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I thought I'd try to give you a call tonight to have a chat about the quotes there. Before we jump into the call, I do just have to do security and confirm that we record our calls for quality and training purposes. You're happy for me to proceed with that? Lovely. And just the security as normal, just your full name, date of birth, and address I should have on file? Yep. Yep. Perfect. Perfect. So I've got the quotes here in front of me. When you kinda wrote back, you said that you were talking to Carrie about it, and you were thinking about dropping the life and TPD altogether, get rid of the cost, and save the money. Is that sort of where your head's at at the moment? What are you thinking? Yep. Yep. I'm just having a quick look at the PDF for you because that is kind of where I go for all this stuff. So with TBD, with Neos, the TBD expiry so once you hit age six sixty five no. You're right. Sorry. I'm just having a quick look at the PDF. It's telling me no. You're fine. It's the premium type. So the policy should be right, I believe, until age 70. But at a certain point, it reverts to perfect. Expiry age. Easy. So the plan anniversary after the insured turns 80 when it's held inside so far. So you actually can hold you actually can hold the TBD up until the age of 80 when held inside sofa. However, with TBD, at a certain point, it that's to a different type of cover. So at the moment, you have an any occupation definition. With TBD, at a certain point, it turns into a point where you have it sort of becomes like an ADL definition. So activities of daily living where you have to be able to not be able to feed yourself, feed yourself, things like that. And you normally yeah. And there's a certain point when that comes up. I'm just running through the PDF for you to have a look. It's normally around about age sort of 74 to 75 that that sorta comes, but I'm happy to confirm that for you. But these do get more expensive as you get older, and now they are sorta costing $14,000. It is quite a lot. So Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yeah. That is. Yeah. Yeah. Definitely. Yep. Yes. Yep. Yeah. Would you like me to maybe look at another option for you? Do you want me just to see what it would cost if we looked at just canceling the TPD and kept the life cover in place? Well, I mean, how how about the quote? So for the new premium yeah. So it did sort of if we're looking at reducing the life, the premium for the TPD is the biggest cost. So with your current policy, the life and TPD, the TBD policy is the 9,390 and 58¢. So your life policy, if you just kept that, reduces it down to about 5,000 under the current part of the quote here, and that's without reducing the policy. It's on either quote, but it's the first page, and you're looking at the current policy, which is the it's a highlighted section. Yeah. So the first page of the quote's got all your details. The second page has got your current quote and the new premium for the reduction. Yep. Yep. And you'll see. So you've got your super, your attached TBD, and your life policy underneath that. The next column has your sum insured, and the following one has your premiums. The total is at 14,000. But if you look at the top part of the premium, that's the premium for the tax TBD. Yeah. Yeah. Yeah. And, I mean, having a look at your age, you're over 60 now. So if you were TBD, if you were not able to work, you could access your super. So yeah. And then you could keep that life policy and just keep that in the event that something happens to Carrie, and that still gives her, you know, the $343.06 $6.07. You're still paying $5 for the life policy, but it is it is a lot better. Yeah. Yeah. Yeah. Yeah. You're right. Absolutely. That's okay. You're fine. Yeah. It it is technically your decision. I love the way your wife thinks that, but it is technically your decision. But yeah. I mean, look, you could look at that. Do you want me to get a quote? Yeah. Absolutely. And, I mean, these policies yeah. Correct. Yeah. Yeah. Absolutely. And, I mean, if you looked at you could even look at reducing the life cover down a little bit just to kind of maybe bring it down to the $2.50 or 2 because how much do you guys owe on the mortgage? You don't owe very much, do you? Yeah. Yep. Yep. So, realistically, I mean, you could could reduce the life cover down. Yeah. Yep. And then yeah. Absolutely. I can get a quote for both of those and send it through to you so you can see the difference if we cancel the TBD and just retain the life. Maybe have it at, you know, 250 and 300,000 for the life cover, what the premium looks like currently. And then your sleep is paid out on top of that to carry as well. So, you know, with two 50, that covers the mortgage. You can set the 200,000 of life plus your 300 and 300 of thousand inside so far. Yeah. Yep. I can get a quote for that for you tomorrow. It'll be nice if you get a quote. As soon as I get it through, I'll email it to you so you can mail it over. Yep. Perfect. Yeah. Yep. Yeah. Absolutely. Yeah. Definitely. Yeah. Wow. Yeah. Yep. Yeah. Yeah. I mean, that's okay. If you do happen to bank it out, we'll use it to our advantage. You can take some leave before you retire, and we can we can we can take advantage of that for you. Yeah. Yep. Yep. Yep. That's okay. Well, I'll perfect. I'll get those two quotes through to you probably tomorrow to make it nice and easier. I don't work on Friday, but if you have anything or have any additional questions, email me back, and I will check my emails probably Friday or Monday, and I can call you and let you have a chat. Yep. No. That's okay. It's all good. I will make it happen for you. I promise. The the only other question I had, the pay slip you sent me was from July, and that was when you were sort of on full wages. Are you sort of back your wages gone up again now, or are you still on sort of part time duty? The 90 five still? Yep. Yep. Okay. Okay. Did you want me to yeah. Did you want me to with the the TTR strategy, look with updating the advice for you, did you want me to work on your income that you were earning back in July, or did you want me to maybe work on the income that you're earning now? Okay. No. That's alright. Yep. Yep. Yeah. Yeah. We can. Yeah. Yeah. Yeah. Absolutely. We can change that and alter it as as need to be. It's absolutely not a problem. Once yeah. Moving into TTR, we can roll it back and start again and do all sorts of fun things with it, so there's no stress about that. So you're still kind of yeah? Yeah. That'd be great. Okay. Perfect. Thank you so much for that, Cole. Just so I've got that to work on, because I was having a bit of a look at the payslip, and I was like, I just wanna make sure this is what you want me to work on because it is a bit higher than what you'd be making now. Yeah. Yep. Yeah. Well, if I work on the new payslip based on the 95% capacity now, as you said, you'll get you'll get the extra will be a bit of a bonus, and we can always change it down the track. So yeah. Yep. Perfect. Perfect. Yeah. If you can shoot me that payslip, that'd be fabulous, and I will get these quotes out to you tomorrow. Okay? All good. That's okay. Oh, not a problem. Anything for you guys. Not an issue at all. Is everything else okay? Do you guys have any other questions for me at the moment? Or yeah. Absolutely. I I absolutely can. I do have it booked in next week. If she wants to to talk to me, then it's not a problem at all. Otherwise, if she's got time now and wants to talk to me now, I can make it now. Yeah. You're right. Okay. Yep. That's not a problem at all. All good. Yeah. That's okay. That's not a problem at all. Easy done. No problem at all. Carrie's having some trouble with the payslips now as well. This seems to be an employer thing, doesn't it? Yeah. Yeah. Yeah. Yeah. Theranos. Yeah. Yeah. Right. Yeah. Yeah. Yep. Yep. Yeah. Yeah. All good. No worries at all. I'll get that out to you tomorrow. If there's anything else you need, let me know, and I'll talk to Carrie next week. Easy. Easy. I will. Thank you so much, Carl. Talk to you soon. Thanks. See you later. 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Carl. Can you hear me okay? Hello? Yeah. You've got me?\n\nPerfect. Perfect. So sorry about that. I'm not sure what happened. Love that technology when it wants to work.\n\nAll good. I thought I'd try to give you a call tonight to have a chat about the quotes there. Before we jump into the call, I do just have to do security and confirm that we record our calls for quality and training purposes. You're happy for me to proceed with that? Lovely.\n\nAnd just the security as normal, just your full name, date of birth, and address I should have on file? Yep. Yep. Perfect. Perfect.\n\nSo I've got the quotes here in front of me. When you kinda wrote back, you said that you were talking to Carrie about it, and you were thinking about dropping the life and TPD altogether, get rid of the cost, and save the money. Is that sort of where your head's at at the moment? What are you thinking? Yep.\n\nYep. I'm just having a quick look at the PDF for you because that is kind of where I go for all this stuff. So with TBD, with Neos, the TBD expiry so once you hit age six sixty five no. You're right. Sorry.\n\nI'm just having a quick look at the PDF. It's telling me no. You're fine. It's the premium type. So the policy should be right, I believe, until age 70.\n\nBut at a certain point, it reverts to perfect. Expiry age. Easy. So the plan anniversary after the insured turns 80 when it's held inside so far. So you actually can hold you actually can hold the TBD up until the age of 80 when held inside sofa.\n\nHowever, with TBD, at a certain point, it that's to a different type of cover. So at the moment, you have an any occupation definition. With TBD, at a certain point, it turns into a point where you have it sort of becomes like an ADL definition. So activities of daily living where you have to be able to not be able to feed yourself, feed yourself, things like that. And you normally yeah.\n\nAnd there's a certain point when that comes up. I'm just running through the PDF for you to have a look. It's normally around about age sort of 74 to 75 that that sorta comes, but I'm happy to confirm that for you. But these do get more expensive as you get older, and now they are sorta costing $14,000. It is quite a lot.\n\nSo Yeah. Yeah. Yeah. Yep. Yeah.\n\nYep. Yeah. That is. Yeah. Yeah.\n\nDefinitely. Yep. Yes. Yep. Yeah.\n\nWould you like me to maybe look at another option for you? Do you want me just to see what it would cost if we looked at just canceling the TPD and kept the life cover in place? Well, I mean, how how about the quote? So for the new premium yeah. So it did sort of if we're looking at reducing the life, the premium for the TPD is the biggest cost.\n\nSo with your current policy, the life and TPD, the TBD policy is the 9,390 and 58¢. So your life policy, if you just kept that, reduces it down to about 5,000 under the current part of the quote here, and that's without reducing the policy. It's on either quote, but it's the first page, and you're looking at the current policy, which is the it's a highlighted section. Yeah. So the first page of the quote's got all your details.\n\nThe second page has got your current quote and the new premium for the reduction. Yep. Yep. And you'll see. So you've got your super, your attached TBD, and your life policy underneath that.\n\nThe next column has your sum insured, and the following one has your premiums. The total is at 14,000. But if you look at the top part of the premium, that's the premium for the tax TBD. Yeah. Yeah.\n\nYeah. And, I mean, having a look at your age, you're over 60 now. So if you were TBD, if you were not able to work, you could access your super. So yeah. And then you could keep that life policy and just keep that in the event that something happens to Carrie, and that still gives her, you know, the $343.06 $6.07.\n\nYou're still paying $5 for the life policy, but it is it is a lot better. Yeah. Yeah. Yeah. Yeah.\n\nYou're right. Absolutely. That's okay. You're fine. Yeah.\n\nIt it is technically your decision. I love the way your wife thinks that, but it is technically your decision. But yeah. I mean, look, you could look at that. Do you want me to get a quote?\n\nYeah. Absolutely. And, I mean, these policies yeah. Correct. Yeah.\n\nYeah. Absolutely. And, I mean, if you looked at you could even look at reducing the life cover down a little bit just to kind of maybe bring it down to the $2.50 or 2 because how much do you guys owe on the mortgage? You don't owe very much, do you? Yeah.\n\nYep. Yep. So, realistically, I mean, you could could reduce the life cover down. Yeah. Yep.\n\nAnd then yeah. Absolutely. I can get a quote for both of those and send it through to you so you can see the difference if we cancel the TBD and just retain the life. Maybe have it at, you know, 250 and 300,000 for the life cover, what the premium looks like currently. And then your sleep is paid out on top of that to carry as well.\n\nSo, you know, with two 50, that covers the mortgage. You can set the 200,000 of life plus your 300 and 300 of thousand inside so far. Yeah. Yep. I can get a quote for that for you tomorrow.\n\nIt'll be nice if you get a quote. As soon as I get it through, I'll email it to you so you can mail it over. Yep. Perfect. Yeah.\n\nYep. Yeah. Absolutely. Yeah. Definitely.\n\nYeah. Wow. Yeah. Yep. Yeah.\n\nYeah. I mean, that's okay. If you do happen to bank it out, we'll use it to our advantage. You can take some leave before you retire, and we can we can we can take advantage of that for you. Yeah.\n\nYep. Yep. Yep. That's okay. Well, I'll perfect.\n\nI'll get those two quotes through to you probably tomorrow to make it nice and easier. I don't work on Friday, but if you have anything or have any additional questions, email me back, and I will check my emails probably Friday or Monday, and I can call you and let you have a chat. Yep. No. That's okay.\n\nIt's all good. I will make it happen for you. I promise. The the only other question I had, the pay slip you sent me was from July, and that was when you were sort of on full wages. Are you sort of back your wages gone up again now, or are you still on sort of part time duty?\n\nThe 90 five still? Yep. Yep. Okay. Okay.\n\nDid you want me to yeah. Did you want me to with the the TTR strategy, look with updating the advice for you, did you want me to work on your income that you were earning back in July, or did you want me to maybe work on the income that you're earning now? Okay. No. That's alright.\n\nYep. Yep. Yeah. Yeah. We can.\n\nYeah. Yeah. Yeah. Absolutely. We can change that and alter it as as need to be.\n\nIt's absolutely not a problem. Once yeah. Moving into TTR, we can roll it back and start again and do all sorts of fun things with it, so there's no stress about that. So you're still kind of yeah? Yeah.\n\nThat'd be great. Okay. Perfect. Thank you so much for that, Cole. Just so I've got that to work on, because I was having a bit of a look at the payslip, and I was like, I just wanna make sure this is what you want me to work on because it is a bit higher than what you'd be making now.\n\nYeah. Yep. Yeah. Well, if I work on the new payslip based on the 95% capacity now, as you said, you'll get you'll get the extra will be a bit of a bonus, and we can always change it down the track. So yeah.\n\nYep. Perfect. Perfect. Yeah. If you can shoot me that payslip, that'd be fabulous, and I will get these quotes out to you tomorrow.\n\nOkay? All good. That's okay. Oh, not a problem. Anything for you guys.\n\nNot an issue at all. Is everything else okay? Do you guys have any other questions for me at the moment? Or yeah. Absolutely.\n\nI I absolutely can. I do have it booked in next week. If she wants to to talk to me, then it's not a problem at all. Otherwise, if she's got time now and wants to talk to me now, I can make it now. Yeah.\n\nYou're right. Okay. Yep. That's not a problem at all. All good.\n\nYeah. That's okay. That's not a problem at all. Easy done. No problem at all.\n\nCarrie's having some trouble with the payslips now as well. This seems to be an employer thing, doesn't it? Yeah. Yeah. Yeah.\n\nYeah. Theranos. Yeah. Yeah. Right.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYeah. All good. No worries at all. I'll get that out to you tomorrow. If there's anything else you need, let me know, and I'll talk to Carrie next week.\n\nEasy. Easy. I will. Thank you so much, Carl. Talk to you soon.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Carl.","start":3.12,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.00999400857836008},{"text":"Can you hear me okay?","start":3.6799998,"end":4.74,"sentiment":"neutral","sentiment_score":0.0026528935879468916},{"text":"Hello?","start":5.92,"end":6.42,"sentiment":"neutral","sentiment_score":-0.0004602791741490364},{"text":"Yeah.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":-0.034953661262989044},{"text":"You've got me?","start":7.2799997,"end":8.26,"sentiment":"neutral","sentiment_score":-0.08659259974956512}],"sentiment":"neutral","sentiment_score":-0.02182827121578157,"num_words":12,"start":3.12,"end":8.26},{"sentences":[{"text":"Perfect.","start":10.48,"end":10.98,"sentiment":"neutral","sentiment_score":0.28550946712493896},{"text":"Perfect.","start":11.12,"end":11.62,"sentiment":"neutral","sentiment_score":0.17600849270820618},{"text":"So sorry about that.","start":11.679999,"end":12.88,"sentiment":"neutral","sentiment_score":-0.22504816949367523},{"text":"I'm not sure what happened.","start":12.88,"end":14.259999,"sentiment":"neutral","sentiment_score":-0.24221785962581635},{"text":"Love that technology when it wants to work.","start":16.235,"end":18.495,"sentiment":"neutral","sentiment_score":-0.0011143209412693977}],"sentiment":"neutral","sentiment_score":-0.08729887283162067,"num_words":19,"start":10.48,"end":18.495},{"sentences":[{"text":"All good.","start":20.795,"end":21.275,"sentiment":"neutral","sentiment_score":0.10798953846096992},{"text":"I thought I'd try to give you a call tonight to have a chat about the quotes there.","start":21.275,"end":24.875,"sentiment":"neutral","sentiment_score":0.06705223023891449},{"text":"Before we jump into the call, I do just have to do security and confirm that we record our calls for quality and training purposes.","start":24.875,"end":30.75,"sentiment":"neutral","sentiment_score":0.09296356439590454},{"text":"You're happy for me to proceed with that?","start":30.75,"end":32.61,"sentiment":"neutral","sentiment_score":0.29368511214852333},{"text":"Lovely.","start":33.95,"end":34.35,"sentiment":"positive","sentiment_score":0.4386465549468994}],"sentiment":"neutral","sentiment_score":0.1210210330232426,"num_words":54,"start":20.795,"end":34.35},{"sentences":[{"text":"And just the security as normal, just your full name, date of birth, and address I should have on file?","start":34.35,"end":39.010002,"sentiment":"neutral","sentiment_score":0.16342764981091024},{"text":"Yep.","start":41.325,"end":41.825,"sentiment":"neutral","sentiment_score":0.0236663781106472},{"text":"Yep.","start":44.125,"end":44.625,"sentiment":"neutral","sentiment_score":0.03787330165505409},{"text":"Perfect.","start":45.885002,"end":46.385002,"sentiment":"positive","sentiment_score":0.3831149935722351},{"text":"Perfect.","start":46.925003,"end":47.425003,"sentiment":"positive","sentiment_score":0.43102678656578064}],"sentiment":"neutral","sentiment_score":0.17267643567174673,"num_words":24,"start":34.35,"end":47.425003},{"sentences":[{"text":"So I've got the quotes here in front of me.","start":49.005,"end":51.905003,"sentiment":"neutral","sentiment_score":0.25142148286104204},{"text":"When you kinda wrote back, you said that you were talking to Carrie about it, and you were thinking about dropping the life and TPD altogether, get rid of the cost, and save the money.","start":52.205,"end":61.29,"sentiment":"neutral","sentiment_score":0.05718643793037959},{"text":"Is that sort of where your head's at at the moment?","start":61.29,"end":63.129997,"sentiment":"neutral","sentiment_score":-0.016178403949280353},{"text":"What are you thinking?","start":63.129997,"end":64.03,"sentiment":"neutral","sentiment_score":-0.04741649515926838},{"text":"Yep.","start":71.865005,"end":72.365005,"sentiment":"neutral","sentiment_score":0.005133545957505703}],"sentiment":"neutral","sentiment_score":0.06808598816478778,"num_words":61,"start":49.005,"end":72.365005},{"sentences":[{"text":"Yep.","start":96.695,"end":97.175,"sentiment":"neutral","sentiment_score":0.09126022458076476},{"text":"I'm just having a quick look at the PDF for you because that is kind of where I go for all this stuff.","start":97.175,"end":102.875,"sentiment":"neutral","sentiment_score":0.09751252846225449},{"text":"So with TBD, with Neos, the TBD expiry so once you hit age six sixty five no.","start":104.37,"end":122.705,"sentiment":"neutral","sentiment_score":0.014705605804920197},{"text":"You're right.","start":122.705,"end":123.105,"sentiment":"neutral","sentiment_score":-0.031026101671159267},{"text":"Sorry.","start":123.105,"end":123.425,"sentiment":"neutral","sentiment_score":-0.047834619879722595}],"sentiment":"neutral","sentiment_score":0.05623083760623227,"num_words":44,"start":96.695,"end":123.425},{"sentences":[{"text":"I'm just having a quick look at the PDF.","start":123.425,"end":125.26501,"sentiment":"neutral","sentiment_score":0.030165182530052133},{"text":"It's telling me no.","start":125.26501,"end":126.785,"sentiment":"neutral","sentiment_score":-0.1052724071778357},{"text":"You're fine.","start":126.785,"end":127.525,"sentiment":"neutral","sentiment_score":0.13299599662423134},{"text":"It's the premium type.","start":127.825005,"end":129.205,"sentiment":"neutral","sentiment_score":0.2433803491294384},{"text":"So the policy should be right, I believe, until age 70.","start":129.265,"end":136.90001,"sentiment":"neutral","sentiment_score":0.21461222794922916}],"sentiment":"neutral","sentiment_score":0.11502149704222878,"num_words":30,"start":123.425,"end":136.90001},{"sentences":[{"text":"But at a certain point, it reverts to perfect.","start":137.6,"end":143.945,"sentiment":"neutral","sentiment_score":0.18981021477116478},{"text":"Expiry age.","start":144.005,"end":145.065,"sentiment":"neutral","sentiment_score":0.08712087199091911},{"text":"Easy.","start":145.125,"end":145.625,"sentiment":"neutral","sentiment_score":0.20993627607822415},{"text":"So the plan anniversary after the insured turns 80 when it's held inside so far.","start":146.085,"end":154.16501,"sentiment":"neutral","sentiment_score":0.09236074239015579},{"text":"So you actually can hold you actually can hold the TBD up until the age of 80 when held inside sofa.","start":154.16501,"end":161.31001,"sentiment":"neutral","sentiment_score":0.06998539804702714}],"sentiment":"neutral","sentiment_score":0.10307446766334276,"num_words":48,"start":137.6,"end":161.31001},{"sentences":[{"text":"However, with TBD, at a certain point, it that's to a different type of cover.","start":161.53,"end":169.13,"sentiment":"neutral","sentiment_score":-0.02699745390564203},{"text":"So at the moment, you have an any occupation definition.","start":169.13,"end":172.085,"sentiment":"neutral","sentiment_score":0.01129893772304058},{"text":"With TBD, at a certain point, it turns into a point where you have it sort of becomes like an ADL definition.","start":173.425,"end":181.52501,"sentiment":"neutral","sentiment_score":0.003992245955900712},{"text":"So activities of daily living where you have to be able to not be able to feed yourself, feed yourself, things like that.","start":181.585,"end":187.84999,"sentiment":"neutral","sentiment_score":-0.03500210947316626},{"text":"And you normally yeah.","start":188.47,"end":192.31,"sentiment":"neutral","sentiment_score":-0.010244279634207487}],"sentiment":"neutral","sentiment_score":-0.014191468334379228,"num_words":74,"start":161.53,"end":192.31},{"sentences":[{"text":"And there's a certain point when that comes up.","start":192.31,"end":195.12999,"sentiment":"neutral","sentiment_score":-0.04423076721529166},{"text":"I'm just running through the PDF for you to have a look.","start":196.405,"end":199.28499,"sentiment":"neutral","sentiment_score":-0.00033444569756587345},{"text":"It's normally around about age sort of 74 to 75 that that sorta comes, but I'm happy to confirm that for you.","start":199.28499,"end":205.70499,"sentiment":"neutral","sentiment_score":0.08411720335822213},{"text":"But these do get more expensive as you get older, and now they are sorta costing $14,000.","start":206.00499,"end":211.62,"sentiment":"neutral","sentiment_score":-0.13465898494948358},{"text":"It is quite a lot.","start":211.92,"end":213.14,"sentiment":"neutral","sentiment_score":-0.2179035186767578}],"sentiment":"neutral","sentiment_score":-0.029695878722346747,"num_words":65,"start":192.31,"end":213.14},{"sentences":[{"text":"So Yeah.","start":213.2,"end":217.78,"sentiment":"neutral","sentiment_score":-0.02738070860505104},{"text":"Yeah.","start":223.295,"end":223.795,"sentiment":"neutral","sentiment_score":-0.04035114496946335},{"text":"Yeah.","start":239.55,"end":240.05,"sentiment":"neutral","sentiment_score":0.06837230920791626},{"text":"Yep.","start":240.11,"end":240.61,"sentiment":"neutral","sentiment_score":0.296681672334671},{"text":"Yeah.","start":241.47,"end":241.97,"sentiment":"neutral","sentiment_score":0.22052651643753052}],"sentiment":"neutral","sentiment_score":0.08174465596675873,"num_words":6,"start":213.2,"end":241.97},{"sentences":[{"text":"Yep.","start":254.365,"end":254.865,"sentiment":"neutral","sentiment_score":-0.20529115200042725},{"text":"Yeah.","start":254.925,"end":255.425,"sentiment":"neutral","sentiment_score":-0.07032016664743423},{"text":"That is.","start":255.485,"end":256.305,"sentiment":"neutral","sentiment_score":-0.059312911704182625},{"text":"Yeah.","start":257.245,"end":257.745,"sentiment":"neutral","sentiment_score":-0.05034473538398743},{"text":"Yeah.","start":257.885,"end":258.385,"sentiment":"neutral","sentiment_score":-0.011355940252542496}],"sentiment":"neutral","sentiment_score":-0.07598963628212611,"num_words":6,"start":254.365,"end":258.385},{"sentences":[{"text":"Definitely.","start":259.34,"end":259.84,"sentiment":"neutral","sentiment_score":0.027061719447374344},{"text":"Yep.","start":270.13998,"end":270.63998,"sentiment":"neutral","sentiment_score":-0.07962286472320557},{"text":"Yes.","start":281.83502,"end":282.33502,"sentiment":"neutral","sentiment_score":0.03701338171958923},{"text":"Yep.","start":282.55502,"end":283.05502,"sentiment":"neutral","sentiment_score":0.04465075954794884},{"text":"Yeah.","start":299.425,"end":299.925,"sentiment":"neutral","sentiment_score":-0.013272399082779884}],"sentiment":"neutral","sentiment_score":0.0031661193817853926,"num_words":5,"start":259.34,"end":299.925},{"sentences":[{"text":"Would you like me to maybe look at another option for you?","start":299.985,"end":302.945,"sentiment":"neutral","sentiment_score":-0.05150084259609381},{"text":"Do you want me just to see what it would cost if we looked at just canceling the TPD and kept the life cover in place?","start":302.945,"end":308.725,"sentiment":"neutral","sentiment_score":-0.08425018091041309},{"text":"Well, I mean, how how about the quote?","start":314.94,"end":318.0,"sentiment":"neutral","sentiment_score":-0.01334247796330601},{"text":"So for the new premium yeah.","start":318.14,"end":323.14502,"sentiment":"neutral","sentiment_score":-0.02592564591517051},{"text":"So it did sort of if we're looking at reducing the life, the premium for the TPD is the biggest cost.","start":323.14502,"end":331.86502,"sentiment":"neutral","sentiment_score":-0.1360789072655496}],"sentiment":"neutral","sentiment_score":-0.08121185707668327,"num_words":73,"start":299.985,"end":331.86502},{"sentences":[{"text":"So with your current policy, the life and TPD, the TBD policy is the 9,390 and 58¢.","start":331.86502,"end":341.33,"sentiment":"neutral","sentiment_score":0.016394257254432887},{"text":"So your life policy, if you just kept that, reduces it down to about 5,000 under the current part of the quote here, and that's without reducing the policy.","start":341.55,"end":350.935,"sentiment":"neutral","sentiment_score":0.010118131654272819},{"text":"It's on either quote, but it's the first page, and you're looking at the current policy, which is the it's a highlighted section.","start":351.715,"end":358.85498,"sentiment":"neutral","sentiment_score":0.0061076966989987895},{"text":"Yeah.","start":362.37,"end":362.77,"sentiment":"neutral","sentiment_score":0.04258333146572113},{"text":"So the first page of the quote's got all your details.","start":362.77,"end":365.25,"sentiment":"neutral","sentiment_score":0.05158184671943838}],"sentiment":"neutral","sentiment_score":0.016327432543766916,"num_words":81,"start":331.86502,"end":365.25},{"sentences":[{"text":"The second page has got your current quote and the new premium for the reduction.","start":365.25,"end":369.19,"sentiment":"neutral","sentiment_score":0.03461037774880727},{"text":"Yep.","start":373.26498,"end":373.66498,"sentiment":"neutral","sentiment_score":0.09759380668401718},{"text":"Yep.","start":373.66498,"end":374.145,"sentiment":"neutral","sentiment_score":0.10032980144023897},{"text":"And you'll see.","start":374.145,"end":374.865,"sentiment":"neutral","sentiment_score":0.08922978738943736},{"text":"So you've got your super, your attached TBD, and your life policy underneath that.","start":374.865,"end":379.185,"sentiment":"neutral","sentiment_score":0.08393360088978495}],"sentiment":"neutral","sentiment_score":0.06352467791122549,"num_words":34,"start":365.25,"end":379.185},{"sentences":[{"text":"The next column has your sum insured, and the following one has your premiums.","start":379.185,"end":383.205,"sentiment":"neutral","sentiment_score":0.040819866582751274},{"text":"The total is at 14,000.","start":383.905,"end":386.00497,"sentiment":"neutral","sentiment_score":0.045561620593070985},{"text":"But if you look at the top part of the premium, that's the premium for the tax TBD.","start":386.145,"end":390.38,"sentiment":"neutral","sentiment_score":0.027767316696958408},{"text":"Yeah.","start":390.44,"end":390.94,"sentiment":"neutral","sentiment_score":0.01739724725484848},{"text":"Yeah.","start":394.03998,"end":394.53998,"sentiment":"neutral","sentiment_score":0.04180986434221268}],"sentiment":"neutral","sentiment_score":0.034828334545286804,"num_words":39,"start":379.185,"end":394.53998},{"sentences":[{"text":"Yeah.","start":394.6,"end":395.1,"sentiment":"neutral","sentiment_score":0.04923245683312416},{"text":"And, I mean, having a look at your age, you're over 60 now.","start":395.4,"end":398.36,"sentiment":"neutral","sentiment_score":0.06403341774757092},{"text":"So if you were TBD, if you were not able to work, you could access your super.","start":398.36,"end":402.94,"sentiment":"neutral","sentiment_score":0.06758512052543023},{"text":"So yeah.","start":403.47998,"end":405.055,"sentiment":"neutral","sentiment_score":0.12124566361308098},{"text":"And then you could keep that life policy and just keep that in the event that something happens to Carrie, and that still gives her, you know, the $343.06 $6.07.","start":405.055,"end":415.235,"sentiment":"neutral","sentiment_score":0.16743203476071358}],"sentiment":"neutral","sentiment_score":0.11581057629414968,"num_words":63,"start":394.6,"end":415.235},{"sentences":[{"text":"You're still paying $5 for the life policy, but it is it is a lot better.","start":415.375,"end":421.78,"sentiment":"neutral","sentiment_score":0.05600259097991511},{"text":"Yeah.","start":421.78,"end":422.28,"sentiment":"neutral","sentiment_score":0.10529489070177078},{"text":"Yeah.","start":422.58,"end":423.08,"sentiment":"neutral","sentiment_score":0.16072747111320496},{"text":"Yeah.","start":424.1,"end":424.6,"sentiment":"neutral","sentiment_score":0.0907544195652008},{"text":"Yeah.","start":426.41998,"end":426.74,"sentiment":"neutral","sentiment_score":0.07705400884151459}],"sentiment":"neutral","sentiment_score":0.06649361229501664,"num_words":20,"start":415.375,"end":426.74},{"sentences":[{"text":"You're right.","start":426.74,"end":427.47998,"sentiment":"neutral","sentiment_score":0.10422702133655548},{"text":"Absolutely.","start":429.53998,"end":430.03998,"sentiment":"neutral","sentiment_score":0.32841992378234863},{"text":"That's okay.","start":434.355,"end":434.995,"sentiment":"positive","sentiment_score":0.4487445801496506},{"text":"You're fine.","start":434.995,"end":435.815,"sentiment":"positive","sentiment_score":0.45538175106048584},{"text":"Yeah.","start":478.47998,"end":478.96,"sentiment":"neutral","sentiment_score":-0.2374266982078552}],"sentiment":"neutral","sentiment_score":0.26346249133348465,"num_words":8,"start":426.74,"end":478.96},{"sentences":[{"text":"It it is technically your decision.","start":478.96,"end":480.73502,"sentiment":"neutral","sentiment_score":-0.09607419123252232},{"text":"I love the way your wife thinks that, but it is technically your decision.","start":480.73502,"end":484.515,"sentiment":"neutral","sentiment_score":0.0972934120467731},{"text":"But yeah.","start":486.73502,"end":487.295,"sentiment":"neutral","sentiment_score":-0.0018161255866289139},{"text":"I mean, look, you could look at that.","start":487.295,"end":488.73502,"sentiment":"neutral","sentiment_score":0.009068710263818502},{"text":"Do you want me to get a quote?","start":488.73502,"end":490.995,"sentiment":"neutral","sentiment_score":0.0018358619417995214}],"sentiment":"neutral","sentiment_score":0.02287544599293094,"num_words":38,"start":478.96,"end":490.995},{"sentences":[{"text":"Yeah.","start":493.06998,"end":493.56998,"sentiment":"neutral","sentiment_score":0.039808884263038635},{"text":"Absolutely.","start":494.90997,"end":495.40997,"sentiment":"neutral","sentiment_score":0.18249547481536865},{"text":"And, I mean, these policies yeah.","start":495.55,"end":497.94998,"sentiment":"neutral","sentiment_score":0.060456019515792526},{"text":"Correct.","start":497.94998,"end":498.44998,"sentiment":"neutral","sentiment_score":0.07325337827205658},{"text":"Yeah.","start":503.71,"end":504.19,"sentiment":"neutral","sentiment_score":0.0543673075735569}],"sentiment":"neutral","sentiment_score":0.07126611620187759,"num_words":10,"start":493.06998,"end":504.19},{"sentences":[{"text":"Yeah.","start":504.19,"end":504.50998,"sentiment":"neutral","sentiment_score":0.09178905189037324},{"text":"Absolutely.","start":504.50998,"end":505.00998,"sentiment":"neutral","sentiment_score":0.13182872533798218},{"text":"And, I mean, if you looked at you could even look at reducing the life cover down a little bit just to kind of maybe bring it down to the $2.50 or 2 because how much do you guys owe on the mortgage?","start":506.255,"end":516.975,"sentiment":"neutral","sentiment_score":0.0262363291843686},{"text":"You don't owe very much, do 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so much, Carl.","start":1006.235,"end":1007.355,"sentiment":"positive","sentiment_score":0.8138247966766358},{"text":"Talk to you soon.","start":1007.355,"end":1008.335,"sentiment":"positive","sentiment_score":0.6327438503503799}],"sentiment":"positive","sentiment_score":0.6779588644321148,"num_words":13,"start":1000.635,"end":1008.335},{"sentences":[{"text":"Thanks.","start":1009.755,"end":1010.155,"sentiment":"positive","sentiment_score":0.7516756653785706},{"text":"See you later.","start":1010.155,"end":1010.875,"sentiment":"positive","sentiment_score":0.3590112030506134},{"text":"Bye.","start":1010.875,"end":1011.375,"sentiment":"neutral","sentiment_score":-0.12702998518943787}],"sentiment":"positive","sentiment_score":0.3403358578681946,"num_words":5,"start":1009.755,"end":1011.375}]}}]},{"alternatives":[{"transcript":"Hello? Are you there? Yeah. I think so. I don't know what's I've I've got you now. No. No. It's not your fault. I don't know what was going on there. Ain't it ain't it good? Ain't it good? Yep. Yep. Yep. Not a problem. Colin John Andrews, 10 MacArthur Street, Moree, New South Wales 2400. Yep. Well, that's that's, yeah, that's sort of what I'm looking at, mate. I think I I I'm just here and there with with the insurance in any case. And looking at that, I don't know whether it's it's correct, but does it finish with Nios Nios or whatever? Does it finish at 72 going on the on wait. Wait. One, two, three on page four, it would be. We've got the list of planned projections. Yep. Yep. Yep. Six. Sorry. What was that? Yeah. Yeah. You're alright. Sorry. So guys Okay. Yep. Right. Yeah. Okay. So it's not so much a work thing. It's more of a health thing. As in yeah. You can't yep. Yeah. Yeah. No. That's alright. That's alright. Yeah. Of course. Yeah. Well, that's it. Looking at 72 there. I'm paying 28 20 $8,300 sort of thing. Yeah. I'm just I'm just thinking we've we've had a bit of a talk, and and and we're virtually thinking I mean, if if I die I mean, it probably sounds odd from your end, but we just think that, you know, if I if I die, I don't get the benefit anyway. It's all for Carrie and same for her. If it's if she passes it to the benefits for me. And that's great. That's great, you know, to have that. But when you're paying out so much over a certain amount of time, and, I mean, if it cuts off at a certain date and we live past a certain date, we spend all that money for nothing. And it's a risk you take. All insurance is. Right? I get that. I get it. But we're just, you know, we're just thinking, well, the way things are, we well, I'd be better off. Kerry hasn't made a decision on hers or anything, but I'm just thinking that, you know, the risk is the risk that you take anyway. And I just think that that money would be better off in earning money for my super, which Terry's gonna get anyway. I mean, it's not I know it's not gonna be the the same, but I just think that extra $14 on my super is gonna make, you know, a hell of a difference to to the outcome of the super. So I just We're still looking at a fair amount, though, aren't we? Like where are we? I'm looking at quote one. So it's 8 thousand Hang on. Which one are we looking at? Which the second page, is it? You're in fourth quote. Yep. Yep. Yep. Yeah. Gotcha. Okay. Yeah. So it's 9, and it come back comes back to $5.03. Right. That's it. It wouldn't matter. Yeah. Yeah. No. That's a lot that's a that is a lot better. That's a that's a big difference. Just hang on just hang on for a second, Dana, or I'll just talk to Carrie about that just so we can we can continue on because I'm we just make decisions together. That's all. Now Dana's just saying what we could do is reduce it, take out the TPD, and just keep the life cover, which is the 5,300 as a yearly thing instead of the 14,000. And then that way then that way then you still get the big benefit of that. Yes. If she thinks get her. Whatever she thinks is probably the best thing. Well, that's it. That's not a decision. It's a sad decision. Yeah. Yeah. Oh, yeah. Yeah. I get it. I get it. Yeah. Well, that's you know, If you look at that, that's another $10 at you know, in the in the super anyway. Plus then we've still and then we've still got the yeah. We've still got the $3.43 for the 5. Yeah. I'm just $5,455,000, I think, was the last statement. So so we could if we could we could we probably look at, say, $2.50 or 300? Somewhere around that or something. Yeah. Yeah. Okay. Yeah. It's right there. Yep. Yeah. Yeah. Yeah. Alright. No. That sounds good. Yeah. No. That's fine. Yep. No worries. And and, yeah, that's because I mean, $10, that's a big savings, you know, like or 10 or more or whatever, but we'll see what it is. But that'll make a big difference, obviously, to my Subaru. So and I'm thinking, you know, like, as I said, we've got I've got three to four years left. So it's just the way it is. I just looked at my my leave the other day. I've got fifty two weeks leave sitting there, so I'm I've got a full gear that I can take off if I want to just in just in leave sort of thing. But if I don't get a chance to take that, they've gotta pay me out for all that as well too. So I've got to I've got to then work out the the best way tax wise, which I'm guessing if I go into August, that's a whole fresh year that they can all the tax can come out for that fresh year. So, you know, that's what I'm I'm sort of thinking on. I just I just don't know that I'm gonna get a chance to use all this suit all this leave. They're trying to they're trying to get me to to take it, but then every time something, you know, get a chance to go or take some time off, something comes up and and it's sort of just a bit hard to get away sort of thing. So, anyway, that's about yeah. Yeah. Yeah. Yeah. Well, that's what I'm trying. Just trying to work out, like, whether I've got three three or sort of four four years that I'll sort of work it out to to push it out to. You know? So anyway. So that's alright. Okay. No. That sounds good, mate. Thank you. Yep. Yeah. Yeah. Yeah. Yep. No. There won't be any there won't yeah. That's right. There won't be any rush or anything like that. So, I mean, even if you don't get it done by tomorrow, don't fuss too much. Like, we're working on work in progress. Yes. Yeah. Yeah. Well, I'm I'm on the 95 I'm on the 95% of wage now. Hopefully, the end of this month, when I go and see the doctor again, I'll be able to add another couple of hours. I'm thinking in the next three to four months, hopefully, I might be back to full time, so that'll be good. Well, if if we work on what we got now at the 95, I can send you a well, I can't actually because I'm I'm arguing with them about what they're doing with my at the moment. They're all over the place. Once once it settles down, I can send you a copy of the the payslip, which shows you what I'll be getting, and we can we can look at that. Because virtually, once once I'm I'm back full time, it'll only be a bonus. There'll be just extra money there with that I don't know whether we can, you know, change it down the track or whatever, but we can up it all or whatever. So Yeah. Yeah. Well, actually, what I can do what I can do is send you a copy of when things were working okay. So that that that just shouldn't change from that. So, anyway, I'll I'll do that tomorrow. I'll send that off to you. Alright, mate. Yeah. Yep. Well, if we do that, we're we're safe right now if if we work on that now. And then, like, as I said, when when I'm back full time, well, it's only gonna get more be more. So, you know but yes. Yeah. Yeah. Exactly. Yeah. Yeah. That's what I'm sort of thinking. So, yeah. Alright. Okay. No worries. Thank you very much. Thanks for your time too staying back and whatever. So I think Harry did have a question for you about hers. Did you wanna talk to her now or to organize a time? Okay. Just give me five secs. I'll see if she wants to ask you. Because I I I know she's the same. She's she's having she's trying to work out what's going on with the payslips as well, so I don't know whether she's right. Dana's just saying, did you wanna talk to her about anything? Did you wanna ask her about that? Well, I'm gonna probably be booked for you next week. Yeah. She got an appointment next week, Dana. So she said that'll be fine. Yeah. It's hopefully, then she'll be able to sort out what's what's happening as well. So alright. Alrighty o. No worries. Well, thank you very much for that. Appreciate it. I like yeah. I don't know. It's just things happening and whatever. And I I I know ours is all new. Like, they've had a lot of changes within the system sort of thing, but, yeah, I just I don't get what's happening because it's just one minute I'm I'm getting it taken out. Next minute, they're paying me and all this sort of stuff. And I'm I'm just trying to get them to catch up so that I don't owe them any money. Once once once I do that, I'll be happy, and hopefully, things will settle down. But I think it's just a matter of the girls, the new girls that are in the in the pay payroll area. They're they're having troubles getting their head around some things, I think. And that's not that's not their fault. That's council's fault for not trying to do it properly. You know, like, they've just been thrown in at the deep end. Put it that way. You know? Anyway, that's beside the point. So Alright. Not a problem, mate. Thank you very much, and you have drive safely home. Righto. Thanks, Anna. 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Are you there? Yeah. I think so. I don't know what's I've I've got you now.\n\nNo. No. It's not your fault. I don't know what was going on there. Ain't it ain't it good?\n\nAin't it good? Yep. Yep. Yep. Not a problem.\n\nColin John Andrews, 10 MacArthur Street, Moree, New South Wales 2400. Yep. Well, that's that's, yeah, that's sort of what I'm looking at, mate. I think I I I'm just here and there with with the insurance in any case. And looking at that, I don't know whether it's it's correct, but does it finish with Nios Nios or whatever?\n\nDoes it finish at 72 going on the on wait. Wait. One, two, three on page four, it would be. We've got the list of planned projections. Yep.\n\nYep. Yep. Six. Sorry. What was that?\n\nYeah. Yeah. You're alright. Sorry. So guys Okay.\n\nYep. Right. Yeah. Okay. So it's not so much a work thing.\n\nIt's more of a health thing. As in yeah. You can't yep. Yeah. Yeah.\n\nNo. That's alright. That's alright. Yeah. Of course.\n\nYeah. Well, that's it. Looking at 72 there. I'm paying 28 20 $8,300 sort of thing. Yeah.\n\nI'm just I'm just thinking we've we've had a bit of a talk, and and and we're virtually thinking I mean, if if I die I mean, it probably sounds odd from your end, but we just think that, you know, if I if I die, I don't get the benefit anyway. It's all for Carrie and same for her. If it's if she passes it to the benefits for me. And that's great. That's great, you know, to have that.\n\nBut when you're paying out so much over a certain amount of time, and, I mean, if it cuts off at a certain date and we live past a certain date, we spend all that money for nothing. And it's a risk you take. All insurance is. Right? I get that.\n\nI get it. But we're just, you know, we're just thinking, well, the way things are, we well, I'd be better off. Kerry hasn't made a decision on hers or anything, but I'm just thinking that, you know, the risk is the risk that you take anyway. And I just think that that money would be better off in earning money for my super, which Terry's gonna get anyway. I mean, it's not I know it's not gonna be the the same, but I just think that extra $14 on my super is gonna make, you know, a hell of a difference to to the outcome of the super.\n\nSo I just We're still looking at a fair amount, though, aren't we? Like where are we? I'm looking at quote one. So it's 8 thousand Hang on. Which one are we looking at?\n\nWhich the second page, is it? You're in fourth quote. Yep. Yep. Yep.\n\nYeah. Gotcha. Okay. Yeah. So it's 9, and it come back comes back to $5.03.\n\nRight. That's it. It wouldn't matter. Yeah. Yeah.\n\nNo. That's a lot that's a that is a lot better. That's a that's a big difference. Just hang on just hang on for a second, Dana, or I'll just talk to Carrie about that just so we can we can continue on because I'm we just make decisions together. That's all.\n\nNow Dana's just saying what we could do is reduce it, take out the TPD, and just keep the life cover, which is the 5,300 as a yearly thing instead of the 14,000. And then that way then that way then you still get the big benefit of that. Yes. If she thinks get her. Whatever she thinks is probably the best thing.\n\nWell, that's it. That's not a decision. It's a sad decision. Yeah. Yeah.\n\nOh, yeah. Yeah. I get it. I get it. Yeah.\n\nWell, that's you know, If you look at that, that's another $10 at you know, in the in the super anyway. Plus then we've still and then we've still got the yeah. We've still got the $3.43 for the 5. Yeah. I'm just $5,455,000, I think, was the last statement.\n\nSo so we could if we could we could we probably look at, say, $2.50 or 300? Somewhere around that or something. Yeah. Yeah. Okay.\n\nYeah. It's right there. Yep. Yeah. Yeah.\n\nYeah. Alright. No. That sounds good. Yeah.\n\nNo. That's fine. Yep. No worries. And and, yeah, that's because I mean, $10, that's a big savings, you know, like or 10 or more or whatever, but we'll see what it is.\n\nBut that'll make a big difference, obviously, to my Subaru. So and I'm thinking, you know, like, as I said, we've got I've got three to four years left. So it's just the way it is. I just looked at my my leave the other day. I've got fifty two weeks leave sitting there, so I'm I've got a full gear that I can take off if I want to just in just in leave sort of thing.\n\nBut if I don't get a chance to take that, they've gotta pay me out for all that as well too. So I've got to I've got to then work out the the best way tax wise, which I'm guessing if I go into August, that's a whole fresh year that they can all the tax can come out for that fresh year. So, you know, that's what I'm I'm sort of thinking on. I just I just don't know that I'm gonna get a chance to use all this suit all this leave. They're trying to they're trying to get me to to take it, but then every time something, you know, get a chance to go or take some time off, something comes up and and it's sort of just a bit hard to get away sort of thing.\n\nSo, anyway, that's about yeah. Yeah. Yeah. Yeah. Well, that's what I'm trying.\n\nJust trying to work out, like, whether I've got three three or sort of four four years that I'll sort of work it out to to push it out to. You know? So anyway. So that's alright. Okay.\n\nNo. That sounds good, mate. Thank you. Yep. Yeah.\n\nYeah. Yeah. Yep. No. There won't be any there won't yeah.\n\nThat's right. There won't be any rush or anything like that. So, I mean, even if you don't get it done by tomorrow, don't fuss too much. Like, we're working on work in progress. Yes.\n\nYeah. Yeah. Well, I'm I'm on the 95 I'm on the 95% of wage now. Hopefully, the end of this month, when I go and see the doctor again, I'll be able to add another couple of hours. I'm thinking in the next three to four months, hopefully, I might be back to full time, so that'll be good.\n\nWell, if if we work on what we got now at the 95, I can send you a well, I can't actually because I'm I'm arguing with them about what they're doing with my at the moment. They're all over the place. Once once it settles down, I can send you a copy of the the payslip, which shows you what I'll be getting, and we can we can look at that. Because virtually, once once I'm I'm back full time, it'll only be a bonus. There'll be just extra money there with that I don't know whether we can, you know, change it down the track or whatever, but we can up it all or whatever.\n\nSo Yeah. Yeah. Well, actually, what I can do what I can do is send you a copy of when things were working okay. So that that that just shouldn't change from that. So, anyway, I'll I'll do that tomorrow.\n\nI'll send that off to you. Alright, mate. Yeah. Yep. Well, if we do that, we're we're safe right now if if we work on that now.\n\nAnd then, like, as I said, when when I'm back full time, well, it's only gonna get more be more. So, you know but yes. Yeah. Yeah. Exactly.\n\nYeah. Yeah. That's what I'm sort of thinking. So, yeah. Alright.\n\nOkay. No worries. Thank you very much. Thanks for your time too staying back and whatever. So I think Harry did have a question for you about hers.\n\nDid you wanna talk to her now or to organize a time? Okay. Just give me five secs. I'll see if she wants to ask you. Because I I I know she's the same.\n\nShe's she's having she's trying to work out what's going on with the payslips as well, so I don't know whether she's right. Dana's just saying, did you wanna talk to her about anything? Did you wanna ask her about that? Well, I'm gonna probably be booked for you next week. Yeah.\n\nShe got an appointment next week, Dana. So she said that'll be fine. Yeah. It's hopefully, then she'll be able to sort out what's what's happening as well. So alright.\n\nAlrighty o. No worries. Well, thank you very much for that. Appreciate it. I like yeah.\n\nI don't know. It's just things happening and whatever. And I I I know ours is all new. Like, they've had a lot of changes within the system sort of thing, but, yeah, I just I don't get what's happening because it's just one minute I'm I'm getting it taken out. Next minute, they're paying me and all this sort of stuff.\n\nAnd I'm I'm just trying to get them to catch up so that I don't owe them any money. Once once once I do that, I'll be happy, and hopefully, things will settle down. But I think it's just a matter of the girls, the new girls that are in the in the pay payroll area. They're they're having troubles getting their head around some things, I think. And that's not that's not their fault.\n\nThat's council's fault for not trying to do it properly. You know, like, they've just been thrown in at the deep end. Put it that way. You know? Anyway, that's beside the point.\n\nSo Alright. Not a problem, mate. Thank you very much, and you have drive safely home. Righto. Thanks, Anna.\n\nSee you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":-0.0004450101405382157},{"text":"Are you there?","start":2.1599998,"end":2.8999999,"sentiment":"neutral","sentiment_score":-0.001417304544399182},{"text":"Yeah.","start":5.6,"end":5.92,"sentiment":"neutral","sentiment_score":0.0019304356537759304},{"text":"I think so.","start":5.92,"end":6.74,"sentiment":"neutral","sentiment_score":-0.0050726958240071935},{"text":"I don't know what's I've I've got you now.","start":7.04,"end":9.86,"sentiment":"neutral","sentiment_score":-0.04767666268162429}],"sentiment":"neutral","sentiment_score":-0.026298502336858827,"num_words":17,"start":1.8399999,"end":9.86},{"sentences":[{"text":"No.","start":13.335,"end":13.575,"sentiment":"neutral","sentiment_score":-0.2636653184890747},{"text":"No.","start":13.575,"end":13.735,"sentiment":"negative","sentiment_score":-0.3419634699821472},{"text":"It's not your fault.","start":13.735,"end":14.535,"sentiment":"negative","sentiment_score":-0.37188345938920975},{"text":"I don't know what was going on there.","start":14.535,"end":16.154999,"sentiment":"neutral","sentiment_score":-0.24129829369485378},{"text":"Ain't it ain't it good?","start":18.215,"end":19.654999,"sentiment":"negative","sentiment_score":-0.4976405203342438}],"sentiment":"negative","sentiment_score":-0.3427237672241111,"num_words":19,"start":13.335,"end":19.654999},{"sentences":[{"text":"Ain't it good?","start":19.654999,"end":20.555,"sentiment":"neutral","sentiment_score":-0.22516058882077536},{"text":"Yep.","start":25.335,"end":25.735,"sentiment":"neutral","sentiment_score":0.07630603760480881},{"text":"Yep.","start":25.735,"end":26.235,"sentiment":"neutral","sentiment_score":0.06645049154758453},{"text":"Yep.","start":32.809998,"end":33.05,"sentiment":"neutral","sentiment_score":0.11489556729793549},{"text":"Not a 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whatever?","start":73.275,"end":81.755,"sentiment":"neutral","sentiment_score":-0.019244183506816625}],"sentiment":"neutral","sentiment_score":-0.03491895121211807,"num_words":60,"start":39.53,"end":81.755},{"sentences":[{"text":"Does it finish at 72 going on the on wait.","start":81.755,"end":86.634995,"sentiment":"neutral","sentiment_score":-0.01703151371330023},{"text":"Wait.","start":86.634995,"end":86.955,"sentiment":"neutral","sentiment_score":-0.0039104875177145},{"text":"One, two, three on page four, it would be.","start":86.955,"end":91.31,"sentiment":"neutral","sentiment_score":0.017526807884375255},{"text":"We've got the list of planned 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that?","start":121.4,"end":122.3,"sentiment":"neutral","sentiment_score":-0.06718171387910843}],"sentiment":"neutral","sentiment_score":-0.02783228530149375,"num_words":7,"start":103.205,"end":122.3},{"sentences":[{"text":"Yeah.","start":124.520004,"end":124.76,"sentiment":"neutral","sentiment_score":0.04408716410398483},{"text":"Yeah.","start":124.76,"end":125.0,"sentiment":"neutral","sentiment_score":0.03759026527404785},{"text":"You're alright.","start":125.0,"end":125.560005,"sentiment":"neutral","sentiment_score":0.07933760434389114},{"text":"Sorry.","start":125.560005,"end":126.060005,"sentiment":"neutral","sentiment_score":-0.10094514489173888},{"text":"So guys Okay.","start":154.45999,"end":160.655,"sentiment":"neutral","sentiment_score":0.09545682619015376}],"sentiment":"neutral","sentiment_score":0.05322224646806717,"num_words":8,"start":124.520004,"end":160.655},{"sentences":[{"text":"Yep.","start":168.65001,"end":169.15001,"sentiment":"neutral","sentiment_score":-0.010258186608552933},{"text":"Right.","start":184.17001,"end":184.485,"sentiment":"neutral","sentiment_score":0.020623309537768364},{"text":"Yeah.","start":188.005,"end":188.325,"sentiment":"neutral","sentiment_score":0.013208620250225067},{"text":"Okay.","start":188.325,"end":188.565,"sentiment":"neutral","sentiment_score":0.02337379939854145},{"text":"So it's not so much a work thing.","start":188.565,"end":190.085,"sentiment":"neutral","sentiment_score":-0.1061219573020935}],"sentiment":"neutral","sentiment_score":-0.06683567631989717,"num_words":12,"start":168.65001,"end":190.085},{"sentences":[{"text":"It's more of a health 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alright.","start":199.72,"end":200.54,"sentiment":"neutral","sentiment_score":0.03516551945358515},{"text":"Yeah.","start":209.31999,"end":209.56,"sentiment":"neutral","sentiment_score":-0.02242133393883705},{"text":"Of course.","start":209.56,"end":210.015,"sentiment":"neutral","sentiment_score":-0.032587180845439434}],"sentiment":"neutral","sentiment_score":-0.013709723018109798,"num_words":8,"start":198.84,"end":210.015},{"sentences":[{"text":"Yeah.","start":211.295,"end":211.795,"sentiment":"neutral","sentiment_score":-0.0843871682882309},{"text":"Well, that's it.","start":213.215,"end":214.015,"sentiment":"neutral","sentiment_score":-0.034283400823672615},{"text":"Looking at 72 there.","start":214.015,"end":215.295,"sentiment":"neutral","sentiment_score":-0.015595362521708012},{"text":"I'm paying 28 20 $8,300 sort of thing.","start":215.295,"end":218.995,"sentiment":"neutral","sentiment_score":-0.009767675383955066},{"text":"Yeah.","start":219.295,"end":219.455,"sentiment":"neutral","sentiment_score":0.011521177366375923}],"sentiment":"neutral","sentiment_score":-0.018602296855961493,"num_words":17,"start":211.295,"end":219.455},{"sentences":[{"text":"I'm just I'm just thinking we've we've had a bit of a talk, and and and we're virtually thinking I mean, if if I die I mean, it probably sounds odd from your end, but we just think that, you know, if I if I die, I don't get the benefit anyway.","start":219.455,"end":235.45,"sentiment":"neutral","sentiment_score":-0.1572688648190636},{"text":"It's all for Carrie and same for her.","start":235.45,"end":237.05,"sentiment":"neutral","sentiment_score":-0.1180430306121707},{"text":"If it's if she passes it to the benefits for me.","start":237.05,"end":239.655,"sentiment":"neutral","sentiment_score":-0.08646954358978705},{"text":"And that's great.","start":239.655,"end":240.635,"sentiment":"neutral","sentiment_score":0.29192545264959335},{"text":"That's great, you know, to have that.","start":241.095,"end":243.11499,"sentiment":"neutral","sentiment_score":0.19569271696465357}],"sentiment":"neutral","sentiment_score":-0.09664030639845649,"num_words":81,"start":219.455,"end":243.11499},{"sentences":[{"text":"But when you're paying out so much over a certain amount of time, and, I mean, if it cuts off at a certain date and we live past a certain date, we spend all that money for nothing.","start":244.055,"end":253.8,"sentiment":"neutral","sentiment_score":-0.21029069490338625},{"text":"And it's a risk you take.","start":253.8,"end":255.18001,"sentiment":"neutral","sentiment_score":-0.25132809579372406},{"text":"All insurance is.","start":255.64,"end":256.76,"sentiment":"neutral","sentiment_score":-0.09056042631467183},{"text":"Right?","start":256.76,"end":257.26,"sentiment":"neutral","sentiment_score":-0.03489862382411957},{"text":"I get that.","start":257.48,"end":258.12,"sentiment":"neutral","sentiment_score":-0.046377950658400856}],"sentiment":"neutral","sentiment_score":-0.19499468109479137,"num_words":51,"start":244.055,"end":258.12},{"sentences":[{"text":"I get it.","start":258.12,"end":258.86002,"sentiment":"neutral","sentiment_score":0.0013041167209545772},{"text":"But we're just, you know, we're just thinking, well, the way things are, we well, I'd be better off.","start":259.64,"end":266.62,"sentiment":"neutral","sentiment_score":-0.26796921930815043},{"text":"Kerry hasn't made a decision on hers or anything, but I'm just thinking that, you know, the risk is the risk that you take anyway.","start":267.215,"end":275.475,"sentiment":"neutral","sentiment_score":-0.23594925194978714},{"text":"And I just think that that money would be better off in earning money for my super, which Terry's gonna get anyway.","start":276.655,"end":283.49,"sentiment":"neutral","sentiment_score":-0.1418264272876761},{"text":"I mean, it's not I know it's not gonna be the the same, but I just think that extra $14 on my super is gonna make, you know, a hell of a difference to to the outcome of the super.","start":283.49,"end":298.625,"sentiment":"neutral","sentiment_score":-0.03665660722181201}],"sentiment":"neutral","sentiment_score":-0.14286862206089934,"num_words":109,"start":258.12,"end":298.625},{"sentences":[{"text":"So I just We're still looking at a fair amount, though, aren't we?","start":298.625,"end":314.06,"sentiment":"neutral","sentiment_score":-0.06582596038396542},{"text":"Like where are we?","start":314.06,"end":319.03998,"sentiment":"neutral","sentiment_score":-0.016324834432452917},{"text":"I'm looking at quote one.","start":320.3,"end":322.20502,"sentiment":"neutral","sentiment_score":-0.017523935809731484},{"text":"So it's 8 thousand Hang on.","start":325.02502,"end":343.76,"sentiment":"neutral","sentiment_score":-0.10937829253574212},{"text":"Which one are we looking at?","start":349.335,"end":356.315,"sentiment":"neutral","sentiment_score":-0.03839939320459962}],"sentiment":"neutral","sentiment_score":-0.05574478282976676,"num_words":34,"start":298.625,"end":356.315},{"sentences":[{"text":"Which the second page, is it?","start":359.335,"end":361.77,"sentiment":"neutral","sentiment_score":0.013172681132952372},{"text":"You're in fourth 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statement.","start":506.04,"end":524.96497,"sentiment":"neutral","sentiment_score":-0.001752569909311003}],"sentiment":"neutral","sentiment_score":0.028856324134394526,"num_words":50,"start":488.43,"end":524.96497},{"sentences":[{"text":"So so we could if we could we could we probably look at, say, $2.50 or 300?","start":525.105,"end":534.165,"sentiment":"neutral","sentiment_score":-0.013894780128098586},{"text":"Somewhere around that or something.","start":535.49005,"end":537.03,"sentiment":"neutral","sentiment_score":-0.041453444957733156},{"text":"Yeah.","start":542.37,"end":542.87,"sentiment":"neutral","sentiment_score":0.047636933624744415},{"text":"Yeah.","start":551.53503,"end":551.85504,"sentiment":"neutral","sentiment_score":0.050383586436510086},{"text":"Okay.","start":551.85504,"end":552.35504,"sentiment":"neutral","sentiment_score":0.007382833398878574}],"sentiment":"neutral","sentiment_score":-0.013523005340248346,"num_words":25,"start":525.105,"end":552.35504},{"sentences":[{"text":"Yeah.","start":555.775,"end":556.09503,"sentiment":"neutral","sentiment_score":0.26704612374305725},{"text":"It's right there.","start":556.09503,"end":556.815,"sentiment":"neutral","sentiment_score":0.1896288941303889},{"text":"Yep.","start":556.815,"end":557.315,"sentiment":"neutral","sentiment_score":0.1225106567144394},{"text":"Yeah.","start":563.91,"end":564.41,"sentiment":"neutral","sentiment_score":0.1167452409863472},{"text":"Yeah.","start":564.55,"end":565.05,"sentiment":"neutral","sentiment_score":0.12309511750936508}],"sentiment":"neutral","sentiment_score":0.17118340304919652,"num_words":7,"start":555.775,"end":565.05},{"sentences":[{"text":"Yeah.","start":565.35,"end":565.85,"sentiment":"neutral","sentiment_score":0.14092254638671875},{"text":"Alright.","start":566.07,"end":566.57,"sentiment":"neutral","sentiment_score":0.2235887050628662},{"text":"No.","start":566.70996,"end":566.95,"sentiment":"neutral","sentiment_score":0.08548842370510101},{"text":"That sounds good.","start":566.95,"end":567.93,"sentiment":"positive","sentiment_score":0.3633124927679698},{"text":"Yeah.","start":572.63,"end":572.79,"sentiment":"neutral","sentiment_score":0.10580480098724364}],"sentiment":"neutral","sentiment_score":0.23510599349226272,"num_words":7,"start":565.35,"end":572.79},{"sentences":[{"text":"No.","start":572.79,"end":572.95,"sentiment":"neutral","sentiment_score":0.04454141482710838},{"text":"That's fine.","start":572.95,"end":573.77,"sentiment":"neutral","sentiment_score":0.1388661488890648},{"text":"Yep.","start":575.51,"end":576.01,"sentiment":"neutral","sentiment_score":0.2881002426147461},{"text":"No worries.","start":576.715,"end":577.355,"sentiment":"positive","sentiment_score":0.3784405142068863},{"text":"And and, yeah, that's because I mean, $10, that's a big savings, you know, like or 10 or more or whatever, but we'll see what it is.","start":577.355,"end":584.795,"sentiment":"neutral","sentiment_score":0.2855101843123083}],"sentiment":"neutral","sentiment_score":0.27503121091109334,"num_words":33,"start":572.79,"end":584.795},{"sentences":[{"text":"But that'll make a big difference, obviously, to my Subaru.","start":584.795,"end":589.435,"sentiment":"positive","sentiment_score":0.434233570098877},{"text":"So and I'm thinking, you know, like, as I said, we've got I've got three to four years left.","start":589.435,"end":594.12,"sentiment":"neutral","sentiment_score":0.07804301979118272},{"text":"So it's just the way it is.","start":594.12,"end":596.44,"sentiment":"neutral","sentiment_score":0.10520296118089131},{"text":"I just looked at my my leave the other day.","start":596.44,"end":599.16,"sentiment":"neutral","sentiment_score":-0.002639206126332283},{"text":"I've got fifty two weeks leave sitting there, so I'm I've got a full gear that I can take off if I want to just in just in leave sort of thing.","start":599.16,"end":608.885,"sentiment":"neutral","sentiment_score":-0.0037049591574032092}],"sentiment":"neutral","sentiment_score":0.08226439808958019,"num_words":78,"start":584.795,"end":608.885},{"sentences":[{"text":"But if I don't get a chance to take that, they've gotta pay me out for all that as well too.","start":608.885,"end":613.205,"sentiment":"neutral","sentiment_score":-0.10291816773159164},{"text":"So I've got to I've got to then work out the the best way tax wise, which I'm guessing if I go into August, that's a whole fresh year that they can all the tax can come out for that fresh year.","start":613.205,"end":626.25995,"sentiment":"neutral","sentiment_score":0.15756935188740803},{"text":"So, you know, that's what I'm I'm sort of thinking on.","start":626.25995,"end":630.585,"sentiment":"neutral","sentiment_score":0.057096689600836144},{"text":"I just I just don't know that I'm gonna get a chance to use all this suit all this leave.","start":630.965,"end":636.405,"sentiment":"neutral","sentiment_score":0.04038854409009218},{"text":"They're trying to they're trying to get me to to take it, but then every time something, you know, get a chance to go or take some time off, something comes up and and it's sort of just a bit hard to get away sort of thing.","start":636.405,"end":647.86,"sentiment":"neutral","sentiment_score":-0.11223280342652443}],"sentiment":"neutral","sentiment_score":0.0043796025763979144,"num_words":141,"start":608.885,"end":647.86},{"sentences":[{"text":"So, anyway, that's about yeah.","start":647.86,"end":654.82,"sentiment":"neutral","sentiment_score":0.05218951217830181},{"text":"Yeah.","start":654.82,"end":655.245,"sentiment":"neutral","sentiment_score":0.06548789888620377},{"text":"Yeah.","start":659.325,"end":659.725,"sentiment":"neutral","sentiment_score":0.06696117669343948},{"text":"Yeah.","start":659.725,"end":659.96497,"sentiment":"neutral","sentiment_score":0.07036697864532471},{"text":"Well, that's what I'm trying.","start":659.96497,"end":660.845,"sentiment":"neutral","sentiment_score":0.07447941750288009}],"sentiment":"neutral","sentiment_score":0.06432005404852904,"num_words":13,"start":647.86,"end":660.845},{"sentences":[{"text":"Just trying to work out, like, whether I've got three three or sort of four four years that I'll sort of work it out to to push it out to.","start":660.845,"end":669.40497,"sentiment":"neutral","sentiment_score":0.03984533480058114},{"text":"You know?","start":669.40497,"end":669.985,"sentiment":"neutral","sentiment_score":0.01717884372919798},{"text":"So anyway.","start":670.445,"end":673.0,"sentiment":"neutral","sentiment_score":0.0830504298210144},{"text":"So that's alright.","start":673.0,"end":673.98,"sentiment":"neutral","sentiment_score":0.13659426321585974},{"text":"Okay.","start":674.04,"end":674.44,"sentiment":"neutral","sentiment_score":0.14000394940376282}],"sentiment":"neutral","sentiment_score":0.05120014026761055,"num_words":38,"start":660.845,"end":674.44},{"sentences":[{"text":"No.","start":674.44,"end":674.68,"sentiment":"neutral","sentiment_score":0.08604815602302551},{"text":"That sounds good, mate.","start":674.68,"end":675.63995,"sentiment":"positive","sentiment_score":0.41240180656313896},{"text":"Thank you.","start":675.63995,"end":676.3,"sentiment":"positive","sentiment_score":0.7333550155162811},{"text":"Yep.","start":681.56,"end":682.06,"sentiment":"neutral","sentiment_score":0.08222471922636032},{"text":"Yeah.","start":686.925,"end":687.16504,"sentiment":"neutral","sentiment_score":0.021861128509044647}],"sentiment":"positive","sentiment_score":0.3673834734492832,"num_words":9,"start":674.44,"end":687.16504},{"sentences":[{"text":"Yeah.","start":687.16504,"end":687.325,"sentiment":"neutral","sentiment_score":0.019434478133916855},{"text":"Yeah.","start":687.325,"end":687.565,"sentiment":"neutral","sentiment_score":0.017394380643963814},{"text":"Yep.","start":687.565,"end":687.885,"sentiment":"neutral","sentiment_score":0.017289292067289352},{"text":"No.","start":687.885,"end":688.205,"sentiment":"neutral","sentiment_score":-0.03908427804708481},{"text":"There won't be any there won't yeah.","start":688.205,"end":692.365,"sentiment":"neutral","sentiment_score":-0.036465048656931946}],"sentiment":"neutral","sentiment_score":-0.021838315254585308,"num_words":11,"start":687.16504,"end":692.365},{"sentences":[{"text":"That's right.","start":692.365,"end":692.765,"sentiment":"neutral","sentiment_score":0.11490767449140549},{"text":"There won't be any rush or anything like that.","start":692.765,"end":694.525,"sentiment":"neutral","sentiment_score":0.007955901324748993},{"text":"So, I mean, even if you don't get it done by tomorrow, don't fuss too much.","start":694.525,"end":698.365,"sentiment":"neutral","sentiment_score":0.047920712269842625},{"text":"Like, we're working on work in progress.","start":698.365,"end":705.16,"sentiment":"neutral","sentiment_score":0.1882717971290861},{"text":"Yes.","start":715.695,"end":716.09503,"sentiment":"neutral","sentiment_score":0.030666645616292953}],"sentiment":"neutral","sentiment_score":0.06904911664979799,"num_words":35,"start":692.365,"end":716.09503},{"sentences":[{"text":"Yeah.","start":716.09503,"end":716.575,"sentiment":"neutral","sentiment_score":0.02749680168926716},{"text":"Yeah.","start":716.575,"end":717.075,"sentiment":"neutral","sentiment_score":0.02103217877447605},{"text":"Well, I'm I'm on the 95 I'm on the 95% of wage now.","start":720.255,"end":725.075,"sentiment":"neutral","sentiment_score":0.009451945777982473},{"text":"Hopefully, the end of this month, when I go and see the doctor again, I'll be able to add another couple of hours.","start":726.33,"end":732.35,"sentiment":"neutral","sentiment_score":0.20337845903375876},{"text":"I'm thinking in the next three to four months, hopefully, I might be back to full time, so that'll be good.","start":734.01,"end":740.885,"sentiment":"neutral","sentiment_score":0.14552841051703408}],"sentiment":"neutral","sentiment_score":0.1339865331222319,"num_words":59,"start":716.09503,"end":740.885},{"sentences":[{"text":"Well, if if we work on what we got now at the 95, I can send you a well, I can't actually because I'm I'm arguing with them about what they're doing with my at the moment.","start":758.0,"end":768.615,"sentiment":"neutral","sentiment_score":-0.09604915327115639},{"text":"They're all over the place.","start":768.615,"end":770.135,"sentiment":"neutral","sentiment_score":-0.18029798567295074},{"text":"Once once it settles down, I can send you a copy of the the payslip, which shows you what I'll be getting, and we can we can look at that.","start":770.135,"end":778.615,"sentiment":"neutral","sentiment_score":0.07371397502720356},{"text":"Because virtually, once once I'm I'm back full time, it'll only be a bonus.","start":778.615,"end":783.63,"sentiment":"neutral","sentiment_score":0.06548134077872549},{"text":"There'll be just extra money there with that I don't know whether we can, you know, change it down the track or whatever, but we can up it all or whatever.","start":783.63,"end":792.67,"sentiment":"neutral","sentiment_score":0.004120935355463336}],"sentiment":"neutral","sentiment_score":-0.010251295569742847,"num_words":117,"start":758.0,"end":792.67},{"sentences":[{"text":"So Yeah.","start":792.67,"end":799.775,"sentiment":"neutral","sentiment_score":0.13741271197795868},{"text":"Yeah.","start":804.23505,"end":804.73505,"sentiment":"neutral","sentiment_score":0.1955885887145996},{"text":"Well, actually, what I can do what I can do is send you a copy of when things were working okay.","start":806.875,"end":815.45,"sentiment":"neutral","sentiment_score":0.08786324571285929},{"text":"So that that that just shouldn't change from that.","start":816.23,"end":819.27,"sentiment":"neutral","sentiment_score":0.030888076043791242},{"text":"So, anyway, I'll I'll do that tomorrow.","start":819.27,"end":822.07,"sentiment":"neutral","sentiment_score":0.09883408035550799}],"sentiment":"neutral","sentiment_score":0.08213433548808098,"num_words":40,"start":792.67,"end":822.07},{"sentences":[{"text":"I'll send that off to you.","start":822.07,"end":823.37,"sentiment":"neutral","sentiment_score":0.13082547610004744},{"text":"Alright, mate.","start":826.07,"end":826.89,"sentiment":"neutral","sentiment_score":0.12710501998662949},{"text":"Yeah.","start":830.365,"end":830.865,"sentiment":"neutral","sentiment_score":0.03619910031557083},{"text":"Yep.","start":831.565,"end":832.065,"sentiment":"neutral","sentiment_score":0.04029760882258415},{"text":"Well, if we do that, we're we're safe right now if if we work on that now.","start":832.52496,"end":837.325,"sentiment":"neutral","sentiment_score":0.047453525640508705}],"sentiment":"neutral","sentiment_score":0.07119887191112395,"num_words":27,"start":822.07,"end":837.325},{"sentences":[{"text":"And then, like, as I said, when when I'm back full time, well, it's only gonna get more be more.","start":837.325,"end":841.325,"sentiment":"neutral","sentiment_score":0.025914302747696637},{"text":"So, you know but yes.","start":841.325,"end":846.53,"sentiment":"neutral","sentiment_score":0.035802983492612836},{"text":"Yeah.","start":846.53,"end":847.03,"sentiment":"neutral","sentiment_score":0.06800833344459534},{"text":"Yeah.","start":852.77,"end":853.17004,"sentiment":"neutral","sentiment_score":0.0617363378405571},{"text":"Exactly.","start":853.17004,"end":853.65,"sentiment":"neutral","sentiment_score":0.07718300819396973}],"sentiment":"neutral","sentiment_score":0.0322938804248614,"num_words":28,"start":837.325,"end":853.65},{"sentences":[{"text":"Yeah.","start":853.65,"end":853.81,"sentiment":"neutral","sentiment_score":0.06300270557403564},{"text":"Yeah.","start":853.81,"end":854.05,"sentiment":"neutral","sentiment_score":0.06187427043914795},{"text":"That's what I'm sort of thinking.","start":854.05,"end":855.41003,"sentiment":"neutral","sentiment_score":0.04227597111215194},{"text":"So, yeah.","start":855.41003,"end":856.935,"sentiment":"neutral","sentiment_score":0.3086199462413788},{"text":"Alright.","start":856.935,"end":857.435,"sentiment":"positive","sentiment_score":0.40536487102508545}],"sentiment":"neutral","sentiment_score":0.12737614238126713,"num_words":11,"start":853.65,"end":857.435},{"sentences":[{"text":"Okay.","start":864.135,"end":864.455,"sentiment":"neutral","sentiment_score":0.2002883404493332},{"text":"No worries.","start":864.455,"end":864.935,"sentiment":"neutral","sentiment_score":0.3088682293891907},{"text":"Thank you very much.","start":864.935,"end":865.655,"sentiment":"positive","sentiment_score":0.6461904048919678},{"text":"Thanks for your time too staying back and whatever.","start":865.655,"end":867.895,"sentiment":"neutral","sentiment_score":0.3135066346989738},{"text":"So I think Harry did have a question for you about hers.","start":867.895,"end":883.39996,"sentiment":"neutral","sentiment_score":0.028247394133359194}],"sentiment":"neutral","sentiment_score":0.2344041021673807,"num_words":28,"start":864.135,"end":883.39996},{"sentences":[{"text":"Did you wanna talk to her now or to organize a time?","start":887.775,"end":890.675,"sentiment":"neutral","sentiment_score":0.051617766420046486},{"text":"Okay.","start":900.27,"end":900.67,"sentiment":"neutral","sentiment_score":0.05527492985129357},{"text":"Just give me five secs.","start":900.67,"end":901.63,"sentiment":"neutral","sentiment_score":0.024407197162508963},{"text":"I'll see if she wants to ask you.","start":901.63,"end":902.91003,"sentiment":"neutral","sentiment_score":0.0014124781591817737},{"text":"Because I I I know she's the same.","start":902.91003,"end":904.83,"sentiment":"neutral","sentiment_score":-0.07603940274566412}],"sentiment":"neutral","sentiment_score":0.0058737857650746315,"num_words":34,"start":887.775,"end":904.83},{"sentences":[{"text":"She's she's having she's trying to work out what's going on with the payslips as well, so I don't know whether she's right.","start":904.83,"end":911.09,"sentiment":"neutral","sentiment_score":-0.07795417258698169},{"text":"Dana's just saying, did you wanna talk to her about anything?","start":911.79,"end":914.53,"sentiment":"neutral","sentiment_score":-0.0029731575738299976},{"text":"Did you wanna ask her about that?","start":915.05505,"end":916.41504,"sentiment":"neutral","sentiment_score":-0.008896744676998683},{"text":"Well, I'm gonna probably be booked for you next week.","start":916.41504,"end":918.91504,"sentiment":"neutral","sentiment_score":0.07559659481048583},{"text":"Yeah.","start":919.05505,"end":919.29504,"sentiment":"neutral","sentiment_score":0.10029389709234238}],"sentiment":"neutral","sentiment_score":-0.019839770583740365,"num_words":52,"start":904.83,"end":919.29504},{"sentences":[{"text":"She got an appointment next week, Dana.","start":919.29504,"end":920.815,"sentiment":"neutral","sentiment_score":0.11586960830858775},{"text":"So she said that'll be fine.","start":920.815,"end":922.275,"sentiment":"neutral","sentiment_score":0.08769224459926288},{"text":"Yeah.","start":923.05505,"end":923.215,"sentiment":"neutral","sentiment_score":-0.03866191953420639},{"text":"It's hopefully, then she'll be able to sort out what's what's happening as well.","start":923.215,"end":927.61505,"sentiment":"neutral","sentiment_score":0.04546997609681317},{"text":"So alright.","start":927.61505,"end":929.67,"sentiment":"neutral","sentiment_score":0.17475885525345802}],"sentiment":"neutral","sentiment_score":0.07615587273612619,"num_words":30,"start":919.29504,"end":929.67},{"sentences":[{"text":"Alrighty o.","start":932.77,"end":933.41003,"sentiment":"neutral","sentiment_score":0.21660586446523666},{"text":"No worries.","start":933.41003,"end":933.97003,"sentiment":"neutral","sentiment_score":0.16772833466529846},{"text":"Well, thank you very much for that.","start":933.97003,"end":935.17,"sentiment":"positive","sentiment_score":0.43225431016513277},{"text":"Appreciate it.","start":935.17,"end":936.15,"sentiment":"positive","sentiment_score":0.5023699402809143},{"text":"I like yeah.","start":942.285,"end":943.597,"sentiment":"neutral","sentiment_score":-0.12074861427148183}],"sentiment":"neutral","sentiment_score":0.27730891294777393,"num_words":16,"start":932.77,"end":943.597},{"sentences":[{"text":"I don't know.","start":943.597,"end":943.64496,"sentiment":"neutral","sentiment_score":-0.17200804750124613},{"text":"It's just things happening and whatever.","start":943.64496,"end":945.505,"sentiment":"neutral","sentiment_score":-0.15690675129493079},{"text":"And I I I know ours is all new.","start":946.045,"end":948.925,"sentiment":"neutral","sentiment_score":-0.11580121517181396},{"text":"Like, they've had a lot of changes within the system sort of thing, but, yeah, I just I don't get what's happening because it's just one minute I'm I'm getting it taken out.","start":948.925,"end":959.51,"sentiment":"neutral","sentiment_score":-0.154572417112914},{"text":"Next minute, they're paying me and all this sort of stuff.","start":959.51,"end":961.83,"sentiment":"neutral","sentiment_score":-0.24218704348260706}],"sentiment":"neutral","sentiment_score":-0.16555843273958853,"num_words":62,"start":943.597,"end":961.83},{"sentences":[{"text":"And I'm I'm just trying to get them to catch up so that I don't owe them any money.","start":961.83,"end":965.77,"sentiment":"neutral","sentiment_score":-0.23159292104997134},{"text":"Once once once I do that, I'll be happy, and hopefully, things will settle down.","start":966.55005,"end":970.63,"sentiment":"neutral","sentiment_score":0.021695116038123765},{"text":"But I think it's just a matter of the girls, the new girls that are in the in the pay payroll area.","start":970.63,"end":977.685,"sentiment":"neutral","sentiment_score":-0.11840295588428323},{"text":"They're they're having troubles getting their head around some things, I think.","start":977.685,"end":980.825,"sentiment":"neutral","sentiment_score":-0.24382872382799783},{"text":"And that's not that's not their fault.","start":981.765,"end":983.205,"sentiment":"neutral","sentiment_score":-0.0830071179994515}],"sentiment":"neutral","sentiment_score":-0.1358226440101862,"num_words":75,"start":961.83,"end":983.205},{"sentences":[{"text":"That's council's fault for not trying to do it properly.","start":983.205,"end":985.465,"sentiment":"neutral","sentiment_score":-0.2547673285007477},{"text":"You know, like, they've just been thrown in at the deep end.","start":985.92,"end":988.24,"sentiment":"neutral","sentiment_score":-0.1343779768794775},{"text":"Put it that way.","start":988.24,"end":989.22,"sentiment":"neutral","sentiment_score":-0.019370208028703928},{"text":"You know?","start":989.92,"end":990.64,"sentiment":"neutral","sentiment_score":0.0013494240120053291},{"text":"Anyway, that's beside the point.","start":990.64,"end":992.32,"sentiment":"neutral","sentiment_score":0.010358128510415555}],"sentiment":"neutral","sentiment_score":-0.12676364694242226,"num_words":33,"start":983.205,"end":992.32},{"sentences":[{"text":"So Alright.","start":992.32,"end":994.42,"sentiment":"neutral","sentiment_score":0.14572527632117271},{"text":"Not a problem, mate.","start":1001.71497,"end":1002.855,"sentiment":"positive","sentiment_score":0.6095540225505829},{"text":"Thank you very much, and you have drive safely home.","start":1002.915,"end":1005.65497,"sentiment":"positive","sentiment_score":0.7630745768547058},{"text":"Righto.","start":1008.915,"end":1009.39496,"sentiment":"positive","sentiment_score":0.40757691860198975},{"text":"Thanks, Anna.","start":1009.39496,"end":1010.195,"sentiment":"positive","sentiment_score":0.5502307116985321}],"sentiment":"positive","sentiment_score":0.6246553028100416,"num_words":19,"start":992.32,"end":1010.195},{"sentences":[{"text":"See you.","start":1010.195,"end":1010.935,"sentiment":"positive","sentiment_score":0.3605916202068329}],"sentiment":"positive","sentiment_score":0.3605916202068329,"num_words":2,"start":1010.195,"end":1010.935}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Are you there?\n\nChannel 0: Hi, Carl. Can you hear me okay?\n\nChannel 1: Yeah. I\n\nChannel 0: Hello?\n\nChannel 1: think so.\n\nChannel 0: Yeah.\n\nChannel 1: I don't\n\nChannel 0: You've\n\nChannel 1: know what's\n\nChannel 0: got me?\n\nChannel 1: I've I've got you now.\n\nChannel 0: Perfect. Perfect. So sorry about that. I'm not sure\n\nChannel 1: No.\n\nChannel 0: what\n\nChannel 1: No. It's\n\nChannel 0: happened.\n\nChannel 1: not your fault. I don't know what was going on there.\n\nChannel 0: Love that technology when it wants to work.\n\nChannel 1: Ain't it ain't it good? Ain't it good?\n\nChannel 0: All good. I thought I'd try to give you a call tonight to have a chat about the quotes there. Before we\n\nChannel 1: Yep.\n\nChannel 0: jump into\n\nChannel 1: Yep.\n\nChannel 0: the call, I do just have to do security and confirm that we record our calls for quality and training purposes. You're happy for me to proceed with that?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Lovely. And just the security as normal, just your full name, date of birth, and address I should have on file?\n\nChannel 1: Colin John Andrews,\n\nChannel 0: Yep.\n\nChannel 1: 10 MacArthur Street, Moree, New\n\nChannel 0: Yep.\n\nChannel 1: South Wales 2400.\n\nChannel 0: Perfect. Perfect. So I've got the quotes here in front of me. When\n\nChannel 1: Yep.\n\nChannel 0: you kinda wrote back, you said that you were talking to Carrie about it, and you were thinking about dropping the life and TPD altogether, get rid of the cost, and save the money. Is that sort of where your head's\n\nChannel 1: Well,\n\nChannel 0: at\n\nChannel 1: that's\n\nChannel 0: at the moment? What are you\n\nChannel 1: that's,\n\nChannel 0: thinking?\n\nChannel 1: yeah, that's sort of what I'm looking at, mate. I think I I I'm just here and there with with the insurance in any case.\n\nChannel 0: Yep.\n\nChannel 1: And looking at that, I don't know whether it's it's correct, but does it finish with Nios Nios or whatever? Does it finish at 72 going on the on wait. Wait. One, two, three on page four, it would be. We've got the list of planned projections.\n\nChannel 0: Yep. I'm just having a quick look at the PDF for you because\n\nChannel 1: Yep.\n\nChannel 0: that is kind of where I go for all this stuff.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So with TBD, with Neos, the TBD expiry so once you hit age six sixty five\n\nChannel 1: Six. Sorry. What was that?\n\nChannel 0: no. You're right. Sorry. I'm just having a quick look\n\nChannel 1: Yeah.\n\nChannel 0: at the\n\nChannel 1: Yeah.\n\nChannel 0: PDF.\n\nChannel 1: You're alright.\n\nChannel 0: It's\n\nChannel 1: Sorry.\n\nChannel 0: telling me no. You're fine. It's the premium type. So the policy should be right, I believe, until age 70. But at a certain point, it reverts to perfect.\n\nExpiry age. Easy. So the plan anniversary after the insured turns 80 when it's held inside so far. So you\n\nChannel 1: So\n\nChannel 0: actually\n\nChannel 1: guys\n\nChannel 0: can hold you actually can hold the TBD up until the age of 80 when held\n\nChannel 1: Okay.\n\nChannel 0: inside sofa. However, with TBD, at a certain point, it that's to a different type\n\nChannel 1: Yep.\n\nChannel 0: of cover. So at the moment, you have an any occupation definition. With TBD, at a certain point, it turns into a point where you have it sort of becomes like an ADL definition. So activities of daily living where you have\n\nChannel 1: Right.\n\nChannel 0: to be able to not be able to feed yourself, feed yourself, things like that.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: you normally\n\nChannel 1: it's not so much a work thing. It's more of a health thing.\n\nChannel 0: yeah.\n\nChannel 1: As in\n\nChannel 0: And\n\nChannel 1: yeah.\n\nChannel 0: there's a certain point\n\nChannel 1: You can't\n\nChannel 0: when that comes up.\n\nChannel 1: yep.\n\nChannel 0: I'm\n\nChannel 1: Yeah.\n\nChannel 0: just running through the PDF for you\n\nChannel 1: Yeah.\n\nChannel 0: to have\n\nChannel 1: No.\n\nChannel 0: a look.\n\nChannel 1: That's\n\nChannel 0: It's\n\nChannel 1: alright.\n\nChannel 0: normally\n\nChannel 1: That's\n\nChannel 0: around\n\nChannel 1: alright.\n\nChannel 0: about age sort of 74 to 75 that that sorta comes, but I'm happy to confirm that for you. But these do get more expensive as you get older, and now they\n\nChannel 1: Yeah.\n\nChannel 0: are\n\nChannel 1: Of\n\nChannel 0: sorta\n\nChannel 1: course.\n\nChannel 0: costing $14,000.\n\nChannel 1: Yeah.\n\nChannel 0: It is quite a lot. So\n\nChannel 1: Well, that's it. Looking at 72 there. I'm paying 28 20\n\nChannel 0: Yeah.\n\nChannel 1: $8,300 sort of thing. Yeah. I'm just I'm just thinking we've we've had a bit of a talk, and\n\nChannel 0: Yeah.\n\nChannel 1: and and we're virtually thinking I mean, if if I die I mean, it probably sounds odd from your end, but we just think that, you know, if I if I die, I don't get the benefit anyway. It's all for Carrie and same for her. If it's if she passes it to the benefits for me.\n\nChannel 0: Yeah.\n\nChannel 1: And that's\n\nChannel 0: Yep.\n\nChannel 1: great. That's great,\n\nChannel 0: Yeah.\n\nChannel 1: you know, to have that. But when you're paying out so much over a certain amount of time, and, I mean, if it cuts off at a certain date and we live past a certain date, we spend all that money for nothing. And it's a risk\n\nChannel 0: Yep.\n\nChannel 1: you take.\n\nChannel 0: Yeah. That\n\nChannel 1: All\n\nChannel 0: is.\n\nChannel 1: insurance is. Right?\n\nChannel 0: Yeah.\n\nChannel 1: I get that.\n\nChannel 0: Yeah.\n\nChannel 1: I get it.\n\nChannel 0: Definitely.\n\nChannel 1: But we're just, you know, we're just thinking, well, the way things are, we well, I'd be better off. Kerry hasn't made a decision on hers or anything, but\n\nChannel 0: Yep.\n\nChannel 1: I'm just thinking that, you know, the risk is the risk that you take anyway. And I just think that that money would be better off in earning money for my super,\n\nChannel 0: Yes.\n\nChannel 1: which Terry's\n\nChannel 0: Yep.\n\nChannel 1: gonna get anyway. I mean, it's not I know it's not gonna be the the same, but I just think that extra $14 on my super is gonna make, you know, a hell of a difference to to the outcome of the super. So\n\nChannel 0: Yeah. Would you like me\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: just\n\nChannel 0: maybe look at another option for you? Do you want me just to see what it would cost if we looked at just canceling the TPD and kept the life cover in place?\n\nChannel 1: We're still looking at a fair amount, though, aren't we? Like\n\nChannel 0: Well, I mean, how how about the quote?\n\nChannel 1: where\n\nChannel 0: So\n\nChannel 1: are we? I'm\n\nChannel 0: for\n\nChannel 1: looking at\n\nChannel 0: the new premium\n\nChannel 1: quote one.\n\nChannel 0: yeah. So it did sort of if we're looking at reducing\n\nChannel 1: So\n\nChannel 0: the life,\n\nChannel 1: it's 8\n\nChannel 0: the\n\nChannel 1: thousand\n\nChannel 0: premium for the TPD is the biggest cost. So with your current policy, the life and TPD, the TBD policy is the 9,390 and 58¢. So your life policy, if you just\n\nChannel 1: Hang\n\nChannel 0: kept\n\nChannel 1: on.\n\nChannel 0: that, reduces it down to about 5,000 under the current part of the quote here, and that's without\n\nChannel 1: Which one are we\n\nChannel 0: reducing\n\nChannel 1: looking\n\nChannel 0: the policy. It's on either quote, but it's the first page, and you're looking at the current\n\nChannel 1: at?\n\nChannel 0: policy, which is the it's a highlighted section.\n\nChannel 1: Which the second page, is it?\n\nChannel 0: Yeah. So the first page of the quote's got all your details. The second page has got your current quote and the new premium for the reduction.\n\nChannel 1: You're in fourth quote. Yep.\n\nChannel 0: Yep. Yep. And you'll see. So you've got your super, your attached TBD, and your life policy underneath that. The next column has\n\nChannel 1: Yep.\n\nChannel 0: your sum insured, and the following one has your premiums.\n\nChannel 1: Yep.\n\nChannel 0: The total is at 14,000. But if you look at the top part of the premium, that's\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Gotcha.\n\nChannel 0: premium\n\nChannel 1: Okay.\n\nChannel 0: for the\n\nChannel 1: Yeah.\n\nChannel 0: tax\n\nChannel 1: So\n\nChannel 0: TBD.\n\nChannel 1: it's 9,\n\nChannel 0: Yeah.\n\nChannel 1: and it come back comes back to $5.03.\n\nChannel 0: Yeah. Yeah. And, I mean,\n\nChannel 1: Right.\n\nChannel 0: having a look at your age, you're over 60 now. So if you were TBD, if you were not able to work, you could access your super.\n\nChannel 1: That's it. It\n\nChannel 0: So\n\nChannel 1: wouldn't matter.\n\nChannel 0: yeah. And then you could keep that life policy and just keep that in the event that something happens to Carrie, and that still gives her, you know, the $343.06 $6.07.\n\nChannel 1: Yeah.\n\nChannel 0: You're still paying $5 for the\n\nChannel 1: Yeah.\n\nChannel 0: life policy,\n\nChannel 1: No. That's a lot\n\nChannel 0: but\n\nChannel 1: that's a\n\nChannel 0: it is\n\nChannel 1: that is a lot better. That's a\n\nChannel 0: it is\n\nChannel 1: that's\n\nChannel 0: a lot\n\nChannel 1: a\n\nChannel 0: better. Yeah. Yeah.\n\nChannel 1: big difference.\n\nChannel 0: Yeah.\n\nChannel 1: Just hang on just hang on for a second, Dana, or I'll just\n\nChannel 0: Yeah. You're\n\nChannel 1: talk\n\nChannel 0: right.\n\nChannel 1: to Carrie about that just so we can\n\nChannel 0: Absolutely.\n\nChannel 1: we can continue on because I'm we just make decisions together. That's all.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: Now Dana's just saying what we could do is reduce it, take out the TPD, and just keep the life cover, which is the 5,300 as a yearly thing instead of the 14,000. And then that way then that way then you still get the big benefit of that. Yes. If she thinks get her. Whatever she thinks is probably the best thing.\n\nWell, that's it. That's not a decision. It's a sad decision.\n\nChannel 0: Yeah. It it is technically your decision. I love the way your wife thinks that, but\n\nChannel 1: Yeah.\n\nChannel 0: it is\n\nChannel 1: Yeah.\n\nChannel 0: technically\n\nChannel 1: Oh, yeah.\n\nChannel 0: your\n\nChannel 1: Yeah.\n\nChannel 0: decision.\n\nChannel 1: I get it. I get it. Yeah.\n\nChannel 0: But yeah. I mean, look, you could look at that.\n\nChannel 1: Well, that's\n\nChannel 0: Do you want\n\nChannel 1: you\n\nChannel 0: me to\n\nChannel 1: know,\n\nChannel 0: get\n\nChannel 1: If you\n\nChannel 0: a\n\nChannel 1: look at that,\n\nChannel 0: quote?\n\nChannel 1: that's another $10 at you know, in the\n\nChannel 0: Yeah.\n\nChannel 1: in the super anyway.\n\nChannel 0: Absolutely.\n\nChannel 1: Plus\n\nChannel 0: And,\n\nChannel 1: then\n\nChannel 0: I mean,\n\nChannel 1: we've still\n\nChannel 0: these policies\n\nChannel 1: and then\n\nChannel 0: yeah.\n\nChannel 1: we've still\n\nChannel 0: Correct.\n\nChannel 1: got the yeah. We've still got the $3.43 for the 5.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Yeah. I'm\n\nChannel 0: And, I mean, if you looked at you could even look at reducing the life cover down a little bit just to kind of maybe bring it down to the $2.50 or 2 because how much do you guys owe on the mortgage? You don't owe very much, do you?\n\nChannel 1: just $5,455,000, I think, was the last\n\nChannel 0: Yeah.\n\nChannel 1: statement.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep. So, realistically,\n\nChannel 1: so we\n\nChannel 0: I\n\nChannel 1: could\n\nChannel 0: mean,\n\nChannel 1: if\n\nChannel 0: you\n\nChannel 1: we\n\nChannel 0: could\n\nChannel 1: could\n\nChannel 0: could\n\nChannel 1: we could\n\nChannel 0: reduce\n\nChannel 1: we\n\nChannel 0: the\n\nChannel 1: probably\n\nChannel 0: life cover\n\nChannel 1: look\n\nChannel 0: down.\n\nChannel 1: at, say, $2.50 or 300?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Somewhere\n\nChannel 0: And\n\nChannel 1: around that\n\nChannel 0: then\n\nChannel 1: or something.\n\nChannel 0: yeah. Absolutely. I can get a quote for both of those and send it through to you so you can see the difference if we cancel\n\nChannel 1: Yeah.\n\nChannel 0: the TBD and just retain the life. Maybe have it at, you know, 250 and 300,000 for the life cover, what the premium looks like currently.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And then your sleep is paid out on top of that to carry as well. So,\n\nChannel 1: Yeah. It's\n\nChannel 0: you\n\nChannel 1: right\n\nChannel 0: know,\n\nChannel 1: there.\n\nChannel 0: with two\n\nChannel 1: Yep.\n\nChannel 0: 50, that covers the mortgage. You can set the 200,000 of life plus your 300 and 300 of thousand inside\n\nChannel 1: Yeah.\n\nChannel 0: so\n\nChannel 1: Yeah.\n\nChannel 0: far.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Alright. No. That\n\nChannel 0: I\n\nChannel 1: sounds\n\nChannel 0: can\n\nChannel 1: good.\n\nChannel 0: get a quote for that for you tomorrow. It'll be nice if you get a quote. As soon as I get it through, I'll email it to you\n\nChannel 1: Yeah.\n\nChannel 0: so\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: That's\n\nChannel 0: can\n\nChannel 1: fine.\n\nChannel 0: mail it over. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: No worries. And and, yeah, that's because I mean, $10, that's a big savings, you know,\n\nChannel 0: Yeah.\n\nChannel 1: like or 10 or more or whatever, but we'll\n\nChannel 0: Yep.\n\nChannel 1: see what it is. But\n\nChannel 0: Yeah.\n\nChannel 1: that'll make a big difference, obviously, to my Subaru. So and\n\nChannel 0: Absolutely.\n\nChannel 1: I'm thinking, you know, like, as I said, we've got I've got three to four years left. So\n\nChannel 0: Yeah.\n\nChannel 1: it's just the\n\nChannel 0: Definitely.\n\nChannel 1: way it is. I just looked at my my leave the other day. I've got fifty two weeks leave sitting there, so I'm I've got a full gear that I can take off if I want to just\n\nChannel 0: Yeah.\n\nChannel 1: in just\n\nChannel 0: Wow.\n\nChannel 1: in leave sort of thing. But if I don't get a chance to take that, they've gotta pay me out for all that as well too. So I've\n\nChannel 0: Yeah.\n\nChannel 1: got to\n\nChannel 0: Yep.\n\nChannel 1: I've got to then work out the the best way tax wise, which I'm guessing if I go into August, that's a whole fresh year that they can all the tax can come out for that fresh year. So,\n\nChannel 0: Yeah.\n\nChannel 1: you know, that's what I'm I'm sort of thinking on. I just I just don't know that I'm gonna get a chance to use all this suit all this leave. They're trying to they're trying to get me to to take it, but then every time something, you know, get a chance to go or take some time off, something comes up and and it's sort of just a bit hard to get away sort of thing. So,\n\nChannel 0: Yeah.\n\nChannel 1: anyway,\n\nChannel 0: I mean,\n\nChannel 1: that's\n\nChannel 0: that's\n\nChannel 1: about\n\nChannel 0: okay. If you do happen to bank it out, we'll use it to our advantage. You can take some\n\nChannel 1: yeah.\n\nChannel 0: leave\n\nChannel 1: Yeah.\n\nChannel 0: before you retire, and we can we can we can take advantage of that for you.\n\nChannel 1: Yeah. Yeah. Well, that's what I'm trying. Just trying to work out, like, whether I've got three three or sort of four four years that I'll sort of work it out to to push it out to. You know?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: anyway. So that's alright. Okay.\n\nChannel 0: Yep.\n\nChannel 1: No.\n\nChannel 0: That's\n\nChannel 1: That\n\nChannel 0: okay.\n\nChannel 1: sounds good,\n\nChannel 0: Well,\n\nChannel 1: mate.\n\nChannel 0: I'll\n\nChannel 1: Thank you.\n\nChannel 0: perfect. I'll get those two quotes through to you probably tomorrow to make it nice and easier.\n\nChannel 1: Yep.\n\nChannel 0: I don't work on Friday, but if you have anything or have any additional questions, email me back, and I will\n\nChannel 1: Yeah.\n\nChannel 0: check\n\nChannel 1: Yeah.\n\nChannel 0: my\n\nChannel 1: Yeah.\n\nChannel 0: emails\n\nChannel 1: Yep.\n\nChannel 0: probably\n\nChannel 1: No.\n\nChannel 0: Friday\n\nChannel 1: There won't\n\nChannel 0: or\n\nChannel 1: be\n\nChannel 0: Monday,\n\nChannel 1: any\n\nChannel 0: and I can\n\nChannel 1: there\n\nChannel 0: call\n\nChannel 1: won't\n\nChannel 0: you and let you have a chat.\n\nChannel 1: yeah. That's right. There won't be any rush or anything like that.\n\nChannel 0: Yep.\n\nChannel 1: So, I mean,\n\nChannel 0: No.\n\nChannel 1: even\n\nChannel 0: That's\n\nChannel 1: if you\n\nChannel 0: okay.\n\nChannel 1: don't get it done by tomorrow, don't fuss too much. Like, we're\n\nChannel 0: It's\n\nChannel 1: working\n\nChannel 0: all good.\n\nChannel 1: on\n\nChannel 0: I will make it happen for you. I promise.\n\nChannel 1: work in\n\nChannel 0: The\n\nChannel 1: progress.\n\nChannel 0: the only other question I had, the pay slip you sent me was from July, and that was when you were sort of on full wages.\n\nChannel 1: Yes. Yeah. Yeah.\n\nChannel 0: Are you sort of back your wages gone up again now, or are you still on\n\nChannel 1: Well,\n\nChannel 0: sort\n\nChannel 1: I'm\n\nChannel 0: of part\n\nChannel 1: I'm on\n\nChannel 0: time\n\nChannel 1: the\n\nChannel 0: duty?\n\nChannel 1: 95 I'm on the 95%\n\nChannel 0: The 90\n\nChannel 1: of\n\nChannel 0: five\n\nChannel 1: wage\n\nChannel 0: still?\n\nChannel 1: now.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Hopefully, the end of this month, when I go and see the doctor again, I'll be able to add another couple of hours.\n\nChannel 0: Okay.\n\nChannel 1: I'm thinking in the next three to four months, hopefully, I might be back to full time, so\n\nChannel 0: Okay.\n\nChannel 1: that'll\n\nChannel 0: Did you\n\nChannel 1: be\n\nChannel 0: want\n\nChannel 1: good.\n\nChannel 0: me to yeah. Did you want me to with the the TTR strategy, look with updating the advice for you, did you want me to work on your income that you were earning back in July, or did you want me to maybe work on the income that you're earning now?\n\nChannel 1: Well, if if we work on what we got now at the 95, I can send you a well, I can't actually because I'm I'm arguing with them about what they're doing with my at the moment. They're all over the\n\nChannel 0: Okay.\n\nChannel 1: place. Once\n\nChannel 0: No.\n\nChannel 1: once\n\nChannel 0: That's\n\nChannel 1: it\n\nChannel 0: alright.\n\nChannel 1: settles down, I can send you a copy of the the payslip, which shows you what I'll be getting,\n\nChannel 0: Yep.\n\nChannel 1: and we can we can look at that. Because virtually, once once I'm I'm back full time, it'll only\n\nChannel 0: Yep.\n\nChannel 1: be a bonus. There'll be just extra money there with that\n\nChannel 0: Yeah.\n\nChannel 1: I don't know whether we can, you know, change it down the track or whatever, but\n\nChannel 0: Yeah.\n\nChannel 1: we\n\nChannel 0: We\n\nChannel 1: can up\n\nChannel 0: can.\n\nChannel 1: it all or\n\nChannel 0: Yeah.\n\nChannel 1: whatever.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. Absolutely. We can change that and alter it as as need to be. It's absolutely not a problem. Once\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Moving into TTR, we can roll it back and start again and do all sorts of fun things with\n\nChannel 1: Yeah.\n\nChannel 0: it, so there's no stress about that.\n\nChannel 1: Well, actually,\n\nChannel 0: So you're\n\nChannel 1: what\n\nChannel 0: still\n\nChannel 1: I can\n\nChannel 0: kind\n\nChannel 1: do\n\nChannel 0: of yeah?\n\nChannel 1: what I can do is send you a copy of when things were working okay.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: That'd\n\nChannel 1: that\n\nChannel 0: be\n\nChannel 1: that\n\nChannel 0: great.\n\nChannel 1: that just shouldn't change from that. So,\n\nChannel 0: Okay.\n\nChannel 1: anyway, I'll I'll do that tomorrow. I'll send that off to you.\n\nChannel 0: Perfect. Thank you so much for that, Cole. Just so I've got\n\nChannel 1: Alright,\n\nChannel 0: that to\n\nChannel 1: mate.\n\nChannel 0: work on, because I was having a bit of a look at the payslip, and I was like, I just wanna make sure this is what you want me\n\nChannel 1: Yeah.\n\nChannel 0: to work on\n\nChannel 1: Yep.\n\nChannel 0: because it is\n\nChannel 1: Well,\n\nChannel 0: a\n\nChannel 1: if\n\nChannel 0: bit\n\nChannel 1: we\n\nChannel 0: higher\n\nChannel 1: do that,\n\nChannel 0: than what you'd\n\nChannel 1: we're we're\n\nChannel 0: be making\n\nChannel 1: safe\n\nChannel 0: now.\n\nChannel 1: right now\n\nChannel 0: Yeah.\n\nChannel 1: if if we work on that now. And then, like, as\n\nChannel 0: Yep.\n\nChannel 1: I said, when when I'm back full time, well, it's only gonna get more be more. So,\n\nChannel 0: Yeah. Well,\n\nChannel 1: you know\n\nChannel 0: if I work on the new payslip based\n\nChannel 1: but\n\nChannel 0: on the 95%\n\nChannel 1: yes. Yeah.\n\nChannel 0: capacity now, as you said, you'll get you'll get the extra will be a bit of a bonus, and we can always change it down the track.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Exactly.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Yeah. That's what I'm sort of thinking.\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: If you can shoot me that payslip, that'd be fabulous, and I will get these quotes out to you tomorrow. Okay?\n\nChannel 1: Okay. No worries. Thank you very much. Thanks\n\nChannel 0: All\n\nChannel 1: for\n\nChannel 0: good.\n\nChannel 1: your time\n\nChannel 0: That's\n\nChannel 1: too\n\nChannel 0: okay.\n\nChannel 1: staying back and whatever. So\n\nChannel 0: Oh, not a problem. Anything for you guys. Not an issue at all. Is everything else okay? Do you guys have any other questions for me at the moment?\n\nOr\n\nChannel 1: I think Harry did have a question for you about\n\nChannel 0: yeah.\n\nChannel 1: hers.\n\nChannel 0: Absolutely.\n\nChannel 1: Did you wanna talk to her now or to organize\n\nChannel 0: I\n\nChannel 1: a time?\n\nChannel 0: I absolutely can. I do have it booked in next week. If she wants to to talk to me, then it's not a problem at all. Otherwise, if she's got time now and wants to talk to me now, I can make it now.\n\nChannel 1: Okay. Just give me five secs. I'll see if she\n\nChannel 0: Yeah.\n\nChannel 1: wants\n\nChannel 0: You're\n\nChannel 1: to ask\n\nChannel 0: right.\n\nChannel 1: you. Because I I I know she's the same. She's she's having she's trying to work out what's going on with the payslips as well, so I don't\n\nChannel 0: Okay.\n\nChannel 1: know whether she's right. Dana's just saying, did you wanna talk to her about anything? Did you wanna ask her about that? Well, I'm gonna probably be booked for you next week. Yeah.\n\nShe got an appointment next week, Dana. So she said that'll\n\nChannel 0: Yep.\n\nChannel 1: be fine.\n\nChannel 0: That's not\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: It's\n\nChannel 0: problem at all.\n\nChannel 1: hopefully, then she'll\n\nChannel 0: All\n\nChannel 1: be able\n\nChannel 0: good.\n\nChannel 1: to sort out what's what's happening as well. So\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: alright.\n\nChannel 0: That's not a problem at all. Easy done.\n\nChannel 1: Alrighty o. No worries. Well,\n\nChannel 0: No\n\nChannel 1: thank you very much for that. Appreciate it.\n\nChannel 0: problem at all. Carrie's having some trouble with the payslips now as well. This seems to be an employer thing, doesn't it?\n\nChannel 1: I like yeah. I don't know. It's just things happening and whatever. And\n\nChannel 0: Yeah.\n\nChannel 1: I I I know ours is all new. Like, they've had a lot of changes within the system\n\nChannel 0: Yeah.\n\nChannel 1: sort of thing, but, yeah, I just I don't get what's happening because it's just one\n\nChannel 0: Yeah.\n\nChannel 1: minute I'm I'm getting it taken out. Next minute, they're paying me and all this sort of stuff. And I'm I'm just trying to get them to catch up so that I don't owe them any money.\n\nChannel 0: Yeah. Theranos.\n\nChannel 1: Once once once I do that, I'll be happy, and hopefully,\n\nChannel 0: Yeah.\n\nChannel 1: things will settle down. But I think it's just a matter of the girls, the new girls that are in the in the pay payroll area. They're they're having troubles getting their head around some things, I think.\n\nChannel 0: Yeah. Right.\n\nChannel 1: And that's not that's\n\nChannel 0: Yeah.\n\nChannel 1: not their fault. That's council's fault for not trying to do it properly.\n\nChannel 0: Yeah.\n\nChannel 1: You know, like, they've just been thrown in at the deep end. Put it that way.\n\nChannel 0: Yep. Yep.\n\nChannel 1: You know?\n\nChannel 0: Yeah.\n\nChannel 1: Anyway, that's beside the point. So\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: All good. No worries at all. I'll get that out to you tomorrow. If there's anything else you need, let me know, and I'll talk to Carrie next week. Easy.\n\nChannel 1: Not a problem, mate. Thank you\n\nChannel 0: Easy.\n\nChannel 1: very much, and you have drive safely home.\n\nChannel 0: I will. Thank you so much, Carl. Talk to you soon.\n\nChannel 1: Righto. Thanks,\n\nChannel 0: Thanks.\n\nChannel 1: Anna.\n\nChannel 0: See\n\nChannel 1: See\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":-0.0004450101405382157},{"text":"Are you there?","start":2.1599998,"end":2.8999999,"sentiment":"neutral","sentiment_score":-0.001417304544399182}],"sentiment":"neutral","sentiment_score":-0.0011742309434339404,"channel":1,"num_words":4,"start":1.8399999,"end":2.8999999},{"sentences":[{"text":"Hi, Carl.","start":3.12,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.00999400857836008},{"text":"Can you hear me 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soon.","start":1007.355,"end":1008.335,"sentiment":"positive","sentiment_score":0.6327438503503799}],"sentiment":"positive","sentiment_score":0.6992924321781505,"channel":0,"num_words":11,"start":1005.755,"end":1008.335},{"sentences":[{"text":"Righto.","start":1008.915,"end":1009.39496,"sentiment":"positive","sentiment_score":0.40757691860198975},{"text":"Thanks,","start":1009.39496,"end":1009.795,"sentiment":"positive","sentiment_score":0.6612848043441772}],"sentiment":"positive","sentiment_score":0.5344308614730835,"channel":1,"num_words":2,"start":1008.915,"end":1009.795},{"sentences":[{"text":"Thanks.","start":1009.755,"end":1010.155,"sentiment":"positive","sentiment_score":0.7516756653785706}],"sentiment":"positive","sentiment_score":0.7516756653785706,"channel":0,"num_words":1,"start":1009.755,"end":1010.155},{"sentences":[{"text":"Anna.","start":1009.795,"end":1010.195,"sentiment":"positive","sentiment_score":0.43917661905288696}],"sentiment":"positive","sentiment_score":0.43917661905288696,"channel":1,"num_words":1,"start":1009.795,"end":1010.195},{"sentences":[{"text":"See","start":1010.155,"end":1010.395,"sentiment":"positive","sentiment_score":0.3506253659725189}],"sentiment":"positive","sentiment_score":0.3506253659725189,"channel":0,"num_words":1,"start":1010.155,"end":1010.395},{"sentences":[{"text":"See","start":1010.195,"end":1010.435,"sentiment":"positive","sentiment_score":0.426011860370636}],"sentiment":"positive","sentiment_score":0.426011860370636,"channel":1,"num_words":1,"start":1010.195,"end":1010.435},{"sentences":[{"text":"you","start":1010.395,"end":1010.475,"sentiment":"positive","sentiment_score":0.5055133700370789}],"sentiment":"positive","sentiment_score":0.5055133700370789,"channel":0,"num_words":1,"start":1010.395,"end":1010.475},{"sentences":[{"text":"you.","start":1010.435,"end":1010.935,"sentiment":"neutral","sentiment_score":0.2951713800430298}],"sentiment":"neutral","sentiment_score":0.2951713800430298,"channel":1,"num_words":1,"start":1010.435,"end":1010.935},{"sentences":[{"text":"later.","start":1010.475,"end":1010.875,"sentiment":"neutral","sentiment_score":0.22089487314224243},{"text":"Bye.","start":1010.875,"end":1011.375,"sentiment":"neutral","sentiment_score":-0.12702998518943787}],"sentiment":"neutral","sentiment_score":0.04693244397640228,"channel":0,"num_words":2,"start":1010.475,"end":1011.375}]},"summary":{"result":"success","short":"The agent discusses the customer's insurance policy and offers options for canceling and reducing premiums. They explain the benefits of the policy, including reduced premiums and retirement plans, and provide a quote for the customer's life cover. The agent also suggests working on income and possibly updating pay slip information. The conversation ends with the agent thanking the customer and sending a pay slip to the customer."},"intents":{"segments":[{"text":"I thought I'd try to give you a call tonight to have a chat about the quotes there. Before we Yep.","start_word":72,"end_word":92,"intents":[{"intent":"Obtain quotes","confidence_score":0.0037846484}]},{"text":"So with TBD, with Neos, the TBD expiry so once you hit age six sixty five Six. Sorry.","start_word":330,"end_word":347,"intents":[{"intent":"Organize policy discussion","confidence_score":0.000029570954}]},{"text":"It's all for Carrie and same for her. If it's if she passes it to the benefits for me. Yeah.","start_word":685,"end_word":704,"intents":[{"intent":"Provide benefits","confidence_score":0.00077587133}]},{"text":"And it's a risk Yep. you take. Yeah.","start_word":755,"end_word":762,"intents":[{"intent":"Address risk","confidence_score":0.0036339653}]},{"text":"Would you like me to I maybe just look at another option for you? Do you want me just to see what it would cost if we looked at just canceling the TPD and kept the life cover in place?","start_word":889,"end_word":928,"intents":[{"intent":"Discuss options","confidence_score":0.09778535}]},{"text":"We're still looking at a fair amount, though, aren't we?","start_word":929,"end_word":938,"intents":[{"intent":"Look at cost","confidence_score":0.003714407}]},{"text":"So with your current policy, the life and TPD, the TBD policy is the 9,390 and 58<unk>.","start_word":988,"end_word":1004,"intents":[{"intent":"Discuss policy details","confidence_score":0.05636535}]},{"text":"Now Dana's just saying what we could do is reduce it, take out the TPD, and just keep the life cover, which is the 5,300 as a yearly thing instead of the 14,000. And then that way then that way then you still get the big benefit of that. Yes.","start_word":1327,"end_word":1376,"intents":[{"intent":"Reduce tpd and retain life cover","confidence_score":0.057828356}]},{"text":"I can get a quote for both of those and send it through to you so you can see the difference if we cancel Yeah. the TBD and just retain the life. Maybe have it at, you know, 250 and 300,000 for the life cover, what the premium looks like currently. Yeah.","start_word":1607,"end_word":1658,"intents":[{"intent":"Get a quote","confidence_score":0.023293413},{"intent":"Get a quote","confidence_score":0.08271891}]},{"text":"That I sounds can good. get a quote for that for you tomorrow.","start_word":1714,"end_word":1726,"intents":[{"intent":"Get a quote","confidence_score":0.16841437}]},{"text":"I'll get those two quotes through to you probably tomorrow to make it nice and easier. I Yep.","start_word":2126,"end_word":2143,"intents":[{"intent":"Request quotes","confidence_score":0.012836426},{"intent":"Receive quotes","confidence_score":0.0087377075}]},{"text":"the only other question I had, the pay slip you sent me was from July, and that was when you were sort of on full wages. Yes. Yeah.","start_word":2245,"end_word":2272,"intents":[{"intent":"Check pay slip","confidence_score":0.24117905},{"intent":"Check pay slip status","confidence_score":0.0074018356}]},{"text":"Hopefully, the end of this month, when I go and see the doctor again, I'll be able to add another couple of hours. Okay.","start_word":2315,"end_word":2338,"intents":[{"intent":"Confirm work schedule","confidence_score":0.001671132}]},{"text":"Did you want me to with the the TTR strategy, look with updating the advice for you, did you want me to work on your income that you were earning back in July, or did you want me to maybe work on the income that you're earning now?","start_word":2366,"end_word":2413,"intents":[{"intent":"Update advice","confidence_score":0.16666403},{"intent":"Work on income","confidence_score":0.33872095}]},{"text":"once That's it alright. settles down, I can send you a copy of the the payslip, which shows you what I'll be getting, Yep.","start_word":2459,"end_word":2482,"intents":[{"intent":"Send payslip","confidence_score":0.61260253}]},{"text":"I don't know whether we can, you know, change it down the track or whatever, but Yeah.","start_word":2515,"end_word":2531,"intents":[{"intent":"Change track","confidence_score":0.6715433},{"intent":"Change schedule","confidence_score":0.013415472}]},{"text":"what I can do is send you a copy of when things were working okay.","start_word":2605,"end_word":2619,"intents":[{"intent":"Send copies","confidence_score":0.22017314}]},{"text":"Did you wanna talk to her now or to organize I a time?","start_word":2898,"end_word":2910,"intents":[{"intent":"Schedule meeting","confidence_score":0.021194447}]},{"text":"Dana's just saying, did you wanna talk to her about anything? Did you wanna ask her about that?","start_word":3004,"end_word":3021,"intents":[{"intent":"Discuss issues with dana","confidence_score":0.008805178}]},{"text":"hopefully, then she'll All be able good. to sort out what's what's happening as well. So Yeah.","start_word":3055,"end_word":3071,"intents":[{"intent":"Sort out what's happening","confidence_score":0.012033736}]}]},"sentiments":{"segments":[{"text":"Hello? Are you there? Hi, Carl. Can you hear me okay? Yeah. Hello? I think so. Yeah. I don't You've know what's got me? I've I've got you now. Perfect. Perfect. So sorry about that. I'm not sure No. what No.","start_word":0,"end_word":40,"sentiment":"neutral","sentiment_score":-0.06138186529278755},{"text":"It's happened. not your fault.","start_word":41,"end_word":45,"sentiment":"negative","sentiment_score":-0.3473149836063385},{"text":"I don't know what was going on there. Love that technology when it wants to work.","start_word":46,"end_word":61,"sentiment":"neutral","sentiment_score":-0.1345546692609787},{"text":"Ain't it ain't it good?","start_word":62,"end_word":66,"sentiment":"negative","sentiment_score":-0.5385420322418213},{"text":"Ain't it good? All good. I thought I'd try to give you a call tonight to have a chat about the quotes there. Before we Yep. jump into Yep. the call, I do just have to do security and confirm that we record our calls for quality and training purposes. You're happy for me to proceed with that? Yep. Not a problem.","start_word":67,"end_word":128,"sentiment":"neutral","sentiment_score":0.09622939676046371},{"text":"Lovely.","start_word":129,"end_word":129,"sentiment":"positive","sentiment_score":0.4386465549468994},{"text":"And just the security as normal, just your full name, date of birth, and address I should have on file? Colin John Andrews, Yep. 10 MacArthur Street, Moree, New Yep. South Wales 2400.","start_word":130,"end_word":162,"sentiment":"neutral","sentiment_score":0.09576202929019928},{"text":"Perfect. Perfect.","start_word":163,"end_word":164,"sentiment":"positive","sentiment_score":0.4070708751678467},{"text":"So I've got the quotes here in front of me. When Yep. you kinda wrote back, you said that you were talking to Carrie about it, and you were thinking about dropping the life and TPD altogether, get rid of the cost, and save the money. Is that sort of where your head's Well, at that's at the moment? What are you that's, thinking? yeah, that's sort of what I'm looking at, mate. I think I I I'm just here and there with with the insurance in any case. Yep. And looking at that, I don't know whether it's it's correct, but does it finish with Nios Nios or whatever? Does it finish at 72 going on the on wait. Wait. One, two, three on page four, it would be. We've got the list of planned projections. Yep. I'm just having a quick look at the PDF for you because Yep. that is kind of where I go for all this stuff. Yep. Yep. So with TBD, with Neos, the TBD expiry so once you hit age six sixty five Six. Sorry. What was that? no. You're right. Sorry. I'm just having a quick look Yeah. at the Yeah. PDF. You're alright. It's Sorry. telling me no. You're fine. It's the premium type. So the policy should be right, I believe, until age 70. But at a certain point, it reverts to perfect. Expiry age. Easy. So the plan anniversary after the insured turns 80 when it's held inside so far. So you So actually guys can hold you actually can hold the TBD up until the age of 80 when held Okay. inside sofa. However, with TBD, at a certain point, it that's to a different type of Yep. cover. So at the moment, you have an any occupation definition. With TBD, at a certain point, it turns into a point where you have it sort of becomes like an ADL definition. So activities of daily living where you have Right. to be able to not be able to feed yourself, feed yourself, things like that. Yeah. Okay. And So you normally it's not so much a work thing. It's more of a health thing. yeah. As in And yeah. there's a certain point You can't when that comes up. yep. I'm Yeah. just running through the PDF for you Yeah. to have No. a look. That's It's alright. normally That's around alright. about age sort of 74 to 75 that that sorta comes, but I'm happy to confirm that for you. But these do get more expensive as you get older, and now they Yeah. are Of sorta course. costing $14,000. Yeah. It is quite a lot. So Well, that's it. Looking at 72 there. I'm paying 28 20 Yeah. $8,300 sort of thing. Yeah. I'm just I'm just thinking we've we've had a bit of a talk, and Yeah. and and we're virtually thinking I mean, if if I die I mean, it probably sounds odd from your end, but we just think that, you know, if I if I die, I don't get the benefit anyway. It's all for Carrie and same for her. If it's if she passes it to the benefits for me. Yeah. And that's Yep.","start_word":165,"end_word":707,"sentiment":"neutral","sentiment_score":-0.0019237607971355185},{"text":"great. That's great, Yeah.","start_word":708,"end_word":711,"sentiment":"positive","sentiment_score":0.4442085325717926},{"text":"you know, to have that. But when you're paying out so much over a certain amount of time, and, I mean, if it cuts off at a certain date and we live past a certain date, we spend all that money for nothing. And it's a risk Yep. you take. Yeah. That All is. insurance is. Right? Yeah. I get that. Yeah. I get it. Definitely. But we're just, you know, we're just thinking, well, the way things are, we well, I'd be better off. Kerry hasn't made a decision on hers or anything, but Yep. I'm just thinking that, you know, the risk is the risk that you take anyway. And I just think that that money would be better off in earning money for my super, Yes. which Terry's Yep. gonna get anyway. I mean, it's not I know it's not gonna be the the same, but I just think that extra $14 on my super is gonna make, you know, a hell of a difference to to the outcome of the super. So Yeah. Would you like me to I maybe just look at another option for you? Do you want me just to see what it would cost if we looked at just canceling the TPD and kept the life cover in place? We're still looking at a fair amount, though, aren't we? Like Well, I mean, how how about the quote? where So are we? I'm for looking at the new premium quote one. yeah. So it did sort of if we're looking at reducing So the life, it's the 8 premium thousand for the TPD is the biggest cost. So with your current policy, the life and TPD, the TBD policy is the 9,390 and 58<unk>. So your life policy, if you just Hang kept on. that, reduces it down to about 5,000 under the current part of the quote here, and that's without Which one are we reducing looking the policy. It's on either quote, but it's the first page, and you're looking at the current at? policy, which is the it's a highlighted section. Which the second page, is it? Yeah. So the first page of the quote's got all your details. The second page has got your current quote and the new premium for the reduction. You're in fourth quote. Yep. Yep. Yep. And you'll see. So you've got your super, your attached TBD, and your life policy underneath that. The next column has Yep. your sum insured, and the following one has your premiums. Yep. The total is at 14,000. But if you look at the top part of the premium, that's Yeah. the Gotcha. premium Okay. for the Yeah. tax So TBD. it's 9, Yeah. and it come back comes back to $5.03. Yeah. Yeah. And, I mean, Right. having a look at your age, you're over 60 now. So if you were TBD, if you were not able to work, you could access your super. That's it. So It wouldn't matter. yeah. And then you could keep that life policy and just keep that in the event that something happens to Carrie, and that still gives her, you know, the $343.06 $6.07. Yeah. You're still paying $5 for the Yeah. life policy, No. That's a lot but that's a it is that is a lot better. That's a it is that's a lot a better. Yeah. Yeah. big difference. Yeah. Just hang on just hang on for a second, Dana, or I'll just Yeah. You're talk right. to Carrie about that just so we can Absolutely.","start_word":712,"end_word":1311,"sentiment":"neutral","sentiment_score":-0.02532391234611471},{"text":"we can continue on because I'm we just make decisions together.","start_word":1311,"end_word":1322,"sentiment":"positive","sentiment_score":0.37538087368011475},{"text":"That's all.","start_word":1321,"end_word":1322,"sentiment":"neutral","sentiment_score":0.1369242966175079},{"text":"That's okay. You're fine.","start_word":1323,"end_word":1326,"sentiment":"positive","sentiment_score":0.4532451629638672},{"text":"Now Dana's just saying what we could do is reduce it, take out the TPD, and just keep the life cover, which is the 5,300 as a yearly thing instead of the 14,000. And then that way then that way then you still get the big benefit of that. Yes. If she thinks get her. Whatever she thinks is probably the best thing. Well, that's it.","start_word":1327,"end_word":1392,"sentiment":"neutral","sentiment_score":0.15020181238651276},{"text":"That's not a decision. It's a sad decision.","start_word":1393,"end_word":1400,"sentiment":"negative","sentiment_score":-0.6427042484283447},{"text":"Yeah. It it is technically your decision. I love the way your wife thinks that, but Yeah. it is Yeah. technically Oh, yeah. your Yeah. decision. I get it. I get it. Yeah. But yeah. I mean, look, you could look at that. Well, that's Do you want you me to know, get If you a look at that, quote? that's another $10 at you know, in the Yeah. in the super anyway. Absolutely. Plus And, then I mean, we've still these policies and then yeah. we've still Correct. got the yeah. We've still got the $3.43 for the 5. Yeah. Yeah. Absolutely. Yeah. I'm And, I mean, if you looked at you could even look at reducing the life cover down a little bit just to kind of maybe bring it down to the $2.50 or 2 because how much do you guys owe on the mortgage? You don't owe very much, do you? just $5,455,000, I think, was the last Yeah. statement. Yep. So Yep. So, realistically, so we I could mean, if you we could could could we could reduce we the probably life cover look down. at, say, $2.50 or 300? Yeah. Yep. Somewhere And around that then or something. yeah. Absolutely. I can get a quote for both of those and send it through to you so you can see the difference if we cancel Yeah. the TBD and just retain the life. Maybe have it at, you know, 250 and 300,000 for the life cover, what the premium looks like currently. Yeah. Okay.","start_word":1401,"end_word":1659,"sentiment":"neutral","sentiment_score":0.03126884996891022},{"text":"And then your sleep is paid out on top of that to carry as well.","start_word":1660,"end_word":1674,"sentiment":"positive","sentiment_score":0.3622204065322876},{"text":"So, Yeah. It's you right know, there. with two Yep. 50, that covers the mortgage. You can set the 200,000 of life plus your 300 and 300 of thousand inside Yeah. so Yeah. far. Yeah. Yeah. Yep. Alright. No.","start_word":1675,"end_word":1713,"sentiment":"neutral","sentiment_score":0.16336162388324738},{"text":"That I sounds can good. get a quote for that for you tomorrow. It'll be nice if you get a quote.","start_word":1714,"end_word":1734,"sentiment":"positive","sentiment_score":0.4301930069923401},{"text":"As soon as I get it through, I'll email it to you Yeah. so No. you That's can fine. mail it over. Yep. Yep.","start_word":1735,"end_word":1758,"sentiment":"neutral","sentiment_score":0.16160953044891355},{"text":"Perfect. No worries. And and, yeah, that's because I mean, $10, that's a big savings, you know, Yeah.","start_word":1759,"end_word":1776,"sentiment":"positive","sentiment_score":0.3916071057319641},{"text":"like or 10 or more or whatever, but we'll Yep. see what it is.","start_word":1777,"end_word":1790,"sentiment":"neutral","sentiment_score":0.17646972835063934},{"text":"But Yeah. that'll make a big difference, obviously, to my Subaru.","start_word":1791,"end_word":1801,"sentiment":"positive","sentiment_score":0.4210580885410309},{"text":"So and Absolutely. I'm thinking, you know, like, as I said, we've got I've got three to four years left. So Yeah. it's just the Definitely. way it is. I just looked at my my leave the other day. I've got fifty two weeks leave sitting there, so I'm I've got a full gear that I can take off if I want to just Yeah. in just Wow. in leave sort of thing. But if I don't get a chance to take that, they've gotta pay me out for all that as well too. So I've Yeah. got to Yep. I've got to then work out the the best way tax wise, which I'm guessing if I go into August, that's a whole fresh year that they can all the tax can come out for that fresh year. So, Yeah. you know, that's what I'm I'm sort of thinking on. I just I just don't know that I'm gonna get a chance to use all this suit all this leave. They're trying to they're trying to get me to to take it, but then every time something, you know, get a chance to go or take some time off, something comes up and and it's sort of just a bit hard to get away sort of thing. So, Yeah. anyway, I mean, that's that's okay. about If you do happen to bank it out, we'll use it to our advantage. You can take some yeah. leave Yeah. before you retire, and we can we can we can take advantage of that for you. Yeah. Yeah. Well, that's what I'm trying. Just trying to work out, like, whether I've got three three or sort of four four years that I'll sort of work it out to to push it out to. You know? Yeah. Yep. So Yep. anyway. So that's alright. Okay. Yep. No. That's That okay.","start_word":1802,"end_word":2117,"sentiment":"neutral","sentiment_score":0.03686529337841121},{"text":"sounds good, Well, mate. I'll Thank you. perfect. I'll get those two quotes through to you probably tomorrow to make it nice and easier.","start_word":2118,"end_word":2141,"sentiment":"positive","sentiment_score":0.5795673131942749},{"text":"I Yep. don't work on Friday, but if you have anything or have any additional questions, email me back, and I will Yeah. check Yeah. my Yeah. emails Yep. probably No. Friday There won't or be Monday, any and I can there call won't you and let you have a chat. yeah. That's right. There won't be any rush or anything like that. Yep. So, I mean, No. even That's if you okay. don't get it done by tomorrow, don't fuss too much. Like, we're It's working all good.","start_word":2142,"end_word":2230,"sentiment":"neutral","sentiment_score":0.04729847609996796},{"text":"on I will make it happen for you.","start_word":2231,"end_word":2238,"sentiment":"positive","sentiment_score":0.5157862901687622},{"text":"I promise. work in The progress. the only other question I had, the pay slip you sent me was from July, and that was when you were sort of on full wages. Yes. Yeah. Yeah. Are you sort of back your wages gone up again now, or are you still on Well, sort I'm of part I'm on time the duty? 95 I'm on the 95% The 90 of five wage still? now. Yep. Yep. Hopefully, the end of this month, when I go and see the doctor again, I'll be able to add another couple of hours. Okay. I'm thinking in the next three to four months, hopefully, I might be back to full time, so Okay. that'll Did you be want good. me to yeah. Did you want me to with the the TTR strategy, look with updating the advice for you, did you want me to work on your income that you were earning back in July, or did you want me to maybe work on the income that you're earning now? Well, if if we work on what we got now at the 95, I can send you a well, I can't actually because I'm I'm arguing with them about what they're doing with my at the moment. They're all over the Okay. place. Once No. once That's it alright. settles down, I can send you a copy of the the payslip, which shows you what I'll be getting, Yep. and we can we can look at that. Because virtually, once once I'm I'm back full time, it'll only Yep. be a bonus. There'll be just extra money there with that Yeah. I don't know whether we can, you know, change it down the track or whatever, but Yeah. we We can up can. it all or Yeah. whatever. Yeah. So Yeah. Absolutely. We can change that and alter it as as need to be.","start_word":2239,"end_word":2557,"sentiment":"neutral","sentiment_score":0.04141114757259064},{"text":"It's absolutely not a problem.","start_word":2558,"end_word":2562,"sentiment":"positive","sentiment_score":0.3933057188987732},{"text":"Once Yeah. yeah. Moving into TTR, we can roll it back and start again and do all sorts of fun things with Yeah. it, so there's no stress about that. Well, actually, So you're what still I can kind do of yeah? what I can do is send you a copy of when things were working okay. Yeah. So That'd that be that great. that just shouldn't change from that. So, Okay. anyway, I'll I'll do that tomorrow. I'll send that off to you.","start_word":2563,"end_word":2646,"sentiment":"neutral","sentiment_score":0.1522546261548996},{"text":"Perfect. Thank you so much for that, Cole.","start_word":2647,"end_word":2654,"sentiment":"positive","sentiment_score":0.6839211583137512},{"text":"Just so I've got Alright, that to mate. work on, because I was having a bit of a look at the payslip, and I was like, I just wanna make sure this is what you want me Yeah. to work on Yep. because it is Well, a if bit we higher do that, than what you'd we're we're be making safe now. right now Yeah. if if we work on that now. And then, like, as Yep. I said, when when I'm back full time, well, it's only gonna get more be more. So, Yeah. Well, you know if I work on the new payslip based but on the 95% yes. Yeah. capacity now, as you said, you'll get you'll get the extra will be a bit of a bonus, and we can always change it down the track. Yeah. So Exactly. yeah. Yeah. Yeah. That's what I'm sort of thinking. Yep.","start_word":2655,"end_word":2806,"sentiment":"neutral","sentiment_score":0.06222625704188096},{"text":"So, Perfect. Perfect. yeah. Yeah. Alright. If you can shoot me that payslip, that'd be fabulous, and I will get these quotes out to you tomorrow.","start_word":2807,"end_word":2832,"sentiment":"positive","sentiment_score":0.4423927068710327},{"text":"Okay? Okay. No worries.","start_word":2833,"end_word":2836,"sentiment":"neutral","sentiment_score":0.2436910569667816},{"text":"Thank you very much. Thanks All for good.","start_word":2837,"end_word":2844,"sentiment":"positive","sentiment_score":0.6422556042671204},{"text":"your time That's too okay. staying back and whatever. So Oh, not a problem. Anything for you guys. Not an issue at all. Is everything else okay? Do you guys have any other questions for me at the moment? Or I think Harry did have a question for you about yeah. hers. Absolutely. Did you wanna talk to her now or to organize I a time? I absolutely can. I do have it booked in next week. If she wants to to talk to me, then it's not a problem at all. Otherwise, if she's got time now and wants to talk to me now, I can make it now. Okay. Just give me five secs. I'll see if she Yeah. wants You're to ask right. you. Because I I I know she's the same. She's she's having she's trying to work out what's going on with the payslips as well, so I don't Okay. know whether she's right. Dana's just saying, did you wanna talk to her about anything? Did you wanna ask her about that? Well, I'm gonna probably be booked for you next week. Yeah. She got an appointment next week, Dana. So she said that'll Yep. be fine. That's not Yeah. a It's problem at all. hopefully, then she'll All be able good. to sort out what's what's happening as well. So Yeah. That's okay. alright.","start_word":2845,"end_word":3074,"sentiment":"neutral","sentiment_score":0.060078319971976074},{"text":"That's not a problem at all. Easy done.","start_word":3075,"end_word":3082,"sentiment":"positive","sentiment_score":0.3890368044376374},{"text":"Alrighty o. No worries.","start_word":3083,"end_word":3086,"sentiment":"neutral","sentiment_score":0.20135731995105743},{"text":"Well, No thank you very much for that. Appreciate it.","start_word":3087,"end_word":3096,"sentiment":"positive","sentiment_score":0.4324961304664612},{"text":"problem at all. Carrie's having some trouble with the payslips now as well. This seems to be an employer thing, doesn't it? I like yeah. I don't know. It's just things happening and whatever. And Yeah. I I I know ours is all new. Like, they've had a lot of changes within the system Yeah. sort of thing, but, yeah, I just I don't get what's happening because it's just one Yeah. minute I'm I'm getting it taken out. Next minute, they're paying me and all this sort of stuff. And I'm I'm just trying to get them to catch up so that I don't owe them any money. Yeah. Theranos. Once once once I do that, I'll be happy, and hopefully, Yeah. things will settle down. But I think it's just a matter of the girls, the new girls that are in the in the pay payroll area. They're they're having troubles getting their head around some things, I think. Yeah. Right. And that's not that's Yeah. not their fault. That's council's fault for not trying to do it properly. Yeah. You know, like, they've just been thrown in at the deep end. Put it that way. Yep. Yep. You know? Yeah. Anyway, that's beside the point. So Yeah. Alright. All good. No worries at all.","start_word":3097,"end_word":3313,"sentiment":"neutral","sentiment_score":-0.12018169462680817},{"text":"I'll get that out to you tomorrow.","start_word":3314,"end_word":3320,"sentiment":"positive","sentiment_score":0.4920546710491181},{"text":"If there's anything else you need, let me know, and I'll talk to Carrie next week.","start_word":3321,"end_word":3336,"sentiment":"neutral","sentiment_score":0.23013906180858612},{"text":"Easy. Not a problem, mate. Thank you Easy. very much, and you have drive safely home. I will. Thank you so much, Carl. Talk to you soon. Righto. Thanks, Thanks. Anna. See See you you.","start_word":3337,"end_word":3371,"sentiment":"positive","sentiment_score":0.6289193630218506},{"text":"later. Bye.","start_word":3372,"end_word":3373,"sentiment":"neutral","sentiment_score":0.2146538347005844}],"average":{"sentiment":"neutral","sentiment_score":0.048139136034423186}}}}