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On my end, it was, like, out ringed. And then as soon as it went to answer, it just cut out. And I was like, oh, that's strange. But thanks for thanks for calling me back anyway. I just had you booked in just to kind of go through the outcome we've heard back from Neos in regards to your insurances. Is now still a good time? Yep. Perfect. So, essentially, Neos have come back, and they have said that they've been reviewing and confirming some information with your doctor. And some of the stuff that was in the reports and from the doctor was a little bit different to what we anticipated. So, basically, what the the doctor said is that whilst your liver function has improved, it has not returned to normal. Now I'm just kind of stating the information that was provided. And, basically, the Cruzex hasn't returned to normal yet, and that's there there is records to say that the doctor advises you to reduce reduce it further. Now are you still drinking about 10 standard drinks per week? No? Okay. How what would you say? About four. Okay. What I'll do is I'll go and see if that makes any difference. When that's what the liver function he said? The doctor? Okay. Yes. And I remember we kinda went through that, and that was all perfect. And the insurers are not worried about that at all because he has, you know, had a scan. Everything's cleared. The only thing that they are worried about is from what their doctor said, and I don't have access to. Obviously, for privacy, none of your medicals. So that's just what they've said, and they said that because the liver function hasn't improved like, hasn't returned to normal and that supposedly the doctor has advised that alcohol needs to be reduced further, they can't offer any cover. I would say maybe check-in with your doctor as well. I will get the team to call Neos just to make sure. Sometimes it's a bit tricky with doctors and stuff like that as well with reports and stuff like that. But that's what Neos have the information that they have obtained from your doctor anyway. Now I will go and check with them anyway and say, well, no. We're not at ten. We're at four if that makes a difference. The the information they said to us was that they would like alcohol to be at zero for two years before like, to make sure that the liver has improved. But, again yeah. And which is the case for most people. That's a lot. So, basically, from here, what we can kind of do because I did check with what the information that we have been provided again from the doctors. Other insurance would have a similar outcome. So from that, what we basically can do is that because you do have some insurance at the moment, we obviously don't wanna cancel any of that because I don't want to leave you uninsured. Now you have some insurance with Osooper. Now I know it's not as much as we were obviously looking at applying for. And, hopefully, you know, rules and stuff with insurance, and if you do end up you know, when you do end up speaking to your doctor, if anything does change, we can always reassess it. So the good thing it's not a Mhmm. Okay. That's good. Yeah. That's good. Because the good thing is as well with it's like it's not like a set and forgetting. If if it means we can't apply today, it doesn't mean that, you know, if you do go and see your doctor soon and, you know, he's really happy and he puts it in writing that, you know, he's happy with where things are at and things have returned to normal range, then we can always look at applying. So it's not like we we can't do it. But at least for the time being, what I would suggest, and I'll do a new SOA for you to show you what it would look like, it's just to retain your Australian suit. But for the time being, temporarily, to make sure you have some cover in place. Correct. Exactly. And that's how we want it to be because that's what's going to give you the most growth. But just for so it's like and then sometimes because implementation sometimes takes a little bit as well. And if it's been a little while of a system we spoke, it's like, oh, okay. What happened here? But, no, that's all there. So what I will do is I will book you in for probably a week, and it's really quick because there's not much change. The only thing that will change is just I wanna give you a new essay to show you where what things would look like for the time being with retaining about 10,000 in all super just for those insurances temporarily just to give you a bit of an update on that. So it is pretty straightforward. Do you have time sometime at the end of next week or the week after? What works for you, Kyle? Okay. So would you want to do before or after? Yep. Okay. Let me have a look. So that is the, say, the twenty third. I do have an appointment booked at that time that I could do 03:00. Would that work at all? No. About four, 04:30. I could do 04:00 on Wednesday, the twenty second. Next Wednesday. Correct. Do you think that would work? Yep. Okay. Yep. Twenty second. Four o'clock. At 04:00. Yep. That should be fine? Okay. Amazing. I will book that in on Wednesday, the twenty second for you, Kyle. If anything changes, you can't make it, let me know. Otherwise so we can get so I can just get some updated balance for you in Australian Super. What I have done is I have to send you an email with just a TPA to sign. Would you be able to sign that now over in the phone by any chance just so I can get that sorted? Correct. Yes. And the only thing that is is oh, sweet. Amazing. Thank you so much for that. I will let the team know. And, basically, just for your reference, it is just so I can get new updated research on our super for you. That's all that is. So I will get that working and sorted for you. So when's the April 22 at 4PM. I'll make a little note here as well to say that you are kind of due to go back through the doctor. If anything does change if anything changed, like, if there if if you go to him and, you know, it's a bit of a change, you can always just let me know whenever. So whenever you do end up following, if anything changes, let me know. We can always revisit this as well whenever. But then at least we kinda Yeah. Yeah. Right. Yeah. So I would yeah. I'll I'll go back to the insurance again just to see, okay. No. It's a four. And also that you have not been advised by the doctor to reduce it, see if that makes a difference. But often, it's in writing. That's what they get. They request reports from the doctor in writing, so it's a bit of that. But I'll yeah. Okay. I'll I'll I'll triple check for you anyway and have it answered by next Wednesday, and we can we can go from there. Perfect. Now just before I let you go as well, like, how has anything changed in your life since we kind of went through a fact find at the beginning of the year? Like, has any of your income or assets or anything you made to change that I don't need to know about when I update the advice for you, or is it all kind of the same? Oh, sweet. Well, I will update that. Yeah. Yep. I'll update. So I have here your house was valued at $5.60, and mortgage at $4.20. $5.80 5. Yep. Perfect. Probably the investment probably is up to $6.30. Sorry. $6.60, did you say? Sorry. $3.60. Did you say three sixty? Yes. Amazing. And you said you paid off both motor vehicles, so there's nothing owing on either of them. Amazing. I'll update that. And mortgage on your property, about $4.20, or did that increase Okay. The loan. Sweet. Perfect. Okay. I'm sorry about that. Probably roughly about the same than $4.20. Yep. Okay. Anything else? No? Okay. Perfect. Well, leave that with me, Kyle. I will go and update all of this and also triple check with Neos. But, otherwise, I will speak to you on Wednesday, April 22 at 4PM. No problem. I look forward to speaking with you then, and I hope you enjoy the rest of your afternoon. Mhmm. Thanks. 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This is Ronka speaking. Yeah. Good. Thanks, Kyle.\n\nHow are you? That's good. Thanks for returning my call. It kept cutting out, but I wasn't sure if that was my end or your end. Yeah.\n\nOn my end, it was, like, out ringed. And then as soon as it went to answer, it just cut out. And I was like, oh, that's strange. But thanks for thanks for calling me back anyway. I just had you booked in just to kind of go through the outcome we've heard back from Neos in regards to your insurances.\n\nIs now still a good time? Yep. Perfect. So, essentially, Neos have come back, and they have said that they've been reviewing and confirming some information with your doctor. And some of the stuff that was in the reports and from the doctor was a little bit different to what we anticipated.\n\nSo, basically, what the the doctor said is that whilst your liver function has improved, it has not returned to normal. Now I'm just kind of stating the information that was provided. And, basically, the Cruzex hasn't returned to normal yet, and that's there there is records to say that the doctor advises you to reduce reduce it further. Now are you still drinking about 10 standard drinks per week? No?\n\nOkay. How what would you say? About four. Okay. What I'll do is I'll go and see if that makes any difference.\n\nWhen that's what the liver function he said? The doctor? Okay. Yes. And I remember we kinda went through that, and that was all perfect.\n\nAnd the insurers are not worried about that at all because he has, you know, had a scan. Everything's cleared. The only thing that they are worried about is from what their doctor said, and I don't have access to. Obviously, for privacy, none of your medicals. So that's just what they've said, and they said that because the liver function hasn't improved like, hasn't returned to normal and that supposedly the doctor has advised that alcohol needs to be reduced further, they can't offer any cover.\n\nI would say maybe check-in with your doctor as well. I will get the team to call Neos just to make sure. Sometimes it's a bit tricky with doctors and stuff like that as well with reports and stuff like that. But that's what Neos have the information that they have obtained from your doctor anyway. Now I will go and check with them anyway and say, well, no.\n\nWe're not at ten. We're at four if that makes a difference. The the information they said to us was that they would like alcohol to be at zero for two years before like, to make sure that the liver has improved. But, again yeah. And which is the case for most people.\n\nThat's a lot. So, basically, from here, what we can kind of do because I did check with what the information that we have been provided again from the doctors. Other insurance would have a similar outcome. So from that, what we basically can do is that because you do have some insurance at the moment, we obviously don't wanna cancel any of that because I don't want to leave you uninsured. Now you have some insurance with Osooper.\n\nNow I know it's not as much as we were obviously looking at applying for. And, hopefully, you know, rules and stuff with insurance, and if you do end up you know, when you do end up speaking to your doctor, if anything does change, we can always reassess it. So the good thing it's not a Mhmm. Okay. That's good.\n\nYeah. That's good. Because the good thing is as well with it's like it's not like a set and forgetting. If if it means we can't apply today, it doesn't mean that, you know, if you do go and see your doctor soon and, you know, he's really happy and he puts it in writing that, you know, he's happy with where things are at and things have returned to normal range, then we can always look at applying. So it's not like we we can't do it.\n\nBut at least for the time being, what I would suggest, and I'll do a new SOA for you to show you what it would look like, it's just to retain your Australian suit. But for the time being, temporarily, to make sure you have some cover in place. Correct. Exactly. And that's how we want it to be because that's what's going to give you the most growth.\n\nBut just for so it's like and then sometimes because implementation sometimes takes a little bit as well. And if it's been a little while of a system we spoke, it's like, oh, okay. What happened here? But, no, that's all there. So what I will do is I will book you in for probably a week, and it's really quick because there's not much change.\n\nThe only thing that will change is just I wanna give you a new essay to show you where what things would look like for the time being with retaining about 10,000 in all super just for those insurances temporarily just to give you a bit of an update on that. So it is pretty straightforward. Do you have time sometime at the end of next week or the week after? What works for you, Kyle? Okay.\n\nSo would you want to do before or after? Yep. Okay. Let me have a look. So that is the, say, the twenty third.\n\nI do have an appointment booked at that time that I could do 03:00. Would that work at all? No. About four, 04:30. I could do 04:00 on Wednesday, the twenty second.\n\nNext Wednesday. Correct. Do you think that would work? Yep. Okay.\n\nYep. Twenty second. Four o'clock. At 04:00. Yep.\n\nThat should be fine? Okay. Amazing. I will book that in on Wednesday, the twenty second for you, Kyle. If anything changes, you can't make it, let me know.\n\nOtherwise so we can get so I can just get some updated balance for you in Australian Super. What I have done is I have to send you an email with just a TPA to sign. Would you be able to sign that now over in the phone by any chance just so I can get that sorted? Correct. Yes.\n\nAnd the only thing that is is oh, sweet. Amazing. Thank you so much for that. I will let the team know. And, basically, just for your reference, it is just so I can get new updated research on our super for you.\n\nThat's all that is. So I will get that working and sorted for you. So when's the April 22 at 4PM. I'll make a little note here as well to say that you are kind of due to go back through the doctor. If anything does change if anything changed, like, if there if if you go to him and, you know, it's a bit of a change, you can always just let me know whenever.\n\nSo whenever you do end up following, if anything changes, let me know. We can always revisit this as well whenever. But then at least we kinda Yeah. Yeah. Right.\n\nYeah. So I would yeah. I'll I'll go back to the insurance again just to see, okay. No. It's a four.\n\nAnd also that you have not been advised by the doctor to reduce it, see if that makes a difference. But often, it's in writing. That's what they get. They request reports from the doctor in writing, so it's a bit of that. But I'll yeah.\n\nOkay. I'll I'll I'll triple check for you anyway and have it answered by next Wednesday, and we can we can go from there. Perfect. Now just before I let you go as well, like, how has anything changed in your life since we kind of went through a fact find at the beginning of the year? Like, has any of your income or assets or anything you made to change that I don't need to know about when I update the advice for you, or is it all kind of the same?\n\nOh, sweet. Well, I will update that. Yeah. Yep. I'll update.\n\nSo I have here your house was valued at $5.60, and mortgage at $4.20. $5.80 5. Yep. Perfect. Probably the investment probably is up to $6.30.\n\nSorry. $6.60, did you say? Sorry. $3.60. Did you say three sixty?\n\nYes. Amazing. And you said you paid off both motor vehicles, so there's nothing owing on either of them. Amazing. I'll update that.\n\nAnd mortgage on your property, about $4.20, or did that increase Okay. The loan. Sweet. Perfect. Okay.\n\nI'm sorry about that. Probably roughly about the same than $4.20. Yep. Okay. Anything else?\n\nNo? Okay. Perfect. Well, leave that with me, Kyle. I will go and update all of this and also triple check with Neos.\n\nBut, otherwise, I will speak to you on Wednesday, April 22 at 4PM. No problem. I look forward to speaking with you then, and I hope you enjoy the rest of your afternoon. Mhmm. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.03955518081784248},{"text":"This is Ronka speaking.","start":2.1599998,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.05177879519760609},{"text":"Yeah.","start":6.16,"end":6.48,"sentiment":"neutral","sentiment_score":0.19681155681610107},{"text":"Good.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.4192773103713989},{"text":"Thanks, Kyle.","start":6.7999997,"end":7.3599997,"sentiment":"positive","sentiment_score":0.4740934818983078}],"sentiment":"neutral","sentiment_score":0.20121624362137583,"num_words":9,"start":1.8399999,"end":7.3599997},{"sentences":[{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.3200772205988566},{"text":"That's good.","start":10.24,"end":10.8,"sentiment":"positive","sentiment_score":0.5201197862625122},{"text":"Thanks for returning my call.","start":10.8,"end":12.66,"sentiment":"neutral","sentiment_score":0.2302559271454811},{"text":"It kept cutting out, but I wasn't sure if that was my end or your end.","start":12.905,"end":16.285,"sentiment":"negative","sentiment_score":-0.391651070676744},{"text":"Yeah.","start":18.825,"end":19.325,"sentiment":"neutral","sentiment_score":-0.0881660059094429}],"sentiment":"neutral","sentiment_score":-0.11862341728475359,"num_words":27,"start":7.3599997,"end":19.325},{"sentences":[{"text":"On my end, it was, like, out ringed.","start":23.145,"end":25.064999,"sentiment":"neutral","sentiment_score":-0.3309044986963272},{"text":"And then as soon as it went to answer, it just cut out.","start":25.064999,"end":27.384998,"sentiment":"negative","sentiment_score":-0.3719091232006366},{"text":"And I was like, oh, that's strange.","start":27.384998,"end":29.28,"sentiment":"negative","sentiment_score":-0.3627770117350987},{"text":"But thanks for thanks for calling me back anyway.","start":29.740002,"end":32.08,"sentiment":"neutral","sentiment_score":0.2806284816728698},{"text":"I just had you booked in just to kind of go through the outcome we've heard back from Neos in regards to your insurances.","start":33.98,"end":40.08,"sentiment":"neutral","sentiment_score":0.09103766751165192}],"sentiment":"neutral","sentiment_score":-0.0870644806227723,"num_words":61,"start":23.145,"end":40.08},{"sentences":[{"text":"Is now still a good time?","start":40.38,"end":41.84,"sentiment":"neutral","sentiment_score":0.12110255906979243},{"text":"Yep.","start":43.015,"end":43.495,"sentiment":"neutral","sentiment_score":0.09957532584667206},{"text":"Perfect.","start":43.495,"end":43.995,"sentiment":"neutral","sentiment_score":0.2860419750213623},{"text":"So, essentially, Neos have come back, and they have said that they've been reviewing and confirming some information with your doctor.","start":44.455,"end":54.395,"sentiment":"neutral","sentiment_score":0.09279717150188628},{"text":"And some of the stuff that was in the reports and from the doctor was a little bit different to what we anticipated.","start":55.55,"end":62.93,"sentiment":"neutral","sentiment_score":-0.24312804509764133}],"sentiment":"neutral","sentiment_score":-0.04867253423883365,"num_words":52,"start":40.38,"end":62.93},{"sentences":[{"text":"So, basically, what the the doctor said is that whilst your liver function has improved, it has not returned to normal.","start":64.03,"end":75.725,"sentiment":"neutral","sentiment_score":-0.20338941471917288},{"text":"Now I'm just kind of stating the information that was provided.","start":75.784996,"end":78.845,"sentiment":"neutral","sentiment_score":-0.07012372260743921},{"text":"And, basically, the Cruzex hasn't returned to normal yet, and that's there there is records to say that the doctor advises you to reduce reduce it further.","start":82.14,"end":95.825005,"sentiment":"neutral","sentiment_score":-0.1710979563218576},{"text":"Now are you still drinking about 10 standard drinks per week?","start":96.765,"end":101.185,"sentiment":"neutral","sentiment_score":-0.10403411970897154},{"text":"No?","start":103.165,"end":103.665,"sentiment":"neutral","sentiment_score":-0.08706341683864594}],"sentiment":"neutral","sentiment_score":-0.15343129876214015,"num_words":71,"start":64.03,"end":103.665},{"sentences":[{"text":"Okay.","start":103.885,"end":104.385,"sentiment":"neutral","sentiment_score":-0.053226128220558167},{"text":"How what would you say?","start":106.605,"end":108.705,"sentiment":"neutral","sentiment_score":-0.07905561029911042},{"text":"About four.","start":110.85,"end":111.59,"sentiment":"neutral","sentiment_score":-0.029743426479399204},{"text":"Okay.","start":111.65,"end":112.15,"sentiment":"neutral","sentiment_score":-0.0029319580644369125},{"text":"What I'll do is I'll go and see if that makes any difference.","start":114.21,"end":117.35,"sentiment":"neutral","sentiment_score":0.0030439762541880975}],"sentiment":"neutral","sentiment_score":-0.02142505906522274,"num_words":22,"start":103.885,"end":117.35},{"sentences":[{"text":"When that's what the liver function he said?","start":117.97,"end":131.665,"sentiment":"neutral","sentiment_score":-0.07650240417569876},{"text":"The doctor?","start":131.665,"end":132.325,"sentiment":"neutral","sentiment_score":-0.05721493624150753},{"text":"Okay.","start":136.8,"end":137.04001,"sentiment":"neutral","sentiment_score":0.26214224100112915},{"text":"Yes.","start":137.04001,"end":137.36,"sentiment":"positive","sentiment_score":0.3781508803367615},{"text":"And I remember we kinda went through that, and that was all perfect.","start":137.36,"end":140.08,"sentiment":"positive","sentiment_score":0.6516944766044617}],"sentiment":"positive","sentiment_score":0.33543488845229147,"num_words":25,"start":117.97,"end":140.08},{"sentences":[{"text":"And the insurers are not worried about that at all because he has, you know, had a scan.","start":140.08,"end":144.24,"sentiment":"neutral","sentiment_score":0.23726662496725717},{"text":"Everything's cleared.","start":144.24,"end":145.3,"sentiment":"neutral","sentiment_score":0.2691761255264282},{"text":"The only thing that they are worried about is from what their doctor said, and I don't have access to.","start":145.44,"end":152.315,"sentiment":"negative","sentiment_score":-0.37853829748928547},{"text":"Obviously, for privacy, none of your medicals.","start":152.315,"end":154.55501,"sentiment":"neutral","sentiment_score":-0.16564635506698064},{"text":"So that's just what they've said, and they said that because the liver function hasn't improved like, hasn't returned to normal and that supposedly the doctor has advised that alcohol needs to be reduced further, they can't offer any cover.","start":154.55501,"end":171.9,"sentiment":"negative","sentiment_score":-0.3506605435162783}],"sentiment":"neutral","sentiment_score":-0.20629380086715193,"num_words":87,"start":140.08,"end":171.9},{"sentences":[{"text":"I would say maybe check-in with your doctor as well.","start":172.845,"end":177.025,"sentiment":"neutral","sentiment_score":-0.024279311299324036},{"text":"I will get the team to call Neos just to make sure.","start":178.205,"end":181.665,"sentiment":"neutral","sentiment_score":-0.006896838080137968},{"text":"Sometimes it's a bit tricky with doctors and stuff like that as well with reports and stuff like that.","start":182.125,"end":187.29,"sentiment":"neutral","sentiment_score":-0.16429584198876432},{"text":"But that's what Neos have the information that they have obtained from your doctor anyway.","start":188.56999,"end":194.03,"sentiment":"neutral","sentiment_score":-0.03227121978998184},{"text":"Now I will go and check with them anyway and say, well, no.","start":194.40999,"end":197.95,"sentiment":"neutral","sentiment_score":-0.037969958323698774}],"sentiment":"neutral","sentiment_score":-0.06412831772172796,"num_words":69,"start":172.845,"end":197.95},{"sentences":[{"text":"We're not at ten.","start":198.01,"end":199.20999,"sentiment":"neutral","sentiment_score":-0.12269862182438374},{"text":"We're at four if that makes a difference.","start":199.20999,"end":201.31,"sentiment":"neutral","sentiment_score":-0.041455544997006655},{"text":"The the information they said to us was that they would like alcohol to be at zero for two years before like, to make sure that the liver has improved.","start":202.27501,"end":215.815,"sentiment":"neutral","sentiment_score":-0.10357599904139837},{"text":"But, again yeah.","start":216.87001,"end":219.19,"sentiment":"neutral","sentiment_score":-0.19278647005558014},{"text":"And which is the case for most people.","start":219.19,"end":220.97,"sentiment":"neutral","sentiment_score":-0.14190961327403784}],"sentiment":"neutral","sentiment_score":-0.10647839877121854,"num_words":53,"start":198.01,"end":220.97},{"sentences":[{"text":"That's a lot.","start":221.35,"end":222.17,"sentiment":"neutral","sentiment_score":-0.2141499270995458},{"text":"So, basically, from here, what we can kind of do because I did check with what the information that we have been provided again from the doctors.","start":223.43001,"end":232.915,"sentiment":"neutral","sentiment_score":0.0014913872712188298},{"text":"Other insurance would have a similar outcome.","start":233.295,"end":235.875,"sentiment":"neutral","sentiment_score":-0.022933641182524816},{"text":"So from that, what we basically can do is that because you do have some insurance at the moment, we obviously don't wanna cancel any of that because I don't want to leave you uninsured.","start":237.135,"end":250.41,"sentiment":"neutral","sentiment_score":-0.09330391000424113},{"text":"Now you have some insurance with Osooper.","start":250.79001,"end":253.77,"sentiment":"neutral","sentiment_score":-0.05817528601203646}],"sentiment":"neutral","sentiment_score":-0.05614660336058351,"num_words":79,"start":221.35,"end":253.77},{"sentences":[{"text":"Now I know it's not as much as we were obviously looking at applying for.","start":254.39,"end":258.225,"sentiment":"neutral","sentiment_score":-0.19592533310254415},{"text":"And, hopefully, you know, rules and stuff with insurance, and if you do end up you know, when you do end up speaking to your doctor, if anything does change, we can always reassess it.","start":258.465,"end":267.665,"sentiment":"neutral","sentiment_score":0.08384580175791467},{"text":"So the good thing it's not a Mhmm.","start":267.665,"end":270.565,"sentiment":"neutral","sentiment_score":0.2232584992889315},{"text":"Okay.","start":274.53,"end":275.03,"sentiment":"neutral","sentiment_score":0.10924582183361052},{"text":"That's good.","start":275.09,"end":275.91,"sentiment":"neutral","sentiment_score":0.2601310834288597}],"sentiment":"neutral","sentiment_score":0.03952949259002678,"num_words":61,"start":254.39,"end":275.91},{"sentences":[{"text":"Yeah.","start":276.61002,"end":277.01,"sentiment":"neutral","sentiment_score":0.3140729069709778},{"text":"That's good.","start":277.01,"end":277.65,"sentiment":"positive","sentiment_score":0.5424224734306335},{"text":"Because the good thing is as well with it's like it's not like a set and forgetting.","start":277.65,"end":281.75,"sentiment":"positive","sentiment_score":0.4740480289739721},{"text":"If if it means we can't apply today, it doesn't mean that, you know, if you do go and see your doctor soon and, you know, he's really happy and he puts it in writing that, you know, he's happy with where things are at and things have returned to normal range, then we can always look at applying.","start":281.81,"end":298.005,"sentiment":"neutral","sentiment_score":0.3017031252384186},{"text":"So it's not like we we can't do it.","start":298.14,"end":299.82,"sentiment":"neutral","sentiment_score":-0.05369289881653256}],"sentiment":"neutral","sentiment_score":0.30426116643304174,"num_words":88,"start":276.61002,"end":299.82},{"sentences":[{"text":"But at least for the time being, what I would suggest, and I'll do a new SOA for you to show you what it would look like, it's just to retain your Australian suit.","start":299.82,"end":309.34003,"sentiment":"neutral","sentiment_score":0.09865937776425306},{"text":"But for the time being, temporarily, to make sure you have some cover in place.","start":309.34003,"end":313.335,"sentiment":"neutral","sentiment_score":0.06097220331430435},{"text":"Correct.","start":320.29498,"end":320.79498,"sentiment":"neutral","sentiment_score":-0.008612601086497307},{"text":"Exactly.","start":323.41498,"end":323.91498,"sentiment":"neutral","sentiment_score":0.09749364852905272},{"text":"And that's how we want it to be because that's what's going to give you the most growth.","start":324.055,"end":327.93,"sentiment":"neutral","sentiment_score":0.16261394570271173}],"sentiment":"neutral","sentiment_score":0.10557875309841357,"num_words":69,"start":299.82,"end":327.93},{"sentences":[{"text":"But just for so it's like and then sometimes because implementation sometimes takes a little bit as well.","start":328.25,"end":338.09,"sentiment":"neutral","sentiment_score":-0.10161901906960541},{"text":"And if it's been a little while of a system we spoke, it's like, oh, okay.","start":338.09,"end":341.38998,"sentiment":"neutral","sentiment_score":-0.09217537450604141},{"text":"What happened here?","start":341.495,"end":341.89502,"sentiment":"neutral","sentiment_score":-0.12475003053744634},{"text":"But, no, that's all there.","start":341.89502,"end":343.275,"sentiment":"neutral","sentiment_score":-0.16909443438053132},{"text":"So what I will do is I will book you in for probably a week, and it's really quick because there's not much change.","start":343.33502,"end":351.655,"sentiment":"neutral","sentiment_score":0.20767196252321204}],"sentiment":"neutral","sentiment_score":0.006976613662008083,"num_words":66,"start":328.25,"end":351.655},{"sentences":[{"text":"The only thing that will change is just I wanna give you a new essay to show you where what things would look like for the time being with retaining about 10,000 in all super just for those insurances temporarily just to give you a bit of an update on that.","start":351.655,"end":365.61002,"sentiment":"neutral","sentiment_score":0.2669701530945067},{"text":"So it is pretty straightforward.","start":365.61002,"end":367.07,"sentiment":"positive","sentiment_score":0.4544573426246643},{"text":"Do you have time sometime at the end of next week or the week after?","start":368.89502,"end":376.11502,"sentiment":"neutral","sentiment_score":0.11395317365725835},{"text":"What works for you, Kyle?","start":376.17502,"end":377.95502,"sentiment":"neutral","sentiment_score":0.10981049090623855},{"text":"Okay.","start":382.91,"end":383.41,"sentiment":"neutral","sentiment_score":0.04420415312051773}],"sentiment":"neutral","sentiment_score":0.2362379056292695,"num_words":77,"start":351.655,"end":383.41},{"sentences":[{"text":"So would you want to do before or after?","start":383.55,"end":387.00998,"sentiment":"neutral","sentiment_score":0.028894474315974448},{"text":"Yep.","start":390.50998,"end":391.00998,"sentiment":"neutral","sentiment_score":0.08858981728553772},{"text":"Okay.","start":393.325,"end":393.725,"sentiment":"neutral","sentiment_score":0.08776447176933289},{"text":"Let me have a look.","start":393.725,"end":395.245,"sentiment":"neutral","sentiment_score":0.08870775699615478},{"text":"So that is the, say, the twenty third.","start":395.245,"end":401.665,"sentiment":"neutral","sentiment_score":0.0897844871506095}],"sentiment":"neutral","sentiment_score":0.06659246833684544,"num_words":24,"start":383.55,"end":401.665},{"sentences":[{"text":"I do have an appointment booked at that time that I could do 03:00.","start":403.97998,"end":412.72,"sentiment":"neutral","sentiment_score":0.10804232635668345},{"text":"Would that work at all?","start":413.02,"end":414.31998,"sentiment":"neutral","sentiment_score":0.04951158314943314},{"text":"No.","start":416.155,"end":416.655,"sentiment":"neutral","sentiment_score":-0.21305736899375916},{"text":"About four, 04:30.","start":423.195,"end":424.575,"sentiment":"neutral","sentiment_score":-0.004594140996535619},{"text":"I could do 04:00 on Wednesday, the twenty second.","start":425.435,"end":429.375,"sentiment":"neutral","sentiment_score":0.004042683893607723}],"sentiment":"neutral","sentiment_score":0.049052963993744925,"num_words":32,"start":403.97998,"end":429.375},{"sentences":[{"text":"Next Wednesday.","start":434.53,"end":435.27,"sentiment":"neutral","sentiment_score":0.007271278649568558},{"text":"Correct.","start":435.41,"end":435.91,"sentiment":"neutral","sentiment_score":0.03987240046262741},{"text":"Do you think that would work?","start":436.29,"end":437.91,"sentiment":"neutral","sentiment_score":0.07577398978173733},{"text":"Yep.","start":441.49,"end":441.825,"sentiment":"neutral","sentiment_score":0.12861737608909607},{"text":"Okay.","start":449.825,"end":450.325,"sentiment":"neutral","sentiment_score":-0.03380252420902252}],"sentiment":"neutral","sentiment_score":0.05489761348475109,"num_words":11,"start":434.53,"end":450.325},{"sentences":[{"text":"Yep.","start":452.70502,"end":453.20502,"sentiment":"neutral","sentiment_score":0.00536850281059742},{"text":"Twenty second.","start":455.44,"end":456.34,"sentiment":"neutral","sentiment_score":0.009350221138447523},{"text":"Four o'clock.","start":457.52,"end":458.26,"sentiment":"neutral","sentiment_score":0.003632340580224991},{"text":"At 04:00.","start":458.48,"end":459.19998,"sentiment":"neutral","sentiment_score":0.015541818924248219},{"text":"Yep.","start":459.19998,"end":459.69998,"sentiment":"neutral","sentiment_score":0.0908137783408165}],"sentiment":"neutral","sentiment_score":0.019153880304656923,"num_words":8,"start":452.70502,"end":459.69998},{"sentences":[{"text":"That should be fine?","start":461.44,"end":462.16,"sentiment":"neutral","sentiment_score":0.3167795091867447},{"text":"Okay.","start":462.16,"end":462.56,"sentiment":"positive","sentiment_score":0.4169546663761139},{"text":"Amazing.","start":462.56,"end":463.06,"sentiment":"positive","sentiment_score":0.6337648630142212},{"text":"I will book that in on Wednesday, the twenty second for you, Kyle.","start":463.36,"end":466.575,"sentiment":"positive","sentiment_score":0.5062048114263095},{"text":"If anything changes, you can't make it, let me know.","start":467.05502,"end":469.635,"sentiment":"neutral","sentiment_score":0.13363315984606744}],"sentiment":"positive","sentiment_score":0.3529252314875866,"num_words":29,"start":461.44,"end":469.635},{"sentences":[{"text":"Otherwise so we can get so I can just get some updated balance for you in Australian Super.","start":471.61502,"end":477.535,"sentiment":"neutral","sentiment_score":0.27248136699199677},{"text":"What I have done is I have to send you an email with just a TPA to sign.","start":477.535,"end":482.84,"sentiment":"neutral","sentiment_score":0.103670717527469},{"text":"Would you be able to sign that now over in the phone by any chance just so I can get that sorted?","start":482.84,"end":489.5,"sentiment":"neutral","sentiment_score":0.0779249889945442},{"text":"Correct.","start":491.8,"end":492.19998,"sentiment":"neutral","sentiment_score":0.08304060250520706},{"text":"Yes.","start":492.19998,"end":492.52,"sentiment":"neutral","sentiment_score":0.10142912715673448}],"sentiment":"neutral","sentiment_score":0.14449261681487163,"num_words":60,"start":471.61502,"end":492.52},{"sentences":[{"text":"And the only thing that is is oh, sweet.","start":492.52,"end":495.395,"sentiment":"neutral","sentiment_score":0.2622954083813561},{"text":"Amazing.","start":495.395,"end":495.875,"sentiment":"positive","sentiment_score":0.7921463251113892},{"text":"Thank you so much for that.","start":495.875,"end":496.91498,"sentiment":"positive","sentiment_score":0.7941126426060995},{"text":"I will let the team know.","start":496.91498,"end":498.215,"sentiment":"positive","sentiment_score":0.5030928651491801},{"text":"And, basically, just for your reference, it is just so I can get new updated research on our super for you.","start":498.275,"end":503.97498,"sentiment":"neutral","sentiment_score":0.29967035211267923}],"sentiment":"positive","sentiment_score":0.40067710328933803,"num_words":43,"start":492.52,"end":503.97498},{"sentences":[{"text":"That's all that is.","start":504.035,"end":505.335,"sentiment":"neutral","sentiment_score":0.22761540859937668},{"text":"So I will get that working and sorted for you.","start":505.63498,"end":508.035,"sentiment":"neutral","sentiment_score":0.32551754266023636},{"text":"So when's the April 22 at 4PM.","start":508.035,"end":511.79,"sentiment":"neutral","sentiment_score":0.07535776123404503},{"text":"I'll make a little note here as well to say that you are kind of due to go back through the doctor.","start":511.93,"end":516.51,"sentiment":"neutral","sentiment_score":0.052662372165782886},{"text":"If anything does change if anything changed, like, if there if if you go to him and, you know, it's a bit of a change, you can always just let me know whenever.","start":517.45,"end":527.195,"sentiment":"neutral","sentiment_score":0.0416724370284514}],"sentiment":"neutral","sentiment_score":0.09509084209505665,"num_words":76,"start":504.035,"end":527.195},{"sentences":[{"text":"So whenever you do end up following, if anything changes, let me know.","start":527.195,"end":529.995,"sentiment":"neutral","sentiment_score":0.0815348166685838},{"text":"We can always revisit this as well whenever.","start":529.995,"end":532.815,"sentiment":"neutral","sentiment_score":0.09098483622074127},{"text":"But then at least we kinda Yeah.","start":534.075,"end":536.015,"sentiment":"neutral","sentiment_score":-0.02035281647528921},{"text":"Yeah.","start":539.57996,"end":540.07996,"sentiment":"neutral","sentiment_score":-0.07830029726028442},{"text":"Right.","start":542.3,"end":542.8,"sentiment":"neutral","sentiment_score":-0.060141079127788544}],"sentiment":"neutral","sentiment_score":0.050230673824747406,"num_words":30,"start":527.195,"end":542.8},{"sentences":[{"text":"Yeah.","start":546.22,"end":546.72,"sentiment":"neutral","sentiment_score":-0.0507856085896492},{"text":"So I would yeah.","start":546.77997,"end":548.56,"sentiment":"neutral","sentiment_score":-0.052272312343120575},{"text":"I'll I'll go back to the insurance again just to see, okay.","start":548.62,"end":551.33997,"sentiment":"neutral","sentiment_score":-0.031146362889558077},{"text":"No.","start":551.33997,"end":551.5,"sentiment":"neutral","sentiment_score":-0.06471063196659088},{"text":"It's a four.","start":551.5,"end":552.39996,"sentiment":"neutral","sentiment_score":-0.05232933908700943}],"sentiment":"neutral","sentiment_score":-0.04072999342211655,"num_words":21,"start":546.22,"end":552.39996},{"sentences":[{"text":"And also that you have not been advised by the doctor to reduce it, see if that makes a difference.","start":552.765,"end":559.42505,"sentiment":"neutral","sentiment_score":-0.04435274079442024},{"text":"But often, it's in writing.","start":559.965,"end":562.36505,"sentiment":"neutral","sentiment_score":-0.030908263474702834},{"text":"That's what they get.","start":562.36505,"end":563.245,"sentiment":"neutral","sentiment_score":-0.019090142101049423},{"text":"They request reports from the doctor in writing, so it's a bit of that.","start":563.245,"end":567.645,"sentiment":"neutral","sentiment_score":-0.026099252248448983},{"text":"But I'll yeah.","start":567.645,"end":576.52,"sentiment":"neutral","sentiment_score":-0.02305746575196584}],"sentiment":"neutral","sentiment_score":-0.033750405008702175,"num_words":46,"start":552.765,"end":576.52},{"sentences":[{"text":"Okay.","start":576.66,"end":577.16,"sentiment":"neutral","sentiment_score":-0.001058744266629219},{"text":"I'll I'll I'll triple check for you anyway and have it answered by next Wednesday, and we can we can go from there.","start":578.02,"end":585.275,"sentiment":"neutral","sentiment_score":0.13754293031018713},{"text":"Perfect.","start":586.455,"end":586.955,"sentiment":"neutral","sentiment_score":0.21136467158794403},{"text":"Now just before I let you go as well, like, how has anything changed in your life since we kind of went through a fact find at the beginning of the year?","start":587.495,"end":596.82,"sentiment":"neutral","sentiment_score":0.02386977628339082},{"text":"Like, has any of your income or assets or anything you made to change that I don't need to know about when I update the advice for you, or is it all kind of the same?","start":596.82,"end":606.28,"sentiment":"neutral","sentiment_score":-0.03561556711792946}],"sentiment":"neutral","sentiment_score":0.03070393278794263,"num_words":93,"start":576.66,"end":606.28},{"sentences":[{"text":"Oh, sweet.","start":613.315,"end":613.795,"sentiment":"neutral","sentiment_score":0.07188931107521057},{"text":"Well, I will update that.","start":613.795,"end":615.175,"sentiment":"neutral","sentiment_score":-0.05296234525740147},{"text":"Yeah.","start":615.235,"end":615.735,"sentiment":"neutral","sentiment_score":0.04267885535955429},{"text":"Yep.","start":615.875,"end":616.355,"sentiment":"neutral","sentiment_score":0.06652110069990158},{"text":"I'll update.","start":616.355,"end":616.915,"sentiment":"neutral","sentiment_score":0.07372322678565979}],"sentiment":"neutral","sentiment_score":0.01232848231765357,"num_words":11,"start":613.315,"end":616.915},{"sentences":[{"text":"So I have here your house was valued at $5.60, and mortgage at $4.20.","start":616.915,"end":624.12,"sentiment":"neutral","sentiment_score":0.03733554296195507},{"text":"$5.80 5.","start":630.18,"end":631.4,"sentiment":"neutral","sentiment_score":0.03297199495136738},{"text":"Yep.","start":634.515,"end":634.755,"sentiment":"neutral","sentiment_score":0.1339680701494217},{"text":"Perfect.","start":634.755,"end":635.23505,"sentiment":"neutral","sentiment_score":0.3068860173225403},{"text":"Probably the investment probably is up to $6.30.","start":635.23505,"end":637.73505,"sentiment":"neutral","sentiment_score":0.11319717671722174}],"sentiment":"neutral","sentiment_score":0.07442588817614776,"num_words":26,"start":616.915,"end":637.73505},{"sentences":[{"text":"Sorry.","start":637.79504,"end":638.11505,"sentiment":"neutral","sentiment_score":-0.018561795353889465},{"text":"$6.60, did you say?","start":638.11505,"end":639.495,"sentiment":"neutral","sentiment_score":-0.03708678996190429},{"text":"Sorry.","start":640.515,"end":640.91504,"sentiment":"neutral","sentiment_score":-0.03632407635450363},{"text":"$3.60.","start":640.91504,"end":641.655,"sentiment":"neutral","sentiment_score":-0.01295117288827896},{"text":"Did you say three sixty?","start":641.955,"end":643.41504,"sentiment":"neutral","sentiment_score":-0.008644377999007701}],"sentiment":"neutral","sentiment_score":-0.021617174536610644,"num_words":12,"start":637.79504,"end":643.41504},{"sentences":[{"text":"Yes.","start":647.25,"end":647.75,"sentiment":"neutral","sentiment_score":0.0503297783434391},{"text":"Amazing.","start":650.93,"end":651.43,"sentiment":"positive","sentiment_score":0.38829436898231506},{"text":"And you said you paid off both motor vehicles, so there's nothing owing on either of them.","start":651.64996,"end":655.88995,"sentiment":"neutral","sentiment_score":0.1577950915431275},{"text":"Amazing.","start":655.88995,"end":656.38995,"sentiment":"neutral","sentiment_score":0.2302764356136322},{"text":"I'll update that.","start":656.52997,"end":657.82996,"sentiment":"neutral","sentiment_score":0.011012069880962372}],"sentiment":"neutral","sentiment_score":0.14715014560067136,"num_words":23,"start":647.25,"end":657.82996},{"sentences":[{"text":"And mortgage on your property, about $4.20, or did that increase Okay.","start":658.20996,"end":672.395,"sentiment":"neutral","sentiment_score":-0.002583582807953159},{"text":"The loan.","start":674.71,"end":675.45,"sentiment":"neutral","sentiment_score":-0.026456725783646107},{"text":"Sweet.","start":676.63,"end":677.13,"sentiment":"neutral","sentiment_score":0.09881517291069032},{"text":"Perfect.","start":677.35,"end":677.85,"sentiment":"neutral","sentiment_score":0.15086118876934052},{"text":"Okay.","start":677.99,"end":678.39,"sentiment":"neutral","sentiment_score":0.027678312733769417}],"sentiment":"neutral","sentiment_score":0.011378719361827654,"num_words":17,"start":658.20996,"end":678.39},{"sentences":[{"text":"I'm sorry about that.","start":678.39,"end":679.27,"sentiment":"neutral","sentiment_score":-0.057654294185340405},{"text":"Probably roughly about the same than $4.20.","start":679.27,"end":681.61,"sentiment":"neutral","sentiment_score":-0.049448542296886444},{"text":"Yep.","start":682.87,"end":683.27,"sentiment":"neutral","sentiment_score":0.020259402692317963},{"text":"Okay.","start":683.27,"end":683.67,"sentiment":"neutral","sentiment_score":0.012108275666832924},{"text":"Anything else?","start":683.67,"end":684.57,"sentiment":"neutral","sentiment_score":0.015152057632803917}],"sentiment":"neutral","sentiment_score":-0.034272345279653865,"num_words":15,"start":678.39,"end":684.57},{"sentences":[{"text":"No?","start":687.365,"end":687.865,"sentiment":"neutral","sentiment_score":-0.05047471821308136},{"text":"Okay.","start":688.16504,"end":688.66504,"sentiment":"neutral","sentiment_score":0.07525064796209335},{"text":"Perfect.","start":688.885,"end":689.385,"sentiment":"neutral","sentiment_score":0.2064089477062225},{"text":"Well, leave that with me, Kyle.","start":689.765,"end":691.125,"sentiment":"neutral","sentiment_score":0.11543394501010577},{"text":"I will go and update all of this and also triple check with Neos.","start":691.125,"end":694.405,"sentiment":"neutral","sentiment_score":0.1106983064673841}],"sentiment":"neutral","sentiment_score":0.10754629730692376,"num_words":23,"start":687.365,"end":694.405},{"sentences":[{"text":"But, otherwise, I will speak to you on Wednesday, April 22 at 4PM.","start":694.405,"end":699.545,"sentiment":"neutral","sentiment_score":0.11164316735588588},{"text":"No problem.","start":701.49,"end":701.97003,"sentiment":"positive","sentiment_score":0.7413487732410431},{"text":"I look forward to speaking with you then, and I hope you enjoy the rest of your afternoon.","start":701.97003,"end":705.19,"sentiment":"positive","sentiment_score":0.7621170659032133},{"text":"Mhmm.","start":707.01,"end":707.33,"sentiment":"neutral","sentiment_score":0.18553109467029572},{"text":"Thanks.","start":707.33,"end":707.83,"sentiment":"positive","sentiment_score":0.6466003656387329}],"sentiment":"positive","sentiment_score":0.4995513533907277,"num_words":35,"start":694.405,"end":707.83},{"sentences":[{"text":"Bye.","start":707.89,"end":708.39,"sentiment":"positive","sentiment_score":0.4296070337295532}],"sentiment":"positive","sentiment_score":0.4296070337295532,"num_words":1,"start":707.89,"end":708.39}]}}]},{"alternatives":[{"transcript":"Good day, Veronica. How are you going? Yeah. Pretty good. Thank you. Yeah. Well, I tried to answer, but I've said hello, and there was nothing there both times. So I don't know what happened there. Yep. Yep. Yep. Alright. Yep. No. No. Probably four. The last appointment I had with him, he told me it was due to the medication he put me on to my migraine. So he we I stopped taking the medication. Yeah. Yep. Because I went and got a scan, and the scan came back fine. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. That's not gonna happen. Yep. Yep. Yep. Yep. I think I'm I am due for I think he last time I went, he said come back in twelve months, so I am probably due. Yep. Yep. Yeah. Well, I saw that you took a big withdrawal out of the Australian super anyway, so it's down pretty low anyway. So most of it's in Hub 24. Yep. It did freak me out for a minute, though, because I didn't know it was happening. I just saw a big withdrawal, and I was like, what the hell is going on? Yep. I'm heading to Launceston Friday next week. Yeah. I could do the Thursday, probably around the same time if that works. No. It's a bit too early for me with work. I I generally knock off around four, 04:30. So that's next Wednesday, 04:00. Just let me get me work fine. I'll check my calendar. Got a feeling I might have a meeting, or maybe that's this week. I don't know. There's always so many meetings. When was we looking? Next Wednesday for and what time? Four? Yeah. That should that should be fine. Yep. Is that the email I got an hour or so ago? Yeah. I've signed it. Yep. Yep. Yeah. I better book that appointment. I mean Yep. Yep. Yeah. I will. Well, hopefully, it is because I have I have cut back a lot on the alcohol, but he never told me to cut back. So what he told me and what he's told them isn't really lining up. Yep. Yeah. Yep. Yeah. I get it. The only time the only time I ever said anything about cutting back on alcohol is if the scan came back bad and the scan came back fine. So Yep. Yep. No worries. I think we've we did an equity release on our homes, and we've paid off both our vehicles. I don't know if that makes a difference. I think one of the houses is valued at $5.85 now, and the other one, last time I checked, was $3.60. What was that? 3 360 is our investment property, and our main home is valued at $5.85. Yep. Nope. Yeah. I think it's about 4 well, it's was an equity release, so it hasn't gone on to the home line. It's been a separate Yep. No. That's about it, I think. Yep. Sounds good. You too. Thank 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day, Veronica. How are you going? Yeah. Pretty good. Thank you.\n\nYeah. Well, I tried to answer, but I've said hello, and there was nothing there both times. So I don't know what happened there. Yep. Yep.\n\nYep. Alright. Yep. No. No.\n\nProbably four. The last appointment I had with him, he told me it was due to the medication he put me on to my migraine. So he we I stopped taking the medication. Yeah. Yep.\n\nBecause I went and got a scan, and the scan came back fine. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Yeah. That's not gonna happen.\n\nYep. Yep. Yep. Yep. I think I'm I am due for I think he last time I went, he said come back in twelve months, so I am probably due.\n\nYep. Yep. Yeah. Well, I saw that you took a big withdrawal out of the Australian super anyway, so it's down pretty low anyway. So most of it's in Hub 24.\n\nYep. It did freak me out for a minute, though, because I didn't know it was happening. I just saw a big withdrawal, and I was like, what the hell is going on? Yep. I'm heading to Launceston Friday next week.\n\nYeah. I could do the Thursday, probably around the same time if that works. No. It's a bit too early for me with work. I I generally knock off around four, 04:30.\n\nSo that's next Wednesday, 04:00. Just let me get me work fine. I'll check my calendar. Got a feeling I might have a meeting, or maybe that's this week. I don't know.\n\nThere's always so many meetings. When was we looking? Next Wednesday for and what time? Four? Yeah.\n\nThat should that should be fine. Yep. Is that the email I got an hour or so ago? Yeah. I've signed it.\n\nYep. Yep. Yeah. I better book that appointment. I mean Yep.\n\nYep. Yeah. I will. Well, hopefully, it is because I have I have cut back a lot on the alcohol, but he never told me to cut back. So what he told me and what he's told them isn't really lining up.\n\nYep. Yeah. Yep. Yeah. I get it.\n\nThe only time the only time I ever said anything about cutting back on alcohol is if the scan came back bad and the scan came back fine. So Yep. Yep. No worries. I think we've we did an equity release on our homes, and we've paid off both our vehicles.\n\nI don't know if that makes a difference. I think one of the houses is valued at $5.85 now, and the other one, last time I checked, was $3.60. What was that? 3 360 is our investment property, and our main home is valued at $5.85. Yep.\n\nNope. Yeah. I think it's about 4 well, it's was an equity release, so it hasn't gone on to the home line. It's been a separate Yep. No.\n\nThat's about it, I think. Yep. Sounds good. You too. 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don't know what happened 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four.","start":109.255,"end":110.315,"sentiment":"neutral","sentiment_score":-0.03977002762258053},{"text":"The last appointment I had with him, he told me it was due to the medication he put me on to my migraine.","start":117.71999,"end":123.899994,"sentiment":"neutral","sentiment_score":-0.13024430236090784},{"text":"So he we I stopped taking the medication.","start":124.2,"end":127.205,"sentiment":"neutral","sentiment_score":-0.10184121783822775},{"text":"Yeah.","start":132.065,"end":132.565,"sentiment":"neutral","sentiment_score":-0.017979595810174942},{"text":"Yep.","start":132.865,"end":133.365,"sentiment":"neutral","sentiment_score":-0.02941857278347015}],"sentiment":"neutral","sentiment_score":-0.11249391202415739,"num_words":35,"start":109.255,"end":133.365},{"sentences":[{"text":"Because I went and got a scan, and the scan came back fine.","start":133.66501,"end":136.80501,"sentiment":"neutral","sentiment_score":0.17873524129390717},{"text":"Yeah.","start":153.06001,"end":153.46,"sentiment":"neutral","sentiment_score":-0.1226811558008194},{"text":"Yeah.","start":153.46,"end":153.86,"sentiment":"neutral","sentiment_score":-0.12728971242904663},{"text":"Yeah.","start":153.86,"end":154.36,"sentiment":"neutral","sentiment_score":-0.12180991470813753},{"text":"Yep.","start":172.67,"end":173.17,"sentiment":"neutral","sentiment_score":-0.043276265263557434}],"sentiment":"neutral","sentiment_score":0.11226476991877836,"num_words":17,"start":133.66501,"end":173.17},{"sentences":[{"text":"Yep.","start":188.095,"end":188.595,"sentiment":"neutral","sentiment_score":-0.02281728945672512},{"text":"Yep.","start":194.735,"end":195.235,"sentiment":"neutral","sentiment_score":-0.010993602685630322},{"text":"Yep.","start":202.22,"end":202.72,"sentiment":"neutral","sentiment_score":-0.00894780084490776},{"text":"Yeah.","start":216.47499,"end":216.795,"sentiment":"neutral","sentiment_score":-0.0811726301908493},{"text":"That's not gonna happen.","start":216.795,"end":218.015,"sentiment":"neutral","sentiment_score":-0.20638354122638702}],"sentiment":"neutral","sentiment_score":-0.11868318601045758,"num_words":8,"start":188.095,"end":218.015},{"sentences":[{"text":"Yep.","start":221.75499,"end":222.25499,"sentiment":"neutral","sentiment_score":-0.0065578557550907135},{"text":"Yep.","start":236.99,"end":237.49,"sentiment":"neutral","sentiment_score":0.03420671820640564},{"text":"Yep.","start":251.415,"end":251.915,"sentiment":"neutral","sentiment_score":-0.032409198582172394},{"text":"Yep.","start":268.35,"end":268.66998,"sentiment":"positive","sentiment_score":0.3382209539413452},{"text":"I think I'm I am due for I think he last time I went, he said come back in twelve months, so I am probably due.","start":268.66998,"end":276.265,"sentiment":"neutral","sentiment_score":0.027586091596346635}],"sentiment":"neutral","sentiment_score":0.03502329997718334,"num_words":30,"start":221.75499,"end":276.265},{"sentences":[{"text":"Yep.","start":298.92,"end":299.42,"sentiment":"neutral","sentiment_score":-0.09417976438999176},{"text":"Yep.","start":311.595,"end":312.09,"sentiment":"neutral","sentiment_score":0.0815364271402359},{"text":"Yeah.","start":313.85,"end":314.09,"sentiment":"neutral","sentiment_score":0.022188112139701843},{"text":"Well, I saw that you took a big withdrawal out of the Australian super anyway, so it's down pretty low anyway.","start":314.09,"end":320.81,"sentiment":"neutral","sentiment_score":-0.0645233578979969},{"text":"So most of it's in Hub 24.","start":320.81,"end":323.31,"sentiment":"neutral","sentiment_score":0.011608888794268881}],"sentiment":"neutral","sentiment_score":-0.04078011352929377,"num_words":31,"start":298.92,"end":323.31},{"sentences":[{"text":"Yep.","start":328.605,"end":328.925,"sentiment":"neutral","sentiment_score":-0.027806051075458527},{"text":"It did freak me out for a minute, though, because I didn't know it was happening.","start":328.925,"end":331.885,"sentiment":"neutral","sentiment_score":-0.13255259627476335},{"text":"I just saw a big withdrawal, and I was like, what the hell is going on?","start":331.885,"end":335.105,"sentiment":"neutral","sentiment_score":-0.12134392745792866},{"text":"Yep.","start":349.40002,"end":349.90002,"sentiment":"neutral","sentiment_score":0.25289541482925415},{"text":"I'm heading to Launceston Friday next week.","start":378.71,"end":382.33,"sentiment":"neutral","sentiment_score":0.07062757707067899}],"sentiment":"neutral","sentiment_score":-0.08153321893840301,"num_words":41,"start":328.605,"end":382.33},{"sentences":[{"text":"Yeah.","start":387.105,"end":387.505,"sentiment":"neutral","sentiment_score":0.077350914478302},{"text":"I could do the Thursday, probably around the same time if that works.","start":387.505,"end":392.64502,"sentiment":"neutral","sentiment_score":0.1021953305372825},{"text":"No.","start":414.78497,"end":415.10498,"sentiment":"neutral","sentiment_score":-0.18586984276771543},{"text":"It's a bit too early for me with work.","start":415.10498,"end":417.525,"sentiment":"neutral","sentiment_score":-0.2225838005542755},{"text":"I I generally knock off around four, 04:30.","start":419.10498,"end":422.56497,"sentiment":"neutral","sentiment_score":-0.06679114559665322}],"sentiment":"neutral","sentiment_score":-0.04117384378332645,"num_words":32,"start":387.105,"end":422.56497},{"sentences":[{"text":"So that's next Wednesday, 04:00.","start":432.08002,"end":436.98,"sentiment":"neutral","sentiment_score":0.01402535494416952},{"text":"Just let me get me work fine.","start":439.235,"end":440.75497,"sentiment":"neutral","sentiment_score":0.22276649730546133},{"text":"I'll check my calendar.","start":440.75497,"end":442.055,"sentiment":"neutral","sentiment_score":0.14146237075328827},{"text":"Got a feeling I might have a meeting, or maybe that's this week.","start":443.395,"end":448.69498,"sentiment":"neutral","sentiment_score":0.05042785778641701},{"text":"I don't know.","start":449.81,"end":450.21,"sentiment":"neutral","sentiment_score":-0.041520773122708}],"sentiment":"neutral","sentiment_score":0.08519817408523522,"num_words":32,"start":432.08002,"end":450.21},{"sentences":[{"text":"There's always so many meetings.","start":450.21,"end":451.75,"sentiment":"neutral","sentiment_score":-0.04953962862491608},{"text":"When was we looking?","start":453.25,"end":454.29,"sentiment":"neutral","sentiment_score":-0.0006951503455638885},{"text":"Next Wednesday for and what time?","start":454.29,"end":457.97,"sentiment":"neutral","sentiment_score":0.006002395258595546},{"text":"Four?","start":457.97,"end":458.47,"sentiment":"neutral","sentiment_score":0.004625666420906782},{"text":"Yeah.","start":459.73,"end":459.97,"sentiment":"neutral","sentiment_score":0.14579245448112488}],"sentiment":"neutral","sentiment_score":-0.0037674265913665295,"num_words":17,"start":450.21,"end":459.97},{"sentences":[{"text":"That should that should be fine.","start":459.97,"end":461.535,"sentiment":"neutral","sentiment_score":0.26842645307381946},{"text":"Yep.","start":470.495,"end":470.995,"sentiment":"neutral","sentiment_score":0.18872301280498505},{"text":"Is that the email I got an hour or so ago?","start":488.305,"end":491.605,"sentiment":"neutral","sentiment_score":0.026918810326606035},{"text":"Yeah.","start":492.865,"end":493.185,"sentiment":"neutral","sentiment_score":0.1422930508852005},{"text":"I've signed it.","start":493.185,"end":494.165,"sentiment":"neutral","sentiment_score":0.21555992464224497}],"sentiment":"neutral","sentiment_score":0.13110733952965925,"num_words":22,"start":459.97,"end":494.165},{"sentences":[{"text":"Yep.","start":504.47,"end":504.97,"sentiment":"neutral","sentiment_score":0.19293713569641113},{"text":"Yep.","start":505.83002,"end":506.33002,"sentiment":"neutral","sentiment_score":0.24029263854026792},{"text":"Yeah.","start":517.215,"end":517.53503,"sentiment":"neutral","sentiment_score":0.03970424085855484},{"text":"I better book that appointment.","start":517.53503,"end":518.815,"sentiment":"neutral","sentiment_score":0.0296919584274292},{"text":"I mean Yep.","start":518.815,"end":528.36,"sentiment":"neutral","sentiment_score":0.03332838167746862}],"sentiment":"neutral","sentiment_score":0.06557990475134416,"num_words":11,"start":504.47,"end":528.36},{"sentences":[{"text":"Yep.","start":532.51996,"end":533.01996,"sentiment":"neutral","sentiment_score":0.02488372102379799},{"text":"Yeah.","start":533.8,"end":534.04,"sentiment":"neutral","sentiment_score":0.01494992896914482},{"text":"I will.","start":534.04,"end":534.6,"sentiment":"neutral","sentiment_score":-0.008182785008102655},{"text":"Well, hopefully, it is because I have I have cut back a lot on the alcohol, but he never told me to cut back.","start":534.6,"end":541.32,"sentiment":"neutral","sentiment_score":-0.0910134472263356},{"text":"So what he told me and what he's told them isn't really lining up.","start":541.32,"end":545.815,"sentiment":"neutral","sentiment_score":-0.11726663634181023}],"sentiment":"neutral","sentiment_score":-0.0905377991009681,"num_words":42,"start":532.51996,"end":545.815},{"sentences":[{"text":"Yep.","start":553.235,"end":553.735,"sentiment":"neutral","sentiment_score":-0.015390085987746716},{"text":"Yeah.","start":564.09,"end":564.57,"sentiment":"neutral","sentiment_score":-0.010582244023680689},{"text":"Yep.","start":564.57,"end":564.89,"sentiment":"neutral","sentiment_score":-0.011998969130218027},{"text":"Yeah.","start":564.89,"end":565.13,"sentiment":"neutral","sentiment_score":-0.01136345323175192},{"text":"I get it.","start":565.13,"end":566.03,"sentiment":"neutral","sentiment_score":-0.028640827164053917}],"sentiment":"neutral","sentiment_score":-0.019322461980794157,"num_words":7,"start":553.235,"end":566.03},{"sentences":[{"text":"The only time the only time I ever said anything about cutting back on alcohol is if the scan came back bad and the scan came back fine.","start":567.29004,"end":575.875,"sentiment":"neutral","sentiment_score":-0.07291014718690089},{"text":"So Yep.","start":575.875,"end":581.73505,"sentiment":"neutral","sentiment_score":0.06418771296739578},{"text":"Yep.","start":586.07996,"end":586.24,"sentiment":"neutral","sentiment_score":0.11464080214500429},{"text":"No worries.","start":586.24,"end":587.06,"sentiment":"neutral","sentiment_score":0.13245704770088196},{"text":"I think we've we did an equity release on our homes, and we've paid off both our vehicles.","start":606.515,"end":612.535,"sentiment":"neutral","sentiment_score":-0.021881016281743843}],"sentiment":"neutral","sentiment_score":-0.03779239393770695,"num_words":51,"start":567.29004,"end":612.535},{"sentences":[{"text":"I don't know if that makes a difference.","start":613.80005,"end":615.58,"sentiment":"neutral","sentiment_score":-0.04590211296454072},{"text":"I think one of the houses is valued at $5.85 now, and the other one, last time I checked, was $3.60.","start":624.84,"end":634.015,"sentiment":"neutral","sentiment_score":0.026000045461668855},{"text":"What was that?","start":640.94995,"end":641.85,"sentiment":"neutral","sentiment_score":-0.015363105572760105},{"text":"3 360 is our investment property, and our main home is valued at $5.85.","start":642.47,"end":650.64996,"sentiment":"neutral","sentiment_score":0.03422907939446824},{"text":"Yep.","start":654.815,"end":655.315,"sentiment":"neutral","sentiment_score":0.07533717155456543}],"sentiment":"neutral","sentiment_score":0.014622106751862993,"num_words":47,"start":613.80005,"end":655.315},{"sentences":[{"text":"Nope.","start":656.255,"end":656.755,"sentiment":"neutral","sentiment_score":0.024125341325998303},{"text":"Yeah.","start":666.33496,"end":666.815,"sentiment":"neutral","sentiment_score":0.017499446868896484},{"text":"I think it's about 4 well, it's was an equity release, so it hasn't gone on to the home line.","start":666.815,"end":674.63,"sentiment":"neutral","sentiment_score":-0.014362940052524208},{"text":"It's been a separate Yep.","start":674.63,"end":686.295,"sentiment":"neutral","sentiment_score":-0.01274026739411056},{"text":"No.","start":686.295,"end":686.535,"sentiment":"neutral","sentiment_score":-0.08254022151231766}],"sentiment":"neutral","sentiment_score":-0.01399555611923071,"num_words":28,"start":656.255,"end":686.535},{"sentences":[{"text":"That's about it, I think.","start":686.535,"end":687.83496,"sentiment":"neutral","sentiment_score":-0.07871655076742172},{"text":"Yep.","start":699.99,"end":700.31,"sentiment":"positive","sentiment_score":0.4231500029563904},{"text":"Sounds good.","start":700.31,"end":701.03094,"sentiment":"positive","sentiment_score":0.7965770363807678},{"text":"You too.","start":705.99097,"end":706.73096,"sentiment":"positive","sentiment_score":0.4397903382778168},{"text":"Thank you.","start":708.55096,"end":709.371,"sentiment":"neutral","sentiment_score":0.29440391808748245}],"sentiment":"neutral","sentiment_score":0.257592486217618,"num_words":12,"start":686.535,"end":709.371}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello. This is Ronka speaking.\n\nChannel 1: Good day, Veronica. How are you going?\n\nChannel 0: Yeah. Good. Thanks, Kyle. How are you?\n\nChannel 1: Yeah. Pretty good. Thank you.\n\nChannel 0: That's good. Thanks for returning my call. It kept cutting out, but I wasn't sure if that was my end or your end.\n\nChannel 1: Yeah. Well, I tried to answer, but I've said\n\nChannel 0: Yeah.\n\nChannel 1: hello, and there was nothing there both times. So I don't know what happened there.\n\nChannel 0: On my end, it was, like, out ringed. And then as soon as it went to answer, it just cut out. And I was like, oh, that's strange.\n\nChannel 1: Yep.\n\nChannel 0: But thanks for thanks for calling me back anyway. I just had you booked in just to kind of go through the outcome we've heard back from Neos in regards to your insurances. Is now still a good time?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So, essentially, Neos have come back, and they have said that they've been reviewing and confirming some information with your doctor.\n\nChannel 1: Yep.\n\nChannel 0: And some of the stuff that was in the reports and from the doctor was a little bit different to what we anticipated. So, basically,\n\nChannel 1: Alright.\n\nChannel 0: what the the doctor said is that whilst your liver function has improved, it has not returned to normal. Now I'm just kind of stating the information that was provided.\n\nChannel 1: Yep.\n\nChannel 0: And, basically, the Cruzex hasn't returned to normal yet, and that's there there is records to say that the doctor advises you to reduce reduce it further. Now are you still\n\nChannel 1: No.\n\nChannel 0: drinking about 10 standard drinks per week? No? Okay.\n\nChannel 1: No.\n\nChannel 0: How what would you say?\n\nChannel 1: Probably four.\n\nChannel 0: About four. Okay. What I'll do is I'll go and see if that makes any difference.\n\nChannel 1: The last\n\nChannel 0: When\n\nChannel 1: appointment I had with him, he told me it was due to the medication he put me on to my migraine. So he we I stopped taking the medication.\n\nChannel 0: that's what the liver function he said? The doctor?\n\nChannel 1: Yeah. Yep. Because I went and got a scan, and the scan came back fine.\n\nChannel 0: Okay. Yes. And I remember we kinda went through that, and that was all perfect. And the insurers are not worried about that at all because he has, you know, had a scan. Everything's cleared.\n\nThe only thing that they are worried about is from what their doctor said, and I don't have access to. Obviously, for privacy,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: none of your\n\nChannel 1: Yeah.\n\nChannel 0: medicals. So that's just what they've said, and they said that because the liver function hasn't improved like, hasn't returned to normal and that supposedly the doctor has advised that alcohol needs to be reduced further, they can't offer any cover.\n\nChannel 1: Yep.\n\nChannel 0: I would say maybe check-in with your doctor as well. I will get the team to call Neos just to make sure. Sometimes it's a bit tricky with doctors and stuff like that as well with reports and stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: But that's what Neos have the information that they have obtained from your doctor anyway. Now I will\n\nChannel 1: Yep.\n\nChannel 0: go and check with them anyway and say, well, no. We're not at ten. We're at four if that makes a difference.\n\nChannel 1: Yep.\n\nChannel 0: The the information they said to us was that they would like alcohol to be at zero for two years before like, to make sure that the liver has improved.\n\nChannel 1: Yeah. That's\n\nChannel 0: But,\n\nChannel 1: not\n\nChannel 0: again\n\nChannel 1: gonna happen.\n\nChannel 0: yeah. And which is the case for most people. That's a lot.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, from here, what we can kind of do because I did check with what the information that we have been provided again from the doctors. Other insurance would have a similar outcome.\n\nChannel 1: Yep.\n\nChannel 0: So from that, what we basically can do is that because you do have some insurance at the moment, we obviously don't wanna cancel any of that because I don't want to leave you uninsured. Now you have\n\nChannel 1: Yep.\n\nChannel 0: some insurance with Osooper. Now I know it's not as much as we were obviously looking at applying for. And, hopefully, you know, rules and stuff with insurance, and if you do end up you know, when you do end up speaking to your doctor, if anything does change, we can always reassess it. So the good thing\n\nChannel 1: Yep.\n\nChannel 0: it's\n\nChannel 1: I\n\nChannel 0: not\n\nChannel 1: think\n\nChannel 0: a\n\nChannel 1: I'm I am due\n\nChannel 0: Mhmm.\n\nChannel 1: for I think he last time I went, he said come back in twelve months, so\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: am probably\n\nChannel 0: good.\n\nChannel 1: due.\n\nChannel 0: Yeah. That's good. Because the good thing is as well with it's like it's not like a set and forgetting. If if it means we can't apply today, it doesn't mean that, you know, if you do go and see your doctor soon and, you know, he's really happy and he puts it in writing that, you know, he's happy with where things are at and things have returned to normal range, then we can always look at applying. So it's not like we\n\nChannel 1: Yep.\n\nChannel 0: we can't do it. But at least for the time being, what I would suggest, and I'll do a new SOA for you to show you what it would look like, it's just to retain your Australian suit. But for the time being, temporarily, to make\n\nChannel 1: Yep.\n\nChannel 0: sure you have some cover in place.\n\nChannel 1: Yeah. Well, I saw that you took a big withdrawal out of the Australian super anyway, so it's down pretty low\n\nChannel 0: Correct.\n\nChannel 1: anyway. So most of it's in Hub 24.\n\nChannel 0: Exactly. And that's how we want it to be because that's what's going to give you the most growth. But just\n\nChannel 1: Yep. It\n\nChannel 0: for\n\nChannel 1: did freak me out for a minute, though, because I didn't know it was happening. I just saw a big withdrawal, and I was like, what the hell\n\nChannel 0: so\n\nChannel 1: is going\n\nChannel 0: it's like\n\nChannel 1: on?\n\nChannel 0: and then sometimes because implementation sometimes takes a little bit as well. And if it's been a little while of a system we spoke, it's like, oh, okay. What happened here? But, no, that's all there. So what I will do is I will book you in for probably a week, and it's really\n\nChannel 1: Yep.\n\nChannel 0: quick because there's not much change. The only thing that will change is just I wanna give you a new essay to show you where what things would look like for the time being with retaining about 10,000 in all super just for those insurances temporarily just to give you a bit of an update on that. So it is pretty straightforward. Do you have time sometime at the end of next week or the week after? What works for you, Kyle?\n\nChannel 1: I'm heading to Launceston Friday next week.\n\nChannel 0: Okay. So would you want to do before or after?\n\nChannel 1: Yeah. I could do the Thursday, probably\n\nChannel 0: Yep.\n\nChannel 1: around the same time if that works.\n\nChannel 0: Okay. Let me have a look. So that is the, say, the twenty third. I do have an appointment booked at that time that I could do 03:00. Would that work at all?\n\nChannel 1: No. It's a bit too early\n\nChannel 0: No.\n\nChannel 1: for me with work. I I generally knock off around four, 04:30.\n\nChannel 0: About four, 04:30. I could do 04:00 on Wednesday, the twenty second.\n\nChannel 1: So that's next Wednesday,\n\nChannel 0: Next Wednesday. Correct.\n\nChannel 1: 04:00.\n\nChannel 0: Do you think that would work?\n\nChannel 1: Just let me get me work fine. I'll check my\n\nChannel 0: Yep.\n\nChannel 1: calendar. Got a feeling I might have a meeting, or maybe that's this week. I\n\nChannel 0: Okay.\n\nChannel 1: don't know. There's always so many meetings.\n\nChannel 0: Yep.\n\nChannel 1: When was we looking? Next Wednesday\n\nChannel 0: Twenty\n\nChannel 1: for\n\nChannel 0: second.\n\nChannel 1: and what\n\nChannel 0: Four\n\nChannel 1: time?\n\nChannel 0: o'clock.\n\nChannel 1: Four?\n\nChannel 0: At 04:00. Yep.\n\nChannel 1: Yeah. That should that should be fine.\n\nChannel 0: That should be fine? Okay. Amazing. I will book that in on Wednesday, the twenty second for you, Kyle. If anything changes, you can't make it, let me know.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise so we can get so I can just get some updated balance for you in Australian Super. What I have done is I have to send you an email with just a TPA to sign. Would you be able to sign that now over in the phone by any chance just so I can\n\nChannel 1: Is\n\nChannel 0: get\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: the\n\nChannel 0: sorted?\n\nChannel 1: email I got an hour or so ago?\n\nChannel 0: Correct. Yes. And the only\n\nChannel 1: Yeah.\n\nChannel 0: thing\n\nChannel 1: I've\n\nChannel 0: that\n\nChannel 1: signed it.\n\nChannel 0: is is oh, sweet. Amazing. Thank you so much for that. I will let the team know. And, basically, just for your reference, it is just so I can get new updated research on our super for you.\n\nThat's all\n\nChannel 1: Yep.\n\nChannel 0: that is. So\n\nChannel 1: Yep.\n\nChannel 0: I will get that working and sorted for you. So when's the April 22 at 4PM. I'll make a little note here as well to say that you are kind of due to go back through the doctor.\n\nChannel 1: Yeah.\n\nChannel 0: If\n\nChannel 1: I\n\nChannel 0: anything\n\nChannel 1: better book\n\nChannel 0: does\n\nChannel 1: that appointment.\n\nChannel 0: change\n\nChannel 1: I mean\n\nChannel 0: if anything changed, like, if there if if you go to him and, you know, it's a bit of a change, you can always just let me know whenever. So whenever you do end\n\nChannel 1: Yep.\n\nChannel 0: up following, if anything changes, let me know. We can always revisit this as well whenever.\n\nChannel 1: Yep. Yeah. I\n\nChannel 0: But\n\nChannel 1: will.\n\nChannel 0: then at least\n\nChannel 1: Well, hopefully,\n\nChannel 0: we kinda\n\nChannel 1: it is\n\nChannel 0: Yeah.\n\nChannel 1: because I have I have cut back a lot on the alcohol, but he never told me\n\nChannel 0: Yeah.\n\nChannel 1: to cut back. So what\n\nChannel 0: Right.\n\nChannel 1: he told me and what he's told them isn't really lining up.\n\nChannel 0: Yeah. So I would yeah. I'll I'll go back to the insurance again just to see, okay. No. It's a four.\n\nAnd also\n\nChannel 1: Yep.\n\nChannel 0: that you have not been advised by the doctor to reduce it, see if that makes a difference. But often, it's in writing. That's what they get. They request reports\n\nChannel 1: Yeah.\n\nChannel 0: from the\n\nChannel 1: Yep.\n\nChannel 0: doctor\n\nChannel 1: Yeah. I\n\nChannel 0: in\n\nChannel 1: get\n\nChannel 0: writing,\n\nChannel 1: it.\n\nChannel 0: so it's a bit\n\nChannel 1: The\n\nChannel 0: of\n\nChannel 1: only\n\nChannel 0: that. But I'll\n\nChannel 1: time the only time I ever said anything about cutting back on alcohol is if the scan came back bad and the scan came back fine. So\n\nChannel 0: yeah. Okay. I'll I'll I'll triple check for you anyway and have it answered by next\n\nChannel 1: Yep.\n\nChannel 0: Wednesday, and we can we can go from there.\n\nChannel 1: Yep. No\n\nChannel 0: Perfect.\n\nChannel 1: worries.\n\nChannel 0: Now just before I let you go as well, like, how has anything changed in your life since we kind of went through a fact find at the beginning of the year? Like, has any of your income or assets or anything you made to change that I don't need to know about when I update the advice for you, or is it all kind of the same?\n\nChannel 1: I think we've we did an equity release on our homes, and we've paid off both our vehicles.\n\nChannel 0: Oh, sweet. Well,\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: don't\n\nChannel 0: will\n\nChannel 1: know\n\nChannel 0: update\n\nChannel 1: if that\n\nChannel 0: that.\n\nChannel 1: makes a difference.\n\nChannel 0: Yeah. Yep. I'll update. So I have here your house was valued at $5.60, and mortgage at $4.20.\n\nChannel 1: I think one of the houses is valued at $5.85 now,\n\nChannel 0: $5.80\n\nChannel 1: and the other\n\nChannel 0: 5.\n\nChannel 1: one, last time I checked, was $3.60.\n\nChannel 0: Yep. Perfect. Probably the investment probably is up to $6.30. Sorry. $6.60, did you say?\n\nSorry. $3.60.\n\nChannel 1: What was that?\n\nChannel 0: Did you say\n\nChannel 1: 3\n\nChannel 0: three sixty?\n\nChannel 1: 360 is our investment property, and our\n\nChannel 0: Yes.\n\nChannel 1: main home is valued at $5.85.\n\nChannel 0: Amazing. And you said you paid off both motor vehicles, so there's nothing owing\n\nChannel 1: Yep.\n\nChannel 0: on either of them. Amazing.\n\nChannel 1: Nope.\n\nChannel 0: I'll update that. And mortgage on your property, about $4.20, or did that increase\n\nChannel 1: Yeah. I think it's about 4 well, it's was an equity release, so it\n\nChannel 0: Okay.\n\nChannel 1: hasn't gone on to the home line. It's\n\nChannel 0: The\n\nChannel 1: been\n\nChannel 0: loan.\n\nChannel 1: a separate\n\nChannel 0: Sweet. Perfect. Okay. I'm sorry about that. Probably roughly about the same than $4.20.\n\nYep. Okay. Anything else?\n\nChannel 1: Yep. No. That's about it, I think.\n\nChannel 0: No? Okay. Perfect. Well, leave that with me, Kyle. I will go and update all of this and also triple check with Neos.\n\nBut, otherwise, I will speak to you on Wednesday, April 22 at 4PM.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: No problem. I look forward to speaking with you then, and I hope you enjoy the rest of your afternoon.\n\nChannel 1: You too.\n\nChannel 0: Mhmm. Thanks. Bye.\n\nChannel 1: Thank you.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.03955518081784248},{"text":"This is Ronka speaking.","start":2.1599998,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.05177879519760609}],"sentiment":"neutral","sentiment_score":0.04933407232165336,"channel":0,"num_words":5,"start":1.8399999,"end":3.3799999},{"sentences":[{"text":"Good day, Veronica.","start":4.16,"end":5.04,"sentiment":"positive","sentiment_score":0.44866251945495605},{"text":"How are you going?","start":5.04,"end":5.94,"sentiment":"positive","sentiment_score":0.35003428906202316}],"sentiment":"positive","sentiment_score":0.3923035306589944,"channel":1,"num_words":7,"start":4.16,"end":5.94},{"sentences":[{"text":"Yeah.","start":6.16,"end":6.48,"sentiment":"neutral","sentiment_score":0.19681155681610107},{"text":"Good.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.4192773103713989},{"text":"Thanks, Kyle.","start":6.7999997,"end":7.3599997,"sentiment":"positive","sentiment_score":0.4740934818983078},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.3200772205988566}],"sentiment":"positive","sentiment_score":0.36064392754009794,"channel":0,"num_words":7,"start":6.16,"end":8.18},{"sentences":[{"text":"Yeah.","start":8.48,"end":8.8,"sentiment":"neutral","sentiment_score":0.2415544092655182},{"text":"Pretty good.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.517441064119339},{"text":"Thank you.","start":9.2,"end":9.94,"sentiment":"positive","sentiment_score":0.5631374716758728}],"sentiment":"positive","sentiment_score":0.4805422961711884,"channel":1,"num_words":5,"start":8.48,"end":9.94},{"sentences":[{"text":"That's good.","start":10.24,"end":10.8,"sentiment":"positive","sentiment_score":0.5201197862625122},{"text":"Thanks for returning my call.","start":10.8,"end":12.66,"sentiment":"neutral","sentiment_score":0.2302559271454811},{"text":"It kept cutting out, but I wasn't sure if that was my end or your end.","start":12.905,"end":16.285,"sentiment":"negative","sentiment_score":-0.391651070676744}],"sentiment":"neutral","sentiment_score":-0.17716947489458582,"channel":0,"num_words":23,"start":10.24,"end":16.285},{"sentences":[{"text":"Yeah.","start":16.135,"end":16.375,"sentiment":"neutral","sentiment_score":-0.10609450936317444},{"text":"Well, I tried to answer, but I've said","start":16.375,"end":18.935001,"sentiment":"neutral","sentiment_score":-0.11198308086022735}],"sentiment":"neutral","sentiment_score":-0.11132879513833258,"channel":1,"num_words":9,"start":16.135,"end":18.935001},{"sentences":[{"text":"Yeah.","start":18.825,"end":19.325,"sentiment":"neutral","sentiment_score":-0.0881660059094429}],"sentiment":"neutral","sentiment_score":-0.0881660059094429,"channel":0,"num_words":1,"start":18.825,"end":19.325},{"sentences":[{"text":"hello, and there was nothing there both times.","start":18.935001,"end":21.015,"sentiment":"neutral","sentiment_score":-0.2523803301155567},{"text":"So I don't know what happened there.","start":21.015,"end":22.635,"sentiment":"neutral","sentiment_score":-0.3115624359675816}],"sentiment":"neutral","sentiment_score":-0.279998646179835,"channel":1,"num_words":15,"start":18.935001,"end":22.635},{"sentences":[{"text":"On my end, it was, like, out ringed.","start":23.145,"end":25.064999,"sentiment":"neutral","sentiment_score":-0.3309044986963272},{"text":"And then as soon as it went to answer, it just cut out.","start":25.064999,"end":27.384998,"sentiment":"negative","sentiment_score":-0.3719091232006366},{"text":"And I was like, oh, that's strange.","start":27.384998,"end":29.28,"sentiment":"negative","sentiment_score":-0.3627770117350987}],"sentiment":"negative","sentiment_score":-0.3579104883330209,"channel":0,"num_words":28,"start":23.145,"end":29.28},{"sentences":[{"text":"Yep.","start":29.35,"end":29.85,"sentiment":"neutral","sentiment_score":-0.037020083516836166}],"sentiment":"neutral","sentiment_score":-0.037020083516836166,"channel":1,"num_words":1,"start":29.35,"end":29.85},{"sentences":[{"text":"But thanks for thanks for calling me back anyway.","start":29.740002,"end":32.08,"sentiment":"neutral","sentiment_score":0.2806284816728698},{"text":"I just had you booked in just to kind of go through the outcome we've heard back from Neos in regards to your insurances.","start":33.98,"end":40.08,"sentiment":"neutral","sentiment_score":0.09103766751165192},{"text":"Is now still a good time?","start":40.38,"end":41.84,"sentiment":"neutral","sentiment_score":0.12110255906979243}],"sentiment":"neutral","sentiment_score":0.13941476178856996,"channel":0,"num_words":39,"start":29.740002,"end":41.84},{"sentences":[{"text":"Yep.","start":42.285,"end":42.785,"sentiment":"neutral","sentiment_score":0.057358518242836}],"sentiment":"neutral","sentiment_score":0.057358518242836,"channel":1,"num_words":1,"start":42.285,"end":42.785},{"sentences":[{"text":"Yep.","start":43.015,"end":43.495,"sentiment":"neutral","sentiment_score":0.09957532584667206},{"text":"Perfect.","start":43.495,"end":43.995,"sentiment":"neutral","sentiment_score":0.2860419750213623},{"text":"So, essentially, Neos have come back, and they have said that they've been reviewing and confirming some information with your doctor.","start":44.455,"end":54.395,"sentiment":"neutral","sentiment_score":0.09279717150188628}],"sentiment":"neutral","sentiment_score":0.1014938218438107,"channel":0,"num_words":23,"start":43.015,"end":54.395},{"sentences":[{"text":"Yep.","start":55.165,"end":55.44,"sentiment":"neutral","sentiment_score":-0.04340505227446556}],"sentiment":"neutral","sentiment_score":-0.04340505227446556,"channel":1,"num_words":1,"start":55.165,"end":55.44},{"sentences":[{"text":"And some of the stuff that was in the reports and from the doctor was a little bit different to what we anticipated.","start":55.55,"end":62.93,"sentiment":"neutral","sentiment_score":-0.24312804509764133},{"text":"So, basically,","start":64.03,"end":65.09,"sentiment":"neutral","sentiment_score":-0.11048086732625961}],"sentiment":"neutral","sentiment_score":-0.2325162708759308,"channel":0,"num_words":25,"start":55.55,"end":65.09},{"sentences":[{"text":"Alright.","start":64.64,"end":65.14,"sentiment":"neutral","sentiment_score":-0.11332976818084715}],"sentiment":"neutral","sentiment_score":-0.11332976818084715,"channel":1,"num_words":1,"start":64.64,"end":65.14},{"sentences":[{"text":"what the the doctor said is that whilst your liver function has improved, it has not returned to normal.","start":65.63,"end":75.725,"sentiment":"neutral","sentiment_score":-0.21316926181316376},{"text":"Now I'm just kind of stating the information that was provided.","start":75.784996,"end":78.845,"sentiment":"neutral","sentiment_score":-0.07012372260743921}],"sentiment":"neutral","sentiment_score":-0.16071923077106476,"channel":0,"num_words":30,"start":65.63,"end":78.845},{"sentences":[{"text":"Yep.","start":80.005005,"end":80.505005,"sentiment":"neutral","sentiment_score":-0.05117928609251976}],"sentiment":"neutral","sentiment_score":-0.05117928609251976,"channel":1,"num_words":1,"start":80.005005,"end":80.505005},{"sentences":[{"text":"And, basically, the Cruzex hasn't returned to normal yet, and that's there there is records to say that the doctor advises you to reduce reduce it further.","start":82.14,"end":95.825005,"sentiment":"neutral","sentiment_score":-0.1710979563218576},{"text":"Now are you still","start":96.765,"end":97.725,"sentiment":"neutral","sentiment_score":-0.06642762012779713}],"sentiment":"neutral","sentiment_score":-0.15759210649036592,"channel":0,"num_words":31,"start":82.14,"end":97.725},{"sentences":[{"text":"No.","start":97.495,"end":97.995,"sentiment":"neutral","sentiment_score":-0.1440855860710144}],"sentiment":"neutral","sentiment_score":-0.1440855860710144,"channel":1,"num_words":1,"start":97.495,"end":97.995},{"sentences":[{"text":"drinking about 10 standard drinks per week?","start":97.725,"end":101.185,"sentiment":"neutral","sentiment_score":-0.12552354804107121},{"text":"No?","start":103.165,"end":103.665,"sentiment":"neutral","sentiment_score":-0.08706341683864594},{"text":"Okay.","start":103.885,"end":104.385,"sentiment":"neutral","sentiment_score":-0.053226128220558167}],"sentiment":"neutral","sentiment_score":-0.11321715348296696,"channel":0,"num_words":9,"start":97.725,"end":104.385},{"sentences":[{"text":"No.","start":104.295,"end":104.795,"sentiment":"neutral","sentiment_score":-0.09689447283744812}],"sentiment":"neutral","sentiment_score":-0.09689447283744812,"channel":1,"num_words":1,"start":104.295,"end":104.795},{"sentences":[{"text":"How what would you say?","start":106.605,"end":108.705,"sentiment":"neutral","sentiment_score":-0.07905561029911042}],"sentiment":"neutral","sentiment_score":-0.07905561029911042,"channel":0,"num_words":5,"start":106.605,"end":108.705},{"sentences":[{"text":"Probably four.","start":109.255,"end":110.315,"sentiment":"neutral","sentiment_score":-0.03977002762258053}],"sentiment":"neutral","sentiment_score":-0.03977002762258053,"channel":1,"num_words":2,"start":109.255,"end":110.315},{"sentences":[{"text":"About four.","start":110.85,"end":111.59,"sentiment":"neutral","sentiment_score":-0.029743426479399204},{"text":"Okay.","start":111.65,"end":112.15,"sentiment":"neutral","sentiment_score":-0.0029319580644369125},{"text":"What I'll do is I'll go and see if that makes any difference.","start":114.21,"end":117.35,"sentiment":"neutral","sentiment_score":0.0030439762541880975}],"sentiment":"neutral","sentiment_score":-0.0014279449824243784,"channel":0,"num_words":16,"start":110.85,"end":117.35},{"sentences":[{"text":"The last","start":117.71999,"end":118.2,"sentiment":"neutral","sentiment_score":-0.03553132526576519}],"sentiment":"neutral","sentiment_score":-0.03553132526576519,"channel":1,"num_words":2,"start":117.71999,"end":118.2},{"sentences":[{"text":"When","start":117.97,"end":118.47,"sentiment":"neutral","sentiment_score":-0.04172606021165848}],"sentiment":"neutral","sentiment_score":-0.04172606021165848,"channel":0,"num_words":1,"start":117.97,"end":118.47},{"sentences":[{"text":"appointment I had with him, he told me it was due to the medication he put me on to my migraine.","start":118.2,"end":123.899994,"sentiment":"neutral","sentiment_score":-0.13926458589377858},{"text":"So he we I stopped taking the medication.","start":124.2,"end":127.205,"sentiment":"neutral","sentiment_score":-0.10184121783822775}],"sentiment":"neutral","sentiment_score":-0.12894089815431628,"channel":1,"num_words":29,"start":118.2,"end":127.205},{"sentences":[{"text":"that's what the liver function he said?","start":129.505,"end":131.665,"sentiment":"neutral","sentiment_score":-0.0814704533134188},{"text":"The doctor?","start":131.665,"end":132.325,"sentiment":"neutral","sentiment_score":-0.05721493624150753}],"sentiment":"neutral","sentiment_score":-0.07608033840854962,"channel":0,"num_words":9,"start":129.505,"end":132.325},{"sentences":[{"text":"Yeah.","start":132.065,"end":132.565,"sentiment":"neutral","sentiment_score":-0.017979595810174942},{"text":"Yep.","start":132.865,"end":133.365,"sentiment":"neutral","sentiment_score":-0.02941857278347015},{"text":"Because I went and got a scan, and the scan came back fine.","start":133.66501,"end":136.80501,"sentiment":"neutral","sentiment_score":0.17873524129390717}],"sentiment":"neutral","sentiment_score":0.15174399788180987,"channel":1,"num_words":15,"start":132.065,"end":136.80501},{"sentences":[{"text":"Okay.","start":136.8,"end":137.04001,"sentiment":"neutral","sentiment_score":0.26214224100112915},{"text":"Yes.","start":137.04001,"end":137.36,"sentiment":"positive","sentiment_score":0.3781508803367615},{"text":"And I remember we kinda went through that, and that was all perfect.","start":137.36,"end":140.08,"sentiment":"positive","sentiment_score":0.6516944766044617},{"text":"And the insurers are not worried about that at all because he has, you know, had a scan.","start":140.08,"end":144.24,"sentiment":"neutral","sentiment_score":0.23726662496725717},{"text":"Everything's cleared.","start":144.24,"end":145.3,"sentiment":"neutral","sentiment_score":0.2691761255264282}],"sentiment":"positive","sentiment_score":0.39775636621883936,"channel":0,"num_words":35,"start":136.8,"end":145.3},{"sentences":[{"text":"The only thing that they are worried about is from what their doctor said, and I don't have access to.","start":145.44,"end":152.315,"sentiment":"negative","sentiment_score":-0.37853829748928547},{"text":"Obviously, for privacy,","start":152.315,"end":153.51501,"sentiment":"neutral","sentiment_score":-0.2004088262716929}],"sentiment":"negative","sentiment_score":-0.35530401863481686,"channel":0,"num_words":23,"start":145.44,"end":153.51501},{"sentences":[{"text":"Yeah.","start":153.06001,"end":153.46,"sentiment":"neutral","sentiment_score":-0.1226811558008194},{"text":"Yeah.","start":153.46,"end":153.86,"sentiment":"neutral","sentiment_score":-0.12728971242904663}],"sentiment":"neutral","sentiment_score":-0.12498543411493301,"channel":1,"num_words":2,"start":153.06001,"end":153.86},{"sentences":[{"text":"none of your","start":153.51501,"end":154.235,"sentiment":"neutral","sentiment_score":-0.12175583342711131}],"sentiment":"neutral","sentiment_score":-0.12175583342711131,"channel":0,"num_words":3,"start":153.51501,"end":154.235},{"sentences":[{"text":"Yeah.","start":153.86,"end":154.36,"sentiment":"neutral","sentiment_score":-0.12180991470813753}],"sentiment":"neutral","sentiment_score":-0.12180991470813753,"channel":1,"num_words":1,"start":153.86,"end":154.36},{"sentences":[{"text":"medicals.","start":154.235,"end":154.55501,"sentiment":"neutral","sentiment_score":-0.19303050637245175},{"text":"So that's just what they've said, and they said that because the liver function hasn't improved like, hasn't returned to normal and that supposedly the doctor has advised that alcohol needs to be reduced further, they can't offer any cover.","start":154.55501,"end":171.9,"sentiment":"negative","sentiment_score":-0.3506605435162783}],"sentiment":"negative","sentiment_score":-0.3468159084639898,"channel":0,"num_words":41,"start":154.235,"end":171.9},{"sentences":[{"text":"Yep.","start":172.67,"end":173.17,"sentiment":"neutral","sentiment_score":-0.043276265263557434}],"sentiment":"neutral","sentiment_score":-0.043276265263557434,"channel":1,"num_words":1,"start":172.67,"end":173.17},{"sentences":[{"text":"I would say maybe check-in with your doctor as well.","start":172.845,"end":177.025,"sentiment":"neutral","sentiment_score":-0.024279311299324036},{"text":"I will get the team to call Neos just to make sure.","start":178.205,"end":181.665,"sentiment":"neutral","sentiment_score":-0.006896838080137968},{"text":"Sometimes it's a bit tricky with doctors and stuff like that as well with reports and stuff like that.","start":182.125,"end":187.29,"sentiment":"neutral","sentiment_score":-0.16429584198876432}],"sentiment":"neutral","sentiment_score":-0.08407746750588824,"channel":0,"num_words":41,"start":172.845,"end":187.29},{"sentences":[{"text":"Yep.","start":188.095,"end":188.595,"sentiment":"neutral","sentiment_score":-0.02281728945672512}],"sentiment":"neutral","sentiment_score":-0.02281728945672512,"channel":1,"num_words":1,"start":188.095,"end":188.595},{"sentences":[{"text":"But that's what Neos have the information that they have obtained from your doctor anyway.","start":188.56999,"end":194.03,"sentiment":"neutral","sentiment_score":-0.03227121978998184},{"text":"Now I will","start":194.40999,"end":195.04999,"sentiment":"neutral","sentiment_score":-0.025627385824918747}],"sentiment":"neutral","sentiment_score":-0.031163914129137993,"channel":0,"num_words":18,"start":188.56999,"end":195.04999},{"sentences":[{"text":"Yep.","start":194.735,"end":195.235,"sentiment":"neutral","sentiment_score":-0.010993602685630322}],"sentiment":"neutral","sentiment_score":-0.010993602685630322,"channel":1,"num_words":1,"start":194.735,"end":195.235},{"sentences":[{"text":"go and check with them anyway and say, well, no.","start":195.04999,"end":197.95,"sentiment":"neutral","sentiment_score":-0.04167273007333279},{"text":"We're not at ten.","start":198.01,"end":199.20999,"sentiment":"neutral","sentiment_score":-0.12269862182438374},{"text":"We're at four if that makes a 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Neos.","start":691.125,"end":694.405,"sentiment":"neutral","sentiment_score":0.1106983064673841}],"sentiment":"neutral","sentiment_score":0.10754629730692376,"channel":0,"num_words":23,"start":687.365,"end":694.405},{"sentences":[{"text":"But, otherwise, I will speak to you on Wednesday, April 22 at 4PM.","start":694.405,"end":699.545,"sentiment":"neutral","sentiment_score":0.11164316735588588}],"sentiment":"neutral","sentiment_score":0.11164316735588588,"channel":0,"num_words":13,"start":694.405,"end":699.545},{"sentences":[{"text":"Yep.","start":699.99,"end":700.31,"sentiment":"positive","sentiment_score":0.4231500029563904},{"text":"Sounds good.","start":700.31,"end":701.03094,"sentiment":"positive","sentiment_score":0.7965770363807678}],"sentiment":"positive","sentiment_score":0.672101358572642,"channel":1,"num_words":3,"start":699.99,"end":701.03094},{"sentences":[{"text":"No problem.","start":701.49,"end":701.97003,"sentiment":"positive","sentiment_score":0.7413487732410431},{"text":"I look forward to speaking with you then, and I hope you enjoy the rest of your afternoon.","start":701.97003,"end":705.19,"sentiment":"positive","sentiment_score":0.7621170659032133}],"sentiment":"positive","sentiment_score":0.7600402366369963,"channel":0,"num_words":20,"start":701.49,"end":705.19},{"sentences":[{"text":"You too.","start":705.99097,"end":706.73096,"sentiment":"positive","sentiment_score":0.4397903382778168}],"sentiment":"positive","sentiment_score":0.4397903382778168,"channel":1,"num_words":2,"start":705.99097,"end":706.73096},{"sentences":[{"text":"Mhmm.","start":707.01,"end":707.33,"sentiment":"neutral","sentiment_score":0.18553109467029572},{"text":"Thanks.","start":707.33,"end":707.83,"sentiment":"positive","sentiment_score":0.6466003656387329},{"text":"Bye.","start":707.89,"end":708.39,"sentiment":"positive","sentiment_score":0.4296070337295532}],"sentiment":"positive","sentiment_score":0.4205794980128606,"channel":0,"num_words":3,"start":707.01,"end":708.39},{"sentences":[{"text":"Thank you.","start":708.55096,"end":709.371,"sentiment":"neutral","sentiment_score":0.29440391808748245}],"sentiment":"neutral","sentiment_score":0.29440391808748245,"channel":1,"num_words":2,"start":708.55096,"end":709.371}]},"summary":{"result":"success","short":"A representative named Ronka follows up with Veronica about her previous call regarding her insurances not returning to normal and advising her to reduce her drink intake. Ronka suggests checking with her doctor and booking Veronica for a week to see her doctor for further advice. The customer is considering applying for a new insurance policy due to a withdrawal and schedules a follow-up appointment to see her doctor for further advice. The agent schedules a meeting for next Wednesday at 4 PM and updates the customer's home value and investment property and mortgage information."},"intents":{"segments":[{"text":"what the the doctor said is that whilst your liver function has improved, it has not returned to normal. Now I'm just kind of stating the information that was provided. Yep.","start_word":191,"end_word":221,"intents":[{"intent":"Prevent liver dysfunction","confidence_score":0.00006854403}]},{"text":"I would say maybe check-in with your doctor as well.","start_word":449,"end_word":458,"intents":[{"intent":"Request check-in with neos","confidence_score":0.00045643447}]},{"text":"And, hopefully, you know, rules and stuff with insurance, and if you do end up you know, when you do end up speaking to your doctor, if anything does change, we can always reassess it. So the good thing Yep.","start_word":677,"end_word":716,"intents":[{"intent":"Reassess and reevaluate","confidence_score":0.0012058413}]},{"text":"So it's not like we Yep. we can't do it. But at least for the time being, what I would suggest, and I'll do a new SOA for you to show you what it would look like, it's just to retain your Australian suit. But for the time being, temporarily, to make Yep. sure you have some cover in place. Yeah.","start_word":828,"end_word":888,"intents":[{"intent":"Retention and maintain austin suit","confidence_score":2.6566045e-7}]},{"text":"It for did freak me out for a minute, though, because I didn't know it was happening. I just saw a big withdrawal, and I was like, what the hell so is going it's like on? and then sometimes because implementation sometimes takes a little bit as well.","start_word":940,"end_word":987,"intents":[{"intent":"Implement system","confidence_score":0.0083917845}]},{"text":"So what I will do is I will book you in for probably a week, and it's really Yep.","start_word":1012,"end_word":1030,"intents":[{"intent":"Book appointment","confidence_score":0.4979097}]},{"text":"Thank you so much for that. I will let the team know. And, basically, just for your reference, it is just so I can get new updated research on our super for you. That's all Yep.","start_word":1398,"end_word":1433,"intents":[{"intent":"Update research","confidence_score":0.030832408}]},{"text":"If I anything better book does that appointment. change I mean if anything changed, like, if there if if you go to him and, you know, it's a bit of a change, you can always just let me know whenever. So whenever you do end Yep. up following, if anything changes, let me know. We can always revisit this as well whenever. Yep.","start_word":1477,"end_word":1539,"intents":[{"intent":"Update appointment information","confidence_score":0.00002166708}]},{"text":"I'll I'll go back to the insurance again just to see, okay. No.","start_word":1595,"end_word":1607,"intents":[{"intent":"Discuss insurance changes","confidence_score":0.0033002251}]},{"text":"I'll I'll go back to the insurance again just to see, okay. No. It's a four. And also Yep. that you have not been advised by the doctor to reduce it, see if that makes a difference. But often, it's in writing. That's what they get.","start_word":1595,"end_word":1640,"intents":[{"intent":"Clarify insurance guidance","confidence_score":0.00000165936}]},{"text":"So I have here your house was valued at $5.60, and mortgage at $4.20.","start_word":1827,"end_word":1840,"intents":[{"intent":"Update property values","confidence_score":0.00047302514}]}]},"sentiments":{"segments":[{"text":"Hello. This is Ronka speaking.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.05155710503458977},{"text":"Good day, Veronica.","start_word":5,"end_word":7,"sentiment":"positive","sentiment_score":0.45398420095443726},{"text":"How are you going? Yeah.","start_word":8,"end_word":12,"sentiment":"neutral","sentiment_score":0.2936209738254547},{"text":"Good. Thanks, Kyle.","start_word":13,"end_word":15,"sentiment":"positive","sentiment_score":0.4558214545249939},{"text":"How are you? Yeah.","start_word":16,"end_word":19,"sentiment":"neutral","sentiment_score":0.29001784324645996},{"text":"Pretty good. Thank you. That's good.","start_word":20,"end_word":25,"sentiment":"positive","sentiment_score":0.5319019556045532},{"text":"Thanks for returning my call.","start_word":26,"end_word":30,"sentiment":"neutral","sentiment_score":0.2179465293884277},{"text":"It kept cutting out, but I wasn't sure if that was my end or your end.","start_word":31,"end_word":46,"sentiment":"negative","sentiment_score":-0.3932945728302002},{"text":"Yeah. Well, I tried to answer, but I've said Yeah. hello, and there was nothing there both times. So I don't know what happened there.","start_word":47,"end_word":71,"sentiment":"neutral","sentiment_score":-0.19896036386489868},{"text":"On my end, it was, like, out ringed. And then as soon as it went to answer, it just cut out. And I was like, oh, that's strange.","start_word":72,"end_word":99,"sentiment":"negative","sentiment_score":-0.3557094633579254},{"text":"Yep. But thanks for thanks for calling me back anyway. I just had you booked in just to kind of go through the outcome we've heard back from Neos in regards to your insurances. Is now still a good time? Yep. Yep. Perfect. So, essentially, Neos have come back, and they have said that they've been reviewing and confirming some information with your doctor. Yep. And some of the stuff that was in the reports and from the doctor was a little bit different to what we anticipated. So, basically, Alright. what the the doctor said is that whilst your liver function has improved, it has not returned to normal. Now I'm just kind of stating the information that was provided. Yep. And, basically, the Cruzex hasn't returned to normal yet, and that's there there is records to say that the doctor advises you to reduce reduce it further. Now are you still No. drinking about 10 standard drinks per week? No? Okay. No. How what would you say? Probably four. About four. Okay. What I'll do is I'll go and see if that makes any difference. The last When appointment I had with him, he told me it was due to the medication he put me on to my migraine. So he we I stopped taking the medication. that's what the liver function he said? The doctor? Yeah. Yep. Because I went and got a scan, and the scan came back fine. Okay.","start_word":100,"end_word":343,"sentiment":"neutral","sentiment_score":-0.04213434827254444},{"text":"Yes. And I remember we kinda went through that, and that was all perfect.","start_word":344,"end_word":357,"sentiment":"positive","sentiment_score":0.6220287084579468},{"text":"And the insurers are not worried about that at all because he has, you know, had a scan. Everything's cleared.","start_word":358,"end_word":377,"sentiment":"neutral","sentiment_score":0.24637754261493683},{"text":"The only thing that they are worried about is from what their doctor said, and I don't have access to.","start_word":378,"end_word":397,"sentiment":"negative","sentiment_score":-0.38356637954711914},{"text":"Obviously, for privacy, Yeah. Yeah. none of your Yeah. medicals.","start_word":398,"end_word":407,"sentiment":"neutral","sentiment_score":-0.15520188212394714},{"text":"So that's just what they've said, and they said that because the liver function hasn't improved like, hasn't returned to normal and that supposedly the doctor has advised that alcohol needs to be reduced further, they can't offer any cover.","start_word":408,"end_word":447,"sentiment":"negative","sentiment_score":-0.34785959124565125},{"text":"Yep. I would say maybe check-in with your doctor as well. I will get the team to call Neos just to make sure. Sometimes it's a bit tricky with doctors and stuff like that as well with reports and stuff like that. Yep. But that's what Neos have the information that they have obtained from your doctor anyway. Now I will Yep. go and check with them anyway and say, well, no. We're not at ten. We're at four if that makes a difference. Yep. The the information they said to us was that they would like alcohol to be at zero for two years before like, to make sure that the liver has improved. Yeah. That's But, not again gonna happen. yeah. And which is the case for most people. That's a lot. Yep. So, basically, from here, what we can kind of do because I did check with what the information that we have been provided again from the doctors. Other insurance would have a similar outcome. Yep. So from that, what we basically can do is that because you do have some insurance at the moment, we obviously don't wanna cancel any of that because I don't want to leave you uninsured. Now you have Yep. some insurance with Osooper. Now I know it's not as much as we were obviously looking at applying for. And, hopefully, you know, rules and stuff with insurance, and if you do end up you know, when you do end up speaking to your doctor, if anything does change, we can always reassess it.","start_word":448,"end_word":710,"sentiment":"neutral","sentiment_score":-0.06111162677123973},{"text":"So the good thing Yep.","start_word":711,"end_word":715,"sentiment":"positive","sentiment_score":0.3715270161628723},{"text":"it's I not think a I'm I am due Mhmm. for I think he last time I went, he said come back in twelve months, so Okay. I That's am probably good. due. Yeah.","start_word":716,"end_word":749,"sentiment":"neutral","sentiment_score":0.06962646543979645},{"text":"That's good. Because the good thing is as well with it's like it's not like a set and forgetting.","start_word":750,"end_word":768,"sentiment":"positive","sentiment_score":0.48358410596847534},{"text":"If if it means we can't apply today, it doesn't mean that, you know, if you do go and see your doctor soon and, you know, he's really happy and he puts it in writing that, you know, he's happy with where things are at and things have returned to normal range, then we can always look at applying. So it's not like we Yep. we can't do it. But at least for the time being, what I would suggest, and I'll do a new SOA for you to show you what it would look like, it's just to retain your Australian suit. But for the time being, temporarily, to make Yep. sure you have some cover in place. Yeah. Well, I saw that you took a big withdrawal out of the Australian super anyway, so it's down pretty low Correct. anyway. So most of it's in Hub 24. Exactly. And that's how we want it to be because that's what's going to give you the most growth. But just Yep. It for did freak me out for a minute, though, because I didn't know it was happening. I just saw a big withdrawal, and I was like, what the hell so is going it's like on? and then sometimes because implementation sometimes takes a little bit as well. And if it's been a little while of a system we spoke, it's like, oh, okay. What happened here? But, no, that's all there. So what I will do is I will book you in for probably a week, and it's really Yep. quick because there's not much change. The only thing that will change is just I wanna give you a new essay to show you where what things would look like for the time being with retaining about 10,000 in all super just for those insurances temporarily just to give you a bit of an update on that.","start_word":769,"end_word":1087,"sentiment":"neutral","sentiment_score":0.10035291248728116},{"text":"So it is pretty straightforward.","start_word":1088,"end_word":1092,"sentiment":"positive","sentiment_score":0.4398169219493866},{"text":"Do you have time sometime at the end of next week or the week after? What works for you, Kyle? I'm heading to Launceston Friday next week. Okay. So would you want to do before or after? Yeah. I could do the Thursday, probably Yep. around the same time if that works. Okay. Let me have a look. So that is the, say, the twenty third. I do have an appointment booked at that time that I could do 03:00. Would that work at all? No. It's a bit too early No. for me with work. I I generally knock off around four, 04:30. About four, 04:30. I could do 04:00 on Wednesday, the twenty second. So that's next Wednesday, Next Wednesday. Correct. 04:00. Do you think that would work? Just let me get me work fine. I'll check my Yep. calendar. Got a feeling I might have a meeting, or maybe that's this week. I Okay. don't know. There's always so many meetings. Yep. When was we looking? Next Wednesday Twenty for second. and what Four time? o'clock. Four? At 04:00. Yep. Yeah. That should that should be fine. That should be fine?","start_word":1093,"end_word":1286,"sentiment":"neutral","sentiment_score":0.04871784895658493},{"text":"Okay. Amazing. I will book that in on Wednesday, the twenty second for you, Kyle.","start_word":1287,"end_word":1301,"sentiment":"positive","sentiment_score":0.5088345408439636},{"text":"If anything changes, you can't make it, let me know. Yep. Otherwise so we can get so I can just get some updated balance for you in Australian Super. What I have done is I have to send you an email with just a TPA to sign. Would you be able to sign that now over in the phone by any chance just so I can Is get that that the sorted? email I got an hour or so ago? Correct. Yes. And the only Yeah. thing I've that signed it.","start_word":1302,"end_word":1392,"sentiment":"neutral","sentiment_score":0.13155162449066454},{"text":"is is oh, sweet. Amazing. Thank you so much for that. I will let the team know.","start_word":1393,"end_word":1409,"sentiment":"positive","sentiment_score":0.5936170816421509},{"text":"And, basically, just for your reference, it is just so I can get new updated research on our super for you. That's all Yep. that is. So Yep. I will get that working and sorted for you. So when's the April 22 at 4PM. I'll make a little note here as well to say that you are kind of due to go back through the doctor. Yeah. If I anything better book does that appointment. change I mean if anything changed, like, if there if if you go to him and, you know, it's a bit of a change, you can always just let me know whenever. So whenever you do end Yep. up following, if anything changes, let me know. We can always revisit this as well whenever. Yep. Yeah. I But will. then at least Well, hopefully, we kinda it is Yeah. because I have I have cut back a lot on the alcohol, but he never told me Yeah. to cut back. So what Right. he told me and what he's told them isn't really lining up. Yeah. So I would yeah. I'll I'll go back to the insurance again just to see, okay. No. It's a four. And also Yep. that you have not been advised by the doctor to reduce it, see if that makes a difference. But often, it's in writing. That's what they get. They request reports Yeah. from the Yep. doctor Yeah. I in get writing, it. so it's a bit The of only that. But I'll time the only time I ever said anything about cutting back on alcohol is if the scan came back bad and the scan came back fine. So yeah. Okay. I'll I'll I'll triple check for you anyway and have it answered by next Yep. Wednesday, and we can we can go from there. Yep. No Perfect. worries. Now just before I let you go as well, like, how has anything changed in your life since we kind of went through a fact find at the beginning of the year? Like, has any of your income or assets or anything you made to change that I don't need to know about when I update the advice for you, or is it all kind of the same? I think we've we did an equity release on our homes, and we've paid off both our vehicles. Oh, sweet. Well, I I don't will know update if that that. makes a difference. Yeah. Yep. I'll update. So I have here your house was valued at $5.60, and mortgage at $4.20. I think one of the houses is valued at $5.85 now, $5.80 and the other 5. one, last time I checked, was $3.60. Yep. Perfect. Probably the investment probably is up to $6.30. Sorry. $6.60, did you say? Sorry. $3.60. What was that? Did you say 3 three sixty? 360 is our investment property, and our Yes. main home is valued at $5.85.","start_word":1410,"end_word":1903,"sentiment":"neutral","sentiment_score":0.0265757835315548},{"text":"Amazing.","start_word":1904,"end_word":1904,"sentiment":"positive","sentiment_score":0.38829436898231506},{"text":"And you said you paid off both motor vehicles, so there's nothing owing Yep. on either of them. Amazing. Nope. I'll update that. And mortgage on your property, about $4.20, or did that increase Yeah. I think it's about 4 well, it's was an equity release, so it Okay. hasn't gone on to the home line. It's The been loan. a separate Sweet. Perfect. Okay. I'm sorry about that. Probably roughly about the same than $4.20. Yep. Okay. Anything else? Yep. No. That's about it, I think. No? Okay. Perfect. Well, leave that with me, Kyle. I will go and update all of this and also triple check with Neos. But, otherwise, I will speak to you on Wednesday, April 22 at 4PM.","start_word":1905,"end_word":2027,"sentiment":"neutral","sentiment_score":0.040259664075645976},{"text":"Yep. Sounds good. No problem. I look forward to speaking with you then, and I hope you enjoy the rest of your afternoon. You too.","start_word":2028,"end_word":2052,"sentiment":"positive","sentiment_score":0.6963076591491699},{"text":"Mhmm.","start_word":2053,"end_word":2053,"sentiment":"neutral","sentiment_score":0.18553109467029572},{"text":"Thanks. Bye. Thank you.","start_word":2054,"end_word":2057,"sentiment":"positive","sentiment_score":0.5949614644050598}],"average":{"sentiment":"neutral","sentiment_score":0.03790888466657802}}}}