64502,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.002620793879032135},{"word":"to","start":265.64502,"end":265.80502,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012220211327075958},{"word":"move","start":265.80502,"end":265.965,"confidence":0.4189453,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.014596298336982729},{"word":"that","start":265.965,"end":266.20502,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010239429771900175},{"word":"that","start":266.20502,"end":266.525,"confidence":0.97998047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03242144733667374},{"word":"that","start":266.525,"end":266.765,"confidence":0.9560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08726796507835388},{"word":"amount","start":266.765,"end":267.08502,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.05457460880279541},{"word":"back","start":267.08502,"end":267.245,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.03187203407287598},{"word":"over","start":267.245,"end":267.48502,"confidence":0.9951172,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.01440110057592392},{"word":"into","start":267.48502,"end":267.64502,"confidence":0.4638672,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.034415096044540405},{"word":"my","start":267.64502,"end":267.965,"confidence":0.984375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02513466030359268},{"word":"super","start":267.965,"end":268.465,"confidence":0.520874,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.02108255960047245},{"word":"like","start":269.405,"end":269.64502,"confidence":0.86816406,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.03238018602132797},{"word":"out","start":269.64502,"end":269.885,"confidence":0.94970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06194214150309563},{"word":"of","start":269.885,"end":270.045,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05858194828033447},{"word":"host","start":270.045,"end":270.36502,"confidence":0.6196289,"punctuated_word":"host","sentiment":"neutral","sentiment_score":-0.05942825227975845},{"word":"plus","start":270.36502,"end":270.765,"confidence":0.82373047,"punctuated_word":"plus,","sentiment":"neutral","sentiment_score":-0.1605408489704132},{"word":"i","start":270.765,"end":270.92502,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17029611766338348},{"word":"don't","start":270.92502,"end":271.165,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10867669433355331},{"word":"need","start":271.165,"end":271.325,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.08007073402404785},{"word":"it","start":271.325,"end":271.825,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.12836547195911407},{"word":"yep","start":283.56,"end":284.06,"confidence":0.7976074,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1490468829870224},{"word":"yeah","start":302.15,"end":302.65,"confidence":0.77246094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18792732059955597},{"word":"yep","start":313.99,"end":314.445,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010945985093712808},{"word":"uh-huh","start":320.525,"end":321.025,"confidence":0.94804686,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.04079402610659599},{"word":"mhmm","start":335.22,"end":335.54,"confidence":0.920166,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0884440690279007},{"word":"i'm","start":335.54,"end":335.7,"confidence":0.57714844,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1340726613998413},{"word":"gonna","start":335.7,"end":335.94,"confidence":0.7441406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08862736076116562},{"word":"go","start":335.94,"end":336.02,"confidence":0.99121094,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.06751123070716858},{"word":"over","start":336.02,"end":336.34,"confidence":0.69384766,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.048104286193847656},{"word":"process","start":336.34,"end":336.74,"confidence":0.54833984,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.07033368200063705},{"word":"this","start":336.74,"end":337.24,"confidence":0.6029053,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":-0.11076977849006651},{"word":"yeah","start":371.67,"end":372.17,"confidence":0.88256836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11995914578437804},{"word":"yeah","start":374.905,"end":375.145,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.18050560355186465},{"word":"that'd","start":375.145,"end":375.385,"confidence":0.9567871,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":-0.30872946977615356},{"word":"be","start":375.385,"end":375.625,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3670426309108734},{"word":"great","start":375.625,"end":376.125,"confidence":1.0,"punctuated_word":"great.","sentiment":"neutral","sentiment_score":-0.3294360637664795},{"word":"yeah","start":377.70502,"end":377.945,"confidence":0.97314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.060350097715854645},{"word":"something","start":377.945,"end":378.345,"confidence":0.82958984,"punctuated_word":"Something","sentiment":"neutral","sentiment_score":-0.09882259368896484},{"word":"that's","start":378.345,"end":378.585,"confidence":0.98706055,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07733199745416641},{"word":"performing","start":378.585,"end":378.98502,"confidence":0.98291016,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.0002937614917755127},{"word":"better","start":378.98502,"end":379.225,"confidence":0.78515625,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.005893424153327942},{"word":"definitely","start":379.225,"end":379.725,"confidence":1.0,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.18137304484844208},{"word":"well","start":394.09998,"end":394.58,"confidence":0.8334961,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.009329233318567276},{"word":"i","start":394.58,"end":394.65997,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01722702383995056},{"word":"think","start":394.65997,"end":394.9,"confidence":0.9873047,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.024675577878952023},{"word":"we","start":394.9,"end":394.97998,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01879412680864334},{"word":"all","start":394.97998,"end":395.21997,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.014707744121551514},{"word":"are","start":395.21997,"end":395.71997,"confidence":0.85839844,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.008223537355661392},{"word":"but","start":396.65997,"end":396.9,"confidence":0.8198242,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.007081996649503708},{"word":"yeah","start":396.9,"end":397.13998,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08112625032663345},{"word":"where","start":397.13998,"end":397.46,"confidence":0.6357422,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.03208553045988083},{"word":"where","start":397.46,"end":397.86,"confidence":0.98095703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.05469883978366852},{"word":"where","start":397.86,"end":398.18,"confidence":0.5883789,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0943550169467926},{"word":"possible","start":398.18,"end":398.68,"confidence":0.83496094,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.12938609719276428},{"word":"no","start":425.39,"end":425.89,"confidence":0.96777344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12097344547510148},{"word":"honestly","start":426.03,"end":426.51,"confidence":0.8051758,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":-0.12357890605926514},{"word":"just","start":426.51,"end":426.75,"confidence":0.9448242,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1262272149324417},{"word":"to","start":426.75,"end":426.83,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1316297948360443},{"word":"be","start":426.83,"end":427.23,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11860531568527222},{"word":"putting","start":427.23,"end":427.47,"confidence":0.8354492,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.08926177024841309},{"word":"as","start":427.47,"end":427.63,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.10907286405563354},{"word":"much","start":427.63,"end":427.87,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0762515589594841},{"word":"in","start":427.87,"end":428.03,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09004687517881393},{"word":"there","start":428.03,"end":428.19,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.11235886067152023},{"word":"as","start":428.19,"end":428.35,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1412469744682312},{"word":"possible","start":428.35,"end":428.85,"confidence":0.9890137,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.1368589550256729},{"word":"so","start":431.215,"end":431.535,"confidence":0.7766113,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.031481608748435974},{"word":"yeah","start":431.535,"end":431.775,"confidence":0.96191406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.005856700241565704},{"word":"look","start":431.775,"end":432.095,"confidence":0.73461914,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.007943999022245407},{"word":"whatever","start":432.095,"end":432.595,"confidence":0.9951172,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.015119269490242004},{"word":"means","start":432.815,"end":433.13498,"confidence":0.96240234,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.01736946776509285},{"word":"needs","start":433.13498,"end":433.375,"confidence":0.97265625,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.001909840852022171},{"word":"to","start":433.375,"end":433.535,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0007509924471378326},{"word":"happen","start":433.535,"end":433.775,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.010951224714517592},{"word":"to","start":433.775,"end":434.095,"confidence":0.77001953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022446107119321823},{"word":"to","start":434.095,"end":434.175,"confidence":0.80908203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.026278316974639893},{"word":"make","start":434.175,"end":434.335,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.02185475453734398},{"word":"that","start":434.335,"end":434.495,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03367825970053673},{"word":"happen","start":434.495,"end":434.815,"confidence":0.8796387,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":-0.031585194170475006},{"word":"i","start":434.815,"end":434.895,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012913689017295836},{"word":"suppose","start":434.895,"end":435.29498,"confidence":0.75341797,"punctuated_word":"suppose,","sentiment":"neutral","sentiment_score":-0.010926004499197006},{"word":"and","start":435.29498,"end":435.455,"confidence":0.90625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013470243662595747},{"word":"what","start":435.455,"end":435.69498,"confidence":0.7783203,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.012273237109184263},{"word":"yeah","start":435.775,"end":436.095,"confidence":0.9655762,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.024457398802042007},{"word":"anything","start":436.095,"end":436.495,"confidence":0.9873047,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.0463925302028656},{"word":"that","start":436.495,"end":436.655,"confidence":0.5644531,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03823762387037277},{"word":"yeah","start":436.895,"end":437.395,"confidence":0.9494629,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0456765852868557},{"word":"i","start":437.535,"end":437.69498,"confidence":0.8286133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04986291751265526},{"word":"can","start":437.69498,"end":437.85498,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03685521334409714},{"word":"get","start":437.85498,"end":438.095,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03346095606684685},{"word":"in","start":438.095,"end":438.175,"confidence":0.8671875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02385922148823738},{"word":"there","start":438.175,"end":438.41498,"confidence":0.7186279,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.036803826689720154},{"word":"i","start":438.41498,"end":438.57498,"confidence":0.9658203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12010235339403152},{"word":"will","start":438.57498,"end":439.07498,"confidence":0.9980469,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.12227659672498704},{"word":"yeah","start":452.06,"end":452.56,"confidence":0.88134766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03960103914141655},{"word":"no","start":453.66,"end":453.9,"confidence":0.8137207,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.012364287860691547},{"word":"probably","start":453.9,"end":454.30002,"confidence":0.74853516,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.005109491758048534},{"word":"the","start":454.30002,"end":454.38,"confidence":0.7426758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005706895142793655},{"word":"passenger","start":454.38,"end":454.86002,"confidence":0.62927246,"punctuated_word":"passenger.","sentiment":"neutral","sentiment_score":0.021725405007600784},{"word":"yep","start":454.86002,"end":455.115,"confidence":0.8659668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09745072573423386},{"word":"uh-huh","start":466.395,"end":466.895,"confidence":0.8763672,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.23235340416431427},{"word":"yeah","start":496.97,"end":497.29,"confidence":0.9465332,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08552932739257812},{"word":"definitely","start":497.29,"end":497.79,"confidence":0.7186279,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.10603680461645126},{"word":"yeah","start":511.17502,"end":511.495,"confidence":0.9680176,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07898759841918945},{"word":"definitely","start":511.495,"end":511.995,"confidence":0.9980469,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.10564150661230089},{"word":"yes","start":513.255,"end":513.575,"confidence":0.9729004,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.12150774896144868},{"word":"please","start":513.575,"end":513.895,"confidence":0.9995117,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.15370674431324005},{"word":"yep","start":513.895,"end":514.395,"confidence":0.9785156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2251053899526596},{"word":"yeah","start":522.055,"end":522.555,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04412699490785599},{"word":"no","start":526.28,"end":526.60004,"confidence":0.98999023,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09761089086532591},{"word":"that's","start":526.60004,"end":526.92004,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0615445077419281},{"word":"fine","start":526.92004,"end":527.42004,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.12876012921333313},{"word":"honestly","start":571.605,"end":572.08496,"confidence":0.7897949,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":0.0723443329334259},{"word":"i'm","start":572.08496,"end":572.245,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16591201722621918},{"word":"pretty","start":572.245,"end":572.485,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2526412606239319},{"word":"happy","start":572.485,"end":572.725,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.33075517416000366},{"word":"at","start":572.725,"end":572.885,"confidence":0.9902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3843412399291992},{"word":"the","start":572.885,"end":572.96497,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4413114190101623},{"word":"moment","start":572.96497,"end":573.165,"confidence":0.8977051,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.4015297293663025},{"word":"i","start":573.165,"end":573.365,"confidence":0.49047852,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03829887509346008},{"word":"yeah","start":573.52496,"end":573.765,"confidence":0.98046875,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0880233496427536},{"word":"i","start":573.765,"end":573.845,"confidence":0.88183594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2976990342140198},{"word":"don't","start":573.845,"end":574.08496,"confidence":0.9555664,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.26735180616378784},{"word":"wanna","start":574.08496,"end":574.325,"confidence":0.7651367,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.3642428517341614},{"word":"sort","start":574.325,"end":574.485,"confidence":0.90625,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.40312203764915466},{"word":"of","start":574.485,"end":574.565,"confidence":0.84228516,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.38382992148399353},{"word":"push","start":574.565,"end":574.805,"confidence":0.99902344,"punctuated_word":"push","sentiment":"negative","sentiment_score":-0.4409602880477905},{"word":"too","start":574.805,"end":574.885,"confidence":0.9951172,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.4180067479610443},{"word":"hard","start":574.885,"end":575.125,"confidence":0.9980469,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.35784605145454407},{"word":"at","start":575.125,"end":575.20496,"confidence":1.0,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.401278018951416},{"word":"this","start":575.20496,"end":575.445,"confidence":0.9970703,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.35238295793533325},{"word":"stage","start":575.445,"end":575.76,"confidence":0.9980469,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.3103310465812683},{"word":"yep","start":583.84,"end":584.34,"confidence":0.7578125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0005834102630615234},{"word":"yeah","start":591.455,"end":591.955,"confidence":0.87158203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.016590844839811325},{"word":"that's","start":592.175,"end":592.41504,"confidence":0.9086914,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03654254227876663},{"word":"our","start":592.41504,"end":592.655,"confidence":0.66259766,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.05150211229920387},{"word":"deal","start":592.655,"end":593.155,"confidence":0.99560547,"punctuated_word":"deal.","sentiment":"neutral","sentiment_score":-0.04506955295801163},{"word":"perfect","start":596.655,"end":597.155,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32345902919769287},{"word":"yeah","start":613.15,"end":613.47003,"confidence":0.89868164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01618059352040291},{"word":"go","start":613.47003,"end":613.97003,"confidence":0.69018555,"punctuated_word":"Go.","sentiment":"neutral","sentiment_score":-0.02108408510684967},{"word":"no","start":618.75,"end":619.125,"confidence":0.81762695,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10285405814647676},{"word":"no","start":626.725,"end":627.225,"confidence":0.9880371,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15840983390808103},{"word":"no","start":630.965,"end":631.125,"confidence":0.9116211,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14800110459327698},{"word":"no","start":631.125,"end":631.625,"confidence":0.89282227,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17339655756950378},{"word":"no","start":633.51996,"end":633.76,"confidence":0.9108887,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07586733996868134},{"word":"not","start":633.76,"end":633.83997,"confidence":0.9863281,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.14131630957126615},{"word":"even","start":633.83997,"end":634.16,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.09677845239639282},{"word":"that","start":634.16,"end":634.39996,"confidence":0.80078125,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.06837203353643417},{"word":"so","start":634.39996,"end":634.56,"confidence":0.30810547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.037654951214790344},{"word":"i've","start":634.56,"end":634.64,"confidence":0.9069824,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12803302705287933},{"word":"been","start":634.64,"end":634.8,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1472543329000473},{"word":"good","start":634.8,"end":635.3,"confidence":0.9824219,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.16679060459136963},{"word":"touch","start":636.64,"end":636.88,"confidence":0.6982422,"punctuated_word":"Touch","sentiment":"neutral","sentiment_score":0.10681050270795822},{"word":"wood","start":636.88,"end":637.12,"confidence":0.7495117,"punctuated_word":"wood,","sentiment":"neutral","sentiment_score":0.053520701825618744},{"word":"it","start":637.12,"end":637.2,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07699552923440933},{"word":"stays","start":637.2,"end":637.51996,"confidence":0.9741211,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.06949640810489655},{"word":"that","start":637.51996,"end":637.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.028230488300323486},{"word":"way","start":637.68,"end":638.18,"confidence":0.9995117,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.021741753444075584},{"word":"no","start":646.0,"end":646.335,"confidence":0.9616699,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08559887111186981},{"word":"no","start":656.17505,"end":656.67505,"confidence":0.95874023,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08534562587738037},{"word":"no","start":666.66,"end":667.16,"confidence":0.8535156,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08959934860467911},{"word":"no","start":685.515,"end":686.015,"confidence":0.91137695,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06514906883239746},{"word":"mhmm","start":698.88995,"end":699.38995,"confidence":0.86883545,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02578037232160568},{"word":"sounds","start":709.955,"end":710.27496,"confidence":0.98291016,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.39501410722732544},{"word":"great","start":710.27496,"end":710.77496,"confidence":0.99560547,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.3680174946784973},{"word":"yep","start":714.27496,"end":714.77496,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12416474521160126},{"word":"yeah","start":725.85004,"end":726.17004,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0049671875312924385},{"word":"but","start":726.17004,"end":726.33,"confidence":0.9951172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.007293317466974258},{"word":"yeah","start":726.41003,"end":726.57,"confidence":0.9980469,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0019718948751688004},{"word":"look","start":726.57,"end":726.81,"confidence":0.8881836,"punctuated_word":"Look","sentiment":"neutral","sentiment_score":0.0005167163908481598},{"word":"at","start":726.81,"end":726.97003,"confidence":0.97802734,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.013624858111143112},{"word":"this","start":726.97003,"end":727.13,"confidence":0.9633789,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.016723908483982086},{"word":"page","start":727.13,"end":727.37006,"confidence":0.91137695,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.017717555165290833},{"word":"i've","start":727.37006,"end":727.53,"confidence":0.84472656,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.02276211604475975},{"word":"just","start":727.53,"end":727.69,"confidence":0.9580078,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.028539465740323067},{"word":"let","start":727.69,"end":727.93005,"confidence":0.8305664,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.02951522171497345},{"word":"that","start":727.93005,"end":728.17004,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024265706539154053},{"word":"sort","start":728.17004,"end":728.41003,"confidence":0.82470703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01828274130821228},{"word":"of","start":728.41003,"end":728.65,"confidence":0.5102539,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012868903577327728},{"word":"slide","start":728.65,"end":729.15,"confidence":0.80493164,"punctuated_word":"slide.","sentiment":"neutral","sentiment_score":0.022749442607164383},{"word":"yeah","start":746.2,"end":746.7,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0029064109548926353},{"word":"nope","start":749.64,"end":750.14,"confidence":0.9675293,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.08317822217941284},{"word":"not","start":751.24,"end":751.48,"confidence":0.87158203,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08232272416353226},{"word":"anymore","start":751.48,"end":751.98,"confidence":0.9946289,"punctuated_word":"anymore.","sentiment":"neutral","sentiment_score":-0.08354438841342926},{"word":"yeah","start":755.56,"end":755.88,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05149993672966957},{"word":"pretty","start":755.88,"end":756.12,"confidence":0.99316406,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.12189733982086182},{"word":"much","start":756.12,"end":756.62,"confidence":1.0,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.07762455195188522},{"word":"yeah","start":766.935,"end":767.17505,"confidence":0.87597656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23624183237552643},{"word":"that'd","start":767.17505,"end":767.41504,"confidence":0.9724121,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.4090673625469208},{"word":"be","start":767.41504,"end":767.575,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4109207093715668},{"word":"great","start":767.575,"end":768.075,"confidence":0.96875,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.49199700355529785},{"word":"no","start":776.27,"end":776.43,"confidence":0.798584,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07549949735403061},{"word":"it's","start":776.43,"end":776.59,"confidence":0.9941406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08282541483640671},{"word":"gone","start":776.59,"end":776.67,"confidence":0.68310547,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.09469663351774216},{"word":"back","start":776.67,"end":776.91,"confidence":0.9970703,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.07491049915552139},{"word":"the","start":776.91,"end":777.07,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12277547270059586},{"word":"other","start":777.07,"end":777.23,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.11802172660827635},{"word":"way","start":777.23,"end":777.39,"confidence":0.99609375,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.1110997349023819},{"word":"because","start":777.39,"end":777.63,"confidence":0.82470703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.08942186832427979},{"word":"i","start":777.63,"end":777.71,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0732448548078537},{"word":"changed","start":777.71,"end":778.11,"confidence":0.9267578,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.06666124612092972},{"word":"positions","start":778.11,"end":778.61,"confidence":0.70214844,"punctuated_word":"positions.","sentiment":"neutral","sentiment_score":-0.07950201630592346},{"word":"so","start":778.83,"end":778.99,"confidence":0.8178711,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.030686449259519577},{"word":"i'm","start":778.99,"end":779.15,"confidence":0.8552246,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05329223722219467},{"word":"sitting","start":779.15,"end":779.39,"confidence":0.9819336,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.06975121051073074},{"word":"in","start":779.39,"end":779.47003,"confidence":0.80078125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08527123928070068},{"word":"a","start":779.47003,"end":779.95,"confidence":0.41601562,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0875951498746872},{"word":"sitting","start":779.95,"end":780.27,"confidence":0.71435547,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.08663628995418549},{"word":"in","start":780.27,"end":780.43,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07535924017429352},{"word":"about","start":780.43,"end":780.67,"confidence":0.98095703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06033256649971008},{"word":"a","start":780.67,"end":780.75,"confidence":0.9370117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05398806929588318},{"word":"105","start":780.75,"end":781.31,"confidence":0.9977214,"punctuated_word":"105","sentiment":"neutral","sentiment_score":-0.034149982035160065},{"word":"at","start":781.31,"end":781.47003,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06933244317770004},{"word":"this","start":781.47003,"end":781.63,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04334528371691704},{"word":"stage","start":781.63,"end":781.95,"confidence":0.8215332,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":-0.03947572037577629},{"word":"but","start":781.95,"end":782.43,"confidence":0.8527832,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.01226891204714775},{"word":"yeah","start":782.43,"end":782.75,"confidence":0.76123047,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.0014403928071260452},{"word":"literally","start":782.75,"end":783.15,"confidence":0.99316406,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":-0.007083583623170853},{"word":"just","start":783.15,"end":783.39,"confidence":0.81347656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0035647470504045486},{"word":"about","start":783.39,"end":783.63,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.010081332176923752},{"word":"to","start":783.63,"end":783.71,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0085795558989048},{"word":"get","start":783.71,"end":783.87,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.00037906691431999207},{"word":"a","start":783.87,"end":783.95,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0016691870987415314},{"word":"pay","start":783.95,"end":784.19,"confidence":0.82128906,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.01680925488471985},{"word":"review","start":784.19,"end":784.43,"confidence":0.6171875,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":-0.02060120180249214},{"word":"so","start":784.43,"end":784.59,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0103728249669075},{"word":"it'll","start":784.59,"end":784.75,"confidence":0.8798828,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.00558087881654501},{"word":"probably","start":784.75,"end":784.99,"confidence":0.9941406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01207973062992096},{"word":"go","start":784.99,"end":785.15,"confidence":0.93847656,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.005046378821134567},{"word":"up","start":785.15,"end":785.31,"confidence":0.7558594,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0016154982149600985},{"word":"to","start":785.31,"end":785.39,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00970158725976944},{"word":"about","start":785.39,"end":785.55,"confidence":0.9838867,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.016056828200817108},{"word":"110","start":785.55,"end":786.69,"confidence":0.98913574,"punctuated_word":"110.","sentiment":"neutral","sentiment_score":-0.00654580257833004},{"word":"i","start":789.245,"end":789.325,"confidence":0.8642578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2188982665538788},{"word":"think","start":789.325,"end":789.72504,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.21949809789657593},{"word":"so","start":789.72504,"end":790.22504,"confidence":0.9980469,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.2487998604774475},{"word":"not","start":801.38,"end":801.54,"confidence":0.6894531,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.12140411883592606},{"word":"at","start":801.54,"end":801.7,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.17544960975646973},{"word":"this","start":801.7,"end":801.77997,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.225727379322052},{"word":"point","start":801.77997,"end":802.1,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.1630745828151703},{"word":"in","start":802.1,"end":802.26,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18864336609840393},{"word":"time","start":802.26,"end":802.5,"confidence":0.9394531,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.19861137866973877},{"word":"no","start":802.5,"end":803.0,"confidence":0.99658203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12444595992565156},{"word":"it","start":809.3,"end":809.54,"confidence":0.86572266,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.019543979316949844},{"word":"is","start":809.54,"end":810.04,"confidence":0.9975586,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.025931335985660553},{"word":"we","start":819.625,"end":820.025,"confidence":0.6669922,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.02065437287092209},{"word":"refinanced","start":820.025,"end":820.525,"confidence":0.94555664,"punctuated_word":"refinanced","sentiment":"neutral","sentiment_score":-0.01984623819589615},{"word":"at","start":820.74506,"end":820.905,"confidence":0.7104492,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.039777208119630814},{"word":"the","start":820.905,"end":820.98505,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012417487800121307},{"word":"start","start":820.98505,"end":821.22504,"confidence":0.7192383,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.011646732687950134},{"word":"of","start":821.22504,"end":821.30505,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01226595789194107},{"word":"the","start":821.30505,"end":821.385,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015753794461488724},{"word":"year","start":821.385,"end":821.625,"confidence":0.8859863,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.012540148571133614},{"word":"so","start":821.625,"end":821.78503,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.004653051495552063},{"word":"it's","start":821.78503,"end":821.945,"confidence":0.96313477,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02002495899796486},{"word":"going","start":821.945,"end":822.10504,"confidence":0.3671875,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.03448723629117012},{"word":"back","start":822.10504,"end":822.265,"confidence":0.5449219,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.01952829584479332},{"word":"the","start":822.265,"end":822.34503,"confidence":0.8095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02008681371808052},{"word":"other","start":822.34503,"end":822.505,"confidence":0.9902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.013657916337251663},{"word":"way","start":822.505,"end":822.66504,"confidence":0.88671875,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.004406089894473553},{"word":"so","start":822.66504,"end":822.74506,"confidence":0.89453125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.005293014459311962},{"word":"it's","start":822.74506,"end":822.98505,"confidence":0.9682617,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0062865158542990685},{"word":"about","start":822.98505,"end":823.145,"confidence":0.984375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.00465768575668335},{"word":"300","start":823.145,"end":823.625,"confidence":0.99902344,"punctuated_word":"300","sentiment":"neutral","sentiment_score":0.0007843095809221268},{"word":"and","start":823.625,"end":823.705,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0010905712842941284},{"word":"i","start":823.86505,"end":823.945,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.001687188632786274},{"word":"think","start":823.945,"end":824.18506,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.003536156378686428},{"word":"about","start":824.18506,"end":824.42505,"confidence":0.4453125,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0004034508019685745},{"word":"3","start":824.42505,"end":824.74506,"confidence":0.99609375,"punctuated_word":"3","sentiment":"neutral","sentiment_score":0.0020340634509921074},{"word":"80","start":824.74506,"end":825.24506,"confidence":0.9975586,"punctuated_word":"80.","sentiment":"neutral","sentiment_score":0.003994659520685673},{"word":"that's","start":836.48,"end":836.98,"confidence":0.9824219,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.018534228205680847},{"word":"$7.60","start":837.6,"end":838.42,"confidence":0.86364746,"punctuated_word":"$7.60.","sentiment":"neutral","sentiment_score":0.024219827726483345},{"word":"i'd","start":851.855,"end":852.09503,"confidence":0.6566162,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.006441557314246893},{"word":"probably","start":852.09503,"end":852.415,"confidence":0.99316406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.001332683488726616},{"word":"say","start":852.415,"end":852.655,"confidence":0.9770508,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.009352056309580805},{"word":"10","start":852.655,"end":853.155,"confidence":0.9411621,"punctuated_word":"10.","sentiment":"neutral","sentiment_score":0.013530059717595576},{"word":"just","start":856.33997,"end":856.42,"confidence":0.77441406,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.02185133658349514},{"word":"a","start":856.42,"end":856.57996,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02735692635178566},{"word":"wrap","start":856.57996,"end":856.89996,"confidence":0.83740234,"punctuated_word":"wrap","sentiment":"neutral","sentiment_score":0.044453687965869904},{"word":"for","start":856.89996,"end":857.22,"confidence":0.21716309,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030600834637880325},{"word":"yeah","start":860.74,"end":860.98,"confidence":0.82836914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05363849923014641},{"word":"yeah","start":860.98,"end":861.48,"confidence":0.78027344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09898154437541962},{"word":"yep","start":863.54,"end":864.04,"confidence":0.9645996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06478273123502731},{"word":"it's","start":868.01495,"end":868.175,"confidence":0.9802246,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0834197998046875},{"word":"gone","start":868.175,"end":868.675,"confidence":0.9790039,"punctuated_word":"gone.","sentiment":"neutral","sentiment_score":-0.10023357719182968},{"word":"no","start":869.055,"end":869.375,"confidence":0.8083496,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11743755638599396},{"word":"no","start":869.375,"end":869.615,"confidence":0.9770508,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.06715148687362671},{"word":"lines","start":869.615,"end":869.855,"confidence":0.74072266,"punctuated_word":"lines","sentiment":"neutral","sentiment_score":-0.06703890115022659},{"word":"at","start":869.855,"end":870.01495,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03819036856293678},{"word":"the","start":870.01495,"end":870.095,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026319097727537155},{"word":"moment","start":870.095,"end":870.595,"confidence":0.9975586,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.021488163620233536},{"word":"no","start":877.855,"end":878.255,"confidence":0.9909668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07126835733652115},{"word":"no","start":878.255,"end":878.755,"confidence":0.88793945,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06603120267391205},{"word":"no","start":885.79,"end":886.19,"confidence":0.7648926,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09993494302034378},{"word":"not","start":886.19,"end":886.43,"confidence":0.70947266,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1350529044866562},{"word":"quite","start":886.43,"end":886.67,"confidence":0.7841797,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.10020357370376588},{"word":"a","start":886.67,"end":886.75,"confidence":0.42797852,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08275305479764938},{"word":"bit","start":886.75,"end":887.25,"confidence":0.84228516,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.12241890281438828},{"word":"yeah","start":903.755,"end":904.15497,"confidence":0.7475586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01641864888370037},{"word":"look","start":904.15497,"end":904.555,"confidence":0.6982422,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.02801811322569847},{"word":"it","start":904.555,"end":904.875,"confidence":0.5722656,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.04888558387756348},{"word":"is","start":904.875,"end":905.195,"confidence":0.51049805,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.05197848752140999},{"word":"yeah","start":905.195,"end":905.515,"confidence":0.97875977,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.033335018903017044},{"word":"still","start":905.515,"end":905.755,"confidence":0.9902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.04204704239964485},{"word":"in","start":905.755,"end":905.915,"confidence":0.87353516,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05323329567909241},{"word":"the","start":905.915,"end":905.995,"confidence":0.91503906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04431577771902085},{"word":"plan","start":905.995,"end":906.315,"confidence":0.8154297,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":-0.023775335401296616},{"word":"to","start":906.315,"end":906.475,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05323978140950203},{"word":"get","start":906.475,"end":906.555,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0565192736685276},{"word":"that","start":906.555,"end":906.795,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06191811338067055},{"word":"done","start":906.795,"end":906.955,"confidence":0.9104004,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":-0.0735885351896286},{"word":"but","start":906.955,"end":907.195,"confidence":0.93188477,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.09926046431064606},{"word":"yeah","start":907.195,"end":907.435,"confidence":0.90600586,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.15315216779708862},{"word":"haven't","start":907.435,"end":907.755,"confidence":0.80322266,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.10981470346450806},{"word":"done","start":907.755,"end":907.995,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.0978689193725586},{"word":"anything","start":907.995,"end":908.315,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.09259705245494844},{"word":"with","start":908.315,"end":908.475,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.10987518727779388},{"word":"it","start":908.475,"end":908.555,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09106145799160004},{"word":"at","start":908.555,"end":908.71497,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16503137350082395},{"word":"this","start":908.71497,"end":908.955,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10138128697872162},{"word":"stage","start":908.955,"end":909.455,"confidence":0.99609375,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.03539181128144264},{"word":"mhmm","start":920.51996,"end":921.01996,"confidence":0.93859863,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0736825093626976},{"word":"yeah","start":924.12,"end":924.36,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1410091072320938},{"word":"that's","start":924.36,"end":924.6,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1585140973329544},{"word":"correct","start":924.6,"end":925.1,"confidence":0.9995117,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.19756457209587097},{"word":"yeah","start":954.06,"end":954.38,"confidence":0.89697266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05308331549167633},{"word":"that'd","start":954.38,"end":954.62,"confidence":0.86499023,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.1473497748374939},{"word":"be","start":954.62,"end":954.86,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.18228620290756223},{"word":"fine","start":954.86,"end":955.36,"confidence":0.88061523,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.19732117652893064},{"word":"yeah","start":955.58,"end":955.74,"confidence":0.9230957,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09032396972179411},{"word":"we","start":955.74,"end":955.82,"confidence":0.984375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1061016172170639},{"word":"could","start":955.82,"end":956.025,"confidence":0.48583984,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09844700992107391},{"word":"could","start":956.025,"end":956.525,"confidence":0.7939453,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.23824740946292877},{"word":"do","start":959.5538,"end":960.0538,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1744239330291748},{"word":"that","start":963.0825,"end":963.5825,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.17921385169029236},{"word":"mhmm","start":966.61127,"end":967.11127,"confidence":0.93725586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07150085270404816},{"word":"yeah","start":978.62,"end":979.12,"confidence":0.8742676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029319211840629578},{"word":"yeah","start":985.53503,"end":986.03503,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.16369187831878662},{"word":"yeah","start":987.85504,"end":988.17505,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13955537974834442},{"word":"no","start":988.17505,"end":988.255,"confidence":0.9428711,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21029961109161377},{"word":"that's","start":988.255,"end":988.495,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07813462615013123},{"word":"fine","start":988.495,"end":988.73505,"confidence":0.9926758,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1807035654783249},{"word":"i'm","start":988.73505,"end":988.815,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.36104869842529297},{"word":"happy","start":988.815,"end":989.135,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.3286859393119812},{"word":"to","start":989.135,"end":989.215,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36228352785110474},{"word":"go","start":989.215,"end":989.375,"confidence":0.9951172,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2768675684928894},{"word":"that","start":989.375,"end":989.53503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19725041091442108},{"word":"way","start":989.53503,"end":990.03503,"confidence":0.9995117,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.16358691453933716},{"word":"yeah","start":997.935,"end":998.28,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15156006813049316},{"word":"yeah","start":1001.48004,"end":1001.80005,"confidence":0.8769531,"punctuated_word":"Yeah,","sentiment":"neutral","sentiment_score":0.15587769448757172},{"word":"please","start":1001.80005,"end":1002.30005,"confidence":0.9995117,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.20328238606452945},{"word":"yeah","start":1003.80005,"end":1004.04004,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.27090883255004883},{"word":"that'd","start":1004.04004,"end":1004.28,"confidence":0.8395996,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.552183985710144},{"word":"be","start":1004.28,"end":1004.44,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6563453674316406},{"word":"great","start":1004.44,"end":1004.94,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6746492385864258},{"word":"i'll","start":1011.16003,"end":1011.4,"confidence":0.8937988,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06520041078329086},{"word":"get","start":1011.4,"end":1011.64,"confidence":0.6152344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04082423448562622},{"word":"both","start":1011.64,"end":1011.96,"confidence":0.99121094,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.051698923110961914},{"word":"just","start":1011.96,"end":1012.12006,"confidence":0.6352539,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.043549276888370514},{"word":"in","start":1012.12006,"end":1012.28,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06953399628400803},{"word":"case","start":1012.28,"end":1012.52,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.12888935208320618},{"word":"i","start":1012.52,"end":1012.68005,"confidence":0.8769531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1139320358633995},{"word":"miss","start":1012.68005,"end":1012.92004,"confidence":0.78515625,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":0.106619194149971},{"word":"one","start":1012.92004,"end":1013.295,"confidence":0.9909668,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.04964734613895416},{"word":"yeah","start":1018.495,"end":1018.815,"confidence":0.92211914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14276091754436493},{"word":"that'd","start":1018.815,"end":1019.055,"confidence":0.9291992,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.2296710908412933},{"word":"be","start":1019.055,"end":1019.295,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2752140164375305},{"word":"great","start":1019.295,"end":1019.795,"confidence":0.99902344,"punctuated_word":"great.","sentiment":"neutral","sentiment_score":0.31733351945877075},{"word":"one","start":1021.45496,"end":1021.77496,"confidence":0.9863281,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.09771250188350676},{"word":"big","start":1021.77496,"end":1022.01495,"confidence":0.97314453,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.13792206346988678},{"word":"hit","start":1022.01495,"end":1022.51495,"confidence":0.99609375,"punctuated_word":"hit.","sentiment":"neutral","sentiment_score":0.11638978123664856},{"word":"yep","start":1023.135,"end":1023.635,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.134363055229187},{"word":"no","start":1046.7051,"end":1047.2051,"confidence":0.9301758,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08428982645273209},{"word":"good","start":1067.595,"end":1067.915,"confidence":0.5761719,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.08968640863895416},{"word":"question","start":1067.915,"end":1068.415,"confidence":0.99902344,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":0.07700596004724503},{"word":"i","start":1070.555,"end":1070.715,"confidence":0.8774414,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02514730766415596},{"word":"suppose","start":1070.715,"end":1071.215,"confidence":0.9970703,"punctuated_word":"suppose","sentiment":"neutral","sentiment_score":0.0144999697804451},{"word":"yeah","start":1072.395,"end":1072.635,"confidence":0.98461914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03315313160419464},{"word":"look","start":1072.635,"end":1072.875,"confidence":0.83447266,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.014159033074975014},{"word":"i","start":1072.875,"end":1073.035,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08884520828723907},{"word":"mean","start":1073.035,"end":1073.1951,"confidence":0.9716797,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.06641700118780136},{"word":"i'd","start":1073.1951,"end":1073.275,"confidence":0.75268555,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.1425108015537262},{"word":"still","start":1073.275,"end":1073.595,"confidence":0.99316406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1146920844912529},{"word":"be","start":1073.595,"end":1073.675,"confidence":0.85498047,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15491437911987305},{"word":"comfortable","start":1073.675,"end":1074.175,"confidence":0.8144531,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":0.1517778038978577},{"word":"i","start":1074.475,"end":1074.555,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18668434023857117},{"word":"think","start":1074.555,"end":1075.055,"confidence":0.9926758,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.17294660210609436},{"word":"yeah","start":1078.875,"end":1079.1951,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0798218846321106},{"word":"yep","start":1079.1951,"end":1079.6951,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09919409453868866},{"word":"no","start":1112.55,"end":1112.79,"confidence":0.69177246,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08738245069980621},{"word":"probably","start":1112.79,"end":1113.1101,"confidence":0.99121094,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.05943237245082855},{"word":"the","start":1113.1101,"end":1113.3501,"confidence":0.83447266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.041975248605012894},{"word":"the","start":1113.3501,"end":1113.67,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024220209568738937},{"word":"moderate","start":1113.67,"end":1114.17,"confidence":0.96533203,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":-0.03500647842884064},{"word":"in","start":1114.2301,"end":1114.4701,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02645145542919636},{"word":"the","start":1114.4701,"end":1114.55,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024081148207187653},{"word":"middle","start":1114.55,"end":1115.05,"confidence":0.9975586,"punctuated_word":"middle.","sentiment":"neutral","sentiment_score":-0.02635403722524643},{"word":"yeah","start":1127.9651,"end":1128.365,"confidence":0.7529297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017211269587278366},{"word":"the","start":1128.365,"end":1128.605,"confidence":0.88427734,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.009790858253836632},{"word":"second","start":1128.605,"end":1128.925,"confidence":0.9980469,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.02352457493543625},{"word":"of","start":1128.925,"end":1129.0851,"confidence":0.9223633,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0143194068223238},{"word":"the","start":1129.0851,"end":1129.245,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013290436938405035},{"word":"two","start":1129.245,"end":1129.405,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.012282262556254864},{"word":"options","start":1129.405,"end":1129.875,"confidence":0.73132324,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.01291588880121708},{"word":"i'd","start":1129.875,"end":1130.125,"confidence":0.55810547,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.034382518380880356},{"word":"yeah","start":1130.2051,"end":1130.7051,"confidence":0.9946289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.045707374811172485},{"word":"just","start":1137.8201,"end":1137.9801,"confidence":0.49365234,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.09488584846258163},{"word":"happy","start":1137.9801,"end":1138.3,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.21145077049732208},{"word":"with","start":1138.3,"end":1138.4601,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19867093861103055},{"word":"my","start":1138.4601,"end":1138.7001,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.14383959770202637},{"word":"main","start":1138.7001,"end":1138.9401,"confidence":0.9970703,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.23915866017341617},{"word":"primary","start":1138.9401,"end":1139.3401,"confidence":0.9941406,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.2022065371274948},{"word":"residence","start":1139.3401,"end":1139.8201,"confidence":0.99902344,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.15701860189437866},{"word":"at","start":1139.8201,"end":1139.9801,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1320957988500595},{"word":"this","start":1139.9801,"end":1140.14,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2204655408859253},{"word":"stage","start":1140.14,"end":1140.64,"confidence":0.93530273,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":0.17978928983211517},{"word":"mhmm","start":1152.14,"end":1152.64,"confidence":0.95910645,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07813599705696106},{"word":"yep","start":1159.995,"end":1160.495,"confidence":0.967041,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.046573489904403687},{"word":"mhmm","start":1165.8351,"end":1166.3351,"confidence":0.9674072,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.07420677691698074},{"word":"mhmm","start":1180.5,"end":1181.0,"confidence":0.9857178,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.030363639816641808},{"word":"yeah","start":1193.205,"end":1193.605,"confidence":0.78222656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018018458038568497},{"word":"yeah","start":1193.605,"end":1194.105,"confidence":0.72998047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03961167857050896},{"word":"yeah","start":1195.445,"end":1195.945,"confidence":0.7741699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10283434391021729},{"word":"no","start":1198.26,"end":1198.5,"confidence":0.93408203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.023596007376909256},{"word":"no","start":1198.5,"end":1198.6599,"confidence":0.98657227,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0421077199280262},{"word":"that's","start":1198.6599,"end":1198.9,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.205297589302063},{"word":"all","start":1198.9,"end":1199.14,"confidence":0.99121094,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.26357609033584595},{"word":"pretty","start":1199.14,"end":1199.38,"confidence":0.99121094,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.27619075775146484},{"word":"good","start":1199.38,"end":1199.62,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2821725010871887},{"word":"yep","start":1199.62,"end":1200.12,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.320514976978302},{"word":"yeah","start":1209.7799,"end":1210.02,"confidence":0.87231445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12094898521900176},{"word":"that's","start":1210.02,"end":1210.26,"confidence":0.9733887,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.16960757970809937},{"word":"very","start":1210.26,"end":1210.6599,"confidence":0.9707031,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.18097643554210663},{"word":"tight","start":1210.6599,"end":1211.1599,"confidence":0.8618164,"punctuated_word":"tight.","sentiment":"neutral","sentiment_score":-0.09092757105827332},{"word":"mhmm","start":1216.745,"end":1217.245,"confidence":0.98706055,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04429033026099205},{"word":"mhmm","start":1232.63,"end":1232.87,"confidence":0.90844727,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.037840165197849274},{"word":"yeah","start":1232.87,"end":1233.1901,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05760148912668228},{"word":"that'd","start":1233.1901,"end":1233.3501,"confidence":0.89624023,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.1918835490942001},{"word":"be","start":1233.3501,"end":1233.51,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1896662265062332},{"word":"nice","start":1233.51,"end":1234.01,"confidence":0.99609375,"punctuated_word":"nice.","sentiment":"neutral","sentiment_score":0.2902836799621582},{"word":"yeah","start":1238.325,"end":1238.565,"confidence":0.9472656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03752563521265984},{"word":"look","start":1238.565,"end":1238.8049,"confidence":0.72753906,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.03870151191949845},{"word":"i'm","start":1238.8049,"end":1238.8849,"confidence":0.46691895,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02513594925403595},{"word":"probably","start":1238.8849,"end":1239.205,"confidence":0.97509766,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.030008263885974884},{"word":"over","start":1239.205,"end":1239.365,"confidence":0.5058594,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.031765520572662354},{"word":"the","start":1239.365,"end":1239.445,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02106856182217598},{"word":"last","start":1239.445,"end":1239.6849,"confidence":0.9277344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0014739185571670532},{"word":"twelve","start":1239.6849,"end":1239.845,"confidence":0.6386719,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.010245762765407562},{"word":"months","start":1239.845,"end":1240.085,"confidence":0.6594238,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.02624274045228958},{"word":"and","start":1240.085,"end":1240.1649,"confidence":0.42114258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029523007571697235},{"word":"we've","start":1240.1649,"end":1240.325,"confidence":0.87060547,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.03244853764772415},{"word":"got","start":1240.325,"end":1240.485,"confidence":0.63427734,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.038209110498428345},{"word":"in","start":1240.485,"end":1240.565,"confidence":0.22167969,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05973196029663086},{"word":"the","start":1240.565,"end":1240.6449,"confidence":0.90771484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04544966667890549},{"word":"right","start":1240.6449,"end":1240.8849,"confidence":0.2993164,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.07769467681646347},{"word":"months","start":1240.8849,"end":1241.0449,"confidence":0.63500977,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.02607448399066925},{"word":"but","start":1241.0449,"end":1241.205,"confidence":0.84765625,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.010739266872406006},{"word":"yeah","start":1241.205,"end":1241.365,"confidence":0.96533203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.011730413883924484},{"word":"we","start":1241.365,"end":1241.5249,"confidence":0.9716797,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01196817308664322},{"word":"can","start":1241.5249,"end":1241.6849,"confidence":0.5053711,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.007301613688468933},{"word":"kinda","start":1241.6849,"end":1241.9249,"confidence":0.6557617,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.0088379867374897},{"word":"need","start":1241.9249,"end":1242.005,"confidence":0.96777344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.00008758902549743652},{"word":"to","start":1242.005,"end":1242.085,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002338074147701263},{"word":"be","start":1242.085,"end":1242.245,"confidence":0.9902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.004366397857666016},{"word":"able","start":1242.245,"end":1242.2849,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.044081900268793106},{"word":"to","start":1242.2849,"end":1242.325,"confidence":0.94970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0513496920466423},{"word":"do","start":1242.325,"end":1242.485,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07759995758533478},{"word":"it","start":1242.485,"end":1242.565,"confidence":0.95703125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.047649502754211426},{"word":"more","start":1242.565,"end":1242.6449,"confidence":0.93359375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.020749062299728394},{"word":"i'd","start":1242.725,"end":1242.965,"confidence":0.9975586,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.04242032766342163},{"word":"like","start":1242.965,"end":1243.205,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05638045817613602},{"word":"to","start":1243.205,"end":1243.2849,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029175058007240295},{"word":"be","start":1243.2849,"end":1243.365,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02570664882659912},{"word":"able","start":1243.365,"end":1243.605,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.05293245613574982},{"word":"to","start":1243.605,"end":1243.6849,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08184541016817093},{"word":"do","start":1243.6849,"end":1243.7649,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08886555582284927},{"word":"it","start":1243.7649,"end":1243.9249,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03262016922235489},{"word":"more","start":1243.9249,"end":1244.085,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.01504562795162201},{"word":"often","start":1244.085,"end":1244.585,"confidence":0.9980469,"punctuated_word":"often.","sentiment":"neutral","sentiment_score":0.027462903410196304},{"word":"not","start":1252.35,"end":1252.75,"confidence":0.60253906,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.01189035177230835},{"word":"really","start":1252.75,"end":1252.99,"confidence":0.9941406,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.033101387321949005},{"word":"at","start":1252.99,"end":1253.0701,"confidence":0.87597656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05443592369556427},{"word":"this","start":1253.0701,"end":1253.31,"confidence":0.9819336,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04486946016550064},{"word":"stage","start":1253.31,"end":1253.55,"confidence":0.8630371,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.03798634931445122},{"word":"as","start":1253.55,"end":1253.79,"confidence":0.7397461,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.03981567546725273},{"word":"i","start":1253.79,"end":1253.87,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006823573261499405},{"word":"said","start":1253.87,"end":1254.11,"confidence":0.9394531,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.013145769014954569},{"word":"it's","start":1254.11,"end":1254.27,"confidence":0.95751953,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.010289417579770088},{"word":"just","start":1254.27,"end":1254.43,"confidence":0.6621094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.033811721950769424},{"word":"sort","start":1254.43,"end":1254.59,"confidence":0.82714844,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.014920078217983246},{"word":"of","start":1254.59,"end":1255.09,"confidence":0.63256836,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.02051325142383575},{"word":"yeah","start":1255.9501,"end":1256.27,"confidence":0.9248047,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.008926402777433395},{"word":"focus","start":1256.27,"end":1256.67,"confidence":0.75,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":-0.0203385129570961},{"word":"on","start":1256.67,"end":1257.0701,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0025404617190361023},{"word":"the","start":1257.0701,"end":1257.23,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006147459149360657},{"word":"main","start":1257.23,"end":1257.47,"confidence":0.8828125,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.016303591430187225},{"word":"goal","start":1257.47,"end":1257.63,"confidence":0.9951172,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.004936777055263519},{"word":"at","start":1257.63,"end":1257.7101,"confidence":0.9560547,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.00928528606891632},{"word":"the","start":1257.7101,"end":1257.87,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008180253207683563},{"word":"moment","start":1257.87,"end":1258.11,"confidence":0.8742676,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.017913885414600372},{"word":"which","start":1258.11,"end":1258.27,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.04176416993141174},{"word":"is","start":1258.27,"end":1258.43,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06443260610103607},{"word":"just","start":1258.43,"end":1258.59,"confidence":0.91015625,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.031647052615880966},{"word":"yeah","start":1258.59,"end":1258.8301,"confidence":0.96728516,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.0563209094107151},{"word":"making","start":1258.8301,"end":1259.15,"confidence":0.8618164,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.05108547955751419},{"word":"the","start":1259.15,"end":1259.23,"confidence":0.65283203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05743299052119255},{"word":"end","start":1259.23,"end":1259.47,"confidence":0.60009766,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.06332471966743469},{"word":"thing","start":1259.47,"end":1259.97,"confidence":0.6437988,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.04040659964084625},{"word":"yeah","start":1270.615,"end":1270.855,"confidence":0.76342773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04045674204826355},{"word":"that's","start":1270.855,"end":1271.095,"confidence":0.92822266,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.046662092208862305},{"word":"correct","start":1271.095,"end":1271.595,"confidence":0.94262695,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.03724721446633339},{"word":"yeah","start":1271.7473,"end":1272.2473,"confidence":0.8664551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015535114333033562},{"word":"that's","start":1272.3997,"end":1272.8997,"confidence":0.73779297,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02181403338909149},{"word":"basically","start":1273.0519,"end":1273.5519,"confidence":0.46875,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.04350511357188225},{"word":"just","start":1273.7042,"end":1274.2042,"confidence":0.29638672,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05063648521900177},{"word":"hack","start":1274.3566,"end":1274.8566,"confidence":0.50927734,"punctuated_word":"hack","sentiment":"neutral","sentiment_score":0.09812723100185394},{"word":"out","start":1275.0089,"end":1275.5089,"confidence":0.76416016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09677845239639282},{"word":"of","start":1275.6611,"end":1276.1611,"confidence":0.88671875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05515649542212486},{"word":"this","start":1276.3135,"end":1276.8135,"confidence":0.35668945,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06929510086774826},{"word":"as","start":1276.9658,"end":1277.4658,"confidence":0.33984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0420587994158268},{"word":"not","start":1277.6182,"end":1278.1182,"confidence":0.56152344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.07215415686368942},{"word":"to","start":1278.2704,"end":1278.7704,"confidence":0.6660156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045241571962833405},{"word":"look","start":1278.9227,"end":1279.4227,"confidence":0.45825195,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08256341516971588},{"word":"into","start":1279.5751,"end":1279.895,"confidence":0.64501953,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09161222726106644},{"word":"anything","start":1279.895,"end":1280.395,"confidence":0.6157837,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":0.027515821158885956},{"word":"yeah","start":1281.82,"end":1281.8314,"confidence":0.5966797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09147486090660097},{"word":"that's","start":1281.8314,"end":1281.8428,"confidence":0.6878662,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2089620530605316},{"word":"basically","start":1281.8428,"end":1281.8542,"confidence":0.63378906,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.1977657973766327},{"word":"just","start":1281.8542,"end":1281.8656,"confidence":0.80615234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.18088345229625705},{"word":"hack","start":1281.8656,"end":1281.8771,"confidence":0.9291992,"punctuated_word":"hack","sentiment":"neutral","sentiment_score":-0.23165591061115265},{"word":"out","start":1281.8771,"end":1281.8884,"confidence":0.94189453,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.29677072167396545},{"word":"of","start":1281.8884,"end":1281.8999,"confidence":0.8857422,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.32398879528045654},{"word":"this","start":1281.8999,"end":1282.1399,"confidence":0.41552734,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2840467393398285},{"word":"as","start":1282.1399,"end":1282.6399,"confidence":0.62646484,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.238397017121315},{"word":"not","start":1282.7,"end":1282.94,"confidence":0.6640625,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16657274961471558},{"word":"to","start":1282.94,"end":1283.1,"confidence":0.8745117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10959819704294203},{"word":"look","start":1283.1,"end":1283.2599,"confidence":0.4482422,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.12350665777921677},{"word":"into","start":1283.2599,"end":1283.5,"confidence":0.63623047,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.12467549741268158},{"word":"that","start":1283.5,"end":1283.62,"confidence":0.22595215,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.12467850744724274},{"word":"i","start":1283.62,"end":1283.74,"confidence":0.25463867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.059333741664886475},{"word":"mean","start":1283.74,"end":1284.0599,"confidence":0.5883789,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.041881754994392395},{"word":"that's","start":1289.98,"end":1290.22,"confidence":0.6939697,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.5237463712692261},{"word":"something","start":1290.22,"end":1290.5399,"confidence":0.8183594,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.6932932734489441},{"word":"that's","start":1290.5399,"end":1290.7799,"confidence":0.982666,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.6929280757904053},{"word":"killing","start":1290.7799,"end":1291.1,"confidence":0.96435547,"punctuated_word":"killing","sentiment":"negative","sentiment_score":-0.7178586721420288},{"word":"me","start":1291.1,"end":1291.6,"confidence":0.9890137,"punctuated_word":"me.","sentiment":"negative","sentiment_score":-0.5561814904212952},{"word":"yeah","start":1291.82,"end":1292.22,"confidence":0.95214844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03757322579622269},{"word":"yeah","start":1292.22,"end":1292.46,"confidence":0.92626953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004888910800218582},{"word":"it's","start":1292.46,"end":1292.7,"confidence":0.69433594,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.005184459500014782},{"word":"my","start":1292.7,"end":1292.86,"confidence":0.5859375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.07464949786663055},{"word":"phone","start":1292.86,"end":1293.36,"confidence":0.80859375,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.07439753413200378},{"word":"yeah","start":1309.7999,"end":1310.2,"confidence":0.6784668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.018842659890651703},{"word":"yeah","start":1310.2,"end":1310.44,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07553428411483765},{"word":"exactly","start":1310.44,"end":1310.84,"confidence":0.9980469,"punctuated_word":"Exactly","sentiment":"neutral","sentiment_score":-0.12612801790237427},{"word":"right","start":1310.84,"end":1311.34,"confidence":0.8288574,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.1122271940112114},{"word":"yep","start":1312.84,"end":1313.34,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.2820891737937927},{"word":"something","start":1313.48,"end":1313.7999,"confidence":0.9716797,"punctuated_word":"Something","sentiment":"neutral","sentiment_score":-0.275959312915802},{"word":"that","start":1313.7999,"end":1313.96,"confidence":0.9453125,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3391304016113281},{"word":"i'm","start":1313.96,"end":1314.0399,"confidence":0.8898926,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2768492102622986},{"word":"gonna","start":1314.0399,"end":1314.36,"confidence":0.9194336,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.29119616746902466},{"word":"have","start":1314.36,"end":1314.52,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.30563944578170776},{"word":"to","start":1314.52,"end":1314.6,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2174943834543228},{"word":"look","start":1314.6,"end":1314.76,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.21343502402305603},{"word":"at","start":1314.76,"end":1314.9199,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2448403239250183},{"word":"in","start":1314.9199,"end":1315.08,"confidence":0.9707031,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.23767951130867004},{"word":"the","start":1315.08,"end":1315.1599,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21380822360515592},{"word":"next","start":1315.1599,"end":1315.3999,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.16099637746810913},{"word":"10","start":1315.3999,"end":1315.8999,"confidence":0.9711914,"punctuated_word":"10.","sentiment":"neutral","sentiment_score":-0.16504469513893127},{"word":"yeah","start":1321.105,"end":1321.4249,"confidence":0.93066406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022175215184688568},{"word":"14","start":1321.4249,"end":1321.825,"confidence":0.9941406,"punctuated_word":"14","sentiment":"neutral","sentiment_score":0.05322407931089401},{"word":"and","start":1321.825,"end":1322.065,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.033742643892765045},{"word":"12","start":1322.065,"end":1322.2649,"confidence":0.94921875,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.07032570987939835},{"word":"is","start":1322.2649,"end":1322.465,"confidence":0.26367188,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10687558352947236},{"word":"fine","start":1322.465,"end":1322.965,"confidence":0.78881836,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.08155025541782379},{"word":"oh","start":1326.225,"end":1326.465,"confidence":0.95751953,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.046786222606897354},{"word":"yeah","start":1326.465,"end":1326.865,"confidence":0.9477539,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05974297598004341},{"word":"as","start":1326.865,"end":1327.105,"confidence":0.47485352,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.14154092967510223},{"word":"good","start":1327.105,"end":1327.345,"confidence":0.99121094,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2244379073381424},{"word":"as","start":1327.345,"end":1327.505,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27103203535079956},{"word":"it","start":1327.505,"end":1327.585,"confidence":0.4555664,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28767523169517517},{"word":"is","start":1327.585,"end":1327.825,"confidence":0.8330078,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23737995326519012},{"word":"with","start":1327.825,"end":1328.065,"confidence":0.14257812,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2495630979537964},{"word":"the","start":1328.065,"end":1328.1449,"confidence":0.30908203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2334272861480713},{"word":"lower","start":1328.1449,"end":1328.5449,"confidence":0.53759766,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.18961554765701297},{"word":"chain","start":1328.5449,"end":1328.865,"confidence":0.1416626,"punctuated_word":"chain,","sentiment":"neutral","sentiment_score":0.13567714393138883},{"word":"i","start":1328.865,"end":1329.0249,"confidence":0.96435547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09806447476148604},{"word":"just","start":1329.0249,"end":1329.1849,"confidence":0.5336914,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09214486926794052},{"word":"suppose","start":1329.1849,"end":1329.6849,"confidence":0.6566162,"punctuated_word":"suppose.","sentiment":"neutral","sentiment_score":0.11489208787679672},{"word":"exactly","start":1333.505,"end":1334.005,"confidence":0.99658203,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.017970530316233635},{"word":"yeah","start":1343.47,"end":1343.7899,"confidence":0.9499512,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04110506922006607},{"word":"very","start":1343.7899,"end":1344.0299,"confidence":0.9941406,"punctuated_word":"Very","sentiment":"neutral","sentiment_score":0.11068633943796158},{"word":"true","start":1344.0299,"end":1344.35,"confidence":0.99609375,"punctuated_word":"true.","sentiment":"neutral","sentiment_score":0.08742661774158478},{"word":"very","start":1344.35,"end":1344.6699,"confidence":0.9970703,"punctuated_word":"Very","sentiment":"neutral","sentiment_score":0.09065736830234528},{"word":"true","start":1344.6699,"end":1345.1699,"confidence":0.9909668,"punctuated_word":"true.","sentiment":"neutral","sentiment_score":0.09403514862060548},{"word":"perfect","start":1377.585,"end":1378.085,"confidence":0.9399414,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1797221601009369},{"word":"mhmm","start":1403.45,"end":1403.95,"confidence":0.9470215,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04472240433096886},{"word":"yep","start":1416.215,"end":1416.715,"confidence":0.9343262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21028147637844088},{"word":"yeah","start":1418.1,"end":1418.42,"confidence":0.8203125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2820736765861511},{"word":"perfect","start":1418.42,"end":1418.92,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.529066801071167},{"word":"no","start":1424.66,"end":1424.8201,"confidence":0.90112305,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11060075461864471},{"word":"i","start":1424.8201,"end":1424.9,"confidence":0.8173828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0969368889927864},{"word":"think","start":1424.9,"end":1425.14,"confidence":0.5385742,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.09034708887338638},{"word":"you've","start":1425.14,"end":1425.4601,"confidence":0.9211426,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.07901008427143097},{"word":"you've","start":1425.4601,"end":1425.86,"confidence":0.9572754,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.04142944514751434},{"word":"touched","start":1425.86,"end":1426.18,"confidence":0.9165039,"punctuated_word":"touched","sentiment":"neutral","sentiment_score":0.004297878593206406},{"word":"it","start":1426.18,"end":1426.26,"confidence":0.6933594,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.002695128321647644},{"word":"all","start":1426.26,"end":1426.42,"confidence":0.94189453,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.021641135215759277},{"word":"there","start":1426.42,"end":1426.5801,"confidence":0.96533203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.027639292180538177},{"word":"she's","start":1426.5801,"end":1426.9,"confidence":1.0,"punctuated_word":"She's","sentiment":"positive","sentiment_score":0.4251003861427307},{"word":"good","start":1426.9,"end":1427.4,"confidence":0.99853516,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4247717559337616},{"word":"yeah","start":1439.515,"end":1440.015,"confidence":0.9519043,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09823882579803468},{"word":"yeah","start":1443.435,"end":1443.675,"confidence":0.98583984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09501788020133972},{"word":"not","start":1443.675,"end":1443.995,"confidence":0.60009766,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.24086783826351169},{"word":"a","start":1443.995,"end":1444.245,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17863042652606964},{"word":"problem","start":1444.245,"end":1444.745,"confidence":0.99194336,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.3208204209804535},{"word":"yeah","start":1452.23,"end":1452.47,"confidence":0.69763184,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010053948499262331},{"word":"no","start":1452.47,"end":1452.79,"confidence":0.96972656,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.010887758806347849},{"word":"nothing","start":1452.79,"end":1453.11,"confidence":0.9658203,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":-0.01868204027414322},{"word":"that","start":1453.11,"end":1453.27,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01929631270468235},{"word":"i","start":1453.27,"end":1453.43,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.021723682060837746},{"word":"can","start":1453.43,"end":1453.51,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.011228013783693314},{"word":"think","start":1453.51,"end":1453.75,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.03514602780342102},{"word":"of","start":1453.75,"end":1453.91,"confidence":0.90112305,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.04723873734474182},{"word":"but","start":1453.91,"end":1454.15,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.034044355154037476},{"word":"not","start":1454.15,"end":1454.31,"confidence":0.91503906,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03086547553539276},{"word":"everything's","start":1454.31,"end":1454.79,"confidence":0.8947754,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":-0.02388092689216137},{"word":"fine","start":1454.79,"end":1455.29,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.14810776710510254},{"word":"i'll","start":1481.22,"end":1481.38,"confidence":0.6711426,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.010705424472689629},{"word":"look","start":1481.38,"end":1481.54,"confidence":0.9707031,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.007405243813991547},{"word":"maybe","start":1481.62,"end":1482.02,"confidence":0.9741211,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.006024384405463934},{"word":"got","start":1482.02,"end":1482.1799,"confidence":0.4345703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0062951091676950455},{"word":"six","start":1482.1799,"end":1482.42,"confidence":0.9980469,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.005356134846806526},{"word":"months","start":1482.42,"end":1482.92,"confidence":0.99609375,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.008708135224878788},{"word":"sounds","start":1490.755,"end":1491.255,"confidence":0.94921875,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.6280181407928467},{"word":"good","start":1494.595,"end":1495.095,"confidence":0.9970703,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6912938356399536},{"word":"mhmm","start":1495.8148,"end":1496.3148,"confidence":0.92749023,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.33192384243011475},{"word":"thank","start":1499.4949,"end":1499.8148,"confidence":0.9482422,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7201516628265381},{"word":"you","start":1499.8148,"end":1500.0548,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7444844245910645},{"word":"very","start":1500.0548,"end":1500.2948,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7175623178482056},{"word":"much","start":1500.2948,"end":1500.7948,"confidence":0.9995117,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.6398899555206299},{"word":"cheers","start":1504.2948,"end":1504.7948,"confidence":0.98030597,"punctuated_word":"Cheers.","sentiment":"positive","sentiment_score":0.48386526107788086},{"word":"bye","start":1505.1748,"end":1505.6748,"confidence":0.91552734,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.21881678700447085}],"paragraphs":{"transcript":"\nYou're speaking. Hello? Good. Thank you. How are you?\n\nYeah. Yeah. That's fine. Yep. Full name, Andrew Carl Hurd.\n\nAddress, 30 Robinson Way, Singleton Heights 2330. Date of birth, seventh of the second nineteen eighty four. Is that all? Yeah. Cool.\n\nYeah. I just don't have my computer up at the moment. I'd have to use my yep. Yeah. Perfect.\n\nWell, to to be a 100% honest, I've just had my dog has just done a couple of ligaments, like two cruciate ligaments. And I'm looking at about 10 plus in things. And someone said to me, you might be able to take money out of your super to cover it. And I was like, I have no idea, but I've got an appointment, and I'll speak to lady anyway. So Yeah.\n\nYeah. Right. Yeah. Okay. Ready to go.\n\nYep. Yep. Yeah. Taken out. Yeah.\n\nYeah. Yeah. That's alright. That's just, you know, like, everything's just so hard up at the moment with you have mortgage rates and god knows what. So yeah.\n\nI'll give it a go. Yeah. Yeah. You know, worthless. Yeah.\n\nThat's it. But other than that, yeah, I'm just cruising. Same thing. Oh, I don't think I have. Can you resend it?\n\nBecause I'd like to move that that that amount back over into my super. Like, out of host plus, I don't need it. Yep. Yeah. Yep.\n\nUh-huh. Mhmm. I'm gonna go over process this. Yeah. Yeah.\n\nThat'd be great. Yeah. Something that's performing better. Definitely. Well, I think we all are.\n\nBut, yeah, where where where possible. No. Honestly, just to be putting as much in there as possible. So, yeah, look, whatever means needs to happen to to make that happen, I suppose, and what yeah. Anything that yeah.\n\nI can get in there, I will. Yeah. No. Probably the passenger. Yep.\n\nUh-huh. Yeah. Definitely. Yeah. Definitely.\n\nYes, please. Yep. Yeah. No. That's fine.\n\nHonestly, I'm pretty happy at the moment. I yeah. I don't wanna sort of push too hard at this stage. Yep. Yeah.\n\nThat's our deal. Perfect. Yeah. Go. No.\n\nNo. No. No. No. Not even that.\n\nSo I've been good. Touch wood, it stays that way. No. No. No.\n\nNo. Mhmm. Sounds great. Yep. Yeah.\n\nBut yeah. Look at this page. I've just let that sort of slide. Yeah. Nope.\n\nNot anymore. Yeah. Pretty much. Yeah. That'd be great.\n\nNo. It's gone back the other way because I changed positions. So I'm sitting in a sitting in about a 105 at this stage, but, yeah, literally just about to get a pay review. So it'll probably go up to about 110. I think so.\n\nNot at this point in time. No. It is. We refinanced at the start of the year, so it's going back the other way. So it's about 300 and I think about 3 80.\n\nThat's $7.60. I'd probably say 10. Just a wrap for yeah. Yeah. Yep.\n\nIt's gone. No. No lines at the moment. No. No.\n\nNo. Not quite a bit. Yeah. Look. It is, yeah, still in the plan to get that done, but, yeah, haven't done anything with it at this stage.\n\nMhmm. Yeah. That's correct. Yeah. That'd be fine.\n\nYeah. We could could do that. Mhmm. Yeah. Yeah.\n\nYeah. No. That's fine. I'm happy to go that way. Yeah.\n\nYeah, please. Yeah. That'd be great. I'll get both just in case I miss one. Yeah.\n\nThat'd be great. One big hit. Yep. No. Good question.\n\nI suppose yeah. Look. I mean, I'd still be comfortable, I think. Yeah. Yep.\n\nNo. Probably the the moderate in the middle. Yeah. The second of the two options. I'd yeah.\n\nJust happy with my main primary residence at this stage. Mhmm. Yep. Mhmm. Mhmm.\n\nYeah. Yeah. Yeah. No. No.\n\nThat's all pretty good. Yep. Yeah. That's very tight. Mhmm.\n\nMhmm. Yeah. That'd be nice. Yeah. Look.\n\nI'm probably over the last twelve months, and we've got in the right months. But, yeah, we can kinda need to be able to do it more I'd like to be able to do it more often. Not really at this stage. As I said, it's just sort of, yeah, focus on the main goal at the moment, which is just, yeah, making the end thing. Yeah.\n\nThat's correct. Yeah. That's basically just hack out of this as not to look into anything. Yeah. That's basically just hack out of this as not to look into that.\n\nI mean That's something that's killing me. Yeah. Yeah. It's my phone. Yeah.\n\nYeah. Exactly right. Yep. Something that I'm gonna have to look at in the next 10. Yeah.\n\n14 and 12 is fine. Oh, yeah. As good as it is with the lower chain, I just suppose. Exactly. Yeah.\n\nVery true. Very true. Perfect. Mhmm. Yep.\n\nYeah. Perfect. No. I think you've you've touched it all there. She's good.\n\nYeah. Yeah. Not a problem. Yeah. No.\n\nNothing that I can think of, but not everything's fine. I'll look maybe got six months. Sounds good. Mhmm. Thank you very much.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"You're speaking.","start":0.16,"end":0.82,"sentiment":"neutral","sentiment_score":0.009292430244386196},{"text":"Hello?","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.017699839547276497},{"text":"Good.","start":7.68,"end":8.0,"sentiment":"neutral","sentiment_score":0.23992270231246948},{"text":"Thank you.","start":8.0,"end":8.4,"sentiment":"neutral","sentiment_score":0.2963089346885681},{"text":"How are you?","start":8.4,"end":9.139999,"sentiment":"neutral","sentiment_score":0.11355710277954738}],"sentiment":"neutral","sentiment_score":0.13438850889603296,"num_words":9,"start":0.16,"end":9.139999},{"sentences":[{"text":"Yeah.","start":9.2,"end":9.7,"sentiment":"neutral","sentiment_score":0.09209886938333511},{"text":"Yeah.","start":15.684999,"end":15.924999,"sentiment":"neutral","sentiment_score":0.12352427840232848},{"text":"That's fine.","start":15.924999,"end":16.744999,"sentiment":"neutral","sentiment_score":0.17247072607278824},{"text":"Yep.","start":24.965,"end":25.465,"sentiment":"neutral","sentiment_score":0.1520097553730011},{"text":"Full name, Andrew Carl Hurd.","start":32.85,"end":34.53,"sentiment":"neutral","sentiment_score":0.07270523086190224}],"sentiment":"neutral","sentiment_score":0.10761005096137524,"num_words":10,"start":9.2,"end":34.53},{"sentences":[{"text":"Address, 30 Robinson Way, Singleton Heights 2330.","start":34.53,"end":38.05,"sentiment":"neutral","sentiment_score":0.07081180598054614},{"text":"Date of birth, seventh of the second nineteen eighty four.","start":38.05,"end":40.515,"sentiment":"neutral","sentiment_score":0.06025744006037712},{"text":"Is that all?","start":41.075,"end":41.895,"sentiment":"neutral","sentiment_score":0.1751234084367752},{"text":"Yeah.","start":42.995,"end":43.315,"sentiment":"positive","sentiment_score":0.3349096179008484},{"text":"Cool.","start":43.315,"end":43.815,"sentiment":"positive","sentiment_score":0.5871759653091431}],"sentiment":"neutral","sentiment_score":0.11571422049945052,"num_words":22,"start":34.53,"end":43.815},{"sentences":[{"text":"Yeah.","start":45.315,"end":45.815,"sentiment":"neutral","sentiment_score":0.10470897704362868},{"text":"I just don't have my computer up at the moment.","start":53.7,"end":55.780003,"sentiment":"neutral","sentiment_score":-0.20910739302635192},{"text":"I'd have to use my yep.","start":55.780003,"end":61.16,"sentiment":"neutral","sentiment_score":-0.036393580958247185},{"text":"Yeah.","start":62.5,"end":62.74,"sentiment":"neutral","sentiment_score":0.06850095093250275},{"text":"Perfect.","start":62.74,"end":63.24,"sentiment":"neutral","sentiment_score":0.17872372269630432}],"sentiment":"neutral","sentiment_score":-0.10302640870213509,"num_words":19,"start":45.315,"end":63.24},{"sentences":[{"text":"Well, to to be a 100% honest, I've just had my dog has just done a couple of ligaments, like two cruciate ligaments.","start":80.155,"end":91.5,"sentiment":"neutral","sentiment_score":-0.10005846133698588},{"text":"And I'm looking at about 10 plus in things.","start":91.96,"end":96.415,"sentiment":"neutral","sentiment_score":-0.10809442814853457},{"text":"And someone said to me, you might be able to take money out of your super to cover it.","start":96.415,"end":99.854996,"sentiment":"neutral","sentiment_score":-0.10397223304761083},{"text":"And I was like, I have no idea, but I've got an appointment, and I'll speak to lady anyway.","start":99.854996,"end":103.935,"sentiment":"neutral","sentiment_score":-0.05369401007498566},{"text":"So Yeah.","start":103.935,"end":113.39,"sentiment":"neutral","sentiment_score":-0.03320259228348732}],"sentiment":"neutral","sentiment_score":-0.08800358705533047,"num_words":72,"start":80.155,"end":113.39},{"sentences":[{"text":"Yeah.","start":122.895004,"end":123.135,"sentiment":"neutral","sentiment_score":-0.03851933032274246},{"text":"Right.","start":123.135,"end":123.635,"sentiment":"neutral","sentiment_score":-0.07423767447471619},{"text":"Yeah.","start":135.89,"end":136.39,"sentiment":"neutral","sentiment_score":-0.05942967161536217},{"text":"Okay.","start":141.41,"end":141.565,"sentiment":"neutral","sentiment_score":0.07098894566297531},{"text":"Ready to go.","start":141.565,"end":142.47,"sentiment":"neutral","sentiment_score":0.15133355806271234}],"sentiment":"neutral","sentiment_score":0.050400420491184504,"num_words":7,"start":122.895004,"end":142.47},{"sentences":[{"text":"Yep.","start":145.81,"end":146.31,"sentiment":"neutral","sentiment_score":0.1176050454378128},{"text":"Yep.","start":153.015,"end":153.515,"sentiment":"neutral","sentiment_score":0.09899669885635376},{"text":"Yeah.","start":163.52,"end":164.02,"sentiment":"neutral","sentiment_score":0.05194861441850662},{"text":"Taken out.","start":182.06499,"end":182.78499,"sentiment":"neutral","sentiment_score":-0.006428350694477558},{"text":"Yeah.","start":182.78499,"end":183.28499,"sentiment":"neutral","sentiment_score":0.05445608124136925}],"sentiment":"neutral","sentiment_score":0.05169162309418122,"num_words":6,"start":145.81,"end":183.28499},{"sentences":[{"text":"Yeah.","start":195.06999,"end":195.31,"sentiment":"neutral","sentiment_score":-0.09303821623325348},{"text":"Yeah.","start":195.31,"end":195.70999,"sentiment":"neutral","sentiment_score":-0.09740602970123292},{"text":"That's alright.","start":195.70999,"end":196.27,"sentiment":"neutral","sentiment_score":-0.2437906414270401},{"text":"That's just, you know, like, everything's just so hard up at the moment with you have mortgage rates and god knows what.","start":196.27,"end":201.15,"sentiment":"negative","sentiment_score":-0.42611564831300214},{"text":"So yeah.","start":201.15,"end":204.67,"sentiment":"neutral","sentiment_score":-0.09107926301658154}],"sentiment":"negative","sentiment_score":-0.3655260113467063,"num_words":28,"start":195.06999,"end":204.67},{"sentences":[{"text":"I'll give it a go.","start":204.67,"end":205.665,"sentiment":"neutral","sentiment_score":0.11580784916877747},{"text":"Yeah.","start":209.825,"end":210.325,"sentiment":"neutral","sentiment_score":-0.09272661805152892},{"text":"Yeah.","start":211.42499,"end":211.92499,"sentiment":"neutral","sentiment_score":-0.02542618289589882},{"text":"You know, worthless.","start":212.22499,"end":213.125,"sentiment":"neutral","sentiment_score":-0.1360169971982638},{"text":"Yeah.","start":222.19,"end":222.43001,"sentiment":"neutral","sentiment_score":0.00611785426735878}],"sentiment":"neutral","sentiment_score":0.005359391597184271,"num_words":11,"start":204.67,"end":222.43001},{"sentences":[{"text":"That's it.","start":222.43001,"end":223.25,"sentiment":"neutral","sentiment_score":-0.0024199639447033405},{"text":"But other than that, yeah, I'm just cruising.","start":225.87001,"end":228.05,"sentiment":"neutral","sentiment_score":0.11286185961216688},{"text":"Same thing.","start":228.27,"end":229.01001,"sentiment":"neutral","sentiment_score":0.2530311346054077},{"text":"Oh, I don't think I have.","start":261.565,"end":262.445,"sentiment":"neutral","sentiment_score":-0.18982636680205664},{"text":"Can you resend it?","start":262.445,"end":263.665,"sentiment":"neutral","sentiment_score":-0.16444244049489498}],"sentiment":"neutral","sentiment_score":-0.017845942935144358,"num_words":22,"start":222.43001,"end":263.665},{"sentences":[{"text":"Because I'd like to move that that that amount back over into my super.","start":265.165,"end":268.465,"sentiment":"neutral","sentiment_score":-0.026696302528892244},{"text":"Like, out of host plus, I don't need it.","start":269.405,"end":271.825,"sentiment":"neutral","sentiment_score":-0.09558693278166983},{"text":"Yep.","start":283.56,"end":284.06,"sentiment":"neutral","sentiment_score":0.1490468829870224},{"text":"Yeah.","start":302.15,"end":302.65,"sentiment":"neutral","sentiment_score":0.18792732059955597},{"text":"Yep.","start":313.99,"end":314.445,"sentiment":"neutral","sentiment_score":0.010945985093712808}],"sentiment":"neutral","sentiment_score":-0.03408117083689341,"num_words":26,"start":265.165,"end":314.445},{"sentences":[{"text":"Uh-huh.","start":320.525,"end":321.025,"sentiment":"neutral","sentiment_score":-0.04079402610659599},{"text":"Mhmm.","start":335.22,"end":335.54,"sentiment":"neutral","sentiment_score":-0.0884440690279007},{"text":"I'm gonna go over process this.","start":335.54,"end":337.24,"sentiment":"neutral","sentiment_score":-0.0865698332587878},{"text":"Yeah.","start":371.67,"end":372.17,"sentiment":"neutral","sentiment_score":-0.11995914578437804},{"text":"Yeah.","start":374.905,"end":375.145,"sentiment":"neutral","sentiment_score":-0.18050560355186465}],"sentiment":"neutral","sentiment_score":-0.09491218440234661,"num_words":10,"start":320.525,"end":375.145},{"sentences":[{"text":"That'd be great.","start":375.145,"end":376.125,"sentiment":"negative","sentiment_score":-0.3350693881511688},{"text":"Yeah.","start":377.70502,"end":377.945,"sentiment":"neutral","sentiment_score":-0.060350097715854645},{"text":"Something that's performing better.","start":377.945,"end":379.225,"sentiment":"neutral","sentiment_score":-0.0039727333933115005},{"text":"Definitely.","start":379.225,"end":379.725,"sentiment":"neutral","sentiment_score":0.18137304484844208},{"text":"Well, I think we all are.","start":394.09998,"end":395.71997,"sentiment":"neutral","sentiment_score":0.000376079231500625}],"sentiment":"neutral","sentiment_score":-0.05985464503367742,"num_words":15,"start":375.145,"end":395.71997},{"sentences":[{"text":"But, yeah, where where where possible.","start":396.65997,"end":398.68,"sentiment":"neutral","sentiment_score":0.06645562189320724},{"text":"No.","start":425.39,"end":425.89,"sentiment":"neutral","sentiment_score":-0.12097344547510148},{"text":"Honestly, just to be putting as much in there as possible.","start":426.03,"end":428.85,"sentiment":"neutral","sentiment_score":-0.11410355364734476},{"text":"So, yeah, look, whatever means needs to happen to to make that happen, I suppose, and what yeah.","start":431.215,"end":436.095,"sentiment":"neutral","sentiment_score":-0.011075698046220673},{"text":"Anything that yeah.","start":436.095,"end":437.395,"sentiment":"neutral","sentiment_score":0.04343557978669802}],"sentiment":"neutral","sentiment_score":-0.02683165717201355,"num_words":39,"start":396.65997,"end":437.395},{"sentences":[{"text":"I can get in there, I will.","start":437.535,"end":439.07498,"sentiment":"neutral","sentiment_score":0.06046015503151076},{"text":"Yeah.","start":452.06,"end":452.56,"sentiment":"neutral","sentiment_score":0.03960103914141655},{"text":"No.","start":453.66,"end":453.9,"sentiment":"neutral","sentiment_score":-0.012364287860691547},{"text":"Probably the passenger.","start":453.9,"end":454.86002,"sentiment":"neutral","sentiment_score":0.007440936130781968},{"text":"Yep.","start":454.86002,"end":455.115,"sentiment":"neutral","sentiment_score":0.09745072573423386}],"sentiment":"neutral","sentiment_score":0.04386395158676001,"num_words":13,"start":437.535,"end":455.115},{"sentences":[{"text":"Uh-huh.","start":466.395,"end":466.895,"sentiment":"neutral","sentiment_score":0.23235340416431427},{"text":"Yeah.","start":496.97,"end":497.29,"sentiment":"neutral","sentiment_score":0.08552932739257812},{"text":"Definitely.","start":497.29,"end":497.79,"sentiment":"neutral","sentiment_score":0.10603680461645126},{"text":"Yeah.","start":511.17502,"end":511.495,"sentiment":"neutral","sentiment_score":0.07898759841918945},{"text":"Definitely.","start":511.495,"end":511.995,"sentiment":"neutral","sentiment_score":0.10564150661230089}],"sentiment":"neutral","sentiment_score":0.12170972824096679,"num_words":5,"start":466.395,"end":511.995},{"sentences":[{"text":"Yes, please.","start":513.255,"end":513.895,"sentiment":"neutral","sentiment_score":0.13760724663734436},{"text":"Yep.","start":513.895,"end":514.395,"sentiment":"neutral","sentiment_score":0.2251053899526596},{"text":"Yeah.","start":522.055,"end":522.555,"sentiment":"neutral","sentiment_score":-0.04412699490785599},{"text":"No.","start":526.28,"end":526.60004,"sentiment":"neutral","sentiment_score":-0.09761089086532591},{"text":"That's fine.","start":526.60004,"end":527.42004,"sentiment":"neutral","sentiment_score":0.09515231847763062}],"sentiment":"neutral","sentiment_score":0.07841237634420395,"num_words":7,"start":513.255,"end":527.42004},{"sentences":[{"text":"Honestly, I'm pretty happy at the moment.","start":571.605,"end":573.165,"sentiment":"neutral","sentiment_score":0.2926907390356064},{"text":"I yeah.","start":573.165,"end":573.765,"sentiment":"neutral","sentiment_score":-0.06316111236810684},{"text":"I don't wanna sort of push too hard at this stage.","start":573.765,"end":575.76,"sentiment":"negative","sentiment_score":-0.3633682511069558},{"text":"Yep.","start":583.84,"end":584.34,"sentiment":"neutral","sentiment_score":-0.0005834102630615234},{"text":"Yeah.","start":591.455,"end":591.955,"sentiment":"neutral","sentiment_score":-0.016590844839811325}],"sentiment":"neutral","sentiment_score":-0.09507782130756161,"num_words":22,"start":571.605,"end":591.955},{"sentences":[{"text":"That's our deal.","start":592.175,"end":593.155,"sentiment":"neutral","sentiment_score":-0.04437140251199404},{"text":"Perfect.","start":596.655,"end":597.155,"sentiment":"neutral","sentiment_score":0.32345902919769287},{"text":"Yeah.","start":613.15,"end":613.47003,"sentiment":"neutral","sentiment_score":-0.01618059352040291},{"text":"Go.","start":613.47003,"end":613.97003,"sentiment":"neutral","sentiment_score":-0.02108408510684967},{"text":"No.","start":618.75,"end":619.125,"sentiment":"neutral","sentiment_score":-0.10285405814647676}],"sentiment":"neutral","sentiment_score":0.007175154983997343,"num_words":7,"start":592.175,"end":619.125},{"sentences":[{"text":"No.","start":626.725,"end":627.225,"sentiment":"neutral","sentiment_score":-0.15840983390808103},{"text":"No.","start":630.965,"end":631.125,"sentiment":"neutral","sentiment_score":-0.14800110459327698},{"text":"No.","start":631.125,"end":631.625,"sentiment":"neutral","sentiment_score":-0.17339655756950378},{"text":"No.","start":633.51996,"end":633.76,"sentiment":"neutral","sentiment_score":-0.07586733996868134},{"text":"Not even that.","start":633.76,"end":634.39996,"sentiment":"neutral","sentiment_score":-0.1021555985013644}],"sentiment":"neutral","sentiment_score":-0.12316309022051948,"num_words":7,"start":626.725,"end":634.39996},{"sentences":[{"text":"So I've been good.","start":634.39996,"end":635.3,"sentiment":"neutral","sentiment_score":0.11993322893977165},{"text":"Touch wood, it stays that way.","start":636.64,"end":638.18,"sentiment":"neutral","sentiment_score":0.059465897269546986},{"text":"No.","start":646.0,"end":646.335,"sentiment":"neutral","sentiment_score":-0.08559887111186981},{"text":"No.","start":656.17505,"end":656.67505,"sentiment":"neutral","sentiment_score":-0.08534562587738037},{"text":"No.","start":666.66,"end":667.16,"sentiment":"neutral","sentiment_score":-0.08959934860467911}],"sentiment":"neutral","sentiment_score":0.044306496444803015,"num_words":13,"start":634.39996,"end":667.16},{"sentences":[{"text":"No.","start":685.515,"end":686.015,"sentiment":"neutral","sentiment_score":-0.06514906883239746},{"text":"Mhmm.","start":698.88995,"end":699.38995,"sentiment":"neutral","sentiment_score":0.02578037232160568},{"text":"Sounds great.","start":709.955,"end":710.77496,"sentiment":"positive","sentiment_score":0.3815158009529114},{"text":"Yep.","start":714.27496,"end":714.77496,"sentiment":"neutral","sentiment_score":0.12416474521160126},{"text":"Yeah.","start":725.85004,"end":726.17004,"sentiment":"neutral","sentiment_score":-0.0049671875312924385}],"sentiment":"neutral","sentiment_score":0.14047674384588996,"num_words":6,"start":685.515,"end":726.17004},{"sentences":[{"text":"But yeah.","start":726.17004,"end":726.57,"sentiment":"neutral","sentiment_score":-0.004632606171071529},{"text":"Look at this page.","start":726.57,"end":727.37006,"sentiment":"neutral","sentiment_score":0.012145759537816048},{"text":"I've just let that sort of slide.","start":727.37006,"end":729.15,"sentiment":"neutral","sentiment_score":0.022711942504559244},{"text":"Yeah.","start":746.2,"end":746.7,"sentiment":"neutral","sentiment_score":0.0029064109548926353},{"text":"Nope.","start":749.64,"end":750.14,"sentiment":"neutral","sentiment_score":-0.08317822217941284}],"sentiment":"neutral","sentiment_score":0.007868640807767708,"num_words":15,"start":726.17004,"end":750.14},{"sentences":[{"text":"Not anymore.","start":751.24,"end":751.98,"sentiment":"neutral","sentiment_score":-0.08293355628848076},{"text":"Yeah.","start":755.56,"end":755.88,"sentiment":"neutral","sentiment_score":0.05149993672966957},{"text":"Pretty much.","start":755.88,"end":756.62,"sentiment":"neutral","sentiment_score":0.09976094588637352},{"text":"Yeah.","start":766.935,"end":767.17505,"sentiment":"neutral","sentiment_score":0.23624183237552643},{"text":"That'd be great.","start":767.17505,"end":768.075,"sentiment":"positive","sentiment_score":0.4373283584912618}],"sentiment":"neutral","sentiment_score":0.1814868470860852,"num_words":9,"start":751.24,"end":768.075},{"sentences":[{"text":"No.","start":776.27,"end":776.43,"sentiment":"neutral","sentiment_score":-0.07549949735403061},{"text":"It's gone back the other way because I changed positions.","start":776.43,"end":778.61,"sentiment":"neutral","sentiment_score":-0.0913159467279911},{"text":"So I'm sitting in a sitting in about a 105 at this stage, but, yeah, literally just about to get a pay review.","start":778.83,"end":784.43,"sentiment":"neutral","sentiment_score":-0.03580882286895876},{"text":"So it'll probably go up to about 110.","start":784.43,"end":786.69,"sentiment":"neutral","sentiment_score":-0.00010498787742108107},{"text":"I think so.","start":789.245,"end":790.22504,"sentiment":"neutral","sentiment_score":0.22906540830930075}],"sentiment":"neutral","sentiment_score":-0.025020123749143548,"num_words":45,"start":776.27,"end":790.22504},{"sentences":[{"text":"Not at this point in time.","start":801.38,"end":802.5,"sentiment":"neutral","sentiment_score":-0.17881840591629347},{"text":"No.","start":802.5,"end":803.0,"sentiment":"neutral","sentiment_score":-0.12444595992565156},{"text":"It is.","start":809.3,"end":810.04,"sentiment":"neutral","sentiment_score":0.0227376576513052},{"text":"We refinanced at the start of the year, so it's going back the other way.","start":819.625,"end":822.66504,"sentiment":"neutral","sentiment_score":-0.017449753545224666},{"text":"So it's about 300 and I think about 3 80.","start":822.66504,"end":825.24506,"sentiment":"neutral","sentiment_score":-0.0008262336254119873}],"sentiment":"neutral","sentiment_score":-0.04182028586921446,"num_words":34,"start":801.38,"end":825.24506},{"sentences":[{"text":"That's $7.60.","start":836.48,"end":838.42,"sentiment":"neutral","sentiment_score":0.021377027966082096},{"text":"I'd probably say 10.","start":851.855,"end":853.155,"sentiment":"neutral","sentiment_score":0.007664089207537472},{"text":"Just a wrap for yeah.","start":856.33997,"end":860.98,"sentiment":"neutral","sentiment_score":0.03558025695383549},{"text":"Yeah.","start":860.98,"end":861.48,"sentiment":"neutral","sentiment_score":0.09898154437541962},{"text":"Yep.","start":863.54,"end":864.04,"sentiment":"neutral","sentiment_score":0.06478273123502731}],"sentiment":"neutral","sentiment_score":0.03192892101091834,"num_words":13,"start":836.48,"end":864.04},{"sentences":[{"text":"It's gone.","start":868.01495,"end":868.675,"sentiment":"neutral","sentiment_score":-0.09182668849825859},{"text":"No.","start":869.055,"end":869.375,"sentiment":"neutral","sentiment_score":-0.11743755638599396},{"text":"No lines at the moment.","start":869.375,"end":870.595,"sentiment":"neutral","sentiment_score":-0.04403760358691215},{"text":"No.","start":877.855,"end":878.255,"sentiment":"neutral","sentiment_score":-0.07126835733652115},{"text":"No.","start":878.255,"end":878.755,"sentiment":"neutral","sentiment_score":-0.06603120267391205}],"sentiment":"neutral","sentiment_score":-0.06585785113275051,"num_words":10,"start":868.01495,"end":878.755},{"sentences":[{"text":"No.","start":885.79,"end":886.19,"sentiment":"neutral","sentiment_score":-0.09993494302034378},{"text":"Not quite a bit.","start":886.19,"end":887.25,"sentiment":"neutral","sentiment_score":-0.11010710895061493},{"text":"Yeah.","start":903.755,"end":904.15497,"sentiment":"neutral","sentiment_score":-0.01641864888370037},{"text":"Look.","start":904.15497,"end":904.555,"sentiment":"neutral","sentiment_score":-0.02801811322569847},{"text":"It is, yeah, still in the plan to get that done, but, yeah, haven't done anything with it at this stage.","start":904.555,"end":909.455,"sentiment":"neutral","sentiment_score":-0.07610812712283362}],"sentiment":"neutral","sentiment_score":-0.07796681466113244,"num_words":28,"start":885.79,"end":909.455},{"sentences":[{"text":"Mhmm.","start":920.51996,"end":921.01996,"sentiment":"neutral","sentiment_score":0.0736825093626976},{"text":"Yeah.","start":924.12,"end":924.36,"sentiment":"neutral","sentiment_score":0.1410091072320938},{"text":"That's correct.","start":924.36,"end":925.1,"sentiment":"neutral","sentiment_score":0.1780393347144127},{"text":"Yeah.","start":954.06,"end":954.38,"sentiment":"neutral","sentiment_score":0.05308331549167633},{"text":"That'd be fine.","start":954.38,"end":955.36,"sentiment":"neutral","sentiment_score":0.1756523847579956}],"sentiment":"neutral","sentiment_score":0.14385134447366,"num_words":8,"start":920.51996,"end":955.36},{"sentences":[{"text":"Yeah.","start":955.58,"end":955.74,"sentiment":"neutral","sentiment_score":0.09032396972179411},{"text":"We could could do that.","start":955.74,"end":963.5825,"sentiment":"neutral","sentiment_score":0.15928676426410676},{"text":"Mhmm.","start":966.61127,"end":967.11127,"sentiment":"neutral","sentiment_score":0.07150085270404816},{"text":"Yeah.","start":978.62,"end":979.12,"sentiment":"neutral","sentiment_score":0.029319211840629578},{"text":"Yeah.","start":985.53503,"end":986.03503,"sentiment":"neutral","sentiment_score":-0.16369187831878662}],"sentiment":"neutral","sentiment_score":0.09154288636313544,"num_words":9,"start":955.58,"end":986.03503},{"sentences":[{"text":"Yeah.","start":987.85504,"end":988.17505,"sentiment":"neutral","sentiment_score":-0.13955537974834442},{"text":"No.","start":988.17505,"end":988.255,"sentiment":"neutral","sentiment_score":-0.21029961109161377},{"text":"That's fine.","start":988.255,"end":988.73505,"sentiment":"neutral","sentiment_score":0.05128446966409683},{"text":"I'm happy to go that way.","start":988.73505,"end":990.03503,"sentiment":"neutral","sentiment_score":0.2816205099225044},{"text":"Yeah.","start":997.935,"end":998.28,"sentiment":"neutral","sentiment_score":0.15156006813049316}],"sentiment":"neutral","sentiment_score":0.14490882510488684,"num_words":11,"start":987.85504,"end":998.28},{"sentences":[{"text":"Yeah, please.","start":1001.48004,"end":1002.30005,"sentiment":"neutral","sentiment_score":0.17958004027605057},{"text":"Yeah.","start":1003.80005,"end":1004.04004,"sentiment":"neutral","sentiment_score":0.27090883255004883},{"text":"That'd be great.","start":1004.04004,"end":1004.94,"sentiment":"positive","sentiment_score":0.6277261972427368},{"text":"I'll get both just in case I miss one.","start":1011.16003,"end":1013.295,"sentiment":"neutral","sentiment_score":0.07443275219864315},{"text":"Yeah.","start":1018.495,"end":1018.815,"sentiment":"neutral","sentiment_score":0.14276091754436493}],"sentiment":"neutral","sentiment_score":0.2078689495101571,"num_words":16,"start":1001.48004,"end":1018.815},{"sentences":[{"text":"That'd be great.","start":1018.815,"end":1019.795,"sentiment":"neutral","sentiment_score":0.2740728755791982},{"text":"One big hit.","start":1021.45496,"end":1022.51495,"sentiment":"neutral","sentiment_score":0.11734144886334737},{"text":"Yep.","start":1023.135,"end":1023.635,"sentiment":"neutral","sentiment_score":0.134363055229187},{"text":"No.","start":1046.7051,"end":1047.2051,"sentiment":"neutral","sentiment_score":-0.08428982645273209},{"text":"Good question.","start":1067.595,"end":1068.415,"sentiment":"neutral","sentiment_score":0.0833461843430996}],"sentiment":"neutral","sentiment_score":0.13910085707902908,"num_words":10,"start":1018.815,"end":1068.415},{"sentences":[{"text":"I suppose yeah.","start":1070.555,"end":1072.635,"sentiment":"neutral","sentiment_score":0.024266803016265232},{"text":"Look.","start":1072.635,"end":1072.875,"sentiment":"neutral","sentiment_score":-0.014159033074975014},{"text":"I mean, I'd still be comfortable, I think.","start":1072.875,"end":1075.055,"sentiment":"neutral","sentiment_score":0.13484852761030197},{"text":"Yeah.","start":1078.875,"end":1079.1951,"sentiment":"neutral","sentiment_score":0.0798218846321106},{"text":"Yep.","start":1079.1951,"end":1079.6951,"sentiment":"neutral","sentiment_score":0.09919409453868866}],"sentiment":"neutral","sentiment_score":0.09403182685907398,"num_words":14,"start":1070.555,"end":1079.6951},{"sentences":[{"text":"No.","start":1112.55,"end":1112.79,"sentiment":"neutral","sentiment_score":-0.08738245069980621},{"text":"Probably the the moderate in the middle.","start":1112.79,"end":1115.05,"sentiment":"neutral","sentiment_score":-0.03393156427357878},{"text":"Yeah.","start":1127.9651,"end":1128.365,"sentiment":"neutral","sentiment_score":0.017211269587278366},{"text":"The second of the two options.","start":1128.365,"end":1129.875,"sentiment":"neutral","sentiment_score":0.014353904717912277},{"text":"I'd yeah.","start":1129.875,"end":1130.7051,"sentiment":"neutral","sentiment_score":0.04004494659602642}],"sentiment":"neutral","sentiment_score":-0.008322282913414872,"num_words":17,"start":1112.55,"end":1130.7051},{"sentences":[{"text":"Just happy with my main primary residence at this stage.","start":1137.8201,"end":1140.64,"sentiment":"neutral","sentiment_score":0.17795815840363502},{"text":"Mhmm.","start":1152.14,"end":1152.64,"sentiment":"neutral","sentiment_score":0.07813599705696106},{"text":"Yep.","start":1159.995,"end":1160.495,"sentiment":"neutral","sentiment_score":0.046573489904403687},{"text":"Mhmm.","start":1165.8351,"end":1166.3351,"sentiment":"neutral","sentiment_score":-0.07420677691698074},{"text":"Mhmm.","start":1180.5,"end":1181.0,"sentiment":"neutral","sentiment_score":-0.030363639816641808}],"sentiment":"neutral","sentiment_score":0.12855147530457803,"num_words":14,"start":1137.8201,"end":1181.0},{"sentences":[{"text":"Yeah.","start":1193.205,"end":1193.605,"sentiment":"neutral","sentiment_score":0.018018458038568497},{"text":"Yeah.","start":1193.605,"end":1194.105,"sentiment":"neutral","sentiment_score":0.03961167857050896},{"text":"Yeah.","start":1195.445,"end":1195.945,"sentiment":"neutral","sentiment_score":0.10283434391021729},{"text":"No.","start":1198.26,"end":1198.5,"sentiment":"neutral","sentiment_score":0.023596007376909256},{"text":"No.","start":1198.5,"end":1198.6599,"sentiment":"neutral","sentiment_score":0.0421077199280262}],"sentiment":"neutral","sentiment_score":0.045233641564846036,"num_words":5,"start":1193.205,"end":1198.6599},{"sentences":[{"text":"That's all pretty good.","start":1198.6599,"end":1199.62,"sentiment":"neutral","sentiment_score":0.2568092346191406},{"text":"Yep.","start":1199.62,"end":1200.12,"sentiment":"neutral","sentiment_score":0.320514976978302},{"text":"Yeah.","start":1209.7799,"end":1210.02,"sentiment":"neutral","sentiment_score":-0.12094898521900176},{"text":"That's very tight.","start":1210.02,"end":1211.1599,"sentiment":"neutral","sentiment_score":-0.1471705287694931},{"text":"Mhmm.","start":1216.745,"end":1217.245,"sentiment":"neutral","sentiment_score":0.04429033026099205}],"sentiment":"neutral","sentiment_score":0.08295816741883755,"num_words":10,"start":1198.6599,"end":1217.245},{"sentences":[{"text":"Mhmm.","start":1232.63,"end":1232.87,"sentiment":"neutral","sentiment_score":0.037840165197849274},{"text":"Yeah.","start":1232.87,"end":1233.1901,"sentiment":"neutral","sentiment_score":0.05760148912668228},{"text":"That'd be nice.","start":1233.1901,"end":1234.01,"sentiment":"neutral","sentiment_score":0.22394448518753052},{"text":"Yeah.","start":1238.325,"end":1238.565,"sentiment":"neutral","sentiment_score":0.03752563521265984},{"text":"Look.","start":1238.565,"end":1238.8049,"sentiment":"neutral","sentiment_score":0.03870151191949845}],"sentiment":"neutral","sentiment_score":0.12050032243132591,"num_words":7,"start":1232.63,"end":1238.8049},{"sentences":[{"text":"I'm probably over the last twelve months, and we've got in the right months.","start":1238.8049,"end":1241.0449,"sentiment":"neutral","sentiment_score":0.032294594549707005},{"text":"But, yeah, we can kinda need to be able to do it more I'd like to be able to do it more often.","start":1241.0449,"end":1244.585,"sentiment":"neutral","sentiment_score":0.028443095152792724},{"text":"Not really at this stage.","start":1252.35,"end":1253.55,"sentiment":"neutral","sentiment_score":-0.0364566944539547},{"text":"As I said, it's just sort of, yeah, focus on the main goal at the moment, which is just, yeah, making the end thing.","start":1253.55,"end":1259.97,"sentiment":"neutral","sentiment_score":0.01134468118349711},{"text":"Yeah.","start":1270.615,"end":1270.855,"sentiment":"neutral","sentiment_score":0.04045674204826355}],"sentiment":"neutral","sentiment_score":0.018459121349142557,"num_words":67,"start":1238.8049,"end":1270.855},{"sentences":[{"text":"That's correct.","start":1270.855,"end":1271.595,"sentiment":"neutral","sentiment_score":0.04195465333759785},{"text":"Yeah.","start":1271.7473,"end":1272.2473,"sentiment":"neutral","sentiment_score":0.015535114333033562},{"text":"That's basically just hack out of this as not to look into anything.","start":1272.3997,"end":1280.395,"sentiment":"neutral","sentiment_score":0.06126606951539333},{"text":"Yeah.","start":1281.82,"end":1281.8314,"sentiment":"neutral","sentiment_score":-0.09147486090660097},{"text":"That's basically just hack out of this as not to look into that.","start":1281.8314,"end":1283.62,"sentiment":"neutral","sentiment_score":-0.20088477661976448}],"sentiment":"neutral","sentiment_score":-0.06023578774183989,"num_words":30,"start":1270.855,"end":1283.62},{"sentences":[{"text":"I mean That's something that's killing me.","start":1283.62,"end":1291.6,"sentiment":"negative","sentiment_score":-0.4693176256758826},{"text":"Yeah.","start":1291.82,"end":1292.22,"sentiment":"neutral","sentiment_score":-0.03757322579622269},{"text":"Yeah.","start":1292.22,"end":1292.46,"sentiment":"neutral","sentiment_score":-0.004888910800218582},{"text":"It's my phone.","start":1292.46,"end":1293.36,"sentiment":"neutral","sentiment_score":0.04795419083287319},{"text":"Yeah.","start":1309.7999,"end":1310.2,"sentiment":"neutral","sentiment_score":-0.018842659890651703}],"sentiment":"neutral","sentiment_score":-0.24635889259381935,"num_words":13,"start":1283.62,"end":1310.2},{"sentences":[{"text":"Yeah.","start":1310.2,"end":1310.44,"sentiment":"neutral","sentiment_score":-0.07553428411483765},{"text":"Exactly right.","start":1310.44,"end":1311.34,"sentiment":"neutral","sentiment_score":-0.11917760595679283},{"text":"Yep.","start":1312.84,"end":1313.34,"sentiment":"neutral","sentiment_score":-0.2820891737937927},{"text":"Something that I'm gonna have to look at in the next 10.","start":1313.48,"end":1315.8999,"sentiment":"neutral","sentiment_score":-0.24517275641361871},{"text":"Yeah.","start":1321.105,"end":1321.4249,"sentiment":"neutral","sentiment_score":0.022175215184688568}],"sentiment":"neutral","sentiment_score":-0.2068162665647619,"num_words":17,"start":1310.2,"end":1321.4249},{"sentences":[{"text":"14 and 12 is fine.","start":1321.4249,"end":1322.965,"sentiment":"neutral","sentiment_score":0.0691436544060707},{"text":"Oh, yeah.","start":1326.225,"end":1326.865,"sentiment":"neutral","sentiment_score":0.05326459929347038},{"text":"As good as it is with the lower chain, I just suppose.","start":1326.865,"end":1329.6849,"sentiment":"neutral","sentiment_score":0.1896208804100752},{"text":"Exactly.","start":1333.505,"end":1334.005,"sentiment":"neutral","sentiment_score":0.017970530316233635},{"text":"Yeah.","start":1343.47,"end":1343.7899,"sentiment":"neutral","sentiment_score":0.04110506922006607}],"sentiment":"neutral","sentiment_score":0.13270350643211887,"num_words":21,"start":1321.4249,"end":1343.7899},{"sentences":[{"text":"Very true.","start":1343.7899,"end":1344.35,"sentiment":"neutral","sentiment_score":0.09905647858977318},{"text":"Very true.","start":1344.35,"end":1345.1699,"sentiment":"neutral","sentiment_score":0.09234625846147537},{"text":"Perfect.","start":1377.585,"end":1378.085,"sentiment":"neutral","sentiment_score":0.1797221601009369},{"text":"Mhmm.","start":1403.45,"end":1403.95,"sentiment":"neutral","sentiment_score":0.04472240433096886},{"text":"Yep.","start":1416.215,"end":1416.715,"sentiment":"neutral","sentiment_score":0.21028147637844088}],"sentiment":"neutral","sentiment_score":0.11679021641612053,"num_words":7,"start":1343.7899,"end":1416.715},{"sentences":[{"text":"Yeah.","start":1418.1,"end":1418.42,"sentiment":"neutral","sentiment_score":0.2820736765861511},{"text":"Perfect.","start":1418.42,"end":1418.92,"sentiment":"positive","sentiment_score":0.529066801071167},{"text":"No.","start":1424.66,"end":1424.8201,"sentiment":"neutral","sentiment_score":-0.11060075461864471},{"text":"I think you've you've touched it all there.","start":1424.8201,"end":1426.5801,"sentiment":"neutral","sentiment_score":-0.04375136597082019},{"text":"She's good.","start":1426.5801,"end":1427.4,"sentiment":"positive","sentiment_score":0.42493607103824615}],"sentiment":"neutral","sentiment_score":0.09233853364220032,"num_words":13,"start":1418.1,"end":1427.4},{"sentences":[{"text":"Yeah.","start":1439.515,"end":1440.015,"sentiment":"neutral","sentiment_score":0.09823882579803468},{"text":"Yeah.","start":1443.435,"end":1443.675,"sentiment":"neutral","sentiment_score":0.09501788020133972},{"text":"Not a problem.","start":1443.675,"end":1444.745,"sentiment":"neutral","sentiment_score":0.24677289525667825},{"text":"Yeah.","start":1452.23,"end":1452.47,"sentiment":"neutral","sentiment_score":0.010053948499262331},{"text":"No.","start":1452.47,"end":1452.79,"sentiment":"neutral","sentiment_score":-0.010887758806347849}],"sentiment":"neutral","sentiment_score":0.1332487973517605,"num_words":7,"start":1439.515,"end":1452.79},{"sentences":[{"text":"Nothing that I can think of, but not everything's fine.","start":1452.79,"end":1455.29,"sentiment":"neutral","sentiment_score":-0.009399780444800854},{"text":"I'll look maybe got six months.","start":1481.22,"end":1482.92,"sentiment":"neutral","sentiment_score":0.007415738655254245},{"text":"Sounds good.","start":1490.755,"end":1495.095,"sentiment":"positive","sentiment_score":0.6596559882164001},{"text":"Mhmm.","start":1495.8148,"end":1496.3148,"sentiment":"neutral","sentiment_score":0.33192384243011475},{"text":"Thank you very much.","start":1499.4949,"end":1500.7948,"sentiment":"positive","sentiment_score":0.7055220901966095}],"sentiment":"neutral","sentiment_score":0.19234003509273348,"num_words":23,"start":1452.79,"end":1500.7948},{"sentences":[{"text":"Cheers.","start":1504.2948,"end":1504.7948,"sentiment":"positive","sentiment_score":0.48386526107788086},{"text":"Bye.","start":1505.1748,"end":1505.6748,"sentiment":"neutral","sentiment_score":0.21881678700447085}],"sentiment":"positive","sentiment_score":0.35134102404117584,"num_words":2,"start":1504.2948,"end":1505.6748}]}}]}],"paragraphs":{"transcript":"\nChannel 1: You're speaking. Hello?\n\nChannel 0: Hi, Andrew. It's Zena from OQ Financial. How are you this morning or\n\nChannel 1: Good.\n\nChannel 0: this afternoon?\n\nChannel 1: Thank you.\n\nChannel 0: Sorry.\n\nChannel 1: How are you? Yeah.\n\nChannel 0: Yeah. Very well. Thank you. I had to put in to go through a bit of an annual review today. Is now still a good time there for\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: you? Fantastic. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file.\n\nChannel 1: Full name, Andrew Carl Hurd. Address, 30 Robinson Way, Singleton Heights 2330. Date of birth, seventh of the second nineteen eighty four.\n\nChannel 0: Awesome.\n\nChannel 1: Is that all?\n\nChannel 0: Thank you. Yeah. That's perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Thank you\n\nChannel 1: Cool.\n\nChannel 0: so much for that. Legend.\n\nChannel 1: Yeah.\n\nChannel 0: I do know we sent through some annual review documents to you. Are you able to jump into your emails and have a look at those? If you can't, it's honestly okay.\n\nChannel 1: I just don't have my computer up at the moment. I'd\n\nChannel 0: Oh,\n\nChannel 1: have to use\n\nChannel 0: that's\n\nChannel 1: my\n\nChannel 0: okay. Not an issue at all. I'll send them through that while they're in your email. You can definitely\n\nChannel 1: yep.\n\nChannel 0: have a bit of a look at them later.\n\nChannel 1: Yeah.\n\nChannel 0: In the\n\nChannel 1: Perfect.\n\nChannel 0: meantime, I'll just run through your annual review, give you an update on your CV. We'll talk about your insurances, look at maybe updating some advice if it's appropriate to do so, and at what your goals are moving forward. Is there anything specific you maybe wanted to ask me or wanted me to touch on as part of your review today?\n\nChannel 1: Well, to to be a 100% honest, I've just had my dog has just done a couple of ligaments, like two cruciate ligaments. And I'm\n\nChannel 0: Oh,\n\nChannel 1: looking\n\nChannel 0: wow.\n\nChannel 1: at about 10 plus in things. And someone said to me, you might be able to take money out of your super to cover it. And I was like, I have no idea, but I've got an appointment, and I'll speak to lady anyway. So\n\nChannel 0: Yeah. Yeah. No. Absolutely. So, normally, they don't allow you to take the money out of your super for, like, vet bills and things like that.\n\nChannel 1: Yeah.\n\nChannel 0: But in that instance, it would certainly be compassionate grounds. But, look, there's nothing to say you can't submit the claims via myGov to see if the ATO approve it.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Right.\n\nChannel 0: under compassionate grounds, it needs to be essentially medical treatment where, you know, you're unable to pay for the expenses yourself. Normally, people do it for their teeth, you know, medical procedures that they need on themselves or their dependents.\n\nChannel 1: Yeah.\n\nChannel 0: I've honestly not seen anyone try it for vet bills, but the way you\n\nChannel 1: Okay. Ready\n\nChannel 0: do\n\nChannel 1: to\n\nChannel 0: compassionate\n\nChannel 1: go.\n\nChannel 0: grounds is you just apply through your myGov account. You just\n\nChannel 1: Yep.\n\nChannel 0: need to get, any of the documentation required. So you'll essentially need to get, like, vet bills or quotes for\n\nChannel 1: Yep.\n\nChannel 0: how much you'll need to cover the cost and things like that. Just provide all that as evidence. It'll go through the ATO, and then they'll assess the claim and determine whether or not they approve it or not.\n\nChannel 1: Yeah.\n\nChannel 0: The if they do approve it, that will determine how much you can take out to cover the cost. There's also tax consequences. So because you're under the age of 60, tax is also going to be deducted or, you know, withheld in relation to the amount that is also taken out,\n\nChannel 1: Taken\n\nChannel 0: but\n\nChannel 1: out.\n\nChannel 0: they'll\n\nChannel 1: Yeah.\n\nChannel 0: confirm how much that'll be for you as well on the letter if they approve it. But, look, I have not seen anyone do it for vet vet bills before, but there's no harm in trying. If you've if $10 is a lot of money,\n\nChannel 1: Yeah.\n\nChannel 0: especially\n\nChannel 1: Yeah.\n\nChannel 0: for that\n\nChannel 1: That's\n\nChannel 0: sort\n\nChannel 1: alright. That's just, you know, like, everything's just so hard up\n\nChannel 0: of\n\nChannel 1: at the moment with you have mortgage rates and god knows what. So\n\nChannel 0: yeah. Yeah. No. Look. Jump on to your myGov account when you\n\nChannel 1: yeah.\n\nChannel 0: got some\n\nChannel 1: I'll\n\nChannel 0: time.\n\nChannel 1: give it\n\nChannel 0: Grab\n\nChannel 1: a go.\n\nChannel 0: all the medical evidence required. Give it a go. The worst they say is no. At least you can\n\nChannel 1: Yeah.\n\nChannel 0: say you've tried.\n\nChannel 1: Yeah.\n\nChannel 0: But please keep\n\nChannel 1: You\n\nChannel 0: me\n\nChannel 1: know,\n\nChannel 0: updated\n\nChannel 1: worthless.\n\nChannel 0: because, yeah, look, I've seen a lot of different compassionate grounds claims that go through, but I've honestly never seen it done for vet vet bills. So we'll give it a crack and see what happens.\n\nChannel 1: Yeah. That's it.\n\nChannel 0: Yeah. No. Perfect. All good.\n\nChannel 1: But other than that, yeah, I'm just cruising. Same thing.\n\nChannel 0: Yeah. That's all good. Well, I'll give you an update on your super. So your your balance inside your hub 24 super as of the July 24 is a 196,467 and 46¢. Within host plus, we do have an updated balance of $17,086.20.\n\nThat is as of September last year. We haven't been able to get updated research since that point. I know that Peter sent through a third party authority for you to sign. Have you received that at all?\n\nChannel 1: Oh, I don't think I have. Can you resend it?\n\nChannel 0: Yeah. Absolutely. So\n\nChannel 1: Because\n\nChannel 0: we just\n\nChannel 1: I'd like\n\nChannel 0: need\n\nChannel 1: to\n\nChannel 0: to get\n\nChannel 1: move that\n\nChannel 0: that\n\nChannel 1: that that amount back over into my super.\n\nChannel 0: yeah. Absolutely.\n\nChannel 1: Like, out of host\n\nChannel 0: Abs\n\nChannel 1: plus, I don't need it.\n\nChannel 0: have no. Absolutely. We definitely wanna get that sorted for you, so we just need to get that down to the party authority sign so we can get the updated research and clarify exactly what's happening within host plus there.\n\nChannel 1: Yep.\n\nChannel 0: With regards to your hub 24 sleeper there, your balance this time last year, you had a 172,484, and now you're up to a 196 of four sixty seven there. So you have had after fees and a 6.84% return, which is a good solid positive return.\n\nChannel 1: Yeah.\n\nChannel 0: As a dollar figure, the income and the growth within the period is 13,645. So it kinda gives you an idea of what 6% looks like for your balance there.\n\nChannel 1: Yep.\n\nChannel 0: It is certainly a little bit lower than where we would sort of like it to be given you are in that growth portfolio.\n\nChannel 1: Uh-huh.\n\nChannel 0: Generally, when we're looking at that sort of portfolio, you're sort of hoping for or tracking around about a seven to 9% return compounded annually there. So it is a little bit lower than where I would like it to sort of be for the year. It is partly because of what's been happening globally\n\nChannel 1: Mhmm. I'm gonna\n\nChannel 0: with\n\nChannel 1: go\n\nChannel 0: the\n\nChannel 1: over\n\nChannel 0: US,\n\nChannel 1: process\n\nChannel 0: Iran\n\nChannel 1: this.\n\nChannel 0: war. Yeah. However, I can also see one of your investments underperforming a little bit in there as well. So you did have or do have been along Australian equities. That one there is the only one that's sort of down and down because that investment hasn't been able to sorry.\n\nThat investment is meant to be outperforming against the market, the idea of having an active manager in your portfolio. They have not been able to do that, and they have, unfortunately, had a fewer underlying issues that I've been able to sort of evaluate there. So I would like to issues that I've been able to sort of evaluate there. So I would like to, if you're comfortable, update the advice for you, remove\n\nChannel 1: Yeah.\n\nChannel 0: that investment, and look at putting something else in its place. I don't\n\nChannel 1: Yeah.\n\nChannel 0: want\n\nChannel 1: That'd\n\nChannel 0: you to be\n\nChannel 1: be\n\nChannel 0: in anything\n\nChannel 1: great.\n\nChannel 0: underperforming. Yeah.\n\nChannel 1: Yeah. Something that's performing better. Definitely.\n\nChannel 0: Absolutely. Now you're still really young. You've got a lot of time on your side here at the moment, so you can't actually access super till the age of 60. Is that kind of your goal age still? Are you hoping to be able to retire as early as possible?\n\nChannel 1: Well, I think we all are. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: Absolutely.\n\nChannel 1: where where where possible.\n\nChannel 0: Yeah. Yeah. Absolutely. Just double checking your goal age there at the moment because, realistically, you've got more than ten years ahead of you. When you think about your super, are you wanting me to look at replacing Banda Long but keeping more of an active manager in your portfolio, or are you wanting to look at more of a a portfolio that's maybe low cost, a bit cheaper in investment fees, but still working harder than, you know, at the moment?\n\nWhat are you sort of looking for in the way of a portfolio?\n\nChannel 1: No. Honestly, just to be putting as much in there as possible. So, yeah, look, whatever means needs to happen to to make that happen, I suppose,\n\nChannel 0: Yeah.\n\nChannel 1: and what yeah.\n\nChannel 0: Yep.\n\nChannel 1: Anything that yeah. I can get\n\nChannel 0: Yeah.\n\nChannel 1: in there,\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: will.\n\nChannel 0: Yeah. That's okay. So you'd be comfortable looking at more of a passively managed low cost portfolio to save on fees rather than having an active manager taking on more risk trying to outperform against the market. Would you say that's fairly comfortable,\n\nChannel 1: Yeah.\n\nChannel 0: or would you prefer the other way around?\n\nChannel 1: No. Probably\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: Yeah.\n\nChannel 1: passenger. Yep.\n\nChannel 0: Yeah. Beautiful. And look. Lower cost fees means more money stays in your portfolio working harder for you, so that's never a bad thing. And I've got a couple of options I can look to replace that for you.\n\nFantastic.\n\nChannel 1: Uh-huh.\n\nChannel 0: Otherwise, everything else in your portfolio has been performing very nicely there. Your gold, especially, is up by over 14.18% for the that's good to see. The S and P 500 is up over 12% individually there, And we've also got bank hybrids. So those are more of a more of a, sorry, defensive investments and lower risk. So they are looking to phase those out over the next couple of years.\n\nSo I'll probably look to maybe readjust a few other options in the portfolio if you're comfortable\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Definitely.\n\nChannel 0: removing some investments and maybe looking at something that's maybe had a greater past performance and give you this you know, can, you know, provide greater future performance and sort of help to put you in a better position over the next five to ten years. Are you comfortable with me updating everything\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Definitely.\n\nChannel 0: looking at it all? Yeah.\n\nChannel 1: Yes, please. Yep.\n\nChannel 0: Excellent. All good. I had a really good look at things before the call, and I was like, we can definitely do some advice, but just wanna make sure you're comfortable with that as well. If you ever\n\nChannel 1: Yeah.\n\nChannel 0: decide you don't want to, you're welcome to come back and say, no. Don't do it. Okay?\n\nChannel 1: No. That's fine.\n\nChannel 0: Excellent. All good. Now the other thing I just wanted to sort of chat about was last year, we did provide some updated advice around the insurance aspect there. Because inside your Hub twenty four super fund, sorry, host plus super funds. My apologies.\n\nYour life and TPD cover, you're currently covered for based on the last research, a 193,832 of life and total permanent disability cover. I know in the last advice document last year, we were looking to increase and get more retail cover for you and cover you for about 1,100,000 of life and TBD. Are you still wanting to maybe look at re adjusting and looking at new cover, or are you happy with the amount of cover you have in host plus? What's your thought?\n\nChannel 1: Honestly, I'm pretty happy at the moment. I yeah. I don't wanna sort of push\n\nChannel 0: Yep.\n\nChannel 1: too hard at this stage.\n\nChannel 0: That's okay. Did you want me to maybe look at whether we can just keep the level of cover you have in host plus and maybe transfer that into\n\nChannel 1: Yep.\n\nChannel 0: hub 24. So you can still move everything out of host plus into hub 24 and only have one super fund rather than the two,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: That's\n\nChannel 0: still\n\nChannel 1: our\n\nChannel 0: just\n\nChannel 1: deal.\n\nChannel 0: retain that cheap life and TPD cover you have. Is that preferred?\n\nChannel 1: Perfect.\n\nChannel 0: Yeah. Beautiful. I'm just I do have your pre assessment we did up last year as well. So just kinda going through. It honestly looks fine.\n\nCan I just run through these couple of questions again for you just to sort of confirm eligibility just to make sure there's no changes there?\n\nChannel 1: Yeah. Go.\n\nChannel 0: Are you currently off work or unable to perform your duties on a normal full time basis\n\nChannel 1: No.\n\nChannel 0: at all? Nope. Have you in the last twelve months been absent from work or unable to perform your normal occupational duties?\n\nChannel 1: No.\n\nChannel 0: No. You haven't been off work for more than six days\n\nChannel 1: No. No.\n\nChannel 0: other than having a cold or flu? No. All good.\n\nChannel 1: No. Not even that. So I've been good.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Touch wood, it stays\n\nChannel 0: Have\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: way.\n\nChannel 0: have you ever been diagnosed with or do you suffer from an illness that may cause permanent inability to go to work on a normal\n\nChannel 1: No.\n\nChannel 0: full time basis? Nope. Have you ever had an insurance application for death, PPD, total permanent disability, income protection, sickness, or accident refuse?\n\nChannel 1: No.\n\nChannel 0: Nope. Have you ever been paid, or are you eligible pay to be paid for any type of claim that's government benefits, worth of compensation, or any insurance claim?\n\nChannel 1: No.\n\nChannel 0: Nope. And have you ever had insurance application for death, death and TPD, term illness or income protection offered on a modified or not offered on nonstandard terms? Nope. Perfect. Excellent.\n\nSo based on this, the pre assessment there, it looks like eligibility. So what I'll do is\n\nChannel 1: No.\n\nChannel 0: I'll just go back and complete the research there for you. I'll update the advice document to reflect some changes to your super fund with the recommended investments, look at how that's gonna can help you moving forward, and let's also\n\nChannel 1: Mhmm.\n\nChannel 0: look at maybe moving that cover over, keeping the life and TPD exactly as it is, and just trying to consolidate everything into one fund to make it easier for you. Does that sound okay?\n\nChannel 1: Sounds great.\n\nChannel 0: Fantastic. Excellent. Nice and easy.\n\nChannel 1: Yep.\n\nChannel 0: Now we did originally also look at, like, income protection. You don't have any income protection or trauma covered. Do you remember going through those with me last year and chatting a bit more detail about them?\n\nChannel 1: Yeah. But yeah. Look at this page. I've just let that sort of slide.\n\nChannel 0: Yeah. That's absolutely fine. It's not a problem at all. If there any point you change your mind, just come back and let me know. Because income protection does sort of cover that a percentage of your income if you're unable to go to work.\n\nSo not having it. It's just about making sure you've got something to fall back on.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have much in the way of savings, or how's\n\nChannel 1: Nope.\n\nChannel 0: your expenditure look like?\n\nChannel 1: Not\n\nChannel 0: No.\n\nChannel 1: anymore.\n\nChannel 0: No. It's all going on the mortgage.\n\nChannel 1: Yeah. Pretty much.\n\nChannel 0: Yep. That's okay. And you're comfortable with just, like, where everything is sitting? Just we'll focus on life and TPD and look at income protection and possibly trauma and things like that down the track for you.\n\nChannel 1: Yeah. That'd be great.\n\nChannel 0: Yeah. Excellent. All good. Income wise, I had you on about a 120,000 last year. Have you got a pay increase since then at all?\n\nChannel 1: No. It's gone back the other way because I changed positions.\n\nChannel 0: Oh,\n\nChannel 1: So I'm\n\nChannel 0: no.\n\nChannel 1: sitting in a sitting in about a 105 at this stage, but, yeah, literally\n\nChannel 0: Okay.\n\nChannel 1: just about to get a pay review. So it'll probably go up to about 110.\n\nChannel 0: Well, yeah, you're definitely worth it.\n\nChannel 1: I think so.\n\nChannel 0: Absolutely. Beautiful. And you're not salary sacrificing or not wanting to put any additional in the super at the moment over and above your employer contributions. Is that right?\n\nChannel 1: Not at this point in time. No.\n\nChannel 0: No. That's okay. We're sort of focusing on getting the mortgage down as fast as we can. Is that sort of your main goal still?\n\nChannel 1: It is.\n\nChannel 0: Yeah. Beautiful. Mortgage wise, we had you on about owing about 340,000 last year. Have you reduced it\n\nChannel 1: We refinanced\n\nChannel 0: a\n\nChannel 1: at the start of the year,\n\nChannel 0: bit\n\nChannel 1: so it's going back the other way.\n\nChannel 0: since\n\nChannel 1: So it's about 300\n\nChannel 0: then?\n\nChannel 1: and I think about 3\n\nChannel 0: Yep.\n\nChannel 1: 80.\n\nChannel 0: $3.80? Yep. Beautiful. All good. And the property we had valued at 700,000 with having that old, and you woulda had it revalued again.\n\nWhat sort of value did they put on it?\n\nChannel 1: That's $7.60.\n\nChannel 0: Oh, fantastic. Excellent. I've also got your motor vehicle down here, a value of about 17,000. What sort of value would you put on your car currently?\n\nChannel 1: I'd probably say 10.\n\nChannel 0: 10? Yeah. Beautiful. What kind of vehicle is it?\n\nChannel 1: Just a wrap for\n\nChannel 0: Yeah. Perfect. They hold their value pretty well, those things.\n\nChannel 1: yeah.\n\nChannel 0: Everyone\n\nChannel 1: Yeah.\n\nChannel 0: still wants a RAV four.\n\nChannel 1: Yep.\n\nChannel 0: We had a loan of about 3,000. Have you refinanced that or managed\n\nChannel 1: It's\n\nChannel 0: to pay\n\nChannel 1: gone.\n\nChannel 0: it off?\n\nChannel 1: No.\n\nChannel 0: Gone?\n\nChannel 1: No lines\n\nChannel 0: Yes.\n\nChannel 1: at the moment.\n\nChannel 0: Fantastic. Sorry. Any other cars, boats, or caravans that you'd note down with value?\n\nChannel 1: No. No.\n\nChannel 0: No. That's okay. Any collections or tools of trade or shares or cryptocurrency that you have as well?\n\nChannel 1: No. Not quite a bit.\n\nChannel 0: No. That's okay. All good. I've got down here estate planning side of things. I had it noted that you guys didn't have a will or power of attorney done up.\n\nIs that something you've discussed or looked at doing or spoken to a solicitor about?\n\nChannel 1: Yeah. Look. It is, yeah, still in the plan to get that done, but, yeah, haven't done anything with it at this stage.\n\nChannel 0: No. That's okay. All good. And with your beneficiary nominations, I have it down here that you want your life cover and your super paid out to Katrina in the event that anything happens.\n\nChannel 1: Mhmm.\n\nChannel 0: It's a 100% paid to her. That's still valid and correct.\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Yep. Beautiful. Now the type of nomination that you do have, I'm pretty sure we attached it last year. You do have it as a binding nomination, so it does mean that we have to review that and have it updated and refilled out every three years. The next time it's due is essentially this time next year.\n\nAre you happy with the type of nomination? Did you want us to maybe update the advice to reflect, you know, recommendations around making a nomination? You don't have to continuously update. What would you sort of\n\nChannel 1: Yeah.\n\nChannel 0: comfort\n\nChannel 1: That'd\n\nChannel 0: level\n\nChannel 1: be\n\nChannel 0: wise\n\nChannel 1: fine.\n\nChannel 0: feel?\n\nChannel 1: Yeah. We could\n\nChannel 0: Yeah?\n\nChannel 1: could\n\nChannel 0: Beautiful. Just with the the other type of nomination you\n\nChannel 1: do\n\nChannel 0: that you can have is a binding nonlapsing. It means that you fill\n\nChannel 1: that.\n\nChannel 0: the nomination out once, and you don't have to fill it out ever again\n\nChannel 1: Mhmm.\n\nChannel 0: unless you change the type of nomination. Normally I mean, depending on how things are, normally, we don't wanna change that from our spouse unless they pass away first or something changes in our relationship. And\n\nChannel 1: Yeah.\n\nChannel 0: we review that with you every year anyway. So it just means that we don't have to ask you to pre fill that form out every three years, which can get\n\nChannel 1: Yeah.\n\nChannel 0: kind of arduous and annoying.\n\nChannel 1: Yeah. No. That's\n\nChannel 0: So\n\nChannel 1: fine.\n\nChannel 0: if you're\n\nChannel 1: I'm happy to go that way.\n\nChannel 0: comfortable to do that, beautiful. I'll reflect that in the advice document for you as well, but I'll also get the team to make sure we send it out and update it. Are\n\nChannel 1: Yeah.\n\nChannel 0: you happy with us pre filling the nomination for you with Katrina's\n\nChannel 1: Yeah,\n\nChannel 0: details\n\nChannel 1: please.\n\nChannel 0: to make life a bit easier? Yep.\n\nChannel 1: Yeah. That'd be great.\n\nChannel 0: Fantastic. And did you prefer that to be emailed or posted to you or both?\n\nChannel 1: I'll get both just in case I miss\n\nChannel 0: Both.\n\nChannel 1: one.\n\nChannel 0: Yeah. Absolutely fine. I'll also get them to send out that third party authority for host plus. Again, we'll try\n\nChannel 1: Yeah.\n\nChannel 0: and get\n\nChannel 1: That'd\n\nChannel 0: it all\n\nChannel 1: be\n\nChannel 0: sent\n\nChannel 1: great.\n\nChannel 0: out in one one hit. See the signing\n\nChannel 1: One\n\nChannel 0: everything\n\nChannel 1: big hit.\n\nChannel 0: at once.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. Fantastic. The only other thing gonna touch on is just your risk profile there as well. So you are in that growth environment at the moment, which has, like, an eighty twenty split there. Having a look at the other questions that you've got more than ten years ahead of you before accessing your super, You've never invested in your own name before, have you?\n\nHave you ever owned shares?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. In the event that, say, the market took a big dive, say, 20% or more in the next one to two years, how do you think you might be feeling? Do you think you'd be okay? The buying opportunity, you're not retiring yet, you'll hold and wait, or do you think you'd be a bit more concerned than maybe contacting us?\n\nHow do you think you might feel in that instance?\n\nChannel 1: Good question. I suppose yeah. Look. I mean, I'd still be comfortable, I think.\n\nChannel 0: Yep. Yep. That's okay. Maybe give us a call, see what's happening, and,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: yeah, have a chat about it. Beautiful. All good. The other question I'd like to sort of go through is, you know, we're all looking to try and get the best returns we possibly can out of our super. But when you think of yourself and the type of risk level that you're undertaking, do you consider yourself comfortable taking on a higher level of risk to obtain greater potential returns, or do you feel you're more in the middle, medium range?\n\nYou are comfortable with a moderate amount of risk trying to get the best returns you possibly can, or do you consider yourself not comfortable taking on any risk and receiving lower rates of returns because\n\nChannel 1: No. Probably\n\nChannel 0: of that?\n\nChannel 1: the\n\nChannel 0: Where\n\nChannel 1: the\n\nChannel 0: do you think\n\nChannel 1: moderate\n\nChannel 0: you fit?\n\nChannel 1: in the middle.\n\nChannel 0: The medium? Yep. Beautiful. And have you ever thought about borrowing from a bank or financial institution in order to invest in shares or managed funds, or would you only ever do that for, say,\n\nChannel 1: Yeah. The second of the two options.\n\nChannel 0: property?\n\nChannel 1: I'd yeah.\n\nChannel 0: Yep. Property. That's okay. Do you wanna own more property in the future, or you're happy this is your main primary residence? What's the\n\nChannel 1: Just\n\nChannel 0: sort\n\nChannel 1: happy\n\nChannel 0: of goal\n\nChannel 1: with my\n\nChannel 0: property\n\nChannel 1: main primary residence at this stage.\n\nChannel 0: Yep. That's absolutely fine. So looking at that, you have scored there in that growth range. So it sees an eighty twenty split to 80% growth assets like Australian international shares, listed property,\n\nChannel 1: Mhmm.\n\nChannel 0: and commodities like gold and silver, and then 20% in low risk defensive investments like cash, bonds, and fixed interest. This\n\nChannel 1: Yep.\n\nChannel 0: suits someone who has at least six years before accessing their money. You've got more than that ahead of you.\n\nChannel 1: Mhmm.\n\nChannel 0: We do expect a likelihood of a negative return, say, one in every five years. And as I said before, we're kind of, wanting to try and get about seven to 9% on a yearly basis. So anything over that 9% isn't over full performance. It's done really well. Anything under\n\nChannel 1: Mhmm.\n\nChannel 0: that 7% isn't under performance, and we wanna make sure that it's either the performance of the fund, like what's happening within the individual investments, or if it's because of market reactions, then it's completely understandable. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Does that\n\nChannel 1: Yeah.\n\nChannel 0: all make sense? Do you have questions?\n\nChannel 1: Yeah.\n\nChannel 0: You're welcome to let me know if you do.\n\nChannel 1: No. No. That's all pretty good. Yep.\n\nChannel 0: Fantastic. The only other thing now just updating here, you said you're not really saving much at the moment. Everything's kinda going into your expenditure.\n\nChannel 1: Yeah. That's very tight.\n\nChannel 0: If yeah. Perfect. So I'll keep you in that kind of growth environment there.\n\nChannel 1: Mhmm.\n\nChannel 0: The next sort of five to six years, we have medium term goals here is that yourself and Katrina, your main focus there was to ensure that the kids have what they need and to take each day as it comes and to take some small family trips away.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Is that\n\nChannel 1: That'd be\n\nChannel 0: still\n\nChannel 1: nice.\n\nChannel 0: kind of your medium term goal? Have you been able to do that?\n\nChannel 1: Yeah. Look. I'm probably over the last twelve months, and we've got in the right months. But, yeah, we can kinda need to be able to do it more I'd like to be able to do it more\n\nChannel 0: Yeah.\n\nChannel 1: often.\n\nChannel 0: Have you got any kind of ideas on where you'd like to go? What kind of camping or a bit further\n\nChannel 1: Not\n\nChannel 0: away?\n\nChannel 1: really at this stage. As I said, it's just sort of, yeah, focus on the main goal at the moment, which is just, yeah, making the end thing.\n\nChannel 0: Yeah. Absolutely. Absolutely. And we wanted to one of the goals I had noted here was that by the time you do retire at 60, you wanna be completely debt free and have that mortgage down.\n\nChannel 1: Yeah.\n\nChannel 0: When you\n\nChannel 1: That's\n\nChannel 0: think\n\nChannel 1: correct.\n\nChannel 0: about your\n\nChannel 1: Yeah.\n\nChannel 0: mortgage, is\n\nChannel 1: That's\n\nChannel 0: there kind of, like,\n\nChannel 1: basically\n\nChannel 0: a goal amount\n\nChannel 1: just\n\nChannel 0: that you're hoping\n\nChannel 1: hack\n\nChannel 0: to have paid\n\nChannel 1: out\n\nChannel 0: off over the next\n\nChannel 1: of\n\nChannel 0: sort of five\n\nChannel 1: this\n\nChannel 0: to ten years, or\n\nChannel 1: as\n\nChannel 0: you're just trying\n\nChannel 1: not\n\nChannel 0: to sort of hack\n\nChannel 1: to\n\nChannel 0: at it as much\n\nChannel 1: look\n\nChannel 0: as you possibly\n\nChannel 1: into\n\nChannel 0: can\n\nChannel 1: anything.\n\nChannel 0: and reduce it as quickly as possible?\n\nChannel 1: Yeah. That's basically just hack out of this as not\n\nChannel 0: Yeah.\n\nChannel 1: to look into that. I mean\n\nChannel 0: Yeah. Not a problem at all. A bit tough for those interest rates going up and down. A bit of\n\nChannel 1: That's\n\nChannel 0: a yoyo\n\nChannel 1: something\n\nChannel 0: at\n\nChannel 1: that's\n\nChannel 0: the moment\n\nChannel 1: killing\n\nChannel 0: in\n\nChannel 1: me.\n\nChannel 0: it.\n\nChannel 1: Yeah. Yeah. It's my phone.\n\nChannel 0: I actually kind of feel for it because, like, my kids are seven 19 and 20, and I have a 10 year old. And, like, I feel for them. I love that my property is increasing in value, but I feel for them because without my assistance, I don't know what they're gonna ever be able to own or buy, and their mortgage payments are gonna be through the roof. And, you\n\nChannel 1: Yeah.\n\nChannel 0: know, you've\n\nChannel 1: Yeah.\n\nChannel 0: got a\n\nChannel 1: Exactly\n\nChannel 0: couple of\n\nChannel 1: right.\n\nChannel 0: kids as well, so it's pretty scary on that\n\nChannel 1: Yep.\n\nChannel 0: behalf, isn't\n\nChannel 1: Something that I'm gonna have to look at in the next 10.\n\nChannel 0: it? Yeah. Oh, and because your kids are basically teenagers now, aren't they?\n\nChannel 1: Yeah. 14 and 12 is fine.\n\nChannel 0: Wow. How is that going for you?\n\nChannel 1: Oh, yeah. As good as it is with the lower chain, I just suppose.\n\nChannel 0: Yeah. Yeah. Look, they did come out the other side. My 19 and\n\nChannel 1: Exactly.\n\nChannel 0: 20 year old are really good, but I had girls at that point. I'm about to go through it with the boys, and I keep saying to my friends, like, any advice on boys is a good thing because it's a whole another kettle of fish.\n\nChannel 1: Yeah. Very true. Very true.\n\nChannel 0: Yeah. No. All good. That's basically everything I needed to touch on at the moment. So I'll go back and do some research for you and update the advice around trying to consolidate everything.\n\nKeep your life in TPD. We're not gonna focus on any trauma, child trauma, or income protection at the moment. We can revisit those down the track if you'd like to. I'll just focus on getting things consolidated, transferring your life and TPD where appropriate, and altering your investments within Super for you. The\n\nChannel 1: Perfect.\n\nChannel 0: the and the review pack you will have in your email does have the on your ongoing service agreement for the next twelve months there. So you do pay an ongoing service fee. It is 1.65% per annum, and it's deducting a smaller monthly increments out of your super for our services there. If feel free to have you look through that one. I've also got all the documents that we had attached with regard to what I've gone through with your super balance.\n\nIt's got an index chart in there showing you market reactions over\n\nChannel 1: Mhmm.\n\nChannel 0: the last thirty years, and it's also got your insurance information there. And I'll get your third party authority done up and also your beneficiary nomination, and we'll get those out to you so we can get that research completed with host cost\n\nChannel 1: Yep.\n\nChannel 0: done in a nice timely manner\n\nChannel 1: Yeah.\n\nChannel 0: there.\n\nChannel 1: Perfect.\n\nChannel 0: Is there anything I may have missed or not touched on that you might have questions about? Or\n\nChannel 1: No. I think you've you've touched it all there. She's good.\n\nChannel 0: yeah. Beautiful. I'm just double checking your ID is up to date because Hostplus will want that with the third party authority. It does look like it's out of date on our file. So I will just get the team to send you a text message as well if that's okay, and\n\nChannel 1: Yeah.\n\nChannel 0: we'll just get you to update your ID, your license on file there as well. Okay?\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Easy. Is there any other questions or anything else that you might have for me at the moment? Or I touch on a lot fast. Sorry.\n\nChannel 1: Yeah. No. Nothing that I can think of, but not everything's\n\nChannel 0: That's\n\nChannel 1: fine.\n\nChannel 0: okay. Beautiful. Beautiful. We'll get this working for you. I'll update the advice in a couple of weeks there.\n\nYou'll be able to go back and read the advice and decide whether you take on the recommendations or not. In the meantime, if you have any questions or concerns or anything else, let me know. More than happy to sort of touch base and have a chat. And did you want another sort of review with of things in, like, six months, three months, or are you happy with the sponsor year? What would you like to see, Andrew?\n\nChannel 1: I'll look maybe got six months.\n\nChannel 0: Six months? Beautiful. We'll get one in around about Christmas time just before we go away for the break, so that'll be fantastic. Excellent.\n\nChannel 1: Sounds\n\nChannel 0: Thank you so much for your time. I'll let you go to enjoy\n\nChannel 1: good.\n\nChannel 0: your day, and I hope\n\nChannel 1: Mhmm.\n\nChannel 0: you have a good week, and I'll get stuck into this research for you. Okay.\n\nChannel 1: Thank you very much.\n\nChannel 0: My pleasure. Thanks for your time today, Andrew. Appreciate it. See you later.\n\nChannel 1: Cheers. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"You're speaking.","start":0.16,"end":0.82,"sentiment":"neutral","sentiment_score":0.009292430244386196},{"text":"Hello?","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.017699839547276497}],"sentiment":"neutral","sentiment_score":0.012094900012016296,"channel":1,"num_words":3,"start":0.16,"end":3.06},{"sentences":[{"text":"Hi, Andrew.","start":4.08,"end":4.88,"sentiment":"neutral","sentiment_score":0.08531554415822029},{"text":"It's Zena from OQ Financial.","start":4.88,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.1259289190173149},{"text":"How are you this morning or","start":6.3999996,"end":7.68,"sentiment":"neutral","sentiment_score":0.20071285714705786}],"sentiment":"neutral","sentiment_score":0.15419637125272018,"channel":0,"num_words":13,"start":4.08,"end":7.68},{"sentences":[{"text":"Good.","start":7.68,"end":8.0,"sentiment":"neutral","sentiment_score":0.23992270231246948}],"sentiment":"neutral","sentiment_score":0.23992270231246948,"channel":1,"num_words":1,"start":7.68,"end":8.0},{"sentences":[{"text":"this afternoon?","start":7.68,"end":8.32,"sentiment":"neutral","sentiment_score":0.17017950117588043}],"sentiment":"neutral","sentiment_score":0.17017950117588043,"channel":0,"num_words":2,"start":7.68,"end":8.32},{"sentences":[{"text":"Thank you.","start":8.0,"end":8.4,"sentiment":"neutral","sentiment_score":0.2963089346885681}],"sentiment":"neutral","sentiment_score":0.2963089346885681,"channel":1,"num_words":2,"start":8.0,"end":8.4},{"sentences":[{"text":"Sorry.","start":8.32,"end":8.82,"sentiment":"neutral","sentiment_score":0.13420121371746063}],"sentiment":"neutral","sentiment_score":0.13420121371746063,"channel":0,"num_words":1,"start":8.32,"end":8.82},{"sentences":[{"text":"How are you?","start":8.4,"end":9.139999,"sentiment":"neutral","sentiment_score":0.11355710277954738},{"text":"Yeah.","start":9.2,"end":9.7,"sentiment":"neutral","sentiment_score":0.09209886938333511}],"sentiment":"neutral","sentiment_score":0.10819254443049431,"channel":1,"num_words":4,"start":8.4,"end":9.7},{"sentences":[{"text":"Yeah.","start":9.44,"end":9.679999,"sentiment":"neutral","sentiment_score":0.18387585878372192},{"text":"Very well.","start":9.679999,"end":10.32,"sentiment":"positive","sentiment_score":0.38752636313438416},{"text":"Thank you.","start":10.32,"end":11.04,"sentiment":"positive","sentiment_score":0.5655687749385834},{"text":"I had to put in to go through a bit of an annual review today.","start":11.28,"end":13.679999,"sentiment":"neutral","sentiment_score":0.16191146671772003},{"text":"Is now still a good time there for","start":13.679999,"end":15.485,"sentiment":"neutral","sentiment_score":0.17603066191077232}],"sentiment":"neutral","sentiment_score":0.21167797967791557,"channel":0,"num_words":28,"start":9.44,"end":15.485},{"sentences":[{"text":"Yeah.","start":15.684999,"end":15.924999,"sentiment":"neutral","sentiment_score":0.12352427840232848},{"text":"That's fine.","start":15.924999,"end":16.744999,"sentiment":"neutral","sentiment_score":0.17247072607278824}],"sentiment":"neutral","sentiment_score":0.15615524351596832,"channel":1,"num_words":3,"start":15.684999,"end":16.744999},{"sentences":[{"text":"you?","start":16.985,"end":17.225,"sentiment":"neutral","sentiment_score":0.18001382052898407},{"text":"Fantastic.","start":17.225,"end":17.725,"sentiment":"positive","sentiment_score":0.5608773231506348},{"text":"Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":18.505,"end":22.825,"sentiment":"neutral","sentiment_score":0.1809968132039775},{"text":"Are you happy for me to proceed with that?","start":22.825,"end":24.845,"sentiment":"neutral","sentiment_score":0.20527206692430708}],"sentiment":"neutral","sentiment_score":0.19856666028499603,"channel":0,"num_words":34,"start":16.985,"end":24.845},{"sentences":[{"text":"Yep.","start":24.965,"end":25.465,"sentiment":"neutral","sentiment_score":0.1520097553730011}],"sentiment":"neutral","sentiment_score":0.1520097553730011,"channel":1,"num_words":1,"start":24.965,"end":25.465},{"sentences":[{"text":"Fantastic.","start":26.185,"end":26.685,"sentiment":"positive","sentiment_score":0.3924357295036316},{"text":"And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file.","start":26.825,"end":32.809998,"sentiment":"neutral","sentiment_score":0.18146826999802743}],"sentiment":"neutral","sentiment_score":0.18806100310757756,"channel":0,"num_words":32,"start":26.185,"end":32.809998},{"sentences":[{"text":"Full name, Andrew Carl Hurd.","start":32.85,"end":34.53,"sentiment":"neutral","sentiment_score":0.07270523086190224},{"text":"Address, 30 Robinson Way, Singleton Heights 2330.","start":34.53,"end":38.05,"sentiment":"neutral","sentiment_score":0.07081180598054614},{"text":"Date of birth, seventh of the second nineteen eighty four.","start":38.05,"end":40.515,"sentiment":"neutral","sentiment_score":0.06025744006037712}],"sentiment":"neutral","sentiment_score":0.0664446907625957,"channel":1,"num_words":22,"start":32.85,"end":40.515},{"sentences":[{"text":"Awesome.","start":41.03,"end":41.43,"sentiment":"neutral","sentiment_score":0.3005744218826294}],"sentiment":"neutral","sentiment_score":0.3005744218826294,"channel":0,"num_words":1,"start":41.03,"end":41.43},{"sentences":[{"text":"Is that all?","start":41.075,"end":41.895,"sentiment":"neutral","sentiment_score":0.1751234084367752}],"sentiment":"neutral","sentiment_score":0.1751234084367752,"channel":1,"num_words":3,"start":41.075,"end":41.895},{"sentences":[{"text":"Thank you.","start":41.43,"end":42.07,"sentiment":"neutral","sentiment_score":0.3043188601732254},{"text":"Yeah.","start":42.07,"end":42.309998,"sentiment":"neutral","sentiment_score":0.2769402861595154},{"text":"That's perfect.","start":42.309998,"end":43.03,"sentiment":"positive","sentiment_score":0.48375803232192993}],"sentiment":"positive","sentiment_score":0.37061881422996523,"channel":0,"num_words":5,"start":41.43,"end":43.03},{"sentences":[{"text":"Yeah.","start":42.995,"end":43.315,"sentiment":"positive","sentiment_score":0.3349096179008484}],"sentiment":"positive","sentiment_score":0.3349096179008484,"channel":1,"num_words":1,"start":42.995,"end":43.315},{"sentences":[{"text":"Thank you","start":43.03,"end":43.51,"sentiment":"positive","sentiment_score":0.5483866930007935}],"sentiment":"positive","sentiment_score":0.5483866930007935,"channel":0,"num_words":2,"start":43.03,"end":43.51},{"sentences":[{"text":"Cool.","start":43.315,"end":43.815,"sentiment":"positive","sentiment_score":0.5871759653091431}],"sentiment":"positive","sentiment_score":0.5871759653091431,"channel":1,"num_words":1,"start":43.315,"end":43.815},{"sentences":[{"text":"so much for that.","start":43.51,"end":44.385002,"sentiment":"positive","sentiment_score":0.58663409948349},{"text":"Legend.","start":44.385002,"end":44.885002,"sentiment":"neutral","sentiment_score":0.2589169442653656}],"sentiment":"positive","sentiment_score":0.5210906684398651,"channel":0,"num_words":5,"start":43.51,"end":44.885002},{"sentences":[{"text":"Yeah.","start":45.315,"end":45.815,"sentiment":"neutral","sentiment_score":0.10470897704362868}],"sentiment":"neutral","sentiment_score":0.10470897704362868,"channel":1,"num_words":1,"start":45.315,"end":45.815},{"sentences":[{"text":"I do know we sent through some annual review documents to you.","start":45.345,"end":48.225,"sentiment":"neutral","sentiment_score":0.05868976221730312},{"text":"Are you able to jump into your emails and have a look at those?","start":48.225,"end":50.705,"sentiment":"neutral","sentiment_score":0.04470790097756045},{"text":"If you can't, it's honestly okay.","start":50.705,"end":52.405,"sentiment":"neutral","sentiment_score":-0.10359850650032361}],"sentiment":"neutral","sentiment_score":0.02214364754036069,"channel":0,"num_words":32,"start":45.345,"end":52.405},{"sentences":[{"text":"I just don't have my computer up at the moment.","start":53.7,"end":55.780003,"sentiment":"neutral","sentiment_score":-0.20910739302635192},{"text":"I'd","start":55.780003,"end":55.940002,"sentiment":"neutral","sentiment_score":-0.05306033045053482}],"sentiment":"neutral","sentiment_score":-0.19492129642855038,"channel":1,"num_words":11,"start":53.7,"end":55.940002},{"sentences":[{"text":"Oh,","start":55.905,"end":56.305,"sentiment":"neutral","sentiment_score":-0.06825198978185654}],"sentiment":"neutral","sentiment_score":-0.06825198978185654,"channel":0,"num_words":1,"start":55.905,"end":56.305},{"sentences":[{"text":"have to use","start":55.940002,"end":56.34,"sentiment":"neutral","sentiment_score":-0.06604340175787608}],"sentiment":"neutral","sentiment_score":-0.06604340175787608,"channel":1,"num_words":3,"start":55.940002,"end":56.34},{"sentences":[{"text":"that's","start":56.305,"end":56.625,"sentiment":"neutral","sentiment_score":-0.07574587315320969}],"sentiment":"neutral","sentiment_score":-0.07574587315320969,"channel":0,"num_words":1,"start":56.305,"end":56.625},{"sentences":[{"text":"my","start":56.34,"end":56.5,"sentiment":"neutral","sentiment_score":-0.056233253329992294}],"sentiment":"neutral","sentiment_score":-0.056233253329992294,"channel":1,"num_words":1,"start":56.34,"end":56.5},{"sentences":[{"text":"okay.","start":56.625,"end":57.125,"sentiment":"neutral","sentiment_score":-0.0411190539598465},{"text":"Not an issue at all.","start":57.345,"end":58.225,"sentiment":"neutral","sentiment_score":-0.0074037954211235045},{"text":"I'll send them through that while they're in your email.","start":58.225,"end":60.05,"sentiment":"neutral","sentiment_score":0.08088249452412129},{"text":"You can definitely","start":60.05,"end":60.69,"sentiment":"neutral","sentiment_score":0.14287068446477255}],"sentiment":"neutral","sentiment_score":0.061015735135266654,"channel":0,"num_words":19,"start":56.625,"end":60.69},{"sentences":[{"text":"yep.","start":60.66,"end":61.16,"sentiment":"neutral","sentiment_score":0.08906230330467224}],"sentiment":"neutral","sentiment_score":0.08906230330467224,"channel":1,"num_words":1,"start":60.66,"end":61.16},{"sentences":[{"text":"have a bit of a look at them later.","start":60.69,"end":62.149998,"sentiment":"neutral","sentiment_score":0.053190852204958596}],"sentiment":"neutral","sentiment_score":0.053190852204958596,"channel":0,"num_words":9,"start":60.69,"end":62.149998},{"sentences":[{"text":"Yeah.","start":62.5,"end":62.74,"sentiment":"neutral","sentiment_score":0.06850095093250275}],"sentiment":"neutral","sentiment_score":0.06850095093250275,"channel":1,"num_words":1,"start":62.5,"end":62.74},{"sentences":[{"text":"In the","start":62.53,"end":62.77,"sentiment":"neutral","sentiment_score":0.10119762271642685}],"sentiment":"neutral","sentiment_score":0.10119762271642685,"channel":0,"num_words":2,"start":62.53,"end":62.77},{"sentences":[{"text":"Perfect.","start":62.74,"end":63.24,"sentiment":"neutral","sentiment_score":0.17872372269630432}],"sentiment":"neutral","sentiment_score":0.17872372269630432,"channel":1,"num_words":1,"start":62.74,"end":63.24},{"sentences":[{"text":"meantime, I'll just run through your annual review, give you an update on your CV.","start":62.77,"end":66.29,"sentiment":"neutral","sentiment_score":0.15283876458803813},{"text":"We'll talk about your insurances, look at maybe updating some advice if it's appropriate to do so, and at what your goals are moving forward.","start":66.29,"end":73.425,"sentiment":"neutral","sentiment_score":0.20002544939517974},{"text":"Is there anything specific you maybe wanted to ask me or wanted me to touch on as part of your review today?","start":73.425,"end":79.285,"sentiment":"neutral","sentiment_score":0.08151284537532112}],"sentiment":"neutral","sentiment_score":0.14655645648317953,"channel":0,"num_words":62,"start":62.77,"end":79.285},{"sentences":[{"text":"Well, to to be a 100% honest, I've just had my dog has just done a couple of ligaments, like two cruciate ligaments.","start":80.155,"end":91.5,"sentiment":"neutral","sentiment_score":-0.10005846133698588},{"text":"And I'm","start":91.96,"end":92.44,"sentiment":"neutral","sentiment_score":-0.07042130082845688}],"sentiment":"neutral","sentiment_score":-0.09768748849630356,"channel":1,"num_words":25,"start":80.155,"end":92.44},{"sentences":[{"text":"Oh,","start":92.38,"end":92.46,"sentiment":"neutral","sentiment_score":-0.1003953218460083}],"sentiment":"neutral","sentiment_score":-0.1003953218460083,"channel":0,"num_words":1,"start":92.38,"end":92.46},{"sentences":[{"text":"looking","start":92.44,"end":92.94,"sentiment":"neutral","sentiment_score":-0.13997606933116913}],"sentiment":"neutral","sentiment_score":-0.13997606933116913,"channel":1,"num_words":1,"start":92.44,"end":92.94},{"sentences":[{"text":"wow.","start":92.46,"end":92.96,"sentiment":"neutral","sentiment_score":-0.12534046173095703}],"sentiment":"neutral","sentiment_score":-0.12534046173095703,"channel":0,"num_words":1,"start":92.46,"end":92.96},{"sentences":[{"text":"at about 10 plus in things.","start":93.16,"end":96.415,"sentiment":"neutral","sentiment_score":-0.1153385303914547},{"text":"And someone said to me, you might be able to take money out of your super to cover it.","start":96.415,"end":99.854996,"sentiment":"neutral","sentiment_score":-0.10397223304761083},{"text":"And I was like, I have no idea, but I've got an appointment, and I'll speak to lady anyway.","start":99.854996,"end":103.935,"sentiment":"neutral","sentiment_score":-0.05369401007498566},{"text":"So","start":103.935,"end":104.435,"sentiment":"neutral","sentiment_score":-0.021726295351982117}],"sentiment":"neutral","sentiment_score":-0.08243146882288986,"channel":1,"num_words":45,"start":93.16,"end":104.435},{"sentences":[{"text":"Yeah.","start":104.515,"end":105.015,"sentiment":"neutral","sentiment_score":-0.01378273032605648},{"text":"Yeah.","start":105.555,"end":105.634995,"sentiment":"neutral","sentiment_score":-0.0485302209854126},{"text":"No.","start":105.634995,"end":105.955,"sentiment":"neutral","sentiment_score":-0.20872238278388977},{"text":"Absolutely.","start":105.955,"end":106.455,"sentiment":"neutral","sentiment_score":-0.08813793957233429},{"text":"So, normally, they don't allow you to take the money out of your super for, like, vet bills and things like that.","start":106.595,"end":112.32,"sentiment":"neutral","sentiment_score":-0.2637986743992025}],"sentiment":"neutral","sentiment_score":-0.23702861963269803,"channel":0,"num_words":26,"start":104.515,"end":112.32},{"sentences":[{"text":"Yeah.","start":112.89,"end":113.39,"sentiment":"neutral","sentiment_score":-0.04467888921499252}],"sentiment":"neutral","sentiment_score":-0.04467888921499252,"channel":1,"num_words":1,"start":112.89,"end":113.39},{"sentences":[{"text":"But in that instance, it would certainly be compassionate grounds.","start":113.12,"end":116.159996,"sentiment":"neutral","sentiment_score":0.024399479478597642},{"text":"But, look, there's nothing to say you can't submit the claims via myGov to see if the ATO approve it.","start":116.159996,"end":122.66,"sentiment":"neutral","sentiment_score":-0.06705136206001043}],"sentiment":"neutral","sentiment_score":-0.03656774821380774,"channel":0,"num_words":30,"start":113.12,"end":122.66},{"sentences":[{"text":"Yeah.","start":122.895004,"end":123.135,"sentiment":"neutral","sentiment_score":-0.03851933032274246}],"sentiment":"neutral","sentiment_score":-0.03851933032274246,"channel":1,"num_words":1,"start":122.895004,"end":123.135},{"sentences":[{"text":"But","start":122.96,"end":123.2,"sentiment":"neutral","sentiment_score":-0.04891524836421013}],"sentiment":"neutral","sentiment_score":-0.04891524836421013,"channel":0,"num_words":1,"start":122.96,"end":123.2},{"sentences":[{"text":"Right.","start":123.135,"end":123.635,"sentiment":"neutral","sentiment_score":-0.07423767447471619}],"sentiment":"neutral","sentiment_score":-0.07423767447471619,"channel":1,"num_words":1,"start":123.135,"end":123.635},{"sentences":[{"text":"under compassionate grounds, it needs to be essentially medical treatment where, you know, you're unable to pay for the expenses yourself.","start":123.2,"end":129.745,"sentiment":"neutral","sentiment_score":-0.15357700557935805},{"text":"Normally, people do it for their teeth, you know, medical procedures that they need on themselves or their dependents.","start":130.125,"end":136.22499,"sentiment":"neutral","sentiment_score":-0.12475286032024183}],"sentiment":"neutral","sentiment_score":-0.13988553658127784,"channel":0,"num_words":40,"start":123.2,"end":136.22499},{"sentences":[{"text":"Yeah.","start":135.89,"end":136.39,"sentiment":"neutral","sentiment_score":-0.05942967161536217}],"sentiment":"neutral","sentiment_score":-0.05942967161536217,"channel":1,"num_words":1,"start":135.89,"end":136.39},{"sentences":[{"text":"I've honestly not seen anyone try it for vet bills, but the way you","start":137.08499,"end":141.62001,"sentiment":"neutral","sentiment_score":-0.12574803669537818}],"sentiment":"neutral","sentiment_score":-0.12574803669537818,"channel":0,"num_words":14,"start":137.08499,"end":141.62001},{"sentences":[{"text":"Okay.","start":141.41,"end":141.565,"sentiment":"neutral","sentiment_score":0.07098894566297531},{"text":"Ready","start":141.565,"end":141.72,"sentiment":"neutral","sentiment_score":0.1139228418469429}],"sentiment":"neutral","sentiment_score":0.0924558937549591,"channel":1,"num_words":2,"start":141.41,"end":141.72},{"sentences":[{"text":"do","start":141.62001,"end":141.94,"sentiment":"neutral","sentiment_score":0.12545472383499146}],"sentiment":"neutral","sentiment_score":0.12545472383499146,"channel":0,"num_words":1,"start":141.62001,"end":141.94},{"sentences":[{"text":"to","start":141.72,"end":141.97,"sentiment":"neutral","sentiment_score":0.14569421112537384}],"sentiment":"neutral","sentiment_score":0.14569421112537384,"channel":1,"num_words":1,"start":141.72,"end":141.97},{"sentences":[{"text":"compassionate","start":141.94,"end":142.44,"sentiment":"neutral","sentiment_score":0.1120540127158165}],"sentiment":"neutral","sentiment_score":0.1120540127158165,"channel":0,"num_words":1,"start":141.94,"end":142.44},{"sentences":[{"text":"go.","start":141.97,"end":142.47,"sentiment":"neutral","sentiment_score":0.1943836212158203}],"sentiment":"neutral","sentiment_score":0.1943836212158203,"channel":1,"num_words":1,"start":141.97,"end":142.47},{"sentences":[{"text":"grounds is you just apply through your myGov account.","start":142.58,"end":145.40001,"sentiment":"neutral","sentiment_score":0.112831668721305},{"text":"You just","start":145.54001,"end":145.94,"sentiment":"neutral","sentiment_score":0.12966106086969376}],"sentiment":"neutral","sentiment_score":0.11589155820283023,"channel":0,"num_words":11,"start":142.58,"end":145.94},{"sentences":[{"text":"Yep.","start":145.81,"end":146.31,"sentiment":"neutral","sentiment_score":0.1176050454378128}],"sentiment":"neutral","sentiment_score":0.1176050454378128,"channel":1,"num_words":1,"start":145.81,"end":146.31},{"sentences":[{"text":"need to get, any of the documentation required.","start":145.94,"end":148.68001,"sentiment":"neutral","sentiment_score":0.08742766594514251},{"text":"So you'll essentially need to get, like, vet bills or quotes for","start":148.74,"end":153.22499,"sentiment":"neutral","sentiment_score":0.08980600380649169}],"sentiment":"neutral","sentiment_score":0.08885466866195202,"channel":0,"num_words":20,"start":145.94,"end":153.22499},{"sentences":[{"text":"Yep.","start":153.015,"end":153.515,"sentiment":"neutral","sentiment_score":0.09899669885635376}],"sentiment":"neutral","sentiment_score":0.09899669885635376,"channel":1,"num_words":1,"start":153.015,"end":153.515},{"sentences":[{"text":"how much you'll need to cover the cost and things like that.","start":153.22499,"end":155.625,"sentiment":"neutral","sentiment_score":0.06076076067984104},{"text":"Just provide all that as evidence.","start":155.625,"end":157.305,"sentiment":"neutral","sentiment_score":0.10177952920397122},{"text":"It'll go through the ATO, and then they'll assess the claim and determine whether or not they approve it or not.","start":157.305,"end":163.965,"sentiment":"neutral","sentiment_score":0.03868243453048524}],"sentiment":"neutral","sentiment_score":0.05518301098774641,"channel":0,"num_words":39,"start":153.22499,"end":163.965},{"sentences":[{"text":"Yeah.","start":163.52,"end":164.02,"sentiment":"neutral","sentiment_score":0.05194861441850662}],"sentiment":"neutral","sentiment_score":0.05194861441850662,"channel":1,"num_words":1,"start":163.52,"end":164.02},{"sentences":[{"text":"The if they do approve it, that will determine how much you can take out to cover the cost.","start":165.34,"end":170.23999,"sentiment":"neutral","sentiment_score":0.05999917752648655},{"text":"There's also tax consequences.","start":170.29999,"end":171.76,"sentiment":"neutral","sentiment_score":-0.12763281539082527},{"text":"So because you're under the age of 60, tax is also going to be deducted or, you know, withheld in relation to the amount that is also taken out,","start":171.9,"end":182.435,"sentiment":"neutral","sentiment_score":-0.06428107298139868}],"sentiment":"neutral","sentiment_score":-0.02374419240424266,"channel":0,"num_words":52,"start":165.34,"end":182.435},{"sentences":[{"text":"Taken","start":182.06499,"end":182.545,"sentiment":"neutral","sentiment_score":-0.018162820488214493}],"sentiment":"neutral","sentiment_score":-0.018162820488214493,"channel":1,"num_words":1,"start":182.06499,"end":182.545},{"sentences":[{"text":"but","start":182.435,"end":182.67499,"sentiment":"neutral","sentiment_score":-0.011244431138038635}],"sentiment":"neutral","sentiment_score":-0.011244431138038635,"channel":0,"num_words":1,"start":182.435,"end":182.67499},{"sentences":[{"text":"out.","start":182.545,"end":182.78499,"sentiment":"neutral","sentiment_score":0.0053061190992593765}],"sentiment":"neutral","sentiment_score":0.0053061190992593765,"channel":1,"num_words":1,"start":182.545,"end":182.78499},{"sentences":[{"text":"they'll","start":182.67499,"end":182.915,"sentiment":"neutral","sentiment_score":0.022988639771938324}],"sentiment":"neutral","sentiment_score":0.022988639771938324,"channel":0,"num_words":1,"start":182.67499,"end":182.915},{"sentences":[{"text":"Yeah.","start":182.78499,"end":183.28499,"sentiment":"neutral","sentiment_score":0.05445608124136925}],"sentiment":"neutral","sentiment_score":0.05445608124136925,"channel":1,"num_words":1,"start":182.78499,"end":183.28499},{"sentences":[{"text":"confirm how much that'll be for you as well on the letter if they approve it.","start":182.915,"end":187.47499,"sentiment":"neutral","sentiment_score":0.06887917662970722},{"text":"But, look, I have not seen anyone do it for vet vet bills before, but there's no harm in trying.","start":187.47499,"end":192.295,"sentiment":"neutral","sentiment_score":-0.08226625230163336},{"text":"If you've if $10 is a lot of money,","start":192.595,"end":195.12,"sentiment":"neutral","sentiment_score":-0.2411180767748091}],"sentiment":"neutral","sentiment_score":-0.06029602024290297,"channel":0,"num_words":45,"start":182.915,"end":195.12},{"sentences":[{"text":"Yeah.","start":195.06999,"end":195.31,"sentiment":"neutral","sentiment_score":-0.09303821623325348}],"sentiment":"neutral","sentiment_score":-0.09303821623325348,"channel":1,"num_words":1,"start":195.06999,"end":195.31},{"sentences":[{"text":"especially","start":195.12,"end":195.52,"sentiment":"neutral","sentiment_score":-0.14948013424873352}],"sentiment":"neutral","sentiment_score":-0.14948013424873352,"channel":0,"num_words":1,"start":195.12,"end":195.52},{"sentences":[{"text":"Yeah.","start":195.31,"end":195.70999,"sentiment":"neutral","sentiment_score":-0.09740602970123292}],"sentiment":"neutral","sentiment_score":-0.09740602970123292,"channel":1,"num_words":1,"start":195.31,"end":195.70999},{"sentences":[{"text":"for that","start":195.52,"end":195.92,"sentiment":"neutral","sentiment_score":-0.11465160921216011}],"sentiment":"neutral","sentiment_score":-0.11465160921216011,"channel":0,"num_words":2,"start":195.52,"end":195.92},{"sentences":[{"text":"That's","start":195.70999,"end":196.03,"sentiment":"neutral","sentiment_score":-0.2394389808177948}],"sentiment":"neutral","sentiment_score":-0.2394389808177948,"channel":1,"num_words":1,"start":195.70999,"end":196.03},{"sentences":[{"text":"sort","start":195.92,"end":196.42,"sentiment":"neutral","sentiment_score":-0.3163272738456726}],"sentiment":"neutral","sentiment_score":-0.3163272738456726,"channel":0,"num_words":1,"start":195.92,"end":196.42},{"sentences":[{"text":"alright.","start":196.03,"end":196.27,"sentiment":"neutral","sentiment_score":-0.2481423020362854},{"text":"That's just, you know, like, everything's just so hard up","start":196.27,"end":198.67,"sentiment":"negative","sentiment_score":-0.42532957792282106}],"sentiment":"negative","sentiment_score":-0.4092216437513178,"channel":1,"num_words":11,"start":196.03,"end":198.67},{"sentences":[{"text":"of","start":198.56,"end":199.06,"sentiment":"negative","sentiment_score":-0.5300444960594177}],"sentiment":"negative","sentiment_score":-0.5300444960594177,"channel":0,"num_words":1,"start":198.56,"end":199.06},{"sentences":[{"text":"at the moment with you have mortgage rates and god knows what.","start":198.67,"end":201.15,"sentiment":"negative","sentiment_score":-0.4267707069714864},{"text":"So","start":201.15,"end":201.23,"sentiment":"neutral","sentiment_score":-0.15311011672019958}],"sentiment":"negative","sentiment_score":-0.405719892336772,"channel":1,"num_words":13,"start":198.67,"end":201.23},{"sentences":[{"text":"yeah.","start":201.36,"end":201.86,"sentiment":"neutral","sentiment_score":-0.10629864037036896},{"text":"Yeah.","start":202.24,"end":202.56,"sentiment":"neutral","sentiment_score":-0.07375950366258621},{"text":"No.","start":202.56,"end":202.8,"sentiment":"neutral","sentiment_score":-0.09016728401184082},{"text":"Look.","start":202.8,"end":202.96,"sentiment":"neutral","sentiment_score":-0.06311279535293579},{"text":"Jump on to your myGov account when you","start":202.96,"end":204.48,"sentiment":"neutral","sentiment_score":-0.0022120666690170765}],"sentiment":"neutral","sentiment_score":-0.029252896395822365,"channel":0,"num_words":12,"start":201.36,"end":204.48},{"sentences":[{"text":"yeah.","start":204.43,"end":204.67,"sentiment":"neutral","sentiment_score":-0.02904840931296349}],"sentiment":"neutral","sentiment_score":-0.02904840931296349,"channel":1,"num_words":1,"start":204.43,"end":204.67},{"sentences":[{"text":"got some","start":204.48,"end":204.8,"sentiment":"neutral","sentiment_score":0.050518713891506195}],"sentiment":"neutral","sentiment_score":0.050518713891506195,"channel":0,"num_words":2,"start":204.48,"end":204.8},{"sentences":[{"text":"I'll","start":204.67,"end":204.83,"sentiment":"neutral","sentiment_score":0.07498753070831299}],"sentiment":"neutral","sentiment_score":0.07498753070831299,"channel":1,"num_words":1,"start":204.67,"end":204.83},{"sentences":[{"text":"time.","start":204.8,"end":205.04001,"sentiment":"neutral","sentiment_score":0.0745910257101059}],"sentiment":"neutral","sentiment_score":0.0745910257101059,"channel":0,"num_words":1,"start":204.8,"end":205.04001},{"sentences":[{"text":"give it","start":204.83,"end":205.15,"sentiment":"neutral","sentiment_score":0.12258985638618469}],"sentiment":"neutral","sentiment_score":0.12258985638618469,"channel":1,"num_words":2,"start":204.83,"end":205.15},{"sentences":[{"text":"Grab","start":205.04001,"end":205.28,"sentiment":"neutral","sentiment_score":0.18335647881031036}],"sentiment":"neutral","sentiment_score":0.18335647881031036,"channel":0,"num_words":1,"start":205.04001,"end":205.28},{"sentences":[{"text":"a go.","start":205.15,"end":205.665,"sentiment":"neutral","sentiment_score":0.12943600118160248}],"sentiment":"neutral","sentiment_score":0.12943600118160248,"channel":1,"num_words":2,"start":205.15,"end":205.665},{"sentences":[{"text":"all the medical evidence required.","start":205.28,"end":206.90001,"sentiment":"neutral","sentiment_score":0.03216727375984192},{"text":"Give it a go.","start":206.96,"end":207.915,"sentiment":"neutral","sentiment_score":0.12557888589799404},{"text":"The worst they say is no.","start":207.915,"end":209.19499,"sentiment":"negative","sentiment_score":-0.4069806585709254},{"text":"At least you can","start":209.19499,"end":209.915,"sentiment":"neutral","sentiment_score":-0.2652510963380337}],"sentiment":"neutral","sentiment_score":-0.14945981180981585,"channel":0,"num_words":19,"start":205.28,"end":209.915},{"sentences":[{"text":"Yeah.","start":209.825,"end":210.325,"sentiment":"neutral","sentiment_score":-0.09272661805152892}],"sentiment":"neutral","sentiment_score":-0.09272661805152892,"channel":1,"num_words":1,"start":209.825,"end":210.325},{"sentences":[{"text":"say you've tried.","start":209.915,"end":210.89499,"sentiment":"neutral","sentiment_score":-0.09293169279893239}],"sentiment":"neutral","sentiment_score":-0.09293169279893239,"channel":0,"num_words":3,"start":209.915,"end":210.89499},{"sentences":[{"text":"Yeah.","start":211.42499,"end":211.92499,"sentiment":"neutral","sentiment_score":-0.02542618289589882}],"sentiment":"neutral","sentiment_score":-0.02542618289589882,"channel":1,"num_words":1,"start":211.42499,"end":211.92499},{"sentences":[{"text":"But please keep","start":211.435,"end":212.23499,"sentiment":"neutral","sentiment_score":-0.04627343018849691}],"sentiment":"neutral","sentiment_score":-0.04627343018849691,"channel":0,"num_words":3,"start":211.435,"end":212.23499},{"sentences":[{"text":"You","start":212.22499,"end":212.385,"sentiment":"neutral","sentiment_score":-0.07011071592569351}],"sentiment":"neutral","sentiment_score":-0.07011071592569351,"channel":1,"num_words":1,"start":212.22499,"end":212.385},{"sentences":[{"text":"me","start":212.23499,"end":212.47499,"sentiment":"neutral","sentiment_score":-0.07986989617347717}],"sentiment":"neutral","sentiment_score":-0.07986989617347717,"channel":0,"num_words":1,"start":212.23499,"end":212.47499},{"sentences":[{"text":"know,","start":212.385,"end":212.625,"sentiment":"neutral","sentiment_score":-0.10185325145721436}],"sentiment":"neutral","sentiment_score":-0.10185325145721436,"channel":1,"num_words":1,"start":212.385,"end":212.625},{"sentences":[{"text":"updated","start":212.47499,"end":212.95499,"sentiment":"neutral","sentiment_score":-0.16431838274002075}],"sentiment":"neutral","sentiment_score":-0.16431838274002075,"channel":0,"num_words":1,"start":212.47499,"end":212.95499},{"sentences":[{"text":"worthless.","start":212.625,"end":213.125,"sentiment":"neutral","sentiment_score":-0.23608702421188352}],"sentiment":"neutral","sentiment_score":-0.23608702421188352,"channel":1,"num_words":1,"start":212.625,"end":213.125},{"sentences":[{"text":"because, yeah, look, I've seen a lot of different compassionate grounds claims that go through, but I've honestly never seen it done for vet vet bills.","start":212.95499,"end":219.915,"sentiment":"neutral","sentiment_score":-0.16953077224584726},{"text":"So we'll give it a crack and see what happens.","start":219.915,"end":222.09499,"sentiment":"neutral","sentiment_score":-0.12783294022083283}],"sentiment":"neutral","sentiment_score":-0.1579480411277877,"channel":0,"num_words":36,"start":212.95499,"end":222.09499},{"sentences":[{"text":"Yeah.","start":222.19,"end":222.43001,"sentiment":"neutral","sentiment_score":0.00611785426735878},{"text":"That's it.","start":222.43001,"end":223.25,"sentiment":"neutral","sentiment_score":-0.0024199639447033405}],"sentiment":"neutral","sentiment_score":0.0004259754593173663,"channel":1,"num_words":3,"start":222.19,"end":223.25},{"sentences":[{"text":"Yeah.","start":223.40999,"end":223.89,"sentiment":"neutral","sentiment_score":0.009726835414767264},{"text":"No.","start":223.89,"end":224.20999,"sentiment":"neutral","sentiment_score":-0.11166981607675552},{"text":"Perfect.","start":224.20999,"end":224.70999,"sentiment":"neutral","sentiment_score":0.14090168476104736},{"text":"All good.","start":224.93,"end":225.75,"sentiment":"neutral","sentiment_score":0.24240075051784515}],"sentiment":"neutral","sentiment_score":0.10475204102694988,"channel":0,"num_words":5,"start":223.40999,"end":225.75},{"sentences":[{"text":"But other than that, yeah, I'm just cruising.","start":225.87001,"end":228.05,"sentiment":"neutral","sentiment_score":0.11286185961216688},{"text":"Same thing.","start":228.27,"end":229.01001,"sentiment":"neutral","sentiment_score":0.2530311346054077}],"sentiment":"neutral","sentiment_score":0.14089571461081504,"channel":1,"num_words":10,"start":225.87001,"end":229.01001},{"sentences":[{"text":"Yeah.","start":228.68999,"end":229.18999,"sentiment":"positive","sentiment_score":0.37314140796661377},{"text":"That's all good.","start":229.65,"end":230.68999,"sentiment":"positive","sentiment_score":0.5408063729604086},{"text":"Well, I'll give you an update on your super.","start":230.68999,"end":232.68999,"sentiment":"neutral","sentiment_score":0.1884735276301702},{"text":"So your your balance inside your hub 24 super as of the July 24 is a 196,467 and 46¢.","start":232.68999,"end":242.815,"sentiment":"neutral","sentiment_score":0.12699806979960865},{"text":"Within host plus, we do have an updated balance of $17,086.20.","start":243.115,"end":248.795,"sentiment":"neutral","sentiment_score":0.1030596833337437}],"sentiment":"neutral","sentiment_score":0.1693200963948454,"channel":0,"num_words":43,"start":228.68999,"end":248.795},{"sentences":[{"text":"That is as of September last year.","start":248.795,"end":250.635,"sentiment":"neutral","sentiment_score":0.05239623465708324},{"text":"We haven't been able to get updated research since that point.","start":250.635,"end":253.93,"sentiment":"neutral","sentiment_score":-0.09125576693225991},{"text":"I know that Peter sent through a third party authority for you to sign.","start":254.23,"end":259.19,"sentiment":"neutral","sentiment_score":-0.004911632277071476},{"text":"Have you received that at all?","start":259.19,"end":261.05,"sentiment":"neutral","sentiment_score":-0.059844390799601875}],"sentiment":"neutral","sentiment_score":-0.028022868166628637,"channel":0,"num_words":38,"start":248.795,"end":261.05},{"sentences":[{"text":"Oh, I don't think I have.","start":261.565,"end":262.445,"sentiment":"neutral","sentiment_score":-0.18982636680205664},{"text":"Can you resend it?","start":262.445,"end":263.665,"sentiment":"neutral","sentiment_score":-0.16444244049489498}],"sentiment":"neutral","sentiment_score":-0.17967279627919197,"channel":1,"num_words":10,"start":261.565,"end":263.665},{"sentences":[{"text":"Yeah.","start":263.83,"end":264.23,"sentiment":"neutral","sentiment_score":-0.004109671339392662},{"text":"Absolutely.","start":264.23,"end":264.73,"sentiment":"neutral","sentiment_score":-0.0011599771678447723},{"text":"So","start":264.95,"end":265.19,"sentiment":"neutral","sentiment_score":-0.03293028846383095}],"sentiment":"neutral","sentiment_score":-0.01273331232368946,"channel":0,"num_words":3,"start":263.83,"end":265.19},{"sentences":[{"text":"Because","start":265.165,"end":265.405,"sentiment":"neutral","sentiment_score":-0.03258998692035675}],"sentiment":"neutral","sentiment_score":-0.03258998692035675,"channel":1,"num_words":1,"start":265.165,"end":265.405},{"sentences":[{"text":"we just","start":265.19,"end":265.51,"sentiment":"neutral","sentiment_score":-0.021905984729528427}],"sentiment":"neutral","sentiment_score":-0.021905984729528427,"channel":0,"num_words":2,"start":265.19,"end":265.51},{"sentences":[{"text":"I'd like","start":265.405,"end":265.64502,"sentiment":"neutral","sentiment_score":-0.016062716953456402}],"sentiment":"neutral","sentiment_score":-0.016062716953456402,"channel":1,"num_words":2,"start":265.405,"end":265.64502},{"sentences":[{"text":"need","start":265.51,"end":265.66998,"sentiment":"neutral","sentiment_score":0.020199917256832123}],"sentiment":"neutral","sentiment_score":0.020199917256832123,"channel":0,"num_words":1,"start":265.51,"end":265.66998},{"sentences":[{"text":"to","start":265.64502,"end":265.80502,"sentiment":"neutral","sentiment_score":-0.012220211327075958}],"sentiment":"neutral","sentiment_score":-0.012220211327075958,"channel":1,"num_words":1,"start":265.64502,"end":265.80502},{"sentences":[{"text":"to get","start":265.66998,"end":266.025,"sentiment":"neutral","sentiment_score":-0.03335228189826012}],"sentiment":"neutral","sentiment_score":-0.03335228189826012,"channel":0,"num_words":2,"start":265.66998,"end":266.025},{"sentences":[{"text":"move that","start":265.80502,"end":266.20502,"sentiment":"neutral","sentiment_score":0.0021784342825412768}],"sentiment":"neutral","sentiment_score":0.0021784342825412768,"channel":1,"num_words":2,"start":265.80502,"end":266.20502},{"sentences":[{"text":"that","start":266.025,"end":266.525,"sentiment":"neutral","sentiment_score":-0.02436801791191101}],"sentiment":"neutral","sentiment_score":-0.02436801791191101,"channel":0,"num_words":1,"start":266.025,"end":266.525},{"sentences":[{"text":"that that amount back over into my super.","start":266.20502,"end":268.465,"sentiment":"neutral","sentiment_score":-0.03764618397690356}],"sentiment":"neutral","sentiment_score":-0.03764618397690356,"channel":1,"num_words":8,"start":266.20502,"end":268.465},{"sentences":[{"text":"yeah.","start":268.82498,"end":269.225,"sentiment":"neutral","sentiment_score":-0.010588034987449646},{"text":"Absolutely.","start":269.225,"end":269.725,"sentiment":"neutral","sentiment_score":-0.02788874134421349}],"sentiment":"neutral","sentiment_score":-0.019238388165831566,"channel":0,"num_words":2,"start":268.82498,"end":269.725},{"sentences":[{"text":"Like, out of host","start":269.405,"end":270.36502,"sentiment":"neutral","sentiment_score":-0.05308313202112913}],"sentiment":"neutral","sentiment_score":-0.05308313202112913,"channel":1,"num_words":4,"start":269.405,"end":270.36502},{"sentences":[{"text":"Abs","start":270.185,"end":270.685,"sentiment":"neutral","sentiment_score":-0.07404014468193054}],"sentiment":"neutral","sentiment_score":-0.07404014468193054,"channel":0,"num_words":1,"start":270.185,"end":270.685},{"sentences":[{"text":"plus, I don't need it.","start":270.36502,"end":271.825,"sentiment":"neutral","sentiment_score":-0.1295899733901024}],"sentiment":"neutral","sentiment_score":-0.1295899733901024,"channel":1,"num_words":5,"start":270.36502,"end":271.825},{"sentences":[{"text":"have no.","start":271.38498,"end":272.505,"sentiment":"neutral","sentiment_score":-0.02368485182523728},{"text":"Absolutely.","start":272.505,"end":273.005,"sentiment":"neutral","sentiment_score":0.196758434176445},{"text":"We definitely wanna get that sorted for you, so we just need to get that down to the party authority sign so we can get the updated research and clarify exactly what's happening within host plus there.","start":274.025,"end":283.68,"sentiment":"neutral","sentiment_score":0.16003480654310537}],"sentiment":"neutral","sentiment_score":0.15176691431552172,"channel":0,"num_words":40,"start":271.38498,"end":283.68},{"sentences":[{"text":"Yep.","start":283.56,"end":284.06,"sentiment":"neutral","sentiment_score":0.1490468829870224}],"sentiment":"neutral","sentiment_score":0.1490468829870224,"channel":1,"num_words":1,"start":283.56,"end":284.06},{"sentences":[{"text":"With regards to your hub 24 sleeper there, your balance this time last year, you had a 172,484, and now you're up to a 196 of four sixty seven there.","start":283.9,"end":295.41998,"sentiment":"neutral","sentiment_score":0.23703410079081852},{"text":"So you have had after fees and a 6.84% return, which is a good solid positive return.","start":295.41998,"end":301.635,"sentiment":"positive","sentiment_score":0.41195481489686403}],"sentiment":"neutral","sentiment_score":0.30030329525470734,"channel":0,"num_words":47,"start":283.9,"end":301.635},{"sentences":[{"text":"Yeah.","start":302.15,"end":302.65,"sentiment":"neutral","sentiment_score":0.18792732059955597}],"sentiment":"neutral","sentiment_score":0.18792732059955597,"channel":1,"num_words":1,"start":302.15,"end":302.65},{"sentences":[{"text":"As a dollar figure, the income and the growth within the period is 13,645.","start":302.815,"end":309.375,"sentiment":"neutral","sentiment_score":0.21651967189141683},{"text":"So it kinda gives you an idea of what 6% looks like for your balance there.","start":309.375,"end":313.71,"sentiment":"neutral","sentiment_score":0.15052350284531713}],"sentiment":"neutral","sentiment_score":0.1813217150668303,"channel":0,"num_words":30,"start":302.815,"end":313.71},{"sentences":[{"text":"Yep.","start":313.99,"end":314.445,"sentiment":"neutral","sentiment_score":0.010945985093712808}],"sentiment":"neutral","sentiment_score":0.010945985093712808,"channel":1,"num_words":1,"start":313.99,"end":314.445},{"sentences":[{"text":"It is certainly a little bit lower than where we would sort of like it to be given you are in that growth portfolio.","start":314.01,"end":319.87,"sentiment":"negative","sentiment_score":-0.4110118088622888}],"sentiment":"negative","sentiment_score":-0.4110118088622888,"channel":0,"num_words":24,"start":314.01,"end":319.87},{"sentences":[{"text":"Uh-huh.","start":320.525,"end":321.025,"sentiment":"neutral","sentiment_score":-0.04079402610659599}],"sentiment":"neutral","sentiment_score":-0.04079402610659599,"channel":1,"num_words":1,"start":320.525,"end":321.025},{"sentences":[{"text":"Generally, when we're looking at that sort of portfolio, you're sort of hoping for or tracking around about a seven to 9% return compounded annually there.","start":320.97,"end":328.775,"sentiment":"neutral","sentiment_score":0.03292817604513122},{"text":"So it is a little bit lower than where I would like it to sort of be for the year.","start":328.775,"end":332.79498,"sentiment":"neutral","sentiment_score":-0.2546848848462105},{"text":"It is partly because of what's been happening globally","start":332.855,"end":335.675,"sentiment":"neutral","sentiment_score":-0.1717058014538553}],"sentiment":"neutral","sentiment_score":-0.10514395150609991,"channel":0,"num_words":55,"start":320.97,"end":335.675},{"sentences":[{"text":"Mhmm.","start":335.22,"end":335.54,"sentiment":"neutral","sentiment_score":-0.0884440690279007},{"text":"I'm gonna","start":335.54,"end":335.94,"sentiment":"neutral","sentiment_score":-0.11135001108050346}],"sentiment":"neutral","sentiment_score":-0.10371469706296921,"channel":1,"num_words":3,"start":335.22,"end":335.94},{"sentences":[{"text":"with","start":335.735,"end":335.975,"sentiment":"neutral","sentiment_score":-0.07355225086212158}],"sentiment":"neutral","sentiment_score":-0.07355225086212158,"channel":0,"num_words":1,"start":335.735,"end":335.975},{"sentences":[{"text":"go","start":335.94,"end":336.02,"sentiment":"neutral","sentiment_score":-0.06751123070716858}],"sentiment":"neutral","sentiment_score":-0.06751123070716858,"channel":1,"num_words":1,"start":335.94,"end":336.02},{"sentences":[{"text":"the","start":335.975,"end":336.135,"sentiment":"neutral","sentiment_score":-0.05718247592449188}],"sentiment":"neutral","sentiment_score":-0.05718247592449188,"channel":0,"num_words":1,"start":335.975,"end":336.135},{"sentences":[{"text":"over","start":336.02,"end":336.34,"sentiment":"neutral","sentiment_score":-0.048104286193847656}],"sentiment":"neutral","sentiment_score":-0.048104286193847656,"channel":1,"num_words":1,"start":336.02,"end":336.34},{"sentences":[{"text":"US,","start":336.135,"end":336.455,"sentiment":"neutral","sentiment_score":-0.08513112366199493}],"sentiment":"neutral","sentiment_score":-0.08513112366199493,"channel":0,"num_words":1,"start":336.135,"end":336.455},{"sentences":[{"text":"process","start":336.34,"end":336.74,"sentiment":"neutral","sentiment_score":-0.07033368200063705}],"sentiment":"neutral","sentiment_score":-0.07033368200063705,"channel":1,"num_words":1,"start":336.34,"end":336.74},{"sentences":[{"text":"Iran","start":336.455,"end":336.955,"sentiment":"neutral","sentiment_score":-0.11970382928848268}],"sentiment":"neutral","sentiment_score":-0.11970382928848268,"channel":0,"num_words":1,"start":336.455,"end":336.955},{"sentences":[{"text":"this.","start":336.74,"end":337.24,"sentiment":"neutral","sentiment_score":-0.11076977849006651}],"sentiment":"neutral","sentiment_score":-0.11076977849006651,"channel":1,"num_words":1,"start":336.74,"end":337.24},{"sentences":[{"text":"war.","start":337.01498,"end":337.51498,"sentiment":"neutral","sentiment_score":-0.10031268745660782},{"text":"Yeah.","start":337.735,"end":338.1,"sentiment":"neutral","sentiment_score":-0.074863500893116},{"text":"However, I can also see one of your investments underperforming a little bit in there as well.","start":339.30002,"end":343.94,"sentiment":"neutral","sentiment_score":-0.2574601138339323},{"text":"So you did have or do have been along Australian equities.","start":343.94,"end":347.24,"sentiment":"neutral","sentiment_score":-0.16087974337014285},{"text":"That one there is the only one that's sort of down and down because that investment hasn't been able to sorry.","start":347.7,"end":353.72498,"sentiment":"negative","sentiment_score":-0.38808211116563707}],"sentiment":"neutral","sentiment_score":-0.2837529340211083,"channel":0,"num_words":51,"start":337.01498,"end":353.72498},{"sentences":[{"text":"That investment is meant to be outperforming against the market, the idea of having an active manager in your portfolio.","start":353.72498,"end":359.26498,"sentiment":"neutral","sentiment_score":-0.2630671516060829},{"text":"They have not been able to do that, and they have, unfortunately, had a fewer underlying issues that I've been able to sort of evaluate there.","start":360.04498,"end":362.81833,"sentiment":"negative","sentiment_score":-0.4767267692547578},{"text":"So I would like to issues that I've been able to sort of evaluate there.","start":362.81833,"end":368.67667,"sentiment":"neutral","sentiment_score":-0.16593300998210908},{"text":"So I would like to, if you're comfortable, update the advice for you, remove","start":368.67667,"end":371.85,"sentiment":"neutral","sentiment_score":-0.0855329225638083}],"sentiment":"neutral","sentiment_score":-0.28456926797827087,"channel":0,"num_words":75,"start":353.72498,"end":371.85},{"sentences":[{"text":"Yeah.","start":371.67,"end":372.17,"sentiment":"neutral","sentiment_score":-0.11995914578437804}],"sentiment":"neutral","sentiment_score":-0.11995914578437804,"channel":1,"num_words":1,"start":371.67,"end":372.17},{"sentences":[{"text":"that investment, and look at putting something else in its place.","start":371.85,"end":374.52997,"sentiment":"neutral","sentiment_score":-0.17056283761154523},{"text":"I don't","start":374.52997,"end":374.97,"sentiment":"neutral","sentiment_score":-0.21763774007558823}],"sentiment":"neutral","sentiment_score":-0.17780513029832107,"channel":0,"num_words":13,"start":371.85,"end":374.97},{"sentences":[{"text":"Yeah.","start":374.905,"end":375.145,"sentiment":"neutral","sentiment_score":-0.18050560355186465}],"sentiment":"neutral","sentiment_score":-0.18050560355186465,"channel":1,"num_words":1,"start":374.905,"end":375.145},{"sentences":[{"text":"want","start":374.97,"end":375.21,"sentiment":"neutral","sentiment_score":-0.2218913733959198}],"sentiment":"neutral","sentiment_score":-0.2218913733959198,"channel":0,"num_words":1,"start":374.97,"end":375.21},{"sentences":[{"text":"That'd","start":375.145,"end":375.385,"sentiment":"neutral","sentiment_score":-0.30872946977615356}],"sentiment":"neutral","sentiment_score":-0.30872946977615356,"channel":1,"num_words":1,"start":375.145,"end":375.385},{"sentences":[{"text":"you to be","start":375.21,"end":375.53,"sentiment":"negative","sentiment_score":-0.3683464030424754}],"sentiment":"negative","sentiment_score":-0.3683464030424754,"channel":0,"num_words":3,"start":375.21,"end":375.53},{"sentences":[{"text":"be","start":375.385,"end":375.625,"sentiment":"negative","sentiment_score":-0.3670426309108734}],"sentiment":"negative","sentiment_score":-0.3670426309108734,"channel":1,"num_words":1,"start":375.385,"end":375.625},{"sentences":[{"text":"in anything","start":375.53,"end":375.93,"sentiment":"neutral","sentiment_score":-0.328763023018837}],"sentiment":"neutral","sentiment_score":-0.328763023018837,"channel":0,"num_words":2,"start":375.53,"end":375.93},{"sentences":[{"text":"great.","start":375.625,"end":376.125,"sentiment":"neutral","sentiment_score":-0.3294360637664795}],"sentiment":"neutral","sentiment_score":-0.3294360637664795,"channel":1,"num_words":1,"start":375.625,"end":376.125},{"sentences":[{"text":"underperforming.","start":375.93,"end":376.43,"sentiment":"negative","sentiment_score":-0.3500842750072479},{"text":"Yeah.","start":376.97,"end":377.47,"sentiment":"neutral","sentiment_score":-0.1085311472415924}],"sentiment":"neutral","sentiment_score":-0.22930771112442017,"channel":0,"num_words":2,"start":375.93,"end":377.47},{"sentences":[{"text":"Yeah.","start":377.70502,"end":377.945,"sentiment":"neutral","sentiment_score":-0.060350097715854645},{"text":"Something that's performing better.","start":377.945,"end":379.225,"sentiment":"neutral","sentiment_score":-0.0039727333933115005},{"text":"Definitely.","start":379.225,"end":379.725,"sentiment":"neutral","sentiment_score":0.18137304484844208}],"sentiment":"neutral","sentiment_score":0.01752200225989024,"channel":1,"num_words":6,"start":377.70502,"end":379.725},{"sentences":[{"text":"Absolutely.","start":380.45502,"end":380.95502,"sentiment":"neutral","sentiment_score":0.17595429718494415},{"text":"Now you're still really young.","start":381.33502,"end":383.015,"sentiment":"neutral","sentiment_score":-0.05600692182779312},{"text":"You've got a lot of time on your side here at the moment, so you can't actually access super till the age of 60.","start":383.015,"end":388.295,"sentiment":"neutral","sentiment_score":-0.03561605202654997},{"text":"Is that kind of your goal age still?","start":388.295,"end":390.21503,"sentiment":"neutral","sentiment_score":-0.0394766740500927},{"text":"Are you hoping to be able to retire as early as possible?","start":390.21503,"end":393.67502,"sentiment":"neutral","sentiment_score":-0.024520039247969787}],"sentiment":"neutral","sentiment_score":-0.031378388479351996,"channel":0,"num_words":50,"start":380.45502,"end":393.67502},{"sentences":[{"text":"Well, I think we all are.","start":394.09998,"end":395.71997,"sentiment":"neutral","sentiment_score":0.000376079231500625},{"text":"But,","start":396.65997,"end":396.9,"sentiment":"neutral","sentiment_score":0.007081996649503708}],"sentiment":"neutral","sentiment_score":0.001334067434072494,"channel":1,"num_words":7,"start":394.09998,"end":396.9},{"sentences":[{"text":"Yeah.","start":396.83,"end":396.99,"sentiment":"neutral","sentiment_score":0.07124734669923782}],"sentiment":"neutral","sentiment_score":0.07124734669923782,"channel":0,"num_words":1,"start":396.83,"end":396.99},{"sentences":[{"text":"yeah,","start":396.9,"end":397.13998,"sentiment":"neutral","sentiment_score":0.08112625032663345}],"sentiment":"neutral","sentiment_score":0.08112625032663345,"channel":1,"num_words":1,"start":396.9,"end":397.13998},{"sentences":[{"text":"Absolutely.","start":396.99,"end":397.49,"sentiment":"neutral","sentiment_score":0.12611094117164612}],"sentiment":"neutral","sentiment_score":0.12611094117164612,"channel":0,"num_words":1,"start":396.99,"end":397.49},{"sentences":[{"text":"where where where possible.","start":397.13998,"end":398.68,"sentiment":"neutral","sentiment_score":0.07763137109577656}],"sentiment":"neutral","sentiment_score":0.07763137109577656,"channel":1,"num_words":4,"start":397.13998,"end":398.68},{"sentences":[{"text":"Yeah.","start":399.38998,"end":399.63,"sentiment":"neutral","sentiment_score":0.1179068684577942},{"text":"Yeah.","start":399.63,"end":400.03,"sentiment":"neutral","sentiment_score":0.16488081216812134},{"text":"Absolutely.","start":400.03,"end":400.53,"sentiment":"neutral","sentiment_score":0.2269057035446167},{"text":"Just double checking your goal age there at the moment because, realistically, you've got more than ten years ahead of you.","start":400.59,"end":406.19,"sentiment":"neutral","sentiment_score":0.06793947690831763},{"text":"When you think about your super, are you wanting me to look at replacing Banda Long but keeping more of an active manager in your portfolio, or are you wanting to look at more of a a portfolio that's maybe low cost, a bit cheaper in investment fees, but still working harder than, you know, at the moment?","start":406.19,"end":422.535,"sentiment":"neutral","sentiment_score":0.009260471043144834}],"sentiment":"neutral","sentiment_score":0.030164996582287842,"channel":0,"num_words":82,"start":399.38998,"end":422.535},{"sentences":[{"text":"What are you sort of looking for in the way of a portfolio?","start":422.535,"end":424.795,"sentiment":"neutral","sentiment_score":-0.00847967964811967}],"sentiment":"neutral","sentiment_score":-0.00847967964811967,"channel":0,"num_words":13,"start":422.535,"end":424.795},{"sentences":[{"text":"No.","start":425.39,"end":425.89,"sentiment":"neutral","sentiment_score":-0.12097344547510148},{"text":"Honestly, just to be putting as much in there as possible.","start":426.03,"end":428.85,"sentiment":"neutral","sentiment_score":-0.11410355364734476},{"text":"So, yeah, look, whatever means needs to happen to to make that happen, I suppose,","start":431.215,"end":435.29498,"sentiment":"neutral","sentiment_score":-0.016637562960386276}],"sentiment":"neutral","sentiment_score":-0.060210221481544,"channel":1,"num_words":27,"start":425.39,"end":435.29498},{"sentences":[{"text":"Yeah.","start":434.93997,"end":435.43997,"sentiment":"neutral","sentiment_score":0.009090472012758257}],"sentiment":"neutral","sentiment_score":0.009090472012758257,"channel":0,"num_words":1,"start":434.93997,"end":435.43997},{"sentences":[{"text":"and what yeah.","start":435.29498,"end":436.095,"sentiment":"neutral","sentiment_score":0.01673362652460734}],"sentiment":"neutral","sentiment_score":0.01673362652460734,"channel":1,"num_words":3,"start":435.29498,"end":436.095},{"sentences":[{"text":"Yep.","start":435.81998,"end":436.31998,"sentiment":"neutral","sentiment_score":0.059720516204833984}],"sentiment":"neutral","sentiment_score":0.059720516204833984,"channel":0,"num_words":1,"start":435.81998,"end":436.31998},{"sentences":[{"text":"Anything that yeah.","start":436.095,"end":437.395,"sentiment":"neutral","sentiment_score":0.04343557978669802},{"text":"I can get","start":437.535,"end":438.095,"sentiment":"neutral","sentiment_score":0.040059695641199745}],"sentiment":"neutral","sentiment_score":0.04174763771394888,"channel":1,"num_words":6,"start":436.095,"end":438.095},{"sentences":[{"text":"Yeah.","start":437.9,"end":438.21997,"sentiment":"neutral","sentiment_score":0.032332226634025574}],"sentiment":"neutral","sentiment_score":0.032332226634025574,"channel":0,"num_words":1,"start":437.9,"end":438.21997},{"sentences":[{"text":"in there,","start":438.095,"end":438.41498,"sentiment":"neutral","sentiment_score":0.030331524088978767}],"sentiment":"neutral","sentiment_score":0.030331524088978767,"channel":1,"num_words":2,"start":438.095,"end":438.41498},{"sentences":[{"text":"That's","start":438.21997,"end":438.53998,"sentiment":"neutral","sentiment_score":0.0966576561331749}],"sentiment":"neutral","sentiment_score":0.0966576561331749,"channel":0,"num_words":1,"start":438.21997,"end":438.53998},{"sentences":[{"text":"I","start":438.41498,"end":438.57498,"sentiment":"neutral","sentiment_score":0.12010235339403152}],"sentiment":"neutral","sentiment_score":0.12010235339403152,"channel":1,"num_words":1,"start":438.41498,"end":438.57498},{"sentences":[{"text":"okay.","start":438.53998,"end":438.825,"sentiment":"neutral","sentiment_score":0.1437339037656784}],"sentiment":"neutral","sentiment_score":0.1437339037656784,"channel":0,"num_words":1,"start":438.53998,"end":438.825},{"sentences":[{"text":"will.","start":438.57498,"end":439.07498,"sentiment":"neutral","sentiment_score":0.12227659672498704}],"sentiment":"neutral","sentiment_score":0.12227659672498704,"channel":1,"num_words":1,"start":438.57498,"end":439.07498},{"sentences":[{"text":"Yeah.","start":439.46503,"end":439.785,"sentiment":"neutral","sentiment_score":0.1132538914680481},{"text":"That's okay.","start":439.785,"end":440.42502,"sentiment":"neutral","sentiment_score":0.1630467250943184},{"text":"So you'd be comfortable looking at more of a passively managed low cost portfolio to save on fees rather than having an active manager taking on more risk trying to outperform against the market.","start":440.42502,"end":450.58502,"sentiment":"neutral","sentiment_score":0.1683685301857836},{"text":"Would you say that's fairly comfortable,","start":450.58502,"end":452.105,"sentiment":"neutral","sentiment_score":0.11944714064399402}],"sentiment":"neutral","sentiment_score":0.1600130281822626,"channel":0,"num_words":43,"start":439.46503,"end":452.105},{"sentences":[{"text":"Yeah.","start":452.06,"end":452.56,"sentiment":"neutral","sentiment_score":0.03960103914141655}],"sentiment":"neutral","sentiment_score":0.03960103914141655,"channel":1,"num_words":1,"start":452.06,"end":452.56},{"sentences":[{"text":"or would you prefer the other way around?","start":452.105,"end":453.98,"sentiment":"neutral","sentiment_score":0.00873105926439166}],"sentiment":"neutral","sentiment_score":0.00873105926439166,"channel":0,"num_words":8,"start":452.105,"end":453.98},{"sentences":[{"text":"No.","start":453.66,"end":453.9,"sentiment":"neutral","sentiment_score":-0.012364287860691547},{"text":"Probably","start":453.9,"end":454.30002,"sentiment":"neutral","sentiment_score":-0.005109491758048534}],"sentiment":"neutral","sentiment_score":-0.008736889809370041,"channel":1,"num_words":2,"start":453.66,"end":454.30002},{"sentences":[{"text":"Yeah.","start":454.04,"end":454.36,"sentiment":"neutral","sentiment_score":0.00806992407888174}],"sentiment":"neutral","sentiment_score":0.00806992407888174,"channel":0,"num_words":1,"start":454.04,"end":454.36},{"sentences":[{"text":"the","start":454.30002,"end":454.38,"sentiment":"neutral","sentiment_score":0.005706895142793655}],"sentiment":"neutral","sentiment_score":0.005706895142793655,"channel":1,"num_words":1,"start":454.30002,"end":454.38},{"sentences":[{"text":"Yeah.","start":454.36,"end":454.86,"sentiment":"neutral","sentiment_score":0.01728248782455921}],"sentiment":"neutral","sentiment_score":0.01728248782455921,"channel":0,"num_words":1,"start":454.36,"end":454.86},{"sentences":[{"text":"passenger.","start":454.38,"end":454.86002,"sentiment":"neutral","sentiment_score":0.021725405007600784},{"text":"Yep.","start":454.86002,"end":455.115,"sentiment":"neutral","sentiment_score":0.09745072573423386}],"sentiment":"neutral","sentiment_score":0.05958806537091732,"channel":1,"num_words":2,"start":454.38,"end":455.115},{"sentences":[{"text":"Yeah.","start":455.8,"end":456.2,"sentiment":"neutral","sentiment_score":0.1887082606554031},{"text":"Beautiful.","start":456.2,"end":456.7,"sentiment":"positive","sentiment_score":0.4889771342277527},{"text":"And look.","start":456.84,"end":457.24,"sentiment":"neutral","sentiment_score":0.3124347925186157},{"text":"Lower cost fees means more money stays in your portfolio working harder for you, so that's never a bad thing.","start":457.24,"end":462.52,"sentiment":"neutral","sentiment_score":0.2596899665892124},{"text":"And I've got a couple of options I can look to replace that for you.","start":462.52,"end":465.96,"sentiment":"neutral","sentiment_score":0.1390220706661542}],"sentiment":"neutral","sentiment_score":0.22004321465889612,"channel":0,"num_words":39,"start":455.8,"end":465.96},{"sentences":[{"text":"Fantastic.","start":465.96,"end":466.46,"sentiment":"positive","sentiment_score":0.5038843154907227}],"sentiment":"positive","sentiment_score":0.5038843154907227,"channel":0,"num_words":1,"start":465.96,"end":466.46},{"sentences":[{"text":"Uh-huh.","start":466.395,"end":466.895,"sentiment":"neutral","sentiment_score":0.23235340416431427}],"sentiment":"neutral","sentiment_score":0.23235340416431427,"channel":1,"num_words":1,"start":466.395,"end":466.895},{"sentences":[{"text":"Otherwise, everything else in your portfolio has been performing very nicely there.","start":467.83502,"end":471.99503,"sentiment":"positive","sentiment_score":0.4841085647543271},{"text":"Your gold, especially, is up by over 14.18% for the that's good to see.","start":471.99503,"end":477.05502,"sentiment":"positive","sentiment_score":0.41180479313646046},{"text":"The S and P 500 is up over 12% individually there, And we've also got bank hybrids.","start":477.355,"end":482.88,"sentiment":"neutral","sentiment_score":0.21295280842220082},{"text":"So those are more of a more of a, sorry, defensive investments and lower risk.","start":482.88,"end":487.76,"sentiment":"neutral","sentiment_score":0.1208998680114746},{"text":"So they are looking to phase those out over the next couple of years.","start":487.76,"end":491.44,"sentiment":"neutral","sentiment_score":0.09706449987632888}],"sentiment":"neutral","sentiment_score":0.25509956448028487,"channel":0,"num_words":72,"start":467.83502,"end":491.44},{"sentences":[{"text":"So I'll probably look to maybe readjust a few other options in the portfolio if you're comfortable","start":491.44,"end":496.59497,"sentiment":"neutral","sentiment_score":0.05387297031633994}],"sentiment":"neutral","sentiment_score":0.05387297031633994,"channel":0,"num_words":17,"start":491.44,"end":496.59497},{"sentences":[{"text":"Yeah.","start":496.97,"end":497.29,"sentiment":"neutral","sentiment_score":0.08552932739257812}],"sentiment":"neutral","sentiment_score":0.08552932739257812,"channel":1,"num_words":1,"start":496.97,"end":497.29},{"sentences":[{"text":"just","start":497.055,"end":497.375,"sentiment":"neutral","sentiment_score":0.07527665793895721}],"sentiment":"neutral","sentiment_score":0.07527665793895721,"channel":0,"num_words":1,"start":497.055,"end":497.375},{"sentences":[{"text":"Definitely.","start":497.29,"end":497.79,"sentiment":"neutral","sentiment_score":0.10603680461645126}],"sentiment":"neutral","sentiment_score":0.10603680461645126,"channel":1,"num_words":1,"start":497.29,"end":497.79},{"sentences":[{"text":"removing some investments and maybe looking at something that's maybe had a greater past performance and give you this you know, can, you know, provide greater future performance and sort of help to put you in a better position over the next five to ten years.","start":497.375,"end":509.49002,"sentiment":"neutral","sentiment_score":0.15317503257614115},{"text":"Are you comfortable with me updating everything","start":509.49002,"end":511.49002,"sentiment":"neutral","sentiment_score":0.0413100714130061}],"sentiment":"neutral","sentiment_score":0.13840041506402898,"channel":0,"num_words":53,"start":497.375,"end":511.49002},{"sentences":[{"text":"Yeah.","start":511.17502,"end":511.495,"sentiment":"neutral","sentiment_score":0.07898759841918945}],"sentiment":"neutral","sentiment_score":0.07898759841918945,"channel":1,"num_words":1,"start":511.17502,"end":511.495},{"sentences":[{"text":"and","start":511.49002,"end":511.81,"sentiment":"neutral","sentiment_score":0.09469886124134064}],"sentiment":"neutral","sentiment_score":0.09469886124134064,"channel":0,"num_words":1,"start":511.49002,"end":511.81},{"sentences":[{"text":"Definitely.","start":511.495,"end":511.995,"sentiment":"neutral","sentiment_score":0.10564150661230089}],"sentiment":"neutral","sentiment_score":0.10564150661230089,"channel":1,"num_words":1,"start":511.495,"end":511.995},{"sentences":[{"text":"looking at it all?","start":511.81,"end":512.85004,"sentiment":"neutral","sentiment_score":0.08867191523313522},{"text":"Yeah.","start":512.85004,"end":513.35004,"sentiment":"neutral","sentiment_score":0.09158496558666228}],"sentiment":"neutral","sentiment_score":0.08925452530384063,"channel":0,"num_words":5,"start":511.81,"end":513.35004},{"sentences":[{"text":"Yes, please.","start":513.255,"end":513.895,"sentiment":"neutral","sentiment_score":0.13760724663734436},{"text":"Yep.","start":513.895,"end":514.395,"sentiment":"neutral","sentiment_score":0.2251053899526596}],"sentiment":"neutral","sentiment_score":0.16677329440911612,"channel":1,"num_words":3,"start":513.255,"end":514.395},{"sentences":[{"text":"Excellent.","start":514.69,"end":515.17,"sentiment":"positive","sentiment_score":0.3360983729362488},{"text":"All good.","start":515.17,"end":515.57,"sentiment":"positive","sentiment_score":0.5907957851886749},{"text":"I had a really good look at things before the call, and I was like, we can definitely do some advice, but just wanna make sure you're comfortable with that as well.","start":515.57,"end":521.57,"sentiment":"positive","sentiment_score":0.3940516319125891},{"text":"If you ever","start":521.57,"end":522.21,"sentiment":"neutral","sentiment_score":-0.01716373177866141}],"sentiment":"positive","sentiment_score":0.37041713076790694,"channel":0,"num_words":38,"start":514.69,"end":522.21},{"sentences":[{"text":"Yeah.","start":522.055,"end":522.555,"sentiment":"neutral","sentiment_score":-0.04412699490785599}],"sentiment":"neutral","sentiment_score":-0.04412699490785599,"channel":1,"num_words":1,"start":522.055,"end":522.555},{"sentences":[{"text":"decide you don't want to, you're welcome to come back and say, no.","start":522.21,"end":524.905,"sentiment":"neutral","sentiment_score":-0.1564523812669974},{"text":"Don't do it.","start":524.905,"end":525.625,"sentiment":"neutral","sentiment_score":-0.17238988478978476},{"text":"Okay?","start":525.625,"end":526.125,"sentiment":"neutral","sentiment_score":-0.0013734884560108185}],"sentiment":"neutral","sentiment_score":-0.1501425940762548,"channel":0,"num_words":17,"start":522.21,"end":526.125},{"sentences":[{"text":"No.","start":526.28,"end":526.60004,"sentiment":"neutral","sentiment_score":-0.09761089086532591},{"text":"That's fine.","start":526.60004,"end":527.42004,"sentiment":"neutral","sentiment_score":0.09515231847763062}],"sentiment":"neutral","sentiment_score":0.03089791536331177,"channel":1,"num_words":3,"start":526.28,"end":527.42004},{"sentences":[{"text":"Excellent.","start":527.945,"end":528.445,"sentiment":"positive","sentiment_score":0.5671046376228333},{"text":"All good.","start":528.585,"end":529.325,"sentiment":"positive","sentiment_score":0.5148250758647919},{"text":"Now the other thing I just wanted to sort of chat about was last year, we did provide some updated advice around the insurance aspect there.","start":529.465,"end":536.10504,"sentiment":"neutral","sentiment_score":0.051508328734109037},{"text":"Because inside your Hub twenty four super fund, sorry, host plus super funds.","start":536.10504,"end":540.96,"sentiment":"neutral","sentiment_score":-0.001959573907347826},{"text":"My apologies.","start":540.96,"end":541.62006,"sentiment":"neutral","sentiment_score":-0.12838077917695045}],"sentiment":"neutral","sentiment_score":0.06031216630204157,"channel":0,"num_words":44,"start":527.945,"end":541.62006},{"sentences":[{"text":"Your life and TPD cover, you're currently covered for based on the last research, a 193,832 of life and total permanent disability cover.","start":542.24005,"end":552.82,"sentiment":"neutral","sentiment_score":-0.017717808161092842},{"text":"I know in the last advice document last year, we were looking to increase and get more retail cover for you and cover you for about 1,100,000 of life and TBD.","start":553.295,"end":563.15497,"sentiment":"neutral","sentiment_score":0.004093863250267121},{"text":"Are you still wanting to maybe look at re adjusting and looking at new cover, or are you happy with the amount of cover you have in host plus?","start":563.535,"end":571.0,"sentiment":"neutral","sentiment_score":-0.022266089241823245},{"text":"What's your thought?","start":571.0,"end":571.98,"sentiment":"neutral","sentiment_score":-0.009519643771151701}],"sentiment":"neutral","sentiment_score":-0.011103201700850975,"channel":0,"num_words":86,"start":542.24005,"end":571.98},{"sentences":[{"text":"Honestly, I'm pretty happy at the moment.","start":571.605,"end":573.165,"sentiment":"neutral","sentiment_score":0.2926907390356064},{"text":"I yeah.","start":573.165,"end":573.765,"sentiment":"neutral","sentiment_score":-0.06316111236810684},{"text":"I don't wanna sort of push","start":573.765,"end":574.805,"sentiment":"negative","sentiment_score":-0.3595343232154846}],"sentiment":"neutral","sentiment_score":-0.015646199385325115,"channel":1,"num_words":15,"start":571.605,"end":574.805},{"sentences":[{"text":"Yep.","start":574.76,"end":575.26,"sentiment":"negative","sentiment_score":-0.349351167678833}],"sentiment":"negative","sentiment_score":-0.349351167678833,"channel":0,"num_words":1,"start":574.76,"end":575.26},{"sentences":[{"text":"too hard at this stage.","start":574.805,"end":575.76,"sentiment":"negative","sentiment_score":-0.3679689645767212}],"sentiment":"negative","sentiment_score":-0.3679689645767212,"channel":1,"num_words":5,"start":574.805,"end":575.76},{"sentences":[{"text":"That's okay.","start":576.36,"end":577.16003,"sentiment":"neutral","sentiment_score":-0.04997554421424866},{"text":"Did you want me to maybe look at whether we can just keep the level of cover you have in host plus and maybe transfer that into","start":577.16003,"end":583.915,"sentiment":"neutral","sentiment_score":-0.015237128844967595}],"sentiment":"neutral","sentiment_score":-0.017632881629055942,"channel":0,"num_words":29,"start":576.36,"end":583.915},{"sentences":[{"text":"Yep.","start":583.84,"end":584.34,"sentiment":"neutral","sentiment_score":-0.0005834102630615234}],"sentiment":"neutral","sentiment_score":-0.0005834102630615234,"channel":1,"num_words":1,"start":583.84,"end":584.34},{"sentences":[{"text":"hub 24.","start":583.915,"end":584.795,"sentiment":"neutral","sentiment_score":-0.006502117961645126},{"text":"So you can still move everything out of host plus into hub 24 and only have one super fund rather than the two,","start":584.795,"end":591.935,"sentiment":"neutral","sentiment_score":-0.0025406912293123164}],"sentiment":"neutral","sentiment_score":-0.002857605367898941,"channel":0,"num_words":25,"start":583.915,"end":591.935},{"sentences":[{"text":"Yeah.","start":591.455,"end":591.955,"sentiment":"neutral","sentiment_score":-0.016590844839811325}],"sentiment":"neutral","sentiment_score":-0.016590844839811325,"channel":1,"num_words":1,"start":591.455,"end":591.955},{"sentences":[{"text":"but","start":592.15497,"end":592.395,"sentiment":"neutral","sentiment_score":-0.01615167409181595}],"sentiment":"neutral","sentiment_score":-0.01615167409181595,"channel":0,"num_words":1,"start":592.15497,"end":592.395},{"sentences":[{"text":"That's","start":592.175,"end":592.41504,"sentiment":"neutral","sentiment_score":-0.03654254227876663}],"sentiment":"neutral","sentiment_score":-0.03654254227876663,"channel":1,"num_words":1,"start":592.175,"end":592.41504},{"sentences":[{"text":"still","start":592.395,"end":592.635,"sentiment":"neutral","sentiment_score":-0.04304100200533867}],"sentiment":"neutral","sentiment_score":-0.04304100200533867,"channel":0,"num_words":1,"start":592.395,"end":592.635},{"sentences":[{"text":"our","start":592.41504,"end":592.655,"sentiment":"neutral","sentiment_score":-0.05150211229920387}],"sentiment":"neutral","sentiment_score":-0.05150211229920387,"channel":1,"num_words":1,"start":592.41504,"end":592.655},{"sentences":[{"text":"just","start":592.635,"end":592.875,"sentiment":"neutral","sentiment_score":-0.03535427525639534}],"sentiment":"neutral","sentiment_score":-0.03535427525639534,"channel":0,"num_words":1,"start":592.635,"end":592.875},{"sentences":[{"text":"deal.","start":592.655,"end":593.155,"sentiment":"neutral","sentiment_score":-0.04506955295801163}],"sentiment":"neutral","sentiment_score":-0.04506955295801163,"channel":1,"num_words":1,"start":592.655,"end":593.155},{"sentences":[{"text":"retain that cheap life and TPD cover you have.","start":592.875,"end":595.62,"sentiment":"neutral","sentiment_score":0.012757085263729095},{"text":"Is that preferred?","start":595.62,"end":596.68,"sentiment":"neutral","sentiment_score":0.018336109817028046}],"sentiment":"neutral","sentiment_score":0.014151841402053833,"channel":0,"num_words":12,"start":592.875,"end":596.68},{"sentences":[{"text":"Perfect.","start":596.655,"end":597.155,"sentiment":"neutral","sentiment_score":0.32345902919769287}],"sentiment":"neutral","sentiment_score":0.32345902919769287,"channel":1,"num_words":1,"start":596.655,"end":597.155},{"sentences":[{"text":"Yeah.","start":597.78,"end":598.18,"sentiment":"neutral","sentiment_score":0.2134592831134796},{"text":"Beautiful.","start":598.18,"end":598.68,"sentiment":"positive","sentiment_score":0.44012272357940674},{"text":"I'm just I do have your pre assessment we did up last year as well.","start":598.9,"end":602.58,"sentiment":"neutral","sentiment_score":0.22370817363262177},{"text":"So just kinda going through.","start":602.58,"end":604.44,"sentiment":"neutral","sentiment_score":0.2101682811975479},{"text":"It honestly looks fine.","start":605.14,"end":606.58,"sentiment":"neutral","sentiment_score":0.29575803875923157}],"sentiment":"neutral","sentiment_score":0.2401183912387261,"channel":0,"num_words":26,"start":597.78,"end":606.58},{"sentences":[{"text":"Can I just run through these couple of questions again for you just to sort of confirm eligibility just to make sure there's no changes there?","start":606.58,"end":613.315,"sentiment":"neutral","sentiment_score":0.08815974434121297}],"sentiment":"neutral","sentiment_score":0.08815974434121297,"channel":0,"num_words":26,"start":606.58,"end":613.315},{"sentences":[{"text":"Yeah.","start":613.15,"end":613.47003,"sentiment":"neutral","sentiment_score":-0.01618059352040291},{"text":"Go.","start":613.47003,"end":613.97003,"sentiment":"neutral","sentiment_score":-0.02108408510684967}],"sentiment":"neutral","sentiment_score":-0.01863233931362629,"channel":1,"num_words":2,"start":613.15,"end":613.97003},{"sentences":[{"text":"Are you currently off work or unable to perform your duties on a normal full time basis","start":614.415,"end":618.89496,"sentiment":"neutral","sentiment_score":-0.08156351175378351}],"sentiment":"neutral","sentiment_score":-0.08156351175378351,"channel":0,"num_words":17,"start":614.415,"end":618.89496},{"sentences":[{"text":"No.","start":618.75,"end":619.125,"sentiment":"neutral","sentiment_score":-0.10285405814647676}],"sentiment":"neutral","sentiment_score":-0.10285405814647676,"channel":1,"num_words":1,"start":618.75,"end":619.125},{"sentences":[{"text":"at all?","start":618.89496,"end":619.555,"sentiment":"neutral","sentiment_score":-0.0955909788608551},{"text":"Nope.","start":619.77496,"end":620.27496,"sentiment":"neutral","sentiment_score":-0.1070246547460556},{"text":"Have you in the last twelve months been absent from work or unable to perform your normal occupational duties?","start":620.89496,"end":626.52,"sentiment":"neutral","sentiment_score":-0.1241192868665645}],"sentiment":"neutral","sentiment_score":-0.12074877558784052,"channel":0,"num_words":22,"start":618.89496,"end":626.52},{"sentences":[{"text":"No.","start":626.725,"end":627.225,"sentiment":"neutral","sentiment_score":-0.15840983390808103}],"sentiment":"neutral","sentiment_score":-0.15840983390808103,"channel":1,"num_words":1,"start":626.725,"end":627.225},{"sentences":[{"text":"No.","start":627.86,"end":628.18,"sentiment":"neutral","sentiment_score":-0.07387883216142654},{"text":"You haven't been off work for more than six days","start":628.18,"end":630.6,"sentiment":"neutral","sentiment_score":-0.08756400682032109}],"sentiment":"neutral","sentiment_score":-0.08631990003314885,"channel":0,"num_words":11,"start":627.86,"end":630.6},{"sentences":[{"text":"No.","start":630.965,"end":631.125,"sentiment":"neutral","sentiment_score":-0.14800110459327698},{"text":"No.","start":631.125,"end":631.625,"sentiment":"neutral","sentiment_score":-0.17339655756950378}],"sentiment":"neutral","sentiment_score":-0.16069883108139038,"channel":1,"num_words":2,"start":630.965,"end":631.625},{"sentences":[{"text":"other than having a cold or flu?","start":631.22,"end":632.82,"sentiment":"neutral","sentiment_score":-0.18469034135341644},{"text":"No.","start":632.82,"end":633.22,"sentiment":"neutral","sentiment_score":-0.15215149521827698},{"text":"All good.","start":633.22,"end":633.96,"sentiment":"neutral","sentiment_score":0.0044072531163692474}],"sentiment":"neutral","sentiment_score":-0.14361693784594537,"channel":0,"num_words":10,"start":631.22,"end":633.96},{"sentences":[{"text":"No.","start":633.51996,"end":633.76,"sentiment":"neutral","sentiment_score":-0.07586733996868134},{"text":"Not even that.","start":633.76,"end":634.39996,"sentiment":"neutral","sentiment_score":-0.1021555985013644},{"text":"So I've been good.","start":634.39996,"end":635.3,"sentiment":"neutral","sentiment_score":0.11993322893977165}],"sentiment":"neutral","sentiment_score":0.012174847535789013,"channel":1,"num_words":8,"start":633.51996,"end":635.3},{"sentences":[{"text":"Oh, fantastic.","start":635.86,"end":636.68,"sentiment":"positive","sentiment_score":0.4343184679746628}],"sentiment":"positive","sentiment_score":0.4343184679746628,"channel":0,"num_words":2,"start":635.86,"end":636.68},{"sentences":[{"text":"Touch wood, it stays","start":636.64,"end":637.51996,"sentiment":"neutral","sentiment_score":0.07670578546822071}],"sentiment":"neutral","sentiment_score":0.07670578546822071,"channel":1,"num_words":4,"start":636.64,"end":637.51996},{"sentences":[{"text":"Have","start":637.38,"end":637.62,"sentiment":"neutral","sentiment_score":0.08303429186344147}],"sentiment":"neutral","sentiment_score":0.08303429186344147,"channel":0,"num_words":1,"start":637.38,"end":637.62},{"sentences":[{"text":"that","start":637.51996,"end":637.68,"sentiment":"neutral","sentiment_score":0.028230488300323486}],"sentiment":"neutral","sentiment_score":0.028230488300323486,"channel":1,"num_words":1,"start":637.51996,"end":637.68},{"sentences":[{"text":"you","start":637.62,"end":637.905,"sentiment":"neutral","sentiment_score":0.03580798953771591}],"sentiment":"neutral","sentiment_score":0.03580798953771591,"channel":0,"num_words":1,"start":637.62,"end":637.905},{"sentences":[{"text":"way.","start":637.68,"end":638.18,"sentiment":"neutral","sentiment_score":0.021741753444075584}],"sentiment":"neutral","sentiment_score":0.021741753444075584,"channel":1,"num_words":1,"start":637.68,"end":638.18},{"sentences":[{"text":"have you ever been diagnosed with or do you suffer from an illness that may cause permanent inability to go to work on a normal","start":639.505,"end":646.065,"sentiment":"neutral","sentiment_score":-0.05599149607121944}],"sentiment":"neutral","sentiment_score":-0.05599149607121944,"channel":0,"num_words":25,"start":639.505,"end":646.065},{"sentences":[{"text":"No.","start":646.0,"end":646.335,"sentiment":"neutral","sentiment_score":-0.08559887111186981}],"sentiment":"neutral","sentiment_score":-0.08559887111186981,"channel":1,"num_words":1,"start":646.0,"end":646.335},{"sentences":[{"text":"full time basis?","start":646.065,"end":647.04504,"sentiment":"neutral","sentiment_score":-0.07036298265059789},{"text":"Nope.","start":647.10504,"end":647.60504,"sentiment":"neutral","sentiment_score":-0.0860525369644165},{"text":"Have you ever had an insurance application for death, PPD, total permanent disability, income protection, sickness, or accident refuse?","start":647.825,"end":655.66,"sentiment":"neutral","sentiment_score":-0.07001816285283942}],"sentiment":"neutral","sentiment_score":-0.07076028604870258,"channel":0,"num_words":23,"start":646.065,"end":655.66},{"sentences":[{"text":"No.","start":656.17505,"end":656.67505,"sentiment":"neutral","sentiment_score":-0.08534562587738037}],"sentiment":"neutral","sentiment_score":-0.08534562587738037,"channel":1,"num_words":1,"start":656.17505,"end":656.67505},{"sentences":[{"text":"Nope.","start":657.24,"end":657.72,"sentiment":"neutral","sentiment_score":-0.06731362640857697},{"text":"Have you ever been paid, or are you eligible pay to be paid for any type of claim that's government benefits, worth of compensation, or any insurance claim?","start":657.72,"end":666.7,"sentiment":"neutral","sentiment_score":-0.059647737736148496}],"sentiment":"neutral","sentiment_score":-0.05991207872485292,"channel":0,"num_words":29,"start":657.24,"end":666.7},{"sentences":[{"text":"No.","start":666.66,"end":667.16,"sentiment":"neutral","sentiment_score":-0.08959934860467911}],"sentiment":"neutral","sentiment_score":-0.08959934860467911,"channel":1,"num_words":1,"start":666.66,"end":667.16},{"sentences":[{"text":"Nope.","start":667.48,"end":667.98,"sentiment":"neutral","sentiment_score":-0.08224865794181824},{"text":"And have you ever had insurance application for death, death and TPD, term illness or income protection offered on a modified or not offered on nonstandard terms?","start":668.21497,"end":678.395,"sentiment":"neutral","sentiment_score":-0.08737971647470086},{"text":"Nope.","start":679.65497,"end":680.055,"sentiment":"neutral","sentiment_score":-0.003694038838148117},{"text":"Perfect.","start":680.055,"end":680.535,"sentiment":"neutral","sentiment_score":0.17655974626541138},{"text":"Excellent.","start":680.535,"end":681.035,"sentiment":"neutral","sentiment_score":0.22573456168174744}],"sentiment":"neutral","sentiment_score":-0.06590002366612034,"channel":0,"num_words":31,"start":667.48,"end":681.035},{"sentences":[{"text":"So based on this, the pre assessment there, it looks like eligibility.","start":681.095,"end":684.79,"sentiment":"neutral","sentiment_score":0.09342647592226665},{"text":"So what I'll do is","start":684.85,"end":685.57,"sentiment":"neutral","sentiment_score":0.032194895297288896}],"sentiment":"neutral","sentiment_score":0.07541718750315554,"channel":0,"num_words":17,"start":681.095,"end":685.57},{"sentences":[{"text":"No.","start":685.515,"end":686.015,"sentiment":"neutral","sentiment_score":-0.06514906883239746}],"sentiment":"neutral","sentiment_score":-0.06514906883239746,"channel":1,"num_words":1,"start":685.515,"end":686.015},{"sentences":[{"text":"I'll just go back and complete the research there for you.","start":685.57,"end":688.55,"sentiment":"neutral","sentiment_score":0.006089932539246299},{"text":"I'll update the advice document to reflect some changes to your super fund with the recommended investments, look at how that's gonna can help you moving forward, and let's also","start":689.25,"end":699.205,"sentiment":"neutral","sentiment_score":0.13763839428623517}],"sentiment":"neutral","sentiment_score":0.10234490454923816,"channel":0,"num_words":41,"start":685.57,"end":699.205},{"sentences":[{"text":"Mhmm.","start":698.88995,"end":699.38995,"sentiment":"neutral","sentiment_score":0.02578037232160568}],"sentiment":"neutral","sentiment_score":0.02578037232160568,"channel":1,"num_words":1,"start":698.88995,"end":699.38995},{"sentences":[{"text":"look at maybe moving that cover over, keeping the life and TPD exactly as it is, and just trying to consolidate everything into one fund to make it easier for you.","start":699.205,"end":708.34,"sentiment":"neutral","sentiment_score":0.09020065444131051},{"text":"Does that sound okay?","start":708.34,"end":709.64,"sentiment":"neutral","sentiment_score":0.07480612397193909}],"sentiment":"neutral","sentiment_score":0.0884412795305252,"channel":0,"num_words":35,"start":699.205,"end":709.64},{"sentences":[{"text":"Sounds great.","start":709.955,"end":710.77496,"sentiment":"positive","sentiment_score":0.3815158009529114}],"sentiment":"positive","sentiment_score":0.3815158009529114,"channel":1,"num_words":2,"start":709.955,"end":710.77496},{"sentences":[{"text":"Fantastic.","start":711.3,"end":711.8,"sentiment":"positive","sentiment_score":0.509253740310669},{"text":"Excellent.","start":712.18,"end":712.68,"sentiment":"positive","sentiment_score":0.5272306203842163},{"text":"Nice and easy.","start":712.98004,"end":713.96,"sentiment":"positive","sentiment_score":0.579723576704661}],"sentiment":"positive","sentiment_score":0.5551310181617737,"channel":0,"num_words":5,"start":711.3,"end":713.96},{"sentences":[{"text":"Yep.","start":714.27496,"end":714.77496,"sentiment":"neutral","sentiment_score":0.12416474521160126}],"sentiment":"neutral","sentiment_score":0.12416474521160126,"channel":1,"num_words":1,"start":714.27496,"end":714.77496},{"sentences":[{"text":"Now we did originally also look at, like, income protection.","start":714.5,"end":717.96,"sentiment":"neutral","sentiment_score":-0.006719911843538285},{"text":"You don't have any income protection or trauma covered.","start":718.10004,"end":720.66003,"sentiment":"neutral","sentiment_score":-0.052111772199471794},{"text":"Do you remember going through those with me last year and chatting a bit more detail about them?","start":720.66003,"end":725.605,"sentiment":"neutral","sentiment_score":-0.009038820241888365}],"sentiment":"neutral","sentiment_score":-0.018889292772557284,"channel":0,"num_words":37,"start":714.5,"end":725.605},{"sentences":[{"text":"Yeah.","start":725.85004,"end":726.17004,"sentiment":"neutral","sentiment_score":-0.0049671875312924385},{"text":"But yeah.","start":726.17004,"end":726.57,"sentiment":"neutral","sentiment_score":-0.004632606171071529},{"text":"Look at this page.","start":726.57,"end":727.37006,"sentiment":"neutral","sentiment_score":0.012145759537816048},{"text":"I've just let that sort of slide.","start":727.37006,"end":729.15,"sentiment":"neutral","sentiment_score":0.022711942504559244}],"sentiment":"neutral","sentiment_score":0.013809588272124529,"channel":1,"num_words":14,"start":725.85004,"end":729.15},{"sentences":[{"text":"Yeah.","start":729.58496,"end":729.825,"sentiment":"neutral","sentiment_score":0.11485645920038225},{"text":"That's absolutely fine.","start":729.825,"end":730.865,"sentiment":"neutral","sentiment_score":0.27431975801785785},{"text":"It's not a problem at all.","start":730.865,"end":732.325,"sentiment":"neutral","sentiment_score":0.2258265515168508},{"text":"If there any point you change your mind, just come back and let me know.","start":732.385,"end":735.445,"sentiment":"neutral","sentiment_score":0.05289021631081899},{"text":"Because income protection does sort of cover that a percentage of your income if you're unable to go to work.","start":736.65,"end":742.81,"sentiment":"neutral","sentiment_score":0.002601756155490875}],"sentiment":"neutral","sentiment_score":0.06973696466949252,"channel":0,"num_words":45,"start":729.58496,"end":742.81},{"sentences":[{"text":"So not having it.","start":742.81,"end":743.61,"sentiment":"neutral","sentiment_score":0.003955600783228874},{"text":"It's just about making sure you've got something to fall back on.","start":743.61,"end":746.51,"sentiment":"neutral","sentiment_score":0.07451695731530587}],"sentiment":"neutral","sentiment_score":0.05687661818228662,"channel":0,"num_words":16,"start":742.81,"end":746.51},{"sentences":[{"text":"Yeah.","start":746.2,"end":746.7,"sentiment":"neutral","sentiment_score":0.0029064109548926353}],"sentiment":"neutral","sentiment_score":0.0029064109548926353,"channel":1,"num_words":1,"start":746.2,"end":746.7},{"sentences":[{"text":"Do you have much in the way of savings, or how's","start":746.81,"end":749.865,"sentiment":"neutral","sentiment_score":-0.00218589038757438}],"sentiment":"neutral","sentiment_score":-0.00218589038757438,"channel":0,"num_words":11,"start":746.81,"end":749.865},{"sentences":[{"text":"Nope.","start":749.64,"end":750.14,"sentiment":"neutral","sentiment_score":-0.08317822217941284}],"sentiment":"neutral","sentiment_score":-0.08317822217941284,"channel":1,"num_words":1,"start":749.64,"end":750.14},{"sentences":[{"text":"your expenditure look like?","start":749.865,"end":751.385,"sentiment":"neutral","sentiment_score":-0.0654184278100729}],"sentiment":"neutral","sentiment_score":-0.0654184278100729,"channel":0,"num_words":4,"start":749.865,"end":751.385},{"sentences":[{"text":"Not","start":751.24,"end":751.48,"sentiment":"neutral","sentiment_score":-0.08232272416353226}],"sentiment":"neutral","sentiment_score":-0.08232272416353226,"channel":1,"num_words":1,"start":751.24,"end":751.48},{"sentences":[{"text":"No.","start":751.385,"end":751.885,"sentiment":"neutral","sentiment_score":-0.09423999488353728}],"sentiment":"neutral","sentiment_score":-0.09423999488353728,"channel":0,"num_words":1,"start":751.385,"end":751.885},{"sentences":[{"text":"anymore.","start":751.48,"end":751.98,"sentiment":"neutral","sentiment_score":-0.08354438841342926}],"sentiment":"neutral","sentiment_score":-0.08354438841342926,"channel":1,"num_words":1,"start":751.48,"end":751.98},{"sentences":[{"text":"No.","start":753.225,"end":753.725,"sentiment":"neutral","sentiment_score":-0.0964907556772232},{"text":"It's all going on the mortgage.","start":753.785,"end":755.405,"sentiment":"neutral","sentiment_score":-0.05665028281509876}],"sentiment":"neutral","sentiment_score":-0.062341778938259394,"channel":0,"num_words":7,"start":753.225,"end":755.405},{"sentences":[{"text":"Yeah.","start":755.56,"end":755.88,"sentiment":"neutral","sentiment_score":0.05149993672966957},{"text":"Pretty much.","start":755.88,"end":756.62,"sentiment":"neutral","sentiment_score":0.09976094588637352}],"sentiment":"neutral","sentiment_score":0.08367394283413887,"channel":1,"num_words":3,"start":755.56,"end":756.62},{"sentences":[{"text":"Yep.","start":757.145,"end":757.465,"sentiment":"neutral","sentiment_score":0.13157273828983307},{"text":"That's okay.","start":757.465,"end":758.185,"sentiment":"neutral","sentiment_score":0.23541659116744995},{"text":"And you're comfortable with just, like, where everything is sitting?","start":758.185,"end":760.985,"sentiment":"neutral","sentiment_score":0.1541500374674797},{"text":"Just we'll focus on life and TPD and look at income protection and possibly trauma and things like that down the track for you.","start":760.985,"end":767.04,"sentiment":"neutral","sentiment_score":0.11865027900785208}],"sentiment":"neutral","sentiment_score":0.13490575652670217,"channel":0,"num_words":37,"start":757.145,"end":767.04},{"sentences":[{"text":"Yeah.","start":766.935,"end":767.17505,"sentiment":"neutral","sentiment_score":0.23624183237552643},{"text":"That'd be great.","start":767.17505,"end":768.075,"sentiment":"positive","sentiment_score":0.4373283584912618}],"sentiment":"positive","sentiment_score":0.38705672696232796,"channel":1,"num_words":4,"start":766.935,"end":768.075},{"sentences":[{"text":"Yeah.","start":768.06,"end":768.45996,"sentiment":"positive","sentiment_score":0.34283047914505005},{"text":"Excellent.","start":768.45996,"end":768.95996,"sentiment":"positive","sentiment_score":0.5502718687057495},{"text":"All good.","start":769.1,"end":769.83997,"sentiment":"positive","sentiment_score":0.43077051639556885},{"text":"Income wise, I had you on about a 120,000 last year.","start":770.3,"end":773.66,"sentiment":"neutral","sentiment_score":0.09671157530762932},{"text":"Have you got a pay increase since then at all?","start":773.66,"end":776.0,"sentiment":"neutral","sentiment_score":0.03742553237825632}],"sentiment":"neutral","sentiment_score":0.12770904131233693,"channel":0,"num_words":25,"start":768.06,"end":776.0},{"sentences":[{"text":"No.","start":776.27,"end":776.43,"sentiment":"neutral","sentiment_score":-0.07549949735403061},{"text":"It's gone back the other way because I changed positions.","start":776.43,"end":778.61,"sentiment":"neutral","sentiment_score":-0.0913159467279911}],"sentiment":"neutral","sentiment_score":-0.08987808769399469,"channel":1,"num_words":11,"start":776.27,"end":778.61},{"sentences":[{"text":"Oh,","start":778.22,"end":778.72,"sentiment":"neutral","sentiment_score":-0.028436819091439247}],"sentiment":"neutral","sentiment_score":-0.028436819091439247,"channel":0,"num_words":1,"start":778.22,"end":778.72},{"sentences":[{"text":"So I'm","start":778.83,"end":779.15,"sentiment":"neutral","sentiment_score":-0.041989343240857124}],"sentiment":"neutral","sentiment_score":-0.041989343240857124,"channel":1,"num_words":2,"start":778.83,"end":779.15},{"sentences":[{"text":"no.","start":779.01996,"end":779.445,"sentiment":"neutral","sentiment_score":-0.07946919649839401}],"sentiment":"neutral","sentiment_score":-0.07946919649839401,"channel":0,"num_words":1,"start":779.01996,"end":779.445},{"sentences":[{"text":"sitting in a sitting in about a 105 at this stage, but, yeah, literally","start":779.15,"end":783.15,"sentiment":"neutral","sentiment_score":-0.05165352126849549}],"sentiment":"neutral","sentiment_score":-0.05165352126849549,"channel":1,"num_words":14,"start":779.15,"end":783.15},{"sentences":[{"text":"Okay.","start":782.805,"end":783.305,"sentiment":"neutral","sentiment_score":-0.0054345764219760895}],"sentiment":"neutral","sentiment_score":-0.0054345764219760895,"channel":0,"num_words":1,"start":782.805,"end":783.305},{"sentences":[{"text":"just about to get a pay review.","start":783.15,"end":784.43,"sentiment":"neutral","sentiment_score":-0.0023535631064857754},{"text":"So it'll probably go up to about 110.","start":784.43,"end":786.69,"sentiment":"neutral","sentiment_score":-0.00010498787742108107}],"sentiment":"neutral","sentiment_score":-0.0011543229843179385,"channel":1,"num_words":15,"start":783.15,"end":786.69},{"sentences":[{"text":"Well, yeah, you're definitely worth it.","start":786.325,"end":788.585,"sentiment":"positive","sentiment_score":0.36019756148258847}],"sentiment":"positive","sentiment_score":0.36019756148258847,"channel":0,"num_words":6,"start":786.325,"end":788.585},{"sentences":[{"text":"I think so.","start":789.245,"end":790.22504,"sentiment":"neutral","sentiment_score":0.22906540830930075}],"sentiment":"neutral","sentiment_score":0.22906540830930075,"channel":1,"num_words":3,"start":789.245,"end":790.22504},{"sentences":[{"text":"Absolutely.","start":790.885,"end":791.385,"sentiment":"positive","sentiment_score":0.41737306118011475},{"text":"Beautiful.","start":792.52,"end":793.02,"sentiment":"positive","sentiment_score":0.5437378287315369},{"text":"And you're not salary sacrificing or not wanting to put any additional in the super at the moment over and above your employer contributions.","start":793.72,"end":800.14,"sentiment":"neutral","sentiment_score":0.0938920082213978},{"text":"Is that right?","start":800.27997,"end":801.18,"sentiment":"neutral","sentiment_score":0.06256321320931117}],"sentiment":"neutral","sentiment_score":0.11731754230528042,"channel":0,"num_words":29,"start":790.885,"end":801.18},{"sentences":[{"text":"Not at this point in time.","start":801.38,"end":802.5,"sentiment":"neutral","sentiment_score":-0.17881840591629347},{"text":"No.","start":802.5,"end":803.0,"sentiment":"neutral","sentiment_score":-0.12444595992565156}],"sentiment":"neutral","sentiment_score":-0.17105091363191605,"channel":1,"num_words":7,"start":801.38,"end":803.0},{"sentences":[{"text":"No.","start":803.0,"end":803.32,"sentiment":"neutral","sentiment_score":-0.124453566968441},{"text":"That's okay.","start":803.32,"end":803.96,"sentiment":"neutral","sentiment_score":-0.08902353420853615},{"text":"We're sort of focusing on getting the mortgage down as fast as we can.","start":803.96,"end":807.055,"sentiment":"neutral","sentiment_score":-0.09272113335984093},{"text":"Is that sort of your main goal still?","start":807.055,"end":808.995,"sentiment":"neutral","sentiment_score":-0.015675556380301714}],"sentiment":"neutral","sentiment_score":-0.06904003813862801,"channel":0,"num_words":25,"start":803.0,"end":808.995},{"sentences":[{"text":"It is.","start":809.3,"end":810.04,"sentiment":"neutral","sentiment_score":0.0227376576513052}],"sentiment":"neutral","sentiment_score":0.0227376576513052,"channel":1,"num_words":2,"start":809.3,"end":810.04},{"sentences":[{"text":"Yeah.","start":810.495,"end":810.89496,"sentiment":"neutral","sentiment_score":0.08613139390945435},{"text":"Beautiful.","start":810.89496,"end":811.39496,"sentiment":"neutral","sentiment_score":0.16883452236652374},{"text":"Mortgage wise, we had you on about owing about 340,000 last year.","start":811.855,"end":816.815,"sentiment":"neutral","sentiment_score":0.012982705452789864},{"text":"Have you reduced it","start":816.815,"end":820.09,"sentiment":"neutral","sentiment_score":-0.011844578199088573}],"sentiment":"neutral","sentiment_score":0.020187781606283452,"channel":0,"num_words":18,"start":810.495,"end":820.09},{"sentences":[{"text":"We refinanced","start":819.625,"end":820.525,"sentiment":"neutral","sentiment_score":-0.02025030553340912}],"sentiment":"neutral","sentiment_score":-0.02025030553340912,"channel":1,"num_words":2,"start":819.625,"end":820.525},{"sentences":[{"text":"a","start":820.59,"end":821.09,"sentiment":"neutral","sentiment_score":-0.026641499251127243}],"sentiment":"neutral","sentiment_score":-0.026641499251127243,"channel":0,"num_words":1,"start":820.59,"end":821.09},{"sentences":[{"text":"at the start of the year,","start":820.74506,"end":821.625,"sentiment":"neutral","sentiment_score":-0.017400221588710945}],"sentiment":"neutral","sentiment_score":-0.017400221588710945,"channel":1,"num_words":6,"start":820.74506,"end":821.625},{"sentences":[{"text":"bit","start":821.59,"end":822.09,"sentiment":"neutral","sentiment_score":-0.015807826071977615}],"sentiment":"neutral","sentiment_score":-0.015807826071977615,"channel":0,"num_words":1,"start":821.59,"end":822.09},{"sentences":[{"text":"so it's going back the other way.","start":821.625,"end":822.66504,"sentiment":"neutral","sentiment_score":-0.01669205179704087}],"sentiment":"neutral","sentiment_score":-0.01669205179704087,"channel":1,"num_words":7,"start":821.625,"end":822.66504},{"sentences":[{"text":"since","start":822.59,"end":823.09,"sentiment":"neutral","sentiment_score":-0.006808610633015633}],"sentiment":"neutral","sentiment_score":-0.006808610633015633,"channel":0,"num_words":1,"start":822.59,"end":823.09},{"sentences":[{"text":"So it's about 300","start":822.66504,"end":823.625,"sentiment":"neutral","sentiment_score":-0.0038632266223430634}],"sentiment":"neutral","sentiment_score":-0.0038632266223430634,"channel":1,"num_words":4,"start":822.66504,"end":823.625},{"sentences":[{"text":"then?","start":823.59,"end":824.09,"sentiment":"neutral","sentiment_score":0.002399902790784836}],"sentiment":"neutral","sentiment_score":0.002399902790784836,"channel":0,"num_words":1,"start":823.59,"end":824.09},{"sentences":[{"text":"and I think about 3","start":823.625,"end":824.74506,"sentiment":"neutral","sentiment_score":0.0006391821429133415}],"sentiment":"neutral","sentiment_score":0.0006391821429133415,"channel":1,"num_words":5,"start":823.625,"end":824.74506},{"sentences":[{"text":"Yep.","start":824.59,"end":825.09,"sentiment":"neutral","sentiment_score":0.005201452877372503}],"sentiment":"neutral","sentiment_score":0.005201452877372503,"channel":0,"num_words":1,"start":824.59,"end":825.09},{"sentences":[{"text":"80.","start":824.74506,"end":825.24506,"sentiment":"neutral","sentiment_score":0.003994659520685673}],"sentiment":"neutral","sentiment_score":0.003994659520685673,"channel":1,"num_words":1,"start":824.74506,"end":825.24506},{"sentences":[{"text":"$3.80?","start":825.59,"end":826.31,"sentiment":"neutral","sentiment_score":0.0060932389460504055},{"text":"Yep.","start":826.31,"end":826.79004,"sentiment":"neutral","sentiment_score":0.05414166301488876},{"text":"Beautiful.","start":826.79004,"end":827.29004,"sentiment":"neutral","sentiment_score":0.28272441029548645},{"text":"All good.","start":827.43005,"end":828.09,"sentiment":"neutral","sentiment_score":0.26830514520406723},{"text":"And the property we had valued at 700,000 with having that old, and you woulda had it revalued again.","start":828.55005,"end":834.255,"sentiment":"neutral","sentiment_score":0.026137062005306546}],"sentiment":"neutral","sentiment_score":0.05734057419855768,"channel":0,"num_words":24,"start":825.59,"end":834.255},{"sentences":[{"text":"What sort of value did they put on it?","start":834.255,"end":836.355,"sentiment":"neutral","sentiment_score":0.004297955789499813}],"sentiment":"neutral","sentiment_score":0.004297955789499813,"channel":0,"num_words":9,"start":834.255,"end":836.355},{"sentences":[{"text":"That's $7.60.","start":836.48,"end":838.42,"sentiment":"neutral","sentiment_score":0.021377027966082096}],"sentiment":"neutral","sentiment_score":0.021377027966082096,"channel":1,"num_words":2,"start":836.48,"end":838.42},{"sentences":[{"text":"Oh, fantastic.","start":839.055,"end":839.875,"sentiment":"neutral","sentiment_score":0.3001578003168106},{"text":"Excellent.","start":840.415,"end":840.915,"sentiment":"neutral","sentiment_score":0.3039325475692749},{"text":"I've also got your motor vehicle down here, a value of about 17,000.","start":842.175,"end":846.43994,"sentiment":"neutral","sentiment_score":0.1027972073509143},{"text":"What sort of value would you put on your car currently?","start":846.57996,"end":849.0,"sentiment":"neutral","sentiment_score":0.02542954005978324}],"sentiment":"neutral","sentiment_score":0.09334580683045918,"channel":0,"num_words":27,"start":839.055,"end":849.0},{"sentences":[{"text":"I'd probably say 10.","start":851.855,"end":853.155,"sentiment":"neutral","sentiment_score":0.007664089207537472}],"sentiment":"neutral","sentiment_score":0.007664089207537472,"channel":1,"num_words":4,"start":851.855,"end":853.155},{"sentences":[{"text":"10?","start":853.77997,"end":854.1,"sentiment":"neutral","sentiment_score":0.01776077412068844},{"text":"Yeah.","start":854.1,"end":854.33997,"sentiment":"neutral","sentiment_score":0.07263541221618652},{"text":"Beautiful.","start":854.33997,"end":854.66,"sentiment":"neutral","sentiment_score":0.1997280716896057},{"text":"What kind of vehicle is it?","start":854.66,"end":856.04,"sentiment":"neutral","sentiment_score":0.05913258654375871}],"sentiment":"neutral","sentiment_score":0.07165775303211477,"channel":0,"num_words":9,"start":853.77997,"end":856.04},{"sentences":[{"text":"Just a wrap for","start":856.33997,"end":857.22,"sentiment":"neutral","sentiment_score":0.031065696384757757}],"sentiment":"neutral","sentiment_score":0.031065696384757757,"channel":1,"num_words":4,"start":856.33997,"end":857.22},{"sentences":[{"text":"Yeah.","start":857.77997,"end":858.1,"sentiment":"neutral","sentiment_score":0.13916520774364471},{"text":"Perfect.","start":858.1,"end":858.6,"sentiment":"positive","sentiment_score":0.38302159309387207},{"text":"They hold their value pretty well, those things.","start":858.74,"end":860.83997,"sentiment":"neutral","sentiment_score":0.25436656549572945}],"sentiment":"neutral","sentiment_score":0.25571193248033525,"channel":0,"num_words":10,"start":857.77997,"end":860.83997},{"sentences":[{"text":"yeah.","start":860.74,"end":860.98,"sentiment":"neutral","sentiment_score":0.05363849923014641}],"sentiment":"neutral","sentiment_score":0.05363849923014641,"channel":1,"num_words":1,"start":860.74,"end":860.98},{"sentences":[{"text":"Everyone","start":860.945,"end":861.105,"sentiment":"neutral","sentiment_score":0.07094980031251907}],"sentiment":"neutral","sentiment_score":0.07094980031251907,"channel":0,"num_words":1,"start":860.945,"end":861.105},{"sentences":[{"text":"Yeah.","start":860.98,"end":861.48,"sentiment":"neutral","sentiment_score":0.09898154437541962}],"sentiment":"neutral","sentiment_score":0.09898154437541962,"channel":1,"num_words":1,"start":860.98,"end":861.48},{"sentences":[{"text":"still wants a RAV four.","start":861.105,"end":862.485,"sentiment":"neutral","sentiment_score":0.11214934885501862}],"sentiment":"neutral","sentiment_score":0.11214934885501862,"channel":0,"num_words":5,"start":861.105,"end":862.485},{"sentences":[{"text":"Yep.","start":863.54,"end":864.04,"sentiment":"neutral","sentiment_score":0.06478273123502731}],"sentiment":"neutral","sentiment_score":0.06478273123502731,"channel":1,"num_words":1,"start":863.54,"end":864.04},{"sentences":[{"text":"We had a loan of about 3,000.","start":863.745,"end":865.985,"sentiment":"neutral","sentiment_score":0.021373097385678972},{"text":"Have you refinanced that or managed","start":865.985,"end":868.065,"sentiment":"neutral","sentiment_score":-0.00307952135335654}],"sentiment":"neutral","sentiment_score":0.010087273352277966,"channel":0,"num_words":13,"start":863.745,"end":868.065},{"sentences":[{"text":"It's","start":868.01495,"end":868.175,"sentiment":"neutral","sentiment_score":-0.0834197998046875}],"sentiment":"neutral","sentiment_score":-0.0834197998046875,"channel":1,"num_words":1,"start":868.01495,"end":868.175},{"sentences":[{"text":"to pay","start":868.065,"end":868.305,"sentiment":"neutral","sentiment_score":-0.07127967290580273}],"sentiment":"neutral","sentiment_score":-0.07127967290580273,"channel":0,"num_words":2,"start":868.065,"end":868.305},{"sentences":[{"text":"gone.","start":868.175,"end":868.675,"sentiment":"neutral","sentiment_score":-0.10023357719182968}],"sentiment":"neutral","sentiment_score":-0.10023357719182968,"channel":1,"num_words":1,"start":868.175,"end":868.675},{"sentences":[{"text":"it off?","start":868.305,"end":868.885,"sentiment":"neutral","sentiment_score":-0.060378480702638626}],"sentiment":"neutral","sentiment_score":-0.060378480702638626,"channel":0,"num_words":2,"start":868.305,"end":868.885},{"sentences":[{"text":"No.","start":869.055,"end":869.375,"sentiment":"neutral","sentiment_score":-0.11743755638599396}],"sentiment":"neutral","sentiment_score":-0.11743755638599396,"channel":1,"num_words":1,"start":869.055,"end":869.375},{"sentences":[{"text":"Gone?","start":869.345,"end":869.825,"sentiment":"neutral","sentiment_score":-0.11985163390636444}],"sentiment":"neutral","sentiment_score":-0.11985163390636444,"channel":0,"num_words":1,"start":869.345,"end":869.825},{"sentences":[{"text":"No lines","start":869.375,"end":869.855,"sentiment":"neutral","sentiment_score":-0.06709519401192665}],"sentiment":"neutral","sentiment_score":-0.06709519401192665,"channel":1,"num_words":2,"start":869.375,"end":869.855},{"sentences":[{"text":"Yes.","start":869.825,"end":870.325,"sentiment":"neutral","sentiment_score":-0.02963297814130783}],"sentiment":"neutral","sentiment_score":-0.02963297814130783,"channel":0,"num_words":1,"start":869.825,"end":870.325},{"sentences":[{"text":"at the moment.","start":869.855,"end":870.595,"sentiment":"neutral","sentiment_score":-0.028665876636902492}],"sentiment":"neutral","sentiment_score":-0.028665876636902492,"channel":1,"num_words":3,"start":869.855,"end":870.595},{"sentences":[{"text":"Fantastic.","start":871.185,"end":871.685,"sentiment":"positive","sentiment_score":0.4776457250118256},{"text":"Sorry.","start":873.265,"end":873.58496,"sentiment":"neutral","sentiment_score":0.035538606345653534},{"text":"Any other cars, boats, or caravans that you'd note down with value?","start":873.58496,"end":877.11,"sentiment":"neutral","sentiment_score":0.03324938612058759}],"sentiment":"neutral","sentiment_score":0.06515549748603787,"channel":0,"num_words":14,"start":871.185,"end":877.11},{"sentences":[{"text":"No.","start":877.855,"end":878.255,"sentiment":"neutral","sentiment_score":-0.07126835733652115},{"text":"No.","start":878.255,"end":878.755,"sentiment":"neutral","sentiment_score":-0.06603120267391205}],"sentiment":"neutral","sentiment_score":-0.0686497800052166,"channel":1,"num_words":2,"start":877.855,"end":878.755},{"sentences":[{"text":"No.","start":878.93,"end":879.32996,"sentiment":"neutral","sentiment_score":-0.0503557026386261},{"text":"That's okay.","start":879.32996,"end":880.14996,"sentiment":"neutral","sentiment_score":0.0020281964098103344},{"text":"Any collections or tools of trade or shares or cryptocurrency that you have as well?","start":880.52997,"end":885.50995,"sentiment":"neutral","sentiment_score":0.010373138884703318}],"sentiment":"neutral","sentiment_score":0.006072098525085797,"channel":0,"num_words":18,"start":878.93,"end":885.50995},{"sentences":[{"text":"No.","start":885.79,"end":886.19,"sentiment":"neutral","sentiment_score":-0.09993494302034378},{"text":"Not quite a bit.","start":886.19,"end":887.25,"sentiment":"neutral","sentiment_score":-0.11010710895061493}],"sentiment":"neutral","sentiment_score":-0.1080726757645607,"channel":1,"num_words":5,"start":885.79,"end":887.25},{"sentences":[{"text":"No.","start":886.93,"end":887.43,"sentiment":"neutral","sentiment_score":-0.08909480273723602},{"text":"That's okay.","start":887.88995,"end":888.87,"sentiment":"neutral","sentiment_score":0.043739053420722485},{"text":"All good.","start":888.93,"end":889.67,"sentiment":"neutral","sentiment_score":0.3043622821569443},{"text":"I've got down here estate planning side of things.","start":891.22504,"end":894.10504,"sentiment":"neutral","sentiment_score":0.012255469957987467},{"text":"I had it noted that you guys didn't have a will or power of attorney done up.","start":894.10504,"end":897.705,"sentiment":"neutral","sentiment_score":-0.05549938231706619}],"sentiment":"neutral","sentiment_score":-0.007292980688714212,"channel":0,"num_words":31,"start":886.93,"end":897.705},{"sentences":[{"text":"Is that something you've discussed or looked at doing or spoken to a solicitor about?","start":897.705,"end":902.52,"sentiment":"neutral","sentiment_score":-0.04682341329753399}],"sentiment":"neutral","sentiment_score":-0.04682341329753399,"channel":0,"num_words":15,"start":897.705,"end":902.52},{"sentences":[{"text":"Yeah.","start":903.755,"end":904.15497,"sentiment":"neutral","sentiment_score":-0.01641864888370037},{"text":"Look.","start":904.15497,"end":904.555,"sentiment":"neutral","sentiment_score":-0.02801811322569847},{"text":"It is, yeah, still in the plan to get that done, but, yeah, haven't done anything with it at this stage.","start":904.555,"end":909.455,"sentiment":"neutral","sentiment_score":-0.07610812712283362}],"sentiment":"neutral","sentiment_score":-0.07142206224734368,"channel":1,"num_words":23,"start":903.755,"end":909.455},{"sentences":[{"text":"No.","start":909.88,"end":910.04004,"sentiment":"neutral","sentiment_score":-0.07350940257310867},{"text":"That's okay.","start":910.04004,"end":911.02,"sentiment":"neutral","sentiment_score":0.0683379527181387},{"text":"All good.","start":911.16003,"end":911.80005,"sentiment":"positive","sentiment_score":0.3424672484397888},{"text":"And with your beneficiary nominations, I have it down here that you want your life cover and your super paid out to Katrina in the event that anything happens.","start":911.80005,"end":920.135,"sentiment":"neutral","sentiment_score":0.13069200952505244}],"sentiment":"neutral","sentiment_score":0.13347556694027254,"channel":0,"num_words":34,"start":909.88,"end":920.135},{"sentences":[{"text":"Mhmm.","start":920.51996,"end":921.01996,"sentiment":"neutral","sentiment_score":0.0736825093626976}],"sentiment":"neutral","sentiment_score":0.0736825093626976,"channel":1,"num_words":1,"start":920.51996,"end":921.01996},{"sentences":[{"text":"It's a 100% paid to her.","start":920.59503,"end":922.195,"sentiment":"neutral","sentiment_score":0.11808356394370396},{"text":"That's still valid and correct.","start":922.195,"end":923.815,"sentiment":"neutral","sentiment_score":0.19033888578414918}],"sentiment":"neutral","sentiment_score":0.15092689205299725,"channel":0,"num_words":11,"start":920.59503,"end":923.815},{"sentences":[{"text":"Yeah.","start":924.12,"end":924.36,"sentiment":"neutral","sentiment_score":0.1410091072320938},{"text":"That's correct.","start":924.36,"end":925.1,"sentiment":"neutral","sentiment_score":0.1780393347144127}],"sentiment":"neutral","sentiment_score":0.16569592555363974,"channel":1,"num_words":3,"start":924.12,"end":925.1},{"sentences":[{"text":"Yep.","start":925.47504,"end":925.79504,"sentiment":"neutral","sentiment_score":0.24097463488578796},{"text":"Beautiful.","start":925.79504,"end":926.275,"sentiment":"positive","sentiment_score":0.5078715085983276},{"text":"Now the type of nomination that you do have, I'm pretty sure we attached it last year.","start":926.275,"end":930.115,"sentiment":"neutral","sentiment_score":0.16307151054634766},{"text":"You do have it as a binding nomination, so it does mean that we have to review that and have it updated and refilled out every three years.","start":930.115,"end":937.8,"sentiment":"neutral","sentiment_score":0.14212572681052343},{"text":"The next time it's due is essentially this time next year.","start":938.02,"end":941.56,"sentiment":"neutral","sentiment_score":0.07857457412914796}],"sentiment":"neutral","sentiment_score":0.14422245670495362,"channel":0,"num_words":58,"start":925.47504,"end":941.56},{"sentences":[{"text":"Are you happy with the type of nomination?","start":942.5,"end":944.76,"sentiment":"neutral","sentiment_score":0.15984490886330605},{"text":"Did you want us to maybe update the advice to reflect, you know, recommendations around making a nomination?","start":945.22,"end":950.71497,"sentiment":"neutral","sentiment_score":0.06620423247416814},{"text":"You don't have to continuously update.","start":950.71497,"end":952.71497,"sentiment":"neutral","sentiment_score":0.025942737547059853},{"text":"What would you sort of","start":952.71497,"end":953.855,"sentiment":"neutral","sentiment_score":0.02591417022049427}],"sentiment":"neutral","sentiment_score":0.07447737113044069,"channel":0,"num_words":37,"start":942.5,"end":953.855},{"sentences":[{"text":"Yeah.","start":954.06,"end":954.38,"sentiment":"neutral","sentiment_score":0.05308331549167633}],"sentiment":"neutral","sentiment_score":0.05308331549167633,"channel":1,"num_words":1,"start":954.06,"end":954.38},{"sentences":[{"text":"comfort","start":954.15497,"end":954.39496,"sentiment":"neutral","sentiment_score":0.06840438395738602}],"sentiment":"neutral","sentiment_score":0.06840438395738602,"channel":0,"num_words":1,"start":954.15497,"end":954.39496},{"sentences":[{"text":"That'd","start":954.38,"end":954.62,"sentiment":"neutral","sentiment_score":0.1473497748374939}],"sentiment":"neutral","sentiment_score":0.1473497748374939,"channel":1,"num_words":1,"start":954.38,"end":954.62},{"sentences":[{"text":"level","start":954.39496,"end":954.71497,"sentiment":"neutral","sentiment_score":0.13173547387123108}],"sentiment":"neutral","sentiment_score":0.13173547387123108,"channel":0,"num_words":1,"start":954.39496,"end":954.71497},{"sentences":[{"text":"be","start":954.62,"end":954.86,"sentiment":"neutral","sentiment_score":0.18228620290756223}],"sentiment":"neutral","sentiment_score":0.18228620290756223,"channel":1,"num_words":1,"start":954.62,"end":954.86},{"sentences":[{"text":"wise","start":954.71497,"end":955.115,"sentiment":"neutral","sentiment_score":0.2104378342628479}],"sentiment":"neutral","sentiment_score":0.2104378342628479,"channel":0,"num_words":1,"start":954.71497,"end":955.115},{"sentences":[{"text":"fine.","start":954.86,"end":955.36,"sentiment":"neutral","sentiment_score":0.19732117652893064}],"sentiment":"neutral","sentiment_score":0.19732117652893064,"channel":1,"num_words":1,"start":954.86,"end":955.36},{"sentences":[{"text":"feel?","start":955.115,"end":955.615,"sentiment":"neutral","sentiment_score":0.10716445744037628}],"sentiment":"neutral","sentiment_score":0.10716445744037628,"channel":0,"num_words":1,"start":955.115,"end":955.615},{"sentences":[{"text":"Yeah.","start":955.58,"end":955.74,"sentiment":"neutral","sentiment_score":0.09032396972179411},{"text":"We could","start":955.74,"end":956.025,"sentiment":"neutral","sentiment_score":0.10227431356906891}],"sentiment":"neutral","sentiment_score":0.09829086561997731,"channel":1,"num_words":3,"start":955.58,"end":956.025},{"sentences":[{"text":"Yeah?","start":955.915,"end":956.415,"sentiment":"neutral","sentiment_score":0.10912945866584778}],"sentiment":"neutral","sentiment_score":0.10912945866584778,"channel":0,"num_words":1,"start":955.915,"end":956.415},{"sentences":[{"text":"could","start":956.025,"end":956.525,"sentiment":"neutral","sentiment_score":0.23824740946292877}],"sentiment":"neutral","sentiment_score":0.23824740946292877,"channel":1,"num_words":1,"start":956.025,"end":956.525},{"sentences":[{"text":"Beautiful.","start":956.95496,"end":957.45496,"sentiment":"positive","sentiment_score":0.4636422991752625},{"text":"Just with the the other type of nomination you","start":957.51495,"end":959.61,"sentiment":"neutral","sentiment_score":0.17167134748564827}],"sentiment":"neutral","sentiment_score":0.20086844265460968,"channel":0,"num_words":10,"start":956.95496,"end":959.61},{"sentences":[{"text":"do","start":959.5538,"end":960.0538,"sentiment":"neutral","sentiment_score":0.1744239330291748}],"sentiment":"neutral","sentiment_score":0.1744239330291748,"channel":1,"num_words":1,"start":959.5538,"end":960.0538},{"sentences":[{"text":"that you can have is a binding nonlapsing.","start":959.85,"end":962.02997,"sentiment":"neutral","sentiment_score":0.18662182055413723},{"text":"It means that you fill","start":962.17,"end":963.13,"sentiment":"neutral","sentiment_score":0.1699005037546158}],"sentiment":"neutral","sentiment_score":0.1801905448620136,"channel":0,"num_words":13,"start":959.85,"end":963.13},{"sentences":[{"text":"that.","start":963.0825,"end":963.5825,"sentiment":"neutral","sentiment_score":0.17921385169029236}],"sentiment":"neutral","sentiment_score":0.17921385169029236,"channel":1,"num_words":1,"start":963.0825,"end":963.5825},{"sentences":[{"text":"the nomination out once, and you don't have to fill it out ever again","start":963.13,"end":966.58997,"sentiment":"neutral","sentiment_score":0.1399343109556607}],"sentiment":"neutral","sentiment_score":0.1399343109556607,"channel":0,"num_words":14,"start":963.13,"end":966.58997},{"sentences":[{"text":"Mhmm.","start":966.61127,"end":967.11127,"sentiment":"neutral","sentiment_score":0.07150085270404816}],"sentiment":"neutral","sentiment_score":0.07150085270404816,"channel":1,"num_words":1,"start":966.61127,"end":967.11127},{"sentences":[{"text":"unless you change the type of nomination.","start":966.81,"end":968.67,"sentiment":"neutral","sentiment_score":-0.03392291175467627},{"text":"Normally I mean, depending on how things are, normally, we don't wanna change that from our spouse unless they pass away first or something changes in our relationship.","start":969.20996,"end":977.745,"sentiment":"neutral","sentiment_score":-0.05314473834420953},{"text":"And","start":978.52496,"end":978.685,"sentiment":"neutral","sentiment_score":0.008318150416016579}],"sentiment":"neutral","sentiment_score":-0.04769985848623845,"channel":0,"num_words":36,"start":966.81,"end":978.685},{"sentences":[{"text":"Yeah.","start":978.62,"end":979.12,"sentiment":"neutral","sentiment_score":0.029319211840629578}],"sentiment":"neutral","sentiment_score":0.029319211840629578,"channel":1,"num_words":1,"start":978.62,"end":979.12},{"sentences":[{"text":"we review that with you every year anyway.","start":978.685,"end":980.845,"sentiment":"neutral","sentiment_score":0.062063765712082386},{"text":"So it just means that we don't have to ask you to pre fill that form out every three years, which can get","start":980.845,"end":985.645,"sentiment":"neutral","sentiment_score":0.010253792061753895}],"sentiment":"neutral","sentiment_score":0.023624107842483828,"channel":0,"num_words":31,"start":978.685,"end":985.645},{"sentences":[{"text":"Yeah.","start":985.53503,"end":986.03503,"sentiment":"neutral","sentiment_score":-0.16369187831878662}],"sentiment":"neutral","sentiment_score":-0.16369187831878662,"channel":1,"num_words":1,"start":985.53503,"end":986.03503},{"sentences":[{"text":"kind of arduous and annoying.","start":985.645,"end":987.265,"sentiment":"negative","sentiment_score":-0.5304147720336914}],"sentiment":"negative","sentiment_score":-0.5304147720336914,"channel":0,"num_words":5,"start":985.645,"end":987.265},{"sentences":[{"text":"Yeah.","start":987.85504,"end":988.17505,"sentiment":"neutral","sentiment_score":-0.13955537974834442},{"text":"No.","start":988.17505,"end":988.255,"sentiment":"neutral","sentiment_score":-0.21029961109161377},{"text":"That's","start":988.255,"end":988.495,"sentiment":"neutral","sentiment_score":-0.07813462615013123}],"sentiment":"neutral","sentiment_score":-0.14266320566336313,"channel":1,"num_words":3,"start":987.85504,"end":988.495},{"sentences":[{"text":"So","start":988.47,"end":988.63,"sentiment":"neutral","sentiment_score":0.02556762099266052}],"sentiment":"neutral","sentiment_score":0.02556762099266052,"channel":0,"num_words":1,"start":988.47,"end":988.63},{"sentences":[{"text":"fine.","start":988.495,"end":988.73505,"sentiment":"neutral","sentiment_score":0.1807035654783249}],"sentiment":"neutral","sentiment_score":0.1807035654783249,"channel":1,"num_words":1,"start":988.495,"end":988.73505},{"sentences":[{"text":"if you're","start":988.63,"end":989.21,"sentiment":"positive","sentiment_score":0.3615582585334778}],"sentiment":"positive","sentiment_score":0.3615582585334778,"channel":0,"num_words":2,"start":988.63,"end":989.21},{"sentences":[{"text":"I'm happy to go that way.","start":988.73505,"end":990.03503,"sentiment":"neutral","sentiment_score":0.2816205099225044}],"sentiment":"neutral","sentiment_score":0.2816205099225044,"channel":1,"num_words":6,"start":988.73505,"end":990.03503},{"sentences":[{"text":"comfortable to do that, beautiful.","start":990.23,"end":991.67,"sentiment":"positive","sentiment_score":0.6684533834457398},{"text":"I'll reflect that in the advice document for you as well, but I'll also get the team to make sure we send it out and update it.","start":991.67,"end":997.53,"sentiment":"neutral","sentiment_score":0.30621726590174214},{"text":"Are","start":997.91,"end":998.07,"sentiment":"neutral","sentiment_score":0.10725238919258118}],"sentiment":"positive","sentiment_score":0.3550722874475248,"channel":0,"num_words":33,"start":990.23,"end":998.07},{"sentences":[{"text":"Yeah.","start":997.935,"end":998.28,"sentiment":"neutral","sentiment_score":0.15156006813049316}],"sentiment":"neutral","sentiment_score":0.15156006813049316,"channel":1,"num_words":1,"start":997.935,"end":998.28},{"sentences":[{"text":"you happy with us pre filling the nomination for you with Katrina's","start":998.07,"end":1001.59,"sentiment":"neutral","sentiment_score":0.2950735576450825}],"sentiment":"neutral","sentiment_score":0.2950735576450825,"channel":0,"num_words":12,"start":998.07,"end":1001.59},{"sentences":[{"text":"Yeah,","start":1001.48004,"end":1001.80005,"sentiment":"neutral","sentiment_score":0.15587769448757172}],"sentiment":"neutral","sentiment_score":0.15587769448757172,"channel":1,"num_words":1,"start":1001.48004,"end":1001.80005},{"sentences":[{"text":"details","start":1001.59,"end":1001.895,"sentiment":"neutral","sentiment_score":0.2183729857206345}],"sentiment":"neutral","sentiment_score":0.2183729857206345,"channel":0,"num_words":1,"start":1001.59,"end":1001.895},{"sentences":[{"text":"please.","start":1001.80005,"end":1002.30005,"sentiment":"neutral","sentiment_score":0.20328238606452945}],"sentiment":"neutral","sentiment_score":0.20328238606452945,"channel":1,"num_words":1,"start":1001.80005,"end":1002.30005},{"sentences":[{"text":"to make life a bit easier?","start":1001.97504,"end":1003.435,"sentiment":"neutral","sentiment_score":0.26740040133396786},{"text":"Yep.","start":1003.575,"end":1004.075,"sentiment":"neutral","sentiment_score":0.15201029181480408}],"sentiment":"neutral","sentiment_score":0.2509160999740873,"channel":0,"num_words":7,"start":1001.97504,"end":1004.075},{"sentences":[{"text":"Yeah.","start":1003.80005,"end":1004.04004,"sentiment":"neutral","sentiment_score":0.27090883255004883},{"text":"That'd be great.","start":1004.04004,"end":1004.94,"sentiment":"positive","sentiment_score":0.6277261972427368}],"sentiment":"positive","sentiment_score":0.5385218560695648,"channel":1,"num_words":4,"start":1003.80005,"end":1004.94},{"sentences":[{"text":"Fantastic.","start":1005.655,"end":1006.155,"sentiment":"positive","sentiment_score":0.6390871405601501},{"text":"And did you prefer that to be emailed or posted to you or both?","start":1006.375,"end":1010.315,"sentiment":"neutral","sentiment_score":0.12090181612542697}],"sentiment":"neutral","sentiment_score":0.1554475044210752,"channel":0,"num_words":15,"start":1005.655,"end":1010.315},{"sentences":[{"text":"I'll get both just in case I miss","start":1011.16003,"end":1012.92004,"sentiment":"neutral","sentiment_score":0.07753092795610428}],"sentiment":"neutral","sentiment_score":0.07753092795610428,"channel":1,"num_words":8,"start":1011.16003,"end":1012.92004},{"sentences":[{"text":"Both.","start":1012.775,"end":1013.275,"sentiment":"neutral","sentiment_score":0.10384996235370636}],"sentiment":"neutral","sentiment_score":0.10384996235370636,"channel":0,"num_words":1,"start":1012.775,"end":1013.275},{"sentences":[{"text":"one.","start":1012.92004,"end":1013.295,"sentiment":"neutral","sentiment_score":0.04964734613895416}],"sentiment":"neutral","sentiment_score":0.04964734613895416,"channel":1,"num_words":1,"start":1012.92004,"end":1013.295},{"sentences":[{"text":"Yeah.","start":1013.73505,"end":1013.97504,"sentiment":"neutral","sentiment_score":0.09860210120677948},{"text":"Absolutely fine.","start":1013.97504,"end":1014.935,"sentiment":"neutral","sentiment_score":0.2135111540555954},{"text":"I'll also get them to send out that third party authority for host plus.","start":1014.935,"end":1017.97003,"sentiment":"neutral","sentiment_score":0.14089516763176238},{"text":"Again, we'll try","start":1017.97003,"end":1018.53,"sentiment":"neutral","sentiment_score":0.10099535932143529}],"sentiment":"neutral","sentiment_score":0.14005714170634748,"channel":0,"num_words":20,"start":1013.73505,"end":1018.53},{"sentences":[{"text":"Yeah.","start":1018.495,"end":1018.815,"sentiment":"neutral","sentiment_score":0.14276091754436493}],"sentiment":"neutral","sentiment_score":0.14276091754436493,"channel":1,"num_words":1,"start":1018.495,"end":1018.815},{"sentences":[{"text":"and get","start":1018.53,"end":1018.85004,"sentiment":"neutral","sentiment_score":0.08938877284526825}],"sentiment":"neutral","sentiment_score":0.08938877284526825,"channel":0,"num_words":2,"start":1018.53,"end":1018.85004},{"sentences":[{"text":"That'd","start":1018.815,"end":1019.055,"sentiment":"neutral","sentiment_score":0.2296710908412933}],"sentiment":"neutral","sentiment_score":0.2296710908412933,"channel":1,"num_words":1,"start":1018.815,"end":1019.055},{"sentences":[{"text":"it all","start":1018.85004,"end":1019.25,"sentiment":"neutral","sentiment_score":0.2611083686351776}],"sentiment":"neutral","sentiment_score":0.2611083686351776,"channel":0,"num_words":2,"start":1018.85004,"end":1019.25},{"sentences":[{"text":"be","start":1019.055,"end":1019.295,"sentiment":"neutral","sentiment_score":0.2752140164375305}],"sentiment":"neutral","sentiment_score":0.2752140164375305,"channel":1,"num_words":1,"start":1019.055,"end":1019.295},{"sentences":[{"text":"sent","start":1019.25,"end":1019.41003,"sentiment":"neutral","sentiment_score":0.32835307717323303}],"sentiment":"neutral","sentiment_score":0.32835307717323303,"channel":0,"num_words":1,"start":1019.25,"end":1019.41003},{"sentences":[{"text":"great.","start":1019.295,"end":1019.795,"sentiment":"neutral","sentiment_score":0.31733351945877075}],"sentiment":"neutral","sentiment_score":0.31733351945877075,"channel":1,"num_words":1,"start":1019.295,"end":1019.795},{"sentences":[{"text":"out in one one hit.","start":1019.41003,"end":1020.93,"sentiment":"neutral","sentiment_score":0.07493663504719734},{"text":"See the signing","start":1020.93,"end":1021.73004,"sentiment":"neutral","sentiment_score":0.06320465604464214}],"sentiment":"neutral","sentiment_score":0.07053714292123914,"channel":0,"num_words":8,"start":1019.41003,"end":1021.73004},{"sentences":[{"text":"One","start":1021.45496,"end":1021.77496,"sentiment":"neutral","sentiment_score":0.09771250188350676}],"sentiment":"neutral","sentiment_score":0.09771250188350676,"channel":1,"num_words":1,"start":1021.45496,"end":1021.77496},{"sentences":[{"text":"everything","start":1021.73004,"end":1022.21,"sentiment":"neutral","sentiment_score":0.11496089398860931}],"sentiment":"neutral","sentiment_score":0.11496089398860931,"channel":0,"num_words":1,"start":1021.73004,"end":1022.21},{"sentences":[{"text":"big hit.","start":1021.77496,"end":1022.51495,"sentiment":"neutral","sentiment_score":0.12715592235326767}],"sentiment":"neutral","sentiment_score":0.12715592235326767,"channel":1,"num_words":2,"start":1021.77496,"end":1022.51495},{"sentences":[{"text":"at once.","start":1022.21,"end":1022.95,"sentiment":"neutral","sentiment_score":0.07903549820184708}],"sentiment":"neutral","sentiment_score":0.07903549820184708,"channel":0,"num_words":2,"start":1022.21,"end":1022.95},{"sentences":[{"text":"Yep.","start":1023.135,"end":1023.635,"sentiment":"neutral","sentiment_score":0.134363055229187}],"sentiment":"neutral","sentiment_score":0.134363055229187,"channel":1,"num_words":1,"start":1023.135,"end":1023.635},{"sentences":[{"text":"Absolutely.","start":1023.33,"end":1023.83,"sentiment":"neutral","sentiment_score":0.31278085708618164},{"text":"Fantastic.","start":1024.77,"end":1025.27,"sentiment":"positive","sentiment_score":0.4345610737800598},{"text":"The only other thing gonna touch on is just your risk profile there as well.","start":1026.6901,"end":1030.765,"sentiment":"neutral","sentiment_score":0.06277716966966788},{"text":"So you are in that growth environment at the moment, which has, like, an eighty twenty split there.","start":1030.765,"end":1035.4249,"sentiment":"neutral","sentiment_score":-0.0028846581569976276},{"text":"Having a look at the other questions that you've got more than ten years ahead of you before accessing your super, You've never invested in your own name before, have you?","start":1036.125,"end":1044.9501,"sentiment":"neutral","sentiment_score":-0.0013182341541734437}],"sentiment":"neutral","sentiment_score":0.024185005610695844,"channel":0,"num_words":66,"start":1023.33,"end":1044.9501},{"sentences":[{"text":"Have you ever owned shares?","start":1044.9501,"end":1046.3301,"sentiment":"neutral","sentiment_score":-0.007878044806420802}],"sentiment":"neutral","sentiment_score":-0.007878044806420802,"channel":0,"num_words":5,"start":1044.9501,"end":1046.3301},{"sentences":[{"text":"No.","start":1046.7051,"end":1047.2051,"sentiment":"neutral","sentiment_score":-0.08428982645273209}],"sentiment":"neutral","sentiment_score":-0.08428982645273209,"channel":1,"num_words":1,"start":1046.7051,"end":1047.2051},{"sentences":[{"text":"Nope.","start":1047.03,"end":1047.35,"sentiment":"neutral","sentiment_score":-0.09187284111976624},{"text":"That's okay.","start":1047.35,"end":1048.17,"sentiment":"neutral","sentiment_score":-0.042552610859274864},{"text":"In the event that, say, the market took a big dive, say, 20% or more in the next one to two years, how do you think you might be feeling?","start":1048.79,"end":1056.385,"sentiment":"neutral","sentiment_score":-0.03447686483462652},{"text":"Do you think you'd be okay?","start":1056.385,"end":1057.845,"sentiment":"neutral","sentiment_score":-0.03594331257045269},{"text":"The buying opportunity, you're not retiring yet, you'll hold and wait, or do you think you'd be a bit more concerned than maybe contacting us?","start":1057.985,"end":1064.3049,"sentiment":"neutral","sentiment_score":-0.09995069041848183}],"sentiment":"neutral","sentiment_score":-0.06133923662127927,"channel":0,"num_words":64,"start":1047.03,"end":1064.3049},{"sentences":[{"text":"How do you think you might feel in that instance?","start":1064.3049,"end":1066.245,"sentiment":"neutral","sentiment_score":-0.03248207233846188}],"sentiment":"neutral","sentiment_score":-0.03248207233846188,"channel":0,"num_words":10,"start":1064.3049,"end":1066.245},{"sentences":[{"text":"Good question.","start":1067.595,"end":1068.415,"sentiment":"neutral","sentiment_score":0.0833461843430996},{"text":"I suppose yeah.","start":1070.555,"end":1072.635,"sentiment":"neutral","sentiment_score":0.024266803016265232},{"text":"Look.","start":1072.635,"end":1072.875,"sentiment":"neutral","sentiment_score":-0.014159033074975014},{"text":"I mean, I'd still be comfortable, I think.","start":1072.875,"end":1075.055,"sentiment":"neutral","sentiment_score":0.13484852761030197}],"sentiment":"neutral","sentiment_score":0.09315156896731683,"channel":1,"num_words":14,"start":1067.595,"end":1075.055},{"sentences":[{"text":"Yep.","start":1075.48,"end":1075.8,"sentiment":"neutral","sentiment_score":0.11434167623519896},{"text":"Yep.","start":1075.8,"end":1076.04,"sentiment":"neutral","sentiment_score":0.11666010320186616},{"text":"That's okay.","start":1076.04,"end":1076.68,"sentiment":"neutral","sentiment_score":0.26771970093250275},{"text":"Maybe give us a call, see what's happening, and,","start":1076.68,"end":1079.1001,"sentiment":"neutral","sentiment_score":0.09525613362590472}],"sentiment":"neutral","sentiment_score":0.1249035679950164,"channel":0,"num_words":13,"start":1075.48,"end":1079.1001},{"sentences":[{"text":"Yeah.","start":1078.875,"end":1079.1951,"sentiment":"neutral","sentiment_score":0.0798218846321106},{"text":"Yep.","start":1079.1951,"end":1079.6951,"sentiment":"neutral","sentiment_score":0.09919409453868866}],"sentiment":"neutral","sentiment_score":0.08950798958539963,"channel":1,"num_words":2,"start":1078.875,"end":1079.6951},{"sentences":[{"text":"yeah, have a chat about it.","start":1079.8,"end":1081.0801,"sentiment":"neutral","sentiment_score":0.1240367665886879},{"text":"Beautiful.","start":1081.0801,"end":1081.5801,"sentiment":"positive","sentiment_score":0.677829384803772},{"text":"All good.","start":1081.8,"end":1082.54,"sentiment":"positive","sentiment_score":0.6413348615169525},{"text":"The other question I'd like to sort of go through is, you know, we're all looking to try and get the best returns we possibly can out of our super.","start":1083.4349,"end":1089.5349,"sentiment":"neutral","sentiment_score":0.02935730032622814},{"text":"But when you think of yourself and the type of risk level that you're undertaking, do you consider yourself comfortable taking on a higher level of risk to obtain greater potential returns, or do you feel you're more in the middle, medium range?","start":1089.755,"end":1102.89,"sentiment":"neutral","sentiment_score":-0.0749472938477993}],"sentiment":"neutral","sentiment_score":0.00442323270367413,"channel":0,"num_words":82,"start":1079.8,"end":1102.89},{"sentences":[{"text":"You are comfortable with a moderate amount of risk trying to get the best returns you possibly can, or do you consider yourself not comfortable taking on any risk and receiving lower rates of returns because","start":1102.89,"end":1112.855,"sentiment":"neutral","sentiment_score":-0.09736995740483205}],"sentiment":"neutral","sentiment_score":-0.09736995740483205,"channel":0,"num_words":36,"start":1102.89,"end":1112.855},{"sentences":[{"text":"No.","start":1112.55,"end":1112.79,"sentiment":"neutral","sentiment_score":-0.08738245069980621},{"text":"Probably","start":1112.79,"end":1113.1101,"sentiment":"neutral","sentiment_score":-0.05943237245082855}],"sentiment":"neutral","sentiment_score":-0.07340741157531738,"channel":1,"num_words":2,"start":1112.55,"end":1113.1101},{"sentences":[{"text":"of that?","start":1112.855,"end":1113.1749,"sentiment":"neutral","sentiment_score":-0.07393727079033852}],"sentiment":"neutral","sentiment_score":-0.07393727079033852,"channel":0,"num_words":2,"start":1112.855,"end":1113.1749},{"sentences":[{"text":"the","start":1113.1101,"end":1113.3501,"sentiment":"neutral","sentiment_score":-0.041975248605012894}],"sentiment":"neutral","sentiment_score":-0.041975248605012894,"channel":1,"num_words":1,"start":1113.1101,"end":1113.3501},{"sentences":[{"text":"Where","start":1113.1749,"end":1113.4149,"sentiment":"neutral","sentiment_score":-0.02891615219414234}],"sentiment":"neutral","sentiment_score":-0.02891615219414234,"channel":0,"num_words":1,"start":1113.1749,"end":1113.4149},{"sentences":[{"text":"the","start":1113.3501,"end":1113.67,"sentiment":"neutral","sentiment_score":-0.024220209568738937}],"sentiment":"neutral","sentiment_score":-0.024220209568738937,"channel":1,"num_words":1,"start":1113.3501,"end":1113.67},{"sentences":[{"text":"do you think","start":1113.4149,"end":1113.895,"sentiment":"neutral","sentiment_score":-0.02719298501809438}],"sentiment":"neutral","sentiment_score":-0.02719298501809438,"channel":0,"num_words":3,"start":1113.4149,"end":1113.895},{"sentences":[{"text":"moderate","start":1113.67,"end":1114.17,"sentiment":"neutral","sentiment_score":-0.03500647842884064}],"sentiment":"neutral","sentiment_score":-0.03500647842884064,"channel":1,"num_words":1,"start":1113.67,"end":1114.17},{"sentences":[{"text":"you fit?","start":1113.895,"end":1114.5549,"sentiment":"neutral","sentiment_score":-0.03339134156703949}],"sentiment":"neutral","sentiment_score":-0.03339134156703949,"channel":0,"num_words":2,"start":1113.895,"end":1114.5549},{"sentences":[{"text":"in the middle.","start":1114.2301,"end":1115.05,"sentiment":"neutral","sentiment_score":-0.025628880287210148}],"sentiment":"neutral","sentiment_score":-0.025628880287210148,"channel":1,"num_words":3,"start":1114.2301,"end":1115.05},{"sentences":[{"text":"The medium?","start":1114.9349,"end":1115.6749,"sentiment":"neutral","sentiment_score":0.0009880582801997662},{"text":"Yep.","start":1115.815,"end":1116.315,"sentiment":"neutral","sentiment_score":0.09265026450157166},{"text":"Beautiful.","start":1117.255,"end":1117.755,"sentiment":"neutral","sentiment_score":0.2868441939353943},{"text":"And have you ever thought about borrowing from a bank or financial institution in order to invest in shares or managed funds, or would you only ever do that for, say,","start":1118.375,"end":1126.59,"sentiment":"neutral","sentiment_score":0.021736059172619736}],"sentiment":"neutral","sentiment_score":0.03015109740995935,"channel":0,"num_words":35,"start":1114.9349,"end":1126.59},{"sentences":[{"text":"Yeah.","start":1127.9651,"end":1128.365,"sentiment":"neutral","sentiment_score":0.017211269587278366},{"text":"The second of the two options.","start":1128.365,"end":1129.875,"sentiment":"neutral","sentiment_score":0.014353904717912277}],"sentiment":"neutral","sentiment_score":0.014762099699250289,"channel":1,"num_words":7,"start":1127.9651,"end":1129.875},{"sentences":[{"text":"property?","start":1129.71,"end":1130.21,"sentiment":"neutral","sentiment_score":0.012421371415257454}],"sentiment":"neutral","sentiment_score":0.012421371415257454,"channel":0,"num_words":1,"start":1129.71,"end":1130.21},{"sentences":[{"text":"I'd yeah.","start":1129.875,"end":1130.7051,"sentiment":"neutral","sentiment_score":0.04004494659602642}],"sentiment":"neutral","sentiment_score":0.04004494659602642,"channel":1,"num_words":2,"start":1129.875,"end":1130.7051},{"sentences":[{"text":"Yep.","start":1130.51,"end":1131.01,"sentiment":"neutral","sentiment_score":0.05903124064207077},{"text":"Property.","start":1131.39,"end":1131.89,"sentiment":"neutral","sentiment_score":0.06794536113739014},{"text":"That's okay.","start":1132.59,"end":1133.23,"sentiment":"neutral","sentiment_score":0.10830512270331383},{"text":"Do you wanna own more property in the future, or you're happy this is your main primary residence?","start":1133.23,"end":1137.33,"sentiment":"neutral","sentiment_score":0.08380075575162967},{"text":"What's the","start":1137.39,"end":1137.87,"sentiment":"neutral","sentiment_score":0.034407006576657295}],"sentiment":"neutral","sentiment_score":0.08003393599453072,"channel":0,"num_words":24,"start":1130.51,"end":1137.87},{"sentences":[{"text":"Just","start":1137.8201,"end":1137.9801,"sentiment":"neutral","sentiment_score":0.09488584846258163}],"sentiment":"neutral","sentiment_score":0.09488584846258163,"channel":1,"num_words":1,"start":1137.8201,"end":1137.9801},{"sentences":[{"text":"sort","start":1137.87,"end":1138.0299,"sentiment":"neutral","sentiment_score":0.15148627758026123}],"sentiment":"neutral","sentiment_score":0.15148627758026123,"channel":0,"num_words":1,"start":1137.87,"end":1138.0299},{"sentences":[{"text":"happy","start":1137.9801,"end":1138.3,"sentiment":"neutral","sentiment_score":0.21145077049732208}],"sentiment":"neutral","sentiment_score":0.21145077049732208,"channel":1,"num_words":1,"start":1137.9801,"end":1138.3},{"sentences":[{"text":"of goal","start":1138.0299,"end":1138.51,"sentiment":"neutral","sentiment_score":0.19682522863149643}],"sentiment":"neutral","sentiment_score":0.19682522863149643,"channel":0,"num_words":2,"start":1138.0299,"end":1138.51},{"sentences":[{"text":"with my","start":1138.3,"end":1138.7001,"sentiment":"neutral","sentiment_score":0.17125526815652847}],"sentiment":"neutral","sentiment_score":0.17125526815652847,"channel":1,"num_words":2,"start":1138.3,"end":1138.7001},{"sentences":[{"text":"property","start":1138.51,"end":1139.01,"sentiment":"neutral","sentiment_score":0.22283753752708435}],"sentiment":"neutral","sentiment_score":0.22283753752708435,"channel":0,"num_words":1,"start":1138.51,"end":1139.01},{"sentences":[{"text":"main primary residence at this stage.","start":1138.7001,"end":1140.64,"sentiment":"neutral","sentiment_score":0.1884557381272316}],"sentiment":"neutral","sentiment_score":0.1884557381272316,"channel":1,"num_words":6,"start":1138.7001,"end":1140.64},{"sentences":[{"text":"Yep.","start":1140.365,"end":1140.865,"sentiment":"neutral","sentiment_score":0.1632538139820099},{"text":"That's absolutely fine.","start":1141.1649,"end":1142.7849,"sentiment":"neutral","sentiment_score":0.3196260134379069},{"text":"So looking at that, you have scored there in that growth range.","start":1143.645,"end":1146.5249,"sentiment":"neutral","sentiment_score":0.17417404552300772},{"text":"So it sees an eighty twenty split to 80% growth assets like Australian international shares, listed property,","start":1146.5249,"end":1152.445,"sentiment":"neutral","sentiment_score":0.11215197557912153}],"sentiment":"neutral","sentiment_score":0.1551152722853603,"channel":0,"num_words":33,"start":1140.365,"end":1152.445},{"sentences":[{"text":"Mhmm.","start":1152.14,"end":1152.64,"sentiment":"neutral","sentiment_score":0.07813599705696106}],"sentiment":"neutral","sentiment_score":0.07813599705696106,"channel":1,"num_words":1,"start":1152.14,"end":1152.64},{"sentences":[{"text":"and commodities like gold and silver, and then 20% in low risk defensive investments like cash, bonds, and fixed interest.","start":1152.445,"end":1159.4901,"sentiment":"neutral","sentiment_score":0.07640361953526735},{"text":"This","start":1159.9501,"end":1160.1901,"sentiment":"neutral","sentiment_score":0.044888243079185486}],"sentiment":"neutral","sentiment_score":0.07490288732307297,"channel":0,"num_words":21,"start":1152.445,"end":1160.1901},{"sentences":[{"text":"Yep.","start":1159.995,"end":1160.495,"sentiment":"neutral","sentiment_score":0.046573489904403687}],"sentiment":"neutral","sentiment_score":0.046573489904403687,"channel":1,"num_words":1,"start":1159.995,"end":1160.495},{"sentences":[{"text":"suits someone who has at least six years before accessing their money.","start":1160.1901,"end":1163.4701,"sentiment":"neutral","sentiment_score":0.002659341941277186},{"text":"You've got more than that ahead of you.","start":1163.4701,"end":1165.65,"sentiment":"neutral","sentiment_score":-0.021950724301859736}],"sentiment":"neutral","sentiment_score":-0.007184684555977583,"channel":0,"num_words":20,"start":1160.1901,"end":1165.65},{"sentences":[{"text":"Mhmm.","start":1165.8351,"end":1166.3351,"sentiment":"neutral","sentiment_score":-0.07420677691698074}],"sentiment":"neutral","sentiment_score":-0.07420677691698074,"channel":1,"num_words":1,"start":1165.8351,"end":1166.3351},{"sentences":[{"text":"We do expect a likelihood of a negative return, say, one in every five years.","start":1166.03,"end":1170.345,"sentiment":"neutral","sentiment_score":-0.21025626957416535},{"text":"And as I said before, we're kind of, wanting to try and get about seven to 9% on a yearly basis.","start":1170.345,"end":1175.545,"sentiment":"neutral","sentiment_score":-0.08313041854472387},{"text":"So anything over that 9% isn't over full performance.","start":1175.545,"end":1178.525,"sentiment":"neutral","sentiment_score":-0.08414758824639851},{"text":"It's done really well.","start":1178.585,"end":1179.885,"sentiment":"neutral","sentiment_score":0.24259667471051216},{"text":"Anything under","start":1179.9451,"end":1180.585,"sentiment":"neutral","sentiment_score":-0.0465359091758728}],"sentiment":"neutral","sentiment_score":-0.09371757346625421,"channel":0,"num_words":51,"start":1166.03,"end":1180.585},{"sentences":[{"text":"Mhmm.","start":1180.5,"end":1181.0,"sentiment":"neutral","sentiment_score":-0.030363639816641808}],"sentiment":"neutral","sentiment_score":-0.030363639816641808,"channel":1,"num_words":1,"start":1180.5,"end":1181.0},{"sentences":[{"text":"that 7% isn't under performance, and we wanna make sure that it's either the performance of the fund, like what's happening within the individual investments, or if it's because of market reactions, then it's completely understandable.","start":1180.585,"end":1192.5,"sentiment":"neutral","sentiment_score":-0.041233094693678946},{"text":"Okay?","start":1192.96,"end":1193.44,"sentiment":"neutral","sentiment_score":0.016394775360822678}],"sentiment":"neutral","sentiment_score":-0.03967558469220593,"channel":0,"num_words":37,"start":1180.585,"end":1193.44},{"sentences":[{"text":"Yeah.","start":1193.205,"end":1193.605,"sentiment":"neutral","sentiment_score":0.018018458038568497}],"sentiment":"neutral","sentiment_score":0.018018458038568497,"channel":1,"num_words":1,"start":1193.205,"end":1193.605},{"sentences":[{"text":"Does that","start":1193.44,"end":1193.84,"sentiment":"neutral","sentiment_score":0.020847758278250694}],"sentiment":"neutral","sentiment_score":0.020847758278250694,"channel":0,"num_words":2,"start":1193.44,"end":1193.84},{"sentences":[{"text":"Yeah.","start":1193.605,"end":1194.105,"sentiment":"neutral","sentiment_score":0.03961167857050896}],"sentiment":"neutral","sentiment_score":0.03961167857050896,"channel":1,"num_words":1,"start":1193.605,"end":1194.105},{"sentences":[{"text":"all make sense?","start":1193.84,"end":1194.6399,"sentiment":"neutral","sentiment_score":0.05277310311794281},{"text":"Do you have questions?","start":1194.6399,"end":1195.7799,"sentiment":"neutral","sentiment_score":0.02449190244078636}],"sentiment":"neutral","sentiment_score":0.03661241701671055,"channel":0,"num_words":7,"start":1193.84,"end":1195.7799},{"sentences":[{"text":"Yeah.","start":1195.445,"end":1195.945,"sentiment":"neutral","sentiment_score":0.10283434391021729}],"sentiment":"neutral","sentiment_score":0.10283434391021729,"channel":1,"num_words":1,"start":1195.445,"end":1195.945},{"sentences":[{"text":"You're welcome to let me know if you do.","start":1195.84,"end":1197.525,"sentiment":"positive","sentiment_score":0.3772465768787596}],"sentiment":"positive","sentiment_score":0.3772465768787596,"channel":0,"num_words":9,"start":1195.84,"end":1197.525},{"sentences":[{"text":"No.","start":1198.26,"end":1198.5,"sentiment":"neutral","sentiment_score":0.023596007376909256},{"text":"No.","start":1198.5,"end":1198.6599,"sentiment":"neutral","sentiment_score":0.0421077199280262},{"text":"That's all pretty good.","start":1198.6599,"end":1199.62,"sentiment":"neutral","sentiment_score":0.2568092346191406},{"text":"Yep.","start":1199.62,"end":1200.12,"sentiment":"neutral","sentiment_score":0.320514976978302}],"sentiment":"neutral","sentiment_score":0.20192223467997142,"channel":1,"num_words":7,"start":1198.26,"end":1200.12},{"sentences":[{"text":"Fantastic.","start":1200.725,"end":1201.225,"sentiment":"positive","sentiment_score":0.6240946650505066},{"text":"The only other thing now just updating here, you said you're not really saving much at the moment.","start":1202.485,"end":1206.645,"sentiment":"neutral","sentiment_score":-0.07723911520507601},{"text":"Everything's kinda going into your expenditure.","start":1206.645,"end":1208.905,"sentiment":"neutral","sentiment_score":-0.07569356200595696}],"sentiment":"neutral","sentiment_score":-0.048814831227064134,"channel":0,"num_words":25,"start":1200.725,"end":1208.905},{"sentences":[{"text":"Yeah.","start":1209.7799,"end":1210.02,"sentiment":"neutral","sentiment_score":-0.12094898521900176},{"text":"That's very tight.","start":1210.02,"end":1211.1599,"sentiment":"neutral","sentiment_score":-0.1471705287694931}],"sentiment":"neutral","sentiment_score":-0.14061514288187027,"channel":1,"num_words":4,"start":1209.7799,"end":1211.1599},{"sentences":[{"text":"If yeah.","start":1210.965,"end":1212.185,"sentiment":"neutral","sentiment_score":0.1063678227365017},{"text":"Perfect.","start":1212.9,"end":1213.3,"sentiment":"positive","sentiment_score":0.5216397047042847},{"text":"So I'll keep you in that kind of growth environment there.","start":1213.3,"end":1216.28,"sentiment":"positive","sentiment_score":0.3835390968756242}],"sentiment":"positive","sentiment_score":0.3538075297006539,"channel":0,"num_words":14,"start":1210.965,"end":1216.28},{"sentences":[{"text":"Mhmm.","start":1216.745,"end":1217.245,"sentiment":"neutral","sentiment_score":0.04429033026099205}],"sentiment":"neutral","sentiment_score":0.04429033026099205,"channel":1,"num_words":1,"start":1216.745,"end":1217.245},{"sentences":[{"text":"The next sort of five to six years, we have medium term goals here is that yourself and Katrina, your main focus there was to ensure that the kids have what they need and to take each day as it comes and to take some small family trips away.","start":1217.3,"end":1232.1849,"sentiment":"neutral","sentiment_score":0.10855914066944804}],"sentiment":"neutral","sentiment_score":0.10855914066944804,"channel":0,"num_words":49,"start":1217.3,"end":1232.1849},{"sentences":[{"text":"Mhmm.","start":1232.63,"end":1232.87,"sentiment":"neutral","sentiment_score":0.037840165197849274},{"text":"Yeah.","start":1232.87,"end":1233.1901,"sentiment":"neutral","sentiment_score":0.05760148912668228}],"sentiment":"neutral","sentiment_score":0.04772082716226578,"channel":1,"num_words":2,"start":1232.63,"end":1233.1901},{"sentences":[{"text":"Is that","start":1232.965,"end":1233.365,"sentiment":"neutral","sentiment_score":0.07179042510688305}],"sentiment":"neutral","sentiment_score":0.07179042510688305,"channel":0,"num_words":2,"start":1232.965,"end":1233.365},{"sentences":[{"text":"That'd be","start":1233.1901,"end":1233.51,"sentiment":"neutral","sentiment_score":0.19077488780021665}],"sentiment":"neutral","sentiment_score":0.19077488780021665,"channel":1,"num_words":2,"start":1233.1901,"end":1233.51},{"sentences":[{"text":"still","start":1233.365,"end":1233.605,"sentiment":"neutral","sentiment_score":0.2573480010032654}],"sentiment":"neutral","sentiment_score":0.2573480010032654,"channel":0,"num_words":1,"start":1233.365,"end":1233.605},{"sentences":[{"text":"nice.","start":1233.51,"end":1234.01,"sentiment":"neutral","sentiment_score":0.2902836799621582}],"sentiment":"neutral","sentiment_score":0.2902836799621582,"channel":1,"num_words":1,"start":1233.51,"end":1234.01},{"sentences":[{"text":"kind of your medium term goal?","start":1233.605,"end":1235.385,"sentiment":"neutral","sentiment_score":0.11224368338783582},{"text":"Have you been able to do that?","start":1235.445,"end":1237.065,"sentiment":"neutral","sentiment_score":0.08385595892156873}],"sentiment":"neutral","sentiment_score":0.09695798559830739,"channel":0,"num_words":13,"start":1233.605,"end":1237.065},{"sentences":[{"text":"Yeah.","start":1238.325,"end":1238.565,"sentiment":"neutral","sentiment_score":0.03752563521265984},{"text":"Look.","start":1238.565,"end":1238.8049,"sentiment":"neutral","sentiment_score":0.03870151191949845},{"text":"I'm probably over the last twelve months, and we've got in the right months.","start":1238.8049,"end":1241.0449,"sentiment":"neutral","sentiment_score":0.032294594549707005},{"text":"But, yeah, we can kinda need to be able to do it more I'd like to be able to do it more","start":1241.0449,"end":1244.085,"sentiment":"neutral","sentiment_score":0.028487649322910744}],"sentiment":"neutral","sentiment_score":0.03039683568242349,"channel":1,"num_words":38,"start":1238.325,"end":1244.085},{"sentences":[{"text":"Yeah.","start":1243.9801,"end":1244.4801,"sentiment":"neutral","sentiment_score":0.02000647410750389}],"sentiment":"neutral","sentiment_score":0.02000647410750389,"channel":0,"num_words":1,"start":1243.9801,"end":1244.4801},{"sentences":[{"text":"often.","start":1244.085,"end":1244.585,"sentiment":"neutral","sentiment_score":0.027462903410196304}],"sentiment":"neutral","sentiment_score":0.027462903410196304,"channel":1,"num_words":1,"start":1244.085,"end":1244.585},{"sentences":[{"text":"Have you got any kind of ideas on where you'd like to go?","start":1246.8601,"end":1249.8201,"sentiment":"neutral","sentiment_score":0.05278317315074114},{"text":"What kind of camping or a bit further","start":1249.8201,"end":1252.4601,"sentiment":"neutral","sentiment_score":0.02997232833877206}],"sentiment":"neutral","sentiment_score":0.04409332750808625,"channel":0,"num_words":21,"start":1246.8601,"end":1252.4601},{"sentences":[{"text":"Not","start":1252.35,"end":1252.75,"sentiment":"neutral","sentiment_score":-0.01189035177230835}],"sentiment":"neutral","sentiment_score":-0.01189035177230835,"channel":1,"num_words":1,"start":1252.35,"end":1252.75},{"sentences":[{"text":"away?","start":1252.4601,"end":1252.9601,"sentiment":"neutral","sentiment_score":-0.024345196783542633}],"sentiment":"neutral","sentiment_score":-0.024345196783542633,"channel":0,"num_words":1,"start":1252.4601,"end":1252.9601},{"sentences":[{"text":"really at this stage.","start":1252.75,"end":1253.55,"sentiment":"neutral","sentiment_score":-0.04259828012436628},{"text":"As I said, it's just sort of, yeah, focus on the main goal at the moment, which is just, yeah, making the end thing.","start":1253.55,"end":1259.97,"sentiment":"neutral","sentiment_score":0.01134468118349711}],"sentiment":"neutral","sentiment_score":0.00363854385380234,"channel":1,"num_words":28,"start":1252.75,"end":1259.97},{"sentences":[{"text":"Yeah.","start":1260.5951,"end":1260.995,"sentiment":"neutral","sentiment_score":0.09336943179368971},{"text":"Absolutely.","start":1260.995,"end":1261.495,"sentiment":"neutral","sentiment_score":0.17833644151687622},{"text":"Absolutely.","start":1261.875,"end":1262.375,"sentiment":"neutral","sentiment_score":0.14246726036071777},{"text":"And we wanted to one of the goals I had noted here was that by the time you do retire at 60, you wanna be completely debt free and have that mortgage down.","start":1262.515,"end":1270.375,"sentiment":"neutral","sentiment_score":0.12493791566653685}],"sentiment":"neutral","sentiment_score":0.12603123196297222,"channel":0,"num_words":36,"start":1260.5951,"end":1270.375},{"sentences":[{"text":"Yeah.","start":1270.615,"end":1270.855,"sentiment":"neutral","sentiment_score":0.04045674204826355}],"sentiment":"neutral","sentiment_score":0.04045674204826355,"channel":1,"num_words":1,"start":1270.615,"end":1270.855},{"sentences":[{"text":"When you","start":1270.6699,"end":1270.99,"sentiment":"neutral","sentiment_score":0.027589675039052963}],"sentiment":"neutral","sentiment_score":0.027589675039052963,"channel":0,"num_words":2,"start":1270.6699,"end":1270.99},{"sentences":[{"text":"That's","start":1270.855,"end":1271.095,"sentiment":"neutral","sentiment_score":0.046662092208862305}],"sentiment":"neutral","sentiment_score":0.046662092208862305,"channel":1,"num_words":1,"start":1270.855,"end":1271.095},{"sentences":[{"text":"think","start":1270.99,"end":1271.15,"sentiment":"neutral","sentiment_score":0.052682116627693176}],"sentiment":"neutral","sentiment_score":0.052682116627693176,"channel":0,"num_words":1,"start":1270.99,"end":1271.15},{"sentences":[{"text":"correct.","start":1271.095,"end":1271.595,"sentiment":"neutral","sentiment_score":0.03724721446633339}],"sentiment":"neutral","sentiment_score":0.03724721446633339,"channel":1,"num_words":1,"start":1271.095,"end":1271.595},{"sentences":[{"text":"about your","start":1271.15,"end":1271.7899,"sentiment":"neutral","sentiment_score":0.014270155690610409}],"sentiment":"neutral","sentiment_score":0.014270155690610409,"channel":0,"num_words":2,"start":1271.15,"end":1271.7899},{"sentences":[{"text":"Yeah.","start":1271.7473,"end":1272.2473,"sentiment":"neutral","sentiment_score":0.015535114333033562}],"sentiment":"neutral","sentiment_score":0.015535114333033562,"channel":1,"num_words":1,"start":1271.7473,"end":1272.2473},{"sentences":[{"text":"mortgage, is","start":1271.7899,"end":1272.4299,"sentiment":"neutral","sentiment_score":0.0052194735035300255}],"sentiment":"neutral","sentiment_score":0.0052194735035300255,"channel":0,"num_words":2,"start":1271.7899,"end":1272.4299},{"sentences":[{"text":"That's","start":1272.3997,"end":1272.8997,"sentiment":"neutral","sentiment_score":0.02181403338909149}],"sentiment":"neutral","sentiment_score":0.02181403338909149,"channel":1,"num_words":1,"start":1272.3997,"end":1272.8997},{"sentences":[{"text":"there kind of, like,","start":1272.4299,"end":1273.07,"sentiment":"neutral","sentiment_score":0.029188495129346848}],"sentiment":"neutral","sentiment_score":0.029188495129346848,"channel":0,"num_words":4,"start":1272.4299,"end":1273.07},{"sentences":[{"text":"basically","start":1273.0519,"end":1273.5519,"sentiment":"neutral","sentiment_score":0.04350511357188225}],"sentiment":"neutral","sentiment_score":0.04350511357188225,"channel":1,"num_words":1,"start":1273.0519,"end":1273.5519},{"sentences":[{"text":"a goal amount","start":1273.07,"end":1273.7899,"sentiment":"neutral","sentiment_score":0.08880115797122319}],"sentiment":"neutral","sentiment_score":0.08880115797122319,"channel":0,"num_words":3,"start":1273.07,"end":1273.7899},{"sentences":[{"text":"just","start":1273.7042,"end":1274.2042,"sentiment":"neutral","sentiment_score":0.05063648521900177}],"sentiment":"neutral","sentiment_score":0.05063648521900177,"channel":1,"num_words":1,"start":1273.7042,"end":1274.2042},{"sentences":[{"text":"that you're hoping","start":1273.7899,"end":1274.4299,"sentiment":"neutral","sentiment_score":0.05613234390815099}],"sentiment":"neutral","sentiment_score":0.05613234390815099,"channel":0,"num_words":3,"start":1273.7899,"end":1274.4299},{"sentences":[{"text":"hack","start":1274.3566,"end":1274.8566,"sentiment":"neutral","sentiment_score":0.09812723100185394}],"sentiment":"neutral","sentiment_score":0.09812723100185394,"channel":1,"num_words":1,"start":1274.3566,"end":1274.8566},{"sentences":[{"text":"to have paid","start":1274.4299,"end":1275.07,"sentiment":"neutral","sentiment_score":0.08643945927421252}],"sentiment":"neutral","sentiment_score":0.08643945927421252,"channel":0,"num_words":3,"start":1274.4299,"end":1275.07},{"sentences":[{"text":"out","start":1275.0089,"end":1275.5089,"sentiment":"neutral","sentiment_score":0.09677845239639282}],"sentiment":"neutral","sentiment_score":0.09677845239639282,"channel":1,"num_words":1,"start":1275.0089,"end":1275.5089},{"sentences":[{"text":"off over the next","start":1275.07,"end":1275.7899,"sentiment":"neutral","sentiment_score":0.08102552406489849}],"sentiment":"neutral","sentiment_score":0.08102552406489849,"channel":0,"num_words":4,"start":1275.07,"end":1275.7899},{"sentences":[{"text":"of","start":1275.6611,"end":1276.1611,"sentiment":"neutral","sentiment_score":0.05515649542212486}],"sentiment":"neutral","sentiment_score":0.05515649542212486,"channel":1,"num_words":1,"start":1275.6611,"end":1276.1611},{"sentences":[{"text":"sort of five","start":1275.7899,"end":1276.35,"sentiment":"neutral","sentiment_score":0.06698522592584293}],"sentiment":"neutral","sentiment_score":0.06698522592584293,"channel":0,"num_words":3,"start":1275.7899,"end":1276.35},{"sentences":[{"text":"this","start":1276.3135,"end":1276.8135,"sentiment":"neutral","sentiment_score":0.06929510086774826}],"sentiment":"neutral","sentiment_score":0.06929510086774826,"channel":1,"num_words":1,"start":1276.3135,"end":1276.8135},{"sentences":[{"text":"to ten years, or","start":1276.35,"end":1277.15,"sentiment":"neutral","sentiment_score":0.058835201896727085}],"sentiment":"neutral","sentiment_score":0.058835201896727085,"channel":0,"num_words":4,"start":1276.35,"end":1277.15},{"sentences":[{"text":"as","start":1276.9658,"end":1277.4658,"sentiment":"neutral","sentiment_score":0.0420587994158268}],"sentiment":"neutral","sentiment_score":0.0420587994158268,"channel":1,"num_words":1,"start":1276.9658,"end":1277.4658},{"sentences":[{"text":"you're just trying","start":1277.15,"end":1277.7899,"sentiment":"neutral","sentiment_score":0.0694170892238617}],"sentiment":"neutral","sentiment_score":0.0694170892238617,"channel":0,"num_words":3,"start":1277.15,"end":1277.7899},{"sentences":[{"text":"not","start":1277.6182,"end":1278.1182,"sentiment":"neutral","sentiment_score":0.07215415686368942}],"sentiment":"neutral","sentiment_score":0.07215415686368942,"channel":1,"num_words":1,"start":1277.6182,"end":1278.1182},{"sentences":[{"text":"to sort of hack","start":1277.7899,"end":1278.4299,"sentiment":"neutral","sentiment_score":0.007935425266623497}],"sentiment":"neutral","sentiment_score":0.007935425266623497,"channel":0,"num_words":4,"start":1277.7899,"end":1278.4299},{"sentences":[{"text":"to","start":1278.2704,"end":1278.7704,"sentiment":"neutral","sentiment_score":0.045241571962833405}],"sentiment":"neutral","sentiment_score":0.045241571962833405,"channel":1,"num_words":1,"start":1278.2704,"end":1278.7704},{"sentences":[{"text":"at it as much","start":1278.4299,"end":1279.15,"sentiment":"neutral","sentiment_score":0.07073705643415451}],"sentiment":"neutral","sentiment_score":0.07073705643415451,"channel":0,"num_words":4,"start":1278.4299,"end":1279.15},{"sentences":[{"text":"look","start":1278.9227,"end":1279.4227,"sentiment":"neutral","sentiment_score":0.08256341516971588}],"sentiment":"neutral","sentiment_score":0.08256341516971588,"channel":1,"num_words":1,"start":1278.9227,"end":1279.4227},{"sentences":[{"text":"as you possibly","start":1279.15,"end":1279.87,"sentiment":"neutral","sentiment_score":0.09385320792595546}],"sentiment":"neutral","sentiment_score":0.09385320792595546,"channel":0,"num_words":3,"start":1279.15,"end":1279.87},{"sentences":[{"text":"into","start":1279.5751,"end":1279.895,"sentiment":"neutral","sentiment_score":0.09161222726106644}],"sentiment":"neutral","sentiment_score":0.09161222726106644,"channel":1,"num_words":1,"start":1279.5751,"end":1279.895},{"sentences":[{"text":"can","start":1279.87,"end":1280.11,"sentiment":"neutral","sentiment_score":0.03949543088674545}],"sentiment":"neutral","sentiment_score":0.03949543088674545,"channel":0,"num_words":1,"start":1279.87,"end":1280.11},{"sentences":[{"text":"anything.","start":1279.895,"end":1280.395,"sentiment":"neutral","sentiment_score":0.027515821158885956}],"sentiment":"neutral","sentiment_score":0.027515821158885956,"channel":1,"num_words":1,"start":1279.895,"end":1280.395},{"sentences":[{"text":"and reduce it as quickly as possible?","start":1280.11,"end":1281.89,"sentiment":"neutral","sentiment_score":-0.056651635361569266}],"sentiment":"neutral","sentiment_score":-0.056651635361569266,"channel":0,"num_words":7,"start":1280.11,"end":1281.89},{"sentences":[{"text":"Yeah.","start":1281.82,"end":1281.8314,"sentiment":"neutral","sentiment_score":-0.09147486090660097},{"text":"That's basically just hack out of this as not","start":1281.8314,"end":1282.94,"sentiment":"neutral","sentiment_score":-0.23656035959720612}],"sentiment":"neutral","sentiment_score":-0.2220518097281456,"channel":1,"num_words":10,"start":1281.82,"end":1282.94},{"sentences":[{"text":"Yeah.","start":1282.9099,"end":1283.4099,"sentiment":"neutral","sentiment_score":-0.11609559506177902}],"sentiment":"neutral","sentiment_score":-0.11609559506177902,"channel":0,"num_words":1,"start":1282.9099,"end":1283.4099},{"sentences":[{"text":"to look into that.","start":1282.94,"end":1283.62,"sentiment":"neutral","sentiment_score":-0.12061471492052078},{"text":"I mean","start":1283.62,"end":1284.0599,"sentiment":"neutral","sentiment_score":-0.050607748329639435}],"sentiment":"neutral","sentiment_score":-0.097279059390227,"channel":1,"num_words":6,"start":1282.94,"end":1284.0599},{"sentences":[{"text":"Yeah.","start":1284.6699,"end":1285.1699,"sentiment":"neutral","sentiment_score":-0.031154867261648175},{"text":"Not a problem at all.","start":1285.3099,"end":1286.27,"sentiment":"neutral","sentiment_score":-0.014090104401111603},{"text":"A bit tough for those interest rates going up and down.","start":1286.27,"end":1289.6849,"sentiment":"negative","sentiment_score":-0.4909139627760107},{"text":"A bit of","start":1289.6849,"end":1290.0049,"sentiment":"neutral","sentiment_score":-0.26901790499687195}],"sentiment":"neutral","sentiment_score":-0.315435634739697,"channel":0,"num_words":20,"start":1284.6699,"end":1290.0049},{"sentences":[{"text":"That's","start":1289.98,"end":1290.22,"sentiment":"negative","sentiment_score":-0.5237463712692261}],"sentiment":"negative","sentiment_score":-0.5237463712692261,"channel":1,"num_words":1,"start":1289.98,"end":1290.22},{"sentences":[{"text":"a yoyo","start":1290.0049,"end":1290.485,"sentiment":"negative","sentiment_score":-0.6927138268947601}],"sentiment":"negative","sentiment_score":-0.6927138268947601,"channel":0,"num_words":2,"start":1290.0049,"end":1290.485},{"sentences":[{"text":"something","start":1290.22,"end":1290.5399,"sentiment":"negative","sentiment_score":-0.6932932734489441}],"sentiment":"negative","sentiment_score":-0.6932932734489441,"channel":1,"num_words":1,"start":1290.22,"end":1290.5399},{"sentences":[{"text":"at","start":1290.485,"end":1290.6449,"sentiment":"negative","sentiment_score":-0.7210156917572021}],"sentiment":"negative","sentiment_score":-0.7210156917572021,"channel":0,"num_words":1,"start":1290.485,"end":1290.6449},{"sentences":[{"text":"that's","start":1290.5399,"end":1290.7799,"sentiment":"negative","sentiment_score":-0.6929280757904053}],"sentiment":"negative","sentiment_score":-0.6929280757904053,"channel":1,"num_words":1,"start":1290.5399,"end":1290.7799},{"sentences":[{"text":"the moment","start":1290.6449,"end":1290.925,"sentiment":"negative","sentiment_score":-0.6893020570278168}],"sentiment":"negative","sentiment_score":-0.6893020570278168,"channel":0,"num_words":2,"start":1290.6449,"end":1290.925},{"sentences":[{"text":"killing","start":1290.7799,"end":1291.1,"sentiment":"negative","sentiment_score":-0.7178586721420288}],"sentiment":"negative","sentiment_score":-0.7178586721420288,"channel":1,"num_words":1,"start":1290.7799,"end":1291.1},{"sentences":[{"text":"in","start":1290.925,"end":1291.125,"sentiment":"negative","sentiment_score":-0.6701472401618958}],"sentiment":"negative","sentiment_score":-0.6701472401618958,"channel":0,"num_words":1,"start":1290.925,"end":1291.125},{"sentences":[{"text":"me.","start":1291.1,"end":1291.6,"sentiment":"negative","sentiment_score":-0.5561814904212952}],"sentiment":"negative","sentiment_score":-0.5561814904212952,"channel":1,"num_words":1,"start":1291.1,"end":1291.6},{"sentences":[{"text":"it.","start":1291.125,"end":1291.625,"sentiment":"neutral","sentiment_score":-0.13117477297782898}],"sentiment":"neutral","sentiment_score":-0.13117477297782898,"channel":0,"num_words":1,"start":1291.125,"end":1291.625},{"sentences":[{"text":"Yeah.","start":1291.82,"end":1292.22,"sentiment":"neutral","sentiment_score":-0.03757322579622269},{"text":"Yeah.","start":1292.22,"end":1292.46,"sentiment":"neutral","sentiment_score":-0.004888910800218582},{"text":"It's my phone.","start":1292.46,"end":1293.36,"sentiment":"neutral","sentiment_score":0.04795419083287319}],"sentiment":"neutral","sentiment_score":0.020280087180435658,"channel":1,"num_words":5,"start":1291.82,"end":1293.36},{"sentences":[{"text":"I actually kind of feel for it because, like, my kids are seven 19 and 20, and I have a 10 year old.","start":1292.965,"end":1298.88,"sentiment":"neutral","sentiment_score":0.10478782070719678},{"text":"And, like, I feel for them.","start":1299.04,"end":1300.16,"sentiment":"neutral","sentiment_score":0.18461362831294537},{"text":"I love that my property is increasing in value, but I feel for them because without my assistance, I don't know what they're gonna ever be able to own or buy, and their mortgage payments are gonna be through the roof.","start":1300.16,"end":1309.28,"sentiment":"neutral","sentiment_score":0.16813889027732173},{"text":"And, you","start":1309.28,"end":1309.84,"sentiment":"neutral","sentiment_score":-0.042731450870633125}],"sentiment":"neutral","sentiment_score":0.1434171284135017,"channel":0,"num_words":72,"start":1292.965,"end":1309.84},{"sentences":[{"text":"Yeah.","start":1309.7999,"end":1310.2,"sentiment":"neutral","sentiment_score":-0.018842659890651703}],"sentiment":"neutral","sentiment_score":-0.018842659890651703,"channel":1,"num_words":1,"start":1309.7999,"end":1310.2},{"sentences":[{"text":"know, you've","start":1309.84,"end":1310.24,"sentiment":"neutral","sentiment_score":-0.04804674722254276}],"sentiment":"neutral","sentiment_score":-0.04804674722254276,"channel":0,"num_words":2,"start":1309.84,"end":1310.24},{"sentences":[{"text":"Yeah.","start":1310.2,"end":1310.44,"sentiment":"neutral","sentiment_score":-0.07553428411483765}],"sentiment":"neutral","sentiment_score":-0.07553428411483765,"channel":1,"num_words":1,"start":1310.2,"end":1310.44},{"sentences":[{"text":"got a","start":1310.24,"end":1310.48,"sentiment":"neutral","sentiment_score":-0.11375441402196884}],"sentiment":"neutral","sentiment_score":-0.11375441402196884,"channel":0,"num_words":2,"start":1310.24,"end":1310.48},{"sentences":[{"text":"Exactly","start":1310.44,"end":1310.84,"sentiment":"neutral","sentiment_score":-0.12612801790237427}],"sentiment":"neutral","sentiment_score":-0.12612801790237427,"channel":1,"num_words":1,"start":1310.44,"end":1310.84},{"sentences":[{"text":"couple of","start":1310.48,"end":1310.88,"sentiment":"neutral","sentiment_score":-0.12382426485419273}],"sentiment":"neutral","sentiment_score":-0.12382426485419273,"channel":0,"num_words":2,"start":1310.48,"end":1310.88},{"sentences":[{"text":"right.","start":1310.84,"end":1311.34,"sentiment":"neutral","sentiment_score":-0.1122271940112114}],"sentiment":"neutral","sentiment_score":-0.1122271940112114,"channel":1,"num_words":1,"start":1310.84,"end":1311.34},{"sentences":[{"text":"kids as well, so it's pretty scary on that","start":1310.88,"end":1313.04,"sentiment":"neutral","sentiment_score":-0.2976403584082921}],"sentiment":"neutral","sentiment_score":-0.2976403584082921,"channel":0,"num_words":9,"start":1310.88,"end":1313.04},{"sentences":[{"text":"Yep.","start":1312.84,"end":1313.34,"sentiment":"neutral","sentiment_score":-0.2820891737937927}],"sentiment":"neutral","sentiment_score":-0.2820891737937927,"channel":1,"num_words":1,"start":1312.84,"end":1313.34},{"sentences":[{"text":"behalf, isn't","start":1313.04,"end":1313.625,"sentiment":"neutral","sentiment_score":-0.2006402090191841}],"sentiment":"neutral","sentiment_score":-0.2006402090191841,"channel":0,"num_words":2,"start":1313.04,"end":1313.625},{"sentences":[{"text":"Something that I'm gonna have to look at in the next 10.","start":1313.48,"end":1315.8999,"sentiment":"neutral","sentiment_score":-0.24517275641361871}],"sentiment":"neutral","sentiment_score":-0.24517275641361871,"channel":1,"num_words":12,"start":1313.48,"end":1315.8999},{"sentences":[{"text":"it?","start":1316.265,"end":1316.665,"sentiment":"neutral","sentiment_score":-0.09986896067857742},{"text":"Yeah.","start":1316.665,"end":1317.165,"sentiment":"neutral","sentiment_score":-0.047144412994384766},{"text":"Oh, and because your kids are basically teenagers now, aren't they?","start":1317.625,"end":1321.325,"sentiment":"neutral","sentiment_score":-0.03533390469171784}],"sentiment":"neutral","sentiment_score":-0.041206640406296804,"channel":0,"num_words":13,"start":1316.265,"end":1321.325},{"sentences":[{"text":"Yeah.","start":1321.105,"end":1321.4249,"sentiment":"neutral","sentiment_score":0.022175215184688568},{"text":"14 and 12 is fine.","start":1321.4249,"end":1322.965,"sentiment":"neutral","sentiment_score":0.0691436544060707}],"sentiment":"neutral","sentiment_score":0.06131558120250702,"channel":1,"num_words":6,"start":1321.105,"end":1322.965},{"sentences":[{"text":"Wow.","start":1323.385,"end":1323.885,"sentiment":"neutral","sentiment_score":0.12237630784511566},{"text":"How is that going for you?","start":1324.345,"end":1326.045,"sentiment":"neutral","sentiment_score":0.1564833236237367}],"sentiment":"neutral","sentiment_score":0.1516108927982194,"channel":0,"num_words":7,"start":1323.385,"end":1326.045},{"sentences":[{"text":"Oh, yeah.","start":1326.225,"end":1326.865,"sentiment":"neutral","sentiment_score":0.05326459929347038},{"text":"As good as it is with the lower chain, I just suppose.","start":1326.865,"end":1329.6849,"sentiment":"neutral","sentiment_score":0.1896208804100752}],"sentiment":"neutral","sentiment_score":0.17014141167913163,"channel":1,"num_words":14,"start":1326.225,"end":1329.6849},{"sentences":[{"text":"Yeah.","start":1330.6,"end":1331.0,"sentiment":"neutral","sentiment_score":0.04923087731003761},{"text":"Yeah.","start":1331.0,"end":1331.24,"sentiment":"neutral","sentiment_score":0.038127124309539795},{"text":"Look, they did come out the other side.","start":1331.24,"end":1332.9199,"sentiment":"neutral","sentiment_score":0.030878976685926318},{"text":"My 19 and","start":1332.9199,"end":1333.5599,"sentiment":"neutral","sentiment_score":0.025154054164886475}],"sentiment":"neutral","sentiment_score":0.03152707520012672,"channel":0,"num_words":13,"start":1330.6,"end":1333.5599},{"sentences":[{"text":"Exactly.","start":1333.505,"end":1334.005,"sentiment":"neutral","sentiment_score":0.017970530316233635}],"sentiment":"neutral","sentiment_score":0.017970530316233635,"channel":1,"num_words":1,"start":1333.505,"end":1334.005},{"sentences":[{"text":"20 year old are really good, but I had girls at that point.","start":1333.5599,"end":1336.36,"sentiment":"neutral","sentiment_score":-0.03595840529753612},{"text":"I'm about to go through it with the boys, and I keep saying to my friends, like, any advice on boys is a good thing because it's a whole another kettle of fish.","start":1336.36,"end":1343.34,"sentiment":"neutral","sentiment_score":-0.07745320214466615}],"sentiment":"neutral","sentiment_score":-0.06572641173134679,"channel":0,"num_words":46,"start":1333.5599,"end":1343.34},{"sentences":[{"text":"Yeah.","start":1343.47,"end":1343.7899,"sentiment":"neutral","sentiment_score":0.04110506922006607},{"text":"Very true.","start":1343.7899,"end":1344.35,"sentiment":"neutral","sentiment_score":0.09905647858977318},{"text":"Very true.","start":1344.35,"end":1345.1699,"sentiment":"neutral","sentiment_score":0.09234625846147537}],"sentiment":"neutral","sentiment_score":0.08478210866451263,"channel":1,"num_words":5,"start":1343.47,"end":1345.1699},{"sentences":[{"text":"Yeah.","start":1345.7749,"end":1346.2749,"sentiment":"neutral","sentiment_score":0.04290167987346649},{"text":"No.","start":1346.4149,"end":1346.6549,"sentiment":"neutral","sentiment_score":-0.028221506625413895},{"text":"All good.","start":1346.6549,"end":1347.475,"sentiment":"neutral","sentiment_score":0.05984581634402275},{"text":"That's basically everything I needed to touch on at the moment.","start":1348.015,"end":1350.815,"sentiment":"neutral","sentiment_score":-0.05385643548586152},{"text":"So I'll go back and do some research for you and update the advice around trying to consolidate everything.","start":1350.815,"end":1356.4349,"sentiment":"neutral","sentiment_score":0.026186107510798855}],"sentiment":"neutral","sentiment_score":0.0011613840675529312,"channel":0,"num_words":34,"start":1345.7749,"end":1356.4349},{"sentences":[{"text":"Keep your life in TPD.","start":1356.495,"end":1357.7749,"sentiment":"neutral","sentiment_score":0.047025004774332045},{"text":"We're not gonna focus on any trauma, child trauma, or income protection at the moment.","start":1357.7749,"end":1363.07,"sentiment":"neutral","sentiment_score":-0.02981188173095385},{"text":"We can revisit those down the track if you'd like to.","start":1363.07,"end":1365.8099,"sentiment":"neutral","sentiment_score":0.07354948737404564},{"text":"I'll just focus on getting things consolidated, transferring your life and TPD where appropriate, and altering your investments within Super for you.","start":1366.6699,"end":1374.69,"sentiment":"neutral","sentiment_score":0.17385937002572147},{"text":"The","start":1377.345,"end":1377.585,"sentiment":"neutral","sentiment_score":0.2394283264875412}],"sentiment":"neutral","sentiment_score":0.08632084492731977,"channel":0,"num_words":54,"start":1356.495,"end":1377.585},{"sentences":[{"text":"Perfect.","start":1377.585,"end":1378.085,"sentiment":"neutral","sentiment_score":0.1797221601009369}],"sentiment":"neutral","sentiment_score":0.1797221601009369,"channel":1,"num_words":1,"start":1377.585,"end":1378.085},{"sentences":[{"text":"the and the review pack you will have in your email does have the on your ongoing service agreement for the next twelve months there.","start":1377.585,"end":1383.105,"sentiment":"neutral","sentiment_score":0.060352837666869164},{"text":"So you do pay an ongoing service fee.","start":1383.105,"end":1385.0249,"sentiment":"neutral","sentiment_score":0.02898418717086315},{"text":"It is 1.65% per annum, and it's deducting a smaller monthly increments out of your super for our services there.","start":1385.0249,"end":1391.51,"sentiment":"neutral","sentiment_score":0.03721114434301853},{"text":"If feel free to have you look through that one.","start":1392.05,"end":1394.29,"sentiment":"neutral","sentiment_score":0.06402529068291188},{"text":"I've also got all the documents that we had attached with regard to what I've gone through with your super balance.","start":1394.29,"end":1399.99,"sentiment":"neutral","sentiment_score":0.07573290222457477}],"sentiment":"neutral","sentiment_score":0.05613763308862135,"channel":0,"num_words":84,"start":1377.585,"end":1399.99},{"sentences":[{"text":"It's got an index chart in there showing you market reactions over","start":1400.37,"end":1403.49,"sentiment":"neutral","sentiment_score":0.06567139861484368}],"sentiment":"neutral","sentiment_score":0.06567139861484368,"channel":0,"num_words":12,"start":1400.37,"end":1403.49},{"sentences":[{"text":"Mhmm.","start":1403.45,"end":1403.95,"sentiment":"neutral","sentiment_score":0.04472240433096886}],"sentiment":"neutral","sentiment_score":0.04472240433096886,"channel":1,"num_words":1,"start":1403.45,"end":1403.95},{"sentences":[{"text":"the last thirty years, and it's also got your insurance information there.","start":1403.49,"end":1407.625,"sentiment":"neutral","sentiment_score":0.06768472834179799},{"text":"And I'll get your third party authority done up and also your beneficiary nomination, and we'll get those out to you so we can get that research completed with host cost","start":1407.625,"end":1416.265,"sentiment":"neutral","sentiment_score":0.13676967219479622}],"sentiment":"neutral","sentiment_score":0.11749015298000602,"channel":0,"num_words":43,"start":1403.49,"end":1416.265},{"sentences":[{"text":"Yep.","start":1416.215,"end":1416.715,"sentiment":"neutral","sentiment_score":0.21028147637844088}],"sentiment":"neutral","sentiment_score":0.21028147637844088,"channel":1,"num_words":1,"start":1416.215,"end":1416.715},{"sentences":[{"text":"done in a nice timely manner","start":1416.265,"end":1418.345,"sentiment":"positive","sentiment_score":0.5285874903202057}],"sentiment":"positive","sentiment_score":0.5285874903202057,"channel":0,"num_words":6,"start":1416.265,"end":1418.345},{"sentences":[{"text":"Yeah.","start":1418.1,"end":1418.42,"sentiment":"neutral","sentiment_score":0.2820736765861511}],"sentiment":"neutral","sentiment_score":0.2820736765861511,"channel":1,"num_words":1,"start":1418.1,"end":1418.42},{"sentences":[{"text":"there.","start":1418.345,"end":1418.845,"sentiment":"neutral","sentiment_score":0.25820937752723694}],"sentiment":"neutral","sentiment_score":0.25820937752723694,"channel":0,"num_words":1,"start":1418.345,"end":1418.845},{"sentences":[{"text":"Perfect.","start":1418.42,"end":1418.92,"sentiment":"positive","sentiment_score":0.529066801071167}],"sentiment":"positive","sentiment_score":0.529066801071167,"channel":1,"num_words":1,"start":1418.42,"end":1418.92},{"sentences":[{"text":"Is there anything I may have missed or not touched on that you might have questions about?","start":1419.4401,"end":1423.92,"sentiment":"neutral","sentiment_score":0.03478339522638742},{"text":"Or","start":1423.92,"end":1424.42,"sentiment":"neutral","sentiment_score":-0.04037034884095192}],"sentiment":"neutral","sentiment_score":0.03060818722264634,"channel":0,"num_words":18,"start":1419.4401,"end":1424.42},{"sentences":[{"text":"No.","start":1424.66,"end":1424.8201,"sentiment":"neutral","sentiment_score":-0.11060075461864471},{"text":"I think you've you've touched it all there.","start":1424.8201,"end":1426.5801,"sentiment":"neutral","sentiment_score":-0.04375136597082019},{"text":"She's good.","start":1426.5801,"end":1427.4,"sentiment":"positive","sentiment_score":0.42493607103824615}],"sentiment":"neutral","sentiment_score":0.03538731451738964,"channel":1,"num_words":11,"start":1424.66,"end":1427.4},{"sentences":[{"text":"yeah.","start":1427.36,"end":1427.76,"sentiment":"positive","sentiment_score":0.3476318120956421},{"text":"Beautiful.","start":1427.76,"end":1428.16,"sentiment":"positive","sentiment_score":0.5222188234329224},{"text":"I'm just double checking your ID is up to date because Hostplus will want that with the third party authority.","start":1428.16,"end":1432.845,"sentiment":"neutral","sentiment_score":0.12974893637001514},{"text":"It does look like it's out of date on our file.","start":1433.085,"end":1435.485,"sentiment":"neutral","sentiment_score":-0.004253591664812781},{"text":"So I will just get the team to send you a text message as well if that's okay, and","start":1435.485,"end":1439.565,"sentiment":"neutral","sentiment_score":0.1014528841172394}],"sentiment":"neutral","sentiment_score":0.10280085870852837,"channel":0,"num_words":52,"start":1427.36,"end":1439.565},{"sentences":[{"text":"Yeah.","start":1439.515,"end":1440.015,"sentiment":"neutral","sentiment_score":0.09823882579803468}],"sentiment":"neutral","sentiment_score":0.09823882579803468,"channel":1,"num_words":1,"start":1439.515,"end":1440.015},{"sentences":[{"text":"we'll just get you to update your ID, your license on file there as well.","start":1439.565,"end":1443.245,"sentiment":"neutral","sentiment_score":0.12255747318267822},{"text":"Okay?","start":1443.245,"end":1443.745,"sentiment":"neutral","sentiment_score":0.08306565880775452}],"sentiment":"neutral","sentiment_score":0.12008923478424549,"channel":0,"num_words":16,"start":1439.565,"end":1443.745},{"sentences":[{"text":"Yeah.","start":1443.435,"end":1443.675,"sentiment":"neutral","sentiment_score":0.09501788020133972},{"text":"Not a problem.","start":1443.675,"end":1444.745,"sentiment":"neutral","sentiment_score":0.24677289525667825}],"sentiment":"neutral","sentiment_score":0.20883414149284363,"channel":1,"num_words":4,"start":1443.435,"end":1444.745},{"sentences":[{"text":"Easy.","start":1445.1649,"end":1445.645,"sentiment":"positive","sentiment_score":0.3577805757522583},{"text":"Is there any other questions or anything else that you might have for me at the moment?","start":1445.645,"end":1449.23,"sentiment":"neutral","sentiment_score":0.06674073768012664},{"text":"Or I touch on a lot fast.","start":1449.23,"end":1451.5499,"sentiment":"neutral","sentiment_score":0.024308180702584132},{"text":"Sorry.","start":1451.5499,"end":1452.0499,"sentiment":"neutral","sentiment_score":-0.006745938211679459}],"sentiment":"neutral","sentiment_score":0.06368401703926233,"channel":0,"num_words":26,"start":1445.1649,"end":1452.0499},{"sentences":[{"text":"Yeah.","start":1452.23,"end":1452.47,"sentiment":"neutral","sentiment_score":0.010053948499262331},{"text":"No.","start":1452.47,"end":1452.79,"sentiment":"neutral","sentiment_score":-0.010887758806347849},{"text":"Nothing that I can think of, but not everything's","start":1452.79,"end":1454.79,"sentiment":"neutral","sentiment_score":-0.026900619061456785}],"sentiment":"neutral","sentiment_score":-0.022085398350926964,"channel":1,"num_words":11,"start":1452.23,"end":1454.79},{"sentences":[{"text":"That's","start":1454.6699,"end":1455.07,"sentiment":"neutral","sentiment_score":0.08151870965957642}],"sentiment":"neutral","sentiment_score":0.08151870965957642,"channel":0,"num_words":1,"start":1454.6699,"end":1455.07},{"sentences":[{"text":"fine.","start":1454.79,"end":1455.29,"sentiment":"neutral","sentiment_score":0.14810776710510254}],"sentiment":"neutral","sentiment_score":0.14810776710510254,"channel":1,"num_words":1,"start":1454.79,"end":1455.29},{"sentences":[{"text":"okay.","start":1455.07,"end":1455.57,"sentiment":"neutral","sentiment_score":0.2545032501220703},{"text":"Beautiful.","start":1455.7899,"end":1456.2899,"sentiment":"positive","sentiment_score":0.5797239542007446},{"text":"Beautiful.","start":1456.4299,"end":1456.9299,"sentiment":"positive","sentiment_score":0.6111431121826172},{"text":"We'll get this working for you.","start":1456.99,"end":1458.59,"sentiment":"positive","sentiment_score":0.5601853281259537},{"text":"I'll update the advice in a couple of weeks there.","start":1458.59,"end":1460.805,"sentiment":"neutral","sentiment_score":0.27308834344148636}],"sentiment":"positive","sentiment_score":0.3967034589303167,"channel":0,"num_words":19,"start":1455.07,"end":1460.805},{"sentences":[{"text":"You'll be able to go back and read the advice and decide whether you take on the recommendations or not.","start":1461.045,"end":1465.125,"sentiment":"neutral","sentiment_score":0.2618682786822319},{"text":"In the meantime, if you have any questions or concerns or anything else, let me know.","start":1465.125,"end":1469.785,"sentiment":"neutral","sentiment_score":0.17814821563661098},{"text":"More than happy to sort of touch base and have a chat.","start":1469.8451,"end":1472.4851,"sentiment":"positive","sentiment_score":0.4502995510896047},{"text":"And did you want another sort of review with of things in, like, six months, three months, or are you happy with the sponsor year?","start":1472.4851,"end":1479.14,"sentiment":"neutral","sentiment_score":0.05601274356245994},{"text":"What would you like to see, Andrew?","start":1479.14,"end":1480.68,"sentiment":"neutral","sentiment_score":0.009668867768985885}],"sentiment":"neutral","sentiment_score":0.18699165375437587,"channel":0,"num_words":80,"start":1461.045,"end":1480.68},{"sentences":[{"text":"I'll look maybe got six months.","start":1481.22,"end":1482.92,"sentiment":"neutral","sentiment_score":0.007415738655254245}],"sentiment":"neutral","sentiment_score":0.007415738655254245,"channel":1,"num_words":6,"start":1481.22,"end":1482.92},{"sentences":[{"text":"Six months?","start":1483.4601,"end":1484.18,"sentiment":"neutral","sentiment_score":0.02123549673706293},{"text":"Beautiful.","start":1484.18,"end":1484.68,"sentiment":"positive","sentiment_score":0.6805671453475952},{"text":"We'll get one in around about Christmas time just before we go away for the break, so that'll be fantastic.","start":1484.8201,"end":1489.895,"sentiment":"positive","sentiment_score":0.4734846740961075},{"text":"Excellent.","start":1490.3551,"end":1490.8551,"sentiment":"positive","sentiment_score":0.7554755210876465}],"sentiment":"positive","sentiment_score":0.4561752975763132,"channel":0,"num_words":24,"start":1483.4601,"end":1490.8551},{"sentences":[{"text":"Sounds","start":1490.755,"end":1491.255,"sentiment":"positive","sentiment_score":0.6280181407928467}],"sentiment":"positive","sentiment_score":0.6280181407928467,"channel":1,"num_words":1,"start":1490.755,"end":1491.255},{"sentences":[{"text":"Thank you so much for your time.","start":1492.035,"end":1493.395,"sentiment":"positive","sentiment_score":0.8238234094211033},{"text":"I'll let you go to enjoy","start":1493.395,"end":1494.5951,"sentiment":"positive","sentiment_score":0.672066201766332}],"sentiment":"positive","sentiment_score":0.7537816212727473,"channel":0,"num_words":13,"start":1492.035,"end":1494.5951},{"sentences":[{"text":"good.","start":1494.595,"end":1495.095,"sentiment":"positive","sentiment_score":0.6912938356399536}],"sentiment":"positive","sentiment_score":0.6912938356399536,"channel":1,"num_words":1,"start":1494.595,"end":1495.095},{"sentences":[{"text":"your day, and I hope","start":1494.5951,"end":1495.875,"sentiment":"positive","sentiment_score":0.4787146747112274}],"sentiment":"positive","sentiment_score":0.4787146747112274,"channel":0,"num_words":5,"start":1494.5951,"end":1495.875},{"sentences":[{"text":"Mhmm.","start":1495.8148,"end":1496.3148,"sentiment":"neutral","sentiment_score":0.33192384243011475}],"sentiment":"neutral","sentiment_score":0.33192384243011475,"channel":1,"num_words":1,"start":1495.8148,"end":1496.3148},{"sentences":[{"text":"you have a good week, and I'll get stuck into this research for you.","start":1495.875,"end":1499.3151,"sentiment":"positive","sentiment_score":0.5224696440356118},{"text":"Okay.","start":1499.3151,"end":1499.6849,"sentiment":"neutral","sentiment_score":0.3281058371067047}],"sentiment":"positive","sentiment_score":0.5095120569070181,"channel":0,"num_words":15,"start":1495.875,"end":1499.6849},{"sentences":[{"text":"Thank you very much.","start":1499.4949,"end":1500.7948,"sentiment":"positive","sentiment_score":0.7055220901966095}],"sentiment":"positive","sentiment_score":0.7055220901966095,"channel":1,"num_words":4,"start":1499.4949,"end":1500.7948},{"sentences":[{"text":"My pleasure.","start":1501.205,"end":1501.845,"sentiment":"positive","sentiment_score":0.675216794013977},{"text":"Thanks for your time today, Andrew.","start":1501.845,"end":1503.0449,"sentiment":"positive","sentiment_score":0.7631697754065195},{"text":"Appreciate it.","start":1503.0449,"end":1503.845,"sentiment":"positive","sentiment_score":0.7211644947528839},{"text":"See you later.","start":1503.845,"end":1504.6649,"sentiment":"positive","sentiment_score":0.4652664164702098}],"sentiment":"positive","sentiment_score":0.6744292676448822,"channel":0,"num_words":13,"start":1501.205,"end":1504.6649},{"sentences":[{"text":"Cheers.","start":1504.2948,"end":1504.7948,"sentiment":"positive","sentiment_score":0.48386526107788086},{"text":"Bye.","start":1505.1748,"end":1505.6748,"sentiment":"neutral","sentiment_score":0.21881678700447085}],"sentiment":"positive","sentiment_score":0.35134102404117584,"channel":1,"num_words":2,"start":1504.2948,"end":1505.6748},{"sentences":[{"text":"Bye.","start":1505.2849,"end":1505.7849,"sentiment":"neutral","sentiment_score":0.11383846402168274}],"sentiment":"neutral","sentiment_score":0.11383846402168274,"channel":0,"num_words":1,"start":1505.2849,"end":1505.7849}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak with customers about updating personal and financial information, updating their CVs and insurance coverage, and updating their financial situation. They also discuss their vet bills, home equity, and retirement age. The speakers emphasize the importance of maintaining a flexible risk profile and maintaining a flexible risk profile for retirement goals and plans. They provide information on income protection and retirement plans, and discuss risk profiles for the customer. The conversation ends with the speaker thanking the speaker and providing a review in six months."},"intents":{"segments":[{"text":"If you can't, it's honestly okay. I just don't have my computer up at the moment. I'd Oh, have to use that's my okay. Not an issue at all. I'll send them through that while they're in your email. You can definitely yep. have a bit of a look at them later. Yeah.","start_word":191,"end_word":243,"intents":[{"intent":"Resolve issue with a decision","confidence_score":6.8341535e-8}]},{"text":"So, normally, they don't allow you to take the money out of your super for, like, vet bills and things like that. Yeah.","start_word":386,"end_word":408,"intents":[{"intent":"Request vet bills","confidence_score":0.005452177}]},{"text":"I've honestly not seen anyone try it for vet bills, but the way you Okay.","start_word":483,"end_word":497,"intents":[{"intent":"Review vet bills","confidence_score":0.0012619956}]},{"text":"Ready do to compassionate go. grounds is you just apply through your myGov account. You just Yep.","start_word":498,"end_word":514,"intents":[{"intent":"Apply to mygov account","confidence_score":0.05548001}]},{"text":"need to get, any of the documentation required. So you'll essentially need to get, like, vet bills or quotes for Yep. how much you'll need to cover the cost and things like that. Just provide all that as evidence. It'll go through the ATO, and then they'll assess the claim and determine whether or not they approve it or not. Yeah.","start_word":515,"end_word":575,"intents":[{"intent":"Obtain documentation","confidence_score":0.042564474}]},{"text":"confirm how much that'll be for you as well on the letter if they approve it. But, look, I have not seen anyone do it for vet vet bills before, but there's no harm in trying. If you've if $10 is a lot of money, Yeah.","start_word":633,"end_word":678,"intents":[{"intent":"Confirm amount","confidence_score":0.34199047}]},{"text":"If you've if $10 is a lot of money, Yeah.","start_word":669,"end_word":678,"intents":[{"intent":"Obtain cost","confidence_score":0.0002926196}]},{"text":"We haven't been able to get updated research since that point.","start_word":868,"end_word":878,"intents":[{"intent":"Update research","confidence_score":0.27602497}]},{"text":"It is certainly a little bit lower than where we would sort of like it to be given you are in that growth portfolio. Uh-huh. Generally, when we're looking at that sort of portfolio, you're sort of hoping for or tracking around about a seven to 9% return compounded annually there. So it is a little bit lower than where I would like it to sort of be for the year.","start_word":1065,"end_word":1135,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.22154891}]},{"text":"When you think about your super, are you wanting me to look at replacing Banda Long but keeping more of an active manager in your portfolio, or are you wanting to look at more of a a portfolio that's maybe low cost, a bit cheaper in investment fees, but still working harder than, you know, at the moment? What are you sort of looking for in the way of a portfolio?","start_word":1402,"end_word":1472,"intents":[{"intent":"Consider portfolio options","confidence_score":0.006587654}]},{"text":"I had a really good look at things before the call, and I was like, we can definitely do some advice, but just wanna make sure you're comfortable with that as well. If you ever Yeah.","start_word":1776,"end_word":1811,"intents":[{"intent":"Educate about insurance","confidence_score":0.0003863965}]},{"text":"I'll update the advice document to reflect some changes to your super fund with the recommended investments, look at how that's gonna can help you moving forward, and let's also Mhmm. look at maybe moving that cover over, keeping the life and TPD exactly as it is, and just trying to consolidate everything into one fund to make it easier for you. Does that sound okay?","start_word":2334,"end_word":2399,"intents":[{"intent":"Update advice document","confidence_score":0.30747762}]},{"text":"look at maybe moving that cover over, keeping the life and TPD exactly as it is, and just trying to consolidate everything into one fund to make it easier for you. Does that sound okay? Sounds great.","start_word":2365,"end_word":2401,"intents":[{"intent":"Discuss relocation of income protection","confidence_score":0.0000030783185}]},{"text":"It's not a problem at all. If there any point you change your mind, just come back and let me know. Because income protection does sort of cover that a percentage of your income if you're unable to go to work. So not having it. It's just about making sure you've got something to fall back on. Yeah.","start_word":2463,"end_word":2520,"intents":[{"intent":"Ensure future support","confidence_score":0.0000012526639}]},{"text":"Mortgage wise, we had you on about owing about 340,000 last year. Have you reduced it We refinanced a at the start of the year, bit so it's going back the other way. since So it's about 300 then? and I think about 3 Yep. 80. $3.80?","start_word":2735,"end_word":2781,"intents":[{"intent":"Address debt","confidence_score":0.0022692676}]},{"text":"We had a loan of about 3,000. Have you refinanced that or managed It's to pay gone.","start_word":2879,"end_word":2895,"intents":[{"intent":"Refinance loan","confidence_score":0.2681057}]},{"text":"Any other cars, boats, or caravans that you'd note down with value? No. No. No. That's okay. Any collections or tools of trade or shares or cryptocurrency that you have as well?","start_word":2908,"end_word":2939,"intents":[{"intent":"Notify assets","confidence_score":0.0013393639}]},{"text":"I've got down here estate planning side of things. I had it noted that you guys didn't have a will or power of attorney done up. Is that something you've discussed or looked at doing or spoken to a solicitor about?","start_word":2950,"end_word":2990,"intents":[{"intent":"Connect with agent","confidence_score":0.000009938984}]},{"text":"I've got down here estate planning side of things. I had it noted that you guys didn't have a will or power of attorney done up. Is that something you've discussed or looked at doing or spoken to a solicitor about? Yeah. Look.","start_word":2950,"end_word":2992,"intents":[{"intent":"Discuss estate planning","confidence_score":0.4586364}]},{"text":"It's a 100% paid to her. That's still valid and correct. Yeah.","start_word":3049,"end_word":3060,"intents":[{"intent":"Provide confirmation","confidence_score":0.007834723},{"intent":"Confirm confirmation","confidence_score":0.019577712}]},{"text":"Now the type of nomination that you do have, I'm pretty sure we attached it last year. You do have it as a binding nomination, so it does mean that we have to review that and have it updated and refilled out every three years. The next time it's due is essentially this time next year. Are you happy with the type of nomination? Did you want us to maybe update the advice to reflect, you know, recommendations around making a nomination?","start_word":3065,"end_word":3146,"intents":[{"intent":"Update guidance","confidence_score":0.0019430489}]},{"text":"Just with the the other type of nomination you do that you can have is a binding nonlapsing. It means that you fill that. the nomination out once, and you don't have to fill it out ever again Mhmm.","start_word":3172,"end_word":3210,"intents":[{"intent":"Fill nomination","confidence_score":0.01604222}]},{"text":"we review that with you every year anyway. So it just means that we don't have to ask you to pre fill that form out every three years, which can get Yeah.","start_word":3248,"end_word":3279,"intents":[{"intent":"Update form information","confidence_score":0.0009118547}]},{"text":"Maybe give us a call, see what's happening, and, Yeah.","start_word":3591,"end_word":3600,"intents":[{"intent":"Provide a call","confidence_score":0.00011964994}]},{"text":"And have you ever thought about borrowing from a bank or financial institution in order to invest in shares or managed funds, or would you only ever do that for, say, Yeah.","start_word":3740,"end_word":3771,"intents":[{"intent":"Discuss investment options","confidence_score":0.0057288483},{"intent":"Inquire about investment success","confidence_score":0.00003417548}]},{"text":"And have you ever thought about borrowing from a bank or financial institution in order to invest in shares or managed funds, or would you only ever do that for, say, Yeah. The second of the two options. property?","start_word":3740,"end_word":3778,"intents":[{"intent":"Determine a suitable investment","confidence_score":0.0026086944}]},{"text":"suits someone who has at least six years before accessing their money. You've got more than that ahead of you. Mhmm.","start_word":3875,"end_word":3895,"intents":[{"intent":"Confirm investment experience","confidence_score":0.000051986346}]},{"text":"that 7% isn't under performance, and we wanna make sure that it's either the performance of the fund, like what's happening within the individual investments, or if it's because of market reactions, then it's completely understandable. Okay? Yeah.","start_word":3949,"end_word":3986,"intents":[{"intent":"Evaluate fund performance","confidence_score":0.11465314}]},{"text":"A bit tough for those interest rates going up and down.","start_word":4347,"end_word":4357,"intents":[{"intent":"Improve interest rates","confidence_score":0.026375607}]},{"text":"and the review pack you will have in your email does have the on your ongoing service agreement for the next twelve months there. So you do pay an ongoing service fee. It is 1.65% per annum, and it's deducting a smaller monthly increments out of your super for our services there. If feel free to have you look through that one.","start_word":4680,"end_word":4741,"intents":[{"intent":"Check in and discuss review","confidence_score":0.0000014510396}]},{"text":"I'm just double checking your ID is up to date because Hostplus will want that with the third party authority. It does look like it's out of date on our file. So I will just get the team to send you a text message as well if that's okay, and Yeah. we'll just get you to update your ID, your license on file there as well. Okay? Yeah.","start_word":4859,"end_word":4926,"intents":[{"intent":"Update id and license","confidence_score":0.1301636}]},{"text":"What would you like to see, Andrew? I'll look maybe got six months. Six months? Beautiful. We'll get one in around about Christmas time just before we go away for the break, so that'll be fantastic. Excellent.","start_word":5062,"end_word":5098,"intents":[{"intent":"Schedule appointment","confidence_score":0.29332173}]}]},"sentiments":{"segments":[{"text":"You're speaking. Hello? Hi, Andrew. It's Zena from OQ Financial. How are you this morning or this Good. afternoon? Thank you. Sorry. How are you? Yeah. Yeah.","start_word":0,"end_word":26,"sentiment":"neutral","sentiment_score":0.13100393116474152},{"text":"Very well. Thank you.","start_word":27,"end_word":30,"sentiment":"positive","sentiment_score":0.46919161081314087},{"text":"I had to put in to go through a bit of an annual review today. Is now still a good time there for Yeah. That's fine. you?","start_word":31,"end_word":57,"sentiment":"neutral","sentiment_score":0.16355927288532257},{"text":"Fantastic.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.5608773231506348},{"text":"Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.","start_word":59,"end_word":91,"sentiment":"neutral","sentiment_score":0.1848200410604477},{"text":"Fantastic.","start_word":92,"end_word":92,"sentiment":"positive","sentiment_score":0.3924357295036316},{"text":"And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file. Full name, Andrew Carl Hurd. Address, 30 Robinson Way, Singleton Heights 2330. Date of birth, seventh of the second nineteen eighty four. Awesome. Is that all? Thank you. Yeah.","start_word":93,"end_word":152,"sentiment":"neutral","sentiment_score":0.1422092765569687},{"text":"That's perfect. Yeah. Thank you Cool. so much for that.","start_word":153,"end_word":162,"sentiment":"positive","sentiment_score":0.5148199796676636},{"text":"Legend. Yeah. I do know we sent through some annual review documents to you. Are you able to jump into your emails and have a look at those? If you can't, it's honestly okay. I just don't have my computer up at the moment. I'd Oh, have to use that's my okay. Not an issue at all. I'll send them through that while they're in your email. You can definitely yep. have a bit of a look at them later. Yeah. In the Perfect. meantime, I'll just run through your annual review, give you an update on your CV. We'll talk about your insurances, look at maybe updating some advice if it's appropriate to do so, and at what your goals are moving forward. Is there anything specific you maybe wanted to ask me or wanted me to touch on as part of your review today? Well, to to be a 100% honest, I've just had my dog has just done a couple of ligaments, like two cruciate ligaments. And I'm Oh, looking wow. at about 10 plus in things. And someone said to me, you might be able to take money out of your super to cover it. And I was like, I have no idea, but I've got an appointment, and I'll speak to lady anyway. So Yeah. Yeah. No. Absolutely. So, normally, they don't allow you to take the money out of your super for, like, vet bills and things like that. Yeah. But in that instance, it would certainly be compassionate grounds. But, look, there's nothing to say you can't submit the claims via myGov to see if the ATO approve it. Yeah. But Right. under compassionate grounds, it needs to be essentially medical treatment where, you know, you're unable to pay for the expenses yourself. Normally, people do it for their teeth, you know, medical procedures that they need on themselves or their dependents. Yeah. I've honestly not seen anyone try it for vet bills, but the way you Okay. Ready do to compassionate go. grounds is you just apply through your myGov account. You just Yep. need to get, any of the documentation required. So you'll essentially need to get, like, vet bills or quotes for Yep. how much you'll need to cover the cost and things like that. Just provide all that as evidence. It'll go through the ATO, and then they'll assess the claim and determine whether or not they approve it or not. Yeah. The if they do approve it, that will determine how much you can take out to cover the cost. There's also tax consequences. So because you're under the age of 60, tax is also going to be deducted or, you know, withheld in relation to the amount that is also taken out, Taken but out. they'll Yeah. confirm how much that'll be for you as well on the letter if they approve it. But, look, I have not seen anyone do it for vet vet bills before, but there's no harm in trying. If you've if $10 is a lot of money, Yeah. especially Yeah. for that That's sort alright.","start_word":163,"end_word":685,"sentiment":"neutral","sentiment_score":-0.02124996257529204},{"text":"That's just, you know, like, everything's just so hard up of at the moment with you have mortgage rates and god knows what.","start_word":686,"end_word":708,"sentiment":"negative","sentiment_score":-0.4188425540924072},{"text":"So yeah. Yeah. No. Look. Jump on to your myGov account when you yeah. got some I'll time. give it Grab a go. all the medical evidence required. Give it a go.","start_word":709,"end_word":740,"sentiment":"neutral","sentiment_score":0.03426814987324178},{"text":"The worst they say is no.","start_word":741,"end_word":746,"sentiment":"negative","sentiment_score":-0.4116535782814026},{"text":"At least you can Yeah. say you've tried. Yeah. But please keep You me know, updated worthless. because, yeah, look, I've seen a lot of different compassionate grounds claims that go through, but I've honestly never seen it done for vet vet bills. So we'll give it a crack and see what happens. Yeah. That's it. Yeah. No. Perfect. All good. But other than that, yeah, I'm just cruising. Same thing.","start_word":747,"end_word":817,"sentiment":"neutral","sentiment_score":-0.06905795633792877},{"text":"Yeah. That's all good.","start_word":818,"end_word":821,"sentiment":"positive","sentiment_score":0.4943922162055969},{"text":"Well, I'll give you an update on your super. So your your balance inside your hub 24 super as of the July 24 is a 196,467 and 46<unk>. Within host plus, we do have an updated balance of $17,086.20. That is as of September last year. We haven't been able to get updated research since that point. I know that Peter sent through a third party authority for you to sign. Have you received that at all? Oh, I don't think I have. Can you resend it? Yeah. Absolutely. So Because we just I'd like need to to get move that that that that amount back over into my super. yeah. Absolutely. Like, out of host Abs plus, I don't need it. have no. Absolutely. We definitely wanna get that sorted for you, so we just need to get that down to the party authority sign so we can get the updated research and clarify exactly what's happening within host plus there. Yep. With regards to your hub 24 sleeper there, your balance this time last year, you had a 172,484, and now you're up to a 196 of four sixty seven there.","start_word":822,"end_word":1016,"sentiment":"neutral","sentiment_score":0.06981486827135086},{"text":"So you have had after fees and a 6.84% return, which is a good solid positive return.","start_word":1016,"end_word":1033,"sentiment":"positive","sentiment_score":0.4078625440597534},{"text":"Yeah. As a dollar figure, the income and the growth within the period is 13,645. So it kinda gives you an idea of what 6% looks like for your balance there. Yep.","start_word":1033,"end_word":1065,"sentiment":"neutral","sentiment_score":0.1773068755865097},{"text":"It is certainly a little bit lower than where we would sort of like it to be given you are in that growth portfolio.","start_word":1064,"end_word":1087,"sentiment":"negative","sentiment_score":-0.4033077955245972},{"text":"Uh-huh. Generally, when we're looking at that sort of portfolio, you're sort of hoping for or tracking around about a seven to 9% return compounded annually there. So it is a little bit lower than where I would like it to sort of be for the year. It is partly because of what's been happening globally Mhmm. I'm gonna with go the over US, process Iran this. war. Yeah. However, I can also see one of your investments underperforming a little bit in there as well. So you did have or do have been along Australian equities.","start_word":1088,"end_word":1184,"sentiment":"neutral","sentiment_score":-0.12328451126813889},{"text":"That one there is the only one that's sort of down and down because that investment hasn't been able to sorry.","start_word":1185,"end_word":1205,"sentiment":"negative","sentiment_score":-0.4001368880271912},{"text":"That investment is meant to be outperforming against the market, the idea of having an active manager in your portfolio.","start_word":1206,"end_word":1225,"sentiment":"neutral","sentiment_score":-0.26071494817733765},{"text":"They have not been able to do that, and they have, unfortunately, had a fewer underlying issues that I've been able to sort of evaluate there.","start_word":1226,"end_word":1251,"sentiment":"negative","sentiment_score":-0.47530609369277954},{"text":"So I would like to issues that I've been able to sort of evaluate there. So I would like to, if you're comfortable, update the advice for you, remove Yeah. that investment, and look at putting something else in its place. I don't Yeah. want That'd you to be be in anything great.","start_word":1252,"end_word":1304,"sentiment":"neutral","sentiment_score":-0.17102473974227905},{"text":"underperforming.","start_word":1305,"end_word":1305,"sentiment":"negative","sentiment_score":-0.3500842750072479},{"text":"Yeah. Yeah. Something that's performing better. Definitely. Absolutely. Now you're still really young. You've got a lot of time on your side here at the moment, so you can't actually access super till the age of 60. Is that kind of your goal age still? Are you hoping to be able to retire as early as possible? Well, I think we all are. But, Yeah. yeah, Absolutely. where where where possible. Yeah. Yeah. Absolutely. Just double checking your goal age there at the moment because, realistically, you've got more than ten years ahead of you. When you think about your super, are you wanting me to look at replacing Banda Long but keeping more of an active manager in your portfolio, or are you wanting to look at more of a a portfolio that's maybe low cost, a bit cheaper in investment fees, but still working harder than, you know, at the moment? What are you sort of looking for in the way of a portfolio? No. Honestly, just to be putting as much in there as possible. So, yeah, look, whatever means needs to happen to to make that happen, I suppose, Yeah. and what yeah. Yep. Anything that yeah. I can get Yeah. in there, That's I okay. will. Yeah. That's okay. So you'd be comfortable looking at more of a passively managed low cost portfolio to save on fees rather than having an active manager taking on more risk trying to outperform against the market. Would you say that's fairly comfortable, Yeah. or would you prefer the other way around? No. Probably Yeah. the Yeah. passenger. Yep. Yeah.","start_word":1306,"end_word":1576,"sentiment":"neutral","sentiment_score":0.03309083661937406},{"text":"Beautiful.","start_word":1577,"end_word":1577,"sentiment":"positive","sentiment_score":0.4889771342277527},{"text":"And look. Lower cost fees means more money stays in your portfolio working harder for you, so that's never a bad thing. And I've got a couple of options I can look to replace that for you.","start_word":1578,"end_word":1614,"sentiment":"neutral","sentiment_score":0.21896816790103912},{"text":"Fantastic.","start_word":1615,"end_word":1615,"sentiment":"positive","sentiment_score":0.5038843154907227},{"text":"Uh-huh.","start_word":1616,"end_word":1616,"sentiment":"neutral","sentiment_score":0.23235340416431427},{"text":"Otherwise, everything else in your portfolio has been performing very nicely there. Your gold, especially, is up by over 14.18% for the that's good to see.","start_word":1617,"end_word":1642,"sentiment":"positive","sentiment_score":0.43231338262557983},{"text":"The S and P 500 is up over 12% individually there, And we've also got bank hybrids. So those are more of a more of a, sorry, defensive investments and lower risk. So they are looking to phase those out over the next couple of years. So I'll probably look to maybe readjust a few other options in the portfolio if you're comfortable Yeah. just Definitely. removing some investments and maybe looking at something that's maybe had a greater past performance and give you this you know, can, you know, provide greater future performance and sort of help to put you in a better position over the next five to ten years. Are you comfortable with me updating everything Yeah. and Definitely. looking at it all? Yeah. Yes, please. Yep.","start_word":1643,"end_word":1772,"sentiment":"neutral","sentiment_score":0.12515345215797424},{"text":"Excellent. All good. I had a really good look at things before the call, and I was like, we can definitely do some advice, but just wanna make sure you're comfortable with that as well.","start_word":1773,"end_word":1807,"sentiment":"positive","sentiment_score":0.4067955000059945},{"text":"If you ever Yeah. decide you don't want to, you're welcome to come back and say, no. Don't do it. Okay? No. That's fine.","start_word":1808,"end_word":1831,"sentiment":"neutral","sentiment_score":-0.10778138786554337},{"text":"Excellent. All good.","start_word":1832,"end_word":1834,"sentiment":"positive","sentiment_score":0.5244551301002502},{"text":"Now the other thing I just wanted to sort of chat about was last year, we did provide some updated advice around the insurance aspect there. Because inside your Hub twenty four super fund, sorry, host plus super funds. My apologies. Your life and TPD cover, you're currently covered for based on the last research, a 193,832 of life and total permanent disability cover. I know in the last advice document last year, we were looking to increase and get more retail cover for you and cover you for about 1,100,000 of life and TBD. Are you still wanting to maybe look at re adjusting and looking at new cover, or are you happy with the amount of cover you have in host plus? What's your thought? Honestly, I'm pretty happy at the moment. I yeah.","start_word":1835,"end_word":1970,"sentiment":"neutral","sentiment_score":0.01133554894477129},{"text":"I don't wanna sort of push Yep. too hard at this stage.","start_word":1971,"end_word":1982,"sentiment":"negative","sentiment_score":-0.3474656641483307},{"text":"That's okay. Did you want me to maybe look at whether we can just keep the level of cover you have in host plus and maybe transfer that into Yep. hub 24. So you can still move everything out of host plus into hub 24 and only have one super fund rather than the two, Yeah. but That's still our just deal. retain that cheap life and TPD cover you have. Is that preferred? Perfect. Yeah.","start_word":1983,"end_word":2058,"sentiment":"neutral","sentiment_score":0.0011084829457104206},{"text":"Beautiful.","start_word":2059,"end_word":2059,"sentiment":"positive","sentiment_score":0.44012272357940674},{"text":"I'm just I do have your pre assessment we did up last year as well. So just kinda going through. It honestly looks fine. Can I just run through these couple of questions again for you just to sort of confirm eligibility just to make sure there's no changes there? Yeah. Go. Are you currently off work or unable to perform your duties on a normal full time basis No. at all? Nope. Have you in the last twelve months been absent from work or unable to perform your normal occupational duties? No. No. You haven't been off work for more than six days No. No. other than having a cold or flu? No. All good. No. Not even that. So I've been good.","start_word":2060,"end_word":2183,"sentiment":"neutral","sentiment_score":0.0070571091867262315},{"text":"Oh, fantastic.","start_word":2184,"end_word":2185,"sentiment":"positive","sentiment_score":0.434318482875824},{"text":"Touch wood, it stays Have that you way. have you ever been diagnosed with or do you suffer from an illness that may cause permanent inability to go to work on a normal No. full time basis? Nope. Have you ever had an insurance application for death, PPD, total permanent disability, income protection, sickness, or accident refuse? No. Nope. Have you ever been paid, or are you eligible pay to be paid for any type of claim that's government benefits, worth of compensation, or any insurance claim? No. Nope. And have you ever had insurance application for death, death and TPD, term illness or income protection offered on a modified or not offered on nonstandard terms? Nope. Perfect. Excellent. So based on this, the pre assessment there, it looks like eligibility. So what I'll do is No. I'll just go back and complete the research there for you. I'll update the advice document to reflect some changes to your super fund with the recommended investments, look at how that's gonna can help you moving forward, and let's also Mhmm. look at maybe moving that cover over, keeping the life and TPD exactly as it is, and just trying to consolidate everything into one fund to make it easier for you. Does that sound okay?","start_word":2186,"end_word":2399,"sentiment":"neutral","sentiment_score":0.0074398098513484},{"text":"Sounds great. Fantastic. Excellent. Nice and easy.","start_word":2400,"end_word":2406,"sentiment":"positive","sentiment_score":0.5032182335853577},{"text":"Yep. Now we did originally also look at, like, income protection. You don't have any income protection or trauma covered. Do you remember going through those with me last year and chatting a bit more detail about them? Yeah. But yeah. Look at this page. I've just let that sort of slide. Yeah. That's absolutely fine. It's not a problem at all. If there any point you change your mind, just come back and let me know. Because income protection does sort of cover that a percentage of your income if you're unable to go to work. So not having it. It's just about making sure you've got something to fall back on. Yeah. Do you have much in the way of savings, or how's Nope. your expenditure look like? Not No. anymore. No. It's all going on the mortgage. Yeah. Pretty much. Yep. That's okay. And you're comfortable with just, like, where everything is sitting? Just we'll focus on life and TPD and look at income protection and possibly trauma and things like that down the track for you. Yeah.","start_word":2407,"end_word":2587,"sentiment":"neutral","sentiment_score":0.04911797864167071},{"text":"That'd be great. Yeah. Excellent. All good.","start_word":2588,"end_word":2594,"sentiment":"positive","sentiment_score":0.43233463168144226},{"text":"Income wise, I had you on about a 120,000 last year. Have you got a pay increase since then at all? No. It's gone back the other way because I changed positions. Oh, So I'm no. sitting in a sitting in about a 105 at this stage, but, yeah, literally Okay. just about to get a pay review. So it'll probably go up to about 110.","start_word":2595,"end_word":2660,"sentiment":"neutral","sentiment_score":-0.00838091317564249},{"text":"Well, yeah, you're definitely worth it.","start_word":2661,"end_word":2666,"sentiment":"positive","sentiment_score":0.3526512682437897},{"text":"I think so.","start_word":2667,"end_word":2669,"sentiment":"neutral","sentiment_score":0.23399901390075684},{"text":"Absolutely. Beautiful.","start_word":2670,"end_word":2671,"sentiment":"positive","sentiment_score":0.4805554449558258},{"text":"And you're not salary sacrificing or not wanting to put any additional in the super at the moment over and above your employer contributions. Is that right? Not at this point in time. No. No. That's okay. We're sort of focusing on getting the mortgage down as fast as we can. Is that sort of your main goal still? It is. Yeah. Beautiful. Mortgage wise, we had you on about owing about 340,000 last year. Have you reduced it We refinanced a at the start of the year, bit so it's going back the other way. since So it's about 300 then? and I think about 3 Yep. 80. $3.80? Yep. Beautiful. All good. And the property we had valued at 700,000 with having that old, and you woulda had it revalued again. What sort of value did they put on it? That's $7.60. Oh, fantastic. Excellent. I've also got your motor vehicle down here, a value of about 17,000. What sort of value would you put on your car currently? I'd probably say 10. 10? Yeah. Beautiful. What kind of vehicle is it? Just a wrap for Yeah.","start_word":2672,"end_word":2860,"sentiment":"neutral","sentiment_score":0.02744481526315212},{"text":"Perfect.","start_word":2861,"end_word":2861,"sentiment":"positive","sentiment_score":0.38302159309387207},{"text":"They hold their value pretty well, those things. yeah. Everyone Yeah. still wants a RAV four. Yep. We had a loan of about 3,000. Have you refinanced that or managed It's to pay gone. it off? No. Gone? No lines Yes. at the moment.","start_word":2862,"end_word":2905,"sentiment":"neutral","sentiment_score":0.04525713534464806},{"text":"Fantastic.","start_word":2906,"end_word":2906,"sentiment":"positive","sentiment_score":0.4776457250118256},{"text":"Sorry. Any other cars, boats, or caravans that you'd note down with value? No. No. No. That's okay. Any collections or tools of trade or shares or cryptocurrency that you have as well? No. Not quite a bit. No. That's okay. All good. I've got down here estate planning side of things. I had it noted that you guys didn't have a will or power of attorney done up. Is that something you've discussed or looked at doing or spoken to a solicitor about? Yeah. Look. It is, yeah, still in the plan to get that done, but, yeah, haven't done anything with it at this stage. No. That's okay.","start_word":2907,"end_word":3016,"sentiment":"neutral","sentiment_score":-0.023572783917188644},{"text":"All good.","start_word":3017,"end_word":3018,"sentiment":"positive","sentiment_score":0.3395530581474304},{"text":"And with your beneficiary nominations, I have it down here that you want your life cover and your super paid out to Katrina in the event that anything happens. Mhmm. It's a 100% paid to her. That's still valid and correct. Yeah. That's correct. Yep.","start_word":3019,"end_word":3063,"sentiment":"neutral","sentiment_score":0.13973002135753632},{"text":"Beautiful.","start_word":3064,"end_word":3064,"sentiment":"positive","sentiment_score":0.5078715085983276},{"text":"Now the type of nomination that you do have, I'm pretty sure we attached it last year. You do have it as a binding nomination, so it does mean that we have to review that and have it updated and refilled out every three years. The next time it's due is essentially this time next year. Are you happy with the type of nomination? Did you want us to maybe update the advice to reflect, you know, recommendations around making a nomination? You don't have to continuously update. What would you sort of Yeah. comfort That'd level be wise fine. feel? Yeah. We could Yeah?","start_word":3065,"end_word":3169,"sentiment":"neutral","sentiment_score":0.11232367157936096},{"text":"could Beautiful.","start_word":3170,"end_word":3171,"sentiment":"positive","sentiment_score":0.38851067423820496},{"text":"Just with the the other type of nomination you do that you can have is a binding nonlapsing. It means that you fill that. the nomination out once, and you don't have to fill it out ever again Mhmm. unless you change the type of nomination. Normally I mean, depending on how things are, normally, we don't wanna change that from our spouse unless they pass away first or something changes in our relationship. And Yeah. we review that with you every year anyway. So it just means that we don't have to ask you to pre fill that form out every three years, which can get Yeah.","start_word":3172,"end_word":3279,"sentiment":"neutral","sentiment_score":0.04365297796687594},{"text":"kind of arduous and annoying.","start_word":3280,"end_word":3284,"sentiment":"negative","sentiment_score":-0.542037844657898},{"text":"Yeah. No. That's So fine. if you're I'm happy to go that way.","start_word":3285,"end_word":3297,"sentiment":"neutral","sentiment_score":0.1609707474708557},{"text":"comfortable to do that, beautiful.","start_word":3298,"end_word":3302,"sentiment":"positive","sentiment_score":0.6679041981697083},{"text":"I'll reflect that in the advice document for you as well, but I'll also get the team to make sure we send it out and update it. Are Yeah. you happy with us pre filling the nomination for you with Katrina's Yeah, details please. to make life a bit easier? Yep. Yeah.","start_word":3303,"end_word":3354,"sentiment":"neutral","sentiment_score":0.2799646556377411},{"text":"That'd be great. Fantastic.","start_word":3355,"end_word":3358,"sentiment":"positive","sentiment_score":0.6175462603569031},{"text":"And did you prefer that to be emailed or posted to you or both? I'll get both just in case I miss Both. one. Yeah. Absolutely fine. I'll also get them to send out that third party authority for host plus. Again, we'll try Yeah. and get That'd it all be sent great. out in one one hit. See the signing One everything big hit. at once. Yep. Absolutely.","start_word":3359,"end_word":3427,"sentiment":"neutral","sentiment_score":0.1321003884077072},{"text":"Fantastic.","start_word":3428,"end_word":3428,"sentiment":"positive","sentiment_score":0.4345610737800598},{"text":"The only other thing gonna touch on is just your risk profile there as well. So you are in that growth environment at the moment, which has, like, an eighty twenty split there. Having a look at the other questions that you've got more than ten years ahead of you before accessing your super, You've never invested in your own name before, have you? Have you ever owned shares? No. Nope. That's okay. In the event that, say, the market took a big dive, say, 20% or more in the next one to two years, how do you think you might be feeling? Do you think you'd be okay? The buying opportunity, you're not retiring yet, you'll hold and wait, or do you think you'd be a bit more concerned than maybe contacting us? How do you think you might feel in that instance? Good question. I suppose yeah. Look. I mean, I'd still be comfortable, I think. Yep. Yep. That's okay. Maybe give us a call, see what's happening, and, Yeah. Yep. yeah, have a chat about it.","start_word":3429,"end_word":3607,"sentiment":"neutral","sentiment_score":-0.00023108845649484817},{"text":"Beautiful. All good.","start_word":3608,"end_word":3610,"sentiment":"positive","sentiment_score":0.6404092907905579},{"text":"The other question I'd like to sort of go through is, you know, we're all looking to try and get the best returns we possibly can out of our super. But when you think of yourself and the type of risk level that you're undertaking, do you consider yourself comfortable taking on a higher level of risk to obtain greater potential returns, or do you feel you're more in the middle, medium range? You are comfortable with a moderate amount of risk trying to get the best returns you possibly can, or do you consider yourself not comfortable taking on any risk and receiving lower rates of returns because No. Probably of that? the Where the do you think moderate you fit? in the middle. The medium? Yep. Beautiful. And have you ever thought about borrowing from a bank or financial institution in order to invest in shares or managed funds, or would you only ever do that for, say, Yeah. The second of the two options. property? I'd yeah. Yep. Property. That's okay. Do you wanna own more property in the future, or you're happy this is your main primary residence? What's the Just sort happy of goal with my property main primary residence at this stage. Yep. That's absolutely fine. So looking at that, you have scored there in that growth range. So it sees an eighty twenty split to 80% growth assets like Australian international shares, listed property, Mhmm. and commodities like gold and silver, and then 20% in low risk defensive investments like cash, bonds, and fixed interest. This Yep. suits someone who has at least six years before accessing their money. You've got more than that ahead of you. Mhmm. We do expect a likelihood of a negative return, say, one in every five years. And as I said before, we're kind of, wanting to try and get about seven to 9% on a yearly basis. So anything over that 9% isn't over full performance. It's done really well. Anything under Mhmm. that 7% isn't under performance, and we wanna make sure that it's either the performance of the fund, like what's happening within the individual investments, or if it's because of market reactions, then it's completely understandable. Okay? Yeah. Does that Yeah. all make sense? Do you have questions? Yeah.","start_word":3611,"end_word":3996,"sentiment":"neutral","sentiment_score":0.002458087140887281},{"text":"You're welcome to let me know if you do.","start_word":3997,"end_word":4005,"sentiment":"positive","sentiment_score":0.35083410143852234},{"text":"No. No. That's all pretty good. Yep.","start_word":4006,"end_word":4012,"sentiment":"neutral","sentiment_score":0.20092551410198212},{"text":"Fantastic.","start_word":4013,"end_word":4013,"sentiment":"positive","sentiment_score":0.6240946650505066},{"text":"The only other thing now just updating here, you said you're not really saving much at the moment. Everything's kinda going into your expenditure. Yeah. That's very tight. If yeah.","start_word":4014,"end_word":4043,"sentiment":"neutral","sentiment_score":-0.08038291335105896},{"text":"Perfect. So I'll keep you in that kind of growth environment there.","start_word":4044,"end_word":4055,"sentiment":"positive","sentiment_score":0.4016317129135132},{"text":"Mhmm. The next sort of five to six years, we have medium term goals here is that yourself and Katrina, your main focus there was to ensure that the kids have what they need and to take each day as it comes and to take some small family trips away. Mhmm. Yeah. Is that That'd be still nice. kind of your medium term goal? Have you been able to do that? Yeah. Look. I'm probably over the last twelve months, and we've got in the right months. But, yeah, we can kinda need to be able to do it more I'd like to be able to do it more Yeah. often. Have you got any kind of ideas on where you'd like to go? What kind of camping or a bit further Not away? really at this stage. As I said, it's just sort of, yeah, focus on the main goal at the moment, which is just, yeah, making the end thing. Yeah. Absolutely. Absolutely. And we wanted to one of the goals I had noted here was that by the time you do retire at 60, you wanna be completely debt free and have that mortgage down. Yeah. When you That's think correct. about your Yeah. mortgage, is That's there kind of, like, basically a goal amount just that you're hoping hack to have paid out off over the next of sort of five this to ten years, or as you're just trying not to sort of hack to at it as much look as you possibly into can anything. and reduce it as quickly as possible? Yeah. That's basically just hack out of this as not Yeah. to look into that. I mean Yeah. Not a problem at all.","start_word":4056,"end_word":4346,"sentiment":"neutral","sentiment_score":0.04791909709726412},{"text":"A bit tough for those interest rates going up and down. A bit of That's a yoyo something at that's the moment killing in me.","start_word":4347,"end_word":4371,"sentiment":"negative","sentiment_score":-0.5659163594245911},{"text":"it. Yeah. Yeah. It's my phone. I actually kind of feel for it because, like, my kids are seven 19 and 20, and I have a 10 year old. And, like, I feel for them. I love that my property is increasing in value, but I feel for them because without my assistance, I don't know what they're gonna ever be able to own or buy, and their mortgage payments are gonna be through the roof. And, you Yeah. know, you've Yeah. got a Exactly couple of right. kids as well, so it's pretty scary on that Yep. behalf, isn't Something that I'm gonna have to look at in the next 10. it? Yeah. Oh, and because your kids are basically teenagers now, aren't they? Yeah. 14 and 12 is fine. Wow. How is that going for you? Oh, yeah. As good as it is with the lower chain, I just suppose. Yeah. Yeah. Look, they did come out the other side. My 19 and Exactly. 20 year old are really good, but I had girls at that point. I'm about to go through it with the boys, and I keep saying to my friends, like, any advice on boys is a good thing because it's a whole another kettle of fish. Yeah. Very true. Very true. Yeah. No. All good. That's basically everything I needed to touch on at the moment. So I'll go back and do some research for you and update the advice around trying to consolidate everything. Keep your life in TPD. We're not gonna focus on any trauma, child trauma, or income protection at the moment. We can revisit those down the track if you'd like to. I'll just focus on getting things consolidated, transferring your life and TPD where appropriate, and altering your investments within Super for you.","start_word":4372,"end_word":4675,"sentiment":"neutral","sentiment_score":0.01918843761086464},{"text":"The the Perfect.","start_word":4676,"end_word":4678,"sentiment":"positive","sentiment_score":0.3430439233779907},{"text":"and the review pack you will have in your email does have the on your ongoing service agreement for the next twelve months there. So you do pay an ongoing service fee. It is 1.65% per annum, and it's deducting a smaller monthly increments out of your super for our services there. If feel free to have you look through that one. I've also got all the documents that we had attached with regard to what I've gone through with your super balance. It's got an index chart in there showing you market reactions over Mhmm. the last thirty years, and it's also got your insurance information there. And I'll get your third party authority done up and also your beneficiary nomination, and we'll get those out to you so we can get that research completed with host cost Yep.","start_word":4679,"end_word":4818,"sentiment":"neutral","sentiment_score":0.07474473863840103},{"text":"done in a nice timely manner Yeah.","start_word":4819,"end_word":4825,"sentiment":"positive","sentiment_score":0.4692109525203705},{"text":"there.","start_word":4826,"end_word":4826,"sentiment":"neutral","sentiment_score":0.25820937752723694},{"text":"Perfect.","start_word":4827,"end_word":4827,"sentiment":"positive","sentiment_score":0.529066801071167},{"text":"Is there anything I may have missed or not touched on that you might have questions about? Or No. I think you've you've touched it all there.","start_word":4828,"end_word":4854,"sentiment":"neutral","sentiment_score":-0.004328785464167595},{"text":"She's good. yeah. Beautiful.","start_word":4855,"end_word":4858,"sentiment":"positive","sentiment_score":0.4293939769268036},{"text":"I'm just double checking your ID is up to date because Hostplus will want that with the third party authority. It does look like it's out of date on our file. So I will just get the team to send you a text message as well if that's okay, and Yeah. we'll just get you to update your ID, your license on file there as well. Okay? Yeah. Not a problem.","start_word":4859,"end_word":4929,"sentiment":"neutral","sentiment_score":0.1067364662885666},{"text":"Easy.","start_word":4930,"end_word":4930,"sentiment":"positive","sentiment_score":0.3577805757522583},{"text":"Is there any other questions or anything else that you might have for me at the moment? Or I touch on a lot fast. Sorry. Yeah. No. Nothing that I can think of, but not everything's That's fine. okay.","start_word":4931,"end_word":4969,"sentiment":"neutral","sentiment_score":0.042589008808135986},{"text":"Beautiful. Beautiful. We'll get this working for you.","start_word":4970,"end_word":4977,"sentiment":"positive","sentiment_score":0.5598001480102539},{"text":"I'll update the advice in a couple of weeks there. You'll be able to go back and read the advice and decide whether you take on the recommendations or not. In the meantime, if you have any questions or concerns or anything else, let me know.","start_word":4978,"end_word":5023,"sentiment":"neutral","sentiment_score":0.23771223425865173},{"text":"More than happy to sort of touch base and have a chat.","start_word":5024,"end_word":5035,"sentiment":"positive","sentiment_score":0.4423331022262573},{"text":"And did you want another sort of review with of things in, like, six months, three months, or are you happy with the sponsor year? What would you like to see, Andrew? I'll look maybe got six months. Six months?","start_word":5036,"end_word":5075,"sentiment":"neutral","sentiment_score":0.04023428831715137},{"text":"Beautiful. We'll get one in around about Christmas time just before we go away for the break, so that'll be fantastic. Excellent. Sounds Thank you so much for your time. I'll let you go to enjoy good. your day, and I hope Mhmm. you have a good week, and I'll get stuck into this research for you.","start_word":5076,"end_word":5132,"sentiment":"positive","sentiment_score":0.5692527890205383},{"text":"Okay.","start_word":5133,"end_word":5133,"sentiment":"neutral","sentiment_score":0.3281058371067047},{"text":"Thank you very much. My pleasure. Thanks for your time today, Andrew. Appreciate it. See you later. Cheers.","start_word":5134,"end_word":5151,"sentiment":"positive","sentiment_score":0.6621532440185547},{"text":"Bye. Bye.","start_word":5152,"end_word":5153,"sentiment":"neutral","sentiment_score":0.184709370136261}],"average":{"sentiment":"neutral","sentiment_score":0.04516779086173064}}}}