{"metadata":{"transaction_key":"deprecated","request_id":"a5d03a44-06db-4f0b-b71b-7c3b1083e34b","sha256":"5a11f22612d995cf7db99bc118ec2a52d251d0ab0004b937308d6c863ada8bd9","created":"2026-03-04T00:28:20.105Z","duration":1462.824,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5780,"output_tokens":142},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6530,"output_tokens":6543},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6530,"output_tokens":462}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Kim. It's Tommy here, senior adviser from Oakview Financial. How are you doing today? I'm doing fantastic. Thank you for asking. I just wanted to start by just letting you know that Veronica was scheduled to give you a call this morning, and she's ill today. So I wanted to jump in and assist you. Perfect. Usual process. Just wanted to make sure you're okay for this call to be recorded. Perfect. And do you recall, for security purposes, your client password? That's the one. Thank you so much for that, Kim. Appreciate it. I've just been going through the notes this morning before this call, and I wanted to basically have a chat to you about two things, your beneficiaries and the portfolio for your Hub 20 four super. Is that kind of the two main things that you wanted to talk about? Perfect. Perfect. So I'll start with the nice and easy one with the beneficiaries, if that's okay. Seems like you're trying to do a little bit of a split between the family to make sure the kids are looked after, that kind of thing. Is that right? Awesome. So one of the things I wanted to check with you, there's a couple of ideas on how you can do this because I'm just having a look at the notes now. Let me just make sure I've got this one right. We've got Logan and Tyson, and you wanna kind of get them a little bit of a split of, like, the super funds, life insurance, and so on. Yeah. Yes. Yeah. Yeah. Okay. There is definitely a way to do that. So when it comes to, like, minor children, for example, would your brother be the person who would eventually be their guardian, would you say? Perfect. So let's say, just for example, you were to split fifty fifty between the two children. Right? The 50% for your youngest would essentially be controlled by whoever their guardian is on their behalf. K? Now when it comes to beneficiary nominations, they've got these CISACT restrictions on who can be a valid beneficiary. So most of the time, it's basically a partner or a child or someone that you've got, like, a financial dependency relationship with. Like, you know, you're looking after your parents and they live with you, that kind of thing. K. But there is a way to do it. Do you currently have I'm just looking through your fact finding your your financial details. Do you currently have, like, a will in place by any chance? Yep. So one of the things that you can do, and this is really cool, is when you go to set up a will, you can put in place something called a testamentary trust will. And what it basically does is, like, let's say, when you pass away, that will will create a trust fund. And what you can do is you can put, like, a superannuation in there, your cash, your life insurance, and so on, and you can then distribute out, okay. I want this to be given out as an income to the kids until they're 18 or 25, and then they get full ownership over the funds. So that's kind of like a structure that you've gotta put in place where you just put in place this one will. You can nominate the beneficiaries for your super to go to your estate, which then gets controlled by the will. It's called an LPR nomination. It just sends it to your estate. K? So I just wanted to broach that with you because there's kind of two options here. You can kind of just directly nominate the children, and then that's how the funds would be kind of allocated and whoever looks after your youngest would control the funds, or you could aim it towards a will and set up, like, a a triggering trust fund. Yes. Yeah. Yep. Exactly. Yeah. So that's exactly what I'm worried about because that happens a lot where money is left to children that are under the age of 18, and then everybody comes out of the woodworks, and whoever ends up getting, like, custody gets control over your funds. And that's exactly why we do things like a testamentary trust. So you've gotta essentially do it in two steps. Right? Like, we can't submit a beneficiary to the Superfund with your brother nominated. That would be in invalid. So the first step would be to, like, split it between the kids so it's at least it's in place. Because let's say we did that nomination to your estate. If you don't actually set up that will, then all of your super and life insurance and all this goes to your name, and it just kinda sits there, and then everyone goes to court to try and, you know, fight over who can can get it because there's no will to say what happens to it. So what I'm saying is we basically do a two step process is you can kind of split it between the kits. And then as soon as you got that will in place, we switch it to a LPR nomination so that it can be looked after that way. We can do the LPR nomination now, but that's the risk is that it's being aimed at your estate without a will. So if you're telling me I'll get that done this year, that's okay. If it may take a few years and a few reminders to do, I don't wanna kind of put something in place that's gonna leave you in limbo lane. Well, there's a few options. So you can actually go to, like, the the post office has will kits for $25. Outside of that, you've obviously got lawyers, which they're not too expensive for a simple will. And then you've also got, like, a public trustee for every state. You know, like, when you go to, like, a courthouse and and things like that, they have public trustees that do wills and powers of attorney and things like that similar to a solicitor. So there's a few options there. There's, you know, cheap will kit can get your basic one. I would go to maybe, like, call up the the Google, the public trustee for your state and give them a call and see how much that would cost, whether it's, you know, $200 or something like that, see what it's like. We we don't have any kind of lawyers to recommend you to. There is, I think, one that possibly could, but I'm not sure if they kind of service nationwide. That's all. Yep. Yeah. So what I'm thinking is, like, if you do get it sorted relatively soon, we can do that nomination I'm thinking of. But I don't wanna put it in place now, and then it's three years down the line and there's no will and then limbo land. So it's really gauging up to you. Do you are you okay to do an interim nomination now and then fix it up once your will is in place, or you just wanna do that skip ahead? Yep. No. You don't have to do that. You just have to give us a call to let us know that you've done that and to just ask about your beneficiaries, and then we can put in place that, you know, redo the forms with you. And even now, like, I'm googling, you're in Queensland in Kirwan, aren't you? Yep. So when I Google Queensland public trustee, like, the fourth link down, that all the links just show QPT, and, like, the fourth one down, which we said, out will service, and there's, like, a phone number there. Book an appointment, different physical locations you can go to, all that kind of thing. Cool. So I'll put in to do the the fifty fifty split for the time being and some notes that we're gonna look for the testamentary trust will. And alright. So that's all good. Alright. So the next thing, I'll put some notes in file for that. We'll send you out the forms, get that organized. Just with the the superannuation, so the returns of the Hub twenty four, I've been looking through your portfolio. Have you had a chance to, like, log in to your Hub twenty four much? No. That's okay. So whenever we do these, like, reviews of investments and performance, I do a little bit of a short and long term look where I go, okay. How's it going for the last twelve months? How's it going for five years? Is it kind of tracking well? That kind of thing. So you're in just to give you a bit of a recap. So you're in, like, a growth portfolio. So that's, like, a four out of five on the risk scale, 80% of your money in shares and property. So you're still focused on trying to grow your super at this point. You're not high risk, but you're kind of the one below that, if that makes sense. Yep. Now when you're in growth, you're aiming for an average return of about eight or 9%. Like, it'll go up ten, fifteen, 20% a year, may go down once every seven years when there's a, you know, global financial crisis, COVID, World War three, whatever it is. But you wanna average out as close to 10% as you can. Does that make sense? Now when I yes. So the last twelve months, one percent. And, obviously, markets have been a bit choppy, but it should have been a little bit higher than one. I would have expected it to do around about six or seven given what's happened in the last twelve months. K. So when I look at this long term, it's it's still been hitting about nine and a half percent for the last five years, which is good, but there's a couple of red flags that I can see on your account. Now with the portfolio that we've put together for you, we've got about eight options that are in there, and they make up your super. You know, some's in gold, some of them's in shares, some of them's in cash, some of them's in property. Does that make sense? Yeah. Yep. Now out of all the eight options, six of them are doing fantastic. Your your gold is up 60%. It's like it's been a ridiculous year. But your Australian shares, like the ones that invest in, like, your Commonwealth Bank and your Rio Tinto and all of the companies in this country, that's sort of underperformed the Aussie market and the other Australian funds that are out there. Normally, if it underperforms for a year, that's not really that big of a deal because it averages out, but this particular option has kind of been sort of under skirting for two years. So that's my my pinpoint to say, I'm gonna have to look at replacing this spend along option that you have. The rest of them are looking good, but that one in particular is kind of weighing you down a little bit. K? So I would actually recommend, like, if you're comfortable with just still growing your super as it has been and and still aiming for those average returns that we're looking for, I would at least switch a few options around. I wouldn't increase your risk or anything like that or put more money in, just kind of switch some options around for you. Yep. And we already have a few in mind. Like, I've been talking to our investment committee about some options in that Australian space because I've noticed a little bit this year since we've come back from Christmas. I do just have to ask you one question. There's no right or wrong answer for this. It's really just about that feeling because I can pick a good one either way. And the question is, if you could choose between, like, the lowest fees or paying higher investment fees to try and get a higher return, which way do you lean personally? Well, your that Benelon option that I'm looking at replacing, that's in an active space, which is that kind of high fees to get the high returns, but it hasn't actually done that, if that makes sense. So what I'm saying is I can keep it in the same style and replace it like for like with another active option that has actually done that. Yes. And slightly lower fees, similar, slightly slightly more affordable, but it's actually done really well over one, three, five, and ten years, and it would just be a straight upgrade and sidestep for you. Yep. And what it is, like, we we always do a bit of a blend. Like, you do have a mix of low fee options and and the active options. That's kind of our view philosophy is having, like, we call it a current satellite. You've got your steady ship in the middle and a few sled dogs that pull you along a little bit quicker. K? So all I'm saying is if there's no major issue where you're like, look, I wanna completely overhaul everything and go completely different style, then I can just fix it up a little bit, and you should be right. Perfect. And the only other one that I've noted yeah. And some of our portfolios have been doing that sort of 12 to 14, especially given what's been happening recently. So I wanna try and just get it up there. When I mentioned that benchmark of eight to nine, it's just the average for your risk level. That's not to say that we're not aiming for ten, twelve, fourteen, sixteen. It just means that you need that eight to nine to be on track for retirement. Cool. And the other strange thing that I've noticed, this is kind of the first time I've seen this, is you have some American shares, which the American shares have done really well the last twelve months. They're up, like, 16%. But this option that you've got, they've put it in, like, US dollars. And I don't know if you've seen recently, it's very strange, but the US dollar has gone kind of down given what Trump's been up to compared to the Australian dollar. So it's actually messed with your performance on that one option just because it's in a different currency. So what I'm gonna do is I'm just gonna have a talk to the investment committee about whether we can kind of we call it hedging, and it switches the currency around. A little bit of a trick under the hood for you. But at the very least, we'll get that Benelon switched out with somebody better. Cool. Now while I do this, when we do these changes, we put it in a statement of advice again just to give you an update on, like, here in writing, this is your new portfolio we're recommending and why, and then you can kind of read off and sign if you're comfortable. So, Kim, the last thing I wanna do just before I let you go is when I put this statement of advice together, I just wanna make sure you haven't had any major changes in the details. Cool. So I'm just gonna power through these real quick. Just let me know if anything's changed. Alright. So phone number's still the same. Your Outlook address, Kim dot Brooks, is still current. Yep. Marital status, still single. The two boys. We've got occupation wise technical officer for the Townsville City Council. Perfect. Around about 80,500 per year in income, would you say? Yep. Perfect. That's your base. Okay. And then do you do, like, a bit of overtime that kind of pulls you above that a little bit? Cool. So base salary is there and maybe close to 100,000 for the overall. Perfect. You're still in Laguna Avenue address wise? Cool. We've got the Toyota Hilux was your main asset valued at around 45,000. Do you have any other new assets or loans or anything? Credit cards, personal loans? Perfect. Was there a note here that you were looking to save to purchase a property? Yep. Cool. Have you got a bit of, like, a set savings per week that you're aiming for this year? Okay. Yeah. Yep. That's what we always run into. Even my my mate, he's been earning about a $100 for years doing, like, security work where he's working sixty hour weeks, and he had nothing to show for for about six years. And I said, Jack, just set up a different bank account at this point because you just you you you keep touching it. And he he started sending money to his mom, and he also started sending money to a separate, like, bank where he doesn't have a card. And he's been able to build up about $15 now, so he's also saving for his first house. Anything you need to do, you know, just to make sure that you're you're rolling on and actually getting to where you wanna go. Yeah. Yeah. Yeah. It's too tempting and easy. You click a couple of buttons and it's gone. Yep. Yeah. Absolutely. So I'll put that down as some of the goals that we're trying to aim for 40,000 over the next two years, and we'll just kind of when we do our reviews with you, we'll touch base and see how you're going. Do you have a little bit scroll to land savings at the moment that I can note down in your assets? Perfect. To start, always nice to have a little bit of emergency fund too. Last couple of details, we've got you've still never gone through, like, bankruptcy or debt agreements before. Alright. Cool. And we're looking at putting place, like, the will and the power of attorney potentially. And health wise still smoking at the moment? Oh, nice. Fantastic. So just to let you know, like, whenever you're 12 nicotine free, you get, like, a nonsmoker status when it comes to, like, insurances and things like that. So we'll just keep that in mind so that when we can tag you as twelve months free, then we'll know whether we need to update anything. Cool. That's pretty much everything that I needed. Is there anything else that you would like to mix in with this advice that we're doing? Yep. Awesome. So I won't look at anything to do with, like, insurances and investments and things like that. I guess your priority at the moment is just get the super back on track, make sure your beneficiaries and will are sorted, and saving for that house. Awesome. So what I'll do is I'll go away and put together a little bit of research about the super. I'll let Veronica know what we're doing as well just so she's aware. And sometime over the fortnight, the team will give you a buzz just to get you booked in to go through that advice document. Awesome, Kim. Thank you for your time this morning. You have a fantastic day. Thank you. Bye.","confidence":0.9991653,"words":[{"word":"good","start":2.56,"end":2.8,"confidence":0.99944824,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.32207831740379333},{"word":"morning","start":2.8,"end":3.12,"confidence":0.9965564,"punctuated_word":"morning,","sentiment":"positive","sentiment_score":0.3366600275039673},{"word":"kim","start":3.12,"end":3.36,"confidence":0.9965841,"punctuated_word":"Kim.","sentiment":"positive","sentiment_score":0.3347809910774231},{"word":"it's","start":3.36,"end":3.6799998,"confidence":0.99966264,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.32160547375679016},{"word":"tommy","start":3.6799998,"end":3.9199998,"confidence":0.9918825,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.20811761915683744},{"word":"here","start":3.9199998,"end":4.24,"confidence":0.9749945,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.1892279088497162},{"word":"senior","start":4.24,"end":4.48,"confidence":0.98820925,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.17374390363693237},{"word":"adviser","start":4.48,"end":4.88,"confidence":0.8917733,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.16881036758422852},{"word":"from","start":4.88,"end":5.04,"confidence":0.9915719,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.20488452911376953},{"word":"oakview","start":5.04,"end":5.52,"confidence":0.82299256,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.19103190302848816},{"word":"financial","start":5.52,"end":6.0,"confidence":0.9971353,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.19663387537002563},{"word":"how","start":6.0,"end":6.08,"confidence":0.9999068,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2601999044418335},{"word":"are","start":6.08,"end":6.16,"confidence":0.8244004,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2386896014213562},{"word":"you","start":6.16,"end":6.24,"confidence":0.9995295,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23476667702198029},{"word":"doing","start":6.24,"end":6.48,"confidence":0.9998419,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.25499680638313293},{"word":"today","start":6.48,"end":6.98,"confidence":0.99988824,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.20311737060546875},{"word":"i'm","start":8.96,"end":9.2,"confidence":0.9764098,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6977592706680298},{"word":"doing","start":9.2,"end":9.5199995,"confidence":0.99774384,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7348405718803406},{"word":"fantastic","start":9.5199995,"end":10.0199995,"confidence":0.99936795,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7981579303741455},{"word":"thank","start":10.08,"end":10.32,"confidence":0.9999212,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7025355696678162},{"word":"you","start":10.32,"end":10.4,"confidence":0.99995553,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7081004977226257},{"word":"for","start":10.4,"end":10.639999,"confidence":0.99982613,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7236826419830322},{"word":"asking","start":10.639999,"end":11.12,"confidence":0.99996144,"punctuated_word":"asking.","sentiment":"positive","sentiment_score":0.7247929573059082},{"word":"i","start":11.12,"end":11.44,"confidence":0.9997745,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1904689520597458},{"word":"just","start":11.44,"end":11.679999,"confidence":0.9997987,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09658211469650269},{"word":"wanted","start":11.679999,"end":12.0,"confidence":0.9942812,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.08539700508117676},{"word":"to","start":12.0,"end":12.08,"confidence":0.9978162,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09588672965765},{"word":"start","start":12.08,"end":12.48,"confidence":0.9982905,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.11142118275165558},{"word":"by","start":12.48,"end":12.98,"confidence":0.99968743,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.07199686765670776},{"word":"just","start":13.2,"end":13.36,"confidence":0.79860115,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09578198939561844},{"word":"letting","start":13.36,"end":13.599999,"confidence":0.9999163,"punctuated_word":"letting","sentiment":"neutral","sentiment_score":0.08622681349515915},{"word":"you","start":13.599999,"end":13.679999,"confidence":0.99953485,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06623627990484238},{"word":"know","start":13.679999,"end":13.84,"confidence":0.9999716,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0731952115893364},{"word":"that","start":13.84,"end":14.08,"confidence":0.99964297,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0627497062087059},{"word":"veronica","start":14.08,"end":14.58,"confidence":0.9971425,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":0.06476567685604095},{"word":"was","start":14.639999,"end":14.895,"confidence":0.99796104,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0351756289601326},{"word":"scheduled","start":14.975,"end":15.215,"confidence":0.9972772,"punctuated_word":"scheduled","sentiment":"neutral","sentiment_score":0.09507039934396744},{"word":"to","start":15.215,"end":15.295,"confidence":0.9994586,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.056170281022787094},{"word":"give","start":15.295,"end":15.375,"confidence":0.99994195,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.05797933414578438},{"word":"you","start":15.375,"end":15.695001,"confidence":0.9999076,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0514054074883461},{"word":"a","start":15.695001,"end":15.775001,"confidence":0.9990922,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07906942814588547},{"word":"call","start":15.775001,"end":16.015001,"confidence":0.99992776,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.0735953226685524},{"word":"this","start":16.015001,"end":16.175001,"confidence":0.999701,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06050391495227814},{"word":"morning","start":16.175001,"end":16.675001,"confidence":0.9380438,"punctuated_word":"morning,","sentiment":"neutral","sentiment_score":0.058724116533994675},{"word":"and","start":16.895,"end":17.215,"confidence":0.999491,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.022215405479073524},{"word":"she's","start":17.215,"end":17.695,"confidence":0.986068,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.15069778263568878},{"word":"ill","start":17.695,"end":17.935001,"confidence":0.99946374,"punctuated_word":"ill","sentiment":"neutral","sentiment_score":-0.2222871631383896},{"word":"today","start":17.935001,"end":18.335001,"confidence":0.92462385,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":-0.19734904170036316},{"word":"so","start":18.335001,"end":18.575,"confidence":0.99977034,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03884539008140564},{"word":"i","start":18.575,"end":18.815,"confidence":0.99980646,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007898442447185516},{"word":"wanted","start":18.815,"end":19.135,"confidence":0.99986124,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.02164220809936523},{"word":"to","start":19.135,"end":19.215,"confidence":0.9995365,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04776140674948692},{"word":"jump","start":19.215,"end":19.455,"confidence":0.99990356,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.01409263163805008},{"word":"in","start":19.455,"end":19.695,"confidence":0.9995726,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07028211653232574},{"word":"and","start":19.695,"end":19.855,"confidence":0.999032,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07791882008314133},{"word":"assist","start":19.855,"end":20.175,"confidence":0.9996867,"punctuated_word":"assist","sentiment":"neutral","sentiment_score":0.05233742296695709},{"word":"you","start":20.175,"end":20.675,"confidence":0.99828684,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05586153268814087},{"word":"perfect","start":23.295,"end":23.795,"confidence":0.99644554,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.34402918815612793},{"word":"usual","start":23.855,"end":24.255001,"confidence":0.97447,"punctuated_word":"Usual","sentiment":"neutral","sentiment_score":0.1639924943447113},{"word":"process","start":24.255001,"end":24.655,"confidence":0.6617103,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":0.2182702124118805},{"word":"just","start":24.655,"end":24.815,"confidence":0.8060723,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.13255497813224792},{"word":"wanted","start":24.815,"end":25.055,"confidence":0.92052966,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0944543331861496},{"word":"to","start":25.055,"end":25.135,"confidence":0.9992618,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09304019063711166},{"word":"make","start":25.135,"end":25.295,"confidence":0.99992216,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08211687207221985},{"word":"sure","start":25.295,"end":25.455,"confidence":0.9998197,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10771505534648897},{"word":"you're","start":25.455,"end":25.615,"confidence":0.9997558,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10090341418981552},{"word":"okay","start":25.615,"end":25.855,"confidence":0.9998994,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.10266487300395966},{"word":"for","start":25.855,"end":26.015,"confidence":0.9992022,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15333090722560885},{"word":"this","start":26.015,"end":26.175,"confidence":0.9999405,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16017472743988037},{"word":"call","start":26.175,"end":26.415,"confidence":0.99993765,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.12701991200447085},{"word":"to","start":26.415,"end":26.494999,"confidence":0.9997794,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16299916803836825},{"word":"be","start":26.494999,"end":26.654999,"confidence":0.9998853,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14971619844436646},{"word":"recorded","start":26.654999,"end":27.154999,"confidence":0.98516583,"punctuated_word":"recorded.","sentiment":"neutral","sentiment_score":0.16906356811523438},{"word":"perfect","start":28.84,"end":29.32,"confidence":0.9993473,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.21004676818847656},{"word":"and","start":29.32,"end":29.64,"confidence":0.9997799,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03574208542704582},{"word":"do","start":29.64,"end":29.8,"confidence":0.9998566,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.024742845445871353},{"word":"you","start":29.8,"end":29.88,"confidence":0.99973446,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033446282148361206},{"word":"recall","start":29.88,"end":30.36,"confidence":0.87158257,"punctuated_word":"recall,","sentiment":"neutral","sentiment_score":0.042464930564165115},{"word":"for","start":30.36,"end":30.68,"confidence":0.99997497,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.028441959992051125},{"word":"security","start":30.68,"end":31.08,"confidence":0.9999726,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.018712107092142105},{"word":"purposes","start":31.08,"end":31.56,"confidence":0.9978475,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.028353214263916016},{"word":"your","start":31.56,"end":31.8,"confidence":0.99975604,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03686293587088585},{"word":"client","start":31.8,"end":32.2,"confidence":0.99719965,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.06722743809223175},{"word":"password","start":32.2,"end":32.7,"confidence":0.99666226,"punctuated_word":"password?","sentiment":"neutral","sentiment_score":0.06000000238418579},{"word":"that's","start":37.559998,"end":37.879997,"confidence":0.9994021,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08609479665756226},{"word":"the","start":37.879997,"end":38.12,"confidence":0.9975605,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0874737799167633},{"word":"one","start":38.12,"end":38.36,"confidence":0.99915206,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.12656749784946442},{"word":"thank","start":38.36,"end":38.6,"confidence":0.99990463,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5989784002304077},{"word":"you","start":38.6,"end":38.76,"confidence":0.9998803,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.627488374710083},{"word":"so","start":38.76,"end":39.0,"confidence":0.99984515,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6213161945343018},{"word":"much","start":39.0,"end":39.239998,"confidence":0.99996495,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6843323111534119},{"word":"for","start":39.239998,"end":39.32,"confidence":0.99978715,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.690151572227478},{"word":"that","start":39.32,"end":39.559998,"confidence":0.99885255,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.6485275030136108},{"word":"kim","start":39.559998,"end":40.04,"confidence":0.9932881,"punctuated_word":"Kim.","sentiment":"positive","sentiment_score":0.6733807921409607},{"word":"appreciate","start":40.04,"end":40.54,"confidence":0.9994944,"punctuated_word":"Appreciate","sentiment":"positive","sentiment_score":0.677282452583313},{"word":"it","start":40.6,"end":41.1,"confidence":0.9998849,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.5589198470115662},{"word":"i've","start":41.535,"end":41.775,"confidence":0.88030016,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1528182327747345},{"word":"just","start":41.775,"end":41.935,"confidence":0.9993475,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10427728295326232},{"word":"been","start":41.935,"end":42.015,"confidence":0.999782,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09744751453399658},{"word":"going","start":42.015,"end":42.255,"confidence":0.9999099,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12468352913856506},{"word":"through","start":42.255,"end":42.495,"confidence":0.9998411,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1229679137468338},{"word":"the","start":42.495,"end":42.655,"confidence":0.99975497,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12921644747257233},{"word":"notes","start":42.655,"end":42.895,"confidence":0.9999404,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.11141010373830797},{"word":"this","start":42.895,"end":43.055,"confidence":0.99980205,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11068803071975708},{"word":"morning","start":43.055,"end":43.375,"confidence":0.99997354,"punctuated_word":"morning","sentiment":"neutral","sentiment_score":0.1076911836862564},{"word":"before","start":43.375,"end":43.614998,"confidence":0.99915254,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.12517228722572327},{"word":"this","start":43.614998,"end":43.855,"confidence":0.99991333,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12886008620262146},{"word":"call","start":43.855,"end":44.335,"confidence":0.98849225,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.10800188779830933},{"word":"and","start":44.335,"end":44.655,"confidence":0.99988985,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09233121573925018},{"word":"i","start":44.655,"end":44.975,"confidence":0.9999317,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08201593160629272},{"word":"wanted","start":44.975,"end":45.295,"confidence":0.99989986,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.07844126224517822},{"word":"to","start":45.295,"end":45.535,"confidence":0.9999355,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.097429096698761},{"word":"basically","start":45.535,"end":45.935,"confidence":0.9784234,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.09196941554546356},{"word":"have","start":45.935,"end":46.095,"confidence":0.99959594,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09822263568639757},{"word":"a","start":46.095,"end":46.175,"confidence":0.99816906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10512951016426086},{"word":"chat","start":46.175,"end":46.495,"confidence":0.9999547,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.1463056057691574},{"word":"to","start":46.495,"end":46.575,"confidence":0.99336326,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10706757009029388},{"word":"you","start":46.575,"end":46.735,"confidence":0.99911803,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12412413954734802},{"word":"about","start":46.735,"end":47.055,"confidence":0.99991107,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07969419658184052},{"word":"two","start":47.055,"end":47.215,"confidence":0.999915,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08282478153705597},{"word":"things","start":47.215,"end":47.715,"confidence":0.82412815,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.08912014961242676},{"word":"your","start":48.495,"end":48.895,"confidence":0.9894819,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.073032908141613},{"word":"beneficiaries","start":48.895,"end":49.395,"confidence":0.9998078,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.09204363822937012},{"word":"and","start":50.095,"end":50.595,"confidence":0.96141565,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06364839524030685},{"word":"the","start":50.655,"end":50.895,"confidence":0.99934727,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07765857130289078},{"word":"portfolio","start":50.895,"end":51.395,"confidence":0.9962296,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.06043650582432747},{"word":"for","start":51.695,"end":52.015,"confidence":0.99949634,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07618308067321777},{"word":"your","start":52.015,"end":52.254997,"confidence":0.9997619,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08358635008335114},{"word":"hub","start":52.254997,"end":52.495,"confidence":0.81029576,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.08562377095222473},{"word":"20","start":52.495,"end":52.815,"confidence":0.99447954,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.09894943237304688},{"word":"four","start":52.815,"end":52.975,"confidence":0.9823936,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.07400495558977127},{"word":"super","start":52.975,"end":53.375,"confidence":0.87502867,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.10577937960624696},{"word":"is","start":53.375,"end":53.455,"confidence":0.9997607,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.033820684999227524},{"word":"that","start":53.455,"end":53.695,"confidence":0.99995875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06312326341867447},{"word":"kind","start":53.695,"end":53.855,"confidence":0.8962642,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0514749139547348},{"word":"of","start":53.855,"end":53.934998,"confidence":0.99963593,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04449506849050522},{"word":"the","start":53.934998,"end":54.095,"confidence":0.99966896,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05019758641719818},{"word":"two","start":54.095,"end":54.254997,"confidence":0.9998988,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04408609122037888},{"word":"main","start":54.254997,"end":54.415,"confidence":0.99994314,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.06076901406049728},{"word":"things","start":54.415,"end":54.655,"confidence":0.99971384,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0741264671087265},{"word":"that","start":54.655,"end":54.815,"confidence":0.9999088,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06972330808639526},{"word":"you","start":54.815,"end":54.975,"confidence":0.9999473,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.052981480956077576},{"word":"wanted","start":54.975,"end":55.295,"confidence":0.97819567,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.05345743149518967},{"word":"to","start":55.295,"end":55.375,"confidence":0.9992206,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05474049225449562},{"word":"talk","start":55.375,"end":55.614998,"confidence":0.9998907,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.07826947420835495},{"word":"about","start":55.614998,"end":55.98,"confidence":0.9994344,"punctuated_word":"about?","sentiment":"neutral","sentiment_score":0.05543254315853119},{"word":"perfect","start":58.62,"end":59.02,"confidence":0.9968332,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.303099125623703},{"word":"perfect","start":59.02,"end":59.26,"confidence":0.99975646,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2887459993362427},{"word":"so","start":59.26,"end":59.5,"confidence":0.99907136,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1896984726190567},{"word":"i'll","start":59.5,"end":59.66,"confidence":0.99602187,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1941651552915573},{"word":"start","start":59.66,"end":59.82,"confidence":0.9998411,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.22287046909332275},{"word":"with","start":59.82,"end":59.94,"confidence":0.99988997,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1864493191242218},{"word":"the","start":59.94,"end":60.059998,"confidence":0.98588645,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18364109098911283},{"word":"nice","start":60.059998,"end":60.3,"confidence":0.9998275,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.24880895018577576},{"word":"and","start":60.3,"end":60.46,"confidence":0.99914575,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29287365078926086},{"word":"easy","start":60.46,"end":60.7,"confidence":0.9999125,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.2708754241466522},{"word":"one","start":60.7,"end":60.86,"confidence":0.9988667,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.18108868598937988},{"word":"with","start":60.86,"end":61.1,"confidence":0.98687464,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17706814408302307},{"word":"the","start":61.1,"end":61.34,"confidence":0.999866,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18971827626228333},{"word":"beneficiaries","start":61.34,"end":61.84,"confidence":0.8388108,"punctuated_word":"beneficiaries,","sentiment":"neutral","sentiment_score":0.2152353823184967},{"word":"if","start":61.9,"end":62.059998,"confidence":0.99984396,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1958305835723877},{"word":"that's","start":62.059998,"end":62.379997,"confidence":0.99998975,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14952288568019867},{"word":"okay","start":62.379997,"end":62.879997,"confidence":0.96757126,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.15524548292160034},{"word":"seems","start":64.06,"end":64.38,"confidence":0.4322441,"punctuated_word":"Seems","sentiment":"neutral","sentiment_score":0.07943429052829742},{"word":"like","start":64.38,"end":64.54,"confidence":0.99859613,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07683602720499039},{"word":"you're","start":64.54,"end":64.78,"confidence":0.9995495,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0888822004199028},{"word":"trying","start":64.78,"end":64.94,"confidence":0.9991648,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.1043788492679596},{"word":"to","start":64.94,"end":65.02,"confidence":0.99943453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09462621808052064},{"word":"do","start":65.02,"end":65.34,"confidence":0.99996483,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0929913967847824},{"word":"a","start":65.34,"end":65.5,"confidence":0.9998416,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10092394053936005},{"word":"little","start":65.5,"end":65.74,"confidence":0.99994075,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07399770617485046},{"word":"bit","start":65.74,"end":65.9,"confidence":0.99996865,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07269421219825745},{"word":"of","start":65.9,"end":66.06,"confidence":0.9999722,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12112757563591003},{"word":"a","start":66.06,"end":66.14,"confidence":0.9994319,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1075332909822464},{"word":"split","start":66.14,"end":66.619995,"confidence":0.99995065,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.06250429898500443},{"word":"between","start":66.619995,"end":67.02,"confidence":0.99991214,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.05683595687150955},{"word":"the","start":67.02,"end":67.18,"confidence":0.99986506,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09684449434280396},{"word":"family","start":67.18,"end":67.659996,"confidence":0.99981195,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.10355062037706377},{"word":"to","start":67.659996,"end":67.82,"confidence":0.9978923,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11528337746858595},{"word":"make","start":67.82,"end":67.979996,"confidence":0.9999628,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09399991482496262},{"word":"sure","start":67.979996,"end":68.22,"confidence":0.9999255,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.11223860830068588},{"word":"the","start":68.22,"end":68.38,"confidence":0.99737,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10350823402404784},{"word":"kids","start":68.38,"end":68.619995,"confidence":0.9999664,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.12009574472904204},{"word":"are","start":68.619995,"end":68.78,"confidence":0.9837853,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16955913603305817},{"word":"looked","start":68.78,"end":69.02,"confidence":0.9994862,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.15130716562271118},{"word":"after","start":69.02,"end":69.34,"confidence":0.8525615,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.14869797229766846},{"word":"that","start":69.34,"end":69.58,"confidence":0.99966216,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12384362518787384},{"word":"kind","start":69.58,"end":69.82,"confidence":0.91552246,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06061619147658348},{"word":"of","start":69.82,"end":69.9,"confidence":0.99930644,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11692391335964204},{"word":"thing","start":69.9,"end":70.14,"confidence":0.9986292,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.11148931086063384},{"word":"is","start":70.14,"end":70.3,"confidence":0.99967563,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07969337701797485},{"word":"that","start":70.3,"end":70.46,"confidence":0.9999558,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09325730800628662},{"word":"right","start":70.46,"end":70.935,"confidence":0.9998522,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.07815521955490112},{"word":"awesome","start":73.015,"end":73.515,"confidence":0.9976833,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.2703648805618286},{"word":"so","start":73.575,"end":74.055,"confidence":0.9997427,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12103690207004549},{"word":"one","start":74.055,"end":74.134995,"confidence":0.9982053,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12171739339828493},{"word":"of","start":74.134995,"end":74.215,"confidence":0.99956053,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14037035405635834},{"word":"the","start":74.215,"end":74.295,"confidence":0.9934948,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14501570165157318},{"word":"things","start":74.295,"end":74.534996,"confidence":0.9996958,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15846581757068634},{"word":"i","start":74.534996,"end":74.615,"confidence":0.99927276,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12208786606788637},{"word":"wanted","start":74.615,"end":74.735,"confidence":0.6298696,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.08964626491069794},{"word":"to","start":74.735,"end":74.854996,"confidence":0.9955941,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09714991599321364},{"word":"check","start":74.854996,"end":75.015,"confidence":0.99981993,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.11871998012065887},{"word":"with","start":75.015,"end":75.095,"confidence":0.9997793,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08316910266876221},{"word":"you","start":75.095,"end":75.255,"confidence":0.96831584,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.12570980191230774},{"word":"there's","start":75.255,"end":75.415,"confidence":0.99960744,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1275726556777954},{"word":"a","start":75.415,"end":75.575,"confidence":0.99975973,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13176341354846954},{"word":"couple","start":75.575,"end":75.735,"confidence":0.99996245,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1286851316690445},{"word":"of","start":75.735,"end":75.895,"confidence":0.9997552,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13810928165912628},{"word":"ideas","start":75.895,"end":76.295,"confidence":0.99990463,"punctuated_word":"ideas","sentiment":"neutral","sentiment_score":0.12695321440696716},{"word":"on","start":76.295,"end":76.454994,"confidence":0.9999168,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12807780504226685},{"word":"how","start":76.454994,"end":76.615,"confidence":0.99989474,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11867491900920868},{"word":"you","start":76.615,"end":76.774994,"confidence":0.9998658,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12750361859798431},{"word":"can","start":76.774994,"end":76.935,"confidence":0.99992967,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14648891985416412},{"word":"do","start":76.935,"end":77.015,"confidence":0.9996511,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1414979100227356},{"word":"this","start":77.015,"end":77.255,"confidence":0.9998846,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12829118967056274},{"word":"because","start":77.255,"end":77.415,"confidence":0.5180029,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12374790012836456},{"word":"i'm","start":77.415,"end":77.575,"confidence":0.9999044,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10662335157394408},{"word":"just","start":77.575,"end":77.735,"confidence":0.9998932,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09956786036491394},{"word":"having","start":77.735,"end":77.854996,"confidence":0.99987745,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.08827623724937439},{"word":"a","start":77.854996,"end":77.975,"confidence":0.997198,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0934675857424736},{"word":"look","start":77.975,"end":78.215,"confidence":0.9999788,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0743647962808609},{"word":"at","start":78.215,"end":78.295,"confidence":0.99882036,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08448635786771774},{"word":"the","start":78.295,"end":78.454994,"confidence":0.999871,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08475588262081146},{"word":"notes","start":78.454994,"end":78.774994,"confidence":0.9999567,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.05738011747598648},{"word":"now","start":78.774994,"end":79.015,"confidence":0.99270487,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.08005893975496292},{"word":"let","start":79.015,"end":79.174995,"confidence":0.9998147,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.07303164899349213},{"word":"me","start":79.174995,"end":79.335,"confidence":0.99996614,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06401602923870087},{"word":"just","start":79.335,"end":79.735,"confidence":0.99989545,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06241222843527794},{"word":"make","start":79.735,"end":79.895,"confidence":0.9998822,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04465138539671898},{"word":"sure","start":79.895,"end":80.134995,"confidence":0.99992883,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.034774091094732285},{"word":"i've","start":80.134995,"end":80.375,"confidence":0.9998294,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04816047474741936},{"word":"got","start":80.375,"end":80.534996,"confidence":0.9999546,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04624146595597267},{"word":"this","start":80.534996,"end":80.774994,"confidence":0.9999074,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04975474625825882},{"word":"one","start":80.774994,"end":81.095,"confidence":0.99986076,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03756996616721153},{"word":"right","start":81.095,"end":81.595,"confidence":0.9993304,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.06798137724399567},{"word":"we've","start":81.895,"end":82.295,"confidence":0.9995967,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.03937015309929848},{"word":"got","start":82.295,"end":82.774994,"confidence":0.99942005,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04778023436665535},{"word":"logan","start":82.774994,"end":83.095,"confidence":0.9975293,"punctuated_word":"Logan","sentiment":"neutral","sentiment_score":0.06983080506324768},{"word":"and","start":83.095,"end":83.335,"confidence":0.99767905,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.040722206234931946},{"word":"tyson","start":83.335,"end":83.835,"confidence":0.8016398,"punctuated_word":"Tyson,","sentiment":"neutral","sentiment_score":0.0507853738963604},{"word":"and","start":84.11,"end":84.27,"confidence":0.9998976,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06449716538190842},{"word":"you","start":84.27,"end":84.43,"confidence":0.99993324,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07367865741252899},{"word":"wanna","start":84.43,"end":84.83,"confidence":0.9295157,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09002821147441864},{"word":"kind","start":84.83,"end":85.07,"confidence":0.98361844,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07513037323951721},{"word":"of","start":85.07,"end":85.15,"confidence":0.9995153,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1053059622645378},{"word":"get","start":85.15,"end":85.39,"confidence":0.999691,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07207284867763519},{"word":"them","start":85.39,"end":85.71,"confidence":0.99981433,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.09794139862060548},{"word":"a","start":85.71,"end":85.79,"confidence":0.99980956,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09426160156726836},{"word":"little","start":85.79,"end":85.95,"confidence":0.9999318,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06977149844169617},{"word":"bit","start":85.95,"end":86.11,"confidence":0.9999641,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07932158559560776},{"word":"of","start":86.11,"end":86.27,"confidence":0.9999162,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10006065666675568},{"word":"a","start":86.27,"end":86.43,"confidence":0.998681,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0834471732378006},{"word":"split","start":86.43,"end":86.83,"confidence":0.999838,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.05655255168676376},{"word":"of","start":86.83,"end":87.15,"confidence":0.98330975,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.06934624910354614},{"word":"like","start":87.15,"end":87.31,"confidence":0.9983822,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05232596397399902},{"word":"the","start":87.31,"end":87.549995,"confidence":0.9989048,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06315895169973373},{"word":"super","start":87.549995,"end":87.869995,"confidence":0.918339,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0860116183757782},{"word":"funds","start":87.869995,"end":88.369995,"confidence":0.94451797,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.061953410506248474},{"word":"life","start":88.59,"end":88.83,"confidence":0.9960873,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.07607486844062805},{"word":"insurance","start":88.83,"end":89.31,"confidence":0.97121936,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.05351242423057556},{"word":"and","start":89.31,"end":89.47,"confidence":0.999803,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04929767921566963},{"word":"so","start":89.47,"end":89.63,"confidence":0.9992423,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.043796032667160034},{"word":"on","start":89.63,"end":90.13,"confidence":0.8977034,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.03842122107744217},{"word":"yeah","start":92.11,"end":92.61,"confidence":0.81925774,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013179250992834568},{"word":"yes","start":100.685,"end":101.185,"confidence":0.99884695,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.019545026123523712},{"word":"yeah","start":125.274994,"end":125.59499,"confidence":0.93218267,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11895474791526794},{"word":"yeah","start":125.59499,"end":125.994995,"confidence":0.8358221,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16556674242019653},{"word":"okay","start":125.994995,"end":126.494995,"confidence":0.8668339,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.305725634098053},{"word":"there","start":126.954994,"end":127.195,"confidence":0.98485166,"punctuated_word":"There","sentiment":"positive","sentiment_score":0.39819008111953735},{"word":"is","start":127.195,"end":127.435,"confidence":0.99951124,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.40044891834259033},{"word":"definitely","start":127.435,"end":127.91499,"confidence":0.9994697,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.5377228856086731},{"word":"a","start":127.91499,"end":128.075,"confidence":0.9995453,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4867067337036133},{"word":"way","start":128.075,"end":128.235,"confidence":0.9999366,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.42804670333862305},{"word":"to","start":128.235,"end":128.39499,"confidence":0.9998394,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5144221186637878},{"word":"do","start":128.39499,"end":128.635,"confidence":0.99983835,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.48651137948036194},{"word":"that","start":128.635,"end":129.135,"confidence":0.9988495,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.47097888588905334},{"word":"so","start":129.19499,"end":129.69499,"confidence":0.99918705,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20838411152362823},{"word":"when","start":130.47499,"end":130.715,"confidence":0.99579877,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2142888754606247},{"word":"it","start":130.715,"end":130.875,"confidence":0.99992466,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18054577708244324},{"word":"comes","start":130.875,"end":131.275,"confidence":0.9998932,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.15611031651496887},{"word":"to","start":131.275,"end":131.75499,"confidence":0.9310071,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.12609750032424927},{"word":"like","start":131.75499,"end":132.075,"confidence":0.9967761,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11362770944833755},{"word":"minor","start":132.075,"end":132.39499,"confidence":0.9982963,"punctuated_word":"minor","sentiment":"neutral","sentiment_score":0.13468438386917114},{"word":"children","start":132.39499,"end":132.795,"confidence":0.97997963,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.1259395033121109},{"word":"for","start":132.795,"end":133.035,"confidence":0.9998803,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10628186166286469},{"word":"example","start":133.035,"end":133.535,"confidence":0.9986123,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.10014387965202332},{"word":"would","start":133.67,"end":133.83,"confidence":0.99978167,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1371782422065735},{"word":"your","start":133.83,"end":134.06999,"confidence":0.9972203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10137800872325896},{"word":"brother","start":134.06999,"end":134.31,"confidence":0.9957919,"punctuated_word":"brother","sentiment":"neutral","sentiment_score":0.08997062593698502},{"word":"be","start":134.31,"end":134.47,"confidence":0.9995603,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10101990401744844},{"word":"the","start":134.47,"end":134.62999,"confidence":0.9996958,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09148460626602171},{"word":"person","start":134.62999,"end":134.95,"confidence":0.99991727,"punctuated_word":"person","sentiment":"neutral","sentiment_score":0.13691914081573486},{"word":"who","start":134.95,"end":135.26999,"confidence":0.9998853,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.11965088546276093},{"word":"would","start":135.26999,"end":135.75,"confidence":0.9996456,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.14300844073295593},{"word":"eventually","start":135.75,"end":136.15,"confidence":0.96851045,"punctuated_word":"eventually","sentiment":"neutral","sentiment_score":0.11107562482357024},{"word":"be","start":136.15,"end":136.31,"confidence":0.9994848,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1011987179517746},{"word":"their","start":136.31,"end":136.55,"confidence":0.98859733,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.051909737288951874},{"word":"guardian","start":136.55,"end":137.05,"confidence":0.9591164,"punctuated_word":"guardian,","sentiment":"neutral","sentiment_score":0.13607585430145264},{"word":"would","start":137.11,"end":137.34999,"confidence":0.9994861,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1694965362548828},{"word":"you","start":137.34999,"end":137.43,"confidence":0.99991596,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1407146006822586},{"word":"say","start":137.43,"end":137.93,"confidence":0.9998074,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":0.14463911950588226},{"word":"perfect","start":139.59,"end":140.06999,"confidence":0.99327886,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6764299273490906},{"word":"so","start":140.06999,"end":140.56999,"confidence":0.9994997,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1825290322303772},{"word":"let's","start":140.79,"end":141.19,"confidence":0.98279166,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.16291213035583496},{"word":"say","start":141.19,"end":141.59,"confidence":0.8184364,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.14760002493858335},{"word":"just","start":141.59,"end":141.83,"confidence":0.9998654,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10874947905540466},{"word":"for","start":141.83,"end":141.98999,"confidence":0.90569836,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08353812992572784},{"word":"example","start":141.98999,"end":142.47,"confidence":0.9972788,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.11756762862205504},{"word":"you","start":142.47,"end":142.70999,"confidence":0.99963415,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12079498171806335},{"word":"were","start":142.70999,"end":142.95,"confidence":0.99981576,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.11138947308063508},{"word":"to","start":142.95,"end":143.45,"confidence":0.99917847,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14952775835990906},{"word":"split","start":143.59,"end":143.98999,"confidence":0.9997336,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.13469848036766052},{"word":"fifty","start":143.98999,"end":144.23,"confidence":0.47809184,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.15867666900157928},{"word":"fifty","start":144.23,"end":144.62999,"confidence":0.9653705,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.11965477466583252},{"word":"between","start":144.62999,"end":144.87,"confidence":0.9996481,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.12424738705158234},{"word":"the","start":144.87,"end":145.03,"confidence":0.9997384,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16281373798847198},{"word":"two","start":145.03,"end":145.26999,"confidence":0.9997162,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10557927936315536},{"word":"children","start":145.26999,"end":145.67,"confidence":0.9061602,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":0.15572482347488403},{"word":"right","start":145.67,"end":146.17,"confidence":0.99838704,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.15123285353183746},{"word":"the","start":147.03,"end":147.34999,"confidence":0.88547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07749751210212708},{"word":"50%","start":147.34999,"end":148.25,"confidence":0.9995251,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.1224251389503479},{"word":"for","start":148.475,"end":148.795,"confidence":0.99983156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030792295932769775},{"word":"your","start":148.795,"end":149.035,"confidence":0.9996662,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016938239336013794},{"word":"youngest","start":149.035,"end":149.535,"confidence":0.9996829,"punctuated_word":"youngest","sentiment":"neutral","sentiment_score":0.007723778486251831},{"word":"would","start":149.91501,"end":150.315,"confidence":0.99762386,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04405893385410309},{"word":"essentially","start":150.315,"end":150.795,"confidence":0.99314225,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.06211183592677117},{"word":"be","start":150.795,"end":151.035,"confidence":0.9998079,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.042901746928691864},{"word":"controlled","start":151.035,"end":151.35501,"confidence":0.99976915,"punctuated_word":"controlled","sentiment":"neutral","sentiment_score":0.06718623638153076},{"word":"by","start":151.35501,"end":151.595,"confidence":0.9999325,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.09537462890148164},{"word":"whoever","start":151.595,"end":152.075,"confidence":0.99970883,"punctuated_word":"whoever","sentiment":"neutral","sentiment_score":0.05690766125917435},{"word":"their","start":152.075,"end":152.315,"confidence":0.96200955,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.022804446518421173},{"word":"guardian","start":152.315,"end":152.795,"confidence":0.9996569,"punctuated_word":"guardian","sentiment":"neutral","sentiment_score":0.057789191603660583},{"word":"is","start":152.795,"end":153.195,"confidence":0.9995691,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03682056814432144},{"word":"on","start":153.195,"end":153.515,"confidence":0.9956084,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04594288021326065},{"word":"their","start":153.515,"end":153.755,"confidence":0.9994954,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.008991509675979614},{"word":"behalf","start":153.755,"end":154.255,"confidence":0.99889815,"punctuated_word":"behalf.","sentiment":"neutral","sentiment_score":0.05587296560406685},{"word":"k","start":155.195,"end":155.695,"confidence":0.8224656,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.03358595818281174},{"word":"now","start":156.395,"end":156.63501,"confidence":0.99837744,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.01854570209980011},{"word":"when","start":156.63501,"end":156.795,"confidence":0.9959621,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02282816916704178},{"word":"it","start":156.795,"end":156.955,"confidence":0.99991786,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0009502321481704712},{"word":"comes","start":156.955,"end":157.195,"confidence":0.9998362,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.0018848031759262085},{"word":"to","start":157.195,"end":157.35501,"confidence":0.99975044,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0006091073155403137},{"word":"beneficiary","start":157.35501,"end":157.85501,"confidence":0.99870074,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.04229465126991272},{"word":"nominations","start":157.91501,"end":158.41501,"confidence":0.9995968,"punctuated_word":"nominations,","sentiment":"neutral","sentiment_score":0.016635362058877945},{"word":"they've","start":159.035,"end":159.27501,"confidence":0.9998125,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.03144104406237602},{"word":"got","start":159.27501,"end":159.515,"confidence":0.99996114,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.029073335230350494},{"word":"these","start":159.515,"end":160.015,"confidence":0.99722254,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.007487960159778595},{"word":"cisact","start":160.235,"end":160.735,"confidence":0.48380196,"punctuated_word":"CISACT","sentiment":"neutral","sentiment_score":-0.05301481485366821},{"word":"restrictions","start":161.515,"end":162.015,"confidence":0.98972017,"punctuated_word":"restrictions","sentiment":"neutral","sentiment_score":-0.03426434099674225},{"word":"on","start":162.075,"end":162.315,"confidence":0.9998964,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06341050565242767},{"word":"who","start":162.315,"end":162.475,"confidence":0.9998467,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.08901295065879822},{"word":"can","start":162.475,"end":162.63501,"confidence":0.99960417,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07545726001262665},{"word":"be","start":162.63501,"end":162.795,"confidence":0.99976856,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07922843843698502},{"word":"a","start":162.795,"end":162.955,"confidence":0.9991806,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03065509721636772},{"word":"valid","start":162.955,"end":163.35501,"confidence":0.999908,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":-0.07239548116922379},{"word":"beneficiary","start":163.35501,"end":163.85501,"confidence":0.99484986,"punctuated_word":"beneficiary.","sentiment":"neutral","sentiment_score":0.021987710148096085},{"word":"so","start":164.46,"end":164.96,"confidence":0.9997894,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.030353449285030365},{"word":"most","start":165.34,"end":165.66,"confidence":0.9711005,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.03199367970228195},{"word":"of","start":165.66,"end":165.74,"confidence":0.9994092,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01691516488790512},{"word":"the","start":165.74,"end":165.98,"confidence":0.9998387,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019755356013774872},{"word":"time","start":165.98,"end":166.3,"confidence":0.98984253,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.019861537963151932},{"word":"it's","start":166.3,"end":166.62,"confidence":0.999871,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.00006027519702911377},{"word":"basically","start":166.62,"end":167.12,"confidence":0.9913931,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.00028042495250701904},{"word":"a","start":167.9,"end":168.06,"confidence":0.97893816,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0014781448990106585},{"word":"partner","start":168.06,"end":168.56,"confidence":0.595755,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.022936515510082245},{"word":"or","start":168.78,"end":169.02,"confidence":0.9618194,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.002577945590019226},{"word":"a","start":169.02,"end":169.18001,"confidence":0.9977963,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007609833031892776},{"word":"child","start":169.18001,"end":169.68001,"confidence":0.99994624,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.009195707738399506},{"word":"or","start":170.3,"end":170.62,"confidence":0.97543347,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01917095482349396},{"word":"someone","start":170.62,"end":170.94,"confidence":0.99990654,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.0062079280614852905},{"word":"that","start":170.94,"end":171.1,"confidence":0.99991715,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01583072543144226},{"word":"you've","start":171.1,"end":171.26,"confidence":0.99707794,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.02600690722465515},{"word":"got","start":171.26,"end":171.42,"confidence":0.9308329,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.01757116988301277},{"word":"like","start":171.42,"end":171.58,"confidence":0.99810255,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.01514584943652153},{"word":"a","start":171.58,"end":171.74,"confidence":0.99967647,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025873098522424694},{"word":"financial","start":171.74,"end":172.24,"confidence":0.9994991,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.051906563341617584},{"word":"dependency","start":172.3,"end":172.8,"confidence":0.99710304,"punctuated_word":"dependency","sentiment":"neutral","sentiment_score":-0.02986826002597809},{"word":"relationship","start":173.02,"end":173.52,"confidence":0.99980587,"punctuated_word":"relationship","sentiment":"neutral","sentiment_score":-0.03758987784385681},{"word":"with","start":173.58,"end":173.82,"confidence":0.89001614,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":-0.022789083421230316},{"word":"like","start":173.82,"end":173.9,"confidence":0.99819374,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.002023741602897644},{"word":"you","start":173.9,"end":174.06,"confidence":0.999718,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00951596349477768},{"word":"know","start":174.06,"end":174.22,"confidence":0.99864686,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0020043253898620605},{"word":"you're","start":174.22,"end":174.38,"confidence":0.9995477,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.007789328694343567},{"word":"looking","start":174.38,"end":174.7,"confidence":0.99988925,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.024165108799934387},{"word":"after","start":174.7,"end":175.02,"confidence":0.9982008,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.027723483741283417},{"word":"your","start":175.02,"end":175.26,"confidence":0.9983841,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.030313633382320404},{"word":"parents","start":175.26,"end":175.74,"confidence":0.99960417,"punctuated_word":"parents","sentiment":"neutral","sentiment_score":-0.025378726422786713},{"word":"and","start":175.74,"end":175.98,"confidence":0.6702214,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00816335529088974},{"word":"they","start":175.98,"end":176.14,"confidence":0.9993781,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.003714650869369507},{"word":"live","start":176.14,"end":176.38,"confidence":0.99907446,"punctuated_word":"live","sentiment":"neutral","sentiment_score":-0.008383229374885559},{"word":"with","start":176.38,"end":176.54001,"confidence":0.9997316,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03164289891719818},{"word":"you","start":176.54001,"end":176.86,"confidence":0.9572384,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.01299409568309784},{"word":"that","start":176.86,"end":177.02,"confidence":0.99958116,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03610614687204361},{"word":"kind","start":177.02,"end":177.26,"confidence":0.9326513,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.012372910976409912},{"word":"of","start":177.26,"end":177.42,"confidence":0.99937147,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03084580600261688},{"word":"thing","start":177.42,"end":177.885,"confidence":0.9988565,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.025883998721837997},{"word":"k","start":178.845,"end":179.345,"confidence":0.6442787,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.043879184871912},{"word":"but","start":179.485,"end":179.965,"confidence":0.99564713,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0588928647339344},{"word":"there","start":179.965,"end":180.205,"confidence":0.99879503,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06200634315609932},{"word":"is","start":180.205,"end":180.36499,"confidence":0.9999542,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05697055533528328},{"word":"a","start":180.36499,"end":180.44499,"confidence":0.99973136,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06341037154197693},{"word":"way","start":180.44499,"end":180.605,"confidence":0.9999746,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.08952225744724274},{"word":"to","start":180.605,"end":180.765,"confidence":0.99972945,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07476841658353806},{"word":"do","start":180.765,"end":180.92499,"confidence":0.99986064,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07588249444961548},{"word":"it","start":180.92499,"end":181.42499,"confidence":0.99914193,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.07785768806934357},{"word":"do","start":182.44499,"end":182.605,"confidence":0.93979305,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.007985498756170273},{"word":"you","start":182.605,"end":182.765,"confidence":0.99981457,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012989923357963562},{"word":"currently","start":182.765,"end":183.165,"confidence":0.99990237,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.02336810901761055},{"word":"have","start":183.165,"end":183.325,"confidence":0.99628085,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004799064248800278},{"word":"i'm","start":183.405,"end":183.485,"confidence":0.9991089,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.011649733409285544},{"word":"just","start":183.485,"end":183.64499,"confidence":0.9997814,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01261088252067566},{"word":"looking","start":183.64499,"end":183.965,"confidence":0.9998006,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.008829250931739807},{"word":"through","start":183.965,"end":184.20499,"confidence":0.99902356,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.011424750089645386},{"word":"your","start":184.20499,"end":184.44499,"confidence":0.9959544,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023055344820022583},{"word":"fact","start":184.44499,"end":184.685,"confidence":0.79140466,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.022427380084991455},{"word":"finding","start":184.685,"end":185.165,"confidence":0.8774581,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":0.028587378561496735},{"word":"your","start":185.165,"end":185.485,"confidence":0.95549077,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0018399059772491455},{"word":"your","start":185.485,"end":185.64499,"confidence":0.9697612,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.009412415325641632},{"word":"financial","start":185.64499,"end":186.125,"confidence":0.9998412,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.009428046643733978},{"word":"details","start":186.125,"end":186.625,"confidence":0.98897064,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":-0.01678987219929695},{"word":"do","start":186.685,"end":186.765,"confidence":0.9990102,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.01667022332549095},{"word":"you","start":186.765,"end":186.92499,"confidence":0.99977285,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005430452525615692},{"word":"currently","start":186.92499,"end":187.245,"confidence":0.9998424,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.04042821750044823},{"word":"have","start":187.245,"end":187.405,"confidence":0.9665568,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.03354978561401367},{"word":"like","start":187.405,"end":187.56499,"confidence":0.9990542,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.016001377254724503},{"word":"a","start":187.56499,"end":187.72499,"confidence":0.9998097,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013673100620508194},{"word":"will","start":187.72499,"end":187.965,"confidence":0.98679113,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.00622490793466568},{"word":"in","start":187.965,"end":188.125,"confidence":0.99926203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.014711592346429825},{"word":"place","start":188.125,"end":188.44499,"confidence":0.99868983,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.013029314577579498},{"word":"by","start":188.44499,"end":188.605,"confidence":0.9360201,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.004529189318418503},{"word":"any","start":188.605,"end":188.845,"confidence":0.9995129,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.025508113205432892},{"word":"chance","start":188.845,"end":189.345,"confidence":0.99966156,"punctuated_word":"chance?","sentiment":"neutral","sentiment_score":-0.010665440931916235},{"word":"yep","start":192.78,"end":193.18,"confidence":0.9963012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09442687034606934},{"word":"so","start":193.18,"end":193.5,"confidence":0.9991967,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12102474272251128},{"word":"one","start":193.5,"end":193.65999,"confidence":0.9994448,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1483663022518158},{"word":"of","start":193.65999,"end":193.73999,"confidence":0.9995988,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1545093059539795},{"word":"the","start":193.73999,"end":193.81999,"confidence":0.99490756,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16984328627586365},{"word":"things","start":193.81999,"end":193.98,"confidence":0.999619,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.20589476823806763},{"word":"that","start":193.98,"end":194.14,"confidence":0.99885213,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19034352898597717},{"word":"you","start":194.14,"end":194.22,"confidence":0.99975425,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22986482083797455},{"word":"can","start":194.22,"end":194.37999,"confidence":0.99986196,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2418506145477295},{"word":"do","start":194.37999,"end":194.62,"confidence":0.9709488,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.2288818657398224},{"word":"and","start":194.62,"end":194.78,"confidence":0.9999057,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2798096239566803},{"word":"this","start":194.78,"end":194.93999,"confidence":0.99994206,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3468659222126007},{"word":"is","start":194.93999,"end":195.01999,"confidence":0.99946564,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.367675244808197},{"word":"really","start":195.01999,"end":195.26,"confidence":0.99992144,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4111481010913849},{"word":"cool","start":195.26,"end":195.76,"confidence":0.99032795,"punctuated_word":"cool,","sentiment":"positive","sentiment_score":0.4022381901741028},{"word":"is","start":195.9,"end":196.29999,"confidence":0.9999291,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2872888147830963},{"word":"when","start":196.29999,"end":196.45999,"confidence":0.9976398,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.31174978613853455},{"word":"you","start":196.45999,"end":196.62,"confidence":0.9999435,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27202773094177246},{"word":"go","start":196.62,"end":196.86,"confidence":0.9998479,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.279229074716568},{"word":"to","start":196.86,"end":197.01999,"confidence":0.99961543,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24888384342193604},{"word":"set","start":197.01999,"end":197.26,"confidence":0.99709547,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.23598915338516235},{"word":"up","start":197.26,"end":197.42,"confidence":0.99989307,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.200031578540802},{"word":"a","start":197.42,"end":197.5,"confidence":0.9996463,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20239323377609253},{"word":"will","start":197.5,"end":198.0,"confidence":0.9988454,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.15759603679180145},{"word":"you","start":198.14,"end":198.29999,"confidence":0.99986684,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15788745880126953},{"word":"can","start":198.29999,"end":198.45999,"confidence":0.9999323,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18416517972946167},{"word":"put","start":198.45999,"end":198.7,"confidence":0.99993217,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1618676781654358},{"word":"in","start":198.7,"end":198.78,"confidence":0.99967647,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13731855154037476},{"word":"place","start":198.78,"end":199.09999,"confidence":0.9992505,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.1852545440196991},{"word":"something","start":199.09999,"end":199.42,"confidence":0.9997008,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1877513974905014},{"word":"called","start":199.42,"end":199.73999,"confidence":0.99981123,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.1786671131849289},{"word":"a","start":199.73999,"end":199.9,"confidence":0.9841048,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21613511443138125},{"word":"testamentary","start":199.9,"end":200.4,"confidence":0.99826026,"punctuated_word":"testamentary","sentiment":"neutral","sentiment_score":0.20925167202949524},{"word":"trust","start":200.78,"end":201.09999,"confidence":0.99972063,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.19582203030586243},{"word":"will","start":201.09999,"end":201.59999,"confidence":0.9699648,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.18777622282505035},{"word":"and","start":201.73999,"end":201.9,"confidence":0.998613,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1512942910194397},{"word":"what","start":201.9,"end":202.14,"confidence":0.99989927,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14901356399059296},{"word":"it","start":202.14,"end":202.29999,"confidence":0.9994412,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14375439286231995},{"word":"basically","start":202.29999,"end":202.78,"confidence":0.99755365,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.11838426440954208},{"word":"does","start":202.78,"end":203.18,"confidence":0.9994585,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.12436623871326448},{"word":"is","start":203.18,"end":203.42,"confidence":0.7946472,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.11972671002149582},{"word":"like","start":203.42,"end":203.57999,"confidence":0.87139654,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1302158385515213},{"word":"let's","start":203.57999,"end":203.9,"confidence":0.9155505,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.09889231622219086},{"word":"say","start":203.9,"end":204.22,"confidence":0.7502115,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.09364226460456848},{"word":"when","start":204.22,"end":204.37999,"confidence":0.99816376,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06723430007696152},{"word":"you","start":204.37999,"end":204.54,"confidence":0.9997557,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06367452442646027},{"word":"pass","start":204.54,"end":204.78,"confidence":0.99502534,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.07580854743719101},{"word":"away","start":204.78,"end":205.28,"confidence":0.9946557,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.07210814952850342},{"word":"that","start":205.725,"end":205.965,"confidence":0.9997999,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.120285727083683},{"word":"will","start":205.965,"end":206.365,"confidence":0.9962863,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09474075585603714},{"word":"will","start":206.365,"end":206.605,"confidence":0.9341637,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1068485900759697},{"word":"create","start":206.605,"end":207.005,"confidence":0.99981683,"punctuated_word":"create","sentiment":"neutral","sentiment_score":0.1012348085641861},{"word":"a","start":207.005,"end":207.165,"confidence":0.99919075,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17125146090984344},{"word":"trust","start":207.165,"end":207.485,"confidence":0.9997278,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.19496282935142517},{"word":"fund","start":207.485,"end":207.985,"confidence":0.8835054,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.1976299583911896},{"word":"and","start":208.205,"end":208.445,"confidence":0.9990403,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17776918411254883},{"word":"what","start":208.445,"end":208.605,"confidence":0.9999343,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18695823848247528},{"word":"you","start":208.605,"end":208.765,"confidence":0.9999405,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17499518394470215},{"word":"can","start":208.765,"end":209.005,"confidence":0.99989474,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17163656651973724},{"word":"do","start":209.005,"end":209.325,"confidence":0.9997762,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17741188406944275},{"word":"is","start":209.325,"end":209.565,"confidence":0.9996842,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16123469173908234},{"word":"you","start":209.565,"end":209.725,"confidence":0.998747,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18159452080726624},{"word":"can","start":209.725,"end":209.885,"confidence":0.99984384,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1850927621126175},{"word":"put","start":209.885,"end":210.045,"confidence":0.96710014,"punctuated_word":"put,","sentiment":"neutral","sentiment_score":0.1361081898212433},{"word":"like","start":210.045,"end":210.285,"confidence":0.99924576,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.16356125473976135},{"word":"a","start":210.285,"end":210.365,"confidence":0.5816479,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20191003382205963},{"word":"superannuation","start":210.365,"end":210.865,"confidence":0.9987219,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.1745561808347702},{"word":"in","start":211.245,"end":211.325,"confidence":0.9997545,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14256444573402405},{"word":"there","start":211.325,"end":211.825,"confidence":0.99535036,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.15745887160301208},{"word":"your","start":212.045,"end":212.445,"confidence":0.997006,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1762501299381256},{"word":"cash","start":212.445,"end":212.925,"confidence":0.9994153,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.1674780249595642},{"word":"your","start":212.925,"end":213.405,"confidence":0.9999019,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17490817606449127},{"word":"life","start":213.405,"end":213.725,"confidence":0.99976593,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.17224052548408508},{"word":"insurance","start":213.725,"end":214.225,"confidence":0.93995714,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.15272106230258942},{"word":"and","start":214.285,"end":214.445,"confidence":0.99989223,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15289989113807678},{"word":"so","start":214.445,"end":214.685,"confidence":0.9966972,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14271655678749084},{"word":"on","start":214.685,"end":215.165,"confidence":0.9575753,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.13647149503231049},{"word":"and","start":215.165,"end":215.405,"confidence":0.999587,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15204885601997375},{"word":"you","start":215.405,"end":215.485,"confidence":0.99990964,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1807437241077423},{"word":"can","start":215.485,"end":215.725,"confidence":0.9998667,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18165242671966553},{"word":"then","start":215.725,"end":216.125,"confidence":0.99989927,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16860555112361908},{"word":"distribute","start":216.125,"end":216.605,"confidence":0.99936694,"punctuated_word":"distribute","sentiment":"neutral","sentiment_score":0.19601896405220032},{"word":"out","start":216.605,"end":216.845,"confidence":0.87700284,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.2154308259487152},{"word":"okay","start":216.845,"end":217.165,"confidence":0.7893412,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2167030423879623},{"word":"i","start":217.165,"end":217.325,"confidence":0.99985886,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20734292268753052},{"word":"want","start":217.325,"end":217.485,"confidence":0.99987483,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.21574124693870544},{"word":"this","start":217.485,"end":217.725,"confidence":0.9998342,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1937442272901535},{"word":"to","start":217.725,"end":217.885,"confidence":0.99979216,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18373042345046997},{"word":"be","start":217.885,"end":218.045,"confidence":0.9998783,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2092119008302689},{"word":"given","start":218.045,"end":218.365,"confidence":0.99951863,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.2617540955543518},{"word":"out","start":218.365,"end":218.525,"confidence":0.99973506,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.32256409525871277},{"word":"as","start":218.525,"end":218.765,"confidence":0.9998233,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2606322765350342},{"word":"an","start":218.765,"end":218.925,"confidence":0.9927289,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2782844305038452},{"word":"income","start":218.925,"end":219.425,"confidence":0.99995697,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3372519612312317},{"word":"to","start":219.75,"end":219.91,"confidence":0.9998017,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23606781661510468},{"word":"the","start":219.91,"end":220.07,"confidence":0.9987883,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22791419923305511},{"word":"kids","start":220.07,"end":220.31,"confidence":0.9997391,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.28671330213546753},{"word":"until","start":220.31,"end":220.71,"confidence":0.9996892,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.14451628923416138},{"word":"they're","start":220.71,"end":220.95,"confidence":0.9989492,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.10604552924633026},{"word":"18","start":220.95,"end":221.27,"confidence":0.99962854,"punctuated_word":"18","sentiment":"neutral","sentiment_score":0.11804572492837906},{"word":"or","start":221.27,"end":221.59,"confidence":0.9982462,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11023248732089996},{"word":"25","start":221.59,"end":222.41,"confidence":0.9813572,"punctuated_word":"25,","sentiment":"neutral","sentiment_score":0.1294337660074234},{"word":"and","start":222.47,"end":222.63,"confidence":0.9997845,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14150775969028473},{"word":"then","start":222.63,"end":222.87,"confidence":0.99986863,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14609111845493317},{"word":"they","start":222.87,"end":223.03,"confidence":0.9999044,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1009429395198822},{"word":"get","start":223.03,"end":223.27,"confidence":0.99986064,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1907744407653809},{"word":"full","start":223.27,"end":223.75,"confidence":0.9994005,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.25572407245635986},{"word":"ownership","start":223.75,"end":224.25,"confidence":0.99969614,"punctuated_word":"ownership","sentiment":"neutral","sentiment_score":0.21221965551376343},{"word":"over","start":224.31,"end":224.55,"confidence":0.9993437,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2996559739112854},{"word":"the","start":224.55,"end":224.71,"confidence":0.99973243,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26190879940986633},{"word":"funds","start":224.71,"end":225.21,"confidence":0.99839586,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.2568567395210266},{"word":"so","start":227.03,"end":227.35,"confidence":0.9948362,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11290287971496582},{"word":"that's","start":227.35,"end":227.75,"confidence":0.9997976,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13327263295650482},{"word":"kind","start":227.75,"end":227.91,"confidence":0.9922718,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06889611482620239},{"word":"of","start":227.91,"end":227.99,"confidence":0.9999052,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08603537082672119},{"word":"like","start":227.99,"end":228.15,"confidence":0.7794586,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0986277386546135},{"word":"a","start":228.15,"end":228.31,"confidence":0.9985454,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13211937248706818},{"word":"structure","start":228.31,"end":228.63,"confidence":0.999666,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.093992717564106},{"word":"that","start":228.63,"end":228.79,"confidence":0.9971692,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11189646273851396},{"word":"you've","start":228.79,"end":229.03,"confidence":0.99716455,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1032724305987358},{"word":"gotta","start":229.03,"end":229.27,"confidence":0.5831638,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.12440235912799837},{"word":"put","start":229.27,"end":229.43,"confidence":0.99937147,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.15783590078353882},{"word":"in","start":229.43,"end":229.59,"confidence":0.99890196,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12868721783161163},{"word":"place","start":229.59,"end":229.83,"confidence":0.9998448,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.22560635209083557},{"word":"where","start":229.83,"end":229.99,"confidence":0.88124603,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.16191045939922333},{"word":"you","start":229.99,"end":230.15,"confidence":0.9998789,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1660046428442001},{"word":"just","start":230.15,"end":230.39,"confidence":0.9994531,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17758366465568542},{"word":"put","start":230.39,"end":230.47,"confidence":0.99973327,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.107050783932209},{"word":"in","start":230.47,"end":230.63,"confidence":0.9979767,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11510816216468812},{"word":"place","start":230.63,"end":230.87,"confidence":0.9855945,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.211911141872406},{"word":"this","start":230.87,"end":231.11,"confidence":0.8416852,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1868615597486496},{"word":"one","start":231.11,"end":231.27,"confidence":0.99626285,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10823851823806764},{"word":"will","start":231.27,"end":231.77,"confidence":0.9651022,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.014420738443732262},{"word":"you","start":232.10501,"end":232.26501,"confidence":0.9994815,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.29546642303466797},{"word":"can","start":232.26501,"end":232.425,"confidence":0.99965763,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.31300798058509827},{"word":"nominate","start":232.425,"end":232.925,"confidence":0.9995396,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.24263571202754977},{"word":"the","start":232.985,"end":233.30501,"confidence":0.99877805,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3169427514076233},{"word":"beneficiaries","start":233.30501,"end":233.785,"confidence":0.9987226,"punctuated_word":"beneficiaries","sentiment":"positive","sentiment_score":0.3746512532234192},{"word":"for","start":233.785,"end":233.945,"confidence":0.9756443,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3300563395023346},{"word":"your","start":233.945,"end":234.10501,"confidence":0.9825032,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34984567761421204},{"word":"super","start":234.10501,"end":234.505,"confidence":0.97550577,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4466369152069092},{"word":"to","start":234.505,"end":234.585,"confidence":0.9708608,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3135809898376465},{"word":"go","start":234.585,"end":234.90501,"confidence":0.99919564,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.34019455313682556},{"word":"to","start":234.90501,"end":235.065,"confidence":0.9990397,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3193817734718323},{"word":"your","start":235.065,"end":235.30501,"confidence":0.99959844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29221227765083313},{"word":"estate","start":235.30501,"end":235.80501,"confidence":0.9616871,"punctuated_word":"estate,","sentiment":"neutral","sentiment_score":0.27496325969696045},{"word":"which","start":236.02501,"end":236.345,"confidence":0.9999486,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.26248088479042053},{"word":"then","start":236.345,"end":236.505,"confidence":0.9954007,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17504960298538208},{"word":"gets","start":236.505,"end":236.82501,"confidence":0.9997768,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.19369256496429443},{"word":"controlled","start":236.82501,"end":237.30501,"confidence":0.9988707,"punctuated_word":"controlled","sentiment":"neutral","sentiment_score":0.31631264090538025},{"word":"by","start":237.30501,"end":237.46501,"confidence":0.9997359,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.25819581747055054},{"word":"the","start":237.46501,"end":237.54501,"confidence":0.9997446,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2407441884279251},{"word":"will","start":237.54501,"end":238.02501,"confidence":0.9991284,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.2636205554008484},{"word":"it's","start":238.02501,"end":238.26501,"confidence":0.9997542,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3387502133846283},{"word":"called","start":238.26501,"end":238.76501,"confidence":0.99984026,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.2725427448749542},{"word":"an","start":238.985,"end":239.30501,"confidence":0.7207891,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.3397027254104614},{"word":"lpr","start":239.30501,"end":239.80501,"confidence":0.99494606,"punctuated_word":"LPR","sentiment":"neutral","sentiment_score":0.22407515347003937},{"word":"nomination","start":239.865,"end":240.365,"confidence":0.97342336,"punctuated_word":"nomination.","sentiment":"neutral","sentiment_score":0.224879652261734},{"word":"it","start":240.66501,"end":240.82501,"confidence":0.7620383,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.22802574932575223},{"word":"just","start":240.82501,"end":240.985,"confidence":0.9981475,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17091846466064453},{"word":"sends","start":240.985,"end":241.30501,"confidence":0.995535,"punctuated_word":"sends","sentiment":"neutral","sentiment_score":0.22074295580387115},{"word":"it","start":241.30501,"end":241.54501,"confidence":0.99920577,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30095088481903076},{"word":"to","start":241.54501,"end":241.705,"confidence":0.9985304,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28592851758003235},{"word":"your","start":241.705,"end":241.945,"confidence":0.99932325,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2696967124938965},{"word":"estate","start":241.945,"end":242.445,"confidence":0.9881856,"punctuated_word":"estate.","sentiment":"neutral","sentiment_score":0.2372221052646637},{"word":"k","start":244.12001,"end":244.44,"confidence":0.82730424,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.11525361239910126},{"word":"so","start":244.44,"end":244.76001,"confidence":0.99970204,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17947322130203247},{"word":"i","start":244.76001,"end":244.92001,"confidence":0.9994319,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22495420277118683},{"word":"just","start":244.92001,"end":245.0,"confidence":0.98944926,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20452791452407837},{"word":"wanted","start":245.0,"end":245.12,"confidence":0.54482424,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2150493711233139},{"word":"to","start":245.12,"end":245.24,"confidence":0.9981858,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28840333223342896},{"word":"broach","start":245.24,"end":245.48001,"confidence":0.7037412,"punctuated_word":"broach","sentiment":"neutral","sentiment_score":0.2672763168811798},{"word":"that","start":245.48001,"end":245.64,"confidence":0.99968886,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36839577555656433},{"word":"with","start":245.64,"end":245.72,"confidence":0.9996977,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.37294596433639526},{"word":"you","start":245.72,"end":245.88,"confidence":0.99993455,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3870742619037628},{"word":"because","start":245.88,"end":246.04001,"confidence":0.87794334,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.17770403623580933},{"word":"there's","start":246.04001,"end":246.20001,"confidence":0.99120975,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.35514891147613525},{"word":"kind","start":246.20001,"end":246.36,"confidence":0.9923258,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.31881460547447205},{"word":"of","start":246.36,"end":246.52,"confidence":0.99970883,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4226851463317871},{"word":"two","start":246.52,"end":246.6,"confidence":0.9997732,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.24258559942245483},{"word":"options","start":246.6,"end":247.0,"confidence":0.99986005,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.179999440908432},{"word":"here","start":247.0,"end":247.08,"confidence":0.99835336,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.2952379286289215},{"word":"you","start":247.08,"end":247.24,"confidence":0.999897,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.26608526706695557},{"word":"can","start":247.24,"end":247.40001,"confidence":0.9991208,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2558627128601074},{"word":"kind","start":247.40001,"end":247.56001,"confidence":0.9948427,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.26427096128463745},{"word":"of","start":247.56001,"end":247.72,"confidence":0.9998895,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2975543737411499},{"word":"just","start":247.72,"end":247.88,"confidence":0.9991573,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2772512435913086},{"word":"directly","start":247.88,"end":248.28,"confidence":0.9999244,"punctuated_word":"directly","sentiment":"neutral","sentiment_score":0.3167499601840973},{"word":"nominate","start":248.28,"end":248.6,"confidence":0.9998209,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.24469411373138428},{"word":"the","start":248.6,"end":248.76001,"confidence":0.99912435,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2973601818084717},{"word":"children","start":248.76001,"end":249.26001,"confidence":0.9639295,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.2901609539985657},{"word":"and","start":249.48001,"end":249.72,"confidence":0.99965274,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3256375193595886},{"word":"then","start":249.72,"end":249.96,"confidence":0.9998934,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.23425115644931793},{"word":"that's","start":249.96,"end":250.36,"confidence":0.99955535,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3147159516811371},{"word":"how","start":250.36,"end":250.6,"confidence":0.9997849,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1776597499847412},{"word":"the","start":250.6,"end":250.76001,"confidence":0.99984777,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3346784710884094},{"word":"funds","start":250.76001,"end":251.16,"confidence":0.99978405,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.28089267015457153},{"word":"would","start":251.16,"end":251.32,"confidence":0.99985933,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.31260424852371216},{"word":"be","start":251.32,"end":251.56001,"confidence":0.99989045,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2917516529560089},{"word":"kind","start":251.56001,"end":251.72,"confidence":0.9884852,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.22178664803504944},{"word":"of","start":251.72,"end":251.96,"confidence":0.99992335,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35031822323799133},{"word":"allocated","start":251.96,"end":252.44,"confidence":0.9996526,"punctuated_word":"allocated","sentiment":"neutral","sentiment_score":0.27271270751953125},{"word":"and","start":252.44,"end":252.68001,"confidence":0.4677275,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3090905547142029},{"word":"whoever","start":252.68001,"end":253.0,"confidence":0.9964715,"punctuated_word":"whoever","sentiment":"neutral","sentiment_score":0.29433977603912354},{"word":"looks","start":253.0,"end":253.24,"confidence":0.9799469,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.20492462813854215},{"word":"after","start":253.24,"end":253.40001,"confidence":0.9937947,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.219285786151886},{"word":"your","start":253.40001,"end":253.64,"confidence":0.957395,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2420966774225235},{"word":"youngest","start":253.64,"end":254.12001,"confidence":0.999238,"punctuated_word":"youngest","sentiment":"neutral","sentiment_score":0.23879513144493103},{"word":"would","start":254.12001,"end":254.36,"confidence":0.9927751,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.22133271396160129},{"word":"control","start":254.36,"end":254.76001,"confidence":0.99967587,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.20523707568645477},{"word":"the","start":254.76001,"end":254.92001,"confidence":0.9994893,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19267576932907104},{"word":"funds","start":254.92001,"end":255.42001,"confidence":0.80314803,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.20233604311943057},{"word":"or","start":255.96,"end":256.46002,"confidence":0.99909747,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11417639255523682},{"word":"you","start":256.625,"end":256.70502,"confidence":0.9998982,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21477825939655304},{"word":"could","start":256.70502,"end":256.945,"confidence":0.9627325,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.18407103419303897},{"word":"aim","start":256.945,"end":257.18503,"confidence":0.611777,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":0.2910078763961792},{"word":"it","start":257.18503,"end":257.345,"confidence":0.9966364,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24153117835521695},{"word":"towards","start":257.345,"end":257.74503,"confidence":0.9992926,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.30055809020996094},{"word":"a","start":257.74503,"end":257.825,"confidence":0.94726187,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32773128151893616},{"word":"will","start":257.825,"end":258.14502,"confidence":0.97747487,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3134385943412781},{"word":"and","start":258.14502,"end":258.30502,"confidence":0.9917064,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21909737586975095},{"word":"set","start":258.30502,"end":258.46503,"confidence":0.9767477,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.26020100712776184},{"word":"up","start":258.46503,"end":258.625,"confidence":0.8200762,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.20590513944625857},{"word":"like","start":258.625,"end":258.86502,"confidence":0.9954827,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.17440932989120483},{"word":"a","start":258.86502,"end":259.105,"confidence":0.99892515,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22500553727149963},{"word":"a","start":259.105,"end":259.265,"confidence":0.9841292,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20536074042320251},{"word":"triggering","start":259.265,"end":259.765,"confidence":0.99861,"punctuated_word":"triggering","sentiment":"neutral","sentiment_score":0.19160547852516177},{"word":"trust","start":259.825,"end":260.225,"confidence":0.99842024,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.18221011757850647},{"word":"fund","start":260.225,"end":260.725,"confidence":0.98280835,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.14395466446876526},{"word":"yes","start":278.5,"end":279.0,"confidence":0.84073025,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.10467308014631271},{"word":"yeah","start":294.53,"end":294.84998,"confidence":0.75101566,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.042699821293354034},{"word":"yep","start":294.84998,"end":295.34998,"confidence":0.9610204,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.032847777009010315},{"word":"exactly","start":301.81,"end":302.31,"confidence":0.9939101,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.07364892214536667},{"word":"yeah","start":334.175,"end":334.575,"confidence":0.9215553,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1811372935771942},{"word":"so","start":334.575,"end":335.055,"confidence":0.9946965,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2406248450279236},{"word":"that's","start":335.055,"end":335.535,"confidence":0.99963695,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.34655579924583435},{"word":"exactly","start":335.535,"end":336.015,"confidence":0.9997844,"punctuated_word":"exactly","sentiment":"negative","sentiment_score":-0.41917458176612854},{"word":"what","start":336.015,"end":336.255,"confidence":0.9999325,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.4036599099636078},{"word":"i'm","start":336.255,"end":336.335,"confidence":0.9999639,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.4413523077964782},{"word":"worried","start":336.335,"end":336.655,"confidence":0.9999653,"punctuated_word":"worried","sentiment":"negative","sentiment_score":-0.4575030207633972},{"word":"about","start":336.655,"end":336.895,"confidence":0.9995671,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.591537356376648},{"word":"because","start":336.895,"end":337.135,"confidence":0.83436245,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2777203321456909},{"word":"that","start":337.135,"end":337.295,"confidence":0.9996068,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3314577043056488},{"word":"happens","start":337.295,"end":337.695,"confidence":0.99986184,"punctuated_word":"happens","sentiment":"negative","sentiment_score":-0.4272421300411224},{"word":"a","start":337.695,"end":337.855,"confidence":0.99987435,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.41884785890579224},{"word":"lot","start":337.855,"end":338.335,"confidence":0.99981445,"punctuated_word":"lot","sentiment":"negative","sentiment_score":-0.35715973377227783},{"word":"where","start":338.335,"end":338.835,"confidence":0.6382696,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.30912694334983826},{"word":"money","start":338.895,"end":339.215,"confidence":0.999926,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.07269864529371262},{"word":"is","start":339.215,"end":339.375,"confidence":0.9995061,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08955775201320648},{"word":"left","start":339.375,"end":339.695,"confidence":0.9999379,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.1359272599220276},{"word":"to","start":339.695,"end":340.195,"confidence":0.99923503,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11736541241407394},{"word":"children","start":340.255,"end":340.73502,"confidence":0.9999336,"punctuated_word":"children","sentiment":"neutral","sentiment_score":-0.07923322916030884},{"word":"that","start":340.73502,"end":340.895,"confidence":0.99967897,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12235574424266817},{"word":"are","start":340.895,"end":341.055,"confidence":0.9988128,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10274653136730194},{"word":"under","start":341.055,"end":341.215,"confidence":0.9999378,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.10028143227100372},{"word":"the","start":341.215,"end":341.375,"confidence":0.99935824,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08451318740844727},{"word":"age","start":341.375,"end":341.535,"confidence":0.99990153,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.0690532773733139},{"word":"of","start":341.535,"end":341.695,"confidence":0.998201,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07728809863328934},{"word":"18","start":341.695,"end":342.195,"confidence":0.84029126,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":-0.06495589017868042},{"word":"and","start":342.37997,"end":342.62,"confidence":0.99979633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07124213874340057},{"word":"then","start":342.62,"end":342.94,"confidence":0.9999335,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.044632960110902786},{"word":"everybody","start":342.94,"end":343.34,"confidence":0.999433,"punctuated_word":"everybody","sentiment":"neutral","sentiment_score":-0.1166938990354538},{"word":"comes","start":343.34,"end":343.58,"confidence":0.9998996,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.09732088446617126},{"word":"out","start":343.58,"end":343.81998,"confidence":0.99848205,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1336461454629898},{"word":"of","start":343.81998,"end":343.9,"confidence":0.99460185,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15043361485004425},{"word":"the","start":343.9,"end":343.97998,"confidence":0.9923355,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12053918093442915},{"word":"woodworks","start":343.97998,"end":344.46,"confidence":0.76604396,"punctuated_word":"woodworks,","sentiment":"neutral","sentiment_score":-0.07819145917892456},{"word":"and","start":344.46,"end":344.62,"confidence":0.9996742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0219450443983078},{"word":"whoever","start":344.62,"end":345.02,"confidence":0.99992585,"punctuated_word":"whoever","sentiment":"neutral","sentiment_score":-0.07520509511232376},{"word":"ends","start":345.02,"end":345.25998,"confidence":0.99981743,"punctuated_word":"ends","sentiment":"neutral","sentiment_score":-0.07027997076511383},{"word":"up","start":345.25998,"end":345.41998,"confidence":0.9994603,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.08552403002977371},{"word":"getting","start":345.41998,"end":345.74,"confidence":0.98493814,"punctuated_word":"getting,","sentiment":"neutral","sentiment_score":-0.0796685516834259},{"word":"like","start":345.74,"end":345.97998,"confidence":0.9998286,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.09542842209339142},{"word":"custody","start":345.97998,"end":346.47998,"confidence":0.9998566,"punctuated_word":"custody","sentiment":"neutral","sentiment_score":-0.1353750377893448},{"word":"gets","start":346.62,"end":346.94,"confidence":0.9691094,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.11714601516723631},{"word":"control","start":346.94,"end":347.41998,"confidence":0.99937433,"punctuated_word":"control","sentiment":"neutral","sentiment_score":-0.12240713089704514},{"word":"over","start":347.41998,"end":347.65997,"confidence":0.9984994,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.05879694223403931},{"word":"your","start":347.65997,"end":347.9,"confidence":0.9997118,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08618101477622986},{"word":"funds","start":347.9,"end":348.4,"confidence":0.8070549,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.04204922169446945},{"word":"and","start":348.53998,"end":348.78,"confidence":0.99897397,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05035347491502762},{"word":"that's","start":348.78,"end":349.09998,"confidence":0.99995035,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12669554352760315},{"word":"exactly","start":349.09998,"end":349.59998,"confidence":0.99951625,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.20070889592170715},{"word":"why","start":349.74,"end":350.24,"confidence":0.99951804,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.09811237454414368},{"word":"we","start":350.46,"end":350.62,"confidence":0.9996687,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2174802124500275},{"word":"do","start":350.62,"end":350.86,"confidence":0.99987304,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23694488406181335},{"word":"things","start":350.86,"end":351.18,"confidence":0.9998272,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.24204391241073608},{"word":"like","start":351.18,"end":351.41998,"confidence":0.9635181,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.21716566383838656},{"word":"a","start":351.41998,"end":351.5,"confidence":0.9905183,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23296992480754852},{"word":"testamentary","start":351.5,"end":352.0,"confidence":0.99850243,"punctuated_word":"testamentary","sentiment":"neutral","sentiment_score":0.1866251528263092},{"word":"trust","start":352.3,"end":352.8,"confidence":0.99721456,"punctuated_word":"trust.","sentiment":"neutral","sentiment_score":0.13908204436302185},{"word":"so","start":354.75497,"end":354.91498,"confidence":0.99912876,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0064198412001132965},{"word":"you've","start":354.91498,"end":355.155,"confidence":0.7763376,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.004919788800179958},{"word":"gotta","start":355.155,"end":355.47498,"confidence":0.6262734,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.005425634793937206},{"word":"essentially","start":355.47498,"end":355.875,"confidence":0.9575576,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.03676517307758331},{"word":"do","start":355.875,"end":356.03497,"confidence":0.99978393,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05398232117295265},{"word":"it","start":356.03497,"end":356.19498,"confidence":0.99991167,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0244111567735672},{"word":"in","start":356.19498,"end":356.35498,"confidence":0.99848664,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0023118630051612854},{"word":"two","start":356.35498,"end":356.595,"confidence":0.99991953,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0002750009298324585},{"word":"steps","start":356.595,"end":356.995,"confidence":0.99594414,"punctuated_word":"steps.","sentiment":"neutral","sentiment_score":0.026661070063710213},{"word":"right","start":356.995,"end":357.235,"confidence":0.9995135,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.0030685868114233017},{"word":"like","start":357.235,"end":357.47498,"confidence":0.986953,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.032620660960674286},{"word":"we","start":357.47498,"end":357.63498,"confidence":0.99988294,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.056878890842199326},{"word":"can't","start":357.63498,"end":357.955,"confidence":0.9997791,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.16264228522777557},{"word":"submit","start":357.955,"end":358.275,"confidence":0.99984705,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":-0.1549079567193985},{"word":"a","start":358.275,"end":358.51498,"confidence":0.9997528,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2330513894557953},{"word":"beneficiary","start":358.51498,"end":359.01498,"confidence":0.9998267,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":-0.10178479552268982},{"word":"to","start":359.315,"end":359.555,"confidence":0.9995802,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2083592712879181},{"word":"the","start":359.555,"end":359.79498,"confidence":0.998114,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05920305848121643},{"word":"superfund","start":359.79498,"end":360.29498,"confidence":0.7823596,"punctuated_word":"Superfund","sentiment":"neutral","sentiment_score":0.01102527230978012},{"word":"with","start":360.35498,"end":360.595,"confidence":0.99029607,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.15525059401988983},{"word":"your","start":360.595,"end":360.75497,"confidence":0.9971219,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15289129316806793},{"word":"brother","start":360.75497,"end":361.155,"confidence":0.99951875,"punctuated_word":"brother","sentiment":"neutral","sentiment_score":-0.14095009863376615},{"word":"nominated","start":361.155,"end":361.655,"confidence":0.9671109,"punctuated_word":"nominated.","sentiment":"neutral","sentiment_score":-0.10455221682786942},{"word":"that","start":361.955,"end":362.19498,"confidence":0.9998648,"punctuated_word":"That","sentiment":"negative","sentiment_score":-0.3685367703437805},{"word":"would","start":362.19498,"end":362.35498,"confidence":0.99994195,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.3739962577819824},{"word":"be","start":362.35498,"end":362.595,"confidence":0.9992994,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4172356426715851},{"word":"in","start":362.595,"end":362.675,"confidence":0.7887134,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.432814747095108},{"word":"invalid","start":362.995,"end":363.495,"confidence":0.9857489,"punctuated_word":"invalid.","sentiment":"neutral","sentiment_score":-0.23386791348457336},{"word":"so","start":364.115,"end":364.615,"confidence":0.99967015,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022794663906097412},{"word":"the","start":364.675,"end":364.91498,"confidence":0.9996606,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028459444642066956},{"word":"first","start":364.91498,"end":365.235,"confidence":0.999869,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.05973285436630249},{"word":"step","start":365.235,"end":365.47498,"confidence":0.9998921,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.08865613490343094},{"word":"would","start":365.47498,"end":365.63498,"confidence":0.9998342,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08876438438892365},{"word":"be","start":365.63498,"end":365.79498,"confidence":0.99967086,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08174870908260345},{"word":"to","start":365.79498,"end":365.955,"confidence":0.9880416,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.05737433582544327},{"word":"like","start":365.955,"end":366.115,"confidence":0.99961394,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04164264351129532},{"word":"split","start":366.115,"end":366.435,"confidence":0.99673826,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.05562795698642731},{"word":"it","start":366.435,"end":366.51498,"confidence":0.94687766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06640692800283432},{"word":"between","start":366.51498,"end":366.835,"confidence":0.9996941,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.04683263599872589},{"word":"the","start":366.835,"end":366.91498,"confidence":0.99928856,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06989630311727524},{"word":"kids","start":366.91498,"end":367.235,"confidence":0.9961313,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.04495126008987427},{"word":"so","start":367.235,"end":367.395,"confidence":0.7977033,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10864654183387756},{"word":"it's","start":367.395,"end":367.555,"confidence":0.96202004,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10136179625988008},{"word":"at","start":367.63498,"end":367.79498,"confidence":0.9996532,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05345574766397476},{"word":"least","start":367.79498,"end":368.03497,"confidence":0.9997392,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.0006360411643981934},{"word":"it's","start":368.03497,"end":368.275,"confidence":0.9665346,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07519545406103134},{"word":"in","start":368.275,"end":368.51498,"confidence":0.9998061,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06546741724014282},{"word":"place","start":368.51498,"end":369.01498,"confidence":0.8712703,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.08637546002864838},{"word":"because","start":370.41,"end":370.81,"confidence":0.99968755,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.05002962052822113},{"word":"let's","start":370.81,"end":371.05,"confidence":0.86485875,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.059727758169174194},{"word":"say","start":371.05,"end":371.28998,"confidence":0.9998375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0628596618771553},{"word":"we","start":371.28998,"end":371.44998,"confidence":0.90530485,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07627411931753159},{"word":"did","start":371.44998,"end":371.61,"confidence":0.9994203,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04979235678911209},{"word":"that","start":371.61,"end":371.77,"confidence":0.99972564,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1182713434100151},{"word":"nomination","start":371.77,"end":372.27,"confidence":0.99990654,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.10993783175945282},{"word":"to","start":372.41,"end":372.56998,"confidence":0.99887115,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08573795109987259},{"word":"your","start":372.56998,"end":372.88998,"confidence":0.99949896,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.116276852786541},{"word":"estate","start":372.88998,"end":373.28998,"confidence":0.7365231,"punctuated_word":"estate.","sentiment":"neutral","sentiment_score":0.07331407815217972},{"word":"if","start":373.28998,"end":373.44998,"confidence":0.9995382,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.029428616166114807},{"word":"you","start":373.44998,"end":373.53,"confidence":0.9999299,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01691460609436035},{"word":"don't","start":373.53,"end":373.77,"confidence":0.99998707,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.011243639513850212},{"word":"actually","start":373.77,"end":374.16998,"confidence":0.9990853,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.013132058084011078},{"word":"set","start":374.16998,"end":374.33,"confidence":0.9957353,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.02305271476507187},{"word":"up","start":374.33,"end":374.56998,"confidence":0.99965847,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.009287424385547638},{"word":"that","start":374.56998,"end":374.81,"confidence":0.9998398,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019868239760398865},{"word":"will","start":374.81,"end":375.31,"confidence":0.9976797,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.019594185054302216},{"word":"then","start":375.44998,"end":375.77,"confidence":0.9998516,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.02071512490510941},{"word":"all","start":375.77,"end":375.93,"confidence":0.9995957,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0465853214263916},{"word":"of","start":375.93,"end":376.09,"confidence":0.9999441,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.029520660638809204},{"word":"your","start":376.09,"end":376.41,"confidence":0.998047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.045963503420352936},{"word":"super","start":376.41,"end":376.72998,"confidence":0.9845819,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.032020874321460724},{"word":"and","start":376.72998,"end":376.88998,"confidence":0.9499369,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05665617436170578},{"word":"life","start":376.88998,"end":377.13,"confidence":0.9997819,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.025149762630462646},{"word":"insurance","start":377.13,"end":377.53,"confidence":0.9999045,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.015440598130226135},{"word":"and","start":377.53,"end":377.69,"confidence":0.98604,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04426155984401703},{"word":"all","start":377.69,"end":377.84998,"confidence":0.999933,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.012417562305927277},{"word":"this","start":377.84998,"end":378.16998,"confidence":0.9313012,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02730754017829895},{"word":"goes","start":378.16998,"end":378.49,"confidence":0.9992692,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.029702574014663696},{"word":"to","start":378.49,"end":378.56998,"confidence":0.9984413,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009465508162975311},{"word":"your","start":378.56998,"end":378.81,"confidence":0.9999211,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0013636872172355652},{"word":"name","start":378.81,"end":379.21,"confidence":0.82518107,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":-0.017718221992254257},{"word":"and","start":379.21,"end":379.53,"confidence":0.9994387,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03191995620727539},{"word":"it","start":379.53,"end":379.61,"confidence":0.43906608,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03589055687189102},{"word":"just","start":379.61,"end":379.93,"confidence":0.9745242,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06441015750169754},{"word":"kinda","start":379.93,"end":380.25,"confidence":0.9067332,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.1226363405585289},{"word":"sits","start":380.25,"end":380.49,"confidence":0.9965664,"punctuated_word":"sits","sentiment":"neutral","sentiment_score":-0.162205308675766},{"word":"there","start":380.49,"end":380.65,"confidence":0.7212137,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.15533536672592163},{"word":"and","start":380.65,"end":380.81,"confidence":0.9996525,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13343316316604614},{"word":"then","start":380.81,"end":381.05,"confidence":0.9995115,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.14400476217269895},{"word":"everyone","start":381.05,"end":381.37,"confidence":0.9996051,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.2607879340648651},{"word":"goes","start":381.37,"end":381.61,"confidence":0.9996594,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.28924426436424255},{"word":"to","start":381.61,"end":381.77,"confidence":0.99652857,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3005283772945404},{"word":"court","start":381.77,"end":382.09,"confidence":0.9988738,"punctuated_word":"court","sentiment":"neutral","sentiment_score":-0.2459786832332611},{"word":"to","start":382.09,"end":382.16998,"confidence":0.9964804,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2287224382162094},{"word":"try","start":382.16998,"end":382.33,"confidence":0.99977785,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.24642634391784668},{"word":"and","start":382.33,"end":382.65,"confidence":0.9980042,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.12964271008968353},{"word":"you","start":382.65,"end":382.72998,"confidence":0.9998216,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13760077953338623},{"word":"know","start":382.72998,"end":383.13,"confidence":0.9999385,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.15649327635765076},{"word":"fight","start":383.13,"end":383.37,"confidence":0.999201,"punctuated_word":"fight","sentiment":"neutral","sentiment_score":-0.20715579390525815},{"word":"over","start":383.37,"end":383.69,"confidence":0.9998356,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.2232927680015564},{"word":"who","start":383.69,"end":384.19,"confidence":0.9987967,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.15089184045791626},{"word":"can","start":384.76498,"end":385.005,"confidence":0.99986565,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.11826340854167938},{"word":"can","start":385.005,"end":385.32498,"confidence":0.9965178,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.114188551902771},{"word":"get","start":385.32498,"end":385.645,"confidence":0.99973506,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.18038542568683624},{"word":"it","start":385.645,"end":385.88498,"confidence":0.9996649,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17375299334526062},{"word":"because","start":385.88498,"end":386.285,"confidence":0.83428395,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1774703413248062},{"word":"there's","start":386.285,"end":386.525,"confidence":0.9998021,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2122352570295334},{"word":"no","start":386.525,"end":386.685,"confidence":0.99946946,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.2176212817430496},{"word":"will","start":386.685,"end":386.925,"confidence":0.99939716,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.2539060711860657},{"word":"to","start":386.925,"end":387.085,"confidence":0.9992532,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2155355364084244},{"word":"say","start":387.085,"end":387.245,"confidence":0.9996673,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.21624070405960083},{"word":"what","start":387.245,"end":387.485,"confidence":0.99974066,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.29097864031791687},{"word":"happens","start":387.485,"end":387.805,"confidence":0.9990907,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.29881852865219116},{"word":"to","start":387.805,"end":387.965,"confidence":0.999655,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2549903094768524},{"word":"it","start":387.965,"end":388.465,"confidence":0.9984817,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.22075553238391876},{"word":"so","start":390.445,"end":390.685,"confidence":0.98960704,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03441790118813515},{"word":"what","start":390.685,"end":390.925,"confidence":0.99840826,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.036482635885477066},{"word":"i'm","start":390.925,"end":391.085,"confidence":0.99991757,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.029856141656637192},{"word":"saying","start":391.085,"end":391.32498,"confidence":0.9999478,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.018161263316869736},{"word":"is","start":391.32498,"end":391.565,"confidence":0.9996306,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01968378573656082},{"word":"we","start":391.565,"end":391.725,"confidence":0.97998023,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.042094577103853226},{"word":"basically","start":391.725,"end":392.125,"confidence":0.99137056,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.05473105236887932},{"word":"do","start":392.125,"end":392.205,"confidence":0.99975175,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.054621003568172455},{"word":"a","start":392.205,"end":392.365,"confidence":0.9994715,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07811619341373444},{"word":"two","start":392.365,"end":392.525,"confidence":0.99994385,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04923999682068825},{"word":"step","start":392.525,"end":392.76498,"confidence":0.99990964,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.08539584279060364},{"word":"process","start":392.76498,"end":393.26498,"confidence":0.99992204,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.08882185071706772},{"word":"is","start":393.645,"end":393.88498,"confidence":0.59585536,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08759099990129471},{"word":"you","start":393.88498,"end":393.965,"confidence":0.99623954,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08728059381246567},{"word":"can","start":393.965,"end":394.205,"confidence":0.99835473,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07538445293903351},{"word":"kind","start":394.205,"end":394.365,"confidence":0.7816376,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03675401210784912},{"word":"of","start":394.365,"end":394.525,"confidence":0.99690753,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.060720909386873245},{"word":"split","start":394.525,"end":394.845,"confidence":0.9860561,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.04459957778453827},{"word":"it","start":394.845,"end":394.925,"confidence":0.9794404,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.033743083477020264},{"word":"between","start":394.925,"end":395.245,"confidence":0.99971896,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.012688200920820236},{"word":"the","start":395.245,"end":395.405,"confidence":0.9993254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01138884574174881},{"word":"kits","start":395.405,"end":395.805,"confidence":0.5987636,"punctuated_word":"kits.","sentiment":"neutral","sentiment_score":0.015931198373436928},{"word":"and","start":395.805,"end":396.04498,"confidence":0.9993917,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.035099733620882034},{"word":"then","start":396.04498,"end":396.285,"confidence":0.999846,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03719937801361084},{"word":"as","start":396.285,"end":396.445,"confidence":0.9988651,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.029948659241199493},{"word":"soon","start":396.445,"end":396.685,"confidence":0.9992055,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.015866465866565704},{"word":"as","start":396.685,"end":397.085,"confidence":0.9764534,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0037882551550865178},{"word":"you","start":397.085,"end":397.16498,"confidence":0.59182864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0198962464928627},{"word":"got","start":397.16498,"end":397.405,"confidence":0.74546957,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.022152185440063477},{"word":"that","start":397.405,"end":397.725,"confidence":0.9985877,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022370509803295135},{"word":"will","start":397.725,"end":397.965,"confidence":0.9973991,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.01202545315027237},{"word":"in","start":397.965,"end":398.125,"confidence":0.9995382,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02511962503194809},{"word":"place","start":398.125,"end":398.625,"confidence":0.9996983,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.029747148975729942},{"word":"we","start":398.925,"end":399.405,"confidence":0.99978274,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0527178943157196},{"word":"switch","start":399.405,"end":399.725,"confidence":0.9995179,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.020501237362623215},{"word":"it","start":399.725,"end":400.225,"confidence":0.9979159,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008664175868034363},{"word":"to","start":400.47,"end":400.97,"confidence":0.9980982,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019105110317468643},{"word":"a","start":401.19,"end":401.35,"confidence":0.8465375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04096207022666931},{"word":"lpr","start":401.35,"end":401.85,"confidence":0.9973544,"punctuated_word":"LPR","sentiment":"neutral","sentiment_score":-0.027686603367328644},{"word":"nomination","start":401.91,"end":402.41,"confidence":0.9996244,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.01398247480392456},{"word":"so","start":402.79,"end":402.95,"confidence":0.9849926,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02532104402780533},{"word":"that","start":402.95,"end":403.19,"confidence":0.99984765,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04447191581130028},{"word":"it","start":403.19,"end":403.27002,"confidence":0.9810401,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012803122401237488},{"word":"can","start":403.27002,"end":403.51,"confidence":0.9999001,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.004899173974990845},{"word":"be","start":403.51,"end":404.01,"confidence":0.99993014,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07222860306501389},{"word":"looked","start":404.47,"end":404.79,"confidence":0.9994217,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.06481277942657471},{"word":"after","start":404.79,"end":405.03,"confidence":0.99943024,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.10846032947301865},{"word":"that","start":405.03,"end":405.19,"confidence":0.99909353,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09507443010807036},{"word":"way","start":405.19,"end":405.67,"confidence":0.9998019,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.10806583613157272},{"word":"we","start":405.67,"end":405.83002,"confidence":0.99970824,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.183199942111969},{"word":"can","start":405.83002,"end":405.99002,"confidence":0.9999025,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.12958940863609314},{"word":"do","start":405.99002,"end":406.23,"confidence":0.9999496,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.16174066066741943},{"word":"the","start":406.23,"end":406.39,"confidence":0.9989629,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15787771344184875},{"word":"lpr","start":406.39,"end":406.79,"confidence":0.99868834,"punctuated_word":"LPR","sentiment":"neutral","sentiment_score":-0.19140830636024475},{"word":"nomination","start":406.79,"end":407.29,"confidence":0.9978823,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":-0.16429853439331055},{"word":"now","start":407.43002,"end":407.67,"confidence":0.99407995,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.1615656018257141},{"word":"but","start":407.67,"end":407.91,"confidence":0.99985194,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1718076765537262},{"word":"that's","start":407.91,"end":408.15002,"confidence":0.9953158,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.32070642709732056},{"word":"the","start":408.15002,"end":408.31,"confidence":0.90402794,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.358432412147522},{"word":"risk","start":408.31,"end":408.63,"confidence":0.9986696,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.3722229301929474},{"word":"is","start":408.63,"end":408.87,"confidence":0.77622634,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.44736072421073914},{"word":"that","start":408.87,"end":409.03,"confidence":0.9997372,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4328663647174835},{"word":"it's","start":409.03,"end":409.27002,"confidence":0.9995556,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4621913433074951},{"word":"being","start":409.27002,"end":409.51,"confidence":0.9989335,"punctuated_word":"being","sentiment":"negative","sentiment_score":-0.4343302249908447},{"word":"aimed","start":409.51,"end":409.75,"confidence":0.99986875,"punctuated_word":"aimed","sentiment":"negative","sentiment_score":-0.3559233546257019},{"word":"at","start":409.75,"end":409.91,"confidence":0.99927574,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.35614505410194397},{"word":"your","start":409.91,"end":410.15002,"confidence":0.99977964,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.32301706075668335},{"word":"estate","start":410.15002,"end":410.39,"confidence":0.9896522,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.31182360649108887},{"word":"without","start":410.39,"end":410.79,"confidence":0.9995246,"punctuated_word":"without","sentiment":"negative","sentiment_score":-0.449184387922287},{"word":"a","start":410.79,"end":410.95,"confidence":0.9994419,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.38178345561027527},{"word":"will","start":410.95,"end":411.19,"confidence":0.99966097,"punctuated_word":"will.","sentiment":"negative","sentiment_score":-0.34849101305007935},{"word":"so","start":411.19,"end":411.35,"confidence":0.99970895,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17069555819034576},{"word":"if","start":411.35,"end":411.51,"confidence":0.9995454,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2393500953912735},{"word":"you're","start":411.51,"end":411.67,"confidence":0.99788386,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2682638168334961},{"word":"telling","start":411.67,"end":411.99002,"confidence":0.9997272,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.24241375923156736},{"word":"me","start":411.99002,"end":412.23,"confidence":0.99989974,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.21989260613918304},{"word":"i'll","start":412.23,"end":412.39,"confidence":0.78419167,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.13699069619178772},{"word":"get","start":412.39,"end":412.55002,"confidence":0.9999343,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.10693448781967164},{"word":"that","start":412.55002,"end":412.79,"confidence":0.9991666,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1800433099269867},{"word":"done","start":412.79,"end":413.03,"confidence":0.99967885,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.2174278050661087},{"word":"this","start":413.03,"end":413.27002,"confidence":0.9997867,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10627277195453644},{"word":"year","start":413.27002,"end":413.77002,"confidence":0.9952024,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.06147249788045883},{"word":"that's","start":413.85498,"end":414.255,"confidence":0.99974376,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.07281225919723511},{"word":"okay","start":414.255,"end":414.755,"confidence":0.9965073,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.08186168968677521},{"word":"if","start":414.975,"end":415.215,"confidence":0.99808735,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.20474795997142792},{"word":"it","start":415.215,"end":415.375,"confidence":0.999777,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.22562843561172485},{"word":"may","start":415.375,"end":415.615,"confidence":0.9989755,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.2410026341676712},{"word":"take","start":415.615,"end":415.85498,"confidence":0.999808,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.21255084872245789},{"word":"a","start":415.85498,"end":416.01498,"confidence":0.9994259,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.31591367721557617},{"word":"few","start":416.01498,"end":416.335,"confidence":0.99993765,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.2984985113143921},{"word":"years","start":416.335,"end":416.57498,"confidence":0.999841,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.2743338942527771},{"word":"and","start":416.57498,"end":416.815,"confidence":0.9937867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.271485835313797},{"word":"a","start":416.815,"end":416.895,"confidence":0.96213657,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2586967349052429},{"word":"few","start":416.895,"end":417.13498,"confidence":0.9999511,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.28903451561927795},{"word":"reminders","start":417.13498,"end":417.615,"confidence":0.9986979,"punctuated_word":"reminders","sentiment":"neutral","sentiment_score":-0.24975046515464783},{"word":"to","start":417.615,"end":417.85498,"confidence":0.999435,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2671593427658081},{"word":"do","start":417.85498,"end":418.255,"confidence":0.9984954,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.27670830488204956},{"word":"i","start":418.255,"end":418.415,"confidence":0.9998192,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3475646674633026},{"word":"don't","start":418.415,"end":418.57498,"confidence":0.99997324,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.35681015253067017},{"word":"wanna","start":418.57498,"end":418.895,"confidence":0.8935029,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.40363556146621704},{"word":"kind","start":418.895,"end":419.055,"confidence":0.754595,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.4198475778102875},{"word":"of","start":419.055,"end":419.215,"confidence":0.99914217,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4659205675125122},{"word":"put","start":419.215,"end":419.455,"confidence":0.99953663,"punctuated_word":"put","sentiment":"negative","sentiment_score":-0.5088500380516052},{"word":"something","start":419.455,"end":419.775,"confidence":0.99973756,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.4295841157436371},{"word":"in","start":419.775,"end":419.935,"confidence":0.99968004,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4553547203540802},{"word":"place","start":419.935,"end":420.175,"confidence":0.9996911,"punctuated_word":"place","sentiment":"negative","sentiment_score":-0.4383809566497803},{"word":"that's","start":420.175,"end":420.495,"confidence":0.9992253,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.4568808674812317},{"word":"gonna","start":420.495,"end":420.735,"confidence":0.9868508,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4444906413555145},{"word":"leave","start":420.735,"end":420.975,"confidence":0.9954963,"punctuated_word":"leave","sentiment":"negative","sentiment_score":-0.4734494984149933},{"word":"you","start":420.975,"end":421.13498,"confidence":0.99430543,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5439022779464722},{"word":"in","start":421.13498,"end":421.215,"confidence":0.5875832,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5808064341545105},{"word":"limbo","start":421.215,"end":421.695,"confidence":0.9798395,"punctuated_word":"limbo","sentiment":"negative","sentiment_score":-0.4206639230251312},{"word":"lane","start":421.695,"end":422.195,"confidence":0.83032405,"punctuated_word":"lane.","sentiment":"negative","sentiment_score":-0.38341856002807617},{"word":"well","start":433.15,"end":433.65,"confidence":0.8511925,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.03656438738107681},{"word":"there's","start":433.71002,"end":434.19,"confidence":0.9994645,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.08554252237081528},{"word":"a","start":434.19,"end":434.35,"confidence":0.9987116,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09624138474464417},{"word":"few","start":434.35,"end":434.67,"confidence":0.99995315,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.08167759329080582},{"word":"options","start":434.67,"end":435.15,"confidence":0.9949876,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.055021658539772034},{"word":"so","start":435.15,"end":435.47,"confidence":0.99979955,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0914418250322342},{"word":"you","start":435.47,"end":435.63,"confidence":0.9996605,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11262627691030502},{"word":"can","start":435.63,"end":435.79,"confidence":0.9979862,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12057873606681824},{"word":"actually","start":435.79,"end":436.11002,"confidence":0.9996245,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.09718935936689375},{"word":"go","start":436.11002,"end":436.27002,"confidence":0.99972874,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06522975862026215},{"word":"to","start":436.27002,"end":436.35,"confidence":0.9238657,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.0682663768529892},{"word":"like","start":436.35,"end":436.59,"confidence":0.8623291,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07448576390743256},{"word":"the","start":436.59,"end":437.09,"confidence":0.997511,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06423872709274292},{"word":"the","start":437.55002,"end":437.79,"confidence":0.99799395,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058621276170015335},{"word":"post","start":437.79,"end":438.03,"confidence":0.99855787,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.0359087735414505},{"word":"office","start":438.03,"end":438.35,"confidence":0.999765,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.05519700795412064},{"word":"has","start":438.35,"end":438.59,"confidence":0.99975914,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08870258182287216},{"word":"will","start":438.59,"end":438.75,"confidence":0.94558394,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0799843966960907},{"word":"kits","start":438.75,"end":438.99002,"confidence":0.981141,"punctuated_word":"kits","sentiment":"neutral","sentiment_score":0.07971031218767166},{"word":"for","start":438.99002,"end":439.23,"confidence":0.99962676,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07340122759342194},{"word":"$25","start":439.23,"end":440.21002,"confidence":0.99928033,"punctuated_word":"$25.","sentiment":"neutral","sentiment_score":0.07194003462791443},{"word":"outside","start":441.92502,"end":442.24503,"confidence":0.9805911,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.021111056208610535},{"word":"of","start":442.24503,"end":442.405,"confidence":0.9999074,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.010842908173799517},{"word":"that","start":442.405,"end":442.565,"confidence":0.9994602,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.007637135684490204},{"word":"you've","start":442.565,"end":442.80502,"confidence":0.99981344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.01741357520222664},{"word":"obviously","start":442.80502,"end":443.125,"confidence":0.99699855,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.017148762941360474},{"word":"got","start":443.125,"end":443.36502,"confidence":0.9995827,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.023447755724191666},{"word":"lawyers","start":443.36502,"end":443.765,"confidence":0.9909056,"punctuated_word":"lawyers,","sentiment":"neutral","sentiment_score":-0.03648778423666954},{"word":"which","start":443.765,"end":444.165,"confidence":0.9999418,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.004856184124946594},{"word":"they're","start":444.165,"end":444.325,"confidence":0.9557668,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.02468889020383358},{"word":"not","start":444.325,"end":444.565,"confidence":0.9999511,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1670823097229004},{"word":"too","start":444.565,"end":444.80502,"confidence":0.9998913,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.015862643718719482},{"word":"expensive","start":444.80502,"end":445.30502,"confidence":0.9999393,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":0.04061776399612427},{"word":"for","start":445.445,"end":445.605,"confidence":0.9998685,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1731591522693634},{"word":"a","start":445.605,"end":445.765,"confidence":0.9997297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15910005569458008},{"word":"simple","start":445.765,"end":446.08502,"confidence":0.9981201,"punctuated_word":"simple","sentiment":"neutral","sentiment_score":0.14404726028442383},{"word":"will","start":446.08502,"end":446.58502,"confidence":0.74717003,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.0944204404950142},{"word":"and","start":446.725,"end":446.885,"confidence":0.995756,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09659528732299805},{"word":"then","start":446.885,"end":447.285,"confidence":0.9996997,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10483914613723756},{"word":"you've","start":447.285,"end":447.605,"confidence":0.7066596,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11583572626113892},{"word":"also","start":447.605,"end":448.005,"confidence":0.9665435,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12322718650102615},{"word":"got","start":448.005,"end":448.48502,"confidence":0.95598626,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.10556025803089142},{"word":"like","start":448.48502,"end":448.725,"confidence":0.9990779,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11936721205711363},{"word":"a","start":448.725,"end":448.885,"confidence":0.99986553,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10418783128261566},{"word":"public","start":448.885,"end":449.36502,"confidence":0.9997429,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.1531417965888977},{"word":"trustee","start":449.36502,"end":449.845,"confidence":0.9970409,"punctuated_word":"trustee","sentiment":"neutral","sentiment_score":0.08627815544605255},{"word":"for","start":449.845,"end":450.08502,"confidence":0.99974173,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0983102023601532},{"word":"every","start":450.08502,"end":450.325,"confidence":0.99984455,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.07634685188531876},{"word":"state","start":450.325,"end":450.725,"confidence":0.95318174,"punctuated_word":"state.","sentiment":"neutral","sentiment_score":0.07942713052034378},{"word":"you","start":450.725,"end":450.80502,"confidence":0.9921612,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.05381955206394195},{"word":"know","start":450.80502,"end":450.96503,"confidence":0.9140656,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07852426916360855},{"word":"like","start":450.96503,"end":451.20502,"confidence":0.9386003,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0981978327035904},{"word":"when","start":451.20502,"end":451.36502,"confidence":0.9889804,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08865202963352203},{"word":"you","start":451.36502,"end":451.52502,"confidence":0.99875975,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07760438323020935},{"word":"go","start":451.52502,"end":451.605,"confidence":0.87131774,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.056888312101364136},{"word":"to","start":451.605,"end":451.685,"confidence":0.74954814,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.06367552280426025},{"word":"like","start":451.685,"end":451.845,"confidence":0.9993178,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06898044049739838},{"word":"a","start":451.845,"end":451.92502,"confidence":0.90285486,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06809014081954956},{"word":"courthouse","start":451.92502,"end":452.405,"confidence":0.98484516,"punctuated_word":"courthouse","sentiment":"neutral","sentiment_score":0.04174590855836868},{"word":"and","start":452.405,"end":452.725,"confidence":0.9988023,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.052670933306217194},{"word":"and","start":452.725,"end":452.885,"confidence":0.9588424,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04280771315097809},{"word":"things","start":452.885,"end":453.20502,"confidence":0.99950063,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.047885023057460785},{"word":"like","start":453.20502,"end":453.445,"confidence":0.9997919,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.02716071903705597},{"word":"that","start":453.445,"end":453.945,"confidence":0.98625976,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.08338060975074768},{"word":"they","start":454.09998,"end":454.18,"confidence":0.9995696,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0913785770535469},{"word":"have","start":454.18,"end":454.41998,"confidence":0.9999286,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1064600944519043},{"word":"public","start":454.41998,"end":454.74,"confidence":0.99972814,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.07552141696214676},{"word":"trustees","start":454.74,"end":455.22,"confidence":0.99326754,"punctuated_word":"trustees","sentiment":"neutral","sentiment_score":0.07310540974140167},{"word":"that","start":455.22,"end":455.46,"confidence":0.99210525,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10390722751617432},{"word":"do","start":455.46,"end":455.69998,"confidence":0.9997696,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07916757464408875},{"word":"wills","start":455.69998,"end":456.09998,"confidence":0.9812114,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.0834757536649704},{"word":"and","start":456.09998,"end":456.25998,"confidence":0.99366814,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10946546494960784},{"word":"powers","start":456.25998,"end":456.66,"confidence":0.9996257,"punctuated_word":"powers","sentiment":"neutral","sentiment_score":0.13246528804302216},{"word":"of","start":456.66,"end":456.81998,"confidence":0.9995956,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.059785131365060806},{"word":"attorney","start":456.81998,"end":457.22,"confidence":0.99954814,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.038868486881256104},{"word":"and","start":457.22,"end":457.37997,"confidence":0.997863,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05303574725985527},{"word":"things","start":457.37997,"end":457.62,"confidence":0.9999137,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.031793128699064255},{"word":"like","start":457.62,"end":457.78,"confidence":0.9990808,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03234442323446274},{"word":"that","start":457.78,"end":458.18,"confidence":0.9990827,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05579441040754318},{"word":"similar","start":458.18,"end":458.68,"confidence":0.7605593,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.057356107980012894},{"word":"to","start":458.97998,"end":459.37997,"confidence":0.99891496,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07318665087223053},{"word":"a","start":459.37997,"end":459.62,"confidence":0.99935406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.021943198516964912},{"word":"solicitor","start":459.62,"end":460.12,"confidence":0.998521,"punctuated_word":"solicitor.","sentiment":"neutral","sentiment_score":0.018596891313791275},{"word":"so","start":462.02,"end":462.18,"confidence":0.9914175,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09680645167827606},{"word":"there's","start":462.18,"end":462.5,"confidence":0.9996578,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.115827314555645},{"word":"a","start":462.5,"end":462.58,"confidence":0.99951196,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09842771291732788},{"word":"few","start":462.58,"end":462.81998,"confidence":0.9999802,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.10980595648288728},{"word":"options","start":462.81998,"end":463.3,"confidence":0.9997774,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.10079140961170197},{"word":"there","start":463.3,"end":463.53998,"confidence":0.9976603,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14513295888900757},{"word":"there's","start":463.53998,"end":463.78,"confidence":0.92390364,"punctuated_word":"There's,","sentiment":"neutral","sentiment_score":0.1416430622339249},{"word":"you","start":463.78,"end":463.94,"confidence":0.99910873,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10663258284330368},{"word":"know","start":463.94,"end":464.25998,"confidence":0.9902069,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13169804215431213},{"word":"cheap","start":464.25998,"end":464.58,"confidence":0.68845254,"punctuated_word":"cheap","sentiment":"neutral","sentiment_score":0.1844613403081894},{"word":"will","start":464.58,"end":464.65997,"confidence":0.68804544,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1502673178911209},{"word":"kit","start":464.65997,"end":464.9,"confidence":0.7221421,"punctuated_word":"kit","sentiment":"neutral","sentiment_score":0.1471165269613266},{"word":"can","start":464.9,"end":465.13998,"confidence":0.764707,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1495138853788376},{"word":"get","start":465.13998,"end":465.3,"confidence":0.7267357,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14238768815994263},{"word":"your","start":465.3,"end":465.53998,"confidence":0.98095256,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13950572907924652},{"word":"basic","start":465.53998,"end":465.86,"confidence":0.99954826,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.1245705708861351},{"word":"one","start":465.86,"end":466.36,"confidence":0.99334645,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.1047566384077072},{"word":"i","start":466.41998,"end":466.58,"confidence":0.870059,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13394509255886078},{"word":"would","start":466.58,"end":466.74,"confidence":0.9974113,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17133964598178864},{"word":"go","start":466.74,"end":466.97998,"confidence":0.9998492,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1414746344089508},{"word":"to","start":466.97998,"end":467.06,"confidence":0.9996569,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15057748556137085},{"word":"maybe","start":467.06,"end":467.46,"confidence":0.93206525,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":0.10133753716945648},{"word":"like","start":467.46,"end":467.865,"confidence":0.99594796,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11842185258865356},{"word":"call","start":467.865,"end":468.10498,"confidence":0.999479,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.11069857329130171},{"word":"up","start":468.10498,"end":468.26498,"confidence":0.9995011,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.092825785279274},{"word":"the","start":468.26498,"end":468.505,"confidence":0.9529747,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12152709066867828},{"word":"the","start":468.505,"end":468.745,"confidence":0.7175324,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13123375177383423},{"word":"google","start":468.745,"end":468.905,"confidence":0.742224,"punctuated_word":"Google,","sentiment":"neutral","sentiment_score":0.1142815500497818},{"word":"the","start":468.905,"end":469.065,"confidence":0.998145,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13413189351558685},{"word":"public","start":469.065,"end":469.38498,"confidence":0.9752852,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.17238764464855194},{"word":"trustee","start":469.38498,"end":469.865,"confidence":0.9859812,"punctuated_word":"trustee","sentiment":"neutral","sentiment_score":0.12538056075572968},{"word":"for","start":469.865,"end":470.025,"confidence":0.9286999,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09651140868663788},{"word":"your","start":470.025,"end":470.185,"confidence":0.9984097,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.072578065097332},{"word":"state","start":470.185,"end":470.66498,"confidence":0.9926918,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.1442575454711914},{"word":"and","start":470.66498,"end":470.905,"confidence":0.63344705,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10843875259160995},{"word":"give","start":470.905,"end":471.065,"confidence":0.99992836,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1146392971277237},{"word":"them","start":471.065,"end":471.305,"confidence":0.99991703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1311211884021759},{"word":"a","start":471.305,"end":471.465,"confidence":0.9991518,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12453123182058334},{"word":"call","start":471.465,"end":471.785,"confidence":0.999881,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.09593550115823746},{"word":"and","start":471.785,"end":472.025,"confidence":0.95356375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1019095778465271},{"word":"see","start":472.025,"end":472.185,"confidence":0.9986261,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10083167254924774},{"word":"how","start":472.185,"end":472.345,"confidence":0.99988186,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06796222180128098},{"word":"much","start":472.345,"end":472.505,"confidence":0.9997843,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05585862696170807},{"word":"that","start":472.505,"end":472.66498,"confidence":0.99949825,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.056371454149484634},{"word":"would","start":472.66498,"end":472.905,"confidence":0.9996799,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06901637464761734},{"word":"cost","start":472.905,"end":473.145,"confidence":0.9139439,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.04651384428143501},{"word":"whether","start":473.145,"end":473.38498,"confidence":0.99953365,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.07242991030216217},{"word":"it's","start":473.38498,"end":473.465,"confidence":0.8854572,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":0.03252127021551132},{"word":"you","start":473.465,"end":473.54498,"confidence":0.99610716,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005870424211025238},{"word":"know","start":473.54498,"end":473.705,"confidence":0.99988747,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.020835988223552704},{"word":"$200","start":473.705,"end":474.345,"confidence":0.9912555,"punctuated_word":"$200","sentiment":"neutral","sentiment_score":0.06338812410831451},{"word":"or","start":474.345,"end":474.505,"confidence":0.9985727,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06151995807886124},{"word":"something","start":474.505,"end":474.82498,"confidence":0.99987125,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.02203119546175003},{"word":"like","start":474.82498,"end":474.985,"confidence":0.9994597,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03170996904373169},{"word":"that","start":474.985,"end":475.485,"confidence":0.7962085,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.03954727202653885},{"word":"see","start":475.625,"end":475.785,"confidence":0.99366885,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07177835702896118},{"word":"what","start":475.785,"end":476.025,"confidence":0.9997956,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06158396601676941},{"word":"it's","start":476.025,"end":476.26498,"confidence":0.9950427,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.038179706782102585},{"word":"like","start":476.26498,"end":476.76498,"confidence":0.99925876,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.01599304750561714},{"word":"we","start":483.19,"end":483.67,"confidence":0.5313858,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.4419268071651459},{"word":"we","start":483.67,"end":483.91,"confidence":0.4879414,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.5258076786994934},{"word":"don't","start":483.91,"end":484.15,"confidence":0.9989978,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4104044437408447},{"word":"have","start":484.15,"end":484.31,"confidence":0.9997892,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4376144409179687},{"word":"any","start":484.31,"end":484.55002,"confidence":0.999912,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.4269449710845947},{"word":"kind","start":484.55002,"end":485.05002,"confidence":0.9944186,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.41716060042381287},{"word":"of","start":485.51,"end":485.75,"confidence":0.9999323,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4251959621906281},{"word":"lawyers","start":485.75,"end":486.23,"confidence":0.9983839,"punctuated_word":"lawyers","sentiment":"negative","sentiment_score":-0.35822683572769165},{"word":"to","start":486.23,"end":486.39,"confidence":0.99964905,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.35378724336624146},{"word":"recommend","start":486.39,"end":486.87,"confidence":0.9998313,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":-0.2877900004386902},{"word":"you","start":486.87,"end":487.19,"confidence":0.9993849,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.35643908381462097},{"word":"to","start":487.19,"end":487.43,"confidence":0.98638135,"punctuated_word":"to.","sentiment":"negative","sentiment_score":-0.35082682967185974},{"word":"there","start":487.43,"end":487.67,"confidence":0.9997608,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.19798961281776428},{"word":"is","start":487.67,"end":487.91,"confidence":0.9556838,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.07755166292190552},{"word":"i","start":487.91,"end":487.99,"confidence":0.99979097,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10915107280015944},{"word":"think","start":487.99,"end":488.31,"confidence":0.9957267,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.04587734118103981},{"word":"one","start":488.31,"end":488.63,"confidence":0.9992618,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.08600887656211853},{"word":"that","start":488.63,"end":489.13,"confidence":0.95866126,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06750240921974182},{"word":"possibly","start":489.19,"end":489.69,"confidence":0.7411851,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.07192626595497131},{"word":"could","start":489.83002,"end":490.33002,"confidence":0.9542537,"punctuated_word":"could,","sentiment":"neutral","sentiment_score":-0.07976759970188141},{"word":"but","start":490.79,"end":490.95,"confidence":0.8337486,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08439845591783524},{"word":"i'm","start":490.95,"end":491.11002,"confidence":0.9998342,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.199685201048851},{"word":"not","start":491.11002,"end":491.27002,"confidence":0.9998994,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20111361145973208},{"word":"sure","start":491.27002,"end":491.51,"confidence":0.999938,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.18582913279533383},{"word":"if","start":491.51,"end":491.59,"confidence":0.9994615,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19499099254608152},{"word":"they","start":491.59,"end":491.75,"confidence":0.99899405,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.17737068235874176},{"word":"kind","start":491.75,"end":491.91,"confidence":0.99098957,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.17947334051132202},{"word":"of","start":491.91,"end":492.07,"confidence":0.99946874,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19624459743499756},{"word":"service","start":492.07,"end":492.47,"confidence":0.97429705,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.17353348433971405},{"word":"nationwide","start":492.47,"end":492.97,"confidence":0.98849046,"punctuated_word":"nationwide.","sentiment":"neutral","sentiment_score":-0.17217859625816345},{"word":"that's","start":493.11002,"end":493.35,"confidence":0.99973094,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.12879478931427002},{"word":"all","start":493.35,"end":493.785,"confidence":0.9946914,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.10099107027053832},{"word":"yep","start":503.945,"end":504.185,"confidence":0.86940515,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01171300932765007},{"word":"yeah","start":504.185,"end":504.505,"confidence":0.92317164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01525966264307499},{"word":"so","start":504.505,"end":504.825,"confidence":0.99422073,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04801836609840393},{"word":"what","start":504.825,"end":505.065,"confidence":0.9985909,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07264119386672974},{"word":"i'm","start":505.065,"end":505.225,"confidence":0.9996691,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05211349576711655},{"word":"thinking","start":505.225,"end":505.545,"confidence":0.99944896,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.06647462397813797},{"word":"is","start":505.545,"end":505.70502,"confidence":0.9185866,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.06765583157539368},{"word":"like","start":505.70502,"end":505.945,"confidence":0.9970845,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03153655305504799},{"word":"if","start":505.945,"end":506.105,"confidence":0.9997366,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.028415672481060028},{"word":"you","start":506.105,"end":506.345,"confidence":0.9999049,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05351895093917847},{"word":"do","start":506.345,"end":506.585,"confidence":0.9998357,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.015508010983467102},{"word":"get","start":506.585,"end":506.745,"confidence":0.99978775,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.07299977540969849},{"word":"it","start":506.745,"end":507.06,"confidence":0.99861884,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12419500946998596},{"word":"sorted","start":507.22,"end":507.46,"confidence":0.8544074,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":-0.0802101194858551},{"word":"relatively","start":507.46,"end":507.96,"confidence":0.9995722,"punctuated_word":"relatively","sentiment":"neutral","sentiment_score":0.0006397217512130737},{"word":"soon","start":508.1,"end":508.41998,"confidence":0.99808455,"punctuated_word":"soon,","sentiment":"neutral","sentiment_score":-0.008248783648014069},{"word":"we","start":508.41998,"end":508.58,"confidence":0.9998654,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06624062359333038},{"word":"can","start":508.58,"end":508.82,"confidence":0.99987423,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12001405656337738},{"word":"do","start":508.82,"end":508.9,"confidence":0.99990046,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.060519635677337646},{"word":"that","start":508.9,"end":509.13998,"confidence":0.99974304,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09448283910751344},{"word":"nomination","start":509.13998,"end":509.63998,"confidence":0.99878174,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.02887158095836639},{"word":"i'm","start":509.7,"end":509.94,"confidence":0.975412,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03108230046927929},{"word":"thinking","start":509.94,"end":510.18,"confidence":0.99969983,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.023980721831321716},{"word":"of","start":510.18,"end":510.66,"confidence":0.8396356,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.05014961585402489},{"word":"but","start":510.66,"end":510.74,"confidence":0.9977996,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.19066043198108673},{"word":"i","start":510.74,"end":510.9,"confidence":0.99955815,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.38422778248786926},{"word":"don't","start":510.9,"end":511.06,"confidence":0.9998371,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3356168866157532},{"word":"wanna","start":511.06,"end":511.3,"confidence":0.65496784,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.365790992975235},{"word":"put","start":511.3,"end":511.46,"confidence":0.99765944,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.30269601941108704},{"word":"it","start":511.46,"end":511.62,"confidence":0.9763565,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3236558437347412},{"word":"in","start":511.62,"end":511.78,"confidence":0.8887078,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2949792742729187},{"word":"place","start":511.78,"end":512.1,"confidence":0.9982401,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.31278395652770996},{"word":"now","start":512.1,"end":512.42,"confidence":0.81369275,"punctuated_word":"now,","sentiment":"negative","sentiment_score":-0.3592541217803955},{"word":"and","start":512.42,"end":512.58,"confidence":0.9997807,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2923322916030884},{"word":"then","start":512.58,"end":512.82,"confidence":0.9997583,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.20694145560264587},{"word":"it's","start":512.82,"end":513.06,"confidence":0.9991118,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2881617844104767},{"word":"three","start":513.06,"end":513.22,"confidence":0.999874,"punctuated_word":"three","sentiment":"negative","sentiment_score":-0.33408504724502563},{"word":"years","start":513.22,"end":513.46,"confidence":0.9995932,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.30641546845436096},{"word":"down","start":513.46,"end":513.62,"confidence":0.99983037,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.2900722622871399},{"word":"the","start":513.62,"end":513.7,"confidence":0.9995072,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3160244822502136},{"word":"line","start":513.7,"end":514.02,"confidence":0.9999294,"punctuated_word":"line","sentiment":"neutral","sentiment_score":-0.32855314016342163},{"word":"and","start":514.02,"end":514.18,"confidence":0.6743917,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3089142441749573},{"word":"there's","start":514.18,"end":514.5,"confidence":0.9986023,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.40575549006462097},{"word":"no","start":514.5,"end":514.66,"confidence":0.9975109,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.437044233083725},{"word":"will","start":514.66,"end":515.16,"confidence":0.9958528,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.5354159474372864},{"word":"and","start":515.3,"end":515.54,"confidence":0.6091127,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.42256733775138855},{"word":"then","start":515.54,"end":516.04,"confidence":0.99776936,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.26861006021499634},{"word":"limbo","start":516.26,"end":516.74,"confidence":0.9743036,"punctuated_word":"limbo","sentiment":"negative","sentiment_score":-0.4858128428459167},{"word":"land","start":516.74,"end":516.98,"confidence":0.9213519,"punctuated_word":"land.","sentiment":"negative","sentiment_score":-0.4349821209907532},{"word":"so","start":516.98,"end":517.22,"confidence":0.9994273,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.27568525075912476},{"word":"it's","start":517.22,"end":517.38,"confidence":0.9996253,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.24773147702217105},{"word":"really","start":517.38,"end":517.62,"confidence":0.99981076,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1875355988740921},{"word":"gauging","start":517.62,"end":518.02,"confidence":0.99739873,"punctuated_word":"gauging","sentiment":"neutral","sentiment_score":-0.20163272321224213},{"word":"up","start":518.02,"end":518.18,"confidence":0.99965084,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1763496994972229},{"word":"to","start":518.18,"end":518.34,"confidence":0.9981906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.205284982919693},{"word":"you","start":518.34,"end":518.84,"confidence":0.96959543,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.226278156042099},{"word":"do","start":518.9,"end":519.06,"confidence":0.99451303,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.09705132246017456},{"word":"you","start":519.06,"end":519.14,"confidence":0.99850684,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.059093177318573},{"word":"are","start":519.3,"end":519.38,"confidence":0.998331,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04386056959629059},{"word":"you","start":519.38,"end":519.62,"confidence":0.9996786,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.034152060747146606},{"word":"okay","start":519.62,"end":520.1,"confidence":0.99920624,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.00457879900932312},{"word":"to","start":520.1,"end":520.18,"confidence":0.999445,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.025121048092842106},{"word":"do","start":520.18,"end":520.68,"confidence":0.9997415,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06147606670856476},{"word":"an","start":521.06,"end":521.22,"confidence":0.96192074,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0439685732126236},{"word":"interim","start":521.22,"end":521.7,"confidence":0.99950004,"punctuated_word":"interim","sentiment":"neutral","sentiment_score":-0.05515925586223602},{"word":"nomination","start":521.7,"end":522.2,"confidence":0.9997533,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":-0.03801693022251129},{"word":"now","start":522.34,"end":522.84,"confidence":0.9960114,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.02268768846988678},{"word":"and","start":522.915,"end":523.07495,"confidence":0.95796794,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016428232192993164},{"word":"then","start":523.07495,"end":523.235,"confidence":0.99698955,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03207922726869583},{"word":"fix","start":523.235,"end":523.315,"confidence":0.9986318,"punctuated_word":"fix","sentiment":"neutral","sentiment_score":-0.04780404269695282},{"word":"it","start":523.315,"end":523.39496,"confidence":0.999332,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.033911436796188354},{"word":"up","start":523.39496,"end":523.63495,"confidence":0.9987835,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03951343894004822},{"word":"once","start":523.63495,"end":523.875,"confidence":0.9986028,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.007729277014732361},{"word":"your","start":523.875,"end":524.035,"confidence":0.9345916,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01597626507282257},{"word":"will","start":524.035,"end":524.195,"confidence":0.8811917,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.0003443807363510132},{"word":"is","start":524.195,"end":524.355,"confidence":0.52054447,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.000018611550331115723},{"word":"in","start":524.355,"end":524.435,"confidence":0.99819034,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008945152163505554},{"word":"place","start":524.435,"end":524.675,"confidence":0.8676914,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.015250656753778458},{"word":"or","start":524.675,"end":524.755,"confidence":0.9962502,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.044098928570747375},{"word":"you","start":524.755,"end":524.915,"confidence":0.42716733,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06133559346199035},{"word":"just","start":524.915,"end":525.15497,"confidence":0.98842233,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0663725882768631},{"word":"wanna","start":525.15497,"end":525.39496,"confidence":0.80870813,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0029448792338371277},{"word":"do","start":525.39496,"end":525.555,"confidence":0.99627495,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.057878173887729645},{"word":"that","start":525.555,"end":526.035,"confidence":0.9991208,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04345083981752395},{"word":"skip","start":526.035,"end":526.27496,"confidence":0.6183402,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":-0.04076743870973587},{"word":"ahead","start":526.27496,"end":526.77496,"confidence":0.9955386,"punctuated_word":"ahead?","sentiment":"neutral","sentiment_score":0.00391000509262085},{"word":"yep","start":536.93,"end":537.43,"confidence":0.84104687,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05012337863445282},{"word":"no","start":556.865,"end":557.105,"confidence":0.8749259,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.032039158046245575},{"word":"you","start":557.105,"end":557.265,"confidence":0.9987998,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.02936605364084244},{"word":"don't","start":557.265,"end":557.425,"confidence":0.99986637,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.007938645780086517},{"word":"have","start":557.425,"end":557.585,"confidence":0.9995561,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.002856411039829254},{"word":"to","start":557.585,"end":557.665,"confidence":0.9997987,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06715536117553711},{"word":"do","start":557.665,"end":557.825,"confidence":0.9998833,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.058874547481536865},{"word":"that","start":557.825,"end":558.065,"confidence":0.99910045,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.11144012212753296},{"word":"you","start":558.065,"end":558.22504,"confidence":0.9998944,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0015234500169754028},{"word":"just","start":558.22504,"end":558.385,"confidence":0.99984086,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011561818420886992},{"word":"have","start":558.385,"end":558.545,"confidence":0.99993336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004172585904598236},{"word":"to","start":558.545,"end":558.625,"confidence":0.99979764,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009300686419010162},{"word":"give","start":558.625,"end":558.78503,"confidence":0.9999722,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.009469501674175262},{"word":"us","start":558.78503,"end":558.945,"confidence":0.99986243,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.032854560762643814},{"word":"a","start":558.945,"end":559.025,"confidence":0.99874485,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013171933591365814},{"word":"call","start":559.025,"end":559.265,"confidence":0.99991953,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.0006177052855491638},{"word":"to","start":559.265,"end":559.34503,"confidence":0.99888545,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0067906975746154785},{"word":"let","start":559.34503,"end":559.585,"confidence":0.99994147,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.01444951444864273},{"word":"us","start":559.585,"end":559.665,"confidence":0.9996729,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.003368653357028961},{"word":"know","start":559.665,"end":559.825,"confidence":0.9998336,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.010449595749378204},{"word":"that","start":559.825,"end":559.985,"confidence":0.9997974,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03604797646403313},{"word":"you've","start":559.985,"end":560.305,"confidence":0.99990344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03311525657773018},{"word":"done","start":560.305,"end":560.465,"confidence":0.9999049,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.02917574718594551},{"word":"that","start":560.465,"end":560.965,"confidence":0.99971074,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04098815470933914},{"word":"and","start":561.24,"end":561.74,"confidence":0.9996952,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.001135271042585373},{"word":"to","start":562.07996,"end":562.57996,"confidence":0.9970487,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03819187730550766},{"word":"just","start":562.92,"end":563.24,"confidence":0.9533876,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05377170071005821},{"word":"ask","start":563.24,"end":563.56,"confidence":0.9991216,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.04635981097817421},{"word":"about","start":563.56,"end":563.72,"confidence":0.99967086,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.036255426704883575},{"word":"your","start":563.72,"end":563.96,"confidence":0.9995161,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03977278620004654},{"word":"beneficiaries","start":563.96,"end":564.46,"confidence":0.8194369,"punctuated_word":"beneficiaries,","sentiment":"neutral","sentiment_score":0.04685036838054657},{"word":"and","start":565.16,"end":565.32,"confidence":0.99943155,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.050531335175037384},{"word":"then","start":565.32,"end":565.72,"confidence":0.99991286,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07672189176082611},{"word":"we","start":565.72,"end":565.88,"confidence":0.999686,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09335356950759888},{"word":"can","start":565.88,"end":566.12,"confidence":0.999882,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09292255342006683},{"word":"put","start":566.12,"end":566.36,"confidence":0.9997775,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.05974866449832916},{"word":"in","start":566.36,"end":566.52,"confidence":0.996673,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0689171776175499},{"word":"place","start":566.52,"end":567.0,"confidence":0.99973696,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.07778731733560562},{"word":"that","start":567.0,"end":567.24,"confidence":0.81449974,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0839618667960167},{"word":"you","start":567.24,"end":567.4,"confidence":0.9910041,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06022805720567703},{"word":"know","start":567.4,"end":567.72,"confidence":0.9823209,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06141501665115357},{"word":"redo","start":567.72,"end":568.12,"confidence":0.9992394,"punctuated_word":"redo","sentiment":"neutral","sentiment_score":0.06008393317461014},{"word":"the","start":568.12,"end":568.2,"confidence":0.9997217,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05647330358624458},{"word":"forms","start":568.2,"end":568.6,"confidence":0.99928385,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.02628355473279953},{"word":"with","start":568.6,"end":568.76,"confidence":0.9998847,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04747440665960312},{"word":"you","start":568.76,"end":569.26,"confidence":0.9993079,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.034961551427841187},{"word":"and","start":571.72,"end":572.04,"confidence":0.99750924,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0757601410150528},{"word":"even","start":572.04,"end":572.36,"confidence":0.9988649,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.041243646293878555},{"word":"now","start":572.36,"end":572.6,"confidence":0.9736543,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.025412622839212418},{"word":"like","start":572.6,"end":572.76,"confidence":0.959061,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03291955962777138},{"word":"i'm","start":572.76,"end":573.0,"confidence":0.9998877,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.01990135014057159},{"word":"googling","start":573.0,"end":573.5,"confidence":0.8412275,"punctuated_word":"googling,","sentiment":"neutral","sentiment_score":0.02156658284366131},{"word":"you're","start":573.72,"end":573.88,"confidence":0.997195,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.012305965647101402},{"word":"in","start":573.88,"end":574.12,"confidence":0.9992791,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011817985214293005},{"word":"queensland","start":574.12,"end":574.62,"confidence":0.9904275,"punctuated_word":"Queensland","sentiment":"neutral","sentiment_score":0.03409198671579361},{"word":"in","start":574.68,"end":574.84,"confidence":0.771147,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02089027129113674},{"word":"kirwan","start":574.84,"end":575.24,"confidence":0.8239494,"punctuated_word":"Kirwan,","sentiment":"neutral","sentiment_score":0.01707124337553978},{"word":"aren't","start":575.24,"end":575.48,"confidence":0.9993596,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.027737097814679142},{"word":"you","start":575.48,"end":575.98,"confidence":0.9859495,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.025465846061706543},{"word":"yep","start":576.925,"end":577.245,"confidence":0.969252,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05428022146224976},{"word":"so","start":577.245,"end":577.565,"confidence":0.9950224,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.039305754005908966},{"word":"when","start":577.565,"end":577.805,"confidence":0.99874073,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04021687060594559},{"word":"i","start":577.805,"end":577.96497,"confidence":0.999728,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.049439363181591034},{"word":"google","start":577.96497,"end":578.445,"confidence":0.70392865,"punctuated_word":"Google","sentiment":"neutral","sentiment_score":0.0490863136947155},{"word":"queensland","start":578.445,"end":578.925,"confidence":0.997433,"punctuated_word":"Queensland","sentiment":"neutral","sentiment_score":0.07012485712766647},{"word":"public","start":578.925,"end":579.245,"confidence":0.833468,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.05750599503517151},{"word":"trustee","start":579.245,"end":579.745,"confidence":0.99268544,"punctuated_word":"trustee,","sentiment":"neutral","sentiment_score":0.04796312004327774},{"word":"like","start":580.045,"end":580.285,"confidence":0.899603,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05400601774454117},{"word":"the","start":580.285,"end":580.445,"confidence":0.99953973,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06278713047504425},{"word":"fourth","start":580.445,"end":580.685,"confidence":0.9938022,"punctuated_word":"fourth","sentiment":"neutral","sentiment_score":0.05717945098876953},{"word":"link","start":580.685,"end":581.005,"confidence":0.99336666,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.05178840830922127},{"word":"down","start":581.005,"end":581.40497,"confidence":0.75297284,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.06374979019165039},{"word":"that","start":581.40497,"end":581.64496,"confidence":0.31656143,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06975212693214417},{"word":"all","start":581.64496,"end":581.885,"confidence":0.65138817,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05495684593915939},{"word":"the","start":581.885,"end":582.045,"confidence":0.993771,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050732940435409546},{"word":"links","start":582.045,"end":582.365,"confidence":0.9977883,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.03732408955693245},{"word":"just","start":582.365,"end":582.685,"confidence":0.998509,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04956251382827759},{"word":"show","start":582.685,"end":583.185,"confidence":0.95856047,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.03524200618267059},{"word":"qpt","start":583.245,"end":583.745,"confidence":0.80285645,"punctuated_word":"QPT,","sentiment":"neutral","sentiment_score":0.051116250455379486},{"word":"and","start":584.285,"end":584.52496,"confidence":0.9441881,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.047000687569379807},{"word":"like","start":584.52496,"end":584.76495,"confidence":0.9996127,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04243356734514237},{"word":"the","start":584.76495,"end":584.845,"confidence":0.9987795,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04845673590898514},{"word":"fourth","start":584.845,"end":585.165,"confidence":0.9985688,"punctuated_word":"fourth","sentiment":"neutral","sentiment_score":0.0466686375439167},{"word":"one","start":585.165,"end":585.325,"confidence":0.99169356,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04714904725551605},{"word":"down","start":585.325,"end":585.485,"confidence":0.8394097,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.0446467325091362},{"word":"which","start":585.485,"end":585.725,"confidence":0.8395823,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05016478896141052},{"word":"we","start":585.725,"end":585.805,"confidence":0.580861,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0477292500436306},{"word":"said","start":585.805,"end":586.125,"confidence":0.55186033,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.04639739543199539},{"word":"out","start":586.125,"end":586.365,"confidence":0.5202483,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04221379384398461},{"word":"will","start":586.365,"end":586.605,"confidence":0.35076886,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0429387167096138},{"word":"service","start":586.605,"end":587.005,"confidence":0.84106535,"punctuated_word":"service,","sentiment":"neutral","sentiment_score":0.04108197242021561},{"word":"and","start":587.005,"end":587.165,"confidence":0.9983014,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04810081422328949},{"word":"there's","start":587.165,"end":587.40497,"confidence":0.9212808,"punctuated_word":"there's,","sentiment":"neutral","sentiment_score":0.0507076233625412},{"word":"like","start":587.40497,"end":587.565,"confidence":0.9996866,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.057817261666059494},{"word":"a","start":587.565,"end":587.64496,"confidence":0.99874437,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05495353415608406},{"word":"phone","start":587.64496,"end":587.885,"confidence":0.99968386,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.04572233930230141},{"word":"number","start":587.885,"end":588.125,"confidence":0.9999325,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.03679446876049042},{"word":"there","start":588.125,"end":588.52496,"confidence":0.9332879,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04918172210454941},{"word":"book","start":588.52496,"end":588.76495,"confidence":0.9960104,"punctuated_word":"Book","sentiment":"neutral","sentiment_score":0.05568411201238632},{"word":"an","start":588.76495,"end":588.925,"confidence":0.95155317,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06787287443876266},{"word":"appointment","start":588.925,"end":589.425,"confidence":0.9571817,"punctuated_word":"appointment,","sentiment":"neutral","sentiment_score":0.046567536890506744},{"word":"different","start":590.3,"end":590.8,"confidence":0.9995509,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.03203451633453369},{"word":"physical","start":591.02,"end":591.52,"confidence":0.8785327,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.027406714856624603},{"word":"locations","start":591.58,"end":592.06,"confidence":0.9989807,"punctuated_word":"locations","sentiment":"neutral","sentiment_score":0.015202349051833153},{"word":"you","start":592.06,"end":592.22,"confidence":0.9046791,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04954646900296211},{"word":"can","start":592.22,"end":592.38,"confidence":0.99994504,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.049117714166641235},{"word":"go","start":592.38,"end":592.54,"confidence":0.99979705,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03820153325796127},{"word":"to","start":592.54,"end":592.86,"confidence":0.97974885,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.04311646521091461},{"word":"all","start":592.86,"end":593.02,"confidence":0.9976318,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04447245970368385},{"word":"that","start":593.02,"end":593.18,"confidence":0.99921787,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05757017433643341},{"word":"kind","start":593.18,"end":593.42,"confidence":0.9808292,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04061600938439369},{"word":"of","start":593.42,"end":593.5,"confidence":0.9994185,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.031094418838620182},{"word":"thing","start":593.5,"end":594.0,"confidence":0.9994041,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.04764794185757637},{"word":"cool","start":597.5,"end":597.98,"confidence":0.9978384,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4573529362678528},{"word":"so","start":597.98,"end":598.48,"confidence":0.9996804,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25707486271858215},{"word":"i'll","start":598.54,"end":598.7,"confidence":0.99946964,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2784930467605591},{"word":"put","start":598.7,"end":598.94,"confidence":0.99992347,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2613491415977478},{"word":"in","start":598.94,"end":599.42,"confidence":0.99161035,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2568015456199646},{"word":"to","start":599.42,"end":599.58,"confidence":0.9687904,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20336174964904785},{"word":"do","start":599.58,"end":599.89996,"confidence":0.9987765,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2098987847566605},{"word":"the","start":599.89996,"end":600.38,"confidence":0.9993349,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.269503116607666},{"word":"the","start":600.38,"end":600.45996,"confidence":0.6072483,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23932677507400513},{"word":"fifty","start":600.45996,"end":600.77997,"confidence":0.9994324,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.15512818098068237},{"word":"fifty","start":600.77997,"end":601.02,"confidence":0.985103,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.12332327663898468},{"word":"split","start":601.02,"end":601.33997,"confidence":0.9975133,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.19609636068344116},{"word":"for","start":601.33997,"end":601.5,"confidence":0.99811137,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2410683780908585},{"word":"the","start":601.5,"end":601.66,"confidence":0.99946517,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21396443247795105},{"word":"time","start":601.66,"end":601.82,"confidence":0.99987054,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.24307367205619812},{"word":"being","start":601.82,"end":602.06,"confidence":0.99984217,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.2239188849925995},{"word":"and","start":602.06,"end":602.22,"confidence":0.8546213,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2201814204454422},{"word":"some","start":602.22,"end":602.38,"confidence":0.99955684,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1957321465015411},{"word":"notes","start":602.38,"end":602.62,"confidence":0.9998078,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.18045517802238464},{"word":"that","start":602.62,"end":602.86,"confidence":0.98626155,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20974820852279663},{"word":"we're","start":602.86,"end":603.02,"confidence":0.9600753,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.20993798971176147},{"word":"gonna","start":603.02,"end":603.33997,"confidence":0.9510822,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.22119936347007751},{"word":"look","start":603.33997,"end":603.5,"confidence":0.9993999,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15968340635299683},{"word":"for","start":603.5,"end":604.0,"confidence":0.9995443,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16610532999038696},{"word":"the","start":604.22,"end":604.72,"confidence":0.92413265,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1732933074235916},{"word":"testamentary","start":605.295,"end":605.795,"confidence":0.99698365,"punctuated_word":"testamentary","sentiment":"neutral","sentiment_score":0.24430829286575317},{"word":"trust","start":606.015,"end":606.175,"confidence":0.9968071,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.1476316750049591},{"word":"will","start":606.175,"end":606.675,"confidence":0.81850815,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.186437726020813},{"word":"and","start":609.295,"end":609.795,"confidence":0.9869637,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2636635899543762},{"word":"alright","start":610.495,"end":610.815,"confidence":0.99368536,"punctuated_word":"alright.","sentiment":"positive","sentiment_score":0.34604865312576294},{"word":"so","start":610.815,"end":611.055,"confidence":0.9995689,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4661068916320801},{"word":"that's","start":611.055,"end":611.295,"confidence":0.99981666,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.528041422367096},{"word":"all","start":611.295,"end":611.615,"confidence":0.9997141,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5334316492080688},{"word":"good","start":611.615,"end":612.115,"confidence":0.9995085,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4753607213497162},{"word":"alright","start":612.415,"end":612.735,"confidence":0.99901104,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.26660606265068054},{"word":"so","start":612.735,"end":612.895,"confidence":0.99944645,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22366619110107425},{"word":"the","start":612.895,"end":613.135,"confidence":0.99934727,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27758675813674927},{"word":"next","start":613.135,"end":613.455,"confidence":0.9999733,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.22582675516605377},{"word":"thing","start":613.455,"end":613.77496,"confidence":0.95430493,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.203400656580925},{"word":"i'll","start":613.77496,"end":613.935,"confidence":0.9999286,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1982492208480835},{"word":"put","start":613.935,"end":614.175,"confidence":0.99996173,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.18108858168125153},{"word":"some","start":614.175,"end":614.335,"confidence":0.99992394,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14943662285804749},{"word":"notes","start":614.335,"end":614.575,"confidence":0.99967813,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.12683948874473572},{"word":"in","start":614.575,"end":614.735,"confidence":0.81039345,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.178904190659523},{"word":"file","start":614.735,"end":614.975,"confidence":0.99751544,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.1995936930179596},{"word":"for","start":614.975,"end":615.135,"confidence":0.9996345,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23108631372451785},{"word":"that","start":615.135,"end":615.375,"confidence":0.8482454,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2083769142627716},{"word":"we'll","start":615.375,"end":615.615,"confidence":0.98788214,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.2255922257900238},{"word":"send","start":615.615,"end":615.77496,"confidence":0.9997732,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.19671252369880676},{"word":"you","start":615.77496,"end":615.935,"confidence":0.99725336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21615806221961975},{"word":"out","start":615.935,"end":616.095,"confidence":0.9911487,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.22656208276748657},{"word":"the","start":616.095,"end":616.255,"confidence":0.9736255,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19422480463981628},{"word":"forms","start":616.255,"end":616.755,"confidence":0.95792663,"punctuated_word":"forms,","sentiment":"neutral","sentiment_score":0.20060431957244873},{"word":"get","start":616.815,"end":616.975,"confidence":0.9992974,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23744551837444303},{"word":"that","start":616.975,"end":617.21497,"confidence":0.999925,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23498369753360748},{"word":"organized","start":617.21497,"end":617.71497,"confidence":0.92649007,"punctuated_word":"organized.","sentiment":"neutral","sentiment_score":0.16780328750610352},{"word":"just","start":618.415,"end":618.65497,"confidence":0.8649098,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.10382568836212158},{"word":"with","start":618.65497,"end":618.895,"confidence":0.9997681,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06644601374864578},{"word":"the","start":618.895,"end":619.21497,"confidence":0.99986863,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08062376081943512},{"word":"the","start":619.21497,"end":619.375,"confidence":0.9769338,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07740211486816406},{"word":"superannuation","start":619.375,"end":619.875,"confidence":0.93169653,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.09537120908498764},{"word":"so","start":620.69,"end":621.17,"confidence":0.9993074,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08411004394292831},{"word":"the","start":621.17,"end":621.33,"confidence":0.9977055,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10498511046171188},{"word":"returns","start":621.33,"end":621.83,"confidence":0.99942136,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.11452199518680573},{"word":"of","start":621.97,"end":622.21,"confidence":0.9991061,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09389515221118928},{"word":"the","start":622.21,"end":622.37,"confidence":0.70985866,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10209034383296968},{"word":"hub","start":622.37,"end":622.61,"confidence":0.62397385,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.11092828959226608},{"word":"twenty","start":622.61,"end":622.93,"confidence":0.9965648,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.12526026368141174},{"word":"four","start":622.93,"end":623.43,"confidence":0.9281834,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.09892238676548004},{"word":"i've","start":623.49,"end":623.73,"confidence":0.99956477,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08797921240329742},{"word":"been","start":623.73,"end":623.89,"confidence":0.9997843,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06774935871362686},{"word":"looking","start":623.89,"end":624.29,"confidence":0.99982446,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0679471343755722},{"word":"through","start":624.29,"end":624.77,"confidence":0.9997522,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05639228969812393},{"word":"your","start":624.77,"end":625.08997,"confidence":0.9995426,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0787435919046402},{"word":"portfolio","start":625.08997,"end":625.58997,"confidence":0.92427075,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.07047408819198608},{"word":"have","start":626.21,"end":626.45,"confidence":0.99953175,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.05966634303331375},{"word":"you","start":626.45,"end":626.69,"confidence":0.99983346,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06802086532115936},{"word":"had","start":626.69,"end":626.85,"confidence":0.9997484,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05683464556932449},{"word":"a","start":626.85,"end":626.93,"confidence":0.99873084,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06699013710021973},{"word":"chance","start":626.93,"end":627.33,"confidence":0.9999105,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.05976981297135353},{"word":"to","start":627.33,"end":627.49,"confidence":0.96370673,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.04904118925333023},{"word":"like","start":627.49,"end":627.81,"confidence":0.99898994,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0476173534989357},{"word":"log","start":627.81,"end":627.97,"confidence":0.91027063,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.030735891312360764},{"word":"in","start":627.97,"end":628.29,"confidence":0.98747534,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01657060906291008},{"word":"to","start":628.29,"end":628.45,"confidence":0.9936214,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03257804363965988},{"word":"your","start":628.45,"end":628.61,"confidence":0.995389,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04688725620508194},{"word":"hub","start":628.61,"end":628.85,"confidence":0.9886755,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.05069395154714584},{"word":"twenty","start":628.85,"end":629.17,"confidence":0.999546,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.057273730635643005},{"word":"four","start":629.17,"end":629.33,"confidence":0.9970203,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.026862844824790955},{"word":"much","start":629.33,"end":629.83,"confidence":0.90379757,"punctuated_word":"much?","sentiment":"neutral","sentiment_score":0.02223462238907814},{"word":"no","start":632.545,"end":632.78503,"confidence":0.9909717,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06851167976856232},{"word":"that's","start":632.78503,"end":632.945,"confidence":0.97944605,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.00016599148511886597},{"word":"okay","start":632.945,"end":633.445,"confidence":0.9998147,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.040718208998441696},{"word":"so","start":635.425,"end":635.585,"confidence":0.66759235,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0836259201169014},{"word":"whenever","start":635.585,"end":635.985,"confidence":0.9977028,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.11476778984069824},{"word":"we","start":635.985,"end":636.22504,"confidence":0.9999645,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10492028295993804},{"word":"do","start":636.22504,"end":636.385,"confidence":0.99996996,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1088855117559433},{"word":"these","start":636.385,"end":636.78503,"confidence":0.9801914,"punctuated_word":"these,","sentiment":"neutral","sentiment_score":0.11664113402366638},{"word":"like","start":636.78503,"end":637.105,"confidence":0.997615,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.107820026576519},{"word":"reviews","start":637.105,"end":637.605,"confidence":0.9997286,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.09853337705135344},{"word":"of","start":637.905,"end":638.405,"confidence":0.99990046,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09939014166593552},{"word":"investments","start":638.465,"end":638.945,"confidence":0.9982498,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08592302352190018},{"word":"and","start":638.945,"end":639.185,"confidence":0.9784612,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13486099243164062},{"word":"performance","start":639.185,"end":639.685,"confidence":0.9989302,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":0.13473357260227203},{"word":"i","start":640.305,"end":640.545,"confidence":0.99984574,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17164471745491028},{"word":"do","start":640.545,"end":640.78503,"confidence":0.9998956,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16316954791545868},{"word":"a","start":640.78503,"end":640.945,"confidence":0.9998573,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1634601354598999},{"word":"little","start":640.945,"end":641.185,"confidence":0.9999229,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14113730192184448},{"word":"bit","start":641.185,"end":641.34503,"confidence":0.9999573,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17005731165409088},{"word":"of","start":641.34503,"end":641.505,"confidence":0.9999343,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17387820780277252},{"word":"a","start":641.505,"end":641.585,"confidence":0.99965477,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1440357267856598},{"word":"short","start":641.585,"end":641.825,"confidence":0.99979955,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.12253838777542114},{"word":"and","start":641.825,"end":641.905,"confidence":0.9240068,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08993647247552872},{"word":"long","start":641.905,"end":642.145,"confidence":0.99992573,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.11777693033218384},{"word":"term","start":642.145,"end":642.385,"confidence":0.9988655,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.15312311053276062},{"word":"look","start":642.385,"end":642.705,"confidence":0.98370117,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14603452384471893},{"word":"where","start":642.705,"end":642.945,"confidence":0.68569005,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.11557190120220184},{"word":"i","start":642.945,"end":643.025,"confidence":0.99336046,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1326814740896225},{"word":"go","start":643.025,"end":643.185,"confidence":0.9901675,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.13135479390621185},{"word":"okay","start":643.185,"end":643.425,"confidence":0.9212879,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1224263310432434},{"word":"how's","start":643.425,"end":643.66504,"confidence":0.9017408,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.09432421624660492},{"word":"it","start":643.66504,"end":643.745,"confidence":0.9986896,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12372142821550368},{"word":"going","start":643.745,"end":643.985,"confidence":0.9952524,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.10025526583194733},{"word":"for","start":643.985,"end":644.145,"confidence":0.9984377,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07891324907541275},{"word":"the","start":644.145,"end":644.305,"confidence":0.9988129,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07313819974660873},{"word":"last","start":644.305,"end":644.465,"confidence":0.99988306,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07675738632678986},{"word":"twelve","start":644.465,"end":644.705,"confidence":0.9999162,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.0778718888759613},{"word":"months","start":644.705,"end":644.945,"confidence":0.9858757,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.03959234058856964},{"word":"how's","start":644.945,"end":645.185,"confidence":0.8836722,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.11771281063556673},{"word":"it","start":645.185,"end":645.34503,"confidence":0.9976786,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16103433072566986},{"word":"going","start":645.34503,"end":645.585,"confidence":0.9998896,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.1631859391927719},{"word":"for","start":645.585,"end":645.825,"confidence":0.9983057,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11059879511594772},{"word":"five","start":645.825,"end":646.065,"confidence":0.99979633,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.14615079760551453},{"word":"years","start":646.065,"end":646.565,"confidence":0.9995811,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":0.1335158348083496},{"word":"is","start":646.67004,"end":646.75,"confidence":0.9995161,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06536959111690521},{"word":"it","start":646.75,"end":646.87,"confidence":0.9997956,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07446113228797913},{"word":"kind","start":646.87,"end":646.99005,"confidence":0.9954085,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05973749980330467},{"word":"of","start":646.99005,"end":647.07,"confidence":0.99961853,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.051670003682374954},{"word":"tracking","start":647.07,"end":647.57,"confidence":0.6689511,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.05929557979106903},{"word":"well","start":647.79004,"end":648.11005,"confidence":0.8815385,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.05280514061450958},{"word":"that","start":648.11005,"end":648.35004,"confidence":0.99863786,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.02597915753722191},{"word":"kind","start":648.35004,"end":648.51,"confidence":0.91025054,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03283430635929108},{"word":"of","start":648.51,"end":648.67004,"confidence":0.9995474,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04410889372229576},{"word":"thing","start":648.67004,"end":649.17004,"confidence":0.99748814,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.06160444021224976},{"word":"so","start":650.43005,"end":650.67004,"confidence":0.9980287,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12601293623447418},{"word":"you're","start":650.67004,"end":651.07,"confidence":0.9915423,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1433960199356079},{"word":"in","start":651.07,"end":651.31,"confidence":0.9997824,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13117071986198425},{"word":"just","start":651.47003,"end":651.63,"confidence":0.99891543,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13194894790649414},{"word":"to","start":651.63,"end":651.71,"confidence":0.9055871,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10357417166233064},{"word":"give","start":651.71,"end":651.87006,"confidence":0.9998229,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09001436084508896},{"word":"you","start":651.87006,"end":651.91003,"confidence":0.9996935,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12283620238304138},{"word":"a","start":651.91003,"end":651.95,"confidence":0.9982613,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11354448646306992},{"word":"bit","start":651.95,"end":652.11005,"confidence":0.99974674,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09967011958360672},{"word":"of","start":652.11005,"end":652.19,"confidence":0.9998141,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1012761890888214},{"word":"a","start":652.19,"end":652.35004,"confidence":0.9990594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09896473586559296},{"word":"recap","start":652.35004,"end":652.75,"confidence":0.83454204,"punctuated_word":"recap.","sentiment":"neutral","sentiment_score":0.09490089863538742},{"word":"so","start":652.75,"end":652.83,"confidence":0.9973968,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09378647804260254},{"word":"you're","start":652.83,"end":652.99005,"confidence":0.99974227,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1035001203417778},{"word":"in","start":652.99005,"end":653.15,"confidence":0.9325677,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.11007466912269592},{"word":"like","start":653.15,"end":653.31,"confidence":0.999284,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10720662027597427},{"word":"a","start":653.31,"end":653.47003,"confidence":0.9997987,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10556347668170928},{"word":"growth","start":653.47003,"end":653.95,"confidence":0.9963894,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1247730702161789},{"word":"portfolio","start":653.95,"end":654.45,"confidence":0.93360376,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.07729274779558182},{"word":"so","start":655.47003,"end":655.71,"confidence":0.9988906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13060946762561798},{"word":"that's","start":655.71,"end":655.95,"confidence":0.8918412,"punctuated_word":"that's,","sentiment":"neutral","sentiment_score":0.15204298496246338},{"word":"like","start":655.95,"end":656.11005,"confidence":0.99953413,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1457538902759552},{"word":"a","start":656.11005,"end":656.27,"confidence":0.9991003,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18617698550224304},{"word":"four","start":656.27,"end":656.43005,"confidence":0.9996761,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.13355077803134918},{"word":"out","start":656.43005,"end":656.59,"confidence":0.99826837,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1093023121356964},{"word":"of","start":656.59,"end":656.75,"confidence":0.99690175,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12601681053638458},{"word":"five","start":656.75,"end":656.91003,"confidence":0.99938536,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.08860485255718231},{"word":"on","start":656.91003,"end":657.07,"confidence":0.99964905,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11268901079893112},{"word":"the","start":657.07,"end":657.23004,"confidence":0.99959785,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09936612099409103},{"word":"risk","start":657.23004,"end":657.55005,"confidence":0.9922828,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.07124392688274384},{"word":"scale","start":657.55005,"end":658.05005,"confidence":0.8463657,"punctuated_word":"scale,","sentiment":"neutral","sentiment_score":0.08176126331090927},{"word":"80%","start":658.11005,"end":658.67004,"confidence":0.9994966,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.11079685389995576},{"word":"of","start":658.67004,"end":658.83,"confidence":0.99980026,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09868542850017548},{"word":"your","start":658.83,"end":658.99005,"confidence":0.99973685,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08987780660390854},{"word":"money","start":658.99005,"end":659.47003,"confidence":0.999754,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1031058132648468},{"word":"in","start":659.47003,"end":659.87006,"confidence":0.9992729,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11289705336093904},{"word":"shares","start":659.87006,"end":660.19,"confidence":0.9983494,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.1060456931591034},{"word":"and","start":660.19,"end":660.35004,"confidence":0.97158986,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10396537184715272},{"word":"property","start":660.35004,"end":660.75,"confidence":0.9664085,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.11264759302139282},{"word":"so","start":660.75,"end":660.915,"confidence":0.5088833,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1215582937002182},{"word":"you're","start":661.07495,"end":661.315,"confidence":0.95568633,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1770482063293457},{"word":"still","start":661.315,"end":661.39496,"confidence":0.9998392,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1426170915365219},{"word":"focused","start":661.39496,"end":661.795,"confidence":0.9684045,"punctuated_word":"focused","sentiment":"neutral","sentiment_score":0.1732669174671173},{"word":"on","start":661.795,"end":661.95496,"confidence":0.99955505,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24118153750896457},{"word":"trying","start":661.95496,"end":662.07495,"confidence":0.9975695,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.29782533645629883},{"word":"to","start":662.07495,"end":662.195,"confidence":0.99898916,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2194199115037918},{"word":"grow","start":662.195,"end":662.435,"confidence":0.99984145,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.2883707880973816},{"word":"your","start":662.435,"end":662.595,"confidence":0.9954887,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2823541462421417},{"word":"super","start":662.595,"end":662.995,"confidence":0.9592237,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.37809112668037415},{"word":"at","start":662.995,"end":663.235,"confidence":0.99329716,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19174394011497495},{"word":"this","start":663.235,"end":663.39496,"confidence":0.9998969,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1697028875350952},{"word":"point","start":663.39496,"end":663.89496,"confidence":0.9988756,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.15208305418491364},{"word":"you're","start":664.915,"end":665.15497,"confidence":0.87555885,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.046377163380384445},{"word":"not","start":665.15497,"end":665.39496,"confidence":0.99911934,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.007679790258407593},{"word":"high","start":665.39496,"end":665.63495,"confidence":0.9435911,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.08313456922769547},{"word":"risk","start":665.63495,"end":666.115,"confidence":0.99539936,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.04689188674092293},{"word":"but","start":666.115,"end":666.355,"confidence":0.99988914,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.006223902106285095},{"word":"you're","start":666.355,"end":666.51495,"confidence":0.9973309,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.00974197220057249},{"word":"kind","start":666.51495,"end":666.755,"confidence":0.9586045,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03347691148519516},{"word":"of","start":666.755,"end":666.915,"confidence":0.9993166,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016115665435791016},{"word":"the","start":666.915,"end":666.995,"confidence":0.9983859,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04626162350177765},{"word":"one","start":666.995,"end":667.15497,"confidence":0.99982494,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0247395858168602},{"word":"below","start":667.15497,"end":667.475,"confidence":0.99995935,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.05454818159341812},{"word":"that","start":667.475,"end":667.71497,"confidence":0.82361156,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.04896856471896171},{"word":"if","start":667.71497,"end":667.875,"confidence":0.9997503,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09015845507383348},{"word":"that","start":667.875,"end":668.035,"confidence":0.99995387,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.059006571769714355},{"word":"makes","start":668.035,"end":668.27496,"confidence":0.9921158,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.03332945704460144},{"word":"sense","start":668.27496,"end":668.77496,"confidence":0.9966874,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.007454778999090195},{"word":"yep","start":669.95496,"end":670.435,"confidence":0.9848256,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20794235169887543},{"word":"now","start":670.435,"end":670.755,"confidence":0.99855477,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19600318372249603},{"word":"when","start":670.755,"end":670.915,"confidence":0.997382,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2092115879058838},{"word":"you're","start":670.915,"end":671.15497,"confidence":0.9999047,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2183738350868225},{"word":"in","start":671.15497,"end":671.555,"confidence":0.99993753,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22012139856815335},{"word":"growth","start":671.555,"end":672.055,"confidence":0.99671274,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.1873689591884613},{"word":"you're","start":672.195,"end":672.435,"confidence":0.99989843,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19165650010108948},{"word":"aiming","start":672.435,"end":672.83496,"confidence":0.9999738,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.24049833416938785},{"word":"for","start":672.83496,"end":673.15497,"confidence":0.99943954,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2049473524093628},{"word":"an","start":673.15497,"end":673.315,"confidence":0.9999323,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2099705934524536},{"word":"average","start":673.315,"end":673.63495,"confidence":0.9999685,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.21457694470882416},{"word":"return","start":673.63495,"end":674.035,"confidence":0.9997874,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.34739071130752563},{"word":"of","start":674.035,"end":674.195,"confidence":0.99923444,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1888270378112793},{"word":"about","start":674.195,"end":674.435,"confidence":0.89358085,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2046089619398117},{"word":"eight","start":674.435,"end":674.595,"confidence":0.9994338,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.2634877562522888},{"word":"or","start":674.595,"end":674.755,"confidence":0.9243662,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16785714030265808},{"word":"9%","start":674.755,"end":675.495,"confidence":0.9911269,"punctuated_word":"9%.","sentiment":"neutral","sentiment_score":0.21220144629478457},{"word":"like","start":675.97003,"end":676.05,"confidence":0.9802232,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.1050090789794922},{"word":"it'll","start":676.05,"end":676.53,"confidence":0.98797154,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.13033299148082733},{"word":"go","start":676.53,"end":676.61,"confidence":0.99898833,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10556983202695848},{"word":"up","start":676.61,"end":677.09,"confidence":0.9998198,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0818718746304512},{"word":"ten","start":677.09,"end":677.41003,"confidence":0.9788839,"punctuated_word":"ten,","sentiment":"neutral","sentiment_score":0.0889822244644165},{"word":"fifteen","start":677.41003,"end":677.89,"confidence":0.99922323,"punctuated_word":"fifteen,","sentiment":"neutral","sentiment_score":0.09580301493406296},{"word":"20%","start":677.89,"end":678.37,"confidence":0.9995205,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.13922201097011566},{"word":"a","start":678.37,"end":678.61,"confidence":0.9985868,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09241202473640442},{"word":"year","start":678.61,"end":679.09,"confidence":0.88858855,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.05242365598678589},{"word":"may","start":679.09,"end":679.33,"confidence":0.97418344,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.009163931012153624},{"word":"go","start":679.33,"end":679.49,"confidence":0.9998361,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.041846923530101776},{"word":"down","start":679.49,"end":679.99,"confidence":0.99986744,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02745664119720459},{"word":"once","start":680.37,"end":680.69,"confidence":0.9983644,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.0057744793593883514},{"word":"every","start":680.69,"end":680.93,"confidence":0.9998223,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.0009406320750713348},{"word":"seven","start":680.93,"end":681.25,"confidence":0.99977916,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.007758084684610367},{"word":"years","start":681.25,"end":681.49,"confidence":0.99966276,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.008211910724639893},{"word":"when","start":681.49,"end":681.65,"confidence":0.9944206,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.021652866154909137},{"word":"there's","start":681.65,"end":681.89,"confidence":0.999843,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.002932734787464142},{"word":"a","start":681.89,"end":682.05,"confidence":0.9740802,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.012546198442578316},{"word":"you","start":682.05,"end":682.21,"confidence":0.9998259,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005921445786952972},{"word":"know","start":682.21,"end":682.53,"confidence":0.9998895,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0018627718091011047},{"word":"global","start":682.53,"end":682.93,"confidence":0.99623436,"punctuated_word":"global","sentiment":"neutral","sentiment_score":-0.03814615681767464},{"word":"financial","start":682.93,"end":683.41003,"confidence":0.9996929,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.01920715719461441},{"word":"crisis","start":683.41003,"end":683.89,"confidence":0.9889065,"punctuated_word":"crisis,","sentiment":"neutral","sentiment_score":-0.02850455418229103},{"word":"covid","start":683.89,"end":684.39,"confidence":0.9893112,"punctuated_word":"COVID,","sentiment":"neutral","sentiment_score":0.0014480063691735268},{"word":"world","start":684.69,"end":684.85004,"confidence":0.8534305,"punctuated_word":"World","sentiment":"neutral","sentiment_score":-0.004919875413179398},{"word":"war","start":684.85004,"end":685.09,"confidence":0.9990006,"punctuated_word":"War","sentiment":"neutral","sentiment_score":0.015306107699871063},{"word":"three","start":685.09,"end":685.41003,"confidence":0.94843006,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.014181033708155155},{"word":"whatever","start":685.41003,"end":685.73,"confidence":0.99959356,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.03311439976096153},{"word":"it","start":685.73,"end":685.89,"confidence":0.9997892,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03649638593196869},{"word":"is","start":685.89,"end":686.39,"confidence":0.7880472,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.044720519334077835},{"word":"but","start":686.45,"end":686.69,"confidence":0.73141575,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03985581174492836},{"word":"you","start":686.69,"end":686.85004,"confidence":0.9997049,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03939712420105934},{"word":"wanna","start":686.85004,"end":687.17,"confidence":0.9107911,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0463312454521656},{"word":"average","start":687.17,"end":687.49,"confidence":0.9994729,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.06660208851099014},{"word":"out","start":687.49,"end":687.99,"confidence":0.99632543,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1146356463432312},{"word":"as","start":688.245,"end":688.485,"confidence":0.9998062,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08867470920085907},{"word":"close","start":688.485,"end":688.725,"confidence":0.99993443,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.1129922941327095},{"word":"to","start":688.725,"end":688.965,"confidence":0.99974054,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10840460658073424},{"word":"10%","start":688.965,"end":689.525,"confidence":0.99990684,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.15511786937713623},{"word":"as","start":689.525,"end":689.685,"confidence":0.99973387,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1165490299463272},{"word":"you","start":689.685,"end":689.765,"confidence":0.99993706,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12102576345205308},{"word":"can","start":689.765,"end":690.085,"confidence":0.99982923,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.1332467943429947},{"word":"does","start":690.085,"end":690.245,"confidence":0.9997454,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.09800250828266144},{"word":"that","start":690.245,"end":690.405,"confidence":0.99996805,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12316150218248367},{"word":"make","start":690.405,"end":690.565,"confidence":0.99748504,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10285672545433044},{"word":"sense","start":690.565,"end":691.065,"confidence":0.9998869,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.06968684494495392},{"word":"now","start":692.645,"end":693.145,"confidence":0.98515826,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.023913931101560593},{"word":"when","start":693.205,"end":693.445,"confidence":0.99521637,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0135213490575552},{"word":"i","start":693.445,"end":693.685,"confidence":0.9972473,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020676033571362495},{"word":"yes","start":696.325,"end":696.805,"confidence":0.9979634,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.02217205986380577},{"word":"so","start":696.805,"end":697.045,"confidence":0.9983327,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0130759309977293},{"word":"the","start":697.045,"end":697.205,"confidence":0.9996443,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01430748775601387},{"word":"last","start":697.205,"end":697.525,"confidence":0.9998729,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01014123111963272},{"word":"twelve","start":697.525,"end":697.84503,"confidence":0.9999374,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.01709790527820587},{"word":"months","start":697.84503,"end":698.325,"confidence":0.98206776,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.01941145583987236},{"word":"one","start":698.325,"end":698.485,"confidence":0.99958557,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.034482523798942566},{"word":"percent","start":698.485,"end":698.885,"confidence":0.86688113,"punctuated_word":"percent.","sentiment":"neutral","sentiment_score":0.025261811912059784},{"word":"and","start":698.885,"end":699.045,"confidence":0.8563231,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.013793252408504486},{"word":"obviously","start":699.045,"end":699.525,"confidence":0.9999231,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.01952367275953293},{"word":"markets","start":699.525,"end":699.84503,"confidence":0.9824569,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.05660536885261536},{"word":"have","start":699.84503,"end":700.005,"confidence":0.99856,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.055612534284591675},{"word":"been","start":700.005,"end":700.165,"confidence":0.99990046,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.06106968596577644},{"word":"a","start":700.165,"end":700.245,"confidence":0.9998821,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07304379343986511},{"word":"bit","start":700.245,"end":700.485,"confidence":0.9998388,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08768340945243835},{"word":"choppy","start":700.485,"end":700.985,"confidence":0.99302286,"punctuated_word":"choppy,","sentiment":"neutral","sentiment_score":-0.06895354390144348},{"word":"but","start":701.24,"end":701.56,"confidence":0.999803,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.026989873498678207},{"word":"it","start":701.56,"end":701.63995,"confidence":0.9982162,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02417655847966671},{"word":"should","start":701.63995,"end":701.95996,"confidence":0.89612305,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.03580842167139053},{"word":"have","start":701.95996,"end":702.04,"confidence":0.6893757,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.030884303152561188},{"word":"been","start":702.04,"end":702.27997,"confidence":0.99894494,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.031626805663108826},{"word":"a","start":702.27997,"end":702.36,"confidence":0.9997403,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03033318556845188},{"word":"little","start":702.36,"end":702.51996,"confidence":0.99995077,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.037557680159807205},{"word":"bit","start":702.51996,"end":702.75995,"confidence":0.99913293,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06008120998740196},{"word":"higher","start":702.75995,"end":703.0,"confidence":0.99936,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.04131952300667763},{"word":"than","start":703.0,"end":703.24,"confidence":0.9998555,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.07195951789617538},{"word":"one","start":703.24,"end":703.72,"confidence":0.9897995,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.04429660364985466},{"word":"i","start":703.72,"end":703.87994,"confidence":0.99978334,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008612304925918579},{"word":"would","start":703.87994,"end":704.04,"confidence":0.9999597,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.009478054940700533},{"word":"have","start":704.04,"end":704.27997,"confidence":0.9284236,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01262270286679268},{"word":"expected","start":704.27997,"end":704.75995,"confidence":0.9997552,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":-0.02304562926292419},{"word":"it","start":704.75995,"end":704.92,"confidence":0.999728,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02129087969660759},{"word":"to","start":704.92,"end":705.0,"confidence":0.9998851,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03312644362449646},{"word":"do","start":705.0,"end":705.24,"confidence":0.9997832,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02800699695944786},{"word":"around","start":705.24,"end":705.56,"confidence":0.99710983,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.00985557958483696},{"word":"about","start":705.56,"end":705.87994,"confidence":0.9984316,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.017379041761159897},{"word":"six","start":705.87994,"end":706.12,"confidence":0.9997584,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.018165413290262222},{"word":"or","start":706.12,"end":706.27997,"confidence":0.99711144,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.025286011397838593},{"word":"seven","start":706.27997,"end":706.77997,"confidence":0.99985254,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.02580120600759983},{"word":"given","start":706.92,"end":707.24,"confidence":0.70698625,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.01884545385837555},{"word":"what's","start":707.24,"end":707.39996,"confidence":0.97651017,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.031221117824316025},{"word":"happened","start":707.39996,"end":707.8,"confidence":0.9960961,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.036772072315216064},{"word":"in","start":707.8,"end":707.88,"confidence":0.42856777,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.000826612114906311},{"word":"the","start":707.88,"end":707.95996,"confidence":0.9165876,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0186567772179842},{"word":"last","start":707.95996,"end":708.12,"confidence":0.4950178,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.020917324349284172},{"word":"twelve","start":708.12,"end":708.51996,"confidence":0.9870547,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.011091846972703934},{"word":"months","start":708.51996,"end":709.01996,"confidence":0.99730265,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.007278751581907272},{"word":"k","start":710.12,"end":710.62,"confidence":0.84572023,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.0033188527449965477},{"word":"so","start":711.24,"end":711.63995,"confidence":0.9989029,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0558171272277832},{"word":"when","start":711.63995,"end":711.8,"confidence":0.99915147,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07533540576696396},{"word":"i","start":711.8,"end":711.87994,"confidence":0.9999269,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05609399825334549},{"word":"look","start":711.87994,"end":712.12,"confidence":0.99944896,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06131759285926819},{"word":"at","start":712.12,"end":712.27997,"confidence":0.9999049,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07281140238046646},{"word":"this","start":712.27997,"end":712.51996,"confidence":0.9998597,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.05390586704015732},{"word":"long","start":712.51996,"end":712.75995,"confidence":0.99846625,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.035644643008708954},{"word":"term","start":712.75995,"end":713.16,"confidence":0.99951017,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.028327813372015953},{"word":"it's","start":713.16,"end":713.48,"confidence":0.9997443,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02822563610970974},{"word":"it's","start":713.48,"end":713.72,"confidence":0.9970715,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04631848260760307},{"word":"still","start":713.72,"end":713.87994,"confidence":0.9999238,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.08954671025276184},{"word":"been","start":713.87994,"end":714.12,"confidence":0.99923146,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0855361819267273},{"word":"hitting","start":714.12,"end":714.44,"confidence":0.9996032,"punctuated_word":"hitting","sentiment":"neutral","sentiment_score":-0.03836056590080261},{"word":"about","start":714.44,"end":714.68,"confidence":0.9938725,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.020234420895576477},{"word":"nine","start":714.68,"end":714.92,"confidence":0.99984634,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.01373635232448578},{"word":"and","start":714.92,"end":715.07996,"confidence":0.9749102,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.003748729825019837},{"word":"a","start":715.07996,"end":715.16,"confidence":0.9960247,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01752346381545067},{"word":"half","start":715.16,"end":715.39996,"confidence":0.9998543,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.011740483343601229},{"word":"percent","start":715.39996,"end":715.89996,"confidence":0.99985015,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.017920829355716705},{"word":"for","start":715.905,"end":716.065,"confidence":0.9964641,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0659748986363411},{"word":"the","start":716.065,"end":716.145,"confidence":0.9867643,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03726927936077118},{"word":"last","start":716.145,"end":716.385,"confidence":0.9998926,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.048419855535030365},{"word":"five","start":716.385,"end":716.625,"confidence":0.9998023,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.024014949798583984},{"word":"years","start":716.625,"end":716.86505,"confidence":0.9952583,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.03115233778953552},{"word":"which","start":716.86505,"end":717.10504,"confidence":0.9999646,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.03264550864696503},{"word":"is","start":717.10504,"end":717.34503,"confidence":0.9997491,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.005280405282974243},{"word":"good","start":717.34503,"end":717.825,"confidence":0.9318182,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":-0.021384209394454956},{"word":"but","start":717.825,"end":718.065,"confidence":0.9996221,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14785537123680115},{"word":"there's","start":718.065,"end":718.30505,"confidence":0.99969506,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.27860069274902344},{"word":"a","start":718.30505,"end":718.465,"confidence":0.9998473,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27464479207992554},{"word":"couple","start":718.465,"end":718.705,"confidence":0.9998841,"punctuated_word":"couple","sentiment":"negative","sentiment_score":-0.34477558732032776},{"word":"of","start":718.705,"end":718.86505,"confidence":0.99982315,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.38035789132118225},{"word":"red","start":718.86505,"end":719.10504,"confidence":0.9997367,"punctuated_word":"red","sentiment":"negative","sentiment_score":-0.4026631712913513},{"word":"flags","start":719.10504,"end":719.505,"confidence":0.9995925,"punctuated_word":"flags","sentiment":"negative","sentiment_score":-0.34608566761016846},{"word":"that","start":719.505,"end":719.66504,"confidence":0.999782,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2606188952922821},{"word":"i","start":719.66504,"end":719.825,"confidence":0.999841,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23241564631462097},{"word":"can","start":719.825,"end":720.065,"confidence":0.99975604,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2572278678417206},{"word":"see","start":720.065,"end":720.54504,"confidence":0.99975616,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.3254193961620331},{"word":"on","start":720.54504,"end":720.705,"confidence":0.9998336,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2873181700706482},{"word":"your","start":720.705,"end":720.945,"confidence":0.99988973,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2202354371547699},{"word":"account","start":720.945,"end":721.445,"confidence":0.9992175,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.254630446434021},{"word":"now","start":723.10504,"end":723.60504,"confidence":0.9990693,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.025365758687257767},{"word":"with","start":723.905,"end":724.145,"confidence":0.9932574,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.032033439725637436},{"word":"the","start":724.145,"end":724.385,"confidence":0.999907,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012885108590126038},{"word":"portfolio","start":724.385,"end":724.86505,"confidence":0.9990439,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.044069331139326096},{"word":"that","start":724.86505,"end":725.025,"confidence":0.999696,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0008112117648124695},{"word":"we've","start":725.025,"end":725.18506,"confidence":0.9988158,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.03400850668549538},{"word":"put","start":725.18506,"end":725.42505,"confidence":0.99996305,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.07051604986190796},{"word":"together","start":725.42505,"end":725.825,"confidence":0.99993885,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.12162040919065475},{"word":"for","start":725.825,"end":725.98505,"confidence":0.9996234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08197542279958725},{"word":"you","start":725.98505,"end":726.30505,"confidence":0.99943936,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.02109087072312832},{"word":"we've","start":726.30505,"end":726.54504,"confidence":0.7549418,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.03042895719408989},{"word":"got","start":726.54504,"end":726.78503,"confidence":0.99974865,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.02601391449570656},{"word":"about","start":726.78503,"end":727.10504,"confidence":0.9995716,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03368531912565231},{"word":"eight","start":727.10504,"end":727.34503,"confidence":0.9994299,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.01848478242754936},{"word":"options","start":727.34503,"end":727.84503,"confidence":0.9997522,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.017264559864997864},{"word":"that","start":728.52,"end":728.68005,"confidence":0.9997576,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02180599234998226},{"word":"are","start":728.68005,"end":728.76,"confidence":0.99905473,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03398260474205017},{"word":"in","start":728.76,"end":729.0,"confidence":0.999954,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04392951726913452},{"word":"there","start":729.0,"end":729.32,"confidence":0.96840644,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.027890190482139587},{"word":"and","start":729.32,"end":729.56006,"confidence":0.9997594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.035591889172792435},{"word":"they","start":729.56006,"end":729.80005,"confidence":0.99996495,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05954872816801071},{"word":"make","start":729.80005,"end":730.04004,"confidence":0.99926513,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07685838639736176},{"word":"up","start":730.04004,"end":730.2,"confidence":0.99986637,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.057253509759902954},{"word":"your","start":730.2,"end":730.44,"confidence":0.99744093,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05379048362374306},{"word":"super","start":730.44,"end":730.92004,"confidence":0.9787307,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.04488053917884827},{"word":"you","start":730.92004,"end":731.0,"confidence":0.9923603,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.020739667117595673},{"word":"know","start":731.0,"end":731.24005,"confidence":0.75622886,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.030045416206121445},{"word":"some's","start":731.24005,"end":731.56006,"confidence":0.73178434,"punctuated_word":"some's","sentiment":"neutral","sentiment_score":0.031278036534786224},{"word":"in","start":731.56006,"end":731.80005,"confidence":0.99933356,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.039211370050907135},{"word":"gold","start":731.80005,"end":732.28,"confidence":0.7779064,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.03372461721301079},{"word":"some","start":732.28,"end":732.44,"confidence":0.99941075,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.008781727403402328},{"word":"of","start":732.44,"end":732.52,"confidence":0.99934524,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012973137199878693},{"word":"them's","start":732.52,"end":732.84,"confidence":0.974345,"punctuated_word":"them's","sentiment":"neutral","sentiment_score":0.020522642880678177},{"word":"in","start":732.84,"end":733.08,"confidence":0.99948287,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04101503640413284},{"word":"shares","start":733.08,"end":733.58,"confidence":0.9971453,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.01678955741226673},{"word":"some","start":733.80005,"end":733.96,"confidence":0.99991405,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.006274506449699402},{"word":"of","start":733.96,"end":734.04004,"confidence":0.99993813,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006911244243383408},{"word":"them's","start":734.04004,"end":734.44,"confidence":0.9465314,"punctuated_word":"them's","sentiment":"neutral","sentiment_score":0.0056480830535292625},{"word":"in","start":734.44,"end":734.92004,"confidence":0.9987619,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01259826123714447},{"word":"cash","start":734.92004,"end":735.4,"confidence":0.9976342,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.014733530580997469},{"word":"some","start":735.4,"end":735.64,"confidence":0.9999025,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.01128457859158516},{"word":"of","start":735.64,"end":735.72003,"confidence":0.99995244,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0039534792304039},{"word":"them's","start":735.72003,"end":735.96,"confidence":0.9979457,"punctuated_word":"them's","sentiment":"neutral","sentiment_score":-0.0014208158245310187},{"word":"in","start":735.96,"end":736.2,"confidence":0.9995819,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006521217525005341},{"word":"property","start":736.2,"end":736.68005,"confidence":0.9886099,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.009846029803156853},{"word":"does","start":736.68005,"end":736.84,"confidence":0.9996326,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.05562362447381019},{"word":"that","start":736.84,"end":737.0,"confidence":0.99994993,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05379297584295273},{"word":"make","start":737.0,"end":737.16003,"confidence":0.9940275,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05731016397476196},{"word":"sense","start":737.16003,"end":737.66003,"confidence":0.9996722,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.04322737827897072},{"word":"yeah","start":739.0,"end":739.08,"confidence":0.65824187,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23541733622550964},{"word":"yep","start":739.08,"end":739.58,"confidence":0.88218594,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.33688580989837646},{"word":"now","start":739.88,"end":740.2,"confidence":0.6411649,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.5108271241188049},{"word":"out","start":740.2,"end":740.28,"confidence":0.99738103,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5744549036026001},{"word":"of","start":740.28,"end":740.44,"confidence":0.9998585,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5668807029724121},{"word":"all","start":740.44,"end":740.60004,"confidence":0.9998264,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5194719433784485},{"word":"the","start":740.60004,"end":740.68005,"confidence":0.99883777,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5036635994911194},{"word":"eight","start":740.68005,"end":740.84,"confidence":0.99856037,"punctuated_word":"eight","sentiment":"positive","sentiment_score":0.4253353476524353},{"word":"options","start":740.84,"end":741.34,"confidence":0.9995059,"punctuated_word":"options,","sentiment":"positive","sentiment_score":0.4402231276035309},{"word":"six","start":741.56006,"end":741.80005,"confidence":0.999689,"punctuated_word":"six","sentiment":"positive","sentiment_score":0.5762821435928345},{"word":"of","start":741.80005,"end":741.96,"confidence":0.9996842,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5675674080848694},{"word":"them","start":741.96,"end":742.2,"confidence":0.9999398,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.5026805996894836},{"word":"are","start":742.2,"end":742.36005,"confidence":0.9998516,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4877113699913025},{"word":"doing","start":742.36005,"end":742.68005,"confidence":0.9999831,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4267647862434387},{"word":"fantastic","start":742.68005,"end":743.18005,"confidence":0.9969411,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.3745284974575043},{"word":"your","start":744.005,"end":744.325,"confidence":0.7397938,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.31940963864326477},{"word":"your","start":744.325,"end":744.40497,"confidence":0.98867244,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.41327956318855286},{"word":"gold","start":744.40497,"end":744.725,"confidence":0.65727395,"punctuated_word":"gold","sentiment":"positive","sentiment_score":0.5259010195732117},{"word":"is","start":744.725,"end":744.885,"confidence":0.9980572,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.40287700295448303},{"word":"up","start":744.885,"end":745.125,"confidence":0.9996784,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5276232957839966},{"word":"60%","start":745.125,"end":745.765,"confidence":0.9948604,"punctuated_word":"60%.","sentiment":"positive","sentiment_score":0.44129711389541626},{"word":"it's","start":745.765,"end":745.925,"confidence":0.99800587,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.549988865852356},{"word":"like","start":745.925,"end":746.08496,"confidence":0.49895474,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4979776442050934},{"word":"it's","start":746.165,"end":746.245,"confidence":0.9054043,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6234642267227173},{"word":"been","start":746.245,"end":746.485,"confidence":0.7986848,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.5914677381515503},{"word":"a","start":746.485,"end":746.885,"confidence":0.9925345,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.663752555847168},{"word":"ridiculous","start":746.885,"end":747.385,"confidence":0.85119486,"punctuated_word":"ridiculous","sentiment":"positive","sentiment_score":0.4967566728591919},{"word":"year","start":747.52496,"end":748.02496,"confidence":0.9105762,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.48593929409980774},{"word":"but","start":748.40497,"end":748.90497,"confidence":0.97132224,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07977451384067535},{"word":"your","start":749.845,"end":750.165,"confidence":0.99068505,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022449269890785217},{"word":"australian","start":750.165,"end":750.665,"confidence":0.99942243,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.09166204929351808},{"word":"shares","start":750.725,"end":751.045,"confidence":0.94462377,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.01988482102751732},{"word":"like","start":751.045,"end":751.205,"confidence":0.99956924,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01545146107673645},{"word":"the","start":751.205,"end":751.365,"confidence":0.7813027,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06850273162126541},{"word":"ones","start":751.365,"end":751.605,"confidence":0.9990637,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.06832815706729889},{"word":"that","start":751.605,"end":751.845,"confidence":0.99976593,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1011517271399498},{"word":"invest","start":751.845,"end":752.165,"confidence":0.9960525,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.102163165807724},{"word":"in","start":752.165,"end":752.40497,"confidence":0.94675136,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.0647844597697258},{"word":"like","start":752.40497,"end":752.565,"confidence":0.9027625,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07279571145772934},{"word":"your","start":752.565,"end":752.725,"confidence":0.99641514,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16280028223991394},{"word":"commonwealth","start":752.725,"end":753.225,"confidence":0.97067606,"punctuated_word":"Commonwealth","sentiment":"neutral","sentiment_score":0.19972512125968933},{"word":"bank","start":753.285,"end":753.605,"confidence":0.9814617,"punctuated_word":"Bank","sentiment":"neutral","sentiment_score":0.19721491634845736},{"word":"and","start":753.605,"end":753.765,"confidence":0.9780595,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09365786612033844},{"word":"your","start":753.765,"end":754.005,"confidence":0.99705374,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15073320269584656},{"word":"rio","start":754.005,"end":754.245,"confidence":0.9987841,"punctuated_word":"Rio","sentiment":"neutral","sentiment_score":0.15784016251564026},{"word":"tinto","start":754.245,"end":754.725,"confidence":0.9803856,"punctuated_word":"Tinto","sentiment":"neutral","sentiment_score":0.10883919894695282},{"word":"and","start":754.725,"end":754.96497,"confidence":0.9053081,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08570411801338196},{"word":"all","start":754.96497,"end":755.125,"confidence":0.9987601,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0771094560623169},{"word":"of","start":755.125,"end":755.285,"confidence":0.8981836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04832521826028824},{"word":"the","start":755.285,"end":755.52496,"confidence":0.99502206,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05321778357028961},{"word":"companies","start":755.52496,"end":756.02496,"confidence":0.99863833,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.1369420289993286},{"word":"in","start":756.08496,"end":756.325,"confidence":0.99982387,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0936291515827179},{"word":"this","start":756.325,"end":756.565,"confidence":0.9997919,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1125292032957077},{"word":"country","start":756.565,"end":757.065,"confidence":0.9973684,"punctuated_word":"country,","sentiment":"neutral","sentiment_score":0.07607410103082657},{"word":"that's","start":757.52496,"end":758.02496,"confidence":0.9877963,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09196769446134569},{"word":"sort","start":758.62,"end":758.77997,"confidence":0.9997588,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.161484032869339},{"word":"of","start":758.77997,"end":759.1,"confidence":0.99951684,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15361589193344116},{"word":"underperformed","start":759.1,"end":759.6,"confidence":0.993192,"punctuated_word":"underperformed","sentiment":"neutral","sentiment_score":-0.004998594522476196},{"word":"the","start":760.77997,"end":761.01996,"confidence":0.9948946,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025202423334121704},{"word":"aussie","start":761.01996,"end":761.42,"confidence":0.99539053,"punctuated_word":"Aussie","sentiment":"neutral","sentiment_score":0.032956622540950775},{"word":"market","start":761.42,"end":761.92,"confidence":0.9991627,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.05849589407444},{"word":"and","start":762.22,"end":762.37994,"confidence":0.99131536,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0853433758020401},{"word":"the","start":762.37994,"end":762.54,"confidence":0.9997353,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030331730842590332},{"word":"other","start":762.54,"end":762.93994,"confidence":0.999579,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.00947944074869156},{"word":"australian","start":762.93994,"end":763.43994,"confidence":0.9942095,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.07576523721218109},{"word":"funds","start":763.66,"end":763.98,"confidence":0.99857223,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.04765067994594574},{"word":"that","start":763.98,"end":764.22,"confidence":0.99978906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07040183246135712},{"word":"are","start":764.22,"end":764.3,"confidence":0.99982053,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12387599050998688},{"word":"out","start":764.3,"end":764.45996,"confidence":0.9999366,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12480897456407548},{"word":"there","start":764.45996,"end":764.95996,"confidence":0.9997441,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.059835463762283325},{"word":"normally","start":766.93994,"end":767.42,"confidence":0.9943688,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":-0.12031187117099762},{"word":"if","start":767.42,"end":767.57996,"confidence":0.99853754,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.16368740797042847},{"word":"it","start":767.57996,"end":767.74,"confidence":0.9956989,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1706477850675583},{"word":"underperforms","start":767.74,"end":768.24,"confidence":0.9865443,"punctuated_word":"underperforms","sentiment":"neutral","sentiment_score":-0.11023209244012833},{"word":"for","start":768.3,"end":768.45996,"confidence":0.9984981,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1407184600830078},{"word":"a","start":768.45996,"end":768.54,"confidence":0.9951401,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13611352443695068},{"word":"year","start":768.54,"end":768.69995,"confidence":0.9972416,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.13296125829219818},{"word":"that's","start":768.69995,"end":768.93994,"confidence":0.9999203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.3065941631793976},{"word":"not","start":768.93994,"end":769.1,"confidence":0.9999045,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2737267017364502},{"word":"really","start":769.1,"end":769.33997,"confidence":0.99981946,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.30388137698173523},{"word":"that","start":769.33997,"end":769.5,"confidence":0.99936396,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.26489999890327454},{"word":"big","start":769.5,"end":769.66,"confidence":0.9996928,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.2439677268266678},{"word":"of","start":769.66,"end":769.81995,"confidence":0.99979883,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21989049017429352},{"word":"a","start":769.81995,"end":769.98,"confidence":0.9992467,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.273934006690979},{"word":"deal","start":769.98,"end":770.22,"confidence":0.9999678,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":-0.1181795597076416},{"word":"because","start":770.22,"end":770.45996,"confidence":0.9640518,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2036172151565552},{"word":"it","start":770.45996,"end":770.62,"confidence":0.9895326,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.24623742699623108},{"word":"averages","start":770.62,"end":771.1,"confidence":0.998919,"punctuated_word":"averages","sentiment":"neutral","sentiment_score":-0.1309150457382202},{"word":"out","start":771.1,"end":771.585,"confidence":0.76285267,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.13161322474479675},{"word":"but","start":771.825,"end":772.065,"confidence":0.9994981,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.23775391280651093},{"word":"this","start":772.065,"end":772.54504,"confidence":0.9999199,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4620334208011627},{"word":"particular","start":772.54504,"end":773.025,"confidence":0.9999714,"punctuated_word":"particular","sentiment":"negative","sentiment_score":-0.4387235641479492},{"word":"option","start":773.025,"end":773.34503,"confidence":0.9996916,"punctuated_word":"option","sentiment":"negative","sentiment_score":-0.368969202041626},{"word":"has","start":773.34503,"end":773.505,"confidence":0.9705539,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.5136127471923828},{"word":"kind","start":773.505,"end":773.745,"confidence":0.99013686,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.4457272589206696},{"word":"of","start":773.745,"end":773.825,"confidence":0.99911326,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5034580826759338},{"word":"been","start":773.825,"end":774.325,"confidence":0.9987313,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.46761277318000793},{"word":"sort","start":774.705,"end":774.945,"confidence":0.9836332,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.40238815546035767},{"word":"of","start":774.945,"end":775.185,"confidence":0.9995104,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4640407860279083},{"word":"under","start":775.185,"end":775.505,"confidence":0.5523696,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.3154436945915222},{"word":"skirting","start":775.505,"end":775.905,"confidence":0.9878491,"punctuated_word":"skirting","sentiment":"negative","sentiment_score":-0.380967229604721},{"word":"for","start":775.905,"end":776.145,"confidence":0.99345773,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.41018614172935486},{"word":"two","start":776.145,"end":776.305,"confidence":0.9997346,"punctuated_word":"two","sentiment":"negative","sentiment_score":-0.41694340109825134},{"word":"years","start":776.305,"end":776.805,"confidence":0.99854875,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.24192307889461517},{"word":"so","start":778.625,"end":779.10504,"confidence":0.99712914,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.49749526381492615},{"word":"that's","start":779.10504,"end":779.505,"confidence":0.99968207,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.4792667627334595},{"word":"my","start":779.505,"end":779.825,"confidence":0.99978465,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.4622039496898651},{"word":"my","start":779.825,"end":780.065,"confidence":0.9932348,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.39936524629592896},{"word":"pinpoint","start":780.065,"end":780.54504,"confidence":0.9941281,"punctuated_word":"pinpoint","sentiment":"neutral","sentiment_score":-0.2947734594345093},{"word":"to","start":780.54504,"end":780.705,"confidence":0.99028766,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4124484062194824},{"word":"say","start":780.705,"end":780.945,"confidence":0.82281595,"punctuated_word":"say,","sentiment":"negative","sentiment_score":-0.36204659938812256},{"word":"i'm","start":780.945,"end":781.10504,"confidence":0.7678275,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.5332736968994141},{"word":"gonna","start":781.10504,"end":781.42505,"confidence":0.88795626,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.5447081327438354},{"word":"have","start":781.42505,"end":781.585,"confidence":0.9941241,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4716140329837799},{"word":"to","start":781.585,"end":781.745,"confidence":0.9976024,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4856923520565033},{"word":"look","start":781.745,"end":781.905,"confidence":0.99929106,"punctuated_word":"look","sentiment":"negative","sentiment_score":-0.4269129037857056},{"word":"at","start":781.905,"end":782.145,"confidence":0.9997838,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.4285818338394165},{"word":"replacing","start":782.145,"end":782.625,"confidence":0.9997533,"punctuated_word":"replacing","sentiment":"negative","sentiment_score":-0.3774228990077973},{"word":"this","start":782.625,"end":782.86505,"confidence":0.9810554,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.516988217830658},{"word":"spend","start":782.86505,"end":783.10504,"confidence":0.45646486,"punctuated_word":"spend","sentiment":"negative","sentiment_score":-0.4196377694606781},{"word":"along","start":783.10504,"end":783.42505,"confidence":0.72428244,"punctuated_word":"along","sentiment":"negative","sentiment_score":-0.43702349066734314},{"word":"option","start":783.42505,"end":783.66504,"confidence":0.99786735,"punctuated_word":"option","sentiment":"negative","sentiment_score":-0.3782227039337158},{"word":"that","start":783.66504,"end":783.825,"confidence":0.99981326,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.37024664878845215},{"word":"you","start":783.825,"end":784.065,"confidence":0.99986506,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4615497589111328},{"word":"have","start":784.065,"end":784.38,"confidence":0.9981159,"punctuated_word":"have.","sentiment":"negative","sentiment_score":-0.44800132513046265},{"word":"the","start":784.54,"end":784.7,"confidence":0.999708,"punctuated_word":"The","sentiment":"negative","sentiment_score":-0.4389972686767578},{"word":"rest","start":784.7,"end":784.78,"confidence":0.99997437,"punctuated_word":"rest","sentiment":"negative","sentiment_score":-0.3739447593688965},{"word":"of","start":784.78,"end":784.86,"confidence":0.9999095,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4204587042331696},{"word":"them","start":784.86,"end":785.1,"confidence":0.99983466,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.4062272608280182},{"word":"are","start":785.1,"end":785.34,"confidence":0.99837875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.3083827793598175},{"word":"looking","start":785.34,"end":785.66003,"confidence":0.99989665,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.2769206166267395},{"word":"good","start":785.66003,"end":785.9,"confidence":0.99634314,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":-0.3128052353858948},{"word":"but","start":785.9,"end":786.14,"confidence":0.9999039,"punctuated_word":"but","sentiment":"negative","sentiment_score":-0.3983798027038574},{"word":"that","start":786.14,"end":786.3,"confidence":0.9998331,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5939379334449768},{"word":"one","start":786.3,"end":786.46,"confidence":0.9999007,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.6661897897720337},{"word":"in","start":786.46,"end":786.62,"confidence":0.9127184,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.6566738486289978},{"word":"particular","start":786.62,"end":787.1,"confidence":0.99890566,"punctuated_word":"particular","sentiment":"negative","sentiment_score":-0.6111792325973511},{"word":"is","start":787.1,"end":787.18,"confidence":0.96190554,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.6270928978919983},{"word":"kind","start":787.18,"end":787.42,"confidence":0.99035966,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.6064082384109497},{"word":"of","start":787.42,"end":787.5,"confidence":0.99951506,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.6475864052772522},{"word":"weighing","start":787.5,"end":787.82,"confidence":0.99487287,"punctuated_word":"weighing","sentiment":"negative","sentiment_score":-0.5941811203956604},{"word":"you","start":787.82,"end":787.98,"confidence":0.99821967,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.703389585018158},{"word":"down","start":787.98,"end":788.3,"confidence":0.99983466,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.5967726111412048},{"word":"a","start":788.3,"end":788.38,"confidence":0.99984837,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6339291930198669},{"word":"little","start":788.38,"end":788.54,"confidence":0.99996054,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.46108317375183105},{"word":"bit","start":788.54,"end":789.04,"confidence":0.9996613,"punctuated_word":"bit.","sentiment":"negative","sentiment_score":-0.46270427107810974},{"word":"k","start":791.18,"end":791.68,"confidence":0.7886213,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.006403898820281029},{"word":"so","start":791.74,"end":792.22003,"confidence":0.9992372,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.001869671046733856},{"word":"i","start":792.22003,"end":792.38,"confidence":0.99929416,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05702576786279678},{"word":"would","start":792.38,"end":792.62,"confidence":0.9999293,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.16352197527885437},{"word":"actually","start":792.62,"end":793.02,"confidence":0.9980927,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1152721345424652},{"word":"recommend","start":793.02,"end":793.42,"confidence":0.8633385,"punctuated_word":"recommend,","sentiment":"neutral","sentiment_score":0.12161724269390106},{"word":"like","start":793.42,"end":793.58,"confidence":0.9919368,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08838644623756409},{"word":"if","start":793.58,"end":793.74,"confidence":0.90476155,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1436750888824463},{"word":"you're","start":793.74,"end":793.9,"confidence":0.98712146,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09878207743167876},{"word":"comfortable","start":793.9,"end":794.38,"confidence":0.9992933,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.04150758683681488},{"word":"with","start":794.38,"end":794.62,"confidence":0.9983359,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11206452548503876},{"word":"just","start":794.62,"end":794.78,"confidence":0.99383247,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08659258484840393},{"word":"still","start":794.78,"end":795.02,"confidence":0.99917245,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1464669704437256},{"word":"growing","start":795.02,"end":795.34,"confidence":0.9997942,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.2109779417514801},{"word":"your","start":795.34,"end":795.58,"confidence":0.9960318,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28527337312698364},{"word":"super","start":795.58,"end":796.08,"confidence":0.9717946,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3525574505329132},{"word":"as","start":796.38,"end":796.54,"confidence":0.9672241,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3014274537563324},{"word":"it","start":796.54,"end":796.7,"confidence":0.99981445,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2695768177509308},{"word":"has","start":796.7,"end":796.94,"confidence":0.99979573,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2763766348361969},{"word":"been","start":796.94,"end":797.18,"confidence":0.99979943,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.28264015913009644},{"word":"and","start":797.18,"end":797.42,"confidence":0.98595375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2054293155670166},{"word":"and","start":797.42,"end":797.58,"confidence":0.9504962,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2314981371164322},{"word":"still","start":797.58,"end":797.9,"confidence":0.9955474,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23680895566940308},{"word":"aiming","start":797.9,"end":798.38,"confidence":0.999778,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.2796318233013153},{"word":"for","start":798.38,"end":798.54,"confidence":0.9997489,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3279254138469696},{"word":"those","start":798.54,"end":799.04,"confidence":0.9998281,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.337851881980896},{"word":"average","start":799.315,"end":799.635,"confidence":0.99982125,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.20389774441719055},{"word":"returns","start":799.635,"end":800.03503,"confidence":0.9996549,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.306683748960495},{"word":"that","start":800.03503,"end":800.195,"confidence":0.9998549,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27499011158943176},{"word":"we're","start":800.195,"end":800.35504,"confidence":0.99949896,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2185819149017334},{"word":"looking","start":800.35504,"end":800.67505,"confidence":0.9999378,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.16047848761081696},{"word":"for","start":800.67505,"end":801.17505,"confidence":0.9485355,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.1293354034423828},{"word":"i","start":801.55505,"end":801.715,"confidence":0.9993082,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12889811396598816},{"word":"would","start":801.715,"end":801.875,"confidence":0.9959384,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.017027124762535095},{"word":"at","start":801.875,"end":802.03503,"confidence":0.9885848,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06394925713539124},{"word":"least","start":802.03503,"end":802.275,"confidence":0.99980897,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.10861170291900636},{"word":"switch","start":802.275,"end":802.59503,"confidence":0.9992822,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.04830227792263031},{"word":"a","start":802.59503,"end":802.67505,"confidence":0.9994578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.036240823566913605},{"word":"few","start":802.67505,"end":802.91504,"confidence":0.999985,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.007186204195022583},{"word":"options","start":802.91504,"end":803.23505,"confidence":0.99990344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.022343650460243225},{"word":"around","start":803.23505,"end":803.635,"confidence":0.9995384,"punctuated_word":"around.","sentiment":"neutral","sentiment_score":0.021330244839191437},{"word":"i","start":803.635,"end":803.79504,"confidence":0.9974527,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004392385482788086},{"word":"wouldn't","start":803.79504,"end":804.03503,"confidence":0.9998839,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.02228870987892151},{"word":"increase","start":804.03503,"end":804.43506,"confidence":0.99975795,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.27606332302093506},{"word":"your","start":804.43506,"end":804.59503,"confidence":0.9994967,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17584148049354553},{"word":"risk","start":804.59503,"end":804.91504,"confidence":0.999108,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.27834179997444153},{"word":"or","start":804.91504,"end":805.075,"confidence":0.9990995,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.23291069269180295},{"word":"anything","start":805.075,"end":805.47504,"confidence":0.99987304,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.14883071184158325},{"word":"like","start":805.47504,"end":805.635,"confidence":0.99967456,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.15403568744659424},{"word":"that","start":805.635,"end":805.955,"confidence":0.99957293,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1120283380150795},{"word":"or","start":805.955,"end":806.195,"confidence":0.96521133,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1674291491508484},{"word":"put","start":806.195,"end":806.43506,"confidence":0.9992679,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.13583950698375702},{"word":"more","start":806.43506,"end":806.59503,"confidence":0.99979967,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.12366273999214172},{"word":"money","start":806.59503,"end":806.99506,"confidence":0.99975044,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.0030430853366851807},{"word":"in","start":806.99506,"end":807.49506,"confidence":0.7700131,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.0442318394780159},{"word":"just","start":807.79504,"end":808.11505,"confidence":0.99906677,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02784763276576996},{"word":"kind","start":808.11505,"end":808.275,"confidence":0.9964007,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03784149885177612},{"word":"of","start":808.275,"end":808.775,"confidence":0.99980456,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04352527856826782},{"word":"switch","start":808.91504,"end":809.315,"confidence":0.997526,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.008388444781303406},{"word":"some","start":809.315,"end":809.47504,"confidence":0.9978454,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0038962960243225098},{"word":"options","start":809.47504,"end":809.875,"confidence":0.99989307,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.0136023610830307},{"word":"around","start":809.875,"end":810.195,"confidence":0.9998349,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.10985851287841795},{"word":"for","start":810.195,"end":810.35504,"confidence":0.9993019,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11566515266895294},{"word":"you","start":810.35504,"end":810.85504,"confidence":0.99737823,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08978712558746338},{"word":"yep","start":811.17,"end":811.67,"confidence":0.98331165,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21052448451519012},{"word":"and","start":817.17,"end":817.64996,"confidence":0.9986507,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.28916609287261963},{"word":"we","start":817.64996,"end":817.88995,"confidence":0.999416,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.29786568880081177},{"word":"already","start":817.88995,"end":818.29,"confidence":0.99968565,"punctuated_word":"already","sentiment":"positive","sentiment_score":0.36830994486808777},{"word":"have","start":818.29,"end":818.79,"confidence":0.9999229,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3264084458351135},{"word":"a","start":819.81,"end":819.97,"confidence":0.92002434,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28767693042755127},{"word":"few","start":819.97,"end":820.20996,"confidence":0.9986357,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.2971280813217163},{"word":"in","start":820.20996,"end":820.37,"confidence":0.99959713,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21326212584972384},{"word":"mind","start":820.37,"end":820.61,"confidence":0.74337393,"punctuated_word":"mind.","sentiment":"neutral","sentiment_score":0.31157147884368896},{"word":"like","start":820.61,"end":820.69,"confidence":0.93255234,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.2646959125995636},{"word":"i've","start":820.69,"end":820.93,"confidence":0.9997037,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2853021025657654},{"word":"been","start":820.93,"end":821.08997,"confidence":0.9998294,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.26614758372306824},{"word":"talking","start":821.08997,"end":821.32996,"confidence":0.99972636,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.2745676338672638},{"word":"to","start":821.32996,"end":821.49,"confidence":0.9996469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2800707221031189},{"word":"our","start":821.49,"end":821.73,"confidence":0.99979013,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.26492953300476074},{"word":"investment","start":821.73,"end":822.20996,"confidence":0.9938631,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2648499310016632},{"word":"committee","start":822.20996,"end":822.70996,"confidence":0.9997634,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.2902238368988037},{"word":"about","start":822.93,"end":823.365,"confidence":0.9938538,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.20434868335723877},{"word":"some","start":823.445,"end":823.765,"confidence":0.9999341,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.24251896142959595},{"word":"options","start":823.765,"end":824.08496,"confidence":0.9998667,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.1612643599510193},{"word":"in","start":824.08496,"end":824.325,"confidence":0.9999242,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2521606683731079},{"word":"that","start":824.325,"end":824.565,"confidence":0.9976088,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20941737294197085},{"word":"australian","start":824.565,"end":825.045,"confidence":0.9982516,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.22892025113105777},{"word":"space","start":825.045,"end":825.285,"confidence":0.9986993,"punctuated_word":"space","sentiment":"neutral","sentiment_score":0.2058815062046051},{"word":"because","start":825.285,"end":825.445,"confidence":0.62818396,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.21291574835777283},{"word":"i've","start":825.445,"end":825.605,"confidence":0.9993504,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2469915747642517},{"word":"noticed","start":825.605,"end":826.08496,"confidence":0.99942696,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":0.2627086639404297},{"word":"a","start":826.08496,"end":826.245,"confidence":0.71851486,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21031585335731504},{"word":"little","start":826.245,"end":826.40497,"confidence":0.9800631,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12156502157449722},{"word":"bit","start":826.40497,"end":826.645,"confidence":0.9997099,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20614886283874512},{"word":"this","start":826.645,"end":826.805,"confidence":0.99948645,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2523511052131653},{"word":"year","start":826.805,"end":827.045,"confidence":0.99958366,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.3248836398124695},{"word":"since","start":827.045,"end":827.285,"confidence":0.99389184,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.28281572461128235},{"word":"we've","start":827.285,"end":827.445,"confidence":0.9991449,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.23764196038246155},{"word":"come","start":827.445,"end":827.605,"confidence":0.9998455,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2855720520019531},{"word":"back","start":827.605,"end":827.845,"confidence":0.99960333,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.26762908697128296},{"word":"from","start":827.845,"end":828.005,"confidence":0.99825674,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.23353569209575653},{"word":"christmas","start":828.005,"end":828.505,"confidence":0.9966725,"punctuated_word":"Christmas.","sentiment":"neutral","sentiment_score":0.18686985969543457},{"word":"i","start":829.685,"end":829.925,"confidence":0.99926394,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10313516855239868},{"word":"do","start":829.925,"end":830.08496,"confidence":0.99989223,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08047568798065186},{"word":"just","start":830.08496,"end":830.245,"confidence":0.9998454,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.003353625535964966},{"word":"have","start":830.245,"end":830.40497,"confidence":0.9998951,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.014568150043487549},{"word":"to","start":830.40497,"end":830.565,"confidence":0.9996222,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.013300783932209017},{"word":"ask","start":830.565,"end":830.725,"confidence":0.9999285,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.005618877708911896},{"word":"you","start":830.725,"end":830.885,"confidence":0.9998591,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01804545521736145},{"word":"one","start":830.885,"end":830.96497,"confidence":0.9997861,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.008596882224082947},{"word":"question","start":830.96497,"end":831.285,"confidence":0.9934194,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.026026565581560135},{"word":"there's","start":831.285,"end":831.52496,"confidence":0.9997108,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.14222924411296844},{"word":"no","start":831.52496,"end":831.765,"confidence":0.9998305,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.10312186181545258},{"word":"right","start":831.765,"end":831.925,"confidence":0.999548,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.19549350440502167},{"word":"or","start":831.925,"end":832.08496,"confidence":0.9993486,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.19587387144565585},{"word":"wrong","start":832.08496,"end":832.325,"confidence":0.99971193,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.20247475802898407},{"word":"answer","start":832.325,"end":832.565,"confidence":0.9994435,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.241397887468338},{"word":"for","start":832.565,"end":832.725,"confidence":0.99820936,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.17824676632881165},{"word":"this","start":832.725,"end":832.96497,"confidence":0.997648,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":-0.16038522124290466},{"word":"it's","start":832.96497,"end":833.285,"confidence":0.9997561,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07224658131599426},{"word":"really","start":833.285,"end":833.52496,"confidence":0.9998832,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.15266722440719604},{"word":"just","start":833.52496,"end":833.765,"confidence":0.9996989,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07685160636901855},{"word":"about","start":833.765,"end":834.165,"confidence":0.9867294,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11799199879169464},{"word":"that","start":834.165,"end":834.40497,"confidence":0.7165521,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22606326639652252},{"word":"feeling","start":834.40497,"end":834.725,"confidence":0.9891761,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":0.19552397727966309},{"word":"because","start":834.725,"end":835.045,"confidence":0.85702837,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12854832410812378},{"word":"i","start":835.045,"end":835.125,"confidence":0.9997458,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2199339419603348},{"word":"can","start":835.125,"end":835.285,"confidence":0.9998715,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23398028314113617},{"word":"pick","start":835.285,"end":835.52496,"confidence":0.99949694,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.22903890907764435},{"word":"a","start":835.52496,"end":835.605,"confidence":0.99953115,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22072765231132507},{"word":"good","start":835.605,"end":835.765,"confidence":0.999923,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2447915077209473},{"word":"one","start":835.765,"end":836.08496,"confidence":0.999706,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.21133124828338623},{"word":"either","start":836.08496,"end":836.325,"confidence":0.99836904,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.12122535705566406},{"word":"way","start":836.325,"end":836.7,"confidence":0.9946556,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.10928576439619064},{"word":"and","start":838.06,"end":838.3,"confidence":0.9989322,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03649783879518509},{"word":"the","start":838.3,"end":838.38,"confidence":0.99972504,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015935927629470825},{"word":"question","start":838.38,"end":838.78,"confidence":0.99988127,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.04835693538188934},{"word":"is","start":838.78,"end":839.10004,"confidence":0.7650249,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.012145709246397018},{"word":"if","start":839.10004,"end":839.26,"confidence":0.9984713,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05426174774765968},{"word":"you","start":839.26,"end":839.42,"confidence":0.999843,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06736390292644501},{"word":"could","start":839.42,"end":839.66003,"confidence":0.99957436,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.07515695691108704},{"word":"choose","start":839.66003,"end":839.98004,"confidence":0.9996722,"punctuated_word":"choose","sentiment":"neutral","sentiment_score":0.02407953143119812},{"word":"between","start":839.98004,"end":840.48004,"confidence":0.9450554,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.02932942658662796},{"word":"like","start":840.78,"end":841.02,"confidence":0.9970367,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.018626727163791656},{"word":"the","start":841.02,"end":841.18,"confidence":0.99992406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04303868114948273},{"word":"lowest","start":841.18,"end":841.68,"confidence":0.9999018,"punctuated_word":"lowest","sentiment":"neutral","sentiment_score":0.06288526952266693},{"word":"fees","start":841.74,"end":842.24,"confidence":0.99747187,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.06820960342884064},{"word":"or","start":842.78,"end":843.28,"confidence":0.98512936,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05946508049964905},{"word":"paying","start":843.58,"end":844.08,"confidence":0.99912125,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.05193939805030823},{"word":"higher","start":844.62,"end":845.02,"confidence":0.99904364,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.0464354008436203},{"word":"investment","start":845.02,"end":845.52,"confidence":0.99960667,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.03331869840621948},{"word":"fees","start":845.58,"end":845.82,"confidence":0.9984768,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.0711931511759758},{"word":"to","start":845.82,"end":845.98004,"confidence":0.99917185,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02911408245563507},{"word":"try","start":845.98004,"end":846.14,"confidence":0.9996338,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.011864304542541504},{"word":"and","start":846.14,"end":846.22003,"confidence":0.9985317,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08263096958398819},{"word":"get","start":846.22003,"end":846.38,"confidence":0.9999008,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1007542833685875},{"word":"a","start":846.38,"end":846.54004,"confidence":0.99941754,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09070868790149687},{"word":"higher","start":846.54004,"end":846.86,"confidence":0.99930763,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.07221749424934387},{"word":"return","start":846.86,"end":847.36,"confidence":0.99470264,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.1143273115158081},{"word":"which","start":847.82,"end":848.06,"confidence":0.9994055,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.02353605628013611},{"word":"way","start":848.06,"end":848.3,"confidence":0.99970585,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.011373139917850494},{"word":"do","start":848.3,"end":848.54004,"confidence":0.99867934,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.007254809141159058},{"word":"you","start":848.54004,"end":848.7,"confidence":0.99879044,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04517965763807297},{"word":"lean","start":848.7,"end":849.18,"confidence":0.96974605,"punctuated_word":"lean","sentiment":"neutral","sentiment_score":0.10922710597515106},{"word":"personally","start":849.18,"end":849.68,"confidence":0.9891019,"punctuated_word":"personally?","sentiment":"neutral","sentiment_score":0.09888435900211334},{"word":"well","start":871.28,"end":871.78,"confidence":0.83803266,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.014553795568645},{"word":"your","start":872.24,"end":872.56,"confidence":0.96699876,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01458670012652874},{"word":"that","start":872.8,"end":873.04004,"confidence":0.999161,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01498112827539444},{"word":"benelon","start":873.04004,"end":873.52,"confidence":0.6483945,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.015139453113079073},{"word":"option","start":873.52,"end":873.76,"confidence":0.96915364,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.02273068204522133},{"word":"that","start":873.76,"end":873.92004,"confidence":0.99369264,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.002500789240002632},{"word":"i'm","start":873.92004,"end":874.08,"confidence":0.99990934,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.002366960048675537},{"word":"looking","start":874.08,"end":874.32,"confidence":0.9998387,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.01194017007946968},{"word":"at","start":874.32,"end":874.48004,"confidence":0.9997861,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01034684292972088},{"word":"replacing","start":874.48004,"end":874.98004,"confidence":0.98608685,"punctuated_word":"replacing,","sentiment":"neutral","sentiment_score":-0.0027715954929590225},{"word":"that's","start":875.12,"end":875.52,"confidence":0.9989896,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.005494953598827124},{"word":"in","start":875.52,"end":876.02,"confidence":0.99970204,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.005864977836608887},{"word":"an","start":876.24,"end":876.48004,"confidence":0.993793,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.008085949346423149},{"word":"active","start":876.48004,"end":876.98004,"confidence":0.9996407,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.02842037007212639},{"word":"space","start":877.455,"end":877.955,"confidence":0.9727622,"punctuated_word":"space,","sentiment":"neutral","sentiment_score":0.019949376583099365},{"word":"which","start":878.015,"end":878.255,"confidence":0.999899,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.015999553725123405},{"word":"is","start":878.255,"end":878.49506,"confidence":0.9999459,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.017690684646368027},{"word":"that","start":878.49506,"end":878.73505,"confidence":0.99940646,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009890610352158546},{"word":"kind","start":878.73505,"end":878.97504,"confidence":0.99650013,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.046656012535095215},{"word":"of","start":878.97504,"end":879.05505,"confidence":0.9998977,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06150477007031441},{"word":"high","start":879.05505,"end":879.375,"confidence":0.9969528,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.13787616789340973},{"word":"fees","start":879.375,"end":879.695,"confidence":0.91401815,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.07836524397134781},{"word":"to","start":879.695,"end":879.775,"confidence":0.9996088,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11601220816373824},{"word":"get","start":879.775,"end":879.935,"confidence":0.9999502,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.11828793585300446},{"word":"the","start":879.935,"end":880.09503,"confidence":0.99870944,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11626873165369034},{"word":"high","start":880.09503,"end":880.335,"confidence":0.9948146,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.1627323478460312},{"word":"returns","start":880.335,"end":880.835,"confidence":0.9290304,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":-0.08096426725387573},{"word":"but","start":881.215,"end":881.375,"confidence":0.9990671,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05404543876647949},{"word":"it","start":881.375,"end":881.53503,"confidence":0.99987316,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11280764639377594},{"word":"hasn't","start":881.53503,"end":881.85504,"confidence":0.99995613,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.07695566117763519},{"word":"actually","start":881.85504,"end":882.255,"confidence":0.9995328,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.09421057999134064},{"word":"done","start":882.255,"end":882.575,"confidence":0.9998062,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.11007556319236755},{"word":"that","start":882.575,"end":882.97504,"confidence":0.89229655,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.10701122879981996},{"word":"if","start":882.97504,"end":883.215,"confidence":0.99939966,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09515146911144257},{"word":"that","start":883.215,"end":883.375,"confidence":0.99993217,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06991534680128098},{"word":"makes","start":883.375,"end":883.61505,"confidence":0.99062485,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.06220337003469467},{"word":"sense","start":883.61505,"end":884.11505,"confidence":0.9937743,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.01827084645628929},{"word":"so","start":884.17505,"end":884.41504,"confidence":0.99961,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04634249582886696},{"word":"what","start":884.41504,"end":884.655,"confidence":0.9994685,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06991107761859894},{"word":"i'm","start":884.655,"end":884.73505,"confidence":0.9999401,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06657849252223969},{"word":"saying","start":884.73505,"end":885.05505,"confidence":0.9998566,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.09217781573534012},{"word":"is","start":885.05505,"end":885.375,"confidence":0.99971586,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07759138941764832},{"word":"i","start":885.375,"end":885.455,"confidence":0.93408674,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07938148081302643},{"word":"can","start":885.455,"end":885.695,"confidence":0.99994683,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10160447657108308},{"word":"keep","start":885.695,"end":885.935,"confidence":0.99991953,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.12147384881973268},{"word":"it","start":885.935,"end":886.09503,"confidence":0.99964464,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.049111951142549515},{"word":"in","start":886.09503,"end":886.335,"confidence":0.9997532,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0709097683429718},{"word":"the","start":886.335,"end":886.41504,"confidence":0.9996351,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09609241038560867},{"word":"same","start":886.41504,"end":886.815,"confidence":0.99980575,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.11618036031723022},{"word":"style","start":886.815,"end":887.315,"confidence":0.99980766,"punctuated_word":"style","sentiment":"neutral","sentiment_score":0.045875877141952515},{"word":"and","start":887.695,"end":887.935,"confidence":0.9949797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07042869925498962},{"word":"replace","start":887.935,"end":888.335,"confidence":0.99987423,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.035665180534124374},{"word":"it","start":888.335,"end":888.835,"confidence":0.99951315,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03321567922830582},{"word":"like","start":889.29504,"end":889.455,"confidence":0.79682523,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05798676609992981},{"word":"for","start":889.455,"end":889.775,"confidence":0.9912213,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04646836221218109},{"word":"like","start":889.775,"end":890.275,"confidence":0.9852565,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.043978478759527206},{"word":"with","start":890.41504,"end":890.655,"confidence":0.98524845,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05347878858447075},{"word":"another","start":890.655,"end":891.05505,"confidence":0.9998441,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.047871269285678864},{"word":"active","start":891.05505,"end":891.375,"confidence":0.99980026,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.08112531900405884},{"word":"option","start":891.375,"end":891.695,"confidence":0.99961853,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.07111707329750061},{"word":"that","start":891.695,"end":891.935,"confidence":0.9997824,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1022518277168274},{"word":"has","start":891.935,"end":892.17505,"confidence":0.9997328,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.06749172508716583},{"word":"actually","start":892.17505,"end":892.575,"confidence":0.99956864,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.06283213198184967},{"word":"done","start":892.575,"end":892.815,"confidence":0.99954814,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.05860726535320282},{"word":"that","start":892.815,"end":893.19,"confidence":0.98738945,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.044971685856580734},{"word":"yes","start":897.27,"end":897.75,"confidence":0.98721397,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.24649667739868164},{"word":"and","start":897.75,"end":897.99,"confidence":0.9984865,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.28931567072868347},{"word":"slightly","start":897.99,"end":898.47003,"confidence":0.9767388,"punctuated_word":"slightly","sentiment":"positive","sentiment_score":0.33911654353141785},{"word":"lower","start":898.47003,"end":898.79,"confidence":0.9995394,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.31183964014053345},{"word":"fees","start":898.79,"end":899.29,"confidence":0.7675607,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.259762704372406},{"word":"similar","start":899.59,"end":900.09,"confidence":0.93448293,"punctuated_word":"similar,","sentiment":"positive","sentiment_score":0.3666297197341919},{"word":"slightly","start":900.15,"end":900.65,"confidence":0.9995148,"punctuated_word":"slightly","sentiment":"positive","sentiment_score":0.4617979824542999},{"word":"slightly","start":900.71,"end":901.11,"confidence":0.9617198,"punctuated_word":"slightly","sentiment":"positive","sentiment_score":0.4601276814937592},{"word":"more","start":901.11,"end":901.35,"confidence":0.9995937,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4937334954738617},{"word":"affordable","start":901.35,"end":901.83,"confidence":0.9933103,"punctuated_word":"affordable,","sentiment":"positive","sentiment_score":0.5157315135002136},{"word":"but","start":901.83,"end":901.99,"confidence":0.9996625,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.5027334094047546},{"word":"it's","start":901.99,"end":902.23,"confidence":0.99913085,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5926774144172668},{"word":"actually","start":902.23,"end":902.55,"confidence":0.99944943,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5794034600257874},{"word":"done","start":902.55,"end":902.79,"confidence":0.9997209,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.6332125067710876},{"word":"really","start":902.79,"end":903.03,"confidence":0.99988556,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6578876376152039},{"word":"well","start":903.03,"end":903.27,"confidence":0.99990714,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.6598596572875977},{"word":"over","start":903.27,"end":903.59,"confidence":0.9996748,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6317660212516785},{"word":"one","start":903.59,"end":903.91,"confidence":0.9839741,"punctuated_word":"one,","sentiment":"positive","sentiment_score":0.4233396053314209},{"word":"three","start":903.91,"end":904.31,"confidence":0.9977119,"punctuated_word":"three,","sentiment":"positive","sentiment_score":0.4392661154270172},{"word":"five","start":904.31,"end":904.63,"confidence":0.9741931,"punctuated_word":"five,","sentiment":"positive","sentiment_score":0.4451935589313507},{"word":"and","start":904.63,"end":904.79,"confidence":0.99942267,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3847156763076782},{"word":"ten","start":904.79,"end":905.11,"confidence":0.9998803,"punctuated_word":"ten","sentiment":"positive","sentiment_score":0.4314691424369812},{"word":"years","start":905.11,"end":905.61,"confidence":0.81751525,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.42638808488845825},{"word":"and","start":906.015,"end":906.335,"confidence":0.9995105,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.449151873588562},{"word":"it","start":906.335,"end":906.655,"confidence":0.9996933,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5621551871299744},{"word":"would","start":906.655,"end":906.815,"confidence":0.99990106,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4857926070690155},{"word":"just","start":906.815,"end":906.97504,"confidence":0.9998417,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4016208052635193},{"word":"be","start":906.97504,"end":907.05505,"confidence":0.9998628,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4354153871536255},{"word":"a","start":907.05505,"end":907.215,"confidence":0.9990355,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4898797571659088},{"word":"straight","start":907.215,"end":907.455,"confidence":0.9995802,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.47646623849868774},{"word":"upgrade","start":907.455,"end":907.955,"confidence":0.9984157,"punctuated_word":"upgrade","sentiment":"positive","sentiment_score":0.4627346694469452},{"word":"and","start":908.17505,"end":908.495,"confidence":0.9391007,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4256741404533386},{"word":"sidestep","start":908.495,"end":908.97504,"confidence":0.9221446,"punctuated_word":"sidestep","sentiment":"positive","sentiment_score":0.4420987665653229},{"word":"for","start":908.97504,"end":909.215,"confidence":0.99950516,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.43823087215423584},{"word":"you","start":909.215,"end":909.715,"confidence":0.99969345,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3400072455406189},{"word":"yep","start":915.215,"end":915.715,"confidence":0.9775236,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1861804723739624},{"word":"and","start":916.015,"end":916.41504,"confidence":0.9958259,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17332226037979126},{"word":"what","start":916.41504,"end":916.655,"confidence":0.9969523,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17808111011981964},{"word":"it","start":916.655,"end":916.73505,"confidence":0.99583864,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1826397031545639},{"word":"is","start":916.73505,"end":916.895,"confidence":0.8598614,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.17791062593460083},{"word":"like","start":916.895,"end":917.135,"confidence":0.96838236,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15466219186782837},{"word":"we","start":917.135,"end":917.375,"confidence":0.999778,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19263750314712524},{"word":"we","start":917.375,"end":917.455,"confidence":0.9950113,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2030676901340485},{"word":"always","start":917.455,"end":917.775,"confidence":0.99942076,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.19083863496780396},{"word":"do","start":917.775,"end":917.85504,"confidence":0.9995403,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2297174334526062},{"word":"a","start":917.85504,"end":917.935,"confidence":0.99808854,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22431311011314392},{"word":"bit","start":917.935,"end":918.09503,"confidence":0.99745923,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19179776310920715},{"word":"of","start":918.09503,"end":918.17505,"confidence":0.9982799,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1876868307590485},{"word":"a","start":918.17505,"end":918.335,"confidence":0.9992048,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1803048849105835},{"word":"blend","start":918.335,"end":918.575,"confidence":0.87366736,"punctuated_word":"blend.","sentiment":"neutral","sentiment_score":0.17197144031524658},{"word":"like","start":918.575,"end":918.73505,"confidence":0.9896947,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.17637962102890015},{"word":"you","start":918.73505,"end":918.895,"confidence":0.9994448,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24671870470046997},{"word":"do","start":918.895,"end":919.05505,"confidence":0.9991117,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.25944727659225464},{"word":"have","start":919.05505,"end":919.215,"confidence":0.99726295,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21729497611522677},{"word":"a","start":919.215,"end":919.29504,"confidence":0.99082816,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1947871297597885},{"word":"mix","start":919.29504,"end":919.62,"confidence":0.99940777,"punctuated_word":"mix","sentiment":"neutral","sentiment_score":0.16362378001213074},{"word":"of","start":919.7,"end":919.86,"confidence":0.9999001,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18506011366844177},{"word":"low","start":919.86,"end":920.1,"confidence":0.98866755,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.18168452382087708},{"word":"fee","start":920.1,"end":920.33997,"confidence":0.9932476,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.13193222880363464},{"word":"options","start":920.33997,"end":920.82,"confidence":0.99977845,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.1399187445640564},{"word":"and","start":920.82,"end":921.06,"confidence":0.9946367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.142996147274971},{"word":"and","start":921.06,"end":921.46,"confidence":0.98685336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1482037603855133},{"word":"the","start":921.46,"end":921.54,"confidence":0.9928886,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19911588728427887},{"word":"active","start":921.54,"end":921.94,"confidence":0.9997181,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.19609396159648895},{"word":"options","start":921.94,"end":922.44,"confidence":0.9866123,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.12599705159664154},{"word":"that's","start":922.98,"end":923.3,"confidence":0.9983028,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13848599791526794},{"word":"kind","start":923.3,"end":923.54,"confidence":0.9947573,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1680743396282196},{"word":"of","start":923.54,"end":923.7,"confidence":0.99929273,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17962992191314697},{"word":"our","start":923.7,"end":923.86,"confidence":0.9740519,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1573379784822464},{"word":"view","start":923.86,"end":924.18,"confidence":0.31500497,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.16577881574630737},{"word":"philosophy","start":924.18,"end":924.68,"confidence":0.9966318,"punctuated_word":"philosophy","sentiment":"neutral","sentiment_score":0.16668592393398285},{"word":"is","start":924.74,"end":924.9,"confidence":0.85252535,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.200638085603714},{"word":"having","start":924.9,"end":925.22,"confidence":0.88917494,"punctuated_word":"having,","sentiment":"neutral","sentiment_score":0.1794096678495407},{"word":"like","start":925.22,"end":925.38,"confidence":0.97115004,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1453060358762741},{"word":"we","start":925.38,"end":925.54,"confidence":0.9885815,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14143726229667664},{"word":"call","start":925.54,"end":925.7,"confidence":0.9868644,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.11028937995433807},{"word":"it","start":925.7,"end":925.77997,"confidence":0.97536296,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1264295130968094},{"word":"a","start":925.77997,"end":925.94,"confidence":0.8837052,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14410769939422607},{"word":"current","start":925.94,"end":926.33997,"confidence":0.46226332,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.1716281920671463},{"word":"satellite","start":926.33997,"end":926.83997,"confidence":0.98008156,"punctuated_word":"satellite.","sentiment":"neutral","sentiment_score":0.13134902715682983},{"word":"you've","start":926.98,"end":927.14,"confidence":0.922081,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.15996265411376953},{"word":"got","start":927.14,"end":927.3,"confidence":0.9978941,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1609283685684204},{"word":"your","start":927.3,"end":927.46,"confidence":0.99780697,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1750946044921875},{"word":"steady","start":927.46,"end":927.77997,"confidence":0.99541616,"punctuated_word":"steady","sentiment":"neutral","sentiment_score":0.18216776847839355},{"word":"ship","start":927.77997,"end":928.02,"confidence":0.9882514,"punctuated_word":"ship","sentiment":"neutral","sentiment_score":0.14151915907859802},{"word":"in","start":928.02,"end":928.18,"confidence":0.9999325,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15099728107452393},{"word":"the","start":928.18,"end":928.33997,"confidence":0.99976844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15776637196540833},{"word":"middle","start":928.33997,"end":928.74,"confidence":0.99997735,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.20392687618732452},{"word":"and","start":928.74,"end":928.98,"confidence":0.92633486,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14371661841869354},{"word":"a","start":928.98,"end":929.06,"confidence":0.9992436,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1614556908607483},{"word":"few","start":929.06,"end":929.3,"confidence":0.9999502,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.14212794601917267},{"word":"sled","start":929.3,"end":929.54,"confidence":0.98961115,"punctuated_word":"sled","sentiment":"neutral","sentiment_score":0.1612335741519928},{"word":"dogs","start":929.54,"end":929.77997,"confidence":0.99735487,"punctuated_word":"dogs","sentiment":"neutral","sentiment_score":0.12342540174722672},{"word":"that","start":929.77997,"end":929.94,"confidence":0.99865985,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17227590084075928},{"word":"pull","start":929.94,"end":930.18,"confidence":0.9994691,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.18095393478870392},{"word":"you","start":930.18,"end":930.26,"confidence":0.99924266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12788689136505127},{"word":"along","start":930.26,"end":930.58,"confidence":0.9994598,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.1443869024515152},{"word":"a","start":930.58,"end":930.66,"confidence":0.999808,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14998692274093628},{"word":"little","start":930.66,"end":930.9,"confidence":0.9999571,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0960078239440918},{"word":"bit","start":930.9,"end":931.06,"confidence":0.9998772,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09883224219083786},{"word":"quicker","start":931.06,"end":931.56,"confidence":0.99953294,"punctuated_word":"quicker.","sentiment":"neutral","sentiment_score":0.09981141239404678},{"word":"k","start":931.635,"end":932.135,"confidence":0.8698838,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.055543527007102966},{"word":"so","start":933.47504,"end":933.715,"confidence":0.99759644,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.173569455742836},{"word":"all","start":933.715,"end":933.875,"confidence":0.99786323,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14275874197483063},{"word":"i'm","start":933.875,"end":934.03503,"confidence":0.9999519,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16160625219345093},{"word":"saying","start":934.03503,"end":934.195,"confidence":0.9998909,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.1707214117050171},{"word":"is","start":934.195,"end":934.355,"confidence":0.99436593,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15621092915534973},{"word":"if","start":934.355,"end":934.435,"confidence":0.96225256,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16094838082790375},{"word":"there's","start":934.435,"end":934.675,"confidence":0.9996319,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1015484780073166},{"word":"no","start":934.675,"end":934.835,"confidence":0.99984145,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.08065905421972275},{"word":"major","start":934.835,"end":935.075,"confidence":0.9999347,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.05672837793827057},{"word":"issue","start":935.075,"end":935.315,"confidence":0.9997079,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":-0.003197900950908661},{"word":"where","start":935.315,"end":935.47504,"confidence":0.95894784,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0033711493015289307},{"word":"you're","start":935.47504,"end":935.555,"confidence":0.9801904,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09102299064397812},{"word":"like","start":935.555,"end":935.715,"confidence":0.97645247,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07329586148262024},{"word":"look","start":935.715,"end":935.875,"confidence":0.7889492,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.051573265343904495},{"word":"i","start":935.875,"end":936.03503,"confidence":0.99984324,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09256918728351592},{"word":"wanna","start":936.03503,"end":936.355,"confidence":0.8976667,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11020417511463164},{"word":"completely","start":936.355,"end":936.855,"confidence":0.9981523,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.08837159723043442},{"word":"overhaul","start":936.91504,"end":937.315,"confidence":0.99984133,"punctuated_word":"overhaul","sentiment":"neutral","sentiment_score":0.05582977086305618},{"word":"everything","start":937.315,"end":937.715,"confidence":0.99973434,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06024566292762756},{"word":"and","start":937.715,"end":937.875,"confidence":0.9873289,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.056321997195482254},{"word":"go","start":937.875,"end":938.115,"confidence":0.99827015,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1207704022526741},{"word":"completely","start":938.115,"end":938.59503,"confidence":0.8493658,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.10074523091316225},{"word":"different","start":938.59503,"end":939.075,"confidence":0.9980457,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.038848843425512314},{"word":"style","start":939.075,"end":939.575,"confidence":0.98749465,"punctuated_word":"style,","sentiment":"neutral","sentiment_score":0.07570001482963562},{"word":"then","start":940.195,"end":940.695,"confidence":0.99945253,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07595168799161911},{"word":"i","start":940.835,"end":940.995,"confidence":0.9994641,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10273599624633788},{"word":"can","start":940.995,"end":941.315,"confidence":0.9998264,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11399874091148376},{"word":"just","start":941.315,"end":941.635,"confidence":0.999647,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12790971994400024},{"word":"fix","start":941.635,"end":941.955,"confidence":0.99940467,"punctuated_word":"fix","sentiment":"neutral","sentiment_score":0.12544700503349304},{"word":"it","start":941.955,"end":942.03503,"confidence":0.9998229,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07225783169269562},{"word":"up","start":942.03503,"end":942.275,"confidence":0.9998554,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.11717461049556732},{"word":"a","start":942.275,"end":942.355,"confidence":0.99964607,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12522366642951965},{"word":"little","start":942.355,"end":942.59503,"confidence":0.9999105,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11090564727783205},{"word":"bit","start":942.59503,"end":942.995,"confidence":0.92528605,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.11495655030012132},{"word":"and","start":942.995,"end":943.155,"confidence":0.9992632,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11366365104913712},{"word":"you","start":943.155,"end":943.395,"confidence":0.9998141,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13133765757083893},{"word":"should","start":943.395,"end":943.555,"confidence":0.99979264,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.19687387347221377},{"word":"be","start":943.555,"end":943.715,"confidence":0.9992465,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2036830633878708},{"word":"right","start":943.715,"end":944.13,"confidence":0.983619,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.2649073302745819},{"word":"perfect","start":951.89,"end":952.39,"confidence":0.99672616,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4801422357559204},{"word":"and","start":952.45,"end":952.69,"confidence":0.9981055,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2294134795665741},{"word":"the","start":952.69,"end":952.85,"confidence":0.99880624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16177889704704285},{"word":"only","start":952.85,"end":953.01,"confidence":0.99905854,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.12772858142852783},{"word":"other","start":953.01,"end":953.25,"confidence":0.9991296,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09612534195184708},{"word":"one","start":953.25,"end":953.41003,"confidence":0.99970263,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07649111747741699},{"word":"that","start":953.41003,"end":953.57,"confidence":0.9996748,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07450494170188904},{"word":"i've","start":953.57,"end":953.73,"confidence":0.9994316,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08050575107336044},{"word":"noted","start":953.73,"end":954.23,"confidence":0.9739213,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.11442643404006958},{"word":"yeah","start":960.465,"end":960.78503,"confidence":0.98986197,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0759374275803566},{"word":"and","start":960.78503,"end":961.025,"confidence":0.998953,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08897166699171066},{"word":"some","start":961.025,"end":961.185,"confidence":0.99981946,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1126476526260376},{"word":"of","start":961.185,"end":961.34503,"confidence":0.9999387,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1131906434893608},{"word":"our","start":961.34503,"end":961.585,"confidence":0.9972549,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.13052557408809662},{"word":"portfolios","start":961.585,"end":962.065,"confidence":0.995948,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.13348135352134705},{"word":"have","start":962.065,"end":962.22504,"confidence":0.9996068,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12810030579566956},{"word":"been","start":962.22504,"end":962.305,"confidence":0.9999379,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.10135245323181152},{"word":"doing","start":962.305,"end":962.625,"confidence":0.99993086,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1353590041399002},{"word":"that","start":962.625,"end":962.78503,"confidence":0.9995652,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12247634679079056},{"word":"sort","start":962.78503,"end":962.945,"confidence":0.98885554,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0947243943810463},{"word":"of","start":962.945,"end":963.10504,"confidence":0.97597414,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09164641797542572},{"word":"12","start":963.10504,"end":963.42505,"confidence":0.9989612,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.109026700258255},{"word":"to","start":963.42505,"end":963.505,"confidence":0.9987312,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08682408928871155},{"word":"14","start":963.505,"end":964.005,"confidence":0.9682135,"punctuated_word":"14,","sentiment":"neutral","sentiment_score":0.1108529046177864},{"word":"especially","start":964.465,"end":964.965,"confidence":0.9993728,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.12383732944726944},{"word":"given","start":965.025,"end":965.34503,"confidence":0.99123925,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.05649580806493759},{"word":"what's","start":965.34503,"end":965.585,"confidence":0.9991734,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.02301272563636303},{"word":"been","start":965.585,"end":965.825,"confidence":0.99869055,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.013509146869182588},{"word":"happening","start":965.825,"end":966.145,"confidence":0.9999176,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.0563293918967247},{"word":"recently","start":966.145,"end":966.625,"confidence":0.8363488,"punctuated_word":"recently.","sentiment":"neutral","sentiment_score":0.023674990981817245},{"word":"so","start":966.625,"end":966.78503,"confidence":0.9993273,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4466819167137146},{"word":"i","start":966.78503,"end":966.865,"confidence":0.9995915,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.49243324995040894},{"word":"wanna","start":966.865,"end":967.185,"confidence":0.92762876,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5117353200912476},{"word":"try","start":967.185,"end":967.34503,"confidence":0.98813266,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.4253362715244293},{"word":"and","start":967.34503,"end":967.505,"confidence":0.9935673,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4587823450565338},{"word":"just","start":967.505,"end":967.66504,"confidence":0.9969771,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4785467386245727},{"word":"get","start":967.66504,"end":967.825,"confidence":0.9996853,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4868904650211334},{"word":"it","start":967.825,"end":967.98505,"confidence":0.9997793,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5317937135696411},{"word":"up","start":967.98505,"end":968.145,"confidence":0.9998172,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4981786906719208},{"word":"there","start":968.145,"end":968.645,"confidence":0.99927926,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4143218994140625},{"word":"when","start":969.265,"end":969.505,"confidence":0.816791,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.05683905631303787},{"word":"i","start":969.505,"end":969.66504,"confidence":0.99980706,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04451648145914078},{"word":"mentioned","start":969.66504,"end":969.98505,"confidence":0.6575391,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.08440805971622467},{"word":"that","start":969.98505,"end":970.22504,"confidence":0.9992556,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1222544014453888},{"word":"benchmark","start":970.22504,"end":970.705,"confidence":0.99862313,"punctuated_word":"benchmark","sentiment":"neutral","sentiment_score":0.12373549491167068},{"word":"of","start":970.705,"end":970.945,"confidence":0.9991609,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.059086017310619354},{"word":"eight","start":970.945,"end":971.10504,"confidence":0.9993962,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.06585834175348282},{"word":"to","start":971.10504,"end":971.34503,"confidence":0.9991216,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04132693260908127},{"word":"nine","start":971.34503,"end":971.84503,"confidence":0.96133006,"punctuated_word":"nine,","sentiment":"neutral","sentiment_score":0.050017889589071274},{"word":"it's","start":971.96,"end":972.2,"confidence":0.9957651,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02994779869914055},{"word":"just","start":972.2,"end":972.36,"confidence":0.9999201,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.010808862745761871},{"word":"the","start":972.36,"end":972.76,"confidence":0.9982899,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017111122608184814},{"word":"average","start":972.76,"end":973.08,"confidence":0.9996164,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.026815392076969147},{"word":"for","start":973.08,"end":973.24,"confidence":0.86029005,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.050277650356292725},{"word":"your","start":973.24,"end":973.4,"confidence":0.99905163,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.034139350056648254},{"word":"risk","start":973.4,"end":973.64,"confidence":0.9999231,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.01105816662311554},{"word":"level","start":973.64,"end":974.14,"confidence":0.9993609,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":0.014453649520874023},{"word":"that's","start":975.48,"end":975.8,"confidence":0.9978685,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07514633238315582},{"word":"not","start":975.8,"end":975.96,"confidence":0.9949457,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07818196713924408},{"word":"to","start":975.96,"end":976.04,"confidence":0.9984218,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1272726207971573},{"word":"say","start":976.04,"end":976.2,"confidence":0.9999285,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.09397731721401216},{"word":"that","start":976.2,"end":976.36,"confidence":0.99967635,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08149939775466919},{"word":"we're","start":976.36,"end":976.52,"confidence":0.99989814,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.08124516904354095},{"word":"not","start":976.52,"end":976.68,"confidence":0.9997545,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1162889376282692},{"word":"aiming","start":976.68,"end":977.0,"confidence":0.99990153,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":-0.03020285815000534},{"word":"for","start":977.0,"end":977.16003,"confidence":0.9992879,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.013491600751876833},{"word":"ten","start":977.16003,"end":977.48,"confidence":0.9913286,"punctuated_word":"ten,","sentiment":"neutral","sentiment_score":-0.06913155317306519},{"word":"twelve","start":977.48,"end":977.88,"confidence":0.9986329,"punctuated_word":"twelve,","sentiment":"neutral","sentiment_score":-0.06643954664468765},{"word":"fourteen","start":977.88,"end":978.36,"confidence":0.99700415,"punctuated_word":"fourteen,","sentiment":"neutral","sentiment_score":-0.0191522017121315},{"word":"sixteen","start":978.36,"end":978.86,"confidence":0.96755874,"punctuated_word":"sixteen.","sentiment":"neutral","sentiment_score":-0.07721062004566193},{"word":"it","start":979.08,"end":979.24,"confidence":0.99928135,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0066228583455085754},{"word":"just","start":979.24,"end":979.48,"confidence":0.9985234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.011540323495864868},{"word":"means","start":979.48,"end":979.72003,"confidence":0.99995923,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.035297464579343796},{"word":"that","start":979.72003,"end":979.88,"confidence":0.99978083,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029995553195476532},{"word":"you","start":979.88,"end":980.04,"confidence":0.99978596,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.038909122347831726},{"word":"need","start":980.04,"end":980.52,"confidence":0.99959916,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.04734340310096741},{"word":"that","start":980.52,"end":980.84,"confidence":0.99885094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09151961654424667},{"word":"eight","start":980.84,"end":981.08,"confidence":0.9995641,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.07841227948665619},{"word":"to","start":981.08,"end":981.24,"confidence":0.9994691,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03793936222791672},{"word":"nine","start":981.24,"end":981.74,"confidence":0.9998635,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.08613116294145584},{"word":"to","start":981.8,"end":981.96,"confidence":0.99926025,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015179276466369627},{"word":"be","start":981.96,"end":982.2,"confidence":0.9997459,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11424345523118971},{"word":"on","start":982.2,"end":982.36,"confidence":0.9997873,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1921844780445099},{"word":"track","start":982.36,"end":982.68,"confidence":0.9998412,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.2209969460964203},{"word":"for","start":982.68,"end":982.84,"confidence":0.99914765,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17810368537902832},{"word":"retirement","start":982.84,"end":983.34,"confidence":0.99859643,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.05900106206536293},{"word":"cool","start":987.495,"end":987.815,"confidence":0.9980915,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4281165301799774},{"word":"and","start":987.815,"end":987.97504,"confidence":0.9871837,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12705039978027344},{"word":"the","start":987.97504,"end":988.135,"confidence":0.8184434,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09209337830543518},{"word":"other","start":988.135,"end":988.53503,"confidence":0.70091397,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06748229265213013},{"word":"strange","start":988.53503,"end":988.935,"confidence":0.89779973,"punctuated_word":"strange","sentiment":"neutral","sentiment_score":-0.0839410275220871},{"word":"thing","start":988.935,"end":989.17505,"confidence":0.9994247,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.012716710567474363},{"word":"that","start":989.17505,"end":989.255,"confidence":0.9994803,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012858234345912932},{"word":"i've","start":989.255,"end":989.41504,"confidence":0.99986625,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.03574831783771515},{"word":"noticed","start":989.41504,"end":989.815,"confidence":0.8634819,"punctuated_word":"noticed,","sentiment":"neutral","sentiment_score":-0.04856163263320923},{"word":"this","start":989.815,"end":989.97504,"confidence":0.9917373,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.08751864731311798},{"word":"is","start":989.97504,"end":990.215,"confidence":0.994786,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09774956107139587},{"word":"kind","start":990.215,"end":990.375,"confidence":0.9929906,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.05107450485229492},{"word":"of","start":990.375,"end":990.615,"confidence":0.9996449,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08012118935585022},{"word":"the","start":990.615,"end":990.775,"confidence":0.9989705,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08268998563289642},{"word":"first","start":990.775,"end":990.935,"confidence":0.9995951,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.1052669957280159},{"word":"time","start":990.935,"end":991.17505,"confidence":0.9997429,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.07479249686002731},{"word":"i've","start":991.17505,"end":991.41504,"confidence":0.99956894,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.042719971388578415},{"word":"seen","start":991.41504,"end":991.655,"confidence":0.9991763,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.04449605941772461},{"word":"this","start":991.655,"end":992.155,"confidence":0.9765053,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.0365256667137146},{"word":"is","start":992.29504,"end":992.79504,"confidence":0.9995721,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0291728675365448},{"word":"you","start":992.935,"end":993.17505,"confidence":0.99543864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02234600856900215},{"word":"have","start":993.17505,"end":993.41504,"confidence":0.9992988,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.029499681666493416},{"word":"some","start":993.41504,"end":993.655,"confidence":0.99797934,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.027695879340171817},{"word":"american","start":993.655,"end":994.155,"confidence":0.9985864,"punctuated_word":"American","sentiment":"neutral","sentiment_score":-0.01258108764886856},{"word":"shares","start":994.29504,"end":994.79504,"confidence":0.9652685,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":-0.016701648011803627},{"word":"which","start":994.935,"end":995.435,"confidence":0.9989064,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03587764501571655},{"word":"the","start":995.575,"end":995.73505,"confidence":0.91540164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06461098790168762},{"word":"american","start":995.73505,"end":996.215,"confidence":0.9963006,"punctuated_word":"American","sentiment":"neutral","sentiment_score":0.10013263672590256},{"word":"shares","start":996.215,"end":996.455,"confidence":0.9983417,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.16102242469787598},{"word":"have","start":996.455,"end":996.615,"confidence":0.9938315,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15701892971992493},{"word":"done","start":996.615,"end":996.85504,"confidence":0.99900776,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.3365940451622009},{"word":"really","start":996.85504,"end":997.09503,"confidence":0.99887174,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4293880760669708},{"word":"well","start":997.09503,"end":997.41504,"confidence":0.9969465,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4019186198711395},{"word":"the","start":997.41504,"end":997.495,"confidence":0.78863263,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2974148094654083},{"word":"last","start":997.495,"end":997.815,"confidence":0.99637324,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.21671953797340393},{"word":"twelve","start":997.815,"end":998.055,"confidence":0.9935773,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.14021866023540497},{"word":"months","start":998.055,"end":998.215,"confidence":0.97647023,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.10481984913349152},{"word":"they're","start":998.215,"end":998.455,"confidence":0.9697862,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.1838463991880417},{"word":"up","start":998.455,"end":998.67,"confidence":0.7038549,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.16109344363212583},{"word":"like","start":998.75,"end":998.82996,"confidence":0.9892574,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.09329330921173096},{"word":"16%","start":998.82996,"end":1000.13,"confidence":0.96620375,"punctuated_word":"16%.","sentiment":"neutral","sentiment_score":0.16014303267002106},{"word":"but","start":1001.23,"end":1001.55,"confidence":0.9797753,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05727488175034523},{"word":"this","start":1001.55,"end":1001.79,"confidence":0.99604034,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.12611502408981323},{"word":"option","start":1001.79,"end":1002.02997,"confidence":0.9995278,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.06540904939174652},{"word":"that","start":1002.02997,"end":1002.19,"confidence":0.999785,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09979899227619173},{"word":"you've","start":1002.19,"end":1002.43,"confidence":0.9998627,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.1303181350231171},{"word":"got","start":1002.43,"end":1002.93,"confidence":0.99835384,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.13175466656684875},{"word":"they've","start":1003.47,"end":1003.70996,"confidence":0.9965167,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.15550333261489868},{"word":"put","start":1003.70996,"end":1003.95,"confidence":0.9998623,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.14515022933483124},{"word":"it","start":1003.95,"end":1004.11,"confidence":0.9974769,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17165501415729523},{"word":"in","start":1004.11,"end":1004.61,"confidence":0.9645124,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.19619569182395935},{"word":"like","start":1007.23,"end":1007.47,"confidence":0.94092226,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.206223726272583},{"word":"us","start":1007.47,"end":1007.87,"confidence":0.9986797,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.18846456706523895},{"word":"dollars","start":1007.87,"end":1008.37,"confidence":0.92358315,"punctuated_word":"dollars.","sentiment":"neutral","sentiment_score":-0.1703997552394867},{"word":"and","start":1008.91,"end":1009.23,"confidence":0.9983683,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.15912164747714996},{"word":"i","start":1009.23,"end":1009.31,"confidence":0.9904689,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1623305082321167},{"word":"don't","start":1009.31,"end":1009.47,"confidence":0.99942595,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1654655635356903},{"word":"know","start":1009.47,"end":1009.55,"confidence":0.9961383,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.211738720536232},{"word":"if","start":1009.55,"end":1009.70996,"confidence":0.9988581,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.27652937173843384},{"word":"you've","start":1009.70996,"end":1009.95,"confidence":0.9991224,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.18159787356853485},{"word":"seen","start":1009.95,"end":1010.19,"confidence":0.9997236,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.16569653153419495},{"word":"recently","start":1010.19,"end":1010.69,"confidence":0.7904626,"punctuated_word":"recently,","sentiment":"neutral","sentiment_score":-0.17642827332019806},{"word":"it's","start":1010.75,"end":1010.99,"confidence":0.9993078,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2579887807369232},{"word":"very","start":1010.99,"end":1011.23,"confidence":0.99976295,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.2901812493801117},{"word":"strange","start":1011.23,"end":1011.63,"confidence":0.9778625,"punctuated_word":"strange,","sentiment":"neutral","sentiment_score":-0.28151118755340576},{"word":"but","start":1011.63,"end":1011.87,"confidence":0.9970969,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2984941899776459},{"word":"the","start":1011.87,"end":1012.02997,"confidence":0.9998115,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3990167379379273},{"word":"us","start":1012.02997,"end":1012.35,"confidence":0.9999145,"punctuated_word":"US","sentiment":"negative","sentiment_score":-0.4309180974960327},{"word":"dollar","start":1012.35,"end":1012.67,"confidence":0.9987288,"punctuated_word":"dollar","sentiment":"negative","sentiment_score":-0.47697094082832336},{"word":"has","start":1012.67,"end":1012.91,"confidence":0.9998888,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.4120124876499176},{"word":"gone","start":1012.91,"end":1013.31,"confidence":0.99743193,"punctuated_word":"gone","sentiment":"negative","sentiment_score":-0.3932845890522003},{"word":"kind","start":1013.31,"end":1013.55,"confidence":0.9797863,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.2638917565345764},{"word":"of","start":1013.55,"end":1013.70996,"confidence":0.9996437,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3490302562713623},{"word":"down","start":1013.70996,"end":1014.20996,"confidence":0.99977046,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.3607997000217438},{"word":"given","start":1014.515,"end":1014.755,"confidence":0.999747,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.2701641023159027},{"word":"what","start":1014.755,"end":1014.915,"confidence":0.99986196,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.20983192324638367},{"word":"trump's","start":1014.915,"end":1015.395,"confidence":0.97866577,"punctuated_word":"Trump's","sentiment":"neutral","sentiment_score":-0.24923154711723328},{"word":"been","start":1015.395,"end":1015.555,"confidence":0.9980312,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2193734496831894},{"word":"up","start":1015.555,"end":1015.715,"confidence":0.99982697,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.20660743117332456},{"word":"to","start":1015.715,"end":1016.035,"confidence":0.9839371,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2532613277435303},{"word":"compared","start":1016.035,"end":1016.355,"confidence":0.9902132,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":-0.2938522696495056},{"word":"to","start":1016.355,"end":1016.515,"confidence":0.9997831,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3272995352745056},{"word":"the","start":1016.515,"end":1016.755,"confidence":0.9997423,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2867959141731262},{"word":"australian","start":1016.755,"end":1017.255,"confidence":0.99955577,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.18398690223693848},{"word":"dollar","start":1017.315,"end":1017.815,"confidence":0.98929155,"punctuated_word":"dollar.","sentiment":"neutral","sentiment_score":-0.1869775652885437},{"word":"so","start":1018.995,"end":1019.15497,"confidence":0.99861276,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0845617949962616},{"word":"it's","start":1019.15497,"end":1019.395,"confidence":0.9643711,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05994796380400658},{"word":"actually","start":1019.395,"end":1019.715,"confidence":0.997449,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.07072306424379349},{"word":"messed","start":1019.715,"end":1019.955,"confidence":0.9155926,"punctuated_word":"messed","sentiment":"negative","sentiment_score":-0.35050731897354126},{"word":"with","start":1019.955,"end":1020.115,"confidence":0.99933416,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.36844679713249207},{"word":"your","start":1020.115,"end":1020.355,"confidence":0.9973761,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.33207911252975464},{"word":"performance","start":1020.355,"end":1020.835,"confidence":0.99993014,"punctuated_word":"performance","sentiment":"negative","sentiment_score":-0.3376433253288269},{"word":"on","start":1020.835,"end":1020.995,"confidence":0.99986434,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.39013442397117615},{"word":"that","start":1020.995,"end":1021.15497,"confidence":0.9998865,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.36253586411476135},{"word":"one","start":1021.15497,"end":1021.315,"confidence":0.9998147,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.32006189227104187},{"word":"option","start":1021.315,"end":1021.715,"confidence":0.99968565,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.1890169382095337},{"word":"just","start":1021.715,"end":1021.875,"confidence":0.98177886,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.22069025039672852},{"word":"because","start":1021.875,"end":1022.115,"confidence":0.999928,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.20511268079280853},{"word":"it's","start":1022.115,"end":1022.355,"confidence":0.9997524,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2406365871429443},{"word":"in","start":1022.355,"end":1022.675,"confidence":0.99945754,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.21412359178066256},{"word":"a","start":1022.675,"end":1022.755,"confidence":0.99954224,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.242597296833992},{"word":"different","start":1022.755,"end":1023.15497,"confidence":0.9999379,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.2224489450454712},{"word":"currency","start":1023.15497,"end":1023.65497,"confidence":0.9992148,"punctuated_word":"currency.","sentiment":"neutral","sentiment_score":-0.2734118103981018},{"word":"so","start":1026.7699,"end":1027.09,"confidence":0.99881786,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.025294750928878784},{"word":"what","start":1027.09,"end":1027.33,"confidence":0.9992557,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03096112608909607},{"word":"i'm","start":1027.33,"end":1027.49,"confidence":0.99994045,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.012303857132792473},{"word":"gonna","start":1027.49,"end":1027.8099,"confidence":0.8943653,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07727635651826859},{"word":"do","start":1027.8099,"end":1028.0499,"confidence":0.9989096,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07553594559431076},{"word":"is","start":1028.0499,"end":1028.21,"confidence":0.9992932,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07437646389007568},{"word":"i'm","start":1028.21,"end":1028.37,"confidence":0.9974729,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09289444983005524},{"word":"just","start":1028.37,"end":1028.5299,"confidence":0.9996382,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07731655985116959},{"word":"gonna","start":1028.5299,"end":1028.69,"confidence":0.9775319,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09339971095323564},{"word":"have","start":1028.69,"end":1028.8099,"confidence":0.99939907,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10498180985450745},{"word":"a","start":1028.8099,"end":1028.9299,"confidence":0.9833739,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06622956693172455},{"word":"talk","start":1028.9299,"end":1029.1699,"confidence":0.99960893,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.047790080308914185},{"word":"to","start":1029.1699,"end":1029.25,"confidence":0.9997867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10789060592651369},{"word":"the","start":1029.25,"end":1029.4099,"confidence":0.9998491,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07690811157226562},{"word":"investment","start":1029.4099,"end":1029.8099,"confidence":0.99749917,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03247500956058502},{"word":"committee","start":1029.8099,"end":1030.21,"confidence":0.99971074,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.08833924680948257},{"word":"about","start":1030.21,"end":1030.45,"confidence":0.99986553,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03797399252653122},{"word":"whether","start":1030.45,"end":1030.69,"confidence":0.99879044,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.035676829516887665},{"word":"we","start":1030.69,"end":1030.9299,"confidence":0.9998572,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04391168802976608},{"word":"can","start":1030.9299,"end":1031.1699,"confidence":0.9995969,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07175014913082123},{"word":"kind","start":1031.1699,"end":1031.33,"confidence":0.9948501,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0561334565281868},{"word":"of","start":1031.33,"end":1031.73,"confidence":0.9998779,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07024411112070084},{"word":"we","start":1031.8099,"end":1032.0499,"confidence":0.9995254,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05516808480024338},{"word":"call","start":1032.0499,"end":1032.37,"confidence":0.9993759,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.02984833717346191},{"word":"it","start":1032.37,"end":1032.5299,"confidence":0.99844605,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01957332342863083},{"word":"hedging","start":1032.5299,"end":1033.01,"confidence":0.96217114,"punctuated_word":"hedging,","sentiment":"neutral","sentiment_score":0.006509922444820404},{"word":"and","start":1033.01,"end":1033.25,"confidence":0.99947006,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.018956966698169708},{"word":"it","start":1033.25,"end":1033.4099,"confidence":0.99404633,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.002480745315551758},{"word":"switches","start":1033.4099,"end":1033.9099,"confidence":0.99907315,"punctuated_word":"switches","sentiment":"neutral","sentiment_score":-0.02768135815858841},{"word":"the","start":1033.97,"end":1034.13,"confidence":0.999305,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07827295362949371},{"word":"currency","start":1034.13,"end":1034.61,"confidence":0.9997714,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":-0.1369137465953827},{"word":"around","start":1034.61,"end":1034.9299,"confidence":0.7591357,"punctuated_word":"around.","sentiment":"neutral","sentiment_score":-0.006127726286649704},{"word":"a","start":1034.9299,"end":1035.01,"confidence":0.7869129,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.001676023006439209},{"word":"little","start":1035.01,"end":1035.1699,"confidence":0.9998746,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.00601784884929657},{"word":"bit","start":1035.1699,"end":1035.33,"confidence":0.99989176,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.016641825437545776},{"word":"of","start":1035.33,"end":1035.4099,"confidence":0.99984777,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005981758236885071},{"word":"a","start":1035.4099,"end":1035.57,"confidence":0.9981427,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011439591646194458},{"word":"trick","start":1035.57,"end":1035.8099,"confidence":0.9999577,"punctuated_word":"trick","sentiment":"neutral","sentiment_score":0.04033026099205017},{"word":"under","start":1035.8099,"end":1036.0499,"confidence":0.99970454,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.056377917528152466},{"word":"the","start":1036.0499,"end":1036.13,"confidence":0.9997117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0031773000955581665},{"word":"hood","start":1036.13,"end":1036.45,"confidence":0.9999076,"punctuated_word":"hood","sentiment":"neutral","sentiment_score":0.07551886141300201},{"word":"for","start":1036.45,"end":1036.61,"confidence":0.9994764,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.017123982310295105},{"word":"you","start":1036.61,"end":1037.01,"confidence":0.85001934,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.02925877273082733},{"word":"but","start":1037.01,"end":1037.1699,"confidence":0.99701536,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.00579456239938736},{"word":"at","start":1037.1699,"end":1037.33,"confidence":0.9847401,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03132595121860504},{"word":"the","start":1037.33,"end":1037.49,"confidence":0.9996106,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009358413517475128},{"word":"very","start":1037.49,"end":1037.8099,"confidence":0.9997919,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.00879514217376709},{"word":"least","start":1037.8099,"end":1038.13,"confidence":0.9946568,"punctuated_word":"least,","sentiment":"neutral","sentiment_score":-0.02148381620645523},{"word":"we'll","start":1038.13,"end":1038.2899,"confidence":0.8934666,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.06828217953443527},{"word":"get","start":1038.2899,"end":1038.45,"confidence":0.9998362,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07763933390378952},{"word":"that","start":1038.45,"end":1038.61,"confidence":0.9991053,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06013152003288269},{"word":"benelon","start":1038.61,"end":1039.09,"confidence":0.46053353,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.09419868886470796},{"word":"switched","start":1039.09,"end":1039.4099,"confidence":0.99541616,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":-0.031351566314697266},{"word":"out","start":1039.4099,"end":1039.6499,"confidence":0.9973851,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0579008087515831},{"word":"with","start":1039.6499,"end":1039.8099,"confidence":0.99967504,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1342717707157135},{"word":"somebody","start":1039.8099,"end":1040.2899,"confidence":0.99967635,"punctuated_word":"somebody","sentiment":"neutral","sentiment_score":-0.1344042420387268},{"word":"better","start":1040.2899,"end":1040.7899,"confidence":0.9943803,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":-0.052524276077747345},{"word":"cool","start":1044.805,"end":1045.305,"confidence":0.9989583,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.43955716490745544},{"word":"now","start":1045.3651,"end":1045.765,"confidence":0.99954873,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.24795255064964297},{"word":"while","start":1045.765,"end":1046.005,"confidence":0.99001604,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.1624203771352768},{"word":"i","start":1046.005,"end":1046.165,"confidence":0.9999485,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19230297207832336},{"word":"do","start":1046.165,"end":1046.245,"confidence":0.9999567,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18408659100532532},{"word":"this","start":1046.245,"end":1046.4851,"confidence":0.90495,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.18304955959320068},{"word":"when","start":1046.4851,"end":1046.7251,"confidence":0.9998826,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.15268312394618988},{"word":"we","start":1046.7251,"end":1046.805,"confidence":0.9999217,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14350846409797668},{"word":"do","start":1046.805,"end":1046.9651,"confidence":0.9999713,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16733133792877197},{"word":"these","start":1046.9651,"end":1047.2051,"confidence":0.9998267,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.1645924746990204},{"word":"changes","start":1047.2051,"end":1047.6051,"confidence":0.9984075,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.15408602356910706},{"word":"we","start":1047.6051,"end":1047.765,"confidence":0.99995255,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2087564468383789},{"word":"put","start":1047.765,"end":1048.005,"confidence":0.9983931,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2171199917793274},{"word":"it","start":1048.005,"end":1048.0851,"confidence":0.99687946,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1687360405921936},{"word":"in","start":1048.0851,"end":1048.245,"confidence":0.999897,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18826399743556976},{"word":"a","start":1048.245,"end":1048.3251,"confidence":0.9996101,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24035680294036865},{"word":"statement","start":1048.3251,"end":1048.7251,"confidence":0.99995375,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.2721075415611267},{"word":"of","start":1048.7251,"end":1048.885,"confidence":0.9997751,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2223365902900696},{"word":"advice","start":1048.885,"end":1049.285,"confidence":0.99821305,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1872608512639999},{"word":"again","start":1049.285,"end":1049.685,"confidence":0.9891265,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.18810155987739563},{"word":"just","start":1049.685,"end":1049.925,"confidence":0.7108699,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18236058950424192},{"word":"to","start":1049.925,"end":1050.0851,"confidence":0.9997682,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1435563713312149},{"word":"give","start":1050.0851,"end":1050.165,"confidence":0.9999646,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1885422170162201},{"word":"you","start":1050.165,"end":1050.3251,"confidence":0.9999039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21689002215862271},{"word":"an","start":1050.3251,"end":1050.4851,"confidence":0.9998709,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.19742274284362793},{"word":"update","start":1050.4851,"end":1050.805,"confidence":0.99991727,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.17942851781845093},{"word":"on","start":1050.805,"end":1050.9651,"confidence":0.90362126,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.17895448207855225},{"word":"like","start":1050.9651,"end":1051.2051,"confidence":0.99089634,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1836921125650406},{"word":"here","start":1051.2051,"end":1051.525,"confidence":0.98561066,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.20344364643096924},{"word":"in","start":1051.525,"end":1051.685,"confidence":0.95088255,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16321828961372375},{"word":"writing","start":1051.685,"end":1052.0851,"confidence":0.9024844,"punctuated_word":"writing,","sentiment":"neutral","sentiment_score":0.22339636087417605},{"word":"this","start":1052.0851,"end":1052.3251,"confidence":0.9990742,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2869983911514282},{"word":"is","start":1052.3251,"end":1052.4851,"confidence":0.9994215,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2946895360946655},{"word":"your","start":1052.4851,"end":1052.7251,"confidence":0.9998512,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29864081740379333},{"word":"new","start":1052.7251,"end":1052.885,"confidence":0.9998202,"punctuated_word":"new","sentiment":"positive","sentiment_score":0.3517894446849823},{"word":"portfolio","start":1052.885,"end":1053.385,"confidence":0.999811,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.23987582325935364},{"word":"we're","start":1053.4451,"end":1053.685,"confidence":0.9856794,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.3222275972366333},{"word":"recommending","start":1053.685,"end":1054.185,"confidence":0.99993944,"punctuated_word":"recommending","sentiment":"positive","sentiment_score":0.37607693672180176},{"word":"and","start":1054.245,"end":1054.4851,"confidence":0.98145616,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3047831058502197},{"word":"why","start":1054.4851,"end":1054.92,"confidence":0.92036366,"punctuated_word":"why,","sentiment":"neutral","sentiment_score":0.14714011549949646},{"word":"and","start":1054.92,"end":1055.0801,"confidence":0.99978584,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1379997730255127},{"word":"then","start":1055.0801,"end":1055.3201,"confidence":0.99993134,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1699075996875763},{"word":"you","start":1055.3201,"end":1055.4,"confidence":0.9998431,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14399893581867218},{"word":"can","start":1055.4,"end":1055.64,"confidence":0.99966955,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1100866198539734},{"word":"kind","start":1055.64,"end":1055.88,"confidence":0.97460395,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05480163171887398},{"word":"of","start":1055.88,"end":1055.9601,"confidence":0.999762,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10512625426054},{"word":"read","start":1055.9601,"end":1056.2001,"confidence":0.9937551,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.04188064485788345},{"word":"off","start":1056.2001,"end":1056.4401,"confidence":0.99085665,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.046573907136917114},{"word":"and","start":1056.4401,"end":1056.6001,"confidence":0.99790287,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04322030395269394},{"word":"sign","start":1056.6001,"end":1056.8401,"confidence":0.9992244,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.06270210444927216},{"word":"if","start":1056.8401,"end":1057.0,"confidence":0.9943268,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08670727163553238},{"word":"you're","start":1057.0,"end":1057.16,"confidence":0.9991473,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0724581629037857},{"word":"comfortable","start":1057.16,"end":1057.66,"confidence":0.99977493,"punctuated_word":"comfortable.","sentiment":"neutral","sentiment_score":0.0832427591085434},{"word":"so","start":1060.76,"end":1061.0801,"confidence":0.9849608,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.029199769720435143},{"word":"kim","start":1061.0801,"end":1061.3201,"confidence":0.994614,"punctuated_word":"Kim,","sentiment":"neutral","sentiment_score":0.029314907267689705},{"word":"the","start":1061.3201,"end":1061.4,"confidence":0.999818,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0032310299575328827},{"word":"last","start":1061.4,"end":1061.56,"confidence":0.9999821,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.03262884169816971},{"word":"thing","start":1061.56,"end":1061.7201,"confidence":0.9997142,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.014044757932424544},{"word":"i","start":1061.7201,"end":1061.8,"confidence":0.9994816,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.000285174697637558},{"word":"wanna","start":1061.8,"end":1062.04,"confidence":0.8828322,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.003051895648241043},{"word":"do","start":1062.04,"end":1062.2001,"confidence":0.99799347,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.020407315343618393},{"word":"just","start":1062.2001,"end":1062.4401,"confidence":0.9151929,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.017369627952575684},{"word":"before","start":1062.4401,"end":1062.6001,"confidence":0.9997093,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.008081082254648209},{"word":"i","start":1062.6001,"end":1062.76,"confidence":0.9995534,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0031759515404701233},{"word":"let","start":1062.76,"end":1062.92,"confidence":0.999856,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.00840042158961296},{"word":"you","start":1062.92,"end":1063.0801,"confidence":0.9994272,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01349182426929474},{"word":"go","start":1063.0801,"end":1063.4,"confidence":0.999684,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.015051838010549544},{"word":"is","start":1063.4,"end":1063.7201,"confidence":0.9634853,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0071564167737960815},{"word":"when","start":1063.7201,"end":1063.88,"confidence":0.96420795,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.012725736945867538},{"word":"i","start":1063.88,"end":1064.04,"confidence":0.99994373,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00913497805595398},{"word":"put","start":1064.04,"end":1064.2001,"confidence":0.9999455,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.008309192955493927},{"word":"this","start":1064.2001,"end":1064.36,"confidence":0.7270807,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.014899402856826782},{"word":"statement","start":1064.36,"end":1064.68,"confidence":0.9996495,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.0466737225651741},{"word":"of","start":1064.68,"end":1064.8401,"confidence":0.99185234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02035026252269745},{"word":"advice","start":1064.8401,"end":1065.0801,"confidence":0.99716693,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.012491978704929352},{"word":"together","start":1065.0801,"end":1065.56,"confidence":0.99879885,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.014244288206100464},{"word":"i","start":1065.56,"end":1065.64,"confidence":0.9999038,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002980530261993408},{"word":"just","start":1065.64,"end":1065.8,"confidence":0.9999474,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.013955704867839811},{"word":"wanna","start":1065.8,"end":1066.04,"confidence":0.965853,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.01953635923564434},{"word":"make","start":1066.04,"end":1066.2001,"confidence":0.9996362,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.021014031022787098},{"word":"sure","start":1066.2001,"end":1066.4401,"confidence":0.99981767,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.032763708382844925},{"word":"you","start":1066.4401,"end":1066.52,"confidence":0.9999349,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012458905577659609},{"word":"haven't","start":1066.52,"end":1066.8401,"confidence":0.9999642,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.011242510750889778},{"word":"had","start":1066.8401,"end":1067.0,"confidence":0.99985135,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07093936204910278},{"word":"any","start":1067.0,"end":1067.24,"confidence":0.99991393,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06072350963950157},{"word":"major","start":1067.24,"end":1067.64,"confidence":0.9999089,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.11803750693798064},{"word":"changes","start":1067.64,"end":1068.14,"confidence":0.9996456,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.11308324337005617},{"word":"in","start":1068.52,"end":1068.68,"confidence":0.99956614,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03537881374359131},{"word":"the","start":1068.68,"end":1068.92,"confidence":0.99987733,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011435531079769136},{"word":"details","start":1068.92,"end":1069.42,"confidence":0.99948704,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":-0.017215222120285034},{"word":"cool","start":1071.265,"end":1071.5851,"confidence":0.9871037,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.46169960498809814},{"word":"so","start":1071.5851,"end":1071.665,"confidence":0.99921584,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3580341339111328},{"word":"i'm","start":1071.665,"end":1071.8251,"confidence":0.99984956,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.39339420199394226},{"word":"just","start":1071.8251,"end":1072.0651,"confidence":0.99984944,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4088205695152282},{"word":"gonna","start":1072.0651,"end":1072.4651,"confidence":0.9847932,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3852580785751343},{"word":"power","start":1072.4651,"end":1072.785,"confidence":0.9862294,"punctuated_word":"power","sentiment":"positive","sentiment_score":0.3923426866531372},{"word":"through","start":1072.785,"end":1073.025,"confidence":0.99950993,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.40388545393943787},{"word":"these","start":1073.025,"end":1073.265,"confidence":0.9979342,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.42847147583961487},{"word":"real","start":1073.265,"end":1073.505,"confidence":0.998811,"punctuated_word":"real","sentiment":"neutral","sentiment_score":0.3225502669811249},{"word":"quick","start":1073.505,"end":1073.985,"confidence":0.99279237,"punctuated_word":"quick.","sentiment":"positive","sentiment_score":0.3742097020149231},{"word":"just","start":1073.985,"end":1074.145,"confidence":0.9994117,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.167936772108078},{"word":"let","start":1074.145,"end":1074.305,"confidence":0.9994222,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1552499681711197},{"word":"me","start":1074.305,"end":1074.4651,"confidence":0.99993706,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16085611283779144},{"word":"know","start":1074.4651,"end":1074.625,"confidence":0.9999714,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.16919000446796417},{"word":"if","start":1074.625,"end":1074.7051,"confidence":0.9998429,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05989760160446167},{"word":"anything's","start":1074.7051,"end":1075.185,"confidence":0.98281944,"punctuated_word":"anything's","sentiment":"neutral","sentiment_score":0.04332130402326584},{"word":"changed","start":1075.185,"end":1075.685,"confidence":0.9998095,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":0.07509443908929825},{"word":"alright","start":1077.025,"end":1077.345,"confidence":0.9725635,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.18920646607875824},{"word":"so","start":1077.345,"end":1077.5851,"confidence":0.9993167,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08999942988157272},{"word":"phone","start":1077.5851,"end":1077.8251,"confidence":0.9702045,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.0691157877445221},{"word":"number's","start":1077.8251,"end":1078.145,"confidence":0.72869503,"punctuated_word":"number's","sentiment":"neutral","sentiment_score":0.10923876613378523},{"word":"still","start":1078.145,"end":1078.4651,"confidence":0.9998785,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14074596762657166},{"word":"the","start":1078.4651,"end":1078.545,"confidence":0.99953234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12678997218608856},{"word":"same","start":1078.545,"end":1078.9451,"confidence":0.96603835,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.14863693714141846},{"word":"your","start":1078.9451,"end":1079.345,"confidence":0.9993079,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.08296829462051392},{"word":"outlook","start":1079.345,"end":1079.745,"confidence":0.9720124,"punctuated_word":"Outlook","sentiment":"neutral","sentiment_score":0.1023472398519516},{"word":"address","start":1079.745,"end":1080.225,"confidence":0.9189457,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.08208025991916656},{"word":"kim","start":1080.225,"end":1080.385,"confidence":0.85957325,"punctuated_word":"Kim","sentiment":"neutral","sentiment_score":0.12481605261564256},{"word":"dot","start":1080.385,"end":1080.625,"confidence":0.9010786,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.14280110597610474},{"word":"brooks","start":1080.625,"end":1080.9451,"confidence":0.7744118,"punctuated_word":"Brooks,","sentiment":"neutral","sentiment_score":0.10720181465148926},{"word":"is","start":1080.9451,"end":1081.105,"confidence":0.9978325,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13742849230766296},{"word":"still","start":1081.105,"end":1081.345,"confidence":0.9999058,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13191500306129456},{"word":"current","start":1081.345,"end":1081.845,"confidence":0.9968227,"punctuated_word":"current.","sentiment":"neutral","sentiment_score":0.11425387859344482},{"word":"yep","start":1083.12,"end":1083.4401,"confidence":0.8573149,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03525853157043457},{"word":"marital","start":1083.4401,"end":1083.8401,"confidence":0.50022256,"punctuated_word":"Marital","sentiment":"neutral","sentiment_score":0.03257810324430466},{"word":"status","start":1083.8401,"end":1084.3201,"confidence":0.58075887,"punctuated_word":"status,","sentiment":"neutral","sentiment_score":0.03471028059720993},{"word":"still","start":1084.3201,"end":1084.56,"confidence":0.9987795,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.034339163452386856},{"word":"single","start":1084.56,"end":1085.06,"confidence":0.9302975,"punctuated_word":"single.","sentiment":"neutral","sentiment_score":0.041407398879528046},{"word":"the","start":1086.4801,"end":1086.7201,"confidence":0.9931578,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.033741582185029984},{"word":"two","start":1086.7201,"end":1087.12,"confidence":0.9996321,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.03704950213432312},{"word":"boys","start":1087.12,"end":1087.62,"confidence":0.90717554,"punctuated_word":"boys.","sentiment":"neutral","sentiment_score":0.060755424201488495},{"word":"we've","start":1090.0,"end":1090.4801,"confidence":0.88306344,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.0660378485918045},{"word":"got","start":1090.4801,"end":1090.9801,"confidence":0.9999007,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05477261915802955},{"word":"occupation","start":1091.68,"end":1092.18,"confidence":0.47210926,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.05964086949825287},{"word":"wise","start":1092.24,"end":1092.64,"confidence":0.99301577,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.050301697105169296},{"word":"technical","start":1092.64,"end":1093.14,"confidence":0.54452467,"punctuated_word":"technical","sentiment":"neutral","sentiment_score":0.05472026765346527},{"word":"officer","start":1093.2001,"end":1093.7001,"confidence":0.9996051,"punctuated_word":"officer","sentiment":"neutral","sentiment_score":0.05820658430457115},{"word":"for","start":1094.0,"end":1094.24,"confidence":0.99864274,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0551069937646389},{"word":"the","start":1094.24,"end":1094.4,"confidence":0.9985226,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07067690044641495},{"word":"townsville","start":1094.4,"end":1094.9,"confidence":0.9704101,"punctuated_word":"Townsville","sentiment":"neutral","sentiment_score":0.05525307357311249},{"word":"city","start":1094.9601,"end":1095.2001,"confidence":0.68738616,"punctuated_word":"City","sentiment":"neutral","sentiment_score":0.06831850111484528},{"word":"council","start":1095.2001,"end":1095.7001,"confidence":0.9821735,"punctuated_word":"Council.","sentiment":"neutral","sentiment_score":0.07532532513141632},{"word":"perfect","start":1097.645,"end":1098.145,"confidence":0.9896281,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.40064722299575806},{"word":"around","start":1099.165,"end":1099.5651,"confidence":0.9277397,"punctuated_word":"Around","sentiment":"neutral","sentiment_score":0.18692266941070557},{"word":"about","start":1099.5651,"end":1100.045,"confidence":0.9829606,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.19886668026447296},{"word":"80,500","start":1100.045,"end":1101.405,"confidence":0.9993725,"punctuated_word":"80,500","sentiment":"neutral","sentiment_score":0.20379488170146945},{"word":"per","start":1101.405,"end":1101.645,"confidence":0.99822885,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.18477888405323029},{"word":"year","start":1101.645,"end":1101.885,"confidence":0.9998053,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1252567023038864},{"word":"in","start":1101.885,"end":1102.045,"confidence":0.981778,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13940784335136414},{"word":"income","start":1102.045,"end":1102.4451,"confidence":0.981651,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.1502198874950409},{"word":"would","start":1102.4451,"end":1102.605,"confidence":0.9993963,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11932829022407532},{"word":"you","start":1102.605,"end":1102.765,"confidence":0.99986887,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14625144004821777},{"word":"say","start":1102.765,"end":1103.265,"confidence":0.9993452,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":0.15299513936042786},{"word":"yep","start":1105.325,"end":1105.725,"confidence":0.90831757,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12701621651649475},{"word":"perfect","start":1105.725,"end":1106.225,"confidence":0.9992589,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.27844560146331787},{"word":"that's","start":1110.38,"end":1110.62,"confidence":0.9904617,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14155547320842743},{"word":"your","start":1110.62,"end":1110.86,"confidence":0.9962806,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11616311222314836},{"word":"base","start":1110.86,"end":1111.18,"confidence":0.7982887,"punctuated_word":"base.","sentiment":"neutral","sentiment_score":0.1130501627922058},{"word":"okay","start":1111.18,"end":1111.34,"confidence":0.9527171,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06744535267353058},{"word":"and","start":1111.34,"end":1111.5,"confidence":0.99953055,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.033182960003614426},{"word":"then","start":1111.5,"end":1111.66,"confidence":0.99893457,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03774694353342056},{"word":"do","start":1111.66,"end":1111.8201,"confidence":0.99608237,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02102585881948471},{"word":"you","start":1111.8201,"end":1111.9,"confidence":0.9996382,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04103170335292816},{"word":"do","start":1111.9,"end":1112.06,"confidence":0.89615315,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.039845243096351624},{"word":"like","start":1112.06,"end":1112.22,"confidence":0.99867225,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0345427468419075},{"word":"a","start":1112.22,"end":1112.3,"confidence":0.9998474,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03565552085638046},{"word":"bit","start":1112.3,"end":1112.4601,"confidence":0.99972504,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04151241108775139},{"word":"of","start":1112.4601,"end":1112.62,"confidence":0.9996191,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02564578875899315},{"word":"overtime","start":1112.62,"end":1112.9401,"confidence":0.9892211,"punctuated_word":"overtime","sentiment":"neutral","sentiment_score":0.05462467670440674},{"word":"that","start":1112.9401,"end":1113.18,"confidence":0.99369437,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04266190901398659},{"word":"kind","start":1113.18,"end":1113.34,"confidence":0.5723227,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01947074383497238},{"word":"of","start":1113.34,"end":1113.42,"confidence":0.9984849,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02653585374355316},{"word":"pulls","start":1113.42,"end":1113.66,"confidence":0.99935097,"punctuated_word":"pulls","sentiment":"neutral","sentiment_score":0.046292390674352646},{"word":"you","start":1113.66,"end":1113.8201,"confidence":0.99957436,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014502830803394318},{"word":"above","start":1113.8201,"end":1114.06,"confidence":0.99802136,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.02725769579410553},{"word":"that","start":1114.06,"end":1114.22,"confidence":0.99976283,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03464970737695694},{"word":"a","start":1114.22,"end":1114.38,"confidence":0.99962485,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01944071799516678},{"word":"little","start":1114.38,"end":1114.54,"confidence":0.9999448,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.01586640253663063},{"word":"bit","start":1114.54,"end":1115.04,"confidence":0.99832463,"punctuated_word":"bit?","sentiment":"neutral","sentiment_score":0.02324170432984829},{"word":"cool","start":1123.995,"end":1124.235,"confidence":0.87033683,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.37183433771133423},{"word":"so","start":1124.235,"end":1124.4751,"confidence":0.998002,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18567506968975067},{"word":"base","start":1124.4751,"end":1124.795,"confidence":0.9975197,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.15310059487819672},{"word":"salary","start":1124.795,"end":1125.295,"confidence":0.99995875,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.1814040243625641},{"word":"is","start":1125.435,"end":1125.675,"confidence":0.99961144,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18751142919063568},{"word":"there","start":1125.675,"end":1126.155,"confidence":0.99838984,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2669980823993683},{"word":"and","start":1126.155,"end":1126.4751,"confidence":0.89626086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.176350399851799},{"word":"maybe","start":1126.4751,"end":1126.875,"confidence":0.9840681,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.12243334203958511},{"word":"close","start":1126.875,"end":1127.1951,"confidence":0.99965596,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.17178353667259216},{"word":"to","start":1127.1951,"end":1127.355,"confidence":0.99979824,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1809530109167099},{"word":"100,000","start":1127.355,"end":1128.3351,"confidence":0.9489983,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.17892636358737946},{"word":"for","start":1128.9551,"end":1129.355,"confidence":0.9968395,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14422813057899475},{"word":"the","start":1129.355,"end":1129.5951,"confidence":0.9995946,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09495018422603609},{"word":"overall","start":1129.5951,"end":1130.0951,"confidence":0.97473705,"punctuated_word":"overall.","sentiment":"neutral","sentiment_score":0.15361076593399048},{"word":"perfect","start":1132.17,"end":1132.67,"confidence":0.9919034,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.25632062554359436},{"word":"you're","start":1133.8501,"end":1134.17,"confidence":0.93305767,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.08569493144750595},{"word":"still","start":1134.17,"end":1134.4901,"confidence":0.9999335,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.09196239709854126},{"word":"in","start":1134.4901,"end":1134.9901,"confidence":0.99984324,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06422615051269531},{"word":"laguna","start":1135.05,"end":1135.55,"confidence":0.99846226,"punctuated_word":"Laguna","sentiment":"neutral","sentiment_score":0.07451324909925461},{"word":"avenue","start":1135.6101,"end":1136.0901,"confidence":0.9983442,"punctuated_word":"Avenue","sentiment":"neutral","sentiment_score":0.052003998309373856},{"word":"address","start":1136.0901,"end":1136.41,"confidence":0.8811321,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.07120782881975174},{"word":"wise","start":1136.41,"end":1136.91,"confidence":0.9619269,"punctuated_word":"wise?","sentiment":"neutral","sentiment_score":0.08676521480083466},{"word":"cool","start":1138.65,"end":1139.15,"confidence":0.94704795,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.20415332913398743},{"word":"we've","start":1140.0901,"end":1140.5701,"confidence":0.9833651,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.12264062464237212},{"word":"got","start":1140.5701,"end":1141.0701,"confidence":0.99986815,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13912296295166016},{"word":"the","start":1141.6901,"end":1141.93,"confidence":0.514301,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19813108444213867},{"word":"toyota","start":1141.93,"end":1142.41,"confidence":0.998607,"punctuated_word":"Toyota","sentiment":"neutral","sentiment_score":0.20746475458145144},{"word":"hilux","start":1142.41,"end":1142.91,"confidence":0.9446976,"punctuated_word":"Hilux","sentiment":"neutral","sentiment_score":0.14748114347457886},{"word":"was","start":1142.9701,"end":1143.2101,"confidence":0.74469656,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.15787839889526367},{"word":"your","start":1143.2101,"end":1143.37,"confidence":0.99947554,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13481414318084717},{"word":"main","start":1143.37,"end":1143.6901,"confidence":0.9999206,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1711171269416809},{"word":"asset","start":1143.6901,"end":1144.1901,"confidence":0.9999131,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.23025111854076383},{"word":"valued","start":1144.25,"end":1144.65,"confidence":0.8880063,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":0.1935889273881912},{"word":"at","start":1144.65,"end":1144.81,"confidence":0.9942234,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2084018886089325},{"word":"around","start":1144.81,"end":1145.13,"confidence":0.99971837,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.16989894211292267},{"word":"45,000","start":1145.13,"end":1146.1901,"confidence":0.99925184,"punctuated_word":"45,000.","sentiment":"neutral","sentiment_score":0.15457797050476074},{"word":"do","start":1147.7749,"end":1147.9349,"confidence":0.9972971,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.04234224185347557},{"word":"you","start":1147.9349,"end":1148.0149,"confidence":0.99994814,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06144282966852188},{"word":"have","start":1148.0149,"end":1148.095,"confidence":0.9998634,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.052972741425037384},{"word":"any","start":1148.095,"end":1148.1749,"confidence":0.9999243,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03791629523038864},{"word":"other","start":1148.1749,"end":1148.575,"confidence":0.9996458,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.03684204816818237},{"word":"new","start":1148.575,"end":1148.815,"confidence":0.9995672,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.049224577844142914},{"word":"assets","start":1148.815,"end":1149.215,"confidence":0.9995442,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.044738925993442535},{"word":"or","start":1149.215,"end":1149.455,"confidence":0.9850935,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02878091111779213},{"word":"loans","start":1149.455,"end":1149.7749,"confidence":0.9998889,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.05067974701523781},{"word":"or","start":1149.7749,"end":1149.9349,"confidence":0.9991653,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05124027654528618},{"word":"anything","start":1149.9349,"end":1150.4349,"confidence":0.8457419,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":0.039444565773010254},{"word":"credit","start":1150.495,"end":1150.815,"confidence":0.99989116,"punctuated_word":"Credit","sentiment":"neutral","sentiment_score":0.010247057303786278},{"word":"cards","start":1150.815,"end":1151.2949,"confidence":0.93485284,"punctuated_word":"cards,","sentiment":"neutral","sentiment_score":0.00468431506305933},{"word":"personal","start":1151.2949,"end":1151.7749,"confidence":0.99894506,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.0032035335898399353},{"word":"loans","start":1151.7749,"end":1152.2749,"confidence":0.88296026,"punctuated_word":"loans?","sentiment":"neutral","sentiment_score":0.012151136994361876},{"word":"perfect","start":1157.0549,"end":1157.5549,"confidence":0.9948648,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.28669342398643494},{"word":"was","start":1158.335,"end":1158.495,"confidence":0.9818076,"punctuated_word":"Was","sentiment":"neutral","sentiment_score":-0.022735990583896637},{"word":"there","start":1158.495,"end":1158.735,"confidence":0.99990654,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.014298535883426666},{"word":"a","start":1158.735,"end":1158.815,"confidence":0.9993298,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006489209830760956},{"word":"note","start":1158.815,"end":1158.975,"confidence":0.99970394,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.013387426733970642},{"word":"here","start":1158.975,"end":1159.215,"confidence":0.9993635,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.017215751111507416},{"word":"that","start":1159.215,"end":1159.375,"confidence":0.999767,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.004061687737703323},{"word":"you","start":1159.375,"end":1159.615,"confidence":0.99994814,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0028733015060424805},{"word":"were","start":1159.615,"end":1159.7749,"confidence":0.9971884,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.00945330411195755},{"word":"looking","start":1159.7749,"end":1160.1749,"confidence":0.9999112,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.005333416163921356},{"word":"to","start":1160.1749,"end":1160.6749,"confidence":0.999047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006214044988155365},{"word":"save","start":1161.72,"end":1162.12,"confidence":0.99949336,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.007337041199207306},{"word":"to","start":1162.12,"end":1162.36,"confidence":0.98965293,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021202757954597473},{"word":"purchase","start":1162.36,"end":1162.6799,"confidence":0.9998135,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.03043397516012192},{"word":"a","start":1162.6799,"end":1162.92,"confidence":0.97076654,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02932053431868553},{"word":"property","start":1162.92,"end":1163.42,"confidence":0.9979116,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":0.02583014965057373},{"word":"yep","start":1165.5599,"end":1165.96,"confidence":0.9454359,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15017738938331604},{"word":"cool","start":1165.96,"end":1166.46,"confidence":0.9995593,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.29774636030197144},{"word":"have","start":1167.08,"end":1167.24,"confidence":0.8932942,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.163761168718338},{"word":"you","start":1167.24,"end":1167.32,"confidence":0.99989796,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16872252523899078},{"word":"got","start":1167.32,"end":1167.48,"confidence":0.9998134,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16249138116836548},{"word":"a","start":1167.48,"end":1167.5599,"confidence":0.99988055,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17395181953907013},{"word":"bit","start":1167.5599,"end":1167.72,"confidence":0.999946,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1842456012964249},{"word":"of","start":1167.72,"end":1167.8,"confidence":0.9439328,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.1102944239974022},{"word":"like","start":1167.8,"end":1168.04,"confidence":0.99897933,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1574743688106537},{"word":"a","start":1168.04,"end":1168.12,"confidence":0.99966025,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2085844874382019},{"word":"set","start":1168.12,"end":1168.44,"confidence":0.9994429,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.21494325995445251},{"word":"savings","start":1168.44,"end":1168.84,"confidence":0.9985304,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.1653142273426056},{"word":"per","start":1168.84,"end":1169.0,"confidence":0.9975285,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.16181480884552002},{"word":"week","start":1169.0,"end":1169.16,"confidence":0.99097764,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.12634652853012085},{"word":"that","start":1169.16,"end":1169.32,"confidence":0.9996562,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22845618426799777},{"word":"you're","start":1169.32,"end":1169.48,"confidence":0.99583423,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19649076461791992},{"word":"aiming","start":1169.48,"end":1169.88,"confidence":0.99940133,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.2377369254827499},{"word":"for","start":1169.88,"end":1170.04,"confidence":0.9989932,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2374491989612579},{"word":"this","start":1170.04,"end":1170.28,"confidence":0.99969184,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18143677711486816},{"word":"year","start":1170.28,"end":1170.78,"confidence":0.99858767,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.17993062734603882},{"word":"okay","start":1187.2,"end":1187.7,"confidence":0.8552927,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06852737069129944},{"word":"yeah","start":1209.0549,"end":1209.5549,"confidence":0.92926717,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.057241275906562805},{"word":"yep","start":1209.615,"end":1210.115,"confidence":0.97225153,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20886102318763733},{"word":"that's","start":1210.255,"end":1210.495,"confidence":0.9852809,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3154142200946808},{"word":"what","start":1210.495,"end":1210.655,"confidence":0.99961877,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1055583357810974},{"word":"we","start":1210.655,"end":1210.815,"confidence":0.9996717,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06308912485837936},{"word":"always","start":1210.815,"end":1211.135,"confidence":0.9996965,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.0579899437725544},{"word":"run","start":1211.135,"end":1211.295,"confidence":0.9992785,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.07656379044055939},{"word":"into","start":1211.295,"end":1211.795,"confidence":0.9984431,"punctuated_word":"into.","sentiment":"neutral","sentiment_score":0.08872075378894806},{"word":"even","start":1213.17,"end":1213.65,"confidence":0.9904095,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.015915535390377045},{"word":"my","start":1213.65,"end":1214.15,"confidence":0.99485505,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.001549616456031799},{"word":"my","start":1214.2101,"end":1214.4501,"confidence":0.99722505,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.008852899074554443},{"word":"mate","start":1214.4501,"end":1214.6901,"confidence":0.98863065,"punctuated_word":"mate,","sentiment":"neutral","sentiment_score":0.007983307354152203},{"word":"he's","start":1214.6901,"end":1214.93,"confidence":0.99971604,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.007973100990056992},{"word":"been","start":1214.93,"end":1215.17,"confidence":0.9999279,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.0035781338810920715},{"word":"earning","start":1215.17,"end":1215.4901,"confidence":0.9637894,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.011728674173355104},{"word":"about","start":1215.4901,"end":1215.65,"confidence":0.99978596,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.004147201776504517},{"word":"a","start":1215.65,"end":1215.7301,"confidence":0.97946036,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014717362821102142},{"word":"$100","start":1215.7301,"end":1216.29,"confidence":0.99913406,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.06986462324857712},{"word":"for","start":1216.29,"end":1216.4501,"confidence":0.99955887,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04926565662026405},{"word":"years","start":1216.4501,"end":1216.77,"confidence":0.9998925,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.03951447457075119},{"word":"doing","start":1216.77,"end":1217.27,"confidence":0.96914434,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":0.007970884442329407},{"word":"like","start":1217.3301,"end":1217.65,"confidence":0.9965195,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.013289742171764374},{"word":"security","start":1217.65,"end":1218.05,"confidence":0.9998807,"punctuated_word":"security","sentiment":"neutral","sentiment_score":-0.0004304163157939911},{"word":"work","start":1218.05,"end":1218.29,"confidence":0.99972564,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.01967376470565796},{"word":"where","start":1218.29,"end":1218.53,"confidence":0.5416388,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.006240483373403549},{"word":"he's","start":1218.53,"end":1218.6901,"confidence":0.99771565,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.013195442967116833},{"word":"working","start":1218.6901,"end":1219.1901,"confidence":0.9975217,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.01703934744000435},{"word":"sixty","start":1219.25,"end":1219.7301,"confidence":0.99816906,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.015968069434165955},{"word":"hour","start":1219.7301,"end":1219.9701,"confidence":0.9938666,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":-0.010373521596193314},{"word":"weeks","start":1219.9701,"end":1220.4701,"confidence":0.8781617,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":-0.0019831787794828415},{"word":"and","start":1220.77,"end":1221.27,"confidence":0.9996039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.003933679312467575},{"word":"he","start":1221.3301,"end":1221.4901,"confidence":0.990754,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.21058882772922516},{"word":"had","start":1221.4901,"end":1221.65,"confidence":0.99802727,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.275289922952652},{"word":"nothing","start":1221.65,"end":1222.05,"confidence":0.9995053,"punctuated_word":"nothing","sentiment":"negative","sentiment_score":-0.369141548871994},{"word":"to","start":1222.05,"end":1222.2101,"confidence":0.99893874,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.34290817379951477},{"word":"show","start":1222.2101,"end":1222.29,"confidence":0.9998042,"punctuated_word":"show","sentiment":"negative","sentiment_score":-0.4252033829689026},{"word":"for","start":1222.29,"end":1222.53,"confidence":0.99843794,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.30866941809654236},{"word":"for","start":1222.53,"end":1222.6901,"confidence":0.7187065,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.31538164615631104},{"word":"about","start":1222.6901,"end":1222.93,"confidence":0.9990588,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.353922039270401},{"word":"six","start":1222.93,"end":1223.17,"confidence":0.99882156,"punctuated_word":"six","sentiment":"negative","sentiment_score":-0.3992370069026947},{"word":"years","start":1223.17,"end":1223.3301,"confidence":0.98831403,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.27849748730659485},{"word":"and","start":1223.3301,"end":1223.4901,"confidence":0.9795034,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1551557034254074},{"word":"i","start":1223.4901,"end":1223.65,"confidence":0.9989072,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15586501359939575},{"word":"said","start":1223.65,"end":1223.89,"confidence":0.99810094,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.1488877236843109},{"word":"jack","start":1223.89,"end":1224.13,"confidence":0.9794453,"punctuated_word":"Jack,","sentiment":"neutral","sentiment_score":-0.2103618085384369},{"word":"just","start":1224.13,"end":1224.29,"confidence":0.99137926,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.23935489356517792},{"word":"set","start":1224.29,"end":1224.4501,"confidence":0.99859995,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.24287749826908112},{"word":"up","start":1224.4501,"end":1224.53,"confidence":0.9995204,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.20567692816257477},{"word":"a","start":1224.53,"end":1224.6901,"confidence":0.9998864,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19496609270572665},{"word":"different","start":1224.6901,"end":1225.01,"confidence":0.99995935,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.2085486203432083},{"word":"bank","start":1225.01,"end":1225.17,"confidence":0.99909234,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.27669164538383484},{"word":"account","start":1225.17,"end":1225.4901,"confidence":0.9996277,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.25100770592689514},{"word":"at","start":1225.4901,"end":1225.65,"confidence":0.9994318,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.27121102809906006},{"word":"this","start":1225.65,"end":1225.81,"confidence":0.99992895,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.23471581935882568},{"word":"point","start":1225.81,"end":1226.05,"confidence":0.9999559,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.22901158034801483},{"word":"because","start":1226.05,"end":1226.37,"confidence":0.8613504,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.25916093587875366},{"word":"you","start":1226.37,"end":1226.53,"confidence":0.9996557,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2769819498062134},{"word":"just","start":1226.53,"end":1226.6101,"confidence":0.9992409,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.22496254742145536},{"word":"you","start":1227.17,"end":1227.3301,"confidence":0.9994548,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.28246262669563293},{"word":"you","start":1227.3301,"end":1227.7301,"confidence":0.98846674,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3191092610359192},{"word":"you","start":1227.7301,"end":1227.89,"confidence":0.9251422,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34362757205963135},{"word":"keep","start":1227.89,"end":1228.13,"confidence":0.99810815,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.3252159357070923},{"word":"touching","start":1228.13,"end":1228.4501,"confidence":0.9995378,"punctuated_word":"touching","sentiment":"negative","sentiment_score":-0.34236955642700195},{"word":"it","start":1228.4501,"end":1228.875,"confidence":0.917126,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.28281062841415405},{"word":"and","start":1228.955,"end":1229.455,"confidence":0.99912983,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1705605387687683},{"word":"he","start":1229.755,"end":1230.075,"confidence":0.99675435,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.17302455008029938},{"word":"he","start":1230.075,"end":1230.315,"confidence":0.9950218,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.175962895154953},{"word":"started","start":1230.315,"end":1230.715,"confidence":0.9996426,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.2540864646434784},{"word":"sending","start":1230.715,"end":1231.035,"confidence":0.999742,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":-0.2951056957244873},{"word":"money","start":1231.035,"end":1231.355,"confidence":0.99992514,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.2194901704788208},{"word":"to","start":1231.355,"end":1231.595,"confidence":0.9995808,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2729964256286621},{"word":"his","start":1231.595,"end":1231.835,"confidence":0.9998983,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.2107813060283661},{"word":"mom","start":1231.835,"end":1232.335,"confidence":0.91927683,"punctuated_word":"mom,","sentiment":"neutral","sentiment_score":-0.23303133249282837},{"word":"and","start":1232.395,"end":1232.555,"confidence":0.99984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12965849041938782},{"word":"he","start":1232.555,"end":1232.715,"confidence":0.999777,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.09722833335399628},{"word":"also","start":1232.715,"end":1232.955,"confidence":0.9994931,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.04729132354259491},{"word":"started","start":1232.955,"end":1233.355,"confidence":0.998733,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.0941300019621849},{"word":"sending","start":1233.355,"end":1233.675,"confidence":0.9991372,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":-0.09747803956270218},{"word":"money","start":1233.675,"end":1234.075,"confidence":0.9996705,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.1538025438785553},{"word":"to","start":1234.075,"end":1234.395,"confidence":0.9993358,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1618313491344452},{"word":"a","start":1234.395,"end":1234.555,"confidence":0.9998994,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11731062829494476},{"word":"separate","start":1234.555,"end":1235.055,"confidence":0.99023217,"punctuated_word":"separate,","sentiment":"neutral","sentiment_score":-0.13884782791137695},{"word":"like","start":1235.115,"end":1235.355,"confidence":0.9994092,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1448703408241272},{"word":"bank","start":1235.355,"end":1235.855,"confidence":0.9995901,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.13836203515529633},{"word":"where","start":1235.915,"end":1236.155,"confidence":0.82118237,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.12836386263370514},{"word":"he","start":1236.155,"end":1236.235,"confidence":0.99957865,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.11877359449863434},{"word":"doesn't","start":1236.235,"end":1236.475,"confidence":0.9999729,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.14613744616508484},{"word":"have","start":1236.475,"end":1236.635,"confidence":0.99990284,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10410556197166444},{"word":"a","start":1236.635,"end":1236.795,"confidence":0.9996511,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02000347152352333},{"word":"card","start":1236.795,"end":1237.295,"confidence":0.993016,"punctuated_word":"card.","sentiment":"neutral","sentiment_score":0.016553077846765518},{"word":"and","start":1237.995,"end":1238.475,"confidence":0.99016994,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0951669067144394},{"word":"he's","start":1238.475,"end":1238.715,"confidence":0.89344513,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.2499469518661499},{"word":"been","start":1238.715,"end":1238.875,"confidence":0.8675208,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.3147556185722351},{"word":"able","start":1238.875,"end":1239.035,"confidence":0.94761306,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.33947914838790894},{"word":"to","start":1239.035,"end":1239.115,"confidence":0.9985928,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3459499478340149},{"word":"build","start":1239.115,"end":1239.355,"confidence":0.9980357,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.3633798062801361},{"word":"up","start":1239.355,"end":1239.515,"confidence":0.9817043,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3613200783729553},{"word":"about","start":1239.515,"end":1239.755,"confidence":0.99948406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.270108163356781},{"word":"$15","start":1239.755,"end":1240.395,"confidence":0.9997509,"punctuated_word":"$15","sentiment":"positive","sentiment_score":0.34269776940345764},{"word":"now","start":1240.395,"end":1240.635,"confidence":0.92904735,"punctuated_word":"now,","sentiment":"positive","sentiment_score":0.34729161858558655},{"word":"so","start":1240.635,"end":1240.795,"confidence":0.9996655,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2892470359802246},{"word":"he's","start":1240.795,"end":1241.035,"confidence":0.9998082,"punctuated_word":"he's","sentiment":"positive","sentiment_score":0.34521356225013733},{"word":"also","start":1241.035,"end":1241.435,"confidence":0.9998975,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.28893110156059265},{"word":"saving","start":1241.435,"end":1241.835,"confidence":0.99972016,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.2123598754405975},{"word":"for","start":1241.835,"end":1241.995,"confidence":0.9942146,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.211824968457222},{"word":"his","start":1241.995,"end":1242.235,"confidence":0.9997454,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.24302007257938385},{"word":"first","start":1242.235,"end":1242.475,"confidence":0.9993488,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.21050994098186493},{"word":"house","start":1242.475,"end":1242.975,"confidence":0.99775654,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":0.20380458235740664},{"word":"anything","start":1244.5499,"end":1244.95,"confidence":0.99755234,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.008645012974739075},{"word":"you","start":1244.95,"end":1245.0299,"confidence":0.9999149,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0320991650223732},{"word":"need","start":1245.0299,"end":1245.19,"confidence":0.99995303,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.08934564143419266},{"word":"to","start":1245.19,"end":1245.35,"confidence":0.99984884,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0964803546667099},{"word":"do","start":1245.35,"end":1245.5099,"confidence":0.98501015,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.06293638050556183},{"word":"you","start":1245.5099,"end":1245.6699,"confidence":0.99712354,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05801187455654144},{"word":"know","start":1245.6699,"end":1245.9099,"confidence":0.9991447,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08591742813587189},{"word":"just","start":1245.9099,"end":1246.07,"confidence":0.9998056,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.056042589247226715},{"word":"to","start":1246.07,"end":1246.23,"confidence":0.9998592,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08936160057783127},{"word":"make","start":1246.23,"end":1246.3899,"confidence":0.9999169,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.043753527104854584},{"word":"sure","start":1246.3899,"end":1246.63,"confidence":0.99979,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.01713724434375763},{"word":"that","start":1246.63,"end":1246.87,"confidence":0.99956673,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04413266479969025},{"word":"you're","start":1246.87,"end":1247.2699,"confidence":0.9702269,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05971349775791168},{"word":"you're","start":1247.2699,"end":1247.5099,"confidence":0.99012136,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0744006559252739},{"word":"rolling","start":1247.5099,"end":1247.9099,"confidence":0.9996971,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.16154591739177704},{"word":"on","start":1247.9099,"end":1248.1499,"confidence":0.9998833,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18827292323112488},{"word":"and","start":1248.1499,"end":1248.3099,"confidence":0.9987772,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12285570055246352},{"word":"actually","start":1248.3099,"end":1248.63,"confidence":0.9962282,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.16641758382320404},{"word":"getting","start":1248.63,"end":1248.7899,"confidence":0.99952376,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.15088342130184174},{"word":"to","start":1248.7899,"end":1248.95,"confidence":0.99970526,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2109924852848053},{"word":"where","start":1248.95,"end":1249.19,"confidence":0.9942268,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2052897810935974},{"word":"you","start":1249.19,"end":1249.2699,"confidence":0.9996637,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08753632009029388},{"word":"wanna","start":1249.2699,"end":1249.5099,"confidence":0.8562924,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0980491191148758},{"word":"go","start":1249.5099,"end":1250.0099,"confidence":0.98617804,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.04040832445025444},{"word":"yeah","start":1258.8049,"end":1259.3049,"confidence":0.9958738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.035770248621702194},{"word":"yeah","start":1260.645,"end":1261.145,"confidence":0.99003845,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09719058871269226},{"word":"yeah","start":1290.915,"end":1291.415,"confidence":0.974944,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.23409458994865415},{"word":"it's","start":1312.145,"end":1312.465,"confidence":0.7512319,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3472388982772827},{"word":"too","start":1312.465,"end":1312.7051,"confidence":0.9964007,"punctuated_word":"too","sentiment":"positive","sentiment_score":0.549937903881073},{"word":"tempting","start":1312.7051,"end":1313.025,"confidence":0.99961346,"punctuated_word":"tempting","sentiment":"positive","sentiment_score":0.6096143126487732},{"word":"and","start":1313.025,"end":1313.265,"confidence":0.9974241,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6002899408340454},{"word":"easy","start":1313.265,"end":1313.505,"confidence":0.9963161,"punctuated_word":"easy.","sentiment":"positive","sentiment_score":0.4726807177066803},{"word":"you","start":1313.505,"end":1313.665,"confidence":0.9987143,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.17388449609279633},{"word":"click","start":1313.665,"end":1313.785,"confidence":0.9964055,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.17823897302150726},{"word":"a","start":1313.785,"end":1313.905,"confidence":0.99714535,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15612517297267914},{"word":"couple","start":1313.905,"end":1314.145,"confidence":0.9997693,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.10851139575242996},{"word":"of","start":1314.145,"end":1314.305,"confidence":0.9947685,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06418061256408691},{"word":"buttons","start":1314.305,"end":1314.7051,"confidence":0.9685352,"punctuated_word":"buttons","sentiment":"neutral","sentiment_score":0.08027567714452744},{"word":"and","start":1314.7051,"end":1314.785,"confidence":0.52968794,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03636156767606735},{"word":"it's","start":1314.785,"end":1314.9451,"confidence":0.90797234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06727775186300278},{"word":"gone","start":1314.9451,"end":1315.4451,"confidence":0.963143,"punctuated_word":"gone.","sentiment":"neutral","sentiment_score":0.09516366571187972},{"word":"yep","start":1318.3201,"end":1318.8201,"confidence":0.9356557,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0780816301703453},{"word":"yeah","start":1327.52,"end":1327.92,"confidence":0.98629946,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.428439199924469},{"word":"absolutely","start":1327.92,"end":1328.42,"confidence":0.99855435,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5237279534339905},{"word":"so","start":1329.12,"end":1329.62,"confidence":0.8538809,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3780915141105652},{"word":"i'll","start":1330.045,"end":1330.125,"confidence":0.9988076,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.36731183528900146},{"word":"put","start":1330.125,"end":1330.205,"confidence":0.9998504,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.43929827213287354},{"word":"that","start":1330.205,"end":1330.2849,"confidence":0.99987197,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4055611193180084},{"word":"down","start":1330.2849,"end":1330.365,"confidence":0.99991095,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3923759460449219},{"word":"as","start":1330.365,"end":1330.605,"confidence":0.7890571,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3221594989299774},{"word":"some","start":1330.605,"end":1330.725,"confidence":0.9995054,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3458215594291687},{"word":"of","start":1330.725,"end":1330.845,"confidence":0.9998178,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3914385139942169},{"word":"the","start":1330.845,"end":1331.005,"confidence":0.9994961,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3516525328159332},{"word":"goals","start":1331.005,"end":1331.165,"confidence":0.999382,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.28146785497665405},{"word":"that","start":1331.165,"end":1331.325,"confidence":0.99931645,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28967174887657166},{"word":"we're","start":1331.325,"end":1331.5651,"confidence":0.99934626,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.31486111879348755},{"word":"trying","start":1331.5651,"end":1331.725,"confidence":0.9993179,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.3077060580253601},{"word":"to","start":1331.725,"end":1331.805,"confidence":0.9985795,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3733820617198944},{"word":"aim","start":1331.805,"end":1331.965,"confidence":0.99991894,"punctuated_word":"aim","sentiment":"positive","sentiment_score":0.37633949518203735},{"word":"for","start":1331.965,"end":1332.205,"confidence":0.9982216,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3981151580810547},{"word":"40,000","start":1332.205,"end":1332.845,"confidence":0.99919593,"punctuated_word":"40,000","sentiment":"positive","sentiment_score":0.4040743112564087},{"word":"over","start":1332.845,"end":1333.005,"confidence":0.9988141,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.32985538244247437},{"word":"the","start":1333.005,"end":1333.165,"confidence":0.9998838,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2900872230529785},{"word":"next","start":1333.165,"end":1333.405,"confidence":0.99996567,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1942913234233856},{"word":"two","start":1333.405,"end":1333.5651,"confidence":0.9914205,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1928856670856476},{"word":"years","start":1333.5651,"end":1333.805,"confidence":0.88636625,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.206753671169281},{"word":"and","start":1333.805,"end":1333.965,"confidence":0.9985025,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15716242790222168},{"word":"we'll","start":1333.965,"end":1334.205,"confidence":0.8469757,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.13169260323047638},{"word":"just","start":1334.205,"end":1334.365,"confidence":0.98745096,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12707194685935974},{"word":"kind","start":1334.365,"end":1334.525,"confidence":0.9262108,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.138902485370636},{"word":"of","start":1334.525,"end":1334.605,"confidence":0.9956713,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16362358629703522},{"word":"when","start":1334.685,"end":1334.845,"confidence":0.99854016,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10783932358026505},{"word":"we","start":1334.845,"end":1334.925,"confidence":0.9998247,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13470108807086945},{"word":"do","start":1334.925,"end":1335.085,"confidence":0.99987876,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.164107546210289},{"word":"our","start":1335.085,"end":1335.325,"confidence":0.9892582,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.14160718023777008},{"word":"reviews","start":1335.325,"end":1335.725,"confidence":0.99959797,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.153122678399086},{"word":"with","start":1335.725,"end":1335.885,"confidence":0.999767,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1384286731481552},{"word":"you","start":1335.885,"end":1336.205,"confidence":0.99912804,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.16930174827575684},{"word":"we'll","start":1336.205,"end":1336.4451,"confidence":0.9980955,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.19289129972457889},{"word":"touch","start":1336.4451,"end":1336.685,"confidence":0.9999269,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.19321821630001068},{"word":"base","start":1336.685,"end":1336.925,"confidence":0.9995864,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.19288024306297305},{"word":"and","start":1336.925,"end":1337.165,"confidence":0.99869555,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18607044219970703},{"word":"see","start":1337.165,"end":1337.325,"confidence":0.99863976,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.21877466142177585},{"word":"how","start":1337.325,"end":1337.485,"confidence":0.9998971,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1718996912240982},{"word":"you're","start":1337.485,"end":1337.645,"confidence":0.9972806,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23749229311943057},{"word":"going","start":1337.645,"end":1338.145,"confidence":0.99722064,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.22504648566246033},{"word":"do","start":1340.285,"end":1340.525,"confidence":0.9960735,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.14412455260753632},{"word":"you","start":1340.525,"end":1340.685,"confidence":0.99979,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1578519195318222},{"word":"have","start":1340.685,"end":1340.925,"confidence":0.9999058,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1787180453538895},{"word":"a","start":1340.925,"end":1341.085,"confidence":0.9995517,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22469012439250943},{"word":"little","start":1341.085,"end":1341.325,"confidence":0.9999393,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.19323958456516263},{"word":"bit","start":1341.325,"end":1341.485,"confidence":0.99942845,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11097701638936996},{"word":"scroll","start":1341.485,"end":1341.725,"confidence":0.6307901,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.12004870176315308},{"word":"to","start":1341.725,"end":1341.885,"confidence":0.47380605,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1784135401248932},{"word":"land","start":1341.885,"end":1342.125,"confidence":0.9143542,"punctuated_word":"land","sentiment":"neutral","sentiment_score":0.11806213110685349},{"word":"savings","start":1342.125,"end":1342.4451,"confidence":0.9986217,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.1272522658109665},{"word":"at","start":1342.4451,"end":1342.605,"confidence":0.9995517,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12919636070728302},{"word":"the","start":1342.605,"end":1342.685,"confidence":0.99929404,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16851122677326202},{"word":"moment","start":1342.685,"end":1343.005,"confidence":0.99998665,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.18385857343673703},{"word":"that","start":1343.005,"end":1343.165,"confidence":0.99971837,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12823167443275452},{"word":"i","start":1343.165,"end":1343.245,"confidence":0.9998287,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16347680985927582},{"word":"can","start":1343.245,"end":1343.485,"confidence":0.9998685,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.153411865234375},{"word":"note","start":1343.485,"end":1343.725,"confidence":0.99974734,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.179994136095047},{"word":"down","start":1343.725,"end":1344.045,"confidence":0.99970716,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2001340091228485},{"word":"in","start":1344.045,"end":1344.205,"confidence":0.9995122,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19211454689502716},{"word":"your","start":1344.205,"end":1344.525,"confidence":0.9997203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.191401407122612},{"word":"assets","start":1344.525,"end":1345.025,"confidence":0.9981226,"punctuated_word":"assets?","sentiment":"neutral","sentiment_score":0.12554259598255155},{"word":"perfect","start":1349.47,"end":1349.97,"confidence":0.8148769,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5046424865722656},{"word":"to","start":1350.35,"end":1350.51,"confidence":0.7598563,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.20187875628471377},{"word":"start","start":1350.51,"end":1351.01,"confidence":0.9383584,"punctuated_word":"start,","sentiment":"neutral","sentiment_score":0.2084878385066986},{"word":"always","start":1351.39,"end":1351.71,"confidence":0.69961286,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.37980353832244873},{"word":"nice","start":1351.71,"end":1351.83,"confidence":0.9941116,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.4262861013412475},{"word":"to","start":1351.83,"end":1351.95,"confidence":0.9837887,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30119699239730835},{"word":"have","start":1351.95,"end":1352.11,"confidence":0.999874,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2623135447502136},{"word":"a","start":1352.11,"end":1352.19,"confidence":0.9994185,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3145597279071808},{"word":"little","start":1352.19,"end":1352.27,"confidence":0.9999132,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.33000850677490234},{"word":"bit","start":1352.27,"end":1352.4299,"confidence":0.9998603,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3216680884361267},{"word":"of","start":1352.4299,"end":1352.59,"confidence":0.9995183,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36548516154289246},{"word":"emergency","start":1352.59,"end":1353.09,"confidence":0.84814906,"punctuated_word":"emergency","sentiment":"neutral","sentiment_score":0.2281932830810547},{"word":"fund","start":1353.23,"end":1353.5499,"confidence":0.9936515,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.2358918339014053},{"word":"too","start":1353.5499,"end":1354.0499,"confidence":0.9963092,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.1965788900852203},{"word":"last","start":1355.95,"end":1356.19,"confidence":0.9784979,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":-0.0016294047236442566},{"word":"couple","start":1356.19,"end":1356.51,"confidence":0.99992025,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.005139913409948349},{"word":"of","start":1356.51,"end":1356.6699,"confidence":0.99929893,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008224349468946457},{"word":"details","start":1356.6699,"end":1357.1699,"confidence":0.8017402,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.006515882909297943},{"word":"we've","start":1357.3099,"end":1357.71,"confidence":0.9983989,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.0019928961992263794},{"word":"got","start":1357.71,"end":1358.21,"confidence":0.9994822,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.013603150844573976},{"word":"you've","start":1359.265,"end":1359.585,"confidence":0.9983163,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.0049742236733436584},{"word":"still","start":1359.585,"end":1359.825,"confidence":0.9998908,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.025839079171419144},{"word":"never","start":1359.825,"end":1360.0651,"confidence":0.9998455,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.03951172158122063},{"word":"gone","start":1360.0651,"end":1360.305,"confidence":0.9974445,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.047423604875802994},{"word":"through","start":1360.305,"end":1360.465,"confidence":0.889287,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.04692729935050011},{"word":"like","start":1360.465,"end":1360.785,"confidence":0.9975333,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.047893766313791275},{"word":"bankruptcy","start":1360.785,"end":1361.265,"confidence":0.99977666,"punctuated_word":"bankruptcy","sentiment":"neutral","sentiment_score":-0.05611710250377655},{"word":"or","start":1361.265,"end":1361.425,"confidence":0.99868506,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09664390236139296},{"word":"debt","start":1361.425,"end":1361.665,"confidence":0.9967018,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.06443849205970764},{"word":"agreements","start":1361.665,"end":1362.165,"confidence":0.9992142,"punctuated_word":"agreements","sentiment":"neutral","sentiment_score":-0.05745071545243263},{"word":"before","start":1362.225,"end":1362.725,"confidence":0.92152184,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":-0.020793452858924866},{"word":"alright","start":1364.305,"end":1364.705,"confidence":0.68976635,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.017235638573765755},{"word":"cool","start":1364.705,"end":1365.025,"confidence":0.998774,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.07302241027355194},{"word":"and","start":1365.025,"end":1365.345,"confidence":0.9970993,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.027234911918640137},{"word":"we're","start":1365.345,"end":1365.585,"confidence":0.9994947,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.062487758696079254},{"word":"looking","start":1365.585,"end":1365.905,"confidence":0.9998884,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08976428210735321},{"word":"at","start":1365.905,"end":1366.0651,"confidence":0.99957424,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06177184730768204},{"word":"putting","start":1366.0651,"end":1366.305,"confidence":0.99381435,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.06521985679864883},{"word":"place","start":1366.305,"end":1366.545,"confidence":0.655308,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.06898558139801025},{"word":"like","start":1366.545,"end":1366.705,"confidence":0.99504995,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07335448265075684},{"word":"the","start":1366.705,"end":1366.865,"confidence":0.9964445,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08122770488262177},{"word":"will","start":1366.865,"end":1367.185,"confidence":0.9990633,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09944936633110046},{"word":"and","start":1367.185,"end":1367.425,"confidence":0.9962161,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02058037370443344},{"word":"the","start":1367.425,"end":1367.505,"confidence":0.9993211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046386584639549255},{"word":"power","start":1367.505,"end":1367.745,"confidence":0.99940777,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.06681288778781891},{"word":"of","start":1367.745,"end":1367.905,"confidence":0.9992526,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06398144364356995},{"word":"attorney","start":1367.905,"end":1368.385,"confidence":0.99983585,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.06315818428993225},{"word":"potentially","start":1368.385,"end":1368.885,"confidence":0.79345477,"punctuated_word":"potentially.","sentiment":"neutral","sentiment_score":0.020227640867233276},{"word":"and","start":1371.76,"end":1372.26,"confidence":0.9966574,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.004896318539977074},{"word":"health","start":1373.04,"end":1373.36,"confidence":0.95576173,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.013498511165380478},{"word":"wise","start":1373.36,"end":1373.86,"confidence":0.8859011,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":-0.02910991944372654},{"word":"still","start":1375.04,"end":1375.28,"confidence":0.95935786,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.024033211171627045},{"word":"smoking","start":1375.28,"end":1375.6,"confidence":0.9995968,"punctuated_word":"smoking","sentiment":"neutral","sentiment_score":-0.0007761865854263306},{"word":"at","start":1375.6,"end":1375.76,"confidence":0.99964726,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03606219589710235},{"word":"the","start":1375.76,"end":1375.84,"confidence":0.9997676,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026212671771645542},{"word":"moment","start":1375.84,"end":1376.34,"confidence":0.9811647,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.04224319010972977},{"word":"oh","start":1380.48,"end":1380.72,"confidence":0.80650437,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.09936989098787308},{"word":"nice","start":1380.72,"end":1381.22,"confidence":0.99743664,"punctuated_word":"nice.","sentiment":"neutral","sentiment_score":0.14870139956474304},{"word":"fantastic","start":1384.895,"end":1385.395,"confidence":0.99637544,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4875778555870056},{"word":"so","start":1385.4551,"end":1385.775,"confidence":0.99751496,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19461169838905337},{"word":"just","start":1385.775,"end":1386.015,"confidence":0.99498016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2307438850402832},{"word":"to","start":1386.015,"end":1386.0951,"confidence":0.99883264,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19838081300258636},{"word":"let","start":1386.0951,"end":1386.255,"confidence":0.99996924,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.24324826896190643},{"word":"you","start":1386.255,"end":1386.3351,"confidence":0.9995857,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22519603371620175},{"word":"know","start":1386.3351,"end":1386.5751,"confidence":0.9958464,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.20344460010528564},{"word":"like","start":1386.5751,"end":1386.735,"confidence":0.9973432,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.21775931119918823},{"word":"whenever","start":1386.735,"end":1387.135,"confidence":0.9995553,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.23569703102111816},{"word":"you're","start":1387.135,"end":1387.535,"confidence":0.9584023,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2079232633113861},{"word":"12","start":1387.535,"end":1388.515,"confidence":0.999038,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.2145039439201355},{"word":"nicotine","start":1389.375,"end":1389.875,"confidence":0.84579396,"punctuated_word":"nicotine","sentiment":"neutral","sentiment_score":0.17535383999347687},{"word":"free","start":1390.175,"end":1390.5751,"confidence":0.99846625,"punctuated_word":"free,","sentiment":"neutral","sentiment_score":0.19648653268814087},{"word":"you","start":1390.5751,"end":1390.735,"confidence":0.99973065,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2754500210285187},{"word":"get","start":1390.735,"end":1390.895,"confidence":0.8973624,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.2239901572465897},{"word":"like","start":1390.895,"end":1391.135,"confidence":0.99933887,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2680164575576782},{"word":"a","start":1391.135,"end":1391.295,"confidence":0.99952424,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2250746637582779},{"word":"nonsmoker","start":1391.295,"end":1391.795,"confidence":0.9838806,"punctuated_word":"nonsmoker","sentiment":"neutral","sentiment_score":0.17843249440193176},{"word":"status","start":1392.015,"end":1392.415,"confidence":0.97155535,"punctuated_word":"status","sentiment":"neutral","sentiment_score":0.220958948135376},{"word":"when","start":1392.415,"end":1392.5751,"confidence":0.997595,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.20258599519729617},{"word":"it","start":1392.5751,"end":1392.735,"confidence":0.99988294,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2019677758216858},{"word":"comes","start":1392.735,"end":1392.895,"confidence":0.99990785,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.2180069535970688},{"word":"to","start":1392.895,"end":1393.055,"confidence":0.9358519,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.247285395860672},{"word":"like","start":1393.055,"end":1393.295,"confidence":0.99807286,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.21794678270816803},{"word":"insurances","start":1393.295,"end":1393.795,"confidence":0.99856955,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.18301719427108765},{"word":"and","start":1393.855,"end":1394.0951,"confidence":0.9992949,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16038933396339417},{"word":"things","start":1394.0951,"end":1394.415,"confidence":0.99991703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15233826637268066},{"word":"like","start":1394.415,"end":1394.5751,"confidence":0.9998511,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14040198922157288},{"word":"that","start":1394.5751,"end":1395.03,"confidence":0.9864261,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.168012797832489},{"word":"so","start":1395.11,"end":1395.1901,"confidence":0.9994454,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10388895124197006},{"word":"we'll","start":1395.1901,"end":1395.43,"confidence":0.9998596,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.10032014548778534},{"word":"just","start":1395.43,"end":1395.51,"confidence":0.9999031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0892198234796524},{"word":"keep","start":1395.51,"end":1395.8301,"confidence":0.9999403,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11458219587802888},{"word":"that","start":1395.8301,"end":1395.99,"confidence":0.99990845,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10219456255435944},{"word":"in","start":1395.99,"end":1396.15,"confidence":0.9995745,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07530388236045837},{"word":"mind","start":1396.15,"end":1396.31,"confidence":0.9999572,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.15929725766181946},{"word":"so","start":1396.31,"end":1396.55,"confidence":0.9823475,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11915340274572372},{"word":"that","start":1396.55,"end":1396.63,"confidence":0.99659425,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1263469755649567},{"word":"when","start":1396.63,"end":1396.87,"confidence":0.998818,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1220904067158699},{"word":"we","start":1396.87,"end":1397.03,"confidence":0.9989153,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1112276241183281},{"word":"can","start":1397.03,"end":1397.1901,"confidence":0.99835277,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14432379603385925},{"word":"tag","start":1397.1901,"end":1397.51,"confidence":0.99977535,"punctuated_word":"tag","sentiment":"neutral","sentiment_score":0.1781337410211563},{"word":"you","start":1397.51,"end":1397.67,"confidence":0.9990885,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16128027439117432},{"word":"as","start":1397.67,"end":1397.91,"confidence":0.9960001,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1695149391889572},{"word":"twelve","start":1397.91,"end":1398.15,"confidence":0.99989295,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.11045844852924348},{"word":"months","start":1398.15,"end":1398.47,"confidence":0.9998435,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.12328559905290604},{"word":"free","start":1398.47,"end":1398.97,"confidence":0.9975322,"punctuated_word":"free,","sentiment":"neutral","sentiment_score":0.133276104927063},{"word":"then","start":1399.11,"end":1399.51,"confidence":0.99976546,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1331299990415573},{"word":"we'll","start":1399.51,"end":1399.8301,"confidence":0.9995926,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08547522872686386},{"word":"know","start":1399.8301,"end":1399.99,"confidence":0.9999515,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05610794946551323},{"word":"whether","start":1399.99,"end":1400.31,"confidence":0.99977714,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.05646621435880661},{"word":"we","start":1400.31,"end":1400.39,"confidence":0.99978966,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06418750435113907},{"word":"need","start":1400.39,"end":1400.55,"confidence":0.999368,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06600530445575714},{"word":"to","start":1400.55,"end":1400.7101,"confidence":0.99799454,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0903458446264267},{"word":"update","start":1400.7101,"end":1401.03,"confidence":0.99987495,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.10523493587970734},{"word":"anything","start":1401.03,"end":1401.53,"confidence":0.9996613,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":0.12061314284801485},{"word":"cool","start":1403.5901,"end":1404.0901,"confidence":0.9860126,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4412153363227844},{"word":"that's","start":1404.55,"end":1404.9501,"confidence":0.8254487,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4509619176387787},{"word":"pretty","start":1404.9501,"end":1405.1901,"confidence":0.99979025,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5047114491462708},{"word":"much","start":1405.1901,"end":1405.43,"confidence":0.99996483,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.45065534114837646},{"word":"everything","start":1405.43,"end":1405.75,"confidence":0.9999465,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.5107976794242859},{"word":"that","start":1405.75,"end":1405.99,"confidence":0.99984026,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.44341883063316345},{"word":"i","start":1405.99,"end":1406.15,"confidence":0.99994826,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.48081618547439575},{"word":"needed","start":1406.15,"end":1406.47,"confidence":0.99980354,"punctuated_word":"needed.","sentiment":"neutral","sentiment_score":0.06843461096286774},{"word":"is","start":1406.47,"end":1406.7101,"confidence":0.9999399,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05663706362247467},{"word":"there","start":1406.7101,"end":1406.87,"confidence":0.9998066,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04583558812737465},{"word":"anything","start":1406.87,"end":1407.1901,"confidence":0.9998653,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0917576476931572},{"word":"else","start":1407.1901,"end":1407.51,"confidence":0.99991214,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.09616944193840028},{"word":"that","start":1407.51,"end":1407.75,"confidence":0.9998518,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05614852532744408},{"word":"you","start":1407.75,"end":1407.91,"confidence":0.99989593,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07061106711626053},{"word":"would","start":1407.91,"end":1408.15,"confidence":0.99991703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06891299784183502},{"word":"like","start":1408.15,"end":1408.65,"confidence":0.9997627,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.070622019469738},{"word":"to","start":1408.8049,"end":1409.205,"confidence":0.99987805,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08406194299459457},{"word":"mix","start":1409.205,"end":1409.445,"confidence":0.99958163,"punctuated_word":"mix","sentiment":"neutral","sentiment_score":0.1257627159357071},{"word":"in","start":1409.445,"end":1409.605,"confidence":0.9998141,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13129174709320068},{"word":"with","start":1409.605,"end":1409.845,"confidence":0.99980575,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1593380719423294},{"word":"this","start":1409.845,"end":1410.005,"confidence":0.999902,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15127301216125488},{"word":"advice","start":1410.005,"end":1410.405,"confidence":0.9967236,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.16255775094032288},{"word":"that","start":1410.405,"end":1410.565,"confidence":0.99989843,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09513325989246368},{"word":"we're","start":1410.565,"end":1410.725,"confidence":0.99987215,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1442352831363678},{"word":"doing","start":1410.725,"end":1411.225,"confidence":0.9994211,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.081449955701828},{"word":"yep","start":1418.405,"end":1418.905,"confidence":0.9687899,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0837617963552475},{"word":"awesome","start":1418.965,"end":1419.465,"confidence":0.99960315,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.41331297159194946},{"word":"so","start":1420.005,"end":1420.245,"confidence":0.5039437,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1369629055261612},{"word":"i","start":1420.245,"end":1420.405,"confidence":0.99939704,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06496622413396835},{"word":"won't","start":1420.405,"end":1420.645,"confidence":0.9995133,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.17234382033348083},{"word":"look","start":1420.645,"end":1420.8049,"confidence":0.99983454,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12261304259300232},{"word":"at","start":1420.8049,"end":1420.965,"confidence":0.9944899,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04656967520713806},{"word":"anything","start":1420.965,"end":1421.365,"confidence":0.9994802,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0850863829255104},{"word":"to","start":1421.365,"end":1421.525,"confidence":0.99943525,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03926472365856171},{"word":"do","start":1421.525,"end":1421.6849,"confidence":0.99989665,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.022488847374916077},{"word":"with","start":1421.6849,"end":1421.845,"confidence":0.9539231,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.03808305785059929},{"word":"like","start":1421.845,"end":1422.085,"confidence":0.99247813,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04381191730499267},{"word":"insurances","start":1422.085,"end":1422.585,"confidence":0.99878186,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.0741431936621666},{"word":"and","start":1422.885,"end":1423.125,"confidence":0.99213445,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09561214596033096},{"word":"investments","start":1423.125,"end":1423.605,"confidence":0.9996362,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0422111451625824},{"word":"and","start":1423.605,"end":1423.845,"confidence":0.9974312,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.061366140842437744},{"word":"things","start":1423.845,"end":1424.1649,"confidence":0.99993205,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.09961799532175064},{"word":"like","start":1424.1649,"end":1424.325,"confidence":0.9998348,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09231504797935486},{"word":"that","start":1424.325,"end":1424.7,"confidence":0.9993881,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.15485809743404388},{"word":"i","start":1424.7799,"end":1424.94,"confidence":0.9999597,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08468639105558395},{"word":"guess","start":1424.94,"end":1425.1,"confidence":0.9999474,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.15597306191921234},{"word":"your","start":1425.1,"end":1425.1799,"confidence":0.94189304,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13216620683670044},{"word":"priority","start":1425.1799,"end":1425.58,"confidence":0.9998653,"punctuated_word":"priority","sentiment":"neutral","sentiment_score":0.14628586173057556},{"word":"at","start":1425.58,"end":1425.6599,"confidence":0.99356526,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17548760771751404},{"word":"the","start":1425.6599,"end":1425.74,"confidence":0.9998504,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23817400634288788},{"word":"moment","start":1425.74,"end":1425.98,"confidence":0.9999782,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.1804395318031311},{"word":"is","start":1425.98,"end":1426.22,"confidence":0.99813664,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1551867127418518},{"word":"just","start":1426.22,"end":1426.2999,"confidence":0.9892218,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1615806221961975},{"word":"get","start":1426.2999,"end":1426.46,"confidence":0.98523384,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08493369817733765},{"word":"the","start":1426.46,"end":1426.62,"confidence":0.99879694,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2378392219543457},{"word":"super","start":1426.62,"end":1426.94,"confidence":0.99597615,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.26906830072402954},{"word":"back","start":1426.94,"end":1427.1,"confidence":0.99482477,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.34937652945518494},{"word":"on","start":1427.1,"end":1427.34,"confidence":0.9997384,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3021705150604248},{"word":"track","start":1427.34,"end":1427.6599,"confidence":0.8853843,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.25532397627830505},{"word":"make","start":1427.6599,"end":1427.82,"confidence":0.99741083,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2687758803367615},{"word":"sure","start":1427.82,"end":1427.98,"confidence":0.99983704,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.27485623955726624},{"word":"your","start":1427.98,"end":1428.22,"confidence":0.99395835,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2657827138900757},{"word":"beneficiaries","start":1428.22,"end":1428.72,"confidence":0.9974993,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.28383147716522217},{"word":"and","start":1428.86,"end":1429.0199,"confidence":0.9914466,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19718773663043976},{"word":"will","start":1429.0199,"end":1429.26,"confidence":0.9866606,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3013342022895813},{"word":"are","start":1429.26,"end":1429.4199,"confidence":0.9511493,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24548457562923431},{"word":"sorted","start":1429.4199,"end":1429.9199,"confidence":0.901335,"punctuated_word":"sorted,","sentiment":"neutral","sentiment_score":0.21714970469474792},{"word":"and","start":1430.0599,"end":1430.2999,"confidence":0.9997404,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11931858956813812},{"word":"saving","start":1430.2999,"end":1430.7,"confidence":0.9265907,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.12234655022621156},{"word":"for","start":1430.7,"end":1430.86,"confidence":0.9994247,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18563617765903473},{"word":"that","start":1430.86,"end":1431.0199,"confidence":0.9997305,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2216131091117859},{"word":"house","start":1431.0199,"end":1431.5199,"confidence":0.99935144,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":0.18113821744918823},{"word":"awesome","start":1434.22,"end":1434.7,"confidence":0.997839,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.6471785306930542},{"word":"so","start":1434.7,"end":1435.2,"confidence":0.99819994,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3886304199695587},{"word":"what","start":1435.5,"end":1435.6599,"confidence":0.7340156,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3563322126865387},{"word":"i'll","start":1435.6599,"end":1435.8999,"confidence":0.99996686,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3285030424594879},{"word":"do","start":1435.8999,"end":1435.98,"confidence":0.99994874,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3715723752975464},{"word":"is","start":1435.98,"end":1436.1399,"confidence":0.9999187,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2248688638210297},{"word":"i'll","start":1436.1399,"end":1436.38,"confidence":0.99857783,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.27705812454223633},{"word":"go","start":1436.38,"end":1436.5399,"confidence":0.9999789,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.37144315242767334},{"word":"away","start":1436.5399,"end":1436.62,"confidence":0.93879557,"punctuated_word":"away","sentiment":"positive","sentiment_score":0.4025706946849823},{"word":"and","start":1436.62,"end":1436.7799,"confidence":0.9995403,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29631003737449646},{"word":"put","start":1436.7799,"end":1436.94,"confidence":0.9999591,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.30785953998565674},{"word":"together","start":1436.94,"end":1437.26,"confidence":0.99991286,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.28457117080688477},{"word":"a","start":1437.26,"end":1437.4199,"confidence":0.9998424,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3830745220184326},{"word":"little","start":1437.4199,"end":1437.6599,"confidence":0.99997306,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2731691896915436},{"word":"bit","start":1437.6599,"end":1437.82,"confidence":0.9999113,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.34416326880455017},{"word":"of","start":1437.82,"end":1437.98,"confidence":0.99962723,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.37996357679367065},{"word":"research","start":1437.98,"end":1438.48,"confidence":0.9999062,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.3342670500278473},{"word":"about","start":1438.845,"end":1439.085,"confidence":0.9998915,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17138075828552246},{"word":"the","start":1439.085,"end":1439.485,"confidence":0.9987494,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17139548063278198},{"word":"super","start":1439.485,"end":1439.985,"confidence":0.974684,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.27510103583335876},{"word":"i'll","start":1440.0449,"end":1440.205,"confidence":0.99994534,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22640109062194824},{"word":"let","start":1440.205,"end":1440.445,"confidence":0.99991167,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2589596211910248},{"word":"veronica","start":1440.445,"end":1440.845,"confidence":0.99069643,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":0.277471661567688},{"word":"know","start":1440.845,"end":1441.165,"confidence":0.999559,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2997637093067169},{"word":"what","start":1441.165,"end":1441.245,"confidence":0.99988556,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.24003028869628903},{"word":"we're","start":1441.245,"end":1441.485,"confidence":0.9998887,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.23482374846935272},{"word":"doing","start":1441.485,"end":1441.725,"confidence":0.9997019,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.27826228737831116},{"word":"as","start":1441.725,"end":1441.8049,"confidence":0.9999161,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2579607367515564},{"word":"well","start":1441.8049,"end":1442.0449,"confidence":0.9999864,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2982090711593628},{"word":"just","start":1442.0449,"end":1442.285,"confidence":0.91340315,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22138026356697085},{"word":"so","start":1442.285,"end":1442.445,"confidence":0.99987805,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.21432006359100345},{"word":"she's","start":1442.445,"end":1442.765,"confidence":0.99893546,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.22541730105876925},{"word":"aware","start":1442.765,"end":1443.265,"confidence":0.95243776,"punctuated_word":"aware.","sentiment":"neutral","sentiment_score":0.24585789442062375},{"word":"and","start":1443.645,"end":1444.145,"confidence":0.9970631,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.43535909056663513},{"word":"sometime","start":1445.005,"end":1445.505,"confidence":0.9329497,"punctuated_word":"sometime","sentiment":"positive","sentiment_score":0.37269726395606995},{"word":"over","start":1445.645,"end":1445.885,"confidence":0.9990553,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4035590887069702},{"word":"the","start":1445.885,"end":1446.0449,"confidence":0.99985385,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44376203417778015},{"word":"fortnight","start":1446.0449,"end":1446.5449,"confidence":0.99706733,"punctuated_word":"fortnight,","sentiment":"positive","sentiment_score":0.3412281274795532},{"word":"the","start":1446.605,"end":1446.765,"confidence":0.99984014,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3756166398525238},{"word":"team","start":1446.765,"end":1446.9249,"confidence":0.9999292,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.3956308662891388},{"word":"will","start":1446.9249,"end":1447.085,"confidence":0.9996176,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.395003080368042},{"word":"give","start":1447.085,"end":1447.325,"confidence":0.99994445,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.3800979554653168},{"word":"you","start":1447.325,"end":1447.485,"confidence":0.9998454,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5062376856803894},{"word":"a","start":1447.485,"end":1447.565,"confidence":0.9983699,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4199122190475464},{"word":"buzz","start":1447.565,"end":1447.885,"confidence":0.9997726,"punctuated_word":"buzz","sentiment":"positive","sentiment_score":0.5211711525917053},{"word":"just","start":1447.885,"end":1448.0449,"confidence":0.99891627,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3881983160972595},{"word":"to","start":1448.0449,"end":1448.125,"confidence":0.9998271,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34267139434814453},{"word":"get","start":1448.125,"end":1448.285,"confidence":0.9999565,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.43925756216049194},{"word":"you","start":1448.285,"end":1448.445,"confidence":0.9988201,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5050066113471985},{"word":"booked","start":1448.445,"end":1448.6849,"confidence":0.9993793,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.41828498244285583},{"word":"in","start":1448.6849,"end":1448.845,"confidence":0.9917773,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3441022038459778},{"word":"to","start":1448.845,"end":1449.005,"confidence":0.9989735,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.347705602645874},{"word":"go","start":1449.005,"end":1449.165,"confidence":0.99989974,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3655766546726227},{"word":"through","start":1449.165,"end":1449.325,"confidence":0.9999119,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.4300117790699005},{"word":"that","start":1449.325,"end":1449.565,"confidence":0.99978405,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4702702462673187},{"word":"advice","start":1449.565,"end":1449.965,"confidence":0.99085134,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.377302348613739},{"word":"document","start":1449.965,"end":1450.465,"confidence":0.99960077,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.2851114869117737},{"word":"awesome","start":1453.66,"end":1454.14,"confidence":0.97003424,"punctuated_word":"Awesome,","sentiment":"positive","sentiment_score":0.7705795764923096},{"word":"kim","start":1454.14,"end":1454.64,"confidence":0.93267095,"punctuated_word":"Kim.","sentiment":"positive","sentiment_score":0.8068218231201172},{"word":"thank","start":1455.26,"end":1455.42,"confidence":0.99520373,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7785947322845459},{"word":"you","start":1455.42,"end":1455.58,"confidence":0.9993631,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8348557353019714},{"word":"for","start":1455.58,"end":1455.82,"confidence":0.99980384,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8421128392219543},{"word":"your","start":1455.82,"end":1455.98,"confidence":0.9995283,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8392327427864075},{"word":"time","start":1455.98,"end":1456.14,"confidence":0.99996376,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8896796703338623},{"word":"this","start":1456.14,"end":1456.3,"confidence":0.999821,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.85985267162323},{"word":"morning","start":1456.3,"end":1456.54,"confidence":0.99910915,"punctuated_word":"morning.","sentiment":"positive","sentiment_score":0.8485621213912964},{"word":"you","start":1456.54,"end":1456.62,"confidence":0.9870408,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.8430658578872681},{"word":"have","start":1456.62,"end":1456.78,"confidence":0.99916863,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.8361586332321167},{"word":"a","start":1456.78,"end":1456.94,"confidence":0.9994642,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.815324604511261},{"word":"fantastic","start":1456.94,"end":1457.44,"confidence":0.9999447,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.849938154220581},{"word":"day","start":1457.5,"end":1458.0,"confidence":0.9998299,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.8409595489501953},{"word":"thank","start":1460.14,"end":1460.38,"confidence":0.99588686,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5665952563285828},{"word":"you","start":1460.38,"end":1460.7,"confidence":0.9998153,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6243730783462524},{"word":"bye","start":1460.7,"end":1461.2,"confidence":0.9979484,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.08879131823778152}],"paragraphs":{"transcript":"\nGood morning, Kim. It's Tommy here, senior adviser from Oakview Financial. How are you doing today? I'm doing fantastic. Thank you for asking.\n\nI just wanted to start by just letting you know that Veronica was scheduled to give you a call this morning, and she's ill today. So I wanted to jump in and assist you. Perfect. Usual process. Just wanted to make sure you're okay for this call to be recorded.\n\nPerfect. And do you recall, for security purposes, your client password? That's the one. Thank you so much for that, Kim. Appreciate it.\n\nI've just been going through the notes this morning before this call, and I wanted to basically have a chat to you about two things, your beneficiaries and the portfolio for your Hub 20 four super. Is that kind of the two main things that you wanted to talk about? Perfect. Perfect. So I'll start with the nice and easy one with the beneficiaries, if that's okay.\n\nSeems like you're trying to do a little bit of a split between the family to make sure the kids are looked after, that kind of thing. Is that right? Awesome. So one of the things I wanted to check with you, there's a couple of ideas on how you can do this because I'm just having a look at the notes now. Let me just make sure I've got this one right.\n\nWe've got Logan and Tyson, and you wanna kind of get them a little bit of a split of, like, the super funds, life insurance, and so on. Yeah. Yes. Yeah. Yeah.\n\nOkay. There is definitely a way to do that. So when it comes to, like, minor children, for example, would your brother be the person who would eventually be their guardian, would you say? Perfect. So let's say, just for example, you were to split fifty fifty between the two children.\n\nRight? The 50% for your youngest would essentially be controlled by whoever their guardian is on their behalf. K? Now when it comes to beneficiary nominations, they've got these CISACT restrictions on who can be a valid beneficiary. So most of the time, it's basically a partner or a child or someone that you've got, like, a financial dependency relationship with.\n\nLike, you know, you're looking after your parents and they live with you, that kind of thing. K. But there is a way to do it. Do you currently have I'm just looking through your fact finding your your financial details. Do you currently have, like, a will in place by any chance?\n\nYep. So one of the things that you can do, and this is really cool, is when you go to set up a will, you can put in place something called a testamentary trust will. And what it basically does is, like, let's say, when you pass away, that will will create a trust fund. And what you can do is you can put, like, a superannuation in there, your cash, your life insurance, and so on, and you can then distribute out, okay. I want this to be given out as an income to the kids until they're 18 or 25, and then they get full ownership over the funds.\n\nSo that's kind of like a structure that you've gotta put in place where you just put in place this one will. You can nominate the beneficiaries for your super to go to your estate, which then gets controlled by the will. It's called an LPR nomination. It just sends it to your estate. K?\n\nSo I just wanted to broach that with you because there's kind of two options here. You can kind of just directly nominate the children, and then that's how the funds would be kind of allocated and whoever looks after your youngest would control the funds, or you could aim it towards a will and set up, like, a a triggering trust fund. Yes. Yeah. Yep.\n\nExactly. Yeah. So that's exactly what I'm worried about because that happens a lot where money is left to children that are under the age of 18, and then everybody comes out of the woodworks, and whoever ends up getting, like, custody gets control over your funds. And that's exactly why we do things like a testamentary trust. So you've gotta essentially do it in two steps.\n\nRight? Like, we can't submit a beneficiary to the Superfund with your brother nominated. That would be in invalid. So the first step would be to, like, split it between the kids so it's at least it's in place. Because let's say we did that nomination to your estate.\n\nIf you don't actually set up that will, then all of your super and life insurance and all this goes to your name, and it just kinda sits there, and then everyone goes to court to try and, you know, fight over who can can get it because there's no will to say what happens to it. So what I'm saying is we basically do a two step process is you can kind of split it between the kits. And then as soon as you got that will in place, we switch it to a LPR nomination so that it can be looked after that way. We can do the LPR nomination now, but that's the risk is that it's being aimed at your estate without a will. So if you're telling me I'll get that done this year, that's okay.\n\nIf it may take a few years and a few reminders to do, I don't wanna kind of put something in place that's gonna leave you in limbo lane. Well, there's a few options. So you can actually go to, like, the the post office has will kits for $25. Outside of that, you've obviously got lawyers, which they're not too expensive for a simple will. And then you've also got, like, a public trustee for every state.\n\nYou know, like, when you go to, like, a courthouse and and things like that, they have public trustees that do wills and powers of attorney and things like that similar to a solicitor. So there's a few options there. There's, you know, cheap will kit can get your basic one. I would go to maybe, like, call up the the Google, the public trustee for your state and give them a call and see how much that would cost, whether it's, you know, $200 or something like that, see what it's like. We we don't have any kind of lawyers to recommend you to.\n\nThere is, I think, one that possibly could, but I'm not sure if they kind of service nationwide. That's all. Yep. Yeah. So what I'm thinking is, like, if you do get it sorted relatively soon, we can do that nomination I'm thinking of.\n\nBut I don't wanna put it in place now, and then it's three years down the line and there's no will and then limbo land. So it's really gauging up to you. Do you are you okay to do an interim nomination now and then fix it up once your will is in place, or you just wanna do that skip ahead? Yep. No.\n\nYou don't have to do that. You just have to give us a call to let us know that you've done that and to just ask about your beneficiaries, and then we can put in place that, you know, redo the forms with you. And even now, like, I'm googling, you're in Queensland in Kirwan, aren't you? Yep. So when I Google Queensland public trustee, like, the fourth link down, that all the links just show QPT, and, like, the fourth one down, which we said, out will service, and there's, like, a phone number there.\n\nBook an appointment, different physical locations you can go to, all that kind of thing. Cool. So I'll put in to do the the fifty fifty split for the time being and some notes that we're gonna look for the testamentary trust will. And alright. So that's all good.\n\nAlright. So the next thing, I'll put some notes in file for that. We'll send you out the forms, get that organized. Just with the the superannuation, so the returns of the Hub twenty four, I've been looking through your portfolio. Have you had a chance to, like, log in to your Hub twenty four much?\n\nNo. That's okay. So whenever we do these, like, reviews of investments and performance, I do a little bit of a short and long term look where I go, okay. How's it going for the last twelve months? How's it going for five years?\n\nIs it kind of tracking well? That kind of thing. So you're in just to give you a bit of a recap. So you're in, like, a growth portfolio. So that's, like, a four out of five on the risk scale, 80% of your money in shares and property.\n\nSo you're still focused on trying to grow your super at this point. You're not high risk, but you're kind of the one below that, if that makes sense. Yep. Now when you're in growth, you're aiming for an average return of about eight or 9%. Like, it'll go up ten, fifteen, 20% a year, may go down once every seven years when there's a, you know, global financial crisis, COVID, World War three, whatever it is.\n\nBut you wanna average out as close to 10% as you can. Does that make sense? Now when I yes. So the last twelve months, one percent. And, obviously, markets have been a bit choppy, but it should have been a little bit higher than one.\n\nI would have expected it to do around about six or seven given what's happened in the last twelve months. K. So when I look at this long term, it's it's still been hitting about nine and a half percent for the last five years, which is good, but there's a couple of red flags that I can see on your account. Now with the portfolio that we've put together for you, we've got about eight options that are in there, and they make up your super. You know, some's in gold, some of them's in shares, some of them's in cash, some of them's in property.\n\nDoes that make sense? Yeah. Yep. Now out of all the eight options, six of them are doing fantastic. Your your gold is up 60%.\n\nIt's like it's been a ridiculous year. But your Australian shares, like the ones that invest in, like, your Commonwealth Bank and your Rio Tinto and all of the companies in this country, that's sort of underperformed the Aussie market and the other Australian funds that are out there. Normally, if it underperforms for a year, that's not really that big of a deal because it averages out, but this particular option has kind of been sort of under skirting for two years. So that's my my pinpoint to say, I'm gonna have to look at replacing this spend along option that you have. The rest of them are looking good, but that one in particular is kind of weighing you down a little bit.\n\nK? So I would actually recommend, like, if you're comfortable with just still growing your super as it has been and and still aiming for those average returns that we're looking for, I would at least switch a few options around. I wouldn't increase your risk or anything like that or put more money in, just kind of switch some options around for you. Yep. And we already have a few in mind.\n\nLike, I've been talking to our investment committee about some options in that Australian space because I've noticed a little bit this year since we've come back from Christmas. I do just have to ask you one question. There's no right or wrong answer for this. It's really just about that feeling because I can pick a good one either way. And the question is, if you could choose between, like, the lowest fees or paying higher investment fees to try and get a higher return, which way do you lean personally?\n\nWell, your that Benelon option that I'm looking at replacing, that's in an active space, which is that kind of high fees to get the high returns, but it hasn't actually done that, if that makes sense. So what I'm saying is I can keep it in the same style and replace it like for like with another active option that has actually done that. Yes. And slightly lower fees, similar, slightly slightly more affordable, but it's actually done really well over one, three, five, and ten years, and it would just be a straight upgrade and sidestep for you. Yep.\n\nAnd what it is, like, we we always do a bit of a blend. Like, you do have a mix of low fee options and and the active options. That's kind of our view philosophy is having, like, we call it a current satellite. You've got your steady ship in the middle and a few sled dogs that pull you along a little bit quicker. K?\n\nSo all I'm saying is if there's no major issue where you're like, look, I wanna completely overhaul everything and go completely different style, then I can just fix it up a little bit, and you should be right. Perfect. And the only other one that I've noted yeah. And some of our portfolios have been doing that sort of 12 to 14, especially given what's been happening recently. So I wanna try and just get it up there.\n\nWhen I mentioned that benchmark of eight to nine, it's just the average for your risk level. That's not to say that we're not aiming for ten, twelve, fourteen, sixteen. It just means that you need that eight to nine to be on track for retirement. Cool. And the other strange thing that I've noticed, this is kind of the first time I've seen this, is you have some American shares, which the American shares have done really well the last twelve months.\n\nThey're up, like, 16%. But this option that you've got, they've put it in, like, US dollars. And I don't know if you've seen recently, it's very strange, but the US dollar has gone kind of down given what Trump's been up to compared to the Australian dollar. So it's actually messed with your performance on that one option just because it's in a different currency. So what I'm gonna do is I'm just gonna have a talk to the investment committee about whether we can kind of we call it hedging, and it switches the currency around.\n\nA little bit of a trick under the hood for you. But at the very least, we'll get that Benelon switched out with somebody better. Cool. Now while I do this, when we do these changes, we put it in a statement of advice again just to give you an update on, like, here in writing, this is your new portfolio we're recommending and why, and then you can kind of read off and sign if you're comfortable. So, Kim, the last thing I wanna do just before I let you go is when I put this statement of advice together, I just wanna make sure you haven't had any major changes in the details.\n\nCool. So I'm just gonna power through these real quick. Just let me know if anything's changed. Alright. So phone number's still the same.\n\nYour Outlook address, Kim dot Brooks, is still current. Yep. Marital status, still single. The two boys. We've got occupation wise technical officer for the Townsville City Council.\n\nPerfect. Around about 80,500 per year in income, would you say? Yep. Perfect. That's your base.\n\nOkay. And then do you do, like, a bit of overtime that kind of pulls you above that a little bit? Cool. So base salary is there and maybe close to 100,000 for the overall. Perfect.\n\nYou're still in Laguna Avenue address wise? Cool. We've got the Toyota Hilux was your main asset valued at around 45,000. Do you have any other new assets or loans or anything? Credit cards, personal loans?\n\nPerfect. Was there a note here that you were looking to save to purchase a property? Yep. Cool. Have you got a bit of, like, a set savings per week that you're aiming for this year?\n\nOkay. Yeah. Yep. That's what we always run into. Even my my mate, he's been earning about a $100 for years doing, like, security work where he's working sixty hour weeks, and he had nothing to show for for about six years.\n\nAnd I said, Jack, just set up a different bank account at this point because you just you you you keep touching it. And he he started sending money to his mom, and he also started sending money to a separate, like, bank where he doesn't have a card. And he's been able to build up about $15 now, so he's also saving for his first house. Anything you need to do, you know, just to make sure that you're you're rolling on and actually getting to where you wanna go. Yeah.\n\nYeah. Yeah. It's too tempting and easy. You click a couple of buttons and it's gone. Yep.\n\nYeah. Absolutely. So I'll put that down as some of the goals that we're trying to aim for 40,000 over the next two years, and we'll just kind of when we do our reviews with you, we'll touch base and see how you're going. Do you have a little bit scroll to land savings at the moment that I can note down in your assets? Perfect.\n\nTo start, always nice to have a little bit of emergency fund too. Last couple of details, we've got you've still never gone through, like, bankruptcy or debt agreements before. Alright. Cool. And we're looking at putting place, like, the will and the power of attorney potentially.\n\nAnd health wise still smoking at the moment? Oh, nice. Fantastic. So just to let you know, like, whenever you're 12 nicotine free, you get, like, a nonsmoker status when it comes to, like, insurances and things like that. So we'll just keep that in mind so that when we can tag you as twelve months free, then we'll know whether we need to update anything.\n\nCool. That's pretty much everything that I needed. Is there anything else that you would like to mix in with this advice that we're doing? Yep. Awesome.\n\nSo I won't look at anything to do with, like, insurances and investments and things like that. I guess your priority at the moment is just get the super back on track, make sure your beneficiaries and will are sorted, and saving for that house. Awesome. So what I'll do is I'll go away and put together a little bit of research about the super. I'll let Veronica know what we're doing as well just so she's aware.\n\nAnd sometime over the fortnight, the team will give you a buzz just to get you booked in to go through that advice document. Awesome, Kim. Thank you for your time this morning. You have a fantastic day. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Kim.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.3311731119950612},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":3.36,"end":6.0,"sentiment":"neutral","sentiment_score":0.2067569475620985},{"text":"How are you doing today?","start":6.0,"end":6.98,"sentiment":"neutral","sentiment_score":0.23835407197475433},{"text":"I'm doing fantastic.","start":8.96,"end":10.0199995,"sentiment":"positive","sentiment_score":0.7435859243075053},{"text":"Thank you for asking.","start":10.08,"end":11.12,"sentiment":"positive","sentiment_score":0.7147779166698456}],"sentiment":"positive","sentiment_score":0.38822672678076703,"num_words":23,"start":2.56,"end":11.12},{"sentences":[{"text":"I just wanted to start by just letting you know that Veronica was scheduled to give you a call this morning, and she's ill today.","start":11.12,"end":18.335001,"sentiment":"neutral","sentiment_score":0.04481135122478008},{"text":"So I wanted to jump in and assist you.","start":18.335001,"end":20.675,"sentiment":"neutral","sentiment_score":0.03432768790258302},{"text":"Perfect.","start":23.295,"end":23.795,"sentiment":"positive","sentiment_score":0.34402918815612793},{"text":"Usual process.","start":23.855,"end":24.655,"sentiment":"neutral","sentiment_score":0.1911313533782959},{"text":"Just wanted to make sure you're okay for this call to be recorded.","start":24.655,"end":27.154999,"sentiment":"neutral","sentiment_score":0.12582724598737863}],"sentiment":"neutral","sentiment_score":0.07582558128982782,"num_words":50,"start":11.12,"end":27.154999},{"sentences":[{"text":"Perfect.","start":28.84,"end":29.32,"sentiment":"neutral","sentiment_score":0.21004676818847656},{"text":"And do you recall, for security purposes, your client password?","start":29.32,"end":32.7,"sentiment":"neutral","sentiment_score":0.03759938012808561},{"text":"That's the one.","start":37.559998,"end":38.36,"sentiment":"neutral","sentiment_score":0.10004535814126332},{"text":"Thank you so much for that, Kim.","start":38.36,"end":40.04,"sentiment":"positive","sentiment_score":0.6491678782871791},{"text":"Appreciate it.","start":40.04,"end":41.1,"sentiment":"positive","sentiment_score":0.6181011497974396}],"sentiment":"neutral","sentiment_score":0.2898501778912285,"num_words":23,"start":28.84,"end":41.1},{"sentences":[{"text":"I've just been going through the notes this morning before this call, and I wanted to basically have a chat to you about two things, your beneficiaries and the portfolio for your Hub 20 four super.","start":41.535,"end":53.375,"sentiment":"neutral","sentiment_score":0.09969047218975094},{"text":"Is that kind of the two main things that you wanted to talk about?","start":53.375,"end":55.98,"sentiment":"neutral","sentiment_score":0.056192701416356225},{"text":"Perfect.","start":58.62,"end":59.02,"sentiment":"neutral","sentiment_score":0.303099125623703},{"text":"Perfect.","start":59.02,"end":59.26,"sentiment":"neutral","sentiment_score":0.2887459993362427},{"text":"So I'll start with the nice and easy one with the beneficiaries, if that's okay.","start":59.26,"end":62.879997,"sentiment":"neutral","sentiment_score":0.20353946487108868}],"sentiment":"neutral","sentiment_score":0.11970883457740741,"num_words":67,"start":41.535,"end":62.879997},{"sentences":[{"text":"Seems like you're trying to do a little bit of a split between the family to make sure the kids are looked after, that kind of thing.","start":64.06,"end":70.14,"sentiment":"neutral","sentiment_score":0.10224904713255388},{"text":"Is that right?","start":70.14,"end":70.935,"sentiment":"neutral","sentiment_score":0.0837019681930542},{"text":"Awesome.","start":73.015,"end":73.515,"sentiment":"neutral","sentiment_score":0.2703648805618286},{"text":"So one of the things I wanted to check with you, there's a couple of ideas on how you can do this because I'm just having a look at the notes now.","start":73.575,"end":79.015,"sentiment":"neutral","sentiment_score":0.11435738089494407},{"text":"Let me just make sure I've got this one right.","start":79.015,"end":81.595,"sentiment":"neutral","sentiment_score":0.052859341353178026}],"sentiment":"neutral","sentiment_score":0.10233184465602653,"num_words":73,"start":64.06,"end":81.595},{"sentences":[{"text":"We've got Logan and Tyson, and you wanna kind of get them a little bit of a split of, like, the super funds, life insurance, and so on.","start":81.895,"end":90.13,"sentiment":"neutral","sentiment_score":0.0680163170077971},{"text":"Yeah.","start":92.11,"end":92.61,"sentiment":"neutral","sentiment_score":0.013179250992834568},{"text":"Yes.","start":100.685,"end":101.185,"sentiment":"neutral","sentiment_score":0.019545026123523712},{"text":"Yeah.","start":125.274994,"end":125.59499,"sentiment":"neutral","sentiment_score":0.11895474791526794},{"text":"Yeah.","start":125.59499,"end":125.994995,"sentiment":"neutral","sentiment_score":0.16556674242019653}],"sentiment":"neutral","sentiment_score":0.06942820761469193,"num_words":32,"start":81.895,"end":125.994995},{"sentences":[{"text":"Okay.","start":125.994995,"end":126.494995,"sentiment":"neutral","sentiment_score":0.305725634098053},{"text":"There is definitely a way to do that.","start":126.954994,"end":129.135,"sentiment":"positive","sentiment_score":0.46537846326828003},{"text":"So when it comes to, like, minor children, for example, would your brother be the person who would eventually be their guardian, would you say?","start":129.19499,"end":137.93,"sentiment":"neutral","sentiment_score":0.12967295855283736},{"text":"Perfect.","start":139.59,"end":140.06999,"sentiment":"positive","sentiment_score":0.6764299273490906},{"text":"So let's say, just for example, you were to split fifty fifty between the two children.","start":140.06999,"end":145.67,"sentiment":"neutral","sentiment_score":0.1341252368874848}],"sentiment":"neutral","sentiment_score":0.19790217689439363,"num_words":51,"start":125.994995,"end":145.67},{"sentences":[{"text":"Right?","start":145.67,"end":146.17,"sentiment":"neutral","sentiment_score":0.15123285353183746},{"text":"The 50% for your youngest would essentially be controlled by whoever their guardian is on their behalf.","start":147.03,"end":154.255,"sentiment":"neutral","sentiment_score":0.04744298098718419},{"text":"K?","start":155.195,"end":155.695,"sentiment":"neutral","sentiment_score":0.03358595818281174},{"text":"Now when it comes to beneficiary nominations, they've got these CISACT restrictions on who can be a valid beneficiary.","start":156.395,"end":163.85501,"sentiment":"neutral","sentiment_score":-0.022716729264510304},{"text":"So most of the time, it's basically a partner or a child or someone that you've got, like, a financial dependency relationship with.","start":164.46,"end":173.82,"sentiment":"neutral","sentiment_score":-0.001778299150907475}],"sentiment":"neutral","sentiment_score":0.008505422163937912,"num_words":61,"start":145.67,"end":173.82},{"sentences":[{"text":"Like, you know, you're looking after your parents and they live with you, that kind of thing.","start":173.82,"end":177.885,"sentiment":"neutral","sentiment_score":-0.001369459883255117},{"text":"K.","start":178.845,"end":179.345,"sentiment":"neutral","sentiment_score":0.043879184871912},{"text":"But there is a way to do it.","start":179.485,"end":181.42499,"sentiment":"neutral","sentiment_score":0.06991387391462922},{"text":"Do you currently have I'm just looking through your fact finding your your financial details.","start":182.44499,"end":186.625,"sentiment":"neutral","sentiment_score":0.005568057174483935},{"text":"Do you currently have, like, a will in place by any chance?","start":186.685,"end":189.345,"sentiment":"neutral","sentiment_score":-0.012450457395364841}],"sentiment":"neutral","sentiment_score":0.009698579755594145,"num_words":53,"start":173.82,"end":189.345},{"sentences":[{"text":"Yep.","start":192.78,"end":193.18,"sentiment":"neutral","sentiment_score":0.09442687034606934},{"text":"So one of the things that you can do, and this is really cool, is when you go to set up a will, you can put in place something called a testamentary trust will.","start":193.18,"end":201.59999,"sentiment":"neutral","sentiment_score":0.22633536861223333},{"text":"And what it basically does is, like, let's say, when you pass away, that will will create a trust fund.","start":201.73999,"end":207.985,"sentiment":"neutral","sentiment_score":0.1197534766048193},{"text":"And what you can do is you can put, like, a superannuation in there, your cash, your life insurance, and so on, and you can then distribute out, okay.","start":208.205,"end":217.165,"sentiment":"neutral","sentiment_score":0.17171521587618466},{"text":"I want this to be given out as an income to the kids until they're 18 or 25, and then they get full ownership over the funds.","start":217.165,"end":225.21,"sentiment":"neutral","sentiment_score":0.21092252571273734}],"sentiment":"neutral","sentiment_score":0.18792385936857345,"num_words":111,"start":192.78,"end":225.21},{"sentences":[{"text":"So that's kind of like a structure that you've gotta put in place where you just put in place this one will.","start":227.03,"end":231.77,"sentiment":"neutral","sentiment_score":0.12848351006819445},{"text":"You can nominate the beneficiaries for your super to go to your estate, which then gets controlled by the will.","start":232.10501,"end":238.02501,"sentiment":"neutral","sentiment_score":0.29598360806703566},{"text":"It's called an LPR nomination.","start":238.02501,"end":240.365,"sentiment":"neutral","sentiment_score":0.27999009788036344},{"text":"It just sends it to your estate.","start":240.66501,"end":242.445,"sentiment":"neutral","sentiment_score":0.24478362713541305},{"text":"K?","start":244.12001,"end":244.44,"sentiment":"neutral","sentiment_score":0.11525361239910126}],"sentiment":"neutral","sentiment_score":0.2177272522652691,"num_words":55,"start":227.03,"end":244.44},{"sentences":[{"text":"So I just wanted to broach that with you because there's kind of two options here.","start":244.44,"end":247.08,"sentiment":"neutral","sentiment_score":0.2812672518193722},{"text":"You can kind of just directly nominate the children, and then that's how the funds would be kind of allocated and whoever looks after your youngest would control the funds, or you could aim it towards a will and set up, like, a a triggering trust fund.","start":247.08,"end":260.725,"sentiment":"neutral","sentiment_score":0.2500458515070854},{"text":"Yes.","start":278.5,"end":279.0,"sentiment":"neutral","sentiment_score":-0.10467308014631271},{"text":"Yeah.","start":294.53,"end":294.84998,"sentiment":"neutral","sentiment_score":-0.042699821293354034},{"text":"Yep.","start":294.84998,"end":295.34998,"sentiment":"neutral","sentiment_score":-0.032847777009010315}],"sentiment":"neutral","sentiment_score":0.24351833896203476,"num_words":66,"start":244.44,"end":295.34998},{"sentences":[{"text":"Exactly.","start":301.81,"end":302.31,"sentiment":"neutral","sentiment_score":-0.07364892214536667},{"text":"Yeah.","start":334.175,"end":334.575,"sentiment":"neutral","sentiment_score":-0.1811372935771942},{"text":"So that's exactly what I'm worried about because that happens a lot where money is left to children that are under the age of 18, and then everybody comes out of the woodworks, and whoever ends up getting, like, custody gets control over your funds.","start":334.575,"end":348.4,"sentiment":"neutral","sentiment_score":-0.17645879429247643},{"text":"And that's exactly why we do things like a testamentary trust.","start":348.53998,"end":352.8,"sentiment":"neutral","sentiment_score":0.17710746215148407},{"text":"So you've gotta essentially do it in two steps.","start":354.75497,"end":356.995,"sentiment":"neutral","sentiment_score":-0.009109459403488371}],"sentiment":"neutral","sentiment_score":-0.09446619417685181,"num_words":67,"start":301.81,"end":356.995},{"sentences":[{"text":"Right?","start":356.995,"end":357.235,"sentiment":"neutral","sentiment_score":0.0030685868114233017},{"text":"Like, we can't submit a beneficiary to the Superfund with your brother nominated.","start":357.235,"end":361.655,"sentiment":"neutral","sentiment_score":-0.11938978760288312},{"text":"That would be in invalid.","start":361.955,"end":363.495,"sentiment":"negative","sentiment_score":-0.3652902662754059},{"text":"So the first step would be to, like, split it between the kids so it's at least it's in place.","start":364.115,"end":369.01498,"sentiment":"neutral","sentiment_score":0.06220133565366268},{"text":"Because let's say we did that nomination to your estate.","start":370.41,"end":373.28998,"sentiment":"neutral","sentiment_score":0.08022215738892555}],"sentiment":"neutral","sentiment_score":-0.027126565233481174,"num_words":49,"start":356.995,"end":373.28998},{"sentences":[{"text":"If you don't actually set up that will, then all of your super and life insurance and all this goes to your name, and it just kinda sits there, and then everyone goes to court to try and, you know, fight over who can can get it because there's no will to say what happens to it.","start":373.28998,"end":388.465,"sentiment":"neutral","sentiment_score":-0.11799373690104276},{"text":"So what I'm saying is we basically do a two step process is you can kind of split it between the kits.","start":390.445,"end":395.805,"sentiment":"neutral","sentiment_score":0.04807745995507999},{"text":"And then as soon as you got that will in place, we switch it to a LPR nomination so that it can be looked after that way.","start":395.805,"end":405.67,"sentiment":"neutral","sentiment_score":0.0004717328896125163},{"text":"We can do the LPR nomination now, but that's the risk is that it's being aimed at your estate without a will.","start":405.67,"end":411.19,"sentiment":"neutral","sentiment_score":-0.30345300923694263},{"text":"So if you're telling me I'll get that done this year, that's okay.","start":411.19,"end":414.755,"sentiment":"neutral","sentiment_score":-0.16187933488534048}],"sentiment":"neutral","sentiment_score":-0.10238013938333548,"num_words":141,"start":373.28998,"end":414.755},{"sentences":[{"text":"If it may take a few years and a few reminders to do, I don't wanna kind of put something in place that's gonna leave you in limbo lane.","start":414.975,"end":422.195,"sentiment":"negative","sentiment_score":-0.36258867999603006},{"text":"Well, there's a few options.","start":433.15,"end":435.15,"sentiment":"neutral","sentiment_score":0.07100950926542282},{"text":"So you can actually go to, like, the the post office has will kits for $25.","start":435.15,"end":440.21002,"sentiment":"neutral","sentiment_score":0.07734515215270221},{"text":"Outside of that, you've obviously got lawyers, which they're not too expensive for a simple will.","start":441.92502,"end":446.58502,"sentiment":"neutral","sentiment_score":0.04205485538113862},{"text":"And then you've also got, like, a public trustee for every state.","start":446.725,"end":450.725,"sentiment":"neutral","sentiment_score":0.10525973203281562}],"sentiment":"neutral","sentiment_score":-0.08957060600798099,"num_words":78,"start":414.975,"end":450.725},{"sentences":[{"text":"You know, like, when you go to, like, a courthouse and and things like that, they have public trustees that do wills and powers of attorney and things like that similar to a solicitor.","start":450.725,"end":460.12,"sentiment":"neutral","sentiment_score":0.06610983451280524},{"text":"So there's a few options there.","start":462.02,"end":463.53998,"sentiment":"neutral","sentiment_score":0.11113196735580762},{"text":"There's, you know, cheap will kit can get your basic one.","start":463.53998,"end":466.36,"sentiment":"neutral","sentiment_score":0.1384139440276406},{"text":"I would go to maybe, like, call up the the Google, the public trustee for your state and give them a call and see how much that would cost, whether it's, you know, $200 or something like that, see what it's like.","start":466.41998,"end":476.76498,"sentiment":"neutral","sentiment_score":0.08884971908160619},{"text":"We we don't have any kind of lawyers to recommend you to.","start":483.19,"end":487.43,"sentiment":"negative","sentiment_score":-0.39934374143679935}],"sentiment":"neutral","sentiment_score":0.03215850348628703,"num_words":105,"start":450.725,"end":487.43},{"sentences":[{"text":"There is, I think, one that possibly could, but I'm not sure if they kind of service nationwide.","start":487.43,"end":492.97,"sentiment":"neutral","sentiment_score":-0.13892182976835304},{"text":"That's all.","start":493.11002,"end":493.785,"sentiment":"neutral","sentiment_score":-0.11489292979240417},{"text":"Yep.","start":503.945,"end":504.185,"sentiment":"neutral","sentiment_score":-0.01171300932765007},{"text":"Yeah.","start":504.185,"end":504.505,"sentiment":"neutral","sentiment_score":-0.01525966264307499},{"text":"So what I'm thinking is, like, if you do get it sorted relatively soon, we can do that nomination I'm thinking of.","start":504.505,"end":510.66,"sentiment":"neutral","sentiment_score":-0.02072638942098076}],"sentiment":"neutral","sentiment_score":-0.07303027351471511,"num_words":44,"start":487.43,"end":510.66},{"sentences":[{"text":"But I don't wanna put it in place now, and then it's three years down the line and there's no will and then limbo land.","start":510.66,"end":516.98,"sentiment":"negative","sentiment_score":-0.34125414073467253},{"text":"So it's really gauging up to you.","start":516.98,"end":518.84,"sentiment":"neutral","sentiment_score":-0.21721398404666356},{"text":"Do you are you okay to do an interim nomination now and then fix it up once your will is in place, or you just wanna do that skip ahead?","start":518.9,"end":526.77496,"sentiment":"neutral","sentiment_score":-0.025370936716596286},{"text":"Yep.","start":536.93,"end":537.43,"sentiment":"neutral","sentiment_score":-0.05012337863445282},{"text":"No.","start":556.865,"end":557.105,"sentiment":"neutral","sentiment_score":-0.032039158046245575}],"sentiment":"neutral","sentiment_score":-0.1702365944511257,"num_words":64,"start":510.66,"end":557.105},{"sentences":[{"text":"You don't have to do that.","start":557.105,"end":558.065,"sentiment":"neutral","sentiment_score":-0.046271856874227524},{"text":"You just have to give us a call to let us know that you've done that and to just ask about your beneficiaries, and then we can put in place that, you know, redo the forms with you.","start":558.065,"end":569.26,"sentiment":"neutral","sentiment_score":0.03725969458096906},{"text":"And even now, like, I'm googling, you're in Queensland in Kirwan, aren't you?","start":571.72,"end":575.98,"sentiment":"neutral","sentiment_score":0.028168022990799867},{"text":"Yep.","start":576.925,"end":577.245,"sentiment":"neutral","sentiment_score":0.05428022146224976},{"text":"So when I Google Queensland public trustee, like, the fourth link down, that all the links just show QPT, and, like, the fourth one down, which we said, out will service, and there's, like, a phone number there.","start":577.245,"end":588.52496,"sentiment":"neutral","sentiment_score":0.04952628773293997}],"sentiment":"neutral","sentiment_score":0.035840632364852354,"num_words":96,"start":557.105,"end":588.52496},{"sentences":[{"text":"Book an appointment, different physical locations you can go to, all that kind of thing.","start":588.52496,"end":594.0,"sentiment":"neutral","sentiment_score":0.04307675262292226},{"text":"Cool.","start":597.5,"end":597.98,"sentiment":"positive","sentiment_score":0.4573529362678528},{"text":"So I'll put in to do the the fifty fifty split for the time being and some notes that we're gonna look for the testamentary trust will.","start":597.98,"end":606.675,"sentiment":"neutral","sentiment_score":0.21063319455694268},{"text":"And alright.","start":609.295,"end":610.815,"sentiment":"neutral","sentiment_score":0.3048561215400696},{"text":"So that's all good.","start":610.815,"end":612.115,"sentiment":"positive","sentiment_score":0.5007351711392403}],"sentiment":"neutral","sentiment_score":0.1919031307405355,"num_words":49,"start":588.52496,"end":612.115},{"sentences":[{"text":"Alright.","start":612.415,"end":612.735,"sentiment":"neutral","sentiment_score":0.26660606265068054},{"text":"So the next thing, I'll put some notes in file for that.","start":612.735,"end":615.375,"sentiment":"neutral","sentiment_score":0.20033794889847437},{"text":"We'll send you out the forms, get that organized.","start":615.375,"end":617.71497,"sentiment":"neutral","sentiment_score":0.21112072467803955},{"text":"Just with the the superannuation, so the returns of the Hub twenty four, I've been looking through your portfolio.","start":618.415,"end":625.58997,"sentiment":"neutral","sentiment_score":0.0888246340971244},{"text":"Have you had a chance to, like, log in to your Hub twenty four much?","start":626.21,"end":629.83,"sentiment":"neutral","sentiment_score":0.04611848642428716}],"sentiment":"neutral","sentiment_score":0.12411059492400714,"num_words":56,"start":612.415,"end":629.83},{"sentences":[{"text":"No.","start":632.545,"end":632.78503,"sentiment":"neutral","sentiment_score":-0.06851167976856232},{"text":"That's okay.","start":632.78503,"end":633.445,"sentiment":"neutral","sentiment_score":0.020276108756661415},{"text":"So whenever we do these, like, reviews of investments and performance, I do a little bit of a short and long term look where I go, okay.","start":635.425,"end":643.425,"sentiment":"neutral","sentiment_score":0.12773809802752953},{"text":"How's it going for the last twelve months?","start":643.425,"end":644.945,"sentiment":"neutral","sentiment_score":0.08307174686342478},{"text":"How's it going for five years?","start":644.945,"end":646.565,"sentiment":"neutral","sentiment_score":0.1386997513473034}],"sentiment":"neutral","sentiment_score":0.11176685607907447,"num_words":44,"start":632.545,"end":646.565},{"sentences":[{"text":"Is it kind of tracking well?","start":646.67004,"end":648.11005,"sentiment":"neutral","sentiment_score":0.060556491216023765},{"text":"That kind of thing.","start":648.11005,"end":649.17004,"sentiment":"neutral","sentiment_score":0.041131699457764626},{"text":"So you're in just to give you a bit of a recap.","start":650.43005,"end":652.75,"sentiment":"neutral","sentiment_score":0.11310914903879166},{"text":"So you're in, like, a growth portfolio.","start":652.75,"end":654.45,"sentiment":"neutral","sentiment_score":0.10317102606807436},{"text":"So that's, like, a four out of five on the risk scale, 80% of your money in shares and property.","start":655.47003,"end":660.75,"sentiment":"neutral","sentiment_score":0.11375700086355209}],"sentiment":"neutral","sentiment_score":0.09964311700694416,"num_words":49,"start":646.67004,"end":660.75},{"sentences":[{"text":"So you're still focused on trying to grow your super at this point.","start":660.75,"end":663.89496,"sentiment":"neutral","sentiment_score":0.21809717210439536},{"text":"You're not high risk, but you're kind of the one below that, if that makes sense.","start":664.915,"end":668.77496,"sentiment":"neutral","sentiment_score":0.0194587015430443},{"text":"Yep.","start":669.95496,"end":670.435,"sentiment":"neutral","sentiment_score":0.20794235169887543},{"text":"Now when you're in growth, you're aiming for an average return of about eight or 9%.","start":670.435,"end":675.495,"sentiment":"neutral","sentiment_score":0.21731885895133018},{"text":"Like, it'll go up ten, fifteen, 20% a year, may go down once every seven years when there's a, you know, global financial crisis, COVID, World War three, whatever it is.","start":675.97003,"end":686.39,"sentiment":"neutral","sentiment_score":0.03269015084351263}],"sentiment":"neutral","sentiment_score":0.10188365237811556,"num_words":77,"start":660.75,"end":686.39},{"sentences":[{"text":"But you wanna average out as close to 10% as you can.","start":686.45,"end":690.085,"sentiment":"neutral","sentiment_score":0.09523608194043238},{"text":"Does that make sense?","start":690.085,"end":691.065,"sentiment":"neutral","sentiment_score":0.09842689521610737},{"text":"Now when I yes.","start":692.645,"end":696.805,"sentiment":"neutral","sentiment_score":0.020070843398571014},{"text":"So the last twelve months, one percent.","start":696.805,"end":698.885,"sentiment":"neutral","sentiment_score":0.01911119238606521},{"text":"And, obviously, markets have been a bit choppy, but it should have been a little bit higher than one.","start":698.885,"end":703.72,"sentiment":"neutral","sentiment_score":-0.045858891778870634}],"sentiment":"neutral","sentiment_score":0.019114855231474274,"num_words":46,"start":686.45,"end":703.72},{"sentences":[{"text":"I would have expected it to do around about six or seven given what's happened in the last twelve months.","start":703.72,"end":709.01996,"sentiment":"neutral","sentiment_score":-0.018914011027663945},{"text":"K.","start":710.12,"end":710.62,"sentiment":"neutral","sentiment_score":0.0033188527449965477},{"text":"So when I look at this long term, it's it's still been hitting about nine and a half percent for the last five years, which is good, but there's a couple of red flags that I can see on your account.","start":711.24,"end":721.445,"sentiment":"neutral","sentiment_score":-0.12304228571493452},{"text":"Now with the portfolio that we've put together for you, we've got about eight options that are in there, and they make up your super.","start":723.10504,"end":730.92004,"sentiment":"neutral","sentiment_score":0.03188312828540802},{"text":"You know, some's in gold, some of them's in shares, some of them's in cash, some of them's in property.","start":730.92004,"end":736.68005,"sentiment":"neutral","sentiment_score":0.016571566165657713}],"sentiment":"neutral","sentiment_score":-0.040104537866095726,"num_words":107,"start":703.72,"end":736.68005},{"sentences":[{"text":"Does that make sense?","start":736.68005,"end":737.66003,"sentiment":"neutral","sentiment_score":0.0524885356426239},{"text":"Yeah.","start":739.0,"end":739.08,"sentiment":"neutral","sentiment_score":0.23541733622550964},{"text":"Yep.","start":739.08,"end":739.58,"sentiment":"positive","sentiment_score":0.33688580989837646},{"text":"Now out of all the eight options, six of them are doing fantastic.","start":739.88,"end":743.18005,"sentiment":"positive","sentiment_score":0.4981839656829834},{"text":"Your your gold is up 60%.","start":744.005,"end":745.765,"sentiment":"positive","sentiment_score":0.43839793900648755}],"sentiment":"positive","sentiment_score":0.39556145906448364,"num_words":25,"start":736.68005,"end":745.765},{"sentences":[{"text":"It's like it's been a ridiculous year.","start":745.765,"end":748.02496,"sentiment":"positive","sentiment_score":0.5584781425339835},{"text":"But your Australian shares, like the ones that invest in, like, your Commonwealth Bank and your Rio Tinto and all of the companies in this country, that's sort of underperformed the Aussie market and the other Australian funds that are out there.","start":748.40497,"end":764.95996,"sentiment":"neutral","sentiment_score":0.06079335359945184},{"text":"Normally, if it underperforms for a year, that's not really that big of a deal because it averages out, but this particular option has kind of been sort of under skirting for two years.","start":766.93994,"end":776.805,"sentiment":"neutral","sentiment_score":-0.28711508192560253},{"text":"So that's my my pinpoint to say, I'm gonna have to look at replacing this spend along option that you have.","start":778.625,"end":784.38,"sentiment":"negative","sentiment_score":-0.43845121207691373},{"text":"The rest of them are looking good, but that one in particular is kind of weighing you down a little bit.","start":784.54,"end":789.04,"sentiment":"negative","sentiment_score":-0.5141545108386448}],"sentiment":"neutral","sentiment_score":-0.18643172094225882,"num_words":125,"start":745.765,"end":789.04},{"sentences":[{"text":"K?","start":791.18,"end":791.68,"sentiment":"neutral","sentiment_score":0.006403898820281029},{"text":"So I would actually recommend, like, if you're comfortable with just still growing your super as it has been and and still aiming for those average returns that we're looking for, I would at least switch a few options around.","start":791.74,"end":803.635,"sentiment":"neutral","sentiment_score":0.15246876925230027},{"text":"I wouldn't increase your risk or anything like that or put more money in, just kind of switch some options around for you.","start":803.635,"end":810.85504,"sentiment":"neutral","sentiment_score":-0.06567108501558719},{"text":"Yep.","start":811.17,"end":811.67,"sentiment":"neutral","sentiment_score":0.21052448451519012},{"text":"And we already have a few in mind.","start":817.17,"end":820.61,"sentiment":"neutral","sentiment_score":0.29892359860241413}],"sentiment":"neutral","sentiment_score":0.09858401351901766,"num_words":73,"start":791.18,"end":820.61},{"sentences":[{"text":"Like, I've been talking to our investment committee about some options in that Australian space because I've noticed a little bit this year since we've come back from Christmas.","start":820.61,"end":828.505,"sentiment":"neutral","sentiment_score":0.24231875533687658},{"text":"I do just have to ask you one question.","start":829.685,"end":831.285,"sentiment":"neutral","sentiment_score":0.012449502531025145},{"text":"There's no right or wrong answer for this.","start":831.285,"end":832.96497,"sentiment":"neutral","sentiment_score":-0.1774028893560171},{"text":"It's really just about that feeling because I can pick a good one either way.","start":832.96497,"end":836.7,"sentiment":"neutral","sentiment_score":0.1706805095076561},{"text":"And the question is, if you could choose between, like, the lowest fees or paying higher investment fees to try and get a higher return, which way do you lean personally?","start":838.06,"end":849.68,"sentiment":"neutral","sentiment_score":0.03031225694764045}],"sentiment":"neutral","sentiment_score":0.10021689044230658,"num_words":92,"start":820.61,"end":849.68},{"sentences":[{"text":"Well, your that Benelon option that I'm looking at replacing, that's in an active space, which is that kind of high fees to get the high returns, but it hasn't actually done that, if that makes sense.","start":871.28,"end":884.11505,"sentiment":"neutral","sentiment_score":-0.0432301454271215},{"text":"So what I'm saying is I can keep it in the same style and replace it like for like with another active option that has actually done that.","start":884.17505,"end":893.19,"sentiment":"neutral","sentiment_score":0.06824006060404438},{"text":"Yes.","start":897.27,"end":897.75,"sentiment":"neutral","sentiment_score":0.24649667739868164},{"text":"And slightly lower fees, similar, slightly slightly more affordable, but it's actually done really well over one, three, five, and ten years, and it would just be a straight upgrade and sidestep for you.","start":897.75,"end":909.715,"sentiment":"positive","sentiment_score":0.46221161151633544},{"text":"Yep.","start":915.215,"end":915.715,"sentiment":"neutral","sentiment_score":0.1861804723739624}],"sentiment":"neutral","sentiment_score":0.16296117086572073,"num_words":101,"start":871.28,"end":915.715},{"sentences":[{"text":"And what it is, like, we we always do a bit of a blend.","start":916.015,"end":918.575,"sentiment":"neutral","sentiment_score":0.18849651302610124},{"text":"Like, you do have a mix of low fee options and and the active options.","start":918.575,"end":922.44,"sentiment":"neutral","sentiment_score":0.18061692714691163},{"text":"That's kind of our view philosophy is having, like, we call it a current satellite.","start":922.98,"end":926.83997,"sentiment":"neutral","sentiment_score":0.15510585606098176},{"text":"You've got your steady ship in the middle and a few sled dogs that pull you along a little bit quicker.","start":926.98,"end":931.56,"sentiment":"neutral","sentiment_score":0.14926020694630487},{"text":"K?","start":931.635,"end":932.135,"sentiment":"neutral","sentiment_score":0.055543527007102966}],"sentiment":"neutral","sentiment_score":0.16461819399035338,"num_words":66,"start":916.015,"end":932.135},{"sentences":[{"text":"So all I'm saying is if there's no major issue where you're like, look, I wanna completely overhaul everything and go completely different style, then I can just fix it up a little bit, and you should be right.","start":933.47504,"end":944.13,"sentiment":"neutral","sentiment_score":0.1052306052774955},{"text":"Perfect.","start":951.89,"end":952.39,"sentiment":"positive","sentiment_score":0.4801422357559204},{"text":"And the only other one that I've noted yeah.","start":952.45,"end":960.78503,"sentiment":"neutral","sentiment_score":0.11521244131856495},{"text":"And some of our portfolios have been doing that sort of 12 to 14, especially given what's been happening recently.","start":960.78503,"end":966.625,"sentiment":"neutral","sentiment_score":0.09280194500461221},{"text":"So I wanna try and just get it up there.","start":966.625,"end":968.645,"sentiment":"positive","sentiment_score":0.4744700610637665}],"sentiment":"neutral","sentiment_score":0.15470616866044606,"num_words":79,"start":933.47504,"end":968.645},{"sentences":[{"text":"When I mentioned that benchmark of eight to nine, it's just the average for your risk level.","start":969.265,"end":974.14,"sentiment":"neutral","sentiment_score":0.04829629072371651},{"text":"That's not to say that we're not aiming for ten, twelve, fourteen, sixteen.","start":975.48,"end":978.86,"sentiment":"neutral","sentiment_score":-0.05784340432057014},{"text":"It just means that you need that eight to nine to be on track for retirement.","start":979.08,"end":983.34,"sentiment":"neutral","sentiment_score":0.07103117229416966},{"text":"Cool.","start":987.495,"end":987.815,"sentiment":"positive","sentiment_score":0.4281165301799774},{"text":"And the other strange thing that I've noticed, this is kind of the first time I've seen this, is you have some American shares, which the American shares have done really well the last twelve months.","start":987.815,"end":998.215,"sentiment":"neutral","sentiment_score":0.04786159832858377}],"sentiment":"neutral","sentiment_score":0.0404422350945961,"num_words":83,"start":969.265,"end":998.215},{"sentences":[{"text":"They're up, like, 16%.","start":998.215,"end":1000.13,"sentiment":"neutral","sentiment_score":0.1495940461754799},{"text":"But this option that you've got, they've put it in, like, US dollars.","start":1001.23,"end":1008.37,"sentiment":"neutral","sentiment_score":-0.14186638966202736},{"text":"And I don't know if you've seen recently, it's very strange, but the US dollar has gone kind of down given what Trump's been up to compared to the Australian dollar.","start":1008.91,"end":1017.815,"sentiment":"neutral","sentiment_score":-0.2709803364930614},{"text":"So it's actually messed with your performance on that one option just because it's in a different currency.","start":1018.995,"end":1023.65497,"sentiment":"neutral","sentiment_score":-0.24914886988699436},{"text":"So what I'm gonna do is I'm just gonna have a talk to the investment committee about whether we can kind of we call it hedging, and it switches the currency around.","start":1026.7699,"end":1034.9299,"sentiment":"neutral","sentiment_score":0.0383642025408335}],"sentiment":"neutral","sentiment_score":-0.1316663519270262,"num_words":98,"start":998.215,"end":1034.9299},{"sentences":[{"text":"A little bit of a trick under the hood for you.","start":1034.9299,"end":1037.01,"sentiment":"neutral","sentiment_score":0.014220671220259233},{"text":"But at the very least, we'll get that Benelon switched out with somebody better.","start":1037.01,"end":1040.7899,"sentiment":"neutral","sentiment_score":-0.025474241269486293},{"text":"Cool.","start":1044.805,"end":1045.305,"sentiment":"positive","sentiment_score":0.43955716490745544},{"text":"Now while I do this, when we do these changes, we put it in a statement of advice again just to give you an update on, like, here in writing, this is your new portfolio we're recommending and why, and then you can kind of read off and sign if you're comfortable.","start":1045.3651,"end":1057.66,"sentiment":"neutral","sentiment_score":0.18244012280438954},{"text":"So, Kim, the last thing I wanna do just before I let you go is when I put this statement of advice together, I just wanna make sure you haven't had any major changes in the details.","start":1060.76,"end":1069.42,"sentiment":"neutral","sentiment_score":-0.004187883255449501}],"sentiment":"neutral","sentiment_score":0.08322852066029673,"num_words":115,"start":1034.9299,"end":1069.42},{"sentences":[{"text":"Cool.","start":1071.265,"end":1071.5851,"sentiment":"positive","sentiment_score":0.46169960498809814},{"text":"So I'm just gonna power through these real quick.","start":1071.5851,"end":1073.985,"sentiment":"positive","sentiment_score":0.3852185077137417},{"text":"Just let me know if anything's changed.","start":1073.985,"end":1075.685,"sentiment":"neutral","sentiment_score":0.11879231461456843},{"text":"Alright.","start":1077.025,"end":1077.345,"sentiment":"neutral","sentiment_score":0.18920646607875824},{"text":"So phone number's still the same.","start":1077.345,"end":1078.9451,"sentiment":"neutral","sentiment_score":0.11408781011899312}],"sentiment":"neutral","sentiment_score":0.2347477376461029,"num_words":24,"start":1071.265,"end":1078.9451},{"sentences":[{"text":"Your Outlook address, Kim dot Brooks, is still current.","start":1078.9451,"end":1081.845,"sentiment":"neutral","sentiment_score":0.11397912684414122},{"text":"Yep.","start":1083.12,"end":1083.4401,"sentiment":"neutral","sentiment_score":0.03525853157043457},{"text":"Marital status, still single.","start":1083.4401,"end":1085.06,"sentiment":"neutral","sentiment_score":0.03575873654335737},{"text":"The two boys.","start":1086.4801,"end":1087.62,"sentiment":"neutral","sentiment_score":0.04384883617361387},{"text":"We've got occupation wise technical officer for the Townsville City Council.","start":1090.0,"end":1095.7001,"sentiment":"neutral","sentiment_score":0.06076006184924732}],"sentiment":"neutral","sentiment_score":0.0715718860072749,"num_words":28,"start":1078.9451,"end":1095.7001},{"sentences":[{"text":"Perfect.","start":1097.645,"end":1098.145,"sentiment":"positive","sentiment_score":0.40064722299575806},{"text":"Around about 80,500 per year in income, would you say?","start":1099.165,"end":1103.265,"sentiment":"neutral","sentiment_score":0.16078224182128906},{"text":"Yep.","start":1105.325,"end":1105.725,"sentiment":"neutral","sentiment_score":0.12701621651649475},{"text":"Perfect.","start":1105.725,"end":1106.225,"sentiment":"neutral","sentiment_score":0.27844560146331787},{"text":"That's your base.","start":1110.38,"end":1111.18,"sentiment":"neutral","sentiment_score":0.12358958274126053}],"sentiment":"neutral","sentiment_score":0.17404376296326518,"num_words":16,"start":1097.645,"end":1111.18},{"sentences":[{"text":"Okay.","start":1111.18,"end":1111.34,"sentiment":"neutral","sentiment_score":0.06744535267353058},{"text":"And then do you do, like, a bit of overtime that kind of pulls you above that a little bit?","start":1111.34,"end":1115.04,"sentiment":"neutral","sentiment_score":0.0317366904579103},{"text":"Cool.","start":1123.995,"end":1124.235,"sentiment":"positive","sentiment_score":0.37183433771133423},{"text":"So base salary is there and maybe close to 100,000 for the overall.","start":1124.235,"end":1130.0951,"sentiment":"neutral","sentiment_score":0.16907114879443094},{"text":"Perfect.","start":1132.17,"end":1132.67,"sentiment":"neutral","sentiment_score":0.25632062554359436}],"sentiment":"neutral","sentiment_score":0.09800719609484076,"num_words":36,"start":1111.18,"end":1132.67},{"sentences":[{"text":"You're still in Laguna Avenue address wise?","start":1133.8501,"end":1136.91,"sentiment":"neutral","sentiment_score":0.0751962528697082},{"text":"Cool.","start":1138.65,"end":1139.15,"sentiment":"neutral","sentiment_score":0.20415332913398743},{"text":"We've got the Toyota Hilux was your main asset valued at around 45,000.","start":1140.0901,"end":1146.1901,"sentiment":"neutral","sentiment_score":0.17195146817427415},{"text":"Do you have any other new assets or loans or anything?","start":1147.7749,"end":1150.4349,"sentiment":"neutral","sentiment_score":0.045056832784956154},{"text":"Credit cards, personal loans?","start":1150.495,"end":1152.2749,"sentiment":"neutral","sentiment_score":0.007571510737761855}],"sentiment":"neutral","sentiment_score":0.09699464969647427,"num_words":36,"start":1133.8501,"end":1152.2749},{"sentences":[{"text":"Perfect.","start":1157.0549,"end":1157.5549,"sentiment":"neutral","sentiment_score":0.28669342398643494},{"text":"Was there a note here that you were looking to save to purchase a property?","start":1158.335,"end":1163.42,"sentiment":"neutral","sentiment_score":0.0044043580691019695},{"text":"Yep.","start":1165.5599,"end":1165.96,"sentiment":"neutral","sentiment_score":0.15017738938331604},{"text":"Cool.","start":1165.96,"end":1166.46,"sentiment":"neutral","sentiment_score":0.29774636030197144},{"text":"Have you got a bit of, like, a set savings per week that you're aiming for this year?","start":1167.08,"end":1170.78,"sentiment":"neutral","sentiment_score":0.1810802821483877}],"sentiment":"neutral","sentiment_score":0.11278132287164529,"num_words":36,"start":1157.0549,"end":1170.78},{"sentences":[{"text":"Okay.","start":1187.2,"end":1187.7,"sentiment":"neutral","sentiment_score":0.06852737069129944},{"text":"Yeah.","start":1209.0549,"end":1209.5549,"sentiment":"neutral","sentiment_score":0.057241275906562805},{"text":"Yep.","start":1209.615,"end":1210.115,"sentiment":"neutral","sentiment_score":0.20886102318763733},{"text":"That's what we always run into.","start":1210.255,"end":1211.795,"sentiment":"neutral","sentiment_score":0.11788936145603657},{"text":"Even my my mate, he's been earning about a $100 for years doing, like, security work where he's working sixty hour weeks, and he had nothing to show for for about six years.","start":1213.17,"end":1223.3301,"sentiment":"neutral","sentiment_score":-0.09500208863932075}],"sentiment":"neutral","sentiment_score":-0.04983578777561585,"num_words":42,"start":1187.2,"end":1223.3301},{"sentences":[{"text":"And I said, Jack, just set up a different bank account at this point because you just you you you keep touching it.","start":1223.3301,"end":1228.875,"sentiment":"neutral","sentiment_score":-0.2470014380372089},{"text":"And he he started sending money to his mom, and he also started sending money to a separate, like, bank where he doesn't have a card.","start":1228.955,"end":1237.295,"sentiment":"neutral","sentiment_score":-0.14718004430715853},{"text":"And he's been able to build up about $15 now, so he's also saving for his first house.","start":1237.995,"end":1242.975,"sentiment":"neutral","sentiment_score":0.2797226193878386},{"text":"Anything you need to do, you know, just to make sure that you're you're rolling on and actually getting to where you wanna go.","start":1244.5499,"end":1250.0099,"sentiment":"neutral","sentiment_score":0.04259717045351863},{"text":"Yeah.","start":1258.8049,"end":1259.3049,"sentiment":"neutral","sentiment_score":-0.035770248621702194}],"sentiment":"neutral","sentiment_score":-0.037892882995631386,"num_words":92,"start":1223.3301,"end":1259.3049},{"sentences":[{"text":"Yeah.","start":1260.645,"end":1261.145,"sentiment":"neutral","sentiment_score":-0.09719058871269226},{"text":"Yeah.","start":1290.915,"end":1291.415,"sentiment":"neutral","sentiment_score":-0.23409458994865415},{"text":"It's too tempting and easy.","start":1312.145,"end":1313.505,"sentiment":"positive","sentiment_score":0.5159523546695709},{"text":"You click a couple of buttons and it's gone.","start":1313.505,"end":1315.4451,"sentiment":"neutral","sentiment_score":0.10666881253321965},{"text":"Yep.","start":1318.3201,"end":1318.8201,"sentiment":"neutral","sentiment_score":0.0780816301703453}],"sentiment":"neutral","sentiment_score":0.19332809045034297,"num_words":17,"start":1260.645,"end":1318.8201},{"sentences":[{"text":"Yeah.","start":1327.52,"end":1327.92,"sentiment":"positive","sentiment_score":0.428439199924469},{"text":"Absolutely.","start":1327.92,"end":1328.42,"sentiment":"positive","sentiment_score":0.5237279534339905},{"text":"So I'll put that down as some of the goals that we're trying to aim for 40,000 over the next two years, and we'll just kind of when we do our reviews with you, we'll touch base and see how you're going.","start":1329.12,"end":1338.145,"sentiment":"neutral","sentiment_score":0.2547389639630204},{"text":"Do you have a little bit scroll to land savings at the moment that I can note down in your assets?","start":1340.285,"end":1345.025,"sentiment":"neutral","sentiment_score":0.16044052796704428},{"text":"Perfect.","start":1349.47,"end":1349.97,"sentiment":"positive","sentiment_score":0.5046424865722656}],"sentiment":"neutral","sentiment_score":0.23522874566190172,"num_words":66,"start":1327.52,"end":1349.97},{"sentences":[{"text":"To start, always nice to have a little bit of emergency fund too.","start":1350.35,"end":1354.0499,"sentiment":"neutral","sentiment_score":0.2901809433331856},{"text":"Last couple of details, we've got you've still never gone through, like, bankruptcy or debt agreements before.","start":1355.95,"end":1362.725,"sentiment":"neutral","sentiment_score":-0.028731305371312535},{"text":"Alright.","start":1364.305,"end":1364.705,"sentiment":"neutral","sentiment_score":0.017235638573765755},{"text":"Cool.","start":1364.705,"end":1365.025,"sentiment":"neutral","sentiment_score":0.07302241027355194},{"text":"And we're looking at putting place, like, the will and the power of attorney potentially.","start":1365.025,"end":1368.885,"sentiment":"neutral","sentiment_score":0.06070952713489532}],"sentiment":"neutral","sentiment_score":0.09116640484872017,"num_words":47,"start":1350.35,"end":1368.885},{"sentences":[{"text":"And health wise still smoking at the moment?","start":1371.76,"end":1376.34,"sentiment":"neutral","sentiment_score":-0.020879945950582623},{"text":"Oh, nice.","start":1380.48,"end":1381.22,"sentiment":"neutral","sentiment_score":0.12403564527630806},{"text":"Fantastic.","start":1384.895,"end":1385.395,"sentiment":"positive","sentiment_score":0.4875778555870056},{"text":"So just to let you know, like, whenever you're 12 nicotine free, you get, like, a nonsmoker status when it comes to, like, insurances and things like that.","start":1385.4551,"end":1395.03,"sentiment":"neutral","sentiment_score":0.2081151588686875},{"text":"So we'll just keep that in mind so that when we can tag you as twelve months free, then we'll know whether we need to update anything.","start":1395.11,"end":1401.53,"sentiment":"neutral","sentiment_score":0.1119060835076703}],"sentiment":"neutral","sentiment_score":0.14268633759947438,"num_words":66,"start":1371.76,"end":1401.53},{"sentences":[{"text":"Cool.","start":1403.5901,"end":1404.0901,"sentiment":"positive","sentiment_score":0.4412153363227844},{"text":"That's pretty much everything that I needed.","start":1404.55,"end":1406.47,"sentiment":"positive","sentiment_score":0.41568514491830555},{"text":"Is there anything else that you would like to mix in with this advice that we're doing?","start":1406.47,"end":1411.225,"sentiment":"neutral","sentiment_score":0.09951753476086785},{"text":"Yep.","start":1418.405,"end":1418.905,"sentiment":"neutral","sentiment_score":0.0837617963552475},{"text":"Awesome.","start":1418.965,"end":1419.465,"sentiment":"positive","sentiment_score":0.41331297159194946}],"sentiment":"neutral","sentiment_score":0.20518089665306938,"num_words":27,"start":1403.5901,"end":1419.465},{"sentences":[{"text":"So I won't look at anything to do with, like, insurances and investments and things like that.","start":1420.005,"end":1424.7,"sentiment":"neutral","sentiment_score":0.081900844898294},{"text":"I guess your priority at the moment is just get the super back on track, make sure your beneficiaries and will are sorted, and saving for that house.","start":1424.7799,"end":1431.5199,"sentiment":"neutral","sentiment_score":0.20761240779289178},{"text":"Awesome.","start":1434.22,"end":1434.7,"sentiment":"positive","sentiment_score":0.6471785306930542},{"text":"So what I'll do is I'll go away and put together a little bit of research about the super.","start":1434.7,"end":1439.985,"sentiment":"neutral","sentiment_score":0.31274918506019994},{"text":"I'll let Veronica know what we're doing as well just so she's aware.","start":1440.0449,"end":1443.265,"sentiment":"neutral","sentiment_score":0.2522198259830475}],"sentiment":"neutral","sentiment_score":0.21889400725754407,"num_words":78,"start":1420.005,"end":1443.265},{"sentences":[{"text":"And sometime over the fortnight, the team will give you a buzz just to get you booked in to go through that advice document.","start":1443.645,"end":1450.465,"sentiment":"positive","sentiment_score":0.40432393302520114},{"text":"Awesome, Kim.","start":1453.66,"end":1454.64,"sentiment":"positive","sentiment_score":0.7887006998062134},{"text":"Thank you for your time this morning.","start":1455.26,"end":1456.54,"sentiment":"positive","sentiment_score":0.8418415018490383},{"text":"You have a fantastic day.","start":1456.54,"end":1458.0,"sentiment":"positive","sentiment_score":0.8370893597602844},{"text":"Thank you.","start":1460.14,"end":1460.7,"sentiment":"positive","sentiment_score":0.5954841673374176}],"sentiment":"positive","sentiment_score":0.5637620359659195,"num_words":40,"start":1443.645,"end":1460.7},{"sentences":[{"text":"Bye.","start":1460.7,"end":1461.2,"sentiment":"neutral","sentiment_score":-0.08879131823778152}],"sentiment":"neutral","sentiment_score":-0.08879131823778152,"num_words":1,"start":1460.7,"end":1461.2}]}}]},{"alternatives":[{"transcript":"Hello? Kim speaking. Yeah. Good. Thanks. How are you? Yeah. Yeah. Awesome. Okay. Yep. No worries. Yep. Paris. Yep. Yep. Yeah. I believe so. Yep. Yep. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yep. Yeah. So because Logan's 19, but Carson's only four. So I was thinking of, like, I was thinking, like, of splitting like, maybe going putting my brother down for half and then the boys, like, can get 25 each until, like I don't know. Until they're of, like, the age of 25 or something. Yeah. Yeah. Yep. Yep. Yep. Oh, okay. Yep. Yep. Mhmm. Yeah. Yeah. Okay. Yep. No. We were gonna discuss that as well, I believe. Yep. Yeah. Yeah. Oh, okay. Yep. Yep. Yeah. Okay. Yep. Oh, okay. Yep. Yep. Alright. Yeah. Yeah. Yeah. Okay. Yep. I don't know. Yeah. What would you recommend would be best? Like because I'm I'm I'm kind of in a situation at the moment. Carson doesn't have too much to do with his father. But, obviously, if I did die, like, I've asked my brother and his and my sister-in-law, and they'd like because, obviously, I'd want him to go to them, like, because, like, he doesn't really have much to do with his father at all. Mhmm. But he is trying to be a part of his life, and the last thing I want is him to get my money, obviously. So I yeah. So I'm kind of I don't I don't what would you suggest? Like because, obviously, he like, he's not on the birth certificate because it's been a bit of a rough trough. But, like, being the father, like, I don't know what power when I'm dead. I'd have, like like, I think he might get, like, rights to Carson, like, over my brother, which will be devastating, but I still don't want him to get my money. So, yeah, I don't know what's my yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Yes. Yeah. Yeah. Right. Yeah. Okay. Yeah. Yeah. Alright. Okay. Yep. Yep. Okay. Yeah. Yeah. No. Okay. Yeah. Well, okay. Let's split it between the kids, if that's what you reckon, and then, yeah, I'll do how much does it cost to do a Will? Mhmm. Yeah. Okay. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yep. Okay. Alright. Yep. So you don't do you don't offer anything like that? Or Yeah. Okay. Yeah. Okay. Alright. No. No. That's alright. So I gotta look into I'll so I'll just look into doing a will in the next, what, twelve months, you say? Or six months? Yep. Yep. Yeah. Okay. Yeah. Yeah. Well, I'll I'll work on giving myself six months to do the will. I'll I'll talk to I'll go I'll get some advice and whatnot because, yeah, I might have an old barrister that might be able to help me as well. So if I, yeah, if I get a will in place, then do I, what, send you a copy of that will, or what happens? Yeah. Yeah. Okay. Yeah. Alright. Let's do that then. Yep. Yep. Yep. Mhmm. Yep. Okay. Yep. Awesome. Alright. No. That sounds great. Yep. Yep. Mhmm. No. I don't know my login. Mhmm. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Mhmm. I'm I'm doing, like, one percent of something. Yeah. Yeah. Yeah. Yeah. Right. Yeah. Okay. Yeah. Mhmm. Mhmm. Yeah. Okay. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I can't help. Yeah. Yeah. Right. Yeah. Yeah. Yeah. Okay. Yeah. If you believe yeah. If you think that's what's gonna benefit me, definitely. Yep. Yeah. Mhmm. Yeah. Yeah. What would your advice be? Like, considering that my age and whatnot, do you think I could afford a bit higher investments for better gain, or do you think I'm better off taking the soft safer option? Yeah. Yeah. Yeah. I yeah. Yeah. Oh, okay. That's got better returns, but Yep. Yeah. Yep. Yeah. Yeah. Okay. Yeah. Well, I suppose, yeah, let's give it a go. Yeah. Yeah. Yeah. Alright. Yep. Yeah. Yeah. If you, yeah, if you can twerk it just to get a little bit more, like, that percentage, that 1% up a bit, that'd be awesome. Yeah. Because I think in my initial call, they were looking at getting, like, 11 to 15% or something. Like so yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yep. Yeah. Yeah. Okay. Let's do that. Yeah. No. Definitely. Mhmm. Yep. Yeah. Yeah. Yeah. Okay. Yeah. Right. Yeah. Yep. Yep. Yeah. Okay. Yep. Yeah. No. Definitely. Yep. Yep. Yep. Okay. Yep. Sweet. Yep. Yep. Yep. Yep. Okay. Cool. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Maybe a little bit more. But yeah. I'd say that's my base. Yeah. Yep. Yep. I think I've been hitting around the 100 mark each year just with overtime and whatnot. So yeah. Yep. Yep. No. No. Nothing. I paid all that out. So no. Look at yeah. Yep. Oh, I'm just trying to do savings. Like, I'm for I'm trying to save, like, like, $20 this year. Like so my I was thinking of doing it over two years to save $40, $20 a year and whatnot. But, yeah, I'm, like yeah. I'm I'm I'm getting there because I'm getting a bit of overtime at the moment. So I I've got some cash put aside, but I need to, I don't know, put it into something that so I can't actually touch it because I find when I can touch it, that's that's the problem. It's easy to access. Yeah. Yeah. Yeah. Yeah. Yeah. Thank you. Yeah. Yeah. Yeah. No. Yeah. Yeah. Yeah. Because my because, like, I work so we work nine day or fortnight. And so on one one week's a short week, so I'll like, I I can't save much there. But on the other week, I get, like, I don't know, sometimes, like, $700 extra, like, so if I could put that away and just live off my base, then that's, like, that's my plan anyway. So but, yeah, I I do have I've got two accounts. So I'm gonna go and sort out with my local bank and just say, like, look. I wanna be able to put money in here, but not take it out unless I actually come into the bank. Like, I don't want and I don't have a card for that account or whatever. Well, I do for an all access, but, like, there's I've got, like, different accounts off that actual bank. So, yeah, I might actually look at doing that because I think that's the only way it's gonna be safe. Because while it's there, you can just if you can access it, it's just too convenient. Like yeah. Yeah. For sure. Whereas if you don't, you can still see it grow, which is nice, but then not be able to just easily transfer it out on NetBank or something. That's awesome. Yeah. Yep. Perfect. Oh, I've got, like, five brands. That's it. Yeah. No. Yeah. I'm actually on a program to give up. So, hopefully, by by the next phone call, that'll be done. Yeah. Okay. Yeah. Perfect. Yep. No. I think that's pretty much I I don't not off the top of my head. No. Yep. Yep. Sounds good. Yep. Perfect. Awesome. Yep. No worries. Beautiful. Thank you very much. You too. Cheers. Bye.","confidence":0.9910444,"words":[{"word":"hello","start":0.79999995,"end":1.1999999,"confidence":0.7455429,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.019090283662080765},{"word":"kim","start":1.1999999,"end":1.52,"confidence":0.9737264,"punctuated_word":"Kim","sentiment":"neutral","sentiment_score":0.028808392584323883},{"word":"speaking","start":1.52,"end":2.02,"confidence":0.98793936,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.041303135454654694},{"word":"yeah","start":7.12,"end":7.44,"confidence":0.9191842,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2267270535230637},{"word":"good","start":7.44,"end":7.7599998,"confidence":0.917602,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.3931662440299988},{"word":"thanks","start":7.7599998,"end":8.0,"confidence":0.9987552,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5075048804283142},{"word":"how","start":8.0,"end":8.24,"confidence":0.99977523,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.30665814876556396},{"word":"are","start":8.24,"end":8.32,"confidence":0.9986821,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28747156262397766},{"word":"you","start":8.32,"end":8.82,"confidence":0.999704,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.3970736265182495},{"word":"yeah","start":17.125,"end":17.625,"confidence":0.9674072,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05135026574134827},{"word":"yeah","start":20.965,"end":21.285,"confidence":0.69473374,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13675913214683533},{"word":"awesome","start":21.285,"end":21.765,"confidence":0.99858636,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.2561664283275604},{"word":"okay","start":21.765,"end":22.085,"confidence":0.99857485,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1123621016740799},{"word":"yep","start":22.085,"end":22.325,"confidence":0.8221415,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11089574545621872},{"word":"no","start":22.325,"end":22.565,"confidence":0.99896944,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.12664803862571716},{"word":"worries","start":22.565,"end":23.065,"confidence":0.9987366,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.1311732679605484},{"word":"yep","start":27.845001,"end":28.345001,"confidence":0.9878812,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09843018651008606},{"word":"paris","start":36.43,"end":36.93,"confidence":0.9288707,"punctuated_word":"Paris.","sentiment":"neutral","sentiment_score":0.04643245413899422},{"word":"yep","start":48.085,"end":48.585,"confidence":0.9602082,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07935169339179993},{"word":"yep","start":50.325,"end":50.825,"confidence":0.8966007,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06871802359819412},{"word":"yeah","start":56.565002,"end":56.805,"confidence":0.9259955,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04585372284054756},{"word":"i","start":56.805,"end":56.965,"confidence":0.99613804,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04989749193191528},{"word":"believe","start":56.965,"end":57.365,"confidence":0.9998361,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.04237248748540878},{"word":"so","start":57.365,"end":57.605,"confidence":0.9982774,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.06864240765571594},{"word":"yep","start":57.605,"end":58.105,"confidence":0.9768574,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11034280061721802},{"word":"yep","start":70.78,"end":71.1,"confidence":0.8073859,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05094529315829277},{"word":"yeah","start":71.1,"end":71.5,"confidence":0.8422159,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07551182061433792},{"word":"yeah","start":71.5,"end":72.0,"confidence":0.7449465,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.155597522854805},{"word":"yep","start":81.885,"end":82.385,"confidence":0.906047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.048553891479969025},{"word":"yep","start":84.365005,"end":84.865005,"confidence":0.93282974,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06531636416912079},{"word":"yeah","start":90.39,"end":90.79,"confidence":0.93608856,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.040686242282390594},{"word":"yep","start":90.79,"end":91.19,"confidence":0.8529709,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.031989358365535736},{"word":"yep","start":91.19,"end":91.69,"confidence":0.9006125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02511874213814735},{"word":"yeah","start":92.07,"end":92.39,"confidence":0.9272379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02045845054090023},{"word":"so","start":92.39,"end":92.87,"confidence":0.99598604,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.003977734595537186},{"word":"because","start":92.950005,"end":93.450005,"confidence":0.98276204,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.004638249054551125},{"word":"logan's","start":93.990005,"end":94.490005,"confidence":0.9585812,"punctuated_word":"Logan's","sentiment":"neutral","sentiment_score":-0.00009870281064650044},{"word":"19","start":94.55,"end":95.05,"confidence":0.8569077,"punctuated_word":"19,","sentiment":"neutral","sentiment_score":-0.00019827298820018768},{"word":"but","start":95.19,"end":95.51,"confidence":0.9455181,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01556042954325676},{"word":"carson's","start":95.51,"end":96.01,"confidence":0.64167166,"punctuated_word":"Carson's","sentiment":"neutral","sentiment_score":-0.017524538561701775},{"word":"only","start":96.31,"end":96.81,"confidence":0.9966804,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.023748381063342094},{"word":"four","start":98.995,"end":99.075005,"confidence":0.92471457,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":-0.01104473602026701},{"word":"so","start":99.075005,"end":99.575005,"confidence":0.99886525,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005692780017852783},{"word":"i","start":101.475,"end":101.715004,"confidence":0.96218723,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011756960302591324},{"word":"was","start":101.715004,"end":102.035,"confidence":0.99932015,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02415366843342781},{"word":"thinking","start":102.035,"end":102.535,"confidence":0.99928445,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.005835618823766708},{"word":"of","start":102.835,"end":103.235,"confidence":0.94885105,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.012410568073391914},{"word":"like","start":103.235,"end":103.735,"confidence":0.7762817,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.013153394684195518},{"word":"i","start":106.915,"end":107.075,"confidence":0.5214169,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02690063789486885},{"word":"was","start":107.075,"end":107.315,"confidence":0.98685116,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.03532853722572327},{"word":"thinking","start":107.315,"end":107.635,"confidence":0.9053189,"punctuated_word":"thinking,","sentiment":"neutral","sentiment_score":-0.02490502223372459},{"word":"like","start":107.635,"end":107.955,"confidence":0.97881186,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.01604410819709301},{"word":"of","start":107.955,"end":108.455,"confidence":0.98792726,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.018409010022878647},{"word":"splitting","start":108.675,"end":108.995,"confidence":0.9918092,"punctuated_word":"splitting","sentiment":"neutral","sentiment_score":-0.0315132662653923},{"word":"like","start":109.235,"end":109.475,"confidence":0.9848018,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.021743720397353172},{"word":"maybe","start":109.475,"end":109.795,"confidence":0.9972608,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.03720851242542267},{"word":"going","start":109.795,"end":110.035,"confidence":0.9971271,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.023305006325244904},{"word":"putting","start":111.310005,"end":111.630005,"confidence":0.9971662,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.02083780989050865},{"word":"my","start":111.630005,"end":111.87,"confidence":0.99950564,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.038053371012210846},{"word":"brother","start":111.87,"end":112.270004,"confidence":0.9996655,"punctuated_word":"brother","sentiment":"neutral","sentiment_score":-0.06546735018491745},{"word":"down","start":112.270004,"end":112.770004,"confidence":0.9998109,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.01892244815826416},{"word":"for","start":112.83,"end":113.33,"confidence":0.9982445,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04199560359120369},{"word":"half","start":114.35,"end":114.85,"confidence":0.9765262,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.0009826421737670898},{"word":"and","start":115.15,"end":115.31,"confidence":0.50252205,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01914554461836815},{"word":"then","start":115.31,"end":115.81,"confidence":0.99936074,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.007407620549201965},{"word":"the","start":115.87,"end":116.11,"confidence":0.9966857,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00673115998506546},{"word":"boys","start":116.11,"end":116.61,"confidence":0.9851345,"punctuated_word":"boys,","sentiment":"neutral","sentiment_score":-0.01368676871061325},{"word":"like","start":116.83,"end":117.33,"confidence":0.9939641,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0022865980863571167},{"word":"can","start":117.79,"end":118.03,"confidence":0.97526973,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.027183152735233307},{"word":"get","start":118.03,"end":118.270004,"confidence":0.99918336,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.008618481457233429},{"word":"25","start":118.270004,"end":118.91,"confidence":0.9996202,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.022123325616121292},{"word":"each","start":118.91,"end":119.39,"confidence":0.9987262,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.0031930655241012573},{"word":"until","start":119.39,"end":119.89,"confidence":0.9012461,"punctuated_word":"until,","sentiment":"neutral","sentiment_score":-0.02083510346710682},{"word":"like","start":120.03,"end":120.270004,"confidence":0.99968886,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06290321797132492},{"word":"i","start":120.43,"end":120.590004,"confidence":0.9995459,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07097723335027695},{"word":"don't","start":120.590004,"end":120.75,"confidence":0.9988178,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.037944354116916656},{"word":"know","start":120.75,"end":120.990005,"confidence":0.91152215,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.01964370720088482},{"word":"until","start":120.990005,"end":121.47,"confidence":0.9744634,"punctuated_word":"Until","sentiment":"neutral","sentiment_score":-0.07505905628204346},{"word":"they're","start":121.47,"end":121.87,"confidence":0.9646237,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.12506628036499023},{"word":"of","start":121.87,"end":122.11,"confidence":0.90588194,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.15430423617362976},{"word":"like","start":122.11,"end":122.43,"confidence":0.9978215,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.13528098165988922},{"word":"the","start":122.43,"end":122.590004,"confidence":0.9988219,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09488967061042786},{"word":"age","start":122.590004,"end":122.83,"confidence":0.9944659,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.09875614941120148},{"word":"of","start":122.83,"end":123.07,"confidence":0.99652785,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11634807288646698},{"word":"25","start":123.07,"end":123.71,"confidence":0.99972916,"punctuated_word":"25","sentiment":"neutral","sentiment_score":-0.09613071382045746},{"word":"or","start":123.71,"end":123.87,"confidence":0.99875546,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13899186253547668},{"word":"something","start":123.87,"end":124.37,"confidence":0.88258207,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.09742926061153412},{"word":"yeah","start":137.555,"end":138.055,"confidence":0.9905851,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24953648447990415},{"word":"yeah","start":138.275,"end":138.775,"confidence":0.98389304,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.45039570331573486},{"word":"yep","start":139.72,"end":140.22,"confidence":0.80741346,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3799487054347992},{"word":"yep","start":146.44,"end":146.94,"confidence":0.9238111,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12310036271810532},{"word":"yep","start":153.48,"end":153.98,"confidence":0.7797023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.046903111040592194},{"word":"oh","start":154.86499,"end":155.185,"confidence":0.74717104,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.05330697447061539},{"word":"okay","start":155.185,"end":155.58499,"confidence":0.9954928,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.03858952224254608},{"word":"yep","start":155.58499,"end":156.08499,"confidence":0.88049495,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06256884336471558},{"word":"yep","start":156.14499,"end":156.64499,"confidence":0.93299615,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06608491390943527},{"word":"mhmm","start":169.5,"end":170.0,"confidence":0.95241654,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.011307626962661743},{"word":"yeah","start":178.14,"end":178.62,"confidence":0.98198974,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05181821435689926},{"word":"yeah","start":178.62,"end":179.02,"confidence":0.989702,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04134128987789154},{"word":"okay","start":179.02,"end":179.52,"confidence":0.9928911,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06786742806434631},{"word":"yep","start":189.265,"end":189.425,"confidence":0.89878017,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013350158929824827},{"word":"no","start":189.425,"end":189.905,"confidence":0.9944152,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05191652104258537},{"word":"we","start":189.905,"end":190.065,"confidence":0.9988927,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.03933122381567955},{"word":"were","start":190.065,"end":190.305,"confidence":0.9917081,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.060024283826351166},{"word":"gonna","start":190.305,"end":190.625,"confidence":0.9936679,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.05009937286376953},{"word":"discuss","start":190.625,"end":191.105,"confidence":0.99873346,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":-0.05909685045480728},{"word":"that","start":191.105,"end":191.265,"confidence":0.99973303,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07758961617946625},{"word":"as","start":191.265,"end":191.425,"confidence":0.99949825,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03482571244239807},{"word":"well","start":191.425,"end":191.665,"confidence":0.9897784,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.03328284993767738},{"word":"i","start":191.665,"end":191.825,"confidence":0.9997665,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003598645329475403},{"word":"believe","start":191.825,"end":192.325,"confidence":0.99924946,"punctuated_word":"believe.","sentiment":"neutral","sentiment_score":-0.02406708151102066},{"word":"yep","start":202.08,"end":202.58,"confidence":0.8254405,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1488441526889801},{"word":"yeah","start":206.955,"end":207.455,"confidence":0.92805576,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16022959351539612},{"word":"yeah","start":222.89,"end":223.39,"confidence":0.9007741,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1677752435207367},{"word":"oh","start":225.69,"end":225.93001,"confidence":0.76624274,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.1567167043685913},{"word":"okay","start":225.93001,"end":226.33,"confidence":0.99823123,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.13566091656684875},{"word":"yep","start":226.33,"end":226.65001,"confidence":0.8365333,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1178695484995842},{"word":"yep","start":226.65001,"end":227.13,"confidence":0.98488426,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11503028869628906},{"word":"yeah","start":227.13,"end":227.53,"confidence":0.98158795,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.117781862616539},{"word":"okay","start":227.53,"end":228.03,"confidence":0.96585613,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.095728799700737},{"word":"yep","start":238.245,"end":238.745,"confidence":0.86892086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3066718280315399},{"word":"oh","start":241.285,"end":241.685,"confidence":0.8880503,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.35142800211906433},{"word":"okay","start":241.685,"end":242.185,"confidence":0.9870597,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.3271228075027466},{"word":"yep","start":243.125,"end":243.445,"confidence":0.83544505,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2355303168296814},{"word":"yep","start":243.445,"end":243.945,"confidence":0.9838556,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2314334362745285},{"word":"alright","start":244.005,"end":244.505,"confidence":0.9886759,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.20155084133148193},{"word":"yeah","start":255.56,"end":255.64,"confidence":0.78523564,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2025999575853348},{"word":"yeah","start":255.64,"end":256.14,"confidence":0.7836489,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13053366541862488},{"word":"yeah","start":256.28,"end":256.78,"confidence":0.74667794,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17321845889091492},{"word":"okay","start":262.275,"end":262.675,"confidence":0.8684809,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04837847501039505},{"word":"yep","start":262.675,"end":263.175,"confidence":0.9952934,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02427230402827263},{"word":"i","start":264.515,"end":264.755,"confidence":0.59634817,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08622143417596817},{"word":"don't","start":264.755,"end":264.915,"confidence":0.9988766,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14913538098335266},{"word":"know","start":264.915,"end":265.415,"confidence":0.9994742,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.20547190308570865},{"word":"yeah","start":267.075,"end":267.475,"confidence":0.9722182,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1766684353351593},{"word":"what","start":267.475,"end":267.715,"confidence":0.9990183,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.22649991512298584},{"word":"would","start":267.715,"end":267.95502,"confidence":0.9980558,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1331513375043869},{"word":"you","start":267.95502,"end":268.115,"confidence":0.9994979,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11858516186475754},{"word":"recommend","start":268.115,"end":268.595,"confidence":0.9999254,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":-0.11623382568359376},{"word":"would","start":268.595,"end":268.755,"confidence":0.9989926,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0317503958940506},{"word":"be","start":268.755,"end":268.995,"confidence":0.9997272,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03525879979133606},{"word":"best","start":268.995,"end":269.495,"confidence":0.90750015,"punctuated_word":"best?","sentiment":"neutral","sentiment_score":-0.12616561353206637},{"word":"like","start":269.635,"end":269.95502,"confidence":0.9948908,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":-0.19765344262123108},{"word":"because","start":270.115,"end":270.595,"confidence":0.999564,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1473950743675232},{"word":"i'm","start":270.595,"end":270.915,"confidence":0.9960271,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2766827642917633},{"word":"i'm","start":270.915,"end":271.415,"confidence":0.9968618,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.3175157308578491},{"word":"i'm","start":271.555,"end":271.875,"confidence":0.9316846,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.337779700756073},{"word":"kind","start":271.875,"end":272.195,"confidence":0.98786503,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.3039899170398712},{"word":"of","start":272.195,"end":272.595,"confidence":0.9998223,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3687351942062378},{"word":"in","start":272.595,"end":272.755,"confidence":0.9984359,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4148995578289032},{"word":"a","start":272.755,"end":273.075,"confidence":0.9971209,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3270488381385803},{"word":"situation","start":273.075,"end":273.575,"confidence":0.9998492,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.31910988688468933},{"word":"at","start":273.715,"end":273.875,"confidence":0.9969067,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.4267711043357849},{"word":"the","start":273.875,"end":273.95502,"confidence":0.99924695,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.37935149669647217},{"word":"moment","start":273.95502,"end":274.45502,"confidence":0.96904635,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.298645555973053},{"word":"carson","start":274.675,"end":275.155,"confidence":0.5289967,"punctuated_word":"Carson","sentiment":"negative","sentiment_score":-0.47548753023147583},{"word":"doesn't","start":275.155,"end":275.475,"confidence":0.999418,"punctuated_word":"doesn't","sentiment":"negative","sentiment_score":-0.3893047273159027},{"word":"have","start":275.475,"end":275.715,"confidence":0.9995327,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3972131311893463},{"word":"too","start":275.715,"end":275.875,"confidence":0.99869823,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.4034375846385956},{"word":"much","start":275.875,"end":276.18,"confidence":0.9999703,"punctuated_word":"much","sentiment":"negative","sentiment_score":-0.37622228264808655},{"word":"to","start":276.18,"end":276.41998,"confidence":0.9997657,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.44450727105140686},{"word":"do","start":276.41998,"end":276.58,"confidence":0.99952924,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.4467773139476776},{"word":"with","start":276.58,"end":276.66,"confidence":0.9958824,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.452223926782608},{"word":"his","start":276.66,"end":277.13998,"confidence":0.99823254,"punctuated_word":"his","sentiment":"negative","sentiment_score":-0.4698649048805237},{"word":"father","start":277.13998,"end":277.63998,"confidence":0.8644407,"punctuated_word":"father.","sentiment":"neutral","sentiment_score":-0.3290235996246338},{"word":"but","start":278.41998,"end":278.74,"confidence":0.8781378,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.11191077530384064},{"word":"obviously","start":278.74,"end":279.24,"confidence":0.99967384,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.16483372449874878},{"word":"if","start":279.46,"end":279.62,"confidence":0.9997534,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.28228068351745605},{"word":"i","start":279.62,"end":279.78,"confidence":0.999902,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4072545766830444},{"word":"did","start":279.78,"end":280.1,"confidence":0.99739254,"punctuated_word":"did","sentiment":"negative","sentiment_score":-0.35288676619529724},{"word":"die","start":280.1,"end":280.6,"confidence":0.76336014,"punctuated_word":"die,","sentiment":"negative","sentiment_score":-0.3933005928993225},{"word":"like","start":281.94,"end":282.18,"confidence":0.9751799,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2894524931907654},{"word":"i've","start":282.18,"end":282.58,"confidence":0.99968004,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.33813250064849854},{"word":"asked","start":282.58,"end":282.9,"confidence":0.99764305,"punctuated_word":"asked","sentiment":"neutral","sentiment_score":-0.31649142503738403},{"word":"my","start":282.9,"end":283.4,"confidence":0.99961793,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.250296413898468},{"word":"brother","start":283.53998,"end":284.03998,"confidence":0.99963427,"punctuated_word":"brother","sentiment":"neutral","sentiment_score":-0.2432820051908493},{"word":"and","start":284.1,"end":284.41998,"confidence":0.94292134,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16971668601036072},{"word":"his","start":284.41998,"end":284.74,"confidence":0.69122857,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.20272432267665863},{"word":"and","start":284.82,"end":285.06,"confidence":0.99832565,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15533629059791565},{"word":"my","start":285.06,"end":285.22,"confidence":0.9995409,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.18191340565681455},{"word":"sister-in-law","start":285.22,"end":285.72,"confidence":0.93118715,"punctuated_word":"sister-in-law,","sentiment":"neutral","sentiment_score":-0.17351071536540985},{"word":"and","start":286.1,"end":286.34,"confidence":0.99955434,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15878522396087646},{"word":"they'd","start":286.34,"end":286.66,"confidence":0.62884736,"punctuated_word":"they'd","sentiment":"neutral","sentiment_score":-0.18831340968608856},{"word":"like","start":286.66,"end":286.9,"confidence":0.35779628,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.19337865710258484},{"word":"because","start":287.06,"end":287.38,"confidence":0.8701881,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.18538713455200195},{"word":"obviously","start":287.38,"end":287.86,"confidence":0.99973273,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.24495893716812137},{"word":"i'd","start":287.86,"end":288.1,"confidence":0.98958683,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.28749924898147583},{"word":"want","start":288.1,"end":288.25998,"confidence":0.98686033,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.3104042112827301},{"word":"him","start":288.25998,"end":288.41998,"confidence":0.9978561,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.13869933784008026},{"word":"to","start":288.41998,"end":288.58,"confidence":0.99294186,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21855756640434265},{"word":"go","start":288.58,"end":288.74,"confidence":0.9993973,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.24944917857646945},{"word":"to","start":288.74,"end":288.9,"confidence":0.9969236,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22095760703086853},{"word":"them","start":288.9,"end":289.4,"confidence":0.8877295,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.1668083518743515},{"word":"like","start":289.53998,"end":289.86,"confidence":0.9063999,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.214037224650383},{"word":"because","start":289.86,"end":290.36,"confidence":0.74676895,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.24844865500926971},{"word":"like","start":290.66,"end":290.97998,"confidence":0.9970403,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.3117023706436157},{"word":"he","start":290.97998,"end":291.13998,"confidence":0.9996136,"punctuated_word":"he","sentiment":"negative","sentiment_score":-0.4036628007888794},{"word":"doesn't","start":291.13998,"end":291.46,"confidence":0.99972486,"punctuated_word":"doesn't","sentiment":"negative","sentiment_score":-0.39858168363571167},{"word":"really","start":291.46,"end":291.96,"confidence":0.9984328,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.3936944901943207},{"word":"have","start":292.155,"end":292.395,"confidence":0.99904233,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4086381494998932},{"word":"much","start":292.395,"end":292.515,"confidence":0.99965906,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.3079444169998169},{"word":"to","start":292.515,"end":292.635,"confidence":0.99877423,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4130589365959167},{"word":"do","start":292.635,"end":293.035,"confidence":0.998923,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.37080973386764526},{"word":"with","start":293.035,"end":293.115,"confidence":0.9935928,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.3964052200317383},{"word":"his","start":293.115,"end":293.275,"confidence":0.9970908,"punctuated_word":"his","sentiment":"negative","sentiment_score":-0.4450979232788086},{"word":"father","start":293.275,"end":293.595,"confidence":0.99934953,"punctuated_word":"father","sentiment":"neutral","sentiment_score":-0.29680773615837097},{"word":"at","start":293.595,"end":293.755,"confidence":0.99983597,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.40020525455474854},{"word":"all","start":293.755,"end":294.255,"confidence":0.8055601,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.24378550052642825},{"word":"mhmm","start":294.955,"end":295.195,"confidence":0.979849,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.05247097462415695},{"word":"but","start":295.195,"end":295.355,"confidence":0.9792986,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.18609294295310977},{"word":"he","start":295.355,"end":295.595,"confidence":0.9940434,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.2810344099998474},{"word":"is","start":295.595,"end":295.835,"confidence":0.9926686,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3299589157104492},{"word":"trying","start":295.835,"end":296.075,"confidence":0.9647946,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.3289453983306885},{"word":"to","start":296.075,"end":296.155,"confidence":0.9904463,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25692760944366455},{"word":"be","start":296.155,"end":296.315,"confidence":0.9995384,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.18862032890319824},{"word":"a","start":296.315,"end":296.395,"confidence":0.99240714,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17192678153514862},{"word":"part","start":296.395,"end":296.635,"confidence":0.97513086,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.014923304319381714},{"word":"of","start":296.635,"end":296.715,"confidence":0.9941099,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.023085713386535645},{"word":"his","start":296.715,"end":296.955,"confidence":0.9978277,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.123379185795784},{"word":"life","start":296.955,"end":297.435,"confidence":0.8521977,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":-0.09280073642730712},{"word":"and","start":297.435,"end":297.835,"confidence":0.99966013,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18156221508979797},{"word":"the","start":297.835,"end":298.075,"confidence":0.99975115,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22758835554122925},{"word":"last","start":298.075,"end":298.235,"confidence":0.9996057,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.3160668611526489},{"word":"thing","start":298.235,"end":298.475,"confidence":0.9995128,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.2749858498573303},{"word":"i","start":298.475,"end":298.555,"confidence":0.999044,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3060833215713501},{"word":"want","start":298.555,"end":298.795,"confidence":0.974258,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.4050348699092865},{"word":"is","start":298.795,"end":298.955,"confidence":0.99023193,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4020432233810425},{"word":"him","start":298.955,"end":299.275,"confidence":0.91003966,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.31354743242263794},{"word":"to","start":299.275,"end":299.355,"confidence":0.99909306,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3851590156555176},{"word":"get","start":299.355,"end":299.595,"confidence":0.9997391,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.4407435655593872},{"word":"my","start":299.595,"end":299.755,"confidence":0.99839103,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.4256271421909332},{"word":"money","start":299.755,"end":300.155,"confidence":0.9778077,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.2475840151309967},{"word":"obviously","start":300.155,"end":300.655,"confidence":0.98872554,"punctuated_word":"obviously.","sentiment":"neutral","sentiment_score":-0.2073889523744583},{"word":"so","start":301.355,"end":301.855,"confidence":0.9965411,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0909496247768402},{"word":"i","start":301.995,"end":302.235,"confidence":0.99149746,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11709032207727432},{"word":"yeah","start":303.035,"end":303.51498,"confidence":0.9904224,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09067414700984956},{"word":"so","start":303.51498,"end":303.915,"confidence":0.9995252,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.21038952469825745},{"word":"i'm","start":303.915,"end":304.155,"confidence":0.9931108,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.25627070665359497},{"word":"kind","start":304.155,"end":304.395,"confidence":0.9917006,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.22684693336486816},{"word":"of","start":304.395,"end":304.555,"confidence":0.9998136,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27917003631591797},{"word":"i","start":304.635,"end":304.79498,"confidence":0.99970704,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3282742500305176},{"word":"don't","start":304.79498,"end":305.035,"confidence":0.996037,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.30375242233276367},{"word":"i","start":305.035,"end":305.115,"confidence":0.9978454,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.34698307514190674},{"word":"don't","start":305.115,"end":305.355,"confidence":0.99996465,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.27206674218177795},{"word":"what","start":305.435,"end":305.755,"confidence":0.9976285,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.31600749492645264},{"word":"would","start":305.755,"end":305.995,"confidence":0.98846126,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.23101355135440824},{"word":"you","start":305.995,"end":306.235,"confidence":0.99914813,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21979869902133944},{"word":"suggest","start":306.235,"end":306.735,"confidence":0.74987566,"punctuated_word":"suggest?","sentiment":"neutral","sentiment_score":-0.2429964393377304},{"word":"like","start":306.875,"end":307.115,"confidence":0.99493957,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":-0.2164674699306488},{"word":"because","start":307.57,"end":307.89,"confidence":0.7803823,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.2104278951883316},{"word":"obviously","start":307.89,"end":308.39,"confidence":0.9990982,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.2148456275463104},{"word":"he","start":308.53003,"end":309.03003,"confidence":0.9996183,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.257179319858551},{"word":"like","start":309.25,"end":309.57,"confidence":0.9961288,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.22069191932678223},{"word":"he's","start":309.57,"end":309.97,"confidence":0.9996828,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.2459741234779358},{"word":"not","start":309.97,"end":310.21,"confidence":0.99990404,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2020236104726791},{"word":"on","start":310.21,"end":310.45,"confidence":0.99976987,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2431176155805588},{"word":"the","start":310.45,"end":310.61002,"confidence":0.9996352,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2437334656715393},{"word":"birth","start":310.61002,"end":311.09,"confidence":0.9977029,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":-0.2290528565645218},{"word":"certificate","start":311.09,"end":311.59,"confidence":0.99965274,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":-0.22508636116981504},{"word":"because","start":312.05002,"end":312.37,"confidence":0.71758544,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2008851319551468},{"word":"it's","start":312.37,"end":312.53,"confidence":0.9743184,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2897433042526245},{"word":"been","start":312.53,"end":312.65,"confidence":0.8468268,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2614187002182007},{"word":"a","start":312.65,"end":312.77,"confidence":0.9990953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.29337021708488464},{"word":"bit","start":312.77,"end":312.93,"confidence":0.99894255,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.26959651708602905},{"word":"of","start":312.93,"end":313.09,"confidence":0.99818856,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2987932562828064},{"word":"a","start":313.09,"end":313.17,"confidence":0.9921421,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3449362516403198},{"word":"rough","start":313.17,"end":313.57,"confidence":0.9992065,"punctuated_word":"rough","sentiment":"negative","sentiment_score":-0.3390376567840576},{"word":"trough","start":313.57,"end":314.07,"confidence":0.5325072,"punctuated_word":"trough.","sentiment":"neutral","sentiment_score":-0.3320351243019104},{"word":"but","start":314.29,"end":314.69,"confidence":0.987443,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.25828152894973755},{"word":"like","start":314.69,"end":315.19,"confidence":0.9780174,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2998166084289551},{"word":"being","start":315.57,"end":315.97,"confidence":0.9683667,"punctuated_word":"being","sentiment":"negative","sentiment_score":-0.4062239229679108},{"word":"the","start":315.97,"end":316.13,"confidence":0.50784326,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3792460560798645},{"word":"father","start":316.13,"end":316.63,"confidence":0.98997366,"punctuated_word":"father,","sentiment":"negative","sentiment_score":-0.3585771322250366},{"word":"like","start":317.09,"end":317.59,"confidence":0.99656725,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.3185199797153473},{"word":"i","start":317.73,"end":317.89,"confidence":0.9996927,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4651437997817993},{"word":"don't","start":317.89,"end":318.13,"confidence":0.9998666,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3899502158164978},{"word":"know","start":318.13,"end":318.37,"confidence":0.9996031,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.5044891834259033},{"word":"what","start":318.37,"end":318.69,"confidence":0.99914837,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.5208306312561035},{"word":"power","start":318.69,"end":319.19,"confidence":0.9974831,"punctuated_word":"power","sentiment":"negative","sentiment_score":-0.41051703691482544},{"word":"when","start":319.25,"end":319.49,"confidence":0.81655765,"punctuated_word":"when","sentiment":"negative","sentiment_score":-0.4281724989414215},{"word":"i'm","start":319.49,"end":319.73,"confidence":0.99985814,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.4785926342010498},{"word":"dead","start":319.73,"end":320.23,"confidence":0.93654686,"punctuated_word":"dead.","sentiment":"negative","sentiment_score":-0.4492023587226868},{"word":"i'd","start":320.37,"end":320.53,"confidence":0.99478585,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.4160057008266449},{"word":"have","start":320.53,"end":320.93,"confidence":0.8118723,"punctuated_word":"have,","sentiment":"negative","sentiment_score":-0.38619184494018555},{"word":"like","start":320.93,"end":321.43,"confidence":0.9968388,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.3838720917701721},{"word":"like","start":322.585,"end":322.905,"confidence":0.9439649,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2575113773345947},{"word":"i","start":322.905,"end":322.985,"confidence":0.9996569,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3196302652359009},{"word":"think","start":322.985,"end":323.305,"confidence":0.99988186,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.27889320254325867},{"word":"he","start":323.305,"end":323.54498,"confidence":0.9829048,"punctuated_word":"he","sentiment":"negative","sentiment_score":-0.3601539731025696},{"word":"might","start":323.54498,"end":323.865,"confidence":0.99990237,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.25617483258247375},{"word":"get","start":323.865,"end":324.26498,"confidence":0.9714465,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":-0.30409058928489685},{"word":"like","start":324.26498,"end":324.76498,"confidence":0.99510014,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2687690556049347},{"word":"rights","start":325.78497,"end":326.185,"confidence":0.696284,"punctuated_word":"rights","sentiment":"neutral","sentiment_score":-0.12496107816696168},{"word":"to","start":326.185,"end":326.345,"confidence":0.9925315,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2188892662525177},{"word":"carson","start":326.345,"end":326.845,"confidence":0.8032066,"punctuated_word":"Carson,","sentiment":"neutral","sentiment_score":-0.17992955446243286},{"word":"like","start":327.305,"end":327.625,"confidence":0.99549174,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.25880807638168335},{"word":"over","start":327.625,"end":327.865,"confidence":0.99968374,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.3475075960159302},{"word":"my","start":327.865,"end":328.10498,"confidence":0.99902165,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.5831944346427917},{"word":"brother","start":328.10498,"end":328.50497,"confidence":0.96331334,"punctuated_word":"brother,","sentiment":"negative","sentiment_score":-0.4493445754051209},{"word":"which","start":328.50497,"end":328.745,"confidence":0.9990503,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.5146684646606445},{"word":"will","start":328.745,"end":328.905,"confidence":0.44839415,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.6150956749916077},{"word":"be","start":328.905,"end":329.145,"confidence":0.98747677,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.5666675567626953},{"word":"devastating","start":329.145,"end":329.645,"confidence":0.8709595,"punctuated_word":"devastating,","sentiment":"negative","sentiment_score":-0.5541434288024902},{"word":"but","start":329.94498,"end":330.44498,"confidence":0.99946874,"punctuated_word":"but","sentiment":"negative","sentiment_score":-0.358104944229126},{"word":"i","start":330.745,"end":331.145,"confidence":0.9992663,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5942459106445312},{"word":"still","start":331.145,"end":331.465,"confidence":0.99831116,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.6233680248260498},{"word":"don't","start":331.465,"end":331.705,"confidence":0.9998956,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.6350637674331665},{"word":"want","start":331.705,"end":331.94498,"confidence":0.9983442,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.590424656867981},{"word":"him","start":331.94498,"end":332.185,"confidence":0.9996264,"punctuated_word":"him","sentiment":"negative","sentiment_score":-0.6432631015777588},{"word":"to","start":332.185,"end":332.26498,"confidence":0.99939847,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6681854724884033},{"word":"get","start":332.26498,"end":332.425,"confidence":0.9998142,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.7118829488754272},{"word":"my","start":332.425,"end":332.66498,"confidence":0.99925214,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.7160311937332153},{"word":"money","start":332.66498,"end":333.06497,"confidence":0.96890306,"punctuated_word":"money.","sentiment":"negative","sentiment_score":-0.48190727829933167},{"word":"so","start":333.06497,"end":333.56497,"confidence":0.9080746,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.24453015625476837},{"word":"yeah","start":333.705,"end":333.94498,"confidence":0.99450165,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.30637338757514954},{"word":"i","start":333.94498,"end":334.10498,"confidence":0.99919504,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3906210362911224},{"word":"don't","start":334.10498,"end":334.34497,"confidence":0.99799323,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.3074875473976135},{"word":"know","start":334.34497,"end":334.66498,"confidence":0.99841154,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.26645225286483765},{"word":"what's","start":334.66498,"end":334.985,"confidence":0.7611877,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.3064660429954529},{"word":"my","start":334.985,"end":335.4,"confidence":0.9539743,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.31718844175338745},{"word":"yeah","start":338.6,"end":339.1,"confidence":0.99336076,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.16278110444545746},{"word":"yeah","start":348.75998,"end":349.25998,"confidence":0.9925107,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08438007533550262},{"word":"okay","start":353.61502,"end":354.095,"confidence":0.98285484,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04368220269680023},{"word":"yeah","start":354.095,"end":354.595,"confidence":0.8310337,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03071114607155323},{"word":"yeah","start":354.655,"end":355.155,"confidence":0.9801811,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017297280952334404},{"word":"yeah","start":355.215,"end":355.715,"confidence":0.9184049,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004264061339199543},{"word":"yeah","start":363.935,"end":364.17502,"confidence":0.8170687,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026025429368019104},{"word":"okay","start":364.17502,"end":364.67502,"confidence":0.75734246,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03221729025244713},{"word":"yep","start":369.52002,"end":370.02002,"confidence":0.88806814,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0970645546913147},{"word":"yes","start":379.92,"end":380.42,"confidence":0.7462922,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.102939635515213},{"word":"yeah","start":384.305,"end":384.805,"confidence":0.6273093,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11026933789253236},{"word":"yeah","start":385.025,"end":385.265,"confidence":0.9753898,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07717610895633698},{"word":"right","start":385.265,"end":385.765,"confidence":0.9769025,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.12782271206378937},{"word":"yeah","start":386.545,"end":387.045,"confidence":0.7589916,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2268505096435547},{"word":"okay","start":388.785,"end":389.285,"confidence":0.7789588,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.023306775838136673},{"word":"yeah","start":389.345,"end":389.745,"confidence":0.9956066,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.007571300491690636},{"word":"yeah","start":389.745,"end":390.065,"confidence":0.9712063,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011549804359674454},{"word":"alright","start":390.065,"end":390.565,"confidence":0.9907499,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.051267579197883606},{"word":"okay","start":391.025,"end":391.525,"confidence":0.9697927,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.035613078624010086},{"word":"yep","start":393.985,"end":394.485,"confidence":0.7951625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.051331810653209686},{"word":"yep","start":396.44,"end":396.94,"confidence":0.99224067,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.030747270211577415},{"word":"okay","start":403.4,"end":403.9,"confidence":0.9973502,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.020282702520489693},{"word":"yeah","start":422.59,"end":422.99002,"confidence":0.8955977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09158346056938171},{"word":"yeah","start":422.99002,"end":423.31,"confidence":0.9995676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1113692745566368},{"word":"no","start":423.31,"end":423.71002,"confidence":0.9858972,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15304207801818848},{"word":"okay","start":423.71002,"end":424.03,"confidence":0.9991832,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.06585023552179337},{"word":"yeah","start":424.03,"end":424.35,"confidence":0.99971557,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0250149630010128},{"word":"well","start":424.35,"end":424.75,"confidence":0.82157314,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.020186901092529297},{"word":"okay","start":424.75,"end":425.07,"confidence":0.91668785,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.05305337905883789},{"word":"let's","start":425.07,"end":425.39,"confidence":0.9982115,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.07012423127889633},{"word":"split","start":425.39,"end":425.63,"confidence":0.9947885,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.03594207763671875},{"word":"it","start":425.63,"end":425.79,"confidence":0.9501437,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05231073498725891},{"word":"between","start":425.79,"end":426.11002,"confidence":0.998355,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.028882913291454315},{"word":"the","start":426.11002,"end":426.35,"confidence":0.9986482,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09587878733873367},{"word":"kids","start":426.35,"end":426.85,"confidence":0.74944437,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.057559866458177567},{"word":"if","start":427.31,"end":427.55002,"confidence":0.69762486,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08824211359024048},{"word":"that's","start":427.55002,"end":427.79,"confidence":0.9983502,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03564916551113129},{"word":"what","start":427.79,"end":428.03,"confidence":0.9994504,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.006891779601573944},{"word":"you","start":428.03,"end":428.19,"confidence":0.997632,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0340462252497673},{"word":"reckon","start":428.19,"end":428.51,"confidence":0.771487,"punctuated_word":"reckon,","sentiment":"neutral","sentiment_score":0.013536371290683746},{"word":"and","start":428.51,"end":428.67,"confidence":0.99848396,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04662669450044632},{"word":"then","start":428.67,"end":428.99002,"confidence":0.9331358,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.03573521971702576},{"word":"yeah","start":428.99002,"end":429.23,"confidence":0.99093676,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03942791372537613},{"word":"i'll","start":429.23,"end":429.47,"confidence":0.999285,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05414801090955734},{"word":"do","start":429.47,"end":429.97,"confidence":0.9999019,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0372861847281456},{"word":"how","start":430.67,"end":430.91,"confidence":0.9699081,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.002982132136821747},{"word":"much","start":430.91,"end":431.15002,"confidence":0.99957293,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.003469400107860565},{"word":"does","start":431.15002,"end":431.31,"confidence":0.9966988,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.013667009770870209},{"word":"it","start":431.31,"end":431.47,"confidence":0.9913396,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0015263333916664124},{"word":"cost","start":431.47,"end":431.79,"confidence":0.99901843,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.024884797632694244},{"word":"to","start":431.79,"end":431.87,"confidence":0.9892396,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011064402759075165},{"word":"do","start":431.87,"end":432.03,"confidence":0.9816129,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.016338922083377838},{"word":"a","start":432.03,"end":432.19,"confidence":0.8186285,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006671871989965439},{"word":"will","start":432.19,"end":432.69,"confidence":0.74520254,"punctuated_word":"Will?","sentiment":"neutral","sentiment_score":0.014395702630281448},{"word":"mhmm","start":433.335,"end":433.835,"confidence":0.95223826,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.042211126536130905},{"word":"yeah","start":440.615,"end":441.115,"confidence":0.7717291,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04618598148226738},{"word":"okay","start":442.215,"end":442.715,"confidence":0.8040543,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.00576573284342885},{"word":"yeah","start":444.29498,"end":444.615,"confidence":0.68842465,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06157129257917404},{"word":"yeah","start":444.615,"end":445.115,"confidence":0.64113164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06721688061952591},{"word":"yeah","start":460.55,"end":460.94998,"confidence":0.8417977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07441666722297668},{"word":"okay","start":460.94998,"end":461.43,"confidence":0.9835192,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0837118849158287},{"word":"yeah","start":461.43,"end":461.75,"confidence":0.932301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09158189594745636},{"word":"yeah","start":461.75,"end":462.25,"confidence":0.95767105,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10379332304000854},{"word":"yeah","start":462.535,"end":463.035,"confidence":0.6686293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09541362524032591},{"word":"yeah","start":472.455,"end":472.955,"confidence":0.73699975,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05786757916212082},{"word":"yep","start":475.975,"end":476.475,"confidence":0.84268284,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06310805678367615},{"word":"okay","start":477.29,"end":477.79,"confidence":0.99898326,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.023001059889793396},{"word":"alright","start":477.85,"end":478.25,"confidence":0.99897814,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.07291975617408752},{"word":"yep","start":478.25,"end":478.57,"confidence":0.97989625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06383121013641357},{"word":"so","start":478.57,"end":478.81,"confidence":0.9991007,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11503758281469344},{"word":"you","start":478.81,"end":479.05,"confidence":0.9617487,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2428739368915558},{"word":"don't","start":479.05,"end":479.29,"confidence":0.8817499,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1874268501996994},{"word":"do","start":479.29,"end":479.53,"confidence":0.9889099,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.25204771757125854},{"word":"you","start":479.69,"end":479.85,"confidence":0.9910444,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.28745296597480774},{"word":"don't","start":479.85,"end":480.17,"confidence":0.9869542,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.24202358722686768},{"word":"offer","start":480.17,"end":480.57,"confidence":0.9986141,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":-0.2575640082359314},{"word":"anything","start":480.57,"end":481.05,"confidence":0.9995395,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.21907636523246765},{"word":"like","start":481.05,"end":481.37,"confidence":0.9989961,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.290997177362442},{"word":"that","start":481.37,"end":481.69,"confidence":0.8705037,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.24714846909046173},{"word":"or","start":481.69,"end":481.93,"confidence":0.99482024,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.31775233149528503},{"word":"yeah","start":487.61,"end":488.11,"confidence":0.9007964,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1008446365594864},{"word":"okay","start":488.17,"end":488.67,"confidence":0.94853574,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.055648073554039},{"word":"yeah","start":494.185,"end":494.505,"confidence":0.9036938,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01370023749768734},{"word":"okay","start":494.505,"end":494.98502,"confidence":0.9988244,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.008111542090773582},{"word":"alright","start":494.98502,"end":495.385,"confidence":0.998672,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.006622945424169302},{"word":"no","start":495.385,"end":495.625,"confidence":0.995062,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2289833426475525},{"word":"no","start":495.625,"end":495.86502,"confidence":0.9991374,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.31156009435653687},{"word":"that's","start":495.86502,"end":496.105,"confidence":0.99934053,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.259040892124176},{"word":"alright","start":496.105,"end":496.585,"confidence":0.99840844,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.14721623063087463},{"word":"so","start":496.585,"end":496.905,"confidence":0.99934274,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07998252660036087},{"word":"i","start":496.905,"end":497.065,"confidence":0.9987501,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07720460742712021},{"word":"gotta","start":497.065,"end":497.385,"confidence":0.8179559,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.059748515486717224},{"word":"look","start":497.385,"end":497.545,"confidence":0.997003,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.07507800310850143},{"word":"into","start":497.545,"end":497.945,"confidence":0.9982311,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.03720179200172424},{"word":"i'll","start":498.025,"end":498.345,"confidence":0.8390522,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.08026504516601562},{"word":"so","start":498.42502,"end":498.665,"confidence":0.99724716,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.061876922845840454},{"word":"i'll","start":498.665,"end":498.905,"confidence":0.99879485,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.04561292380094528},{"word":"just","start":498.905,"end":499.225,"confidence":0.9992168,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02920980006456375},{"word":"look","start":499.225,"end":499.385,"confidence":0.99673635,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.034282125532627106},{"word":"into","start":499.385,"end":499.70502,"confidence":0.9956585,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.012697391211986542},{"word":"doing","start":499.70502,"end":499.945,"confidence":0.99956805,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.04883156716823578},{"word":"a","start":499.945,"end":500.105,"confidence":0.9888987,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03681427985429764},{"word":"will","start":500.105,"end":500.505,"confidence":0.8008963,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.05080649256706238},{"word":"in","start":500.505,"end":500.665,"confidence":0.99773395,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.041521817445755005},{"word":"the","start":500.665,"end":500.825,"confidence":0.9995437,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06994202733039856},{"word":"next","start":500.825,"end":501.225,"confidence":0.8973336,"punctuated_word":"next,","sentiment":"neutral","sentiment_score":-0.05132902041077614},{"word":"what","start":501.225,"end":501.545,"confidence":0.99312085,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":-0.08139011263847351},{"word":"twelve","start":501.545,"end":501.865,"confidence":0.99974626,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.07261817157268524},{"word":"months","start":501.865,"end":502.265,"confidence":0.83879256,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.056538574397563934},{"word":"you","start":502.265,"end":502.42502,"confidence":0.839309,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06075894087553024},{"word":"say","start":502.42502,"end":502.92502,"confidence":0.8085395,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":-0.03584291413426399},{"word":"or","start":504.15002,"end":504.47,"confidence":0.87424296,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.030147306621074677},{"word":"six","start":504.47,"end":504.79,"confidence":0.7877899,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.020848669111728668},{"word":"months","start":504.79,"end":505.29,"confidence":0.48702103,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":-0.036522507667541504},{"word":"yep","start":509.03,"end":509.53,"confidence":0.78781354,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01851046085357666},{"word":"yep","start":511.03,"end":511.53,"confidence":0.9099581,"punctuated_word":"Yep.","sentiment":"negative","sentiment_score":-0.34304773807525635},{"word":"yeah","start":515.59,"end":516.09,"confidence":0.76646584,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2970222234725952},{"word":"okay","start":519.125,"end":519.625,"confidence":0.9924978,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0071050748229026794},{"word":"yeah","start":528.24506,"end":528.74506,"confidence":0.9697287,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07543273270130157},{"word":"yeah","start":532.19,"end":532.59,"confidence":0.9965929,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09956134855747224},{"word":"well","start":532.59,"end":532.91003,"confidence":0.989264,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05427377298474312},{"word":"i'll","start":532.91003,"end":533.15,"confidence":0.9903642,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07247953116893768},{"word":"i'll","start":533.15,"end":533.47003,"confidence":0.99812806,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.051987797021865845},{"word":"work","start":533.47003,"end":533.79004,"confidence":0.99826753,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.06375403702259064},{"word":"on","start":533.79004,"end":533.95,"confidence":0.9992893,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11387141048908234},{"word":"giving","start":533.95,"end":534.35004,"confidence":0.99920386,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":-0.0007231086492538452},{"word":"myself","start":534.35004,"end":534.83,"confidence":0.9987583,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.024091467261314392},{"word":"six","start":534.83,"end":535.07,"confidence":0.9995129,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.008118659257888794},{"word":"months","start":535.07,"end":535.47003,"confidence":0.9998841,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.02376013994216919},{"word":"to","start":535.47003,"end":535.63,"confidence":0.99980885,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04935495555400848},{"word":"do","start":535.63,"end":535.87,"confidence":0.99971837,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01481790840625763},{"word":"the","start":535.87,"end":536.03,"confidence":0.9988882,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08172260224819183},{"word":"will","start":536.03,"end":536.53,"confidence":0.97965604,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.11991456151008606},{"word":"i'll","start":537.15,"end":537.55005,"confidence":0.9550867,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13072195649147034},{"word":"i'll","start":537.55005,"end":537.95,"confidence":0.99101603,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10163586586713792},{"word":"talk","start":537.95,"end":538.19,"confidence":0.9973603,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.0909074693918228},{"word":"to","start":538.19,"end":538.35004,"confidence":0.9965497,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09899574518203735},{"word":"i'll","start":538.43005,"end":538.67004,"confidence":0.99477285,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07710270583629608},{"word":"go","start":538.67004,"end":538.91003,"confidence":0.98897284,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11073178052902222},{"word":"i'll","start":538.99005,"end":539.15,"confidence":0.99963593,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0978602170944214},{"word":"get","start":539.15,"end":539.31,"confidence":0.9996625,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09962646663188934},{"word":"some","start":539.31,"end":539.63,"confidence":0.99892956,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08332977443933487},{"word":"advice","start":539.63,"end":540.03,"confidence":0.9922166,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.07688898593187332},{"word":"and","start":540.03,"end":540.19,"confidence":0.9570242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09018290042877196},{"word":"whatnot","start":540.19,"end":540.69,"confidence":0.9677258,"punctuated_word":"whatnot","sentiment":"neutral","sentiment_score":0.08980461955070496},{"word":"because","start":541.79004,"end":542.19,"confidence":0.78658056,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.10198867321014404},{"word":"yeah","start":542.19,"end":542.43005,"confidence":0.9884975,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1180013194680214},{"word":"i","start":542.43005,"end":542.59,"confidence":0.99951386,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11598189175128935},{"word":"might","start":542.59,"end":542.83,"confidence":0.99892575,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.10387222468852995},{"word":"have","start":542.83,"end":542.99005,"confidence":0.99960154,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11320161074399948},{"word":"an","start":542.99005,"end":543.15,"confidence":0.99783653,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09652344137430192},{"word":"old","start":543.15,"end":543.39,"confidence":0.99928147,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.09466715157032012},{"word":"barrister","start":543.39,"end":543.89,"confidence":0.994016,"punctuated_word":"barrister","sentiment":"neutral","sentiment_score":0.05856482312083244},{"word":"that","start":543.95,"end":544.11005,"confidence":0.99759597,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12244601547718048},{"word":"might","start":544.11005,"end":544.35004,"confidence":0.9995321,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1018327847123146},{"word":"be","start":544.35004,"end":544.51,"confidence":0.9992237,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1145218014717102},{"word":"able","start":544.51,"end":544.75,"confidence":0.9940263,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.13647869229316711},{"word":"to","start":544.75,"end":544.83,"confidence":0.99685365,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15260985493659973},{"word":"help","start":544.83,"end":544.99005,"confidence":0.9997625,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.12785235047340393},{"word":"me","start":544.99005,"end":545.415,"confidence":0.9995778,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14663128554821014},{"word":"as","start":545.415,"end":545.915,"confidence":0.9987207,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13476909697055817},{"word":"well","start":546.375,"end":546.875,"confidence":0.9979764,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09680669009685516},{"word":"so","start":547.57495,"end":548.055,"confidence":0.99835443,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07782541960477829},{"word":"if","start":548.055,"end":548.21497,"confidence":0.9004017,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07779402285814285},{"word":"i","start":548.21497,"end":548.535,"confidence":0.9386102,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":0.06769698113203049},{"word":"yeah","start":548.535,"end":548.855,"confidence":0.99931335,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.0655461847782135},{"word":"if","start":548.855,"end":549.01495,"confidence":0.99956113,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06428217142820358},{"word":"i","start":549.01495,"end":549.255,"confidence":0.99988437,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05181824415922165},{"word":"get","start":549.255,"end":549.57495,"confidence":0.9992138,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.044570066034793854},{"word":"a","start":549.57495,"end":549.735,"confidence":0.99965787,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0528351217508316},{"word":"will","start":549.735,"end":550.055,"confidence":0.91676664,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05460880696773529},{"word":"in","start":550.055,"end":550.21497,"confidence":0.999509,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.040178682655096054},{"word":"place","start":550.21497,"end":550.71497,"confidence":0.98456275,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.04393090307712555},{"word":"then","start":551.33496,"end":551.65497,"confidence":0.96767914,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03947361558675766},{"word":"do","start":551.65497,"end":551.815,"confidence":0.99815506,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.023122450336813927},{"word":"i","start":551.815,"end":552.295,"confidence":0.8203008,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":0.047128766775131226},{"word":"what","start":552.295,"end":552.695,"confidence":0.9837167,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":0.03818761557340622},{"word":"send","start":552.695,"end":553.01495,"confidence":0.9995679,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.021355021744966507},{"word":"you","start":553.01495,"end":553.51495,"confidence":0.9998253,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.031223665922880173},{"word":"a","start":554.055,"end":554.295,"confidence":0.9987779,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04086150974035263},{"word":"copy","start":554.295,"end":554.695,"confidence":0.9995664,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.03401770442724228},{"word":"of","start":554.695,"end":554.855,"confidence":0.9998716,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03748665004968643},{"word":"that","start":554.855,"end":555.095,"confidence":0.9998914,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04203572496771813},{"word":"will","start":555.095,"end":555.495,"confidence":0.7425047,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.04006371647119522},{"word":"or","start":555.495,"end":555.815,"confidence":0.999374,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.014596562832593918},{"word":"what","start":555.815,"end":556.055,"confidence":0.9994424,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01376304216682911},{"word":"happens","start":556.055,"end":556.555,"confidence":0.99599266,"punctuated_word":"happens?","sentiment":"neutral","sentiment_score":0.025518883019685745},{"word":"yeah","start":561.34,"end":561.84,"confidence":0.762378,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03987909108400345},{"word":"yeah","start":565.18,"end":565.68,"confidence":0.752501,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.061850886791944504},{"word":"okay","start":569.66003,"end":570.14,"confidence":0.9956191,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06977624446153641},{"word":"yeah","start":570.14,"end":570.46,"confidence":0.9987274,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06986832618713379},{"word":"alright","start":570.46,"end":570.7,"confidence":0.8125481,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.11590655893087388},{"word":"let's","start":570.7,"end":571.02,"confidence":0.99974966,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.12735335528850555},{"word":"do","start":571.02,"end":571.18,"confidence":0.99969244,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13526345789432526},{"word":"that","start":571.18,"end":571.42004,"confidence":0.9998679,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1521943360567093},{"word":"then","start":571.42004,"end":571.74,"confidence":0.99621296,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.1273573338985443},{"word":"yep","start":571.74,"end":572.24,"confidence":0.9964442,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06621769070625305},{"word":"yep","start":576.195,"end":576.51495,"confidence":0.9356115,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03618576005101204},{"word":"yep","start":576.51495,"end":577.01495,"confidence":0.9608644,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04512452706694603},{"word":"mhmm","start":584.435,"end":584.83496,"confidence":0.99037385,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0367150753736496},{"word":"yep","start":584.83496,"end":585.33496,"confidence":0.8406197,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.046773940324783325},{"word":"okay","start":589.24,"end":589.74,"confidence":0.9937031,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05170534923672676},{"word":"yep","start":594.36,"end":594.76,"confidence":0.7668514,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19299744069576263},{"word":"awesome","start":594.76,"end":595.26,"confidence":0.999568,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.4737764000892639},{"word":"alright","start":595.32,"end":595.8,"confidence":0.9956027,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.34419798851013184},{"word":"no","start":595.8,"end":596.04,"confidence":0.981145,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.31606346368789673},{"word":"that","start":596.04,"end":596.19995,"confidence":0.9988844,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.4796907305717468},{"word":"sounds","start":596.19995,"end":596.51996,"confidence":0.99654347,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.5526897311210632},{"word":"great","start":596.51996,"end":596.92,"confidence":0.99981403,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.4303441345691681},{"word":"yep","start":596.92,"end":597.42,"confidence":0.998335,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3358306586742401},{"word":"yep","start":607.095,"end":607.595,"confidence":0.9755975,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23177514970302585},{"word":"mhmm","start":618.45,"end":618.95,"confidence":0.9824598,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07508373260498047},{"word":"no","start":630.305,"end":630.705,"confidence":0.9719477,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11727114021778108},{"word":"i","start":630.705,"end":630.78503,"confidence":0.67527103,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.132204070687294},{"word":"don't","start":630.78503,"end":631.025,"confidence":0.99867857,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1036594733595848},{"word":"know","start":631.025,"end":631.185,"confidence":0.9798467,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12936784327030182},{"word":"my","start":631.185,"end":631.34503,"confidence":0.99592054,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.21589624881744385},{"word":"login","start":631.34503,"end":631.84503,"confidence":0.9717487,"punctuated_word":"login.","sentiment":"neutral","sentiment_score":-0.10488328337669373},{"word":"mhmm","start":643.26,"end":643.5,"confidence":0.87068784,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08119365572929382},{"word":"yep","start":643.5,"end":644.0,"confidence":0.83521765,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10859566926956175},{"word":"yep","start":647.1,"end":647.6,"confidence":0.7724975,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07141976803541183},{"word":"yeah","start":649.5,"end":650.0,"confidence":0.832457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09904389083385468},{"word":"yeah","start":655.205,"end":655.705,"confidence":0.9671212,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10884097218513487},{"word":"yeah","start":663.60504,"end":664.10504,"confidence":0.9411233,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06477866321802139},{"word":"yeah","start":664.325,"end":664.825,"confidence":0.9113213,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06524790823459625},{"word":"yeah","start":669.01996,"end":669.5,"confidence":0.9005183,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11229130625724792},{"word":"yeah","start":669.5,"end":670.0,"confidence":0.9348515,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1641659438610077},{"word":"mhmm","start":676.3,"end":676.8,"confidence":0.9993107,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07505784928798676},{"word":"yeah","start":685.105,"end":685.605,"confidence":0.90788835,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04665788263082504},{"word":"yeah","start":686.945,"end":687.445,"confidence":0.78954613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05361280590295792},{"word":"mhmm","start":691.505,"end":692.005,"confidence":0.8924264,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0241275392472744},{"word":"i'm","start":693.08997,"end":693.25,"confidence":0.45825788,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.016148075461387634},{"word":"i'm","start":693.25,"end":693.75,"confidence":0.63733864,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.018838539719581604},{"word":"doing","start":693.97,"end":694.37,"confidence":0.66065955,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":0.01841207593679428},{"word":"like","start":694.37,"end":694.52997,"confidence":0.99527776,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.023170851171016693},{"word":"one","start":694.52997,"end":694.85,"confidence":0.99853206,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0365765206515789},{"word":"percent","start":694.85,"end":695.17,"confidence":0.9970348,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.02341645583510399},{"word":"of","start":695.17,"end":695.41,"confidence":0.6237994,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01680108718574047},{"word":"something","start":695.41,"end":695.91,"confidence":0.75656486,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.009981835260987282},{"word":"yeah","start":697.56995,"end":698.06995,"confidence":0.7671194,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017904089763760567},{"word":"yeah","start":701.56995,"end":702.06995,"confidence":0.7403104,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01519109308719635},{"word":"yeah","start":704.20996,"end":704.70996,"confidence":0.7245954,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014434398151934149},{"word":"yeah","start":707.49,"end":707.81,"confidence":0.9597324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0012210803106427193},{"word":"right","start":707.81,"end":708.225,"confidence":0.8297187,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.005191675387322903},{"word":"yeah","start":709.505,"end":710.005,"confidence":0.990389,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009696521796286106},{"word":"okay","start":710.14496,"end":710.64496,"confidence":0.9792274,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0053519271314144135},{"word":"yeah","start":710.70496,"end":711.20496,"confidence":0.8979821,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01906436868011951},{"word":"mhmm","start":722.38495,"end":722.785,"confidence":0.99746245,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.07049548625946045},{"word":"mhmm","start":722.785,"end":723.285,"confidence":0.9845767,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.035437047481536865},{"word":"yeah","start":728.68,"end":729.18,"confidence":0.9456198,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029293719679117203},{"word":"okay","start":737.88,"end":738.04004,"confidence":0.78194964,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0884518176317215},{"word":"yeah","start":738.04004,"end":738.44,"confidence":0.93000984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12968112528324127},{"word":"yeah","start":738.44,"end":738.94,"confidence":0.9147892,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1653291881084442},{"word":"yep","start":744.285,"end":744.785,"confidence":0.75450695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2884555757045746},{"word":"yeah","start":748.20496,"end":748.685,"confidence":0.9791405,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15763401985168457},{"word":"yeah","start":748.685,"end":749.005,"confidence":0.9073167,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12280624359846117},{"word":"yeah","start":749.005,"end":749.505,"confidence":0.81759125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0826571136713028},{"word":"yeah","start":762.66,"end":763.16,"confidence":0.69290125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05375754460692406},{"word":"yeah","start":766.01996,"end":766.26996,"confidence":0.8411523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018082033842802048},{"word":"yeah","start":766.26996,"end":766.76996,"confidence":0.8784896,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.011020395904779434},{"word":"yeah","start":777.495,"end":777.57495,"confidence":0.96110594,"punctuated_word":"Yeah.","sentiment":"negative","sentiment_score":-0.3346826732158661},{"word":"i","start":777.57495,"end":777.735,"confidence":0.41656867,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5506910681724548},{"word":"can't","start":777.735,"end":778.055,"confidence":0.35480326,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.4739826619625091},{"word":"help","start":778.055,"end":778.555,"confidence":0.6735518,"punctuated_word":"help.","sentiment":"negative","sentiment_score":-0.4858540892601013},{"word":"yeah","start":788.71,"end":789.19,"confidence":0.7441585,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07702886313199997},{"word":"yeah","start":789.19,"end":789.58997,"confidence":0.9382299,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03325100243091583},{"word":"right","start":789.58997,"end":790.07,"confidence":0.4103216,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.01327762007713318},{"word":"yeah","start":790.07,"end":790.57,"confidence":0.8050511,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002720363438129425},{"word":"yeah","start":801.685,"end":802.185,"confidence":0.986753,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.055895477533340454},{"word":"yeah","start":810.97,"end":811.29,"confidence":0.96966255,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1890544593334198},{"word":"okay","start":811.29,"end":811.76996,"confidence":0.9878877,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2307915240526199},{"word":"yeah","start":811.76996,"end":812.08997,"confidence":0.99508727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29796263575553894},{"word":"if","start":812.08997,"end":812.33,"confidence":0.99740475,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.3573129177093506},{"word":"you","start":812.33,"end":812.49,"confidence":0.9988488,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34529638290405273},{"word":"believe","start":812.49,"end":812.81,"confidence":0.99233717,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.2818617820739746},{"word":"yeah","start":812.97,"end":813.29,"confidence":0.8238498,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.3953979015350342},{"word":"if","start":813.29,"end":813.52997,"confidence":0.99487716,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.4665035009384155},{"word":"you","start":813.52997,"end":813.69,"confidence":0.9997019,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.40568676590919495},{"word":"think","start":813.69,"end":813.93,"confidence":0.999838,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.3898622393608093},{"word":"that's","start":813.93,"end":814.17,"confidence":0.9982773,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4582908153533935},{"word":"what's","start":814.17,"end":814.41,"confidence":0.99556386,"punctuated_word":"what's","sentiment":"positive","sentiment_score":0.44608914852142334},{"word":"gonna","start":814.41,"end":814.89,"confidence":0.9979576,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.47757261991500854},{"word":"benefit","start":814.89,"end":815.29,"confidence":0.9897748,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5449954867362976},{"word":"me","start":815.29,"end":815.61,"confidence":0.9479341,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.4933704137802124},{"word":"definitely","start":815.61,"end":816.11,"confidence":0.9102656,"punctuated_word":"definitely.","sentiment":"positive","sentiment_score":0.4674028158187866},{"word":"yep","start":816.17,"end":816.67,"confidence":0.9884546,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.33074280619621277},{"word":"yeah","start":829.29504,"end":829.79504,"confidence":0.886305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14172109961509705},{"word":"mhmm","start":829.95,"end":830.45,"confidence":0.9189931,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07504251599311829},{"word":"yeah","start":836.6625,"end":837.1625,"confidence":0.9960977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07138640433549881},{"word":"yeah","start":848.335,"end":848.835,"confidence":0.7917542,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07996126264333725},{"word":"what","start":858.42,"end":858.66,"confidence":0.9524736,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.030705362558364868},{"word":"would","start":858.66,"end":858.9,"confidence":0.9955713,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.027438148856163025},{"word":"your","start":858.9,"end":859.22,"confidence":0.9865805,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03333456069231033},{"word":"advice","start":859.22,"end":859.7,"confidence":0.87592274,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.03870372474193573},{"word":"be","start":859.7,"end":859.94,"confidence":0.7972499,"punctuated_word":"be?","sentiment":"neutral","sentiment_score":-0.035202644765377045},{"word":"like","start":859.94,"end":860.42,"confidence":0.98605657,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.01340569369494915},{"word":"considering","start":860.42,"end":860.92,"confidence":0.9996376,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":-0.01721329241991043},{"word":"that","start":860.98,"end":861.22,"confidence":0.9229825,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.032116010785102844},{"word":"my","start":861.22,"end":861.54,"confidence":0.9507276,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02633112296462059},{"word":"age","start":861.54,"end":862.04,"confidence":0.99963033,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.023094069212675095},{"word":"and","start":862.1,"end":862.34,"confidence":0.9964307,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04422922059893608},{"word":"whatnot","start":862.34,"end":862.82,"confidence":0.95989114,"punctuated_word":"whatnot,","sentiment":"neutral","sentiment_score":-0.052749644964933395},{"word":"do","start":862.82,"end":862.98,"confidence":0.99910384,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07038864493370056},{"word":"you","start":862.98,"end":863.06,"confidence":0.9995172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.071235790848732},{"word":"think","start":863.06,"end":863.3,"confidence":0.9999535,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.10232210904359818},{"word":"i","start":863.3,"end":863.46,"confidence":0.9981298,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09765484929084778},{"word":"could","start":863.46,"end":863.96,"confidence":0.99992037,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.1252242475748062},{"word":"afford","start":864.26,"end":864.76,"confidence":0.9982685,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":-0.04610434174537659},{"word":"a","start":865.06,"end":865.14,"confidence":0.9987042,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04151125997304917},{"word":"bit","start":865.14,"end":865.38,"confidence":0.9966601,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05284469574689865},{"word":"higher","start":865.38,"end":865.7,"confidence":0.97757894,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.015052661299705504},{"word":"investments","start":865.7,"end":866.2,"confidence":0.9864152,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.011413514614105225},{"word":"for","start":866.42,"end":866.82,"confidence":0.99638486,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.004157230257987976},{"word":"better","start":866.82,"end":867.14,"confidence":0.92140394,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.060195744037628174},{"word":"gain","start":867.14,"end":867.54,"confidence":0.81858027,"punctuated_word":"gain,","sentiment":"neutral","sentiment_score":0.05997086316347122},{"word":"or","start":867.54,"end":867.86,"confidence":0.9996555,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.040352240204811096},{"word":"do","start":867.86,"end":868.02,"confidence":0.9997178,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05999515578150749},{"word":"you","start":868.02,"end":868.1,"confidence":0.99904734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05498751625418663},{"word":"think","start":868.1,"end":868.42,"confidence":0.9995441,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0808282196521759},{"word":"i'm","start":868.42,"end":868.58,"confidence":0.99859834,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0875769853591919},{"word":"better","start":868.58,"end":868.82,"confidence":0.99909294,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.10956022143363953},{"word":"off","start":868.82,"end":868.9,"confidence":0.965452,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.05559048429131508},{"word":"taking","start":868.9,"end":869.22,"confidence":0.99768937,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.005679875612258911},{"word":"the","start":869.22,"end":869.46,"confidence":0.8662727,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006426751613616943},{"word":"soft","start":869.46,"end":869.7,"confidence":0.30774456,"punctuated_word":"soft","sentiment":"neutral","sentiment_score":0.004749856889247894},{"word":"safer","start":869.86,"end":870.26,"confidence":0.9716034,"punctuated_word":"safer","sentiment":"neutral","sentiment_score":-0.01207759603857994},{"word":"option","start":870.26,"end":870.76,"confidence":0.99871325,"punctuated_word":"option?","sentiment":"neutral","sentiment_score":-0.008827071636915207},{"word":"yeah","start":878.565,"end":879.065,"confidence":0.8243269,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013093750923871994},{"word":"yeah","start":881.285,"end":881.785,"confidence":0.9813609,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06888632476329803},{"word":"yeah","start":883.52496,"end":884.02496,"confidence":0.98200047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007906097918748856},{"word":"i","start":884.40497,"end":884.90497,"confidence":0.9234541,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06447368860244751},{"word":"yeah","start":888.07,"end":888.57,"confidence":0.92068446,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.062258344143629074},{"word":"yeah","start":893.99,"end":894.15,"confidence":0.9782937,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09793636202812196},{"word":"oh","start":894.15,"end":894.39,"confidence":0.7513611,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.13387203216552734},{"word":"okay","start":894.39,"end":894.89,"confidence":0.99878293,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.17063932120800018},{"word":"that's","start":895.03,"end":895.35004,"confidence":0.97981775,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2831798791885376},{"word":"got","start":895.35004,"end":895.59,"confidence":0.99782926,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3349488377571106},{"word":"better","start":895.59,"end":895.99,"confidence":0.99051124,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.2637292146682739},{"word":"returns","start":895.99,"end":896.39,"confidence":0.7460789,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.31098672747612},{"word":"but","start":896.39,"end":896.89,"confidence":0.82391596,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.21532587707042697},{"word":"yep","start":899.68506,"end":899.765,"confidence":0.9021752,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3715017437934875},{"word":"yeah","start":899.765,"end":900.265,"confidence":0.86296284,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4536324143409729},{"word":"yep","start":906.005,"end":906.505,"confidence":0.741864,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4724162518978119},{"word":"yeah","start":910.245,"end":910.745,"confidence":0.9754467,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16763606667518616},{"word":"yeah","start":911.25,"end":911.49,"confidence":0.99878335,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1408577561378479},{"word":"okay","start":911.49,"end":911.99,"confidence":0.99873424,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13842102885246277},{"word":"yeah","start":912.05,"end":912.37,"confidence":0.9993056,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13635458052158356},{"word":"well","start":912.37,"end":912.87,"confidence":0.9919884,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.14860102534294128},{"word":"i","start":912.93,"end":913.17,"confidence":0.84587264,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1415705680847168},{"word":"suppose","start":913.17,"end":913.65,"confidence":0.8261397,"punctuated_word":"suppose,","sentiment":"neutral","sentiment_score":0.1665254533290863},{"word":"yeah","start":913.65,"end":913.89,"confidence":0.9680073,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1624794900417328},{"word":"let's","start":913.89,"end":914.21,"confidence":0.9929838,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.15703734755516052},{"word":"give","start":914.21,"end":914.37,"confidence":0.8714084,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.17851634323596954},{"word":"it","start":914.37,"end":914.53,"confidence":0.99770135,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16193734109401703},{"word":"a","start":914.53,"end":914.61,"confidence":0.9872846,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14645737409591675},{"word":"go","start":914.61,"end":915.11,"confidence":0.99839103,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.1723076105117798},{"word":"yeah","start":923.09,"end":923.59,"confidence":0.80298424,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15893235802650452},{"word":"yeah","start":932.115,"end":932.515,"confidence":0.7852875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06841579079627991},{"word":"yeah","start":932.515,"end":932.915,"confidence":0.9194283,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08185377717018127},{"word":"alright","start":932.915,"end":933.415,"confidence":0.9931211,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.13678142428398132},{"word":"yep","start":933.475,"end":933.975,"confidence":0.9674882,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17225992679595947},{"word":"yeah","start":940.26,"end":940.76,"confidence":0.82475024,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10091963410377502},{"word":"yeah","start":943.46,"end":943.96,"confidence":0.88320154,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17266565561294556},{"word":"if","start":944.58,"end":944.74005,"confidence":0.9725419,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.3899477124214173},{"word":"you","start":944.74005,"end":944.98004,"confidence":0.8379731,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.3226301372051239},{"word":"yeah","start":944.98004,"end":945.30005,"confidence":0.9989196,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.3770812153816223},{"word":"if","start":945.30005,"end":945.38,"confidence":0.99781406,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4085720181465149},{"word":"you","start":945.38,"end":945.54004,"confidence":0.99955314,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3746612071990967},{"word":"can","start":945.54004,"end":945.78,"confidence":0.9937319,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28701159358024597},{"word":"twerk","start":945.78,"end":946.10004,"confidence":0.82055587,"punctuated_word":"twerk","sentiment":"neutral","sentiment_score":0.27849745750427246},{"word":"it","start":946.10004,"end":946.26,"confidence":0.9554039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21204054355621335},{"word":"just","start":946.26,"end":946.5,"confidence":0.99311936,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.25507229566574097},{"word":"to","start":946.5,"end":946.66003,"confidence":0.99940383,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2090145498514175},{"word":"get","start":946.66003,"end":946.9,"confidence":0.99962735,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2308759093284607},{"word":"a","start":946.9,"end":946.98004,"confidence":0.9996284,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23704034090042111},{"word":"little","start":946.98004,"end":947.22003,"confidence":0.99994755,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.19174425303936005},{"word":"bit","start":947.22003,"end":947.46,"confidence":0.99969184,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18732312321662903},{"word":"more","start":947.46,"end":947.86005,"confidence":0.78876114,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.22484132647514343},{"word":"like","start":947.86005,"end":948.10004,"confidence":0.96208465,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2363043576478958},{"word":"that","start":948.10004,"end":948.42004,"confidence":0.9976974,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32319366931915283},{"word":"percentage","start":948.42004,"end":948.92004,"confidence":0.77574617,"punctuated_word":"percentage,","sentiment":"neutral","sentiment_score":0.27074235677719116},{"word":"that","start":949.14,"end":949.38,"confidence":0.99939466,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3906422555446625},{"word":"1%","start":949.38,"end":950.10004,"confidence":0.99864244,"punctuated_word":"1%","sentiment":"neutral","sentiment_score":0.33301669359207153},{"word":"up","start":950.10004,"end":950.26,"confidence":0.9275074,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3000754415988922},{"word":"a","start":950.26,"end":950.34,"confidence":0.97206455,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2908904552459717},{"word":"bit","start":950.34,"end":950.58,"confidence":0.9885958,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.3178529739379883},{"word":"that'd","start":950.58,"end":950.9,"confidence":0.8764055,"punctuated_word":"that'd","sentiment":"positive","sentiment_score":0.5371248722076416},{"word":"be","start":950.9,"end":951.06006,"confidence":0.9989611,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5269959568977356},{"word":"awesome","start":951.06006,"end":951.56006,"confidence":0.9996059,"punctuated_word":"awesome.","sentiment":"positive","sentiment_score":0.49870628118515015},{"word":"yeah","start":951.62006,"end":952.12006,"confidence":0.9973417,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.36179858446121216},{"word":"because","start":953.065,"end":953.385,"confidence":0.9796984,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.061490438878536224},{"word":"i","start":953.385,"end":953.545,"confidence":0.989312,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06062464043498039},{"word":"think","start":953.545,"end":953.785,"confidence":0.99176884,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05974031612277031},{"word":"in","start":953.785,"end":954.02496,"confidence":0.9760877,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11547555029392242},{"word":"my","start":954.02496,"end":954.52496,"confidence":0.99932826,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1119913011789322},{"word":"initial","start":954.665,"end":955.165,"confidence":0.9995665,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.10350627452135086},{"word":"call","start":955.225,"end":955.46497,"confidence":0.79209995,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.09183600544929504},{"word":"they","start":955.46497,"end":955.625,"confidence":0.72252524,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05431857705116272},{"word":"were","start":955.625,"end":955.785,"confidence":0.9627827,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.050241775810718536},{"word":"looking","start":955.785,"end":956.105,"confidence":0.9967501,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06237491965293884},{"word":"at","start":956.105,"end":956.265,"confidence":0.97514266,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05933666229248047},{"word":"getting","start":956.265,"end":956.505,"confidence":0.9411346,"punctuated_word":"getting,","sentiment":"neutral","sentiment_score":0.08341860771179199},{"word":"like","start":956.505,"end":956.985,"confidence":0.99845374,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08632324635982513},{"word":"11","start":956.985,"end":957.46497,"confidence":0.9989548,"punctuated_word":"11","sentiment":"neutral","sentiment_score":0.10251356661319733},{"word":"to","start":957.46497,"end":957.705,"confidence":0.9745986,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.086912602186203},{"word":"15%","start":957.705,"end":958.665,"confidence":0.99909943,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.1638398915529251},{"word":"or","start":958.665,"end":958.90497,"confidence":0.99739045,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12110738456249236},{"word":"something","start":958.90497,"end":959.385,"confidence":0.793437,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.05092889815568924},{"word":"like","start":959.385,"end":959.885,"confidence":0.9681848,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.04757598042488098},{"word":"so","start":960.505,"end":961.005,"confidence":0.9981998,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05935785919427872},{"word":"yeah","start":964.505,"end":965.005,"confidence":0.99465346,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.11393306404352188},{"word":"yeah","start":969.05,"end":969.55,"confidence":0.97900623,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14962834119796753},{"word":"yeah","start":974.49,"end":974.73,"confidence":0.91975373,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06007416173815727},{"word":"yeah","start":974.73,"end":975.13,"confidence":0.9827743,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06973056495189667},{"word":"okay","start":975.13,"end":975.52997,"confidence":0.9606213,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11117756366729736},{"word":"yeah","start":975.52997,"end":975.85,"confidence":0.8103491,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01462707482278347},{"word":"yep","start":975.85,"end":976.35,"confidence":0.8083603,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06267809122800827},{"word":"yeah","start":979.69,"end":980.19,"confidence":0.95814025,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03385777771472931},{"word":"yeah","start":984.405,"end":984.905,"confidence":0.97713,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13690069317817688},{"word":"okay","start":984.965,"end":985.285,"confidence":0.9971072,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1787180453538895},{"word":"let's","start":985.285,"end":985.605,"confidence":0.999554,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.18987977504730225},{"word":"do","start":985.605,"end":985.84503,"confidence":0.9997384,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1867147535085678},{"word":"that","start":985.84503,"end":986.085,"confidence":0.99945605,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.14812245965003967},{"word":"yeah","start":986.085,"end":986.405,"confidence":0.9995482,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07428853213787079},{"word":"no","start":986.405,"end":986.645,"confidence":0.99437314,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.06922268867492676},{"word":"definitely","start":986.645,"end":987.145,"confidence":0.9997423,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.32480382919311523},{"word":"mhmm","start":993.6,"end":994.1,"confidence":0.86129063,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02327415347099304},{"word":"yep","start":1000.7325,"end":1001.2325,"confidence":0.781246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05199771374464035},{"word":"yeah","start":1014.745,"end":1015.245,"confidence":0.93774927,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1874007284641266},{"word":"yeah","start":1018.665,"end":1019.165,"confidence":0.8001203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.060719192028045654},{"word":"yeah","start":1019.385,"end":1019.545,"confidence":0.9317783,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.051834531128406525},{"word":"okay","start":1019.545,"end":1020.045,"confidence":0.95972884,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.10925646126270294},{"word":"yeah","start":1025.11,"end":1025.51,"confidence":0.89055085,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.053083062171936035},{"word":"right","start":1025.51,"end":1026.01,"confidence":0.9790193,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.03288578987121582},{"word":"yeah","start":1026.0701,"end":1026.5701,"confidence":0.9748473,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026050277054309845},{"word":"yep","start":1037.3351,"end":1037.8151,"confidence":0.7777221,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04210289940237999},{"word":"yep","start":1037.8151,"end":1038.3151,"confidence":0.9532682,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09303655475378036},{"word":"yeah","start":1041.415,"end":1041.735,"confidence":0.98657465,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06562868505716324},{"word":"okay","start":1041.735,"end":1042.2151,"confidence":0.9925543,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06876309216022491},{"word":"yep","start":1042.2151,"end":1042.615,"confidence":0.83138,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07791481167078018},{"word":"yeah","start":1042.615,"end":1042.935,"confidence":0.99652076,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.058411840349435806},{"word":"no","start":1042.935,"end":1043.175,"confidence":0.9527689,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.009532753378152847},{"word":"definitely","start":1043.175,"end":1043.675,"confidence":0.9936595,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.14400087296962738},{"word":"yep","start":1043.9751,"end":1044.4751,"confidence":0.99833846,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23430612683296204},{"word":"yep","start":1055.53,"end":1056.03,"confidence":0.80753565,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08538736402988434},{"word":"yep","start":1058.25,"end":1058.75,"confidence":0.8674245,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11247457563877106},{"word":"okay","start":1058.8099,"end":1059.29,"confidence":0.98590505,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14941120147705078},{"word":"yep","start":1059.29,"end":1059.69,"confidence":0.9938103,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18793392181396484},{"word":"sweet","start":1059.69,"end":1060.1699,"confidence":0.98982394,"punctuated_word":"Sweet.","sentiment":"positive","sentiment_score":0.43687203526496887},{"word":"yep","start":1060.1699,"end":1060.6699,"confidence":0.99750787,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.006735437549650669},{"word":"yep","start":1068.965,"end":1069.465,"confidence":0.92206115,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10939836502075195},{"word":"yep","start":1070.4049,"end":1070.9049,"confidence":0.8067256,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1868339627981186},{"word":"yep","start":1074.56,"end":1075.06,"confidence":0.9749917,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09937003254890442},{"word":"okay","start":1076.16,"end":1076.48,"confidence":0.9872987,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.23259413242340088},{"word":"cool","start":1076.48,"end":1076.8,"confidence":0.99757767,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.346127450466156},{"word":"yep","start":1076.8,"end":1077.3,"confidence":0.97648287,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16764728724956512},{"word":"yep","start":1082.4,"end":1082.9,"confidence":0.9883838,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04635429382324219},{"word":"yep","start":1083.2001,"end":1083.7001,"confidence":0.8096594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03081030771136284},{"word":"yep","start":1085.76,"end":1086.26,"confidence":0.7950118,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04921692609786987},{"word":"yep","start":1088.9349,"end":1089.4349,"confidence":0.7624475,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05725698918104172},{"word":"yep","start":1094.375,"end":1094.875,"confidence":0.9855778,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05995642766356468},{"word":"yep","start":1096.375,"end":1096.875,"confidence":0.97310996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1550077199935913},{"word":"yeah","start":1103.85,"end":1104.3301,"confidence":0.9498628,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07262933999300003},{"word":"yeah","start":1104.3301,"end":1104.8301,"confidence":0.78308535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08546170592308044},{"word":"maybe","start":1105.77,"end":1106.17,"confidence":0.9941512,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.1476624608039856},{"word":"a","start":1106.17,"end":1106.25,"confidence":0.99930704,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10228337347507475},{"word":"little","start":1106.25,"end":1106.49,"confidence":0.9998963,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10611961781978609},{"word":"bit","start":1106.49,"end":1106.73,"confidence":0.99926156,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10544832795858385},{"word":"more","start":1106.73,"end":1107.13,"confidence":0.7236768,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.07333528995513916},{"word":"but","start":1107.13,"end":1107.29,"confidence":0.867667,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.035402677953243256},{"word":"yeah","start":1107.4501,"end":1107.9501,"confidence":0.9777061,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04441329836845398},{"word":"i'd","start":1108.09,"end":1108.41,"confidence":0.79247373,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.04852568730711937},{"word":"say","start":1108.41,"end":1108.73,"confidence":0.9964832,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.07696908712387085},{"word":"that's","start":1108.73,"end":1109.05,"confidence":0.9919937,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1130528450012207},{"word":"my","start":1109.05,"end":1109.29,"confidence":0.9681828,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12864114344120026},{"word":"base","start":1109.29,"end":1109.79,"confidence":0.9979045,"punctuated_word":"base.","sentiment":"neutral","sentiment_score":0.14007332921028137},{"word":"yeah","start":1114.985,"end":1115.485,"confidence":0.93111163,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04811381176114082},{"word":"yep","start":1115.545,"end":1116.045,"confidence":0.8996515,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06495444476604462},{"word":"yep","start":1116.105,"end":1116.605,"confidence":0.9857513,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08835419267416},{"word":"i","start":1116.665,"end":1116.8251,"confidence":0.99550277,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09834304451942444},{"word":"think","start":1116.8251,"end":1117.145,"confidence":0.99977165,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08286869525909424},{"word":"i've","start":1117.145,"end":1117.305,"confidence":0.99777955,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11541952192783356},{"word":"been","start":1117.305,"end":1117.545,"confidence":0.99879897,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09472128003835678},{"word":"hitting","start":1117.545,"end":1117.865,"confidence":0.99859565,"punctuated_word":"hitting","sentiment":"neutral","sentiment_score":0.2235950529575348},{"word":"around","start":1117.865,"end":1118.105,"confidence":0.99947554,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.1856929510831833},{"word":"the","start":1118.105,"end":1118.265,"confidence":0.9025724,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1471596211194992},{"word":"100","start":1118.265,"end":1118.665,"confidence":0.99774027,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.17771941423416138},{"word":"mark","start":1118.665,"end":1119.165,"confidence":0.9975515,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":0.19980429112911224},{"word":"each","start":1119.225,"end":1119.4651,"confidence":0.99935836,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.11536597460508348},{"word":"year","start":1119.4651,"end":1119.9651,"confidence":0.9996289,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.08714871853590012},{"word":"just","start":1120.8251,"end":1121.0651,"confidence":0.78982157,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13061314821243286},{"word":"with","start":1121.0651,"end":1121.385,"confidence":0.9997161,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11855192482471466},{"word":"overtime","start":1121.385,"end":1121.885,"confidence":0.8910011,"punctuated_word":"overtime","sentiment":"neutral","sentiment_score":0.11436621844768524},{"word":"and","start":1121.9451,"end":1122.025,"confidence":0.99603266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10632108896970748},{"word":"whatnot","start":1122.025,"end":1122.525,"confidence":0.963754,"punctuated_word":"whatnot.","sentiment":"neutral","sentiment_score":0.10566823184490204},{"word":"so","start":1122.665,"end":1123.165,"confidence":0.99314547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2790173292160034},{"word":"yeah","start":1129.14,"end":1129.64,"confidence":0.99471915,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.175441712141037},{"word":"yep","start":1130.58,"end":1131.08,"confidence":0.8920554,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12363600730895996},{"word":"yep","start":1137.38,"end":1137.88,"confidence":0.96406305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08963203430175781},{"word":"no","start":1152.855,"end":1153.175,"confidence":0.8583384,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09607766568660736},{"word":"no","start":1153.175,"end":1153.495,"confidence":0.8561517,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1171782612800598},{"word":"nothing","start":1153.495,"end":1153.895,"confidence":0.93563306,"punctuated_word":"Nothing.","sentiment":"neutral","sentiment_score":-0.10767248272895812},{"word":"i","start":1153.895,"end":1154.2151,"confidence":0.97085595,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08744623512029648},{"word":"paid","start":1154.2151,"end":1154.535,"confidence":0.7535286,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.024974949657917023},{"word":"all","start":1154.535,"end":1154.775,"confidence":0.99898475,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.012329548597335815},{"word":"that","start":1154.775,"end":1155.015,"confidence":0.99654263,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04603145271539688},{"word":"out","start":1155.015,"end":1155.39,"confidence":0.87261,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.043512728065252304},{"word":"so","start":1156.91,"end":1156.99,"confidence":0.99875546,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.26475292444229126},{"word":"no","start":1157.0701,"end":1157.5701,"confidence":0.9838595,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.0006480962038040161},{"word":"look","start":1161.9501,"end":1162.4501,"confidence":0.8991595,"punctuated_word":"Look","sentiment":"neutral","sentiment_score":-0.03723709657788277},{"word":"at","start":1162.9501,"end":1163.4501,"confidence":0.9858269,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.008088435977697372},{"word":"yeah","start":1164.11,"end":1164.61,"confidence":0.98890305,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05862654000520706},{"word":"yep","start":1164.67,"end":1165.17,"confidence":0.9245037,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08931627124547958},{"word":"oh","start":1172.515,"end":1172.755,"confidence":0.6683447,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.08804228156805038},{"word":"i'm","start":1172.755,"end":1172.995,"confidence":0.9995131,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07724186778068542},{"word":"just","start":1172.995,"end":1173.235,"confidence":0.99972767,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0457543283700943},{"word":"trying","start":1173.235,"end":1173.4751,"confidence":0.97879744,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.08070507645606995},{"word":"to","start":1173.4751,"end":1173.635,"confidence":0.9953251,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10167911648750304},{"word":"do","start":1173.635,"end":1173.9551,"confidence":0.9995061,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12407440692186356},{"word":"savings","start":1173.9551,"end":1174.4551,"confidence":0.80737686,"punctuated_word":"savings.","sentiment":"neutral","sentiment_score":0.09428644180297852},{"word":"like","start":1174.515,"end":1174.915,"confidence":0.97136086,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.06492594629526138},{"word":"i'm","start":1174.915,"end":1175.035,"confidence":0.8657551,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0956745147705078},{"word":"for","start":1175.155,"end":1175.555,"confidence":0.93575513,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10410457849502563},{"word":"i'm","start":1175.7151,"end":1175.9551,"confidence":0.99993306,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09636854380369186},{"word":"trying","start":1175.9551,"end":1176.275,"confidence":0.9858046,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.13913041353225708},{"word":"to","start":1176.275,"end":1176.435,"confidence":0.99644744,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16579437255859375},{"word":"save","start":1176.435,"end":1176.755,"confidence":0.95366734,"punctuated_word":"save,","sentiment":"neutral","sentiment_score":0.1238887757062912},{"word":"like","start":1176.755,"end":1177.255,"confidence":0.7507078,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.09643299877643584},{"word":"like","start":1177.635,"end":1177.9551,"confidence":0.89562225,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08436919748783112},{"word":"$20","start":1177.9551,"end":1178.8351,"confidence":0.998863,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.2095579206943512},{"word":"this","start":1178.8351,"end":1179.155,"confidence":0.9993199,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16169559955596924},{"word":"year","start":1179.155,"end":1179.635,"confidence":0.9001459,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.14287057518959043},{"word":"like","start":1179.635,"end":1179.795,"confidence":0.997399,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.09602566063404085},{"word":"so","start":1180.1951,"end":1180.6951,"confidence":0.99839103,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1217990219593048},{"word":"my","start":1181.04,"end":1181.16,"confidence":0.79719555,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11856389790773392},{"word":"i","start":1181.28,"end":1181.52,"confidence":0.992942,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11539701372385024},{"word":"was","start":1181.52,"end":1181.8401,"confidence":0.99933726,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07210437953472137},{"word":"thinking","start":1181.8401,"end":1182.24,"confidence":0.9992761,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.15033520758152008},{"word":"of","start":1182.24,"end":1182.4801,"confidence":0.99958104,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17752550542354584},{"word":"doing","start":1182.4801,"end":1182.7201,"confidence":0.99988663,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.15803349018096924},{"word":"it","start":1182.7201,"end":1182.88,"confidence":0.9997137,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17413748800754547},{"word":"over","start":1182.88,"end":1183.2001,"confidence":0.9998679,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.13234373927116394},{"word":"two","start":1183.2001,"end":1183.3601,"confidence":0.99731666,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.11307110637426376},{"word":"years","start":1183.3601,"end":1183.8401,"confidence":0.99979645,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1516343653202057},{"word":"to","start":1183.8401,"end":1184.0,"confidence":0.9958411,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19995999336242676},{"word":"save","start":1184.0,"end":1184.5,"confidence":0.99173623,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.16277995705604553},{"word":"$40","start":1184.56,"end":1185.54,"confidence":0.90074015,"punctuated_word":"$40,","sentiment":"neutral","sentiment_score":0.1919657289981842},{"word":"$20","start":1185.6001,"end":1186.16,"confidence":0.9996621,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.16969135403633118},{"word":"a","start":1186.16,"end":1186.3201,"confidence":0.99851006,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1816316545009613},{"word":"year","start":1186.3201,"end":1186.8201,"confidence":0.9999223,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.15892140567302704},{"word":"and","start":1187.8401,"end":1188.16,"confidence":0.49194142,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00447966530919075},{"word":"whatnot","start":1188.16,"end":1188.66,"confidence":0.9028995,"punctuated_word":"whatnot.","sentiment":"neutral","sentiment_score":0.00024681538343429565},{"word":"but","start":1188.8,"end":1189.12,"confidence":0.803017,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.010526470839977264},{"word":"yeah","start":1189.12,"end":1189.6001,"confidence":0.9864465,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03633514419198036},{"word":"i'm","start":1189.6001,"end":1190.1001,"confidence":0.8274633,"punctuated_word":"I'm,","sentiment":"neutral","sentiment_score":0.027792474254965786},{"word":"like","start":1190.4801,"end":1190.8,"confidence":0.99987197,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.031932614743709564},{"word":"yeah","start":1191.04,"end":1191.54,"confidence":0.99443865,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0029974733479321003},{"word":"i'm","start":1191.68,"end":1191.92,"confidence":0.9979694,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10586190223693848},{"word":"i'm","start":1191.92,"end":1192.42,"confidence":0.99632454,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11053477972745895},{"word":"i'm","start":1192.56,"end":1192.8,"confidence":0.98296446,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1069515347480774},{"word":"getting","start":1192.8,"end":1193.2001,"confidence":0.99945766,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.08141031116247177},{"word":"there","start":1193.2001,"end":1193.4401,"confidence":0.99226016,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.09678496420383452},{"word":"because","start":1193.4401,"end":1193.76,"confidence":0.89602983,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11441373825073242},{"word":"i'm","start":1193.76,"end":1193.92,"confidence":0.9998665,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.21302585303783417},{"word":"getting","start":1193.92,"end":1194.0801,"confidence":0.999747,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.22311487793922424},{"word":"a","start":1194.0801,"end":1194.24,"confidence":0.99663925,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22077305614948273},{"word":"bit","start":1194.24,"end":1194.4801,"confidence":0.9963296,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.21402722597122192},{"word":"of","start":1194.4801,"end":1194.64,"confidence":0.97821486,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2754659652709961},{"word":"overtime","start":1194.64,"end":1195.14,"confidence":0.88981223,"punctuated_word":"overtime","sentiment":"neutral","sentiment_score":-0.2723248600959778},{"word":"at","start":1195.4401,"end":1195.6001,"confidence":0.9987643,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.29362741112709045},{"word":"the","start":1195.6001,"end":1195.68,"confidence":0.999647,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27083417773246765},{"word":"moment","start":1195.68,"end":1196.16,"confidence":0.89249665,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.1986716091632843},{"word":"so","start":1196.16,"end":1196.66,"confidence":0.9989945,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1902728974819183},{"word":"i","start":1197.145,"end":1197.625,"confidence":0.9994795,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25074198842048645},{"word":"i've","start":1198.025,"end":1198.525,"confidence":0.9062972,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2506088614463806},{"word":"got","start":1199.225,"end":1199.465,"confidence":0.94961786,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.27758392691612244},{"word":"some","start":1199.465,"end":1199.785,"confidence":0.98386776,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.28116679191589355},{"word":"cash","start":1199.785,"end":1200.105,"confidence":0.99114895,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.22747676074504852},{"word":"put","start":1200.105,"end":1200.345,"confidence":0.9730602,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.17903676629066467},{"word":"aside","start":1200.345,"end":1200.845,"confidence":0.96539485,"punctuated_word":"aside,","sentiment":"neutral","sentiment_score":-0.1750219464302063},{"word":"but","start":1201.065,"end":1201.385,"confidence":0.99963164,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2046910971403122},{"word":"i","start":1201.385,"end":1201.545,"confidence":0.9986791,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3408006727695465},{"word":"need","start":1201.545,"end":1201.785,"confidence":0.99079895,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.41646841168403625},{"word":"to","start":1201.785,"end":1202.1849,"confidence":0.6861353,"punctuated_word":"to,","sentiment":"negative","sentiment_score":-0.35790133476257324},{"word":"i","start":1202.1849,"end":1202.265,"confidence":0.9947396,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3788288533687592},{"word":"don't","start":1202.265,"end":1202.505,"confidence":0.9877547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.30540257692337036},{"word":"know","start":1202.505,"end":1202.665,"confidence":0.99366367,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.3950662612915039},{"word":"put","start":1202.665,"end":1202.905,"confidence":0.9712507,"punctuated_word":"put","sentiment":"negative","sentiment_score":-0.3918919563293457},{"word":"it","start":1202.905,"end":1202.985,"confidence":0.9937809,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4235760271549225},{"word":"into","start":1202.985,"end":1203.305,"confidence":0.99782324,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.3772904872894287},{"word":"something","start":1203.305,"end":1203.785,"confidence":0.99961346,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.41622525453567505},{"word":"that","start":1203.785,"end":1204.105,"confidence":0.9889215,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4074743390083313},{"word":"so","start":1204.1849,"end":1204.425,"confidence":0.99961346,"punctuated_word":"so","sentiment":"negative","sentiment_score":-0.43368807435035706},{"word":"i","start":1204.425,"end":1204.585,"confidence":0.99947196,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4075368642807007},{"word":"can't","start":1204.585,"end":1204.905,"confidence":0.976707,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.4264575839042664},{"word":"actually","start":1204.905,"end":1205.305,"confidence":0.99851674,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.4257701635360718},{"word":"touch","start":1205.305,"end":1205.545,"confidence":0.99891496,"punctuated_word":"touch","sentiment":"negative","sentiment_score":-0.4277346134185791},{"word":"it","start":1205.545,"end":1205.705,"confidence":0.999432,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.39625462889671326},{"word":"because","start":1205.705,"end":1205.945,"confidence":0.57356155,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.3890640139579773},{"word":"i","start":1205.945,"end":1206.105,"confidence":0.9940147,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4861015379428863},{"word":"find","start":1206.105,"end":1206.425,"confidence":0.7363321,"punctuated_word":"find","sentiment":"negative","sentiment_score":-0.5274837017059326},{"word":"when","start":1206.425,"end":1206.585,"confidence":0.94648707,"punctuated_word":"when","sentiment":"negative","sentiment_score":-0.4682767987251282},{"word":"i","start":1206.585,"end":1206.745,"confidence":0.99930024,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5149208307266235},{"word":"can","start":1206.745,"end":1206.905,"confidence":0.99971694,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.5270680785179138},{"word":"touch","start":1206.905,"end":1207.225,"confidence":0.9865936,"punctuated_word":"touch","sentiment":"negative","sentiment_score":-0.5201056003570557},{"word":"it","start":1207.225,"end":1207.625,"confidence":0.8431208,"punctuated_word":"it,","sentiment":"negative","sentiment_score":-0.46937626600265503},{"word":"that's","start":1207.625,"end":1208.105,"confidence":0.9848156,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.510574460029602},{"word":"that's","start":1208.105,"end":1208.505,"confidence":0.9994514,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.4925313591957092},{"word":"the","start":1208.505,"end":1208.665,"confidence":0.9990146,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.48079463839530945},{"word":"problem","start":1208.665,"end":1209.165,"confidence":0.9726541,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":-0.30790865421295166},{"word":"it's","start":1209.465,"end":1209.865,"confidence":0.989455,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08300839364528656},{"word":"easy","start":1209.865,"end":1210.265,"confidence":0.97864634,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.34508249163627625},{"word":"to","start":1210.265,"end":1210.425,"confidence":0.9883754,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3075791001319885},{"word":"access","start":1210.425,"end":1210.92,"confidence":0.9662171,"punctuated_word":"access.","sentiment":"neutral","sentiment_score":0.2875022292137146},{"word":"yeah","start":1212.36,"end":1212.86,"confidence":0.7905161,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059366583824157715},{"word":"yeah","start":1221.0801,"end":1221.5801,"confidence":0.84628844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07927669584751129},{"word":"yeah","start":1232.555,"end":1232.795,"confidence":0.9897648,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05787739157676697},{"word":"yeah","start":1232.795,"end":1233.295,"confidence":0.9691086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06148338317871094},{"word":"yeah","start":1233.3551,"end":1233.8551,"confidence":0.9311563,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09963145852088928},{"word":"thank","start":1236.555,"end":1236.9551,"confidence":0.9387833,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.009418830275535583},{"word":"you","start":1236.9551,"end":1237.4551,"confidence":0.98559296,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0788533091545105},{"word":"yeah","start":1237.755,"end":1238.155,"confidence":0.9716227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07352710515260696},{"word":"yeah","start":1238.155,"end":1238.655,"confidence":0.9569417,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13117127120494845},{"word":"yeah","start":1243.45,"end":1243.69,"confidence":0.9902241,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.046850644052028656},{"word":"no","start":1243.69,"end":1244.09,"confidence":0.87509865,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.004808899015188217},{"word":"yeah","start":1244.09,"end":1244.59,"confidence":0.843692,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011928752064704897},{"word":"yeah","start":1250.8099,"end":1251.13,"confidence":0.9955727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010330691933631895},{"word":"yeah","start":1251.13,"end":1251.53,"confidence":0.99737436,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0006892774254083633},{"word":"because","start":1251.53,"end":1252.01,"confidence":0.8358279,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.02158432826399803},{"word":"my","start":1252.01,"end":1252.25,"confidence":0.99784136,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.03442562744021416},{"word":"because","start":1252.41,"end":1252.91,"confidence":0.74504757,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.02849147655069828},{"word":"like","start":1253.13,"end":1253.37,"confidence":0.98061603,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03301894664764404},{"word":"i","start":1253.37,"end":1253.53,"confidence":0.9969795,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04940687119960785},{"word":"work","start":1253.53,"end":1253.77,"confidence":0.9985997,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.03276066109538078},{"word":"so","start":1253.985,"end":1254.225,"confidence":0.99956864,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.028642695397138596},{"word":"we","start":1254.225,"end":1254.385,"confidence":0.9991642,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0238826647400856},{"word":"work","start":1254.385,"end":1254.705,"confidence":0.9924166,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.022985734045505524},{"word":"nine","start":1254.705,"end":1254.945,"confidence":0.97996545,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.01854342222213745},{"word":"day","start":1254.945,"end":1255.1849,"confidence":0.9531891,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.0036508850753307343},{"word":"or","start":1255.1849,"end":1255.265,"confidence":0.7214373,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.004813328385353088},{"word":"fortnight","start":1255.265,"end":1255.765,"confidence":0.59002984,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":-0.03239741921424866},{"word":"and","start":1255.905,"end":1256.405,"confidence":0.998896,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01973169483244419},{"word":"so","start":1256.705,"end":1257.105,"confidence":0.9612327,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.027262093499302864},{"word":"on","start":1257.105,"end":1257.585,"confidence":0.9874671,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03384929895401001},{"word":"one","start":1257.585,"end":1257.985,"confidence":0.66642815,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03287505730986595},{"word":"one","start":1257.985,"end":1258.3049,"confidence":0.93338674,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03234858438372612},{"word":"week's","start":1258.3049,"end":1258.785,"confidence":0.8378079,"punctuated_word":"week's","sentiment":"neutral","sentiment_score":-0.026722734794020653},{"word":"a","start":1258.785,"end":1258.945,"confidence":0.97367495,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02313535287976265},{"word":"short","start":1258.945,"end":1259.265,"confidence":0.9993907,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.04937465116381645},{"word":"week","start":1259.265,"end":1259.745,"confidence":0.7546756,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.05969899147748947},{"word":"so","start":1259.745,"end":1260.145,"confidence":0.99951637,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06873750686645508},{"word":"i'll","start":1260.145,"end":1260.385,"confidence":0.9722503,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.06862860918045044},{"word":"like","start":1260.465,"end":1260.865,"confidence":0.99503005,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05093543976545334},{"word":"i","start":1260.865,"end":1261.1849,"confidence":0.9997539,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25137805938720703},{"word":"i","start":1261.1849,"end":1261.6849,"confidence":0.75873756,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2855755388736725},{"word":"can't","start":1261.905,"end":1262.3049,"confidence":0.99753153,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.24345754086971283},{"word":"save","start":1262.3049,"end":1262.625,"confidence":0.99258,"punctuated_word":"save","sentiment":"neutral","sentiment_score":-0.23125475645065308},{"word":"much","start":1262.625,"end":1262.945,"confidence":0.99810386,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.22428587079048157},{"word":"there","start":1262.945,"end":1263.265,"confidence":0.81827986,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.2178346216678619},{"word":"but","start":1263.265,"end":1263.4249,"confidence":0.9997285,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.14951807260513306},{"word":"on","start":1263.4249,"end":1263.665,"confidence":0.9986349,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1686820685863495},{"word":"the","start":1263.665,"end":1263.825,"confidence":0.9996977,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1331162452697754},{"word":"other","start":1263.825,"end":1264.065,"confidence":0.9997273,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.18781983852386477},{"word":"week","start":1264.065,"end":1264.465,"confidence":0.9890516,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.1413056254386902},{"word":"i","start":1264.465,"end":1264.625,"confidence":0.99978346,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1777651309967041},{"word":"get","start":1264.625,"end":1264.785,"confidence":0.90543973,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":-0.1985066533088684},{"word":"like","start":1264.785,"end":1265.105,"confidence":0.8279011,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.17560608685016632},{"word":"i","start":1265.105,"end":1265.265,"confidence":0.99918693,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21465016901493073},{"word":"don't","start":1265.265,"end":1265.4249,"confidence":0.99698955,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.20436561107635495},{"word":"know","start":1265.4249,"end":1265.825,"confidence":0.9436213,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.21728447079658508},{"word":"sometimes","start":1265.825,"end":1266.225,"confidence":0.9643863,"punctuated_word":"sometimes,","sentiment":"neutral","sentiment_score":-0.2280312180519104},{"word":"like","start":1266.225,"end":1266.465,"confidence":0.9921284,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2146228849887848},{"word":"$700","start":1266.465,"end":1267.585,"confidence":0.99801314,"punctuated_word":"$700","sentiment":"neutral","sentiment_score":-0.16817614436149597},{"word":"extra","start":1267.585,"end":1268.065,"confidence":0.8490267,"punctuated_word":"extra,","sentiment":"neutral","sentiment_score":-0.23912636935710907},{"word":"like","start":1268.065,"end":1268.43,"confidence":0.791337,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2338312864303589},{"word":"so","start":1268.67,"end":1268.9901,"confidence":0.99695694,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2817170321941376},{"word":"if","start":1268.9901,"end":1269.1901,"confidence":0.99589854,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2991594076156616},{"word":"i","start":1269.1901,"end":1269.39,"confidence":0.9994012,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2925053834915161},{"word":"could","start":1269.39,"end":1269.63,"confidence":0.9984413,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.3628263771533966},{"word":"put","start":1269.63,"end":1270.03,"confidence":0.99958056,"punctuated_word":"put","sentiment":"negative","sentiment_score":-0.33592355251312256},{"word":"that","start":1270.03,"end":1270.27,"confidence":0.9997775,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.29759252071380615},{"word":"away","start":1270.27,"end":1270.77,"confidence":0.9990809,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.26593053340911865},{"word":"and","start":1270.9901,"end":1271.2301,"confidence":0.98523605,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3247615396976471},{"word":"just","start":1271.2301,"end":1271.4701,"confidence":0.9998659,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.29600903391838074},{"word":"live","start":1271.4701,"end":1271.7101,"confidence":0.9630086,"punctuated_word":"live","sentiment":"neutral","sentiment_score":-0.3125258982181549},{"word":"off","start":1271.7101,"end":1271.9501,"confidence":0.99491817,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.26218464970588684},{"word":"my","start":1271.9501,"end":1272.1901,"confidence":0.97211087,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.28902971744537354},{"word":"base","start":1272.1901,"end":1272.6901,"confidence":0.9374989,"punctuated_word":"base,","sentiment":"neutral","sentiment_score":-0.2308322787284851},{"word":"then","start":1272.9901,"end":1273.4901,"confidence":0.99965274,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.25798946619033813},{"word":"that's","start":1273.9501,"end":1274.43,"confidence":0.92262703,"punctuated_word":"that's,","sentiment":"neutral","sentiment_score":-0.2443225234746933},{"word":"like","start":1274.43,"end":1274.67,"confidence":0.98065627,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2364570200443268},{"word":"that's","start":1274.67,"end":1274.9901,"confidence":0.999886,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.2323087751865387},{"word":"my","start":1274.9901,"end":1275.2301,"confidence":0.99948716,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2713550925254822},{"word":"plan","start":1275.2301,"end":1275.63,"confidence":0.99976236,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":-0.18587300181388855},{"word":"anyway","start":1275.63,"end":1276.03,"confidence":0.93757904,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.1885539144277573},{"word":"so","start":1276.03,"end":1276.27,"confidence":0.99789494,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06997751444578171},{"word":"but","start":1276.43,"end":1276.5901,"confidence":0.8444937,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.07407104223966599},{"word":"yeah","start":1276.5901,"end":1276.8301,"confidence":0.98665506,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04547493904829025},{"word":"i","start":1276.8301,"end":1277.3301,"confidence":0.9997595,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.053980521857738495},{"word":"i","start":1277.4701,"end":1277.7101,"confidence":0.737423,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.035380810499191284},{"word":"do","start":1277.7101,"end":1277.9501,"confidence":0.9993499,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02037827670574188},{"word":"have","start":1277.9501,"end":1278.1101,"confidence":0.99866056,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.053129471838474274},{"word":"i've","start":1278.27,"end":1278.43,"confidence":0.9718598,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.057650547474622726},{"word":"got","start":1278.43,"end":1278.67,"confidence":0.999813,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0489669144153595},{"word":"two","start":1278.67,"end":1278.91,"confidence":0.9989236,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.05703204870223999},{"word":"accounts","start":1278.91,"end":1279.39,"confidence":0.7319821,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":-0.03871984779834747},{"word":"so","start":1279.39,"end":1279.63,"confidence":0.9996718,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0195591002702713},{"word":"i'm","start":1279.63,"end":1279.87,"confidence":0.9998485,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03963589668273926},{"word":"gonna","start":1279.87,"end":1280.1101,"confidence":0.9980913,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04257803037762642},{"word":"go","start":1280.1101,"end":1280.3501,"confidence":0.99933535,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.05109591037034989},{"word":"and","start":1280.3501,"end":1280.67,"confidence":0.90327936,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05703141540288925},{"word":"sort","start":1280.67,"end":1281.0701,"confidence":0.99105716,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1234513595700264},{"word":"out","start":1281.0701,"end":1281.39,"confidence":0.76357436,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03630579262971878},{"word":"with","start":1281.39,"end":1281.675,"confidence":0.99852055,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12986360490322113},{"word":"my","start":1282.555,"end":1282.7151,"confidence":0.9992275,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1039319634437561},{"word":"local","start":1282.7151,"end":1283.1951,"confidence":0.9996111,"punctuated_word":"local","sentiment":"neutral","sentiment_score":-0.06658487766981125},{"word":"bank","start":1283.1951,"end":1283.5951,"confidence":0.99974805,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.05951343476772308},{"word":"and","start":1283.5951,"end":1283.8351,"confidence":0.9514302,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.049996428191661835},{"word":"just","start":1283.8351,"end":1284.0751,"confidence":0.9990933,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0709761381149292},{"word":"say","start":1284.0751,"end":1284.395,"confidence":0.9305546,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.05345246568322182},{"word":"like","start":1284.395,"end":1284.895,"confidence":0.96626455,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07388575375080109},{"word":"look","start":1284.9551,"end":1285.115,"confidence":0.76863146,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.04264546558260918},{"word":"i","start":1285.115,"end":1285.275,"confidence":0.9998312,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05380317568778992},{"word":"wanna","start":1285.275,"end":1285.515,"confidence":0.9909843,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.031149160116910934},{"word":"be","start":1285.515,"end":1285.675,"confidence":0.99715626,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06501312553882599},{"word":"able","start":1285.675,"end":1285.8351,"confidence":0.9700683,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.030759841203689575},{"word":"to","start":1285.8351,"end":1285.915,"confidence":0.9977163,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07723076641559601},{"word":"put","start":1285.915,"end":1286.155,"confidence":0.9956475,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.06428512930870056},{"word":"money","start":1286.155,"end":1286.4751,"confidence":0.9996865,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.07381249964237213},{"word":"in","start":1286.4751,"end":1286.635,"confidence":0.9995689,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07547017186880112},{"word":"here","start":1286.635,"end":1287.115,"confidence":0.8220415,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.1166122555732727},{"word":"but","start":1287.115,"end":1287.435,"confidence":0.9998312,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11649911105632782},{"word":"not","start":1287.435,"end":1287.675,"confidence":0.9994301,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.21989169716835025},{"word":"take","start":1287.675,"end":1287.8351,"confidence":0.99854714,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.31577637791633606},{"word":"it","start":1287.8351,"end":1287.995,"confidence":0.9988288,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.26827722787857056},{"word":"out","start":1287.995,"end":1288.155,"confidence":0.9981097,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2643362283706665},{"word":"unless","start":1288.155,"end":1288.555,"confidence":0.9345184,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.30253565311431885},{"word":"i","start":1288.555,"end":1288.795,"confidence":0.964088,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2353208065032959},{"word":"actually","start":1288.795,"end":1289.115,"confidence":0.9931104,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.248719185590744},{"word":"come","start":1289.115,"end":1289.3551,"confidence":0.9985311,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.22991429269313812},{"word":"into","start":1289.3551,"end":1289.675,"confidence":0.9519256,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.2110411375761032},{"word":"the","start":1289.675,"end":1289.915,"confidence":0.9981834,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2135070264339447},{"word":"bank","start":1289.915,"end":1290.395,"confidence":0.9425137,"punctuated_word":"bank.","sentiment":"neutral","sentiment_score":-0.165976420044899},{"word":"like","start":1290.395,"end":1290.895,"confidence":0.984363,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.1188112050294876},{"word":"i","start":1291.755,"end":1291.915,"confidence":0.9781406,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4790716171264648},{"word":"don't","start":1291.915,"end":1292.155,"confidence":0.99976707,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4687480926513672},{"word":"want","start":1292.155,"end":1292.395,"confidence":0.999064,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.4311966598033905},{"word":"and","start":1292.4751,"end":1292.7151,"confidence":0.9995678,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.41531649231910706},{"word":"i","start":1292.7151,"end":1292.795,"confidence":0.9997602,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4648899734020233},{"word":"don't","start":1292.795,"end":1293.115,"confidence":0.9996716,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4090315103530884},{"word":"have","start":1293.115,"end":1293.3551,"confidence":0.999172,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.37125226855278015},{"word":"a","start":1293.3551,"end":1293.515,"confidence":0.9942551,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.33008381724357605},{"word":"card","start":1293.515,"end":1293.755,"confidence":0.9919927,"punctuated_word":"card","sentiment":"neutral","sentiment_score":-0.23955583572387695},{"word":"for","start":1293.755,"end":1293.995,"confidence":0.99952495,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2913217544555664},{"word":"that","start":1293.995,"end":1294.3151,"confidence":0.999897,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3331817090511322},{"word":"account","start":1294.3151,"end":1294.8151,"confidence":0.9998859,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.2395566999912262},{"word":"or","start":1294.9099,"end":1295.07,"confidence":0.99232507,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2586818337440491},{"word":"whatever","start":1295.07,"end":1295.5499,"confidence":0.99727464,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":-0.09830088913440704},{"word":"well","start":1295.5499,"end":1295.7899,"confidence":0.9957083,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.036816082894802094},{"word":"i","start":1295.7899,"end":1295.87,"confidence":0.9995141,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06229090690612793},{"word":"do","start":1295.87,"end":1296.11,"confidence":0.994169,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06441675126552582},{"word":"for","start":1296.11,"end":1296.35,"confidence":0.9714868,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07691334187984467},{"word":"an","start":1296.35,"end":1296.4299,"confidence":0.83319896,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0898258239030838},{"word":"all","start":1296.4299,"end":1296.6699,"confidence":0.90424865,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07194588333368301},{"word":"access","start":1296.6699,"end":1297.1499,"confidence":0.9270364,"punctuated_word":"access,","sentiment":"neutral","sentiment_score":0.061914294958114624},{"word":"but","start":1297.1499,"end":1297.47,"confidence":0.98463345,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.047382887452840805},{"word":"like","start":1297.47,"end":1297.7899,"confidence":0.9992236,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04302823171019554},{"word":"there's","start":1297.7899,"end":1298.19,"confidence":0.9889032,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.03638763353228569},{"word":"i've","start":1298.4299,"end":1298.6699,"confidence":0.9996877,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.036591023206710815},{"word":"got","start":1298.6699,"end":1298.9099,"confidence":0.9802834,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.03868597373366356},{"word":"like","start":1298.9099,"end":1299.1499,"confidence":0.99905944,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.029672879725694656},{"word":"different","start":1299.1499,"end":1299.5499,"confidence":0.99957794,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.012928873300552368},{"word":"accounts","start":1299.5499,"end":1300.0299,"confidence":0.998752,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.009905826300382614},{"word":"off","start":1300.0299,"end":1300.2699,"confidence":0.5654697,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.010909317061305046},{"word":"that","start":1300.2699,"end":1300.6699,"confidence":0.9790354,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024382099509239197},{"word":"actual","start":1300.6699,"end":1301.07,"confidence":0.9991799,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":-0.005089841783046722},{"word":"bank","start":1301.07,"end":1301.5499,"confidence":0.90965796,"punctuated_word":"bank.","sentiment":"neutral","sentiment_score":0.01830801367759705},{"word":"so","start":1301.5499,"end":1302.0499,"confidence":0.91415346,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05210676789283752},{"word":"yeah","start":1302.4299,"end":1302.6699,"confidence":0.99468577,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.09096264839172365},{"word":"i","start":1302.6699,"end":1302.83,"confidence":0.9992335,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10954558849334715},{"word":"might","start":1302.83,"end":1303.07,"confidence":0.9977983,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.14986875653266907},{"word":"actually","start":1303.07,"end":1303.39,"confidence":0.9990927,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.10590561479330064},{"word":"look","start":1303.39,"end":1303.5499,"confidence":0.99972314,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08693987131118774},{"word":"at","start":1303.5499,"end":1303.71,"confidence":0.9989851,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10642663389444353},{"word":"doing","start":1303.71,"end":1304.0299,"confidence":0.99904007,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.10712379217147829},{"word":"that","start":1304.0299,"end":1304.19,"confidence":0.9998115,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1123611181974411},{"word":"because","start":1304.19,"end":1304.4299,"confidence":0.621633,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11346858739852904},{"word":"i","start":1304.4299,"end":1304.59,"confidence":0.9957866,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1656409502029419},{"word":"think","start":1304.59,"end":1304.75,"confidence":0.9999192,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1623983085155487},{"word":"that's","start":1304.75,"end":1304.99,"confidence":0.99929583,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1532800942659378},{"word":"the","start":1304.99,"end":1305.1499,"confidence":0.99819213,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11755204200744628},{"word":"only","start":1305.1499,"end":1305.39,"confidence":0.9993957,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.10247582942247392},{"word":"way","start":1305.39,"end":1305.47,"confidence":0.99493814,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.08892299979925156},{"word":"it's","start":1305.47,"end":1305.63,"confidence":0.99039733,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2188372313976288},{"word":"gonna","start":1305.63,"end":1305.95,"confidence":0.9966478,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.21475031971931455},{"word":"be","start":1305.95,"end":1306.11,"confidence":0.99550146,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2002730369567871},{"word":"safe","start":1306.11,"end":1306.35,"confidence":0.82278425,"punctuated_word":"safe.","sentiment":"neutral","sentiment_score":0.1286478340625763},{"word":"because","start":1306.35,"end":1306.6699,"confidence":0.99362564,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.1340673863887787},{"word":"while","start":1306.6699,"end":1306.9099,"confidence":0.9878687,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.10093104839324953},{"word":"it's","start":1306.9099,"end":1307.07,"confidence":0.9979379,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20873475074768064},{"word":"there","start":1307.07,"end":1307.3099,"confidence":0.9861375,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1997220665216446},{"word":"you","start":1307.3099,"end":1307.47,"confidence":0.99927026,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21980445086956024},{"word":"can","start":1307.47,"end":1307.63,"confidence":0.9997551,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2291482090950012},{"word":"just","start":1307.63,"end":1307.87,"confidence":0.99959856,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23136278986930847},{"word":"if","start":1308.675,"end":1308.8351,"confidence":0.99889827,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.28156930208206177},{"word":"you","start":1308.8351,"end":1308.915,"confidence":0.99908483,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2138797640800476},{"word":"can","start":1308.915,"end":1309.3151,"confidence":0.99959534,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21912123262882233},{"word":"access","start":1309.3151,"end":1309.635,"confidence":0.9989755,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.1737285554409027},{"word":"it","start":1309.635,"end":1309.875,"confidence":0.98991096,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.2395566999912262},{"word":"it's","start":1309.875,"end":1310.1151,"confidence":0.9993565,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.37272828817367554},{"word":"just","start":1310.1151,"end":1310.3551,"confidence":0.99890137,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.400342732667923},{"word":"too","start":1310.3551,"end":1310.8551,"confidence":0.9975708,"punctuated_word":"too","sentiment":"positive","sentiment_score":0.35927170515060425},{"word":"convenient","start":1311.395,"end":1311.895,"confidence":0.81078243,"punctuated_word":"convenient.","sentiment":"neutral","sentiment_score":0.2865801155567169},{"word":"like","start":1312.435,"end":1312.935,"confidence":0.9754488,"punctuated_word":"Like","sentiment":"positive","sentiment_score":0.36765772104263306},{"word":"yeah","start":1313.9551,"end":1314.4551,"confidence":0.9090841,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09102019667625429},{"word":"yeah","start":1315.3151,"end":1315.8151,"confidence":0.8625095,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12433206290006638},{"word":"for","start":1315.9551,"end":1316.275,"confidence":0.99071294,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.10271291434764862},{"word":"sure","start":1316.275,"end":1316.775,"confidence":0.9993056,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.12824633717536926},{"word":"whereas","start":1317.395,"end":1317.795,"confidence":0.98369455,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.0705675482749939},{"word":"if","start":1317.795,"end":1317.9551,"confidence":0.8026098,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05732933431863785},{"word":"you","start":1317.9551,"end":1318.1151,"confidence":0.99984944,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07983511686325073},{"word":"don't","start":1318.1151,"end":1318.435,"confidence":0.97489214,"punctuated_word":"don't,","sentiment":"neutral","sentiment_score":0.038504503667354584},{"word":"you","start":1318.435,"end":1318.5951,"confidence":0.9990069,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13240525126457214},{"word":"can","start":1318.5951,"end":1318.8351,"confidence":0.999851,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14430318772792816},{"word":"still","start":1318.8351,"end":1319.155,"confidence":0.99914944,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.15833115577697754},{"word":"see","start":1319.155,"end":1319.3151,"confidence":0.99981743,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3161048889160156},{"word":"it","start":1319.3151,"end":1319.555,"confidence":0.9990339,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2182229906320572},{"word":"grow","start":1319.555,"end":1319.9551,"confidence":0.9599415,"punctuated_word":"grow,","sentiment":"neutral","sentiment_score":0.2536885738372803},{"word":"which","start":1319.9551,"end":1320.275,"confidence":0.99994016,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.24450914561748505},{"word":"is","start":1320.275,"end":1320.435,"confidence":0.99978095,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24374036490917209},{"word":"nice","start":1320.435,"end":1320.8351,"confidence":0.9078996,"punctuated_word":"nice,","sentiment":"neutral","sentiment_score":0.33094534277915955},{"word":"but","start":1320.8351,"end":1321.0751,"confidence":0.999762,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1568545401096344},{"word":"then","start":1321.0751,"end":1321.5751,"confidence":0.99965656,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14303195476531982},{"word":"not","start":1321.795,"end":1322.035,"confidence":0.9905731,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.08802077919244766},{"word":"be","start":1322.035,"end":1322.1951,"confidence":0.9453214,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12240450084209442},{"word":"able","start":1322.1951,"end":1322.435,"confidence":0.942956,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.14226919412612915},{"word":"to","start":1322.435,"end":1322.915,"confidence":0.9978179,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1391761153936386},{"word":"just","start":1322.915,"end":1323.27,"confidence":0.9923968,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13111986219882965},{"word":"easily","start":1323.59,"end":1324.09,"confidence":0.9991992,"punctuated_word":"easily","sentiment":"neutral","sentiment_score":0.22910913825035095},{"word":"transfer","start":1324.15,"end":1324.55,"confidence":0.9918651,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.17843720316886902},{"word":"it","start":1324.55,"end":1324.79,"confidence":0.9649577,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19701440632343292},{"word":"out","start":1324.79,"end":1324.9501,"confidence":0.9903623,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18444111943244937},{"word":"on","start":1324.9501,"end":1325.11,"confidence":0.99413705,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12560062110424042},{"word":"netbank","start":1325.11,"end":1325.51,"confidence":0.4980265,"punctuated_word":"NetBank","sentiment":"neutral","sentiment_score":0.1451358050107956},{"word":"or","start":1325.51,"end":1325.75,"confidence":0.9978035,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1738550364971161},{"word":"something","start":1325.75,"end":1326.0701,"confidence":0.9247101,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.13307200372219086},{"word":"that's","start":1326.0701,"end":1326.31,"confidence":0.999727,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7848679423332214},{"word":"awesome","start":1326.31,"end":1326.81,"confidence":0.9995965,"punctuated_word":"awesome.","sentiment":"positive","sentiment_score":0.7150475382804871},{"word":"yeah","start":1334.55,"end":1335.05,"confidence":0.76785994,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13163676857948303},{"word":"yep","start":1338.63,"end":1339.095,"confidence":0.8572722,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.226009339094162},{"word":"perfect","start":1339.335,"end":1339.835,"confidence":0.9980078,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.45388391613960266},{"word":"oh","start":1346.135,"end":1346.455,"confidence":0.88343316,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.11635565012693404},{"word":"i've","start":1346.455,"end":1346.695,"confidence":0.9978006,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11109930276870728},{"word":"got","start":1346.695,"end":1346.9349,"confidence":0.93834984,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.11090612411499023},{"word":"like","start":1346.9349,"end":1347.4349,"confidence":0.9985714,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13764214515686035},{"word":"five","start":1347.655,"end":1347.975,"confidence":0.9986816,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.1472844034433365},{"word":"brands","start":1347.975,"end":1348.475,"confidence":0.9537688,"punctuated_word":"brands.","sentiment":"neutral","sentiment_score":0.12759104371070862},{"word":"that's","start":1349.1749,"end":1349.495,"confidence":0.9867393,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3852022588253021},{"word":"it","start":1349.495,"end":1349.995,"confidence":0.94430405,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2758883833885193},{"word":"yeah","start":1355.35,"end":1355.85,"confidence":0.79070485,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029629116877913475},{"word":"no","start":1363.27,"end":1363.77,"confidence":0.9847143,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06339842081069946},{"word":"yeah","start":1375.745,"end":1376.245,"confidence":0.8201341,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.029028885066509247},{"word":"i'm","start":1377.345,"end":1377.665,"confidence":0.82694113,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06616704165935516},{"word":"actually","start":1377.665,"end":1378.0651,"confidence":0.98803896,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.06304892152547836},{"word":"on","start":1378.0651,"end":1378.305,"confidence":0.99825865,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.085340216755867},{"word":"a","start":1378.305,"end":1378.785,"confidence":0.9930704,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0742509514093399},{"word":"program","start":1378.785,"end":1379.185,"confidence":0.9968526,"punctuated_word":"program","sentiment":"neutral","sentiment_score":-0.08378859609365463},{"word":"to","start":1379.185,"end":1379.345,"confidence":0.9991061,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08759529143571854},{"word":"give","start":1379.345,"end":1379.585,"confidence":0.9998031,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.09232603758573532},{"word":"up","start":1379.585,"end":1379.82,"confidence":0.78470486,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.06696539372205734},{"word":"so","start":1379.8999,"end":1380.2999,"confidence":0.7560191,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.0024954788386821747},{"word":"hopefully","start":1380.2999,"end":1380.7999,"confidence":0.99714434,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.002802402712404728},{"word":"by","start":1380.94,"end":1381.44,"confidence":0.7068555,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.07526698708534241},{"word":"by","start":1381.5,"end":1381.82,"confidence":0.9403333,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.07031886279582977},{"word":"the","start":1381.82,"end":1382.0599,"confidence":0.9940295,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09729908406734468},{"word":"next","start":1382.0599,"end":1382.2999,"confidence":0.99809307,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10142140090465546},{"word":"phone","start":1382.2999,"end":1382.62,"confidence":0.9965448,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.07386061549186707},{"word":"call","start":1382.62,"end":1382.86,"confidence":0.90108556,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.08074332773685455},{"word":"that'll","start":1382.86,"end":1383.1799,"confidence":0.9840617,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.08216603100299835},{"word":"be","start":1383.1799,"end":1383.4199,"confidence":0.9974291,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07680657505989075},{"word":"done","start":1383.4199,"end":1383.9199,"confidence":0.9996621,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.09610943496227264},{"word":"yeah","start":1395.4349,"end":1395.755,"confidence":0.96692276,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0800180435180664},{"word":"okay","start":1395.755,"end":1396.255,"confidence":0.985777,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10283206403255464},{"word":"yeah","start":1399.515,"end":1400.015,"confidence":0.9482198,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.047576118260622025},{"word":"perfect","start":1402.075,"end":1402.575,"confidence":0.997857,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4207093119621277},{"word":"yep","start":1402.715,"end":1403.215,"confidence":0.96652216,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25471872091293335},{"word":"no","start":1412.43,"end":1412.75,"confidence":0.9677899,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20510601997375488},{"word":"i","start":1412.75,"end":1412.91,"confidence":0.9964658,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2211371511220932},{"word":"think","start":1412.91,"end":1413.15,"confidence":0.9992661,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1860445737838745},{"word":"that's","start":1413.15,"end":1413.65,"confidence":0.9988656,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.23641034960746765},{"word":"pretty","start":1413.71,"end":1414.03,"confidence":0.9979025,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.21772246062755585},{"word":"much","start":1414.03,"end":1414.51,"confidence":0.99983966,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1568915992975235},{"word":"i","start":1415.15,"end":1415.31,"confidence":0.77066594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22961562871932983},{"word":"i","start":1415.31,"end":1415.39,"confidence":0.5195507,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2289034128189087},{"word":"don't","start":1415.39,"end":1415.63,"confidence":0.9842464,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19681385159492493},{"word":"not","start":1415.79,"end":1416.03,"confidence":0.9715657,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24484862387180328},{"word":"off","start":1416.03,"end":1416.1901,"confidence":0.91528296,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.2517455220222473},{"word":"the","start":1416.1901,"end":1416.35,"confidence":0.99253476,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25619620084762573},{"word":"top","start":1416.35,"end":1416.51,"confidence":0.9994616,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.21118086576461792},{"word":"of","start":1416.51,"end":1416.67,"confidence":0.99814,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28101465106010437},{"word":"my","start":1416.67,"end":1416.8301,"confidence":0.9995227,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.21770009398460388},{"word":"head","start":1416.8301,"end":1416.99,"confidence":0.90369046,"punctuated_word":"head.","sentiment":"neutral","sentiment_score":-0.2365596443414688},{"word":"no","start":1416.99,"end":1417.49,"confidence":0.9280126,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06866669654846191},{"word":"yep","start":1430.475,"end":1430.975,"confidence":0.80408776,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08345308899879456},{"word":"yep","start":1431.995,"end":1432.495,"confidence":0.8930901,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23707568645477295},{"word":"sounds","start":1432.715,"end":1433.195,"confidence":0.9930046,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.6744371056556702},{"word":"good","start":1433.195,"end":1433.695,"confidence":0.999394,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6205625534057617},{"word":"yep","start":1440.4401,"end":1440.9401,"confidence":0.9944489,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23650257289409635},{"word":"perfect","start":1443.64,"end":1444.14,"confidence":0.99636877,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6722872853279114},{"word":"awesome","start":1451.015,"end":1451.515,"confidence":0.9836235,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.612389326095581},{"word":"yep","start":1451.655,"end":1451.975,"confidence":0.9940405,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3697628378868103},{"word":"no","start":1451.975,"end":1452.215,"confidence":0.999728,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.3784018158912658},{"word":"worries","start":1452.215,"end":1452.715,"confidence":0.99971986,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.5392451882362366},{"word":"beautiful","start":1453.3589,"end":1453.8389,"confidence":0.99908614,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7487701177597046},{"word":"thank","start":1453.8389,"end":1454.0789,"confidence":0.9994141,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8242496252059937},{"word":"you","start":1454.0789,"end":1454.2389,"confidence":0.9998816,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8707544803619385},{"word":"very","start":1454.2389,"end":1454.4789,"confidence":0.9996456,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.775745689868927},{"word":"much","start":1454.4789,"end":1454.9789,"confidence":0.999758,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7836955785751343},{"word":"you","start":1458.3989,"end":1458.6389,"confidence":0.9843747,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.6368241310119629},{"word":"too","start":1458.6389,"end":1458.9589,"confidence":0.99555516,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.6426634788513184},{"word":"cheers","start":1458.9589,"end":1459.4388,"confidence":0.9963389,"punctuated_word":"Cheers.","sentiment":"positive","sentiment_score":0.6351746320724487},{"word":"bye","start":1459.4388,"end":1459.9388,"confidence":0.9955032,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.3954542875289917}],"paragraphs":{"transcript":"\nHello? Kim speaking. Yeah. Good. Thanks.\n\nHow are you? Yeah. Yeah. Awesome. Okay.\n\nYep. No worries. Yep. Paris. Yep.\n\nYep. Yeah. I believe so. Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYep. Yep. Yeah. So because Logan's 19, but Carson's only four. So I was thinking of, like, I was thinking, like, of splitting like, maybe going putting my brother down for half and then the boys, like, can get 25 each until, like I don't know.\n\nUntil they're of, like, the age of 25 or something. Yeah. Yeah. Yep. Yep.\n\nYep. Oh, okay. Yep. Yep. Mhmm.\n\nYeah. Yeah. Okay. Yep. No.\n\nWe were gonna discuss that as well, I believe. Yep. Yeah. Yeah. Oh, okay.\n\nYep. Yep. Yeah. Okay. Yep.\n\nOh, okay. Yep. Yep. Alright. Yeah.\n\nYeah. Yeah. Okay. Yep. I don't know.\n\nYeah. What would you recommend would be best? Like because I'm I'm I'm kind of in a situation at the moment. Carson doesn't have too much to do with his father. But, obviously, if I did die, like, I've asked my brother and his and my sister-in-law, and they'd like because, obviously, I'd want him to go to them, like, because, like, he doesn't really have much to do with his father at all.\n\nMhmm. But he is trying to be a part of his life, and the last thing I want is him to get my money, obviously. So I yeah. So I'm kind of I don't I don't what would you suggest? Like because, obviously, he like, he's not on the birth certificate because it's been a bit of a rough trough.\n\nBut, like, being the father, like, I don't know what power when I'm dead. I'd have, like like, I think he might get, like, rights to Carson, like, over my brother, which will be devastating, but I still don't want him to get my money. So, yeah, I don't know what's my yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYep. Yes. Yeah. Yeah. Right.\n\nYeah. Okay. Yeah. Yeah. Alright.\n\nOkay. Yep. Yep. Okay. Yeah.\n\nYeah. No. Okay. Yeah. Well, okay.\n\nLet's split it between the kids, if that's what you reckon, and then, yeah, I'll do how much does it cost to do a Will? Mhmm. Yeah. Okay. Yeah.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nYeah. Yeah. Yep. Okay. Alright.\n\nYep. So you don't do you don't offer anything like that? Or Yeah. Okay. Yeah.\n\nOkay. Alright. No. No. That's alright.\n\nSo I gotta look into I'll so I'll just look into doing a will in the next, what, twelve months, you say? Or six months? Yep. Yep. Yeah.\n\nOkay. Yeah. Yeah. Well, I'll I'll work on giving myself six months to do the will. I'll I'll talk to I'll go I'll get some advice and whatnot because, yeah, I might have an old barrister that might be able to help me as well.\n\nSo if I, yeah, if I get a will in place, then do I, what, send you a copy of that will, or what happens? Yeah. Yeah. Okay. Yeah.\n\nAlright. Let's do that then. Yep. Yep. Yep.\n\nMhmm. Yep. Okay. Yep. Awesome.\n\nAlright. No. That sounds great. Yep. Yep.\n\nMhmm. No. I don't know my login. Mhmm. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Yeah. Yeah.\n\nMhmm. I'm I'm doing, like, one percent of something. Yeah. Yeah. Yeah.\n\nYeah. Right. Yeah. Okay. Yeah.\n\nMhmm. Mhmm. Yeah. Okay. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. I can't help.\n\nYeah. Yeah. Right. Yeah. Yeah.\n\nYeah. Okay. Yeah. If you believe yeah. If you think that's what's gonna benefit me, definitely.\n\nYep. Yeah. Mhmm. Yeah. Yeah.\n\nWhat would your advice be? Like, considering that my age and whatnot, do you think I could afford a bit higher investments for better gain, or do you think I'm better off taking the soft safer option? Yeah. Yeah. Yeah.\n\nI yeah. Yeah. Oh, okay. That's got better returns, but Yep. Yeah.\n\nYep. Yeah. Yeah. Okay. Yeah.\n\nWell, I suppose, yeah, let's give it a go. Yeah. Yeah. Yeah. Alright.\n\nYep. Yeah. Yeah. If you, yeah, if you can twerk it just to get a little bit more, like, that percentage, that 1% up a bit, that'd be awesome. Yeah.\n\nBecause I think in my initial call, they were looking at getting, like, 11 to 15% or something. Like so yeah. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Yep. Yeah. Yeah.\n\nOkay. Let's do that. Yeah. No. Definitely.\n\nMhmm. Yep. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Right. Yeah. Yep.\n\nYep. Yeah. Okay. Yep. Yeah.\n\nNo. Definitely. Yep. Yep. Yep.\n\nOkay. Yep. Sweet. Yep. Yep.\n\nYep. Yep. Okay. Cool. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Maybe a little bit more. But yeah.\n\nI'd say that's my base. Yeah. Yep. Yep. I think I've been hitting around the 100 mark each year just with overtime and whatnot.\n\nSo yeah. Yep. Yep. No. No.\n\nNothing. I paid all that out. So no. Look at yeah. Yep.\n\nOh, I'm just trying to do savings. Like, I'm for I'm trying to save, like, like, $20 this year. Like so my I was thinking of doing it over two years to save $40, $20 a year and whatnot. But, yeah, I'm, like yeah. I'm I'm I'm getting there because I'm getting a bit of overtime at the moment.\n\nSo I I've got some cash put aside, but I need to, I don't know, put it into something that so I can't actually touch it because I find when I can touch it, that's that's the problem. It's easy to access. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Thank you. Yeah. Yeah.\n\nYeah. No. Yeah. Yeah. Yeah.\n\nBecause my because, like, I work so we work nine day or fortnight. And so on one one week's a short week, so I'll like, I I can't save much there. But on the other week, I get, like, I don't know, sometimes, like, $700 extra, like, so if I could put that away and just live off my base, then that's, like, that's my plan anyway. So but, yeah, I I do have I've got two accounts. So I'm gonna go and sort out with my local bank and just say, like, look.\n\nI wanna be able to put money in here, but not take it out unless I actually come into the bank. Like, I don't want and I don't have a card for that account or whatever. Well, I do for an all access, but, like, there's I've got, like, different accounts off that actual bank. So, yeah, I might actually look at doing that because I think that's the only way it's gonna be safe. Because while it's there, you can just if you can access it, it's just too convenient.\n\nLike yeah. Yeah. For sure. Whereas if you don't, you can still see it grow, which is nice, but then not be able to just easily transfer it out on NetBank or something. That's awesome.\n\nYeah. Yep. Perfect. Oh, I've got, like, five brands. That's it.\n\nYeah. No. Yeah. I'm actually on a program to give up. So, hopefully, by by the next phone call, that'll be done.\n\nYeah. Okay. Yeah. Perfect. Yep.\n\nNo. I think that's pretty much I I don't not off the top of my head. No. Yep. Yep.\n\nSounds good. Yep. Perfect. Awesome. Yep.\n\nNo worries. Beautiful. Thank you very much. You too. Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.019090283662080765},{"text":"Kim speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.03505576401948929},{"text":"Yeah.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.2267270535230637},{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.3931662440299988},{"text":"Thanks.","start":7.7599998,"end":8.0,"sentiment":"positive","sentiment_score":0.5075048804283142}],"sentiment":"neutral","sentiment_score":0.20276666494707266,"num_words":6,"start":0.79999995,"end":8.0},{"sentences":[{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.33040111263593036},{"text":"Yeah.","start":17.125,"end":17.625,"sentiment":"neutral","sentiment_score":-0.05135026574134827},{"text":"Yeah.","start":20.965,"end":21.285,"sentiment":"neutral","sentiment_score":0.13675913214683533},{"text":"Awesome.","start":21.285,"end":21.765,"sentiment":"neutral","sentiment_score":0.2561664283275604},{"text":"Okay.","start":21.765,"end":22.085,"sentiment":"neutral","sentiment_score":0.1123621016740799}],"sentiment":"neutral","sentiment_score":0.20644867633070266,"num_words":7,"start":8.0,"end":22.085},{"sentences":[{"text":"Yep.","start":22.085,"end":22.325,"sentiment":"neutral","sentiment_score":0.11089574545621872},{"text":"No worries.","start":22.325,"end":23.065,"sentiment":"neutral","sentiment_score":0.12891065329313278},{"text":"Yep.","start":27.845001,"end":28.345001,"sentiment":"neutral","sentiment_score":0.09843018651008606},{"text":"Paris.","start":36.43,"end":36.93,"sentiment":"neutral","sentiment_score":0.04643245413899422},{"text":"Yep.","start":48.085,"end":48.585,"sentiment":"neutral","sentiment_score":0.07935169339179993}],"sentiment":"neutral","sentiment_score":0.09882189768056075,"num_words":6,"start":22.085,"end":48.585},{"sentences":[{"text":"Yep.","start":50.325,"end":50.825,"sentiment":"neutral","sentiment_score":0.06871802359819412},{"text":"Yeah.","start":56.565002,"end":56.805,"sentiment":"neutral","sentiment_score":0.04585372284054756},{"text":"I believe so.","start":56.805,"end":57.605,"sentiment":"neutral","sentiment_score":0.05363746235768},{"text":"Yep.","start":57.605,"end":58.105,"sentiment":"neutral","sentiment_score":0.11034280061721802},{"text":"Yep.","start":70.78,"end":71.1,"sentiment":"neutral","sentiment_score":0.05094529315829277}],"sentiment":"neutral","sentiment_score":0.062396032469613213,"num_words":7,"start":50.325,"end":71.1},{"sentences":[{"text":"Yeah.","start":71.1,"end":71.5,"sentiment":"neutral","sentiment_score":0.07551182061433792},{"text":"Yeah.","start":71.5,"end":72.0,"sentiment":"neutral","sentiment_score":0.155597522854805},{"text":"Yep.","start":81.885,"end":82.385,"sentiment":"neutral","sentiment_score":0.048553891479969025},{"text":"Yep.","start":84.365005,"end":84.865005,"sentiment":"neutral","sentiment_score":0.06531636416912079},{"text":"Yeah.","start":90.39,"end":90.79,"sentiment":"neutral","sentiment_score":0.040686242282390594}],"sentiment":"neutral","sentiment_score":0.07713316828012466,"num_words":5,"start":71.1,"end":90.79},{"sentences":[{"text":"Yep.","start":90.79,"end":91.19,"sentiment":"neutral","sentiment_score":0.031989358365535736},{"text":"Yep.","start":91.19,"end":91.69,"sentiment":"neutral","sentiment_score":0.02511874213814735},{"text":"Yeah.","start":92.07,"end":92.39,"sentiment":"neutral","sentiment_score":0.02045845054090023},{"text":"So because Logan's 19, but Carson's only four.","start":92.39,"end":99.075005,"sentiment":"neutral","sentiment_score":-0.008604446930803533},{"text":"So I was thinking of, like, I was thinking, like, of splitting like, maybe going putting my brother down for half and then the boys, like, can get 25 each until, like I don't know.","start":99.075005,"end":120.990005,"sentiment":"neutral","sentiment_score":-0.018198787420988082}],"sentiment":"neutral","sentiment_score":-0.013657099655139737,"num_words":46,"start":90.79,"end":120.990005},{"sentences":[{"text":"Until they're of, like, the age of 25 or something.","start":120.990005,"end":124.37,"sentiment":"neutral","sentiment_score":-0.11322562843561172},{"text":"Yeah.","start":137.555,"end":138.055,"sentiment":"neutral","sentiment_score":0.24953648447990415},{"text":"Yeah.","start":138.275,"end":138.775,"sentiment":"positive","sentiment_score":0.45039570331573486},{"text":"Yep.","start":139.72,"end":140.22,"sentiment":"positive","sentiment_score":0.3799487054347992},{"text":"Yep.","start":146.44,"end":146.94,"sentiment":"neutral","sentiment_score":0.12310036271810532}],"sentiment":"neutral","sentiment_score":0.005051783685173307,"num_words":14,"start":120.990005,"end":146.94},{"sentences":[{"text":"Yep.","start":153.48,"end":153.98,"sentiment":"neutral","sentiment_score":0.046903111040592194},{"text":"Oh, okay.","start":154.86499,"end":155.58499,"sentiment":"neutral","sentiment_score":0.045948248356580734},{"text":"Yep.","start":155.58499,"end":156.08499,"sentiment":"neutral","sentiment_score":0.06256884336471558},{"text":"Yep.","start":156.14499,"end":156.64499,"sentiment":"neutral","sentiment_score":0.06608491390943527},{"text":"Mhmm.","start":169.5,"end":170.0,"sentiment":"neutral","sentiment_score":-0.011307626962661743}],"sentiment":"neutral","sentiment_score":0.04269095634420713,"num_words":6,"start":153.48,"end":170.0},{"sentences":[{"text":"Yeah.","start":178.14,"end":178.62,"sentiment":"neutral","sentiment_score":0.05181821435689926},{"text":"Yeah.","start":178.62,"end":179.02,"sentiment":"neutral","sentiment_score":0.04134128987789154},{"text":"Okay.","start":179.02,"end":179.52,"sentiment":"neutral","sentiment_score":0.06786742806434631},{"text":"Yep.","start":189.265,"end":189.425,"sentiment":"neutral","sentiment_score":0.013350158929824827},{"text":"No.","start":189.425,"end":189.905,"sentiment":"neutral","sentiment_score":-0.05191652104258537}],"sentiment":"neutral","sentiment_score":0.024492114037275314,"num_words":5,"start":178.14,"end":189.905},{"sentences":[{"text":"We were gonna discuss that as well, I believe.","start":189.905,"end":192.325,"sentiment":"neutral","sentiment_score":-0.04163537174463272},{"text":"Yep.","start":202.08,"end":202.58,"sentiment":"neutral","sentiment_score":0.1488441526889801},{"text":"Yeah.","start":206.955,"end":207.455,"sentiment":"neutral","sentiment_score":0.16022959351539612},{"text":"Yeah.","start":222.89,"end":223.39,"sentiment":"neutral","sentiment_score":0.1677752435207367},{"text":"Oh, okay.","start":225.69,"end":226.33,"sentiment":"neutral","sentiment_score":0.14618881046772003}],"sentiment":"neutral","sentiment_score":0.028179161782775606,"num_words":14,"start":189.905,"end":226.33},{"sentences":[{"text":"Yep.","start":226.33,"end":226.65001,"sentiment":"neutral","sentiment_score":0.1178695484995842},{"text":"Yep.","start":226.65001,"end":227.13,"sentiment":"neutral","sentiment_score":0.11503028869628906},{"text":"Yeah.","start":227.13,"end":227.53,"sentiment":"neutral","sentiment_score":0.117781862616539},{"text":"Okay.","start":227.53,"end":228.03,"sentiment":"neutral","sentiment_score":0.095728799700737},{"text":"Yep.","start":238.245,"end":238.745,"sentiment":"neutral","sentiment_score":0.3066718280315399}],"sentiment":"neutral","sentiment_score":0.15061646550893784,"num_words":5,"start":226.33,"end":238.745},{"sentences":[{"text":"Oh, okay.","start":241.285,"end":242.185,"sentiment":"positive","sentiment_score":0.33927540481090546},{"text":"Yep.","start":243.125,"end":243.445,"sentiment":"neutral","sentiment_score":0.2355303168296814},{"text":"Yep.","start":243.445,"end":243.945,"sentiment":"neutral","sentiment_score":0.2314334362745285},{"text":"Alright.","start":244.005,"end":244.505,"sentiment":"neutral","sentiment_score":0.20155084133148193},{"text":"Yeah.","start":255.56,"end":255.64,"sentiment":"neutral","sentiment_score":0.2025999575853348}],"sentiment":"neutral","sentiment_score":0.2582775602738063,"num_words":6,"start":241.285,"end":255.64},{"sentences":[{"text":"Yeah.","start":255.64,"end":256.14,"sentiment":"neutral","sentiment_score":0.13053366541862488},{"text":"Yeah.","start":256.28,"end":256.78,"sentiment":"neutral","sentiment_score":0.17321845889091492},{"text":"Okay.","start":262.275,"end":262.675,"sentiment":"neutral","sentiment_score":0.04837847501039505},{"text":"Yep.","start":262.675,"end":263.175,"sentiment":"neutral","sentiment_score":0.02427230402827263},{"text":"I don't know.","start":264.515,"end":265.415,"sentiment":"neutral","sentiment_score":-0.14694290608167648}],"sentiment":"neutral","sentiment_score":-0.009203687842403144,"num_words":7,"start":255.64,"end":265.415},{"sentences":[{"text":"Yeah.","start":267.075,"end":267.475,"sentiment":"neutral","sentiment_score":-0.1766684353351593},{"text":"What would you recommend would be best?","start":267.475,"end":269.495,"sentiment":"neutral","sentiment_score":-0.11252072134188243},{"text":"Like because I'm I'm I'm kind of in a situation at the moment.","start":269.635,"end":274.45502,"sentiment":"neutral","sentiment_score":-0.31658294338446397},{"text":"Carson doesn't have too much to do with his father.","start":274.675,"end":277.63998,"sentiment":"negative","sentiment_score":-0.4184062272310257},{"text":"But, obviously, if I did die, like, I've asked my brother and his and my sister-in-law, and they'd like because, obviously, I'd want him to go to them, like, because, like, he doesn't really have much to do with his father at all.","start":278.41998,"end":294.255,"sentiment":"neutral","sentiment_score":-0.2755674962387529}],"sentiment":"neutral","sentiment_score":-0.28531562647706754,"num_words":74,"start":267.075,"end":294.255},{"sentences":[{"text":"Mhmm.","start":294.955,"end":295.195,"sentiment":"neutral","sentiment_score":-0.05247097462415695},{"text":"But he is trying to be a part of his life, and the last thing I want is him to get my money, obviously.","start":295.195,"end":300.655,"sentiment":"neutral","sentiment_score":-0.254219314083457},{"text":"So I yeah.","start":301.355,"end":303.51498,"sentiment":"neutral","sentiment_score":-0.09957136462132136},{"text":"So I'm kind of I don't I don't what would you suggest?","start":303.51498,"end":306.735,"sentiment":"neutral","sentiment_score":-0.2694641562799613},{"text":"Like because, obviously, he like, he's not on the birth certificate because it's been a bit of a rough trough.","start":306.875,"end":314.07,"sentiment":"neutral","sentiment_score":-0.2569208212196827}],"sentiment":"neutral","sentiment_score":-0.2470739151040713,"num_words":60,"start":294.955,"end":314.07},{"sentences":[{"text":"But, like, being the father, like, I don't know what power when I'm dead.","start":314.29,"end":320.23,"sentiment":"negative","sentiment_score":-0.40482597053050995},{"text":"I'd have, like like, I think he might get, like, rights to Carson, like, over my brother, which will be devastating, but I still don't want him to get my money.","start":320.37,"end":333.06497,"sentiment":"negative","sentiment_score":-0.4408703206046935},{"text":"So, yeah, I don't know what's my yeah.","start":333.06497,"end":339.1,"sentiment":"neutral","sentiment_score":-0.28773749619722366},{"text":"Yeah.","start":348.75998,"end":349.25998,"sentiment":"neutral","sentiment_score":0.08438007533550262},{"text":"Okay.","start":353.61502,"end":354.095,"sentiment":"neutral","sentiment_score":0.04368220269680023}],"sentiment":"negative","sentiment_score":-0.39106147668578406,"num_words":55,"start":314.29,"end":354.095},{"sentences":[{"text":"Yeah.","start":354.095,"end":354.595,"sentiment":"neutral","sentiment_score":0.03071114607155323},{"text":"Yeah.","start":354.655,"end":355.155,"sentiment":"neutral","sentiment_score":0.017297280952334404},{"text":"Yeah.","start":355.215,"end":355.715,"sentiment":"neutral","sentiment_score":-0.004264061339199543},{"text":"Yeah.","start":363.935,"end":364.17502,"sentiment":"neutral","sentiment_score":0.026025429368019104},{"text":"Okay.","start":364.17502,"end":364.67502,"sentiment":"neutral","sentiment_score":0.03221729025244713}],"sentiment":"neutral","sentiment_score":0.020397417061030865,"num_words":5,"start":354.095,"end":364.67502},{"sentences":[{"text":"Yep.","start":369.52002,"end":370.02002,"sentiment":"neutral","sentiment_score":0.0970645546913147},{"text":"Yes.","start":379.92,"end":380.42,"sentiment":"neutral","sentiment_score":-0.102939635515213},{"text":"Yeah.","start":384.305,"end":384.805,"sentiment":"neutral","sentiment_score":-0.11026933789253236},{"text":"Yeah.","start":385.025,"end":385.265,"sentiment":"neutral","sentiment_score":-0.07717610895633698},{"text":"Right.","start":385.265,"end":385.765,"sentiment":"neutral","sentiment_score":-0.12782271206378937}],"sentiment":"neutral","sentiment_score":-0.0642286479473114,"num_words":5,"start":369.52002,"end":385.765},{"sentences":[{"text":"Yeah.","start":386.545,"end":387.045,"sentiment":"neutral","sentiment_score":-0.2268505096435547},{"text":"Okay.","start":388.785,"end":389.285,"sentiment":"neutral","sentiment_score":-0.023306775838136673},{"text":"Yeah.","start":389.345,"end":389.745,"sentiment":"neutral","sentiment_score":-0.007571300491690636},{"text":"Yeah.","start":389.745,"end":390.065,"sentiment":"neutral","sentiment_score":0.011549804359674454},{"text":"Alright.","start":390.065,"end":390.565,"sentiment":"neutral","sentiment_score":0.051267579197883606}],"sentiment":"neutral","sentiment_score":-0.03898224048316479,"num_words":5,"start":386.545,"end":390.565},{"sentences":[{"text":"Okay.","start":391.025,"end":391.525,"sentiment":"neutral","sentiment_score":0.035613078624010086},{"text":"Yep.","start":393.985,"end":394.485,"sentiment":"neutral","sentiment_score":0.051331810653209686},{"text":"Yep.","start":396.44,"end":396.94,"sentiment":"neutral","sentiment_score":0.030747270211577415},{"text":"Okay.","start":403.4,"end":403.9,"sentiment":"neutral","sentiment_score":-0.020282702520489693},{"text":"Yeah.","start":422.59,"end":422.99002,"sentiment":"neutral","sentiment_score":-0.09158346056938171}],"sentiment":"neutral","sentiment_score":0.0011651992797851562,"num_words":5,"start":391.025,"end":422.99002},{"sentences":[{"text":"Yeah.","start":422.99002,"end":423.31,"sentiment":"neutral","sentiment_score":-0.1113692745566368},{"text":"No.","start":423.31,"end":423.71002,"sentiment":"neutral","sentiment_score":-0.15304207801818848},{"text":"Okay.","start":423.71002,"end":424.03,"sentiment":"neutral","sentiment_score":-0.06585023552179337},{"text":"Yeah.","start":424.03,"end":424.35,"sentiment":"neutral","sentiment_score":-0.0250149630010128},{"text":"Well, okay.","start":424.35,"end":425.07,"sentiment":"neutral","sentiment_score":0.016433238983154297}],"sentiment":"neutral","sentiment_score":-0.05373501218855381,"num_words":6,"start":422.99002,"end":425.07},{"sentences":[{"text":"Let's split it between the kids, if that's what you reckon, and then, yeah, I'll do how much does it cost to do a Will?","start":425.07,"end":432.69,"sentiment":"neutral","sentiment_score":0.03015733018517494},{"text":"Mhmm.","start":433.335,"end":433.835,"sentiment":"neutral","sentiment_score":0.042211126536130905},{"text":"Yeah.","start":440.615,"end":441.115,"sentiment":"neutral","sentiment_score":0.04618598148226738},{"text":"Okay.","start":442.215,"end":442.715,"sentiment":"neutral","sentiment_score":0.00576573284342885},{"text":"Yeah.","start":444.29498,"end":444.615,"sentiment":"neutral","sentiment_score":0.06157129257917404}],"sentiment":"neutral","sentiment_score":0.031367840967943955,"num_words":29,"start":425.07,"end":444.615},{"sentences":[{"text":"Yeah.","start":444.615,"end":445.115,"sentiment":"neutral","sentiment_score":0.06721688061952591},{"text":"Yeah.","start":460.55,"end":460.94998,"sentiment":"neutral","sentiment_score":0.07441666722297668},{"text":"Okay.","start":460.94998,"end":461.43,"sentiment":"neutral","sentiment_score":0.0837118849158287},{"text":"Yeah.","start":461.43,"end":461.75,"sentiment":"neutral","sentiment_score":0.09158189594745636},{"text":"Yeah.","start":461.75,"end":462.25,"sentiment":"neutral","sentiment_score":0.10379332304000854}],"sentiment":"neutral","sentiment_score":0.08414413034915924,"num_words":5,"start":444.615,"end":462.25},{"sentences":[{"text":"Yeah.","start":462.535,"end":463.035,"sentiment":"neutral","sentiment_score":0.09541362524032591},{"text":"Yeah.","start":472.455,"end":472.955,"sentiment":"neutral","sentiment_score":0.05786757916212082},{"text":"Yep.","start":475.975,"end":476.475,"sentiment":"neutral","sentiment_score":0.06310805678367615},{"text":"Okay.","start":477.29,"end":477.79,"sentiment":"neutral","sentiment_score":0.023001059889793396},{"text":"Alright.","start":477.85,"end":478.25,"sentiment":"neutral","sentiment_score":0.07291975617408752}],"sentiment":"neutral","sentiment_score":0.06246201545000076,"num_words":5,"start":462.535,"end":478.25},{"sentences":[{"text":"Yep.","start":478.25,"end":478.57,"sentiment":"neutral","sentiment_score":0.06383121013641357},{"text":"So you don't do you don't offer anything like that?","start":478.57,"end":481.69,"sentiment":"neutral","sentiment_score":-0.23416486606001854},{"text":"Or Yeah.","start":481.69,"end":488.11,"sentiment":"neutral","sentiment_score":-0.2092984840273857},{"text":"Okay.","start":488.17,"end":488.67,"sentiment":"neutral","sentiment_score":-0.055648073554039},{"text":"Yeah.","start":494.185,"end":494.505,"sentiment":"neutral","sentiment_score":-0.01370023749768734}],"sentiment":"neutral","sentiment_score":-0.1843841819713513,"num_words":15,"start":478.25,"end":494.505},{"sentences":[{"text":"Okay.","start":494.505,"end":494.98502,"sentiment":"neutral","sentiment_score":-0.008111542090773582},{"text":"Alright.","start":494.98502,"end":495.385,"sentiment":"neutral","sentiment_score":0.006622945424169302},{"text":"No.","start":495.385,"end":495.625,"sentiment":"neutral","sentiment_score":-0.2289833426475525},{"text":"No.","start":495.625,"end":495.86502,"sentiment":"neutral","sentiment_score":-0.31156009435653687},{"text":"That's alright.","start":495.86502,"end":496.585,"sentiment":"neutral","sentiment_score":-0.20312856137752533}],"sentiment":"neutral","sentiment_score":-0.15804819273762405,"num_words":6,"start":494.505,"end":496.585},{"sentences":[{"text":"So I gotta look into I'll so I'll just look into doing a will in the next, what, twelve months, you say?","start":496.585,"end":502.92502,"sentiment":"neutral","sentiment_score":-0.05337085405533964},{"text":"Or six months?","start":504.15002,"end":505.29,"sentiment":"neutral","sentiment_score":-0.02917282780011495},{"text":"Yep.","start":509.03,"end":509.53,"sentiment":"neutral","sentiment_score":0.01851046085357666},{"text":"Yep.","start":511.03,"end":511.53,"sentiment":"negative","sentiment_score":-0.34304773807525635},{"text":"Yeah.","start":515.59,"end":516.09,"sentiment":"neutral","sentiment_score":-0.2970222234725952}],"sentiment":"neutral","sentiment_score":-0.06725845618971757,"num_words":28,"start":496.585,"end":516.09},{"sentences":[{"text":"Okay.","start":519.125,"end":519.625,"sentiment":"neutral","sentiment_score":-0.0071050748229026794},{"text":"Yeah.","start":528.24506,"end":528.74506,"sentiment":"neutral","sentiment_score":0.07543273270130157},{"text":"Yeah.","start":532.19,"end":532.59,"sentiment":"neutral","sentiment_score":0.09956134855747224},{"text":"Well, I'll I'll work on giving myself six months to do the will.","start":532.59,"end":536.53,"sentiment":"neutral","sentiment_score":0.05210951801676016},{"text":"I'll I'll talk to I'll go I'll get some advice and whatnot because, yeah, I might have an old barrister that might be able to help me as well.","start":537.15,"end":546.875,"sentiment":"neutral","sentiment_score":0.10636338604421451}],"sentiment":"neutral","sentiment_score":0.0873300207985772,"num_words":45,"start":519.125,"end":546.875},{"sentences":[{"text":"So if I, yeah, if I get a will in place, then do I, what, send you a copy of that will, or what happens?","start":547.57495,"end":556.555,"sentiment":"neutral","sentiment_score":0.04359686136245727},{"text":"Yeah.","start":561.34,"end":561.84,"sentiment":"neutral","sentiment_score":0.03987909108400345},{"text":"Yeah.","start":565.18,"end":565.68,"sentiment":"neutral","sentiment_score":0.061850886791944504},{"text":"Okay.","start":569.66003,"end":570.14,"sentiment":"neutral","sentiment_score":0.06977624446153641},{"text":"Yeah.","start":570.14,"end":570.46,"sentiment":"neutral","sentiment_score":0.06986832618713379}],"sentiment":"neutral","sentiment_score":0.045906761468484485,"num_words":29,"start":547.57495,"end":570.46},{"sentences":[{"text":"Alright.","start":570.46,"end":570.7,"sentiment":"neutral","sentiment_score":0.11590655893087388},{"text":"Let's do that then.","start":570.7,"end":571.74,"sentiment":"neutral","sentiment_score":0.1355421207845211},{"text":"Yep.","start":571.74,"end":572.24,"sentiment":"neutral","sentiment_score":0.06621769070625305},{"text":"Yep.","start":576.195,"end":576.51495,"sentiment":"neutral","sentiment_score":0.03618576005101204},{"text":"Yep.","start":576.51495,"end":577.01495,"sentiment":"neutral","sentiment_score":0.04512452706694603}],"sentiment":"neutral","sentiment_score":0.10070037748664618,"num_words":8,"start":570.46,"end":577.01495},{"sentences":[{"text":"Mhmm.","start":584.435,"end":584.83496,"sentiment":"neutral","sentiment_score":0.0367150753736496},{"text":"Yep.","start":584.83496,"end":585.33496,"sentiment":"neutral","sentiment_score":0.046773940324783325},{"text":"Okay.","start":589.24,"end":589.74,"sentiment":"neutral","sentiment_score":0.05170534923672676},{"text":"Yep.","start":594.36,"end":594.76,"sentiment":"neutral","sentiment_score":0.19299744069576263},{"text":"Awesome.","start":594.76,"end":595.26,"sentiment":"positive","sentiment_score":0.4737764000892639}],"sentiment":"neutral","sentiment_score":0.16039364114403726,"num_words":5,"start":584.435,"end":595.26},{"sentences":[{"text":"Alright.","start":595.32,"end":595.8,"sentiment":"positive","sentiment_score":0.34419798851013184},{"text":"No.","start":595.8,"end":596.04,"sentiment":"neutral","sentiment_score":0.31606346368789673},{"text":"That sounds great.","start":596.04,"end":596.92,"sentiment":"positive","sentiment_score":0.48757486542065936},{"text":"Yep.","start":596.92,"end":597.42,"sentiment":"positive","sentiment_score":0.3358306586742401},{"text":"Yep.","start":607.095,"end":607.595,"sentiment":"neutral","sentiment_score":0.23177514970302585}],"sentiment":"positive","sentiment_score":0.38437026526246754,"num_words":7,"start":595.32,"end":607.595},{"sentences":[{"text":"Mhmm.","start":618.45,"end":618.95,"sentiment":"neutral","sentiment_score":0.07508373260498047},{"text":"No.","start":630.305,"end":630.705,"sentiment":"neutral","sentiment_score":-0.11727114021778108},{"text":"I don't know my login.","start":630.705,"end":631.84503,"sentiment":"neutral","sentiment_score":-0.13720218390226363},{"text":"Mhmm.","start":643.26,"end":643.5,"sentiment":"neutral","sentiment_score":0.08119365572929382},{"text":"Yep.","start":643.5,"end":644.0,"sentiment":"neutral","sentiment_score":0.10859566926956175}],"sentiment":"neutral","sentiment_score":-0.05982322245836258,"num_words":9,"start":618.45,"end":644.0},{"sentences":[{"text":"Yep.","start":647.1,"end":647.6,"sentiment":"neutral","sentiment_score":0.07141976803541183},{"text":"Yeah.","start":649.5,"end":650.0,"sentiment":"neutral","sentiment_score":0.09904389083385468},{"text":"Yeah.","start":655.205,"end":655.705,"sentiment":"neutral","sentiment_score":0.10884097218513487},{"text":"Yeah.","start":663.60504,"end":664.10504,"sentiment":"neutral","sentiment_score":0.06477866321802139},{"text":"Yeah.","start":664.325,"end":664.825,"sentiment":"neutral","sentiment_score":0.06524790823459625}],"sentiment":"neutral","sentiment_score":0.08186624050140381,"num_words":5,"start":647.1,"end":664.825},{"sentences":[{"text":"Yeah.","start":669.01996,"end":669.5,"sentiment":"neutral","sentiment_score":0.11229130625724792},{"text":"Yeah.","start":669.5,"end":670.0,"sentiment":"neutral","sentiment_score":0.1641659438610077},{"text":"Mhmm.","start":676.3,"end":676.8,"sentiment":"neutral","sentiment_score":0.07505784928798676},{"text":"Yeah.","start":685.105,"end":685.605,"sentiment":"neutral","sentiment_score":0.04665788263082504},{"text":"Yeah.","start":686.945,"end":687.445,"sentiment":"neutral","sentiment_score":0.05361280590295792}],"sentiment":"neutral","sentiment_score":0.09035715758800507,"num_words":5,"start":669.01996,"end":687.445},{"sentences":[{"text":"Mhmm.","start":691.505,"end":692.005,"sentiment":"neutral","sentiment_score":0.0241275392472744},{"text":"I'm I'm doing, like, one percent of something.","start":693.08997,"end":695.91,"sentiment":"neutral","sentiment_score":0.020418180152773857},{"text":"Yeah.","start":697.56995,"end":698.06995,"sentiment":"neutral","sentiment_score":0.017904089763760567},{"text":"Yeah.","start":701.56995,"end":702.06995,"sentiment":"neutral","sentiment_score":-0.01519109308719635},{"text":"Yeah.","start":704.20996,"end":704.70996,"sentiment":"neutral","sentiment_score":-0.014434398151934149}],"sentiment":"neutral","sentiment_score":0.014645964916174611,"num_words":12,"start":691.505,"end":704.70996},{"sentences":[{"text":"Yeah.","start":707.49,"end":707.81,"sentiment":"neutral","sentiment_score":-0.0012210803106427193},{"text":"Right.","start":707.81,"end":708.225,"sentiment":"neutral","sentiment_score":-0.005191675387322903},{"text":"Yeah.","start":709.505,"end":710.005,"sentiment":"neutral","sentiment_score":0.009696521796286106},{"text":"Okay.","start":710.14496,"end":710.64496,"sentiment":"neutral","sentiment_score":0.0053519271314144135},{"text":"Yeah.","start":710.70496,"end":711.20496,"sentiment":"neutral","sentiment_score":-0.01906436868011951}],"sentiment":"neutral","sentiment_score":-0.0020857350900769225,"num_words":5,"start":707.49,"end":711.20496},{"sentences":[{"text":"Mhmm.","start":722.38495,"end":722.785,"sentiment":"neutral","sentiment_score":-0.07049548625946045},{"text":"Mhmm.","start":722.785,"end":723.285,"sentiment":"neutral","sentiment_score":-0.035437047481536865},{"text":"Yeah.","start":728.68,"end":729.18,"sentiment":"neutral","sentiment_score":0.029293719679117203},{"text":"Okay.","start":737.88,"end":738.04004,"sentiment":"neutral","sentiment_score":0.0884518176317215},{"text":"Yeah.","start":738.04004,"end":738.44,"sentiment":"neutral","sentiment_score":0.12968112528324127}],"sentiment":"neutral","sentiment_score":0.028298825770616532,"num_words":5,"start":722.38495,"end":738.44},{"sentences":[{"text":"Yeah.","start":738.44,"end":738.94,"sentiment":"neutral","sentiment_score":0.1653291881084442},{"text":"Yep.","start":744.285,"end":744.785,"sentiment":"neutral","sentiment_score":0.2884555757045746},{"text":"Yeah.","start":748.20496,"end":748.685,"sentiment":"neutral","sentiment_score":0.15763401985168457},{"text":"Yeah.","start":748.685,"end":749.005,"sentiment":"neutral","sentiment_score":0.12280624359846117},{"text":"Yeah.","start":749.005,"end":749.505,"sentiment":"neutral","sentiment_score":0.0826571136713028}],"sentiment":"neutral","sentiment_score":0.16337642818689346,"num_words":5,"start":738.44,"end":749.505},{"sentences":[{"text":"Yeah.","start":762.66,"end":763.16,"sentiment":"neutral","sentiment_score":0.05375754460692406},{"text":"Yeah.","start":766.01996,"end":766.26996,"sentiment":"neutral","sentiment_score":0.018082033842802048},{"text":"Yeah.","start":766.26996,"end":766.76996,"sentiment":"neutral","sentiment_score":-0.011020395904779434},{"text":"Yeah.","start":777.495,"end":777.57495,"sentiment":"negative","sentiment_score":-0.3346826732158661},{"text":"I can't help.","start":777.57495,"end":778.555,"sentiment":"negative","sentiment_score":-0.5035092731316885}],"sentiment":"neutral","sentiment_score":-0.25491304429514067,"num_words":7,"start":762.66,"end":778.555},{"sentences":[{"text":"Yeah.","start":788.71,"end":789.19,"sentiment":"neutral","sentiment_score":-0.07702886313199997},{"text":"Yeah.","start":789.19,"end":789.58997,"sentiment":"neutral","sentiment_score":-0.03325100243091583},{"text":"Right.","start":789.58997,"end":790.07,"sentiment":"neutral","sentiment_score":-0.01327762007713318},{"text":"Yeah.","start":790.07,"end":790.57,"sentiment":"neutral","sentiment_score":0.002720363438129425},{"text":"Yeah.","start":801.685,"end":802.185,"sentiment":"neutral","sentiment_score":0.055895477533340454}],"sentiment":"neutral","sentiment_score":-0.01298832893371582,"num_words":5,"start":788.71,"end":802.185},{"sentences":[{"text":"Yeah.","start":810.97,"end":811.29,"sentiment":"neutral","sentiment_score":0.1890544593334198},{"text":"Okay.","start":811.29,"end":811.76996,"sentiment":"neutral","sentiment_score":0.2307915240526199},{"text":"Yeah.","start":811.76996,"end":812.08997,"sentiment":"neutral","sentiment_score":0.29796263575553894},{"text":"If you believe yeah.","start":812.08997,"end":813.29,"sentiment":"positive","sentiment_score":0.344967246055603},{"text":"If you think that's what's gonna benefit me, definitely.","start":813.29,"end":816.11,"sentiment":"positive","sentiment_score":0.4610859784815047}],"sentiment":"positive","sentiment_score":0.3904657131060958,"num_words":16,"start":810.97,"end":816.11},{"sentences":[{"text":"Yep.","start":816.17,"end":816.67,"sentiment":"neutral","sentiment_score":0.33074280619621277},{"text":"Yeah.","start":829.29504,"end":829.79504,"sentiment":"neutral","sentiment_score":0.14172109961509705},{"text":"Mhmm.","start":829.95,"end":830.45,"sentiment":"neutral","sentiment_score":0.07504251599311829},{"text":"Yeah.","start":836.6625,"end":837.1625,"sentiment":"neutral","sentiment_score":0.07138640433549881},{"text":"Yeah.","start":848.335,"end":848.835,"sentiment":"neutral","sentiment_score":0.07996126264333725}],"sentiment":"neutral","sentiment_score":0.13977081775665284,"num_words":5,"start":816.17,"end":848.835},{"sentences":[{"text":"What would your advice be?","start":858.42,"end":859.94,"sentiment":"neutral","sentiment_score":0.018995830416679384},{"text":"Like, considering that my age and whatnot, do you think I could afford a bit higher investments for better gain, or do you think I'm better off taking the soft safer option?","start":859.94,"end":870.76,"sentiment":"neutral","sentiment_score":-0.038876064179930836},{"text":"Yeah.","start":878.565,"end":879.065,"sentiment":"neutral","sentiment_score":-0.013093750923871994},{"text":"Yeah.","start":881.285,"end":881.785,"sentiment":"neutral","sentiment_score":-0.06888632476329803},{"text":"Yeah.","start":883.52496,"end":884.02496,"sentiment":"neutral","sentiment_score":0.007906097918748856}],"sentiment":"neutral","sentiment_score":-0.030578221986070277,"num_words":40,"start":858.42,"end":884.02496},{"sentences":[{"text":"I yeah.","start":884.40497,"end":888.57,"sentiment":"neutral","sentiment_score":0.06336601637303829},{"text":"Yeah.","start":893.99,"end":894.15,"sentiment":"neutral","sentiment_score":0.09793636202812196},{"text":"Oh, okay.","start":894.15,"end":894.89,"sentiment":"neutral","sentiment_score":0.15225567668676376},{"text":"That's got better returns, but Yep.","start":895.03,"end":899.765,"sentiment":"neutral","sentiment_score":0.29661204665899277},{"text":"Yeah.","start":899.765,"end":900.265,"sentiment":"positive","sentiment_score":0.4536324143409729}],"sentiment":"neutral","sentiment_score":0.2302070368702213,"num_words":12,"start":884.40497,"end":900.265},{"sentences":[{"text":"Yep.","start":906.005,"end":906.505,"sentiment":"positive","sentiment_score":0.4724162518978119},{"text":"Yeah.","start":910.245,"end":910.745,"sentiment":"neutral","sentiment_score":0.16763606667518616},{"text":"Yeah.","start":911.25,"end":911.49,"sentiment":"neutral","sentiment_score":0.1408577561378479},{"text":"Okay.","start":911.49,"end":911.99,"sentiment":"neutral","sentiment_score":0.13842102885246277},{"text":"Yeah.","start":912.05,"end":912.37,"sentiment":"neutral","sentiment_score":0.13635458052158356}],"sentiment":"neutral","sentiment_score":0.21113713681697846,"num_words":5,"start":906.005,"end":912.37},{"sentences":[{"text":"Well, I suppose, yeah, let's give it a go.","start":912.37,"end":915.11,"sentiment":"neutral","sentiment_score":0.15949250592125785},{"text":"Yeah.","start":923.09,"end":923.59,"sentiment":"neutral","sentiment_score":0.15893235802650452},{"text":"Yeah.","start":932.115,"end":932.515,"sentiment":"neutral","sentiment_score":0.06841579079627991},{"text":"Yeah.","start":932.515,"end":932.915,"sentiment":"neutral","sentiment_score":0.08185377717018127},{"text":"Alright.","start":932.915,"end":933.415,"sentiment":"neutral","sentiment_score":0.13678142428398132}],"sentiment":"neutral","sentiment_score":0.14472430027448213,"num_words":13,"start":912.37,"end":933.415},{"sentences":[{"text":"Yep.","start":933.475,"end":933.975,"sentiment":"neutral","sentiment_score":0.17225992679595947},{"text":"Yeah.","start":940.26,"end":940.76,"sentiment":"neutral","sentiment_score":0.10091963410377502},{"text":"Yeah.","start":943.46,"end":943.96,"sentiment":"neutral","sentiment_score":0.17266565561294556},{"text":"If you, yeah, if you can twerk it just to get a little bit more, like, that percentage, that 1% up a bit, that'd be awesome.","start":944.58,"end":951.56006,"sentiment":"neutral","sentiment_score":0.3158422691317705},{"text":"Yeah.","start":951.62006,"end":952.12006,"sentiment":"positive","sentiment_score":0.36179858446121216}],"sentiment":"neutral","sentiment_score":0.30065142661333083,"num_words":30,"start":933.475,"end":952.12006},{"sentences":[{"text":"Because I think in my initial call, they were looking at getting, like, 11 to 15% or something.","start":953.065,"end":959.385,"sentiment":"neutral","sentiment_score":0.08477670326828957},{"text":"Like so yeah.","start":959.385,"end":965.005,"sentiment":"neutral","sentiment_score":0.07362230122089386},{"text":"Yeah.","start":969.05,"end":969.55,"sentiment":"neutral","sentiment_score":0.14962834119796753},{"text":"Yeah.","start":974.49,"end":974.73,"sentiment":"neutral","sentiment_score":0.06007416173815727},{"text":"Yeah.","start":974.73,"end":975.13,"sentiment":"neutral","sentiment_score":0.06973056495189667}],"sentiment":"neutral","sentiment_score":0.08442835959916313,"num_words":24,"start":953.065,"end":975.13},{"sentences":[{"text":"Okay.","start":975.13,"end":975.52997,"sentiment":"neutral","sentiment_score":0.11117756366729736},{"text":"Yeah.","start":975.52997,"end":975.85,"sentiment":"neutral","sentiment_score":0.01462707482278347},{"text":"Yep.","start":975.85,"end":976.35,"sentiment":"neutral","sentiment_score":-0.06267809122800827},{"text":"Yeah.","start":979.69,"end":980.19,"sentiment":"neutral","sentiment_score":0.03385777771472931},{"text":"Yeah.","start":984.405,"end":984.905,"sentiment":"neutral","sentiment_score":0.13690069317817688}],"sentiment":"neutral","sentiment_score":0.04677700363099575,"num_words":5,"start":975.13,"end":984.905},{"sentences":[{"text":"Okay.","start":984.965,"end":985.285,"sentiment":"neutral","sentiment_score":0.1787180453538895},{"text":"Let's do that.","start":985.285,"end":986.085,"sentiment":"neutral","sentiment_score":0.17490566273530325},{"text":"Yeah.","start":986.085,"end":986.405,"sentiment":"neutral","sentiment_score":0.07428853213787079},{"text":"No.","start":986.405,"end":986.645,"sentiment":"neutral","sentiment_score":0.06922268867492676},{"text":"Definitely.","start":986.645,"end":987.145,"sentiment":"neutral","sentiment_score":0.32480382919311523}],"sentiment":"neutral","sentiment_score":0.167392869080816,"num_words":7,"start":984.965,"end":987.145},{"sentences":[{"text":"Mhmm.","start":993.6,"end":994.1,"sentiment":"neutral","sentiment_score":-0.02327415347099304},{"text":"Yep.","start":1000.7325,"end":1001.2325,"sentiment":"neutral","sentiment_score":0.05199771374464035},{"text":"Yeah.","start":1014.745,"end":1015.245,"sentiment":"neutral","sentiment_score":-0.1874007284641266},{"text":"Yeah.","start":1018.665,"end":1019.165,"sentiment":"neutral","sentiment_score":-0.060719192028045654},{"text":"Yeah.","start":1019.385,"end":1019.545,"sentiment":"neutral","sentiment_score":-0.051834531128406525}],"sentiment":"neutral","sentiment_score":-0.05424617826938629,"num_words":5,"start":993.6,"end":1019.545},{"sentences":[{"text":"Okay.","start":1019.545,"end":1020.045,"sentiment":"neutral","sentiment_score":-0.10925646126270294},{"text":"Yeah.","start":1025.11,"end":1025.51,"sentiment":"neutral","sentiment_score":-0.053083062171936035},{"text":"Right.","start":1025.51,"end":1026.01,"sentiment":"neutral","sentiment_score":-0.03288578987121582},{"text":"Yeah.","start":1026.0701,"end":1026.5701,"sentiment":"neutral","sentiment_score":-0.026050277054309845},{"text":"Yep.","start":1037.3351,"end":1037.8151,"sentiment":"neutral","sentiment_score":0.04210289940237999}],"sentiment":"neutral","sentiment_score":-0.03583453819155693,"num_words":5,"start":1019.545,"end":1037.8151},{"sentences":[{"text":"Yep.","start":1037.8151,"end":1038.3151,"sentiment":"neutral","sentiment_score":0.09303655475378036},{"text":"Yeah.","start":1041.415,"end":1041.735,"sentiment":"neutral","sentiment_score":0.06562868505716324},{"text":"Okay.","start":1041.735,"end":1042.2151,"sentiment":"neutral","sentiment_score":0.06876309216022491},{"text":"Yep.","start":1042.2151,"end":1042.615,"sentiment":"neutral","sentiment_score":0.07791481167078018},{"text":"Yeah.","start":1042.615,"end":1042.935,"sentiment":"neutral","sentiment_score":0.058411840349435806}],"sentiment":"neutral","sentiment_score":0.0727509967982769,"num_words":5,"start":1037.8151,"end":1042.935},{"sentences":[{"text":"No.","start":1042.935,"end":1043.175,"sentiment":"neutral","sentiment_score":-0.009532753378152847},{"text":"Definitely.","start":1043.175,"end":1043.675,"sentiment":"neutral","sentiment_score":0.14400087296962738},{"text":"Yep.","start":1043.9751,"end":1044.4751,"sentiment":"neutral","sentiment_score":0.23430612683296204},{"text":"Yep.","start":1055.53,"end":1056.03,"sentiment":"neutral","sentiment_score":0.08538736402988434},{"text":"Yep.","start":1058.25,"end":1058.75,"sentiment":"neutral","sentiment_score":0.11247457563877106}],"sentiment":"neutral","sentiment_score":0.1133272372186184,"num_words":5,"start":1042.935,"end":1058.75},{"sentences":[{"text":"Okay.","start":1058.8099,"end":1059.29,"sentiment":"neutral","sentiment_score":0.14941120147705078},{"text":"Yep.","start":1059.29,"end":1059.69,"sentiment":"neutral","sentiment_score":0.18793392181396484},{"text":"Sweet.","start":1059.69,"end":1060.1699,"sentiment":"positive","sentiment_score":0.43687203526496887},{"text":"Yep.","start":1060.1699,"end":1060.6699,"sentiment":"neutral","sentiment_score":-0.006735437549650669},{"text":"Yep.","start":1068.965,"end":1069.465,"sentiment":"neutral","sentiment_score":0.10939836502075195}],"sentiment":"neutral","sentiment_score":0.17537601720541715,"num_words":5,"start":1058.8099,"end":1069.465},{"sentences":[{"text":"Yep.","start":1070.4049,"end":1070.9049,"sentiment":"neutral","sentiment_score":0.1868339627981186},{"text":"Yep.","start":1074.56,"end":1075.06,"sentiment":"neutral","sentiment_score":0.09937003254890442},{"text":"Okay.","start":1076.16,"end":1076.48,"sentiment":"neutral","sentiment_score":0.23259413242340088},{"text":"Cool.","start":1076.48,"end":1076.8,"sentiment":"positive","sentiment_score":0.346127450466156},{"text":"Yep.","start":1076.8,"end":1077.3,"sentiment":"neutral","sentiment_score":0.16764728724956512}],"sentiment":"neutral","sentiment_score":0.206514573097229,"num_words":5,"start":1070.4049,"end":1077.3},{"sentences":[{"text":"Yep.","start":1082.4,"end":1082.9,"sentiment":"neutral","sentiment_score":0.04635429382324219},{"text":"Yep.","start":1083.2001,"end":1083.7001,"sentiment":"neutral","sentiment_score":0.03081030771136284},{"text":"Yep.","start":1085.76,"end":1086.26,"sentiment":"neutral","sentiment_score":0.04921692609786987},{"text":"Yep.","start":1088.9349,"end":1089.4349,"sentiment":"neutral","sentiment_score":0.05725698918104172},{"text":"Yep.","start":1094.375,"end":1094.875,"sentiment":"neutral","sentiment_score":0.05995642766356468}],"sentiment":"neutral","sentiment_score":0.04871898889541626,"num_words":5,"start":1082.4,"end":1094.875},{"sentences":[{"text":"Yep.","start":1096.375,"end":1096.875,"sentiment":"neutral","sentiment_score":0.1550077199935913},{"text":"Yeah.","start":1103.85,"end":1104.3301,"sentiment":"neutral","sentiment_score":0.07262933999300003},{"text":"Yeah.","start":1104.3301,"end":1104.8301,"sentiment":"neutral","sentiment_score":0.08546170592308044},{"text":"Maybe a little bit more.","start":1105.77,"end":1107.13,"sentiment":"neutral","sentiment_score":0.10696981400251389},{"text":"But yeah.","start":1107.13,"end":1107.9501,"sentiment":"neutral","sentiment_score":0.03990798816084862}],"sentiment":"neutral","sentiment_score":0.09277638122439384,"num_words":10,"start":1096.375,"end":1107.9501},{"sentences":[{"text":"I'd say that's my base.","start":1108.09,"end":1109.79,"sentiment":"neutral","sentiment_score":0.10145241841673851},{"text":"Yeah.","start":1114.985,"end":1115.485,"sentiment":"neutral","sentiment_score":0.04811381176114082},{"text":"Yep.","start":1115.545,"end":1116.045,"sentiment":"neutral","sentiment_score":0.06495444476604462},{"text":"Yep.","start":1116.105,"end":1116.605,"sentiment":"neutral","sentiment_score":0.08835419267416},{"text":"I think I've been hitting around the 100 mark each year just with overtime and whatnot.","start":1116.665,"end":1122.525,"sentiment":"neutral","sentiment_score":0.1314599486067891}],"sentiment":"neutral","sentiment_score":0.11716848829140265,"num_words":24,"start":1108.09,"end":1122.525},{"sentences":[{"text":"So yeah.","start":1122.665,"end":1129.64,"sentiment":"neutral","sentiment_score":0.2272295206785202},{"text":"Yep.","start":1130.58,"end":1131.08,"sentiment":"neutral","sentiment_score":0.12363600730895996},{"text":"Yep.","start":1137.38,"end":1137.88,"sentiment":"neutral","sentiment_score":0.08963203430175781},{"text":"No.","start":1152.855,"end":1153.175,"sentiment":"neutral","sentiment_score":-0.09607766568660736},{"text":"No.","start":1153.175,"end":1153.495,"sentiment":"neutral","sentiment_score":-0.1171782612800598}],"sentiment":"neutral","sentiment_score":0.0757451926668485,"num_words":6,"start":1122.665,"end":1153.495},{"sentences":[{"text":"Nothing.","start":1153.495,"end":1153.895,"sentiment":"neutral","sentiment_score":-0.10767248272895812},{"text":"I paid all that out.","start":1153.895,"end":1155.39,"sentiment":"neutral","sentiment_score":-0.0021094910800457},{"text":"So no.","start":1156.91,"end":1157.5701,"sentiment":"neutral","sentiment_score":0.13270051032304764},{"text":"Look at yeah.","start":1161.9501,"end":1164.61,"sentiment":"neutral","sentiment_score":0.00982595980167389},{"text":"Yep.","start":1164.67,"end":1165.17,"sentiment":"neutral","sentiment_score":0.08931627124547958}],"sentiment":"neutral","sentiment_score":0.022164602763950825,"num_words":12,"start":1153.495,"end":1165.17},{"sentences":[{"text":"Oh, I'm just trying to do savings.","start":1172.515,"end":1174.4551,"sentiment":"neutral","sentiment_score":0.08739764562674932},{"text":"Like, I'm for I'm trying to save, like, like, $20 this year.","start":1174.515,"end":1179.635,"sentiment":"neutral","sentiment_score":0.12373445307215054},{"text":"Like so my I was thinking of doing it over two years to save $40, $20 a year and whatnot.","start":1179.635,"end":1188.66,"sentiment":"neutral","sentiment_score":0.13208440598100424},{"text":"But, yeah, I'm, like yeah.","start":1188.8,"end":1191.54,"sentiment":"neutral","sentiment_score":0.020717846136540173},{"text":"I'm I'm I'm getting there because I'm getting a bit of overtime at the moment.","start":1191.68,"end":1196.16,"sentiment":"neutral","sentiment_score":-0.18652148445447286}],"sentiment":"neutral","sentiment_score":0.034644949826080414,"num_words":59,"start":1172.515,"end":1196.16},{"sentences":[{"text":"So I I've got some cash put aside, but I need to, I don't know, put it into something that so I can't actually touch it because I find when I can touch it, that's that's the problem.","start":1196.16,"end":1209.165,"sentiment":"negative","sentiment_score":-0.3805046073700252},{"text":"It's easy to access.","start":1209.465,"end":1210.92,"sentiment":"neutral","sentiment_score":0.2557930536568165},{"text":"Yeah.","start":1212.36,"end":1212.86,"sentiment":"neutral","sentiment_score":0.059366583824157715},{"text":"Yeah.","start":1221.0801,"end":1221.5801,"sentiment":"neutral","sentiment_score":-0.07927669584751129},{"text":"Yeah.","start":1232.555,"end":1232.795,"sentiment":"neutral","sentiment_score":-0.05787739157676697}],"sentiment":"neutral","sentiment_score":-0.30030645264519584,"num_words":45,"start":1196.16,"end":1232.795},{"sentences":[{"text":"Yeah.","start":1232.795,"end":1233.295,"sentiment":"neutral","sentiment_score":-0.06148338317871094},{"text":"Yeah.","start":1233.3551,"end":1233.8551,"sentiment":"neutral","sentiment_score":-0.09963145852088928},{"text":"Thank you.","start":1236.555,"end":1237.4551,"sentiment":"neutral","sentiment_score":0.04413606971502304},{"text":"Yeah.","start":1237.755,"end":1238.155,"sentiment":"neutral","sentiment_score":0.07352710515260696},{"text":"Yeah.","start":1238.155,"end":1238.655,"sentiment":"neutral","sentiment_score":0.13117127120494845}],"sentiment":"neutral","sentiment_score":0.021975945681333545,"num_words":6,"start":1232.795,"end":1238.655},{"sentences":[{"text":"Yeah.","start":1243.45,"end":1243.69,"sentiment":"neutral","sentiment_score":0.046850644052028656},{"text":"No.","start":1243.69,"end":1244.09,"sentiment":"neutral","sentiment_score":-0.004808899015188217},{"text":"Yeah.","start":1244.09,"end":1244.59,"sentiment":"neutral","sentiment_score":0.011928752064704897},{"text":"Yeah.","start":1250.8099,"end":1251.13,"sentiment":"neutral","sentiment_score":0.010330691933631895},{"text":"Yeah.","start":1251.13,"end":1251.53,"sentiment":"neutral","sentiment_score":0.0006892774254083633}],"sentiment":"neutral","sentiment_score":0.01299809329211712,"num_words":5,"start":1243.45,"end":1251.53},{"sentences":[{"text":"Because my because, like, I work so we work nine day or fortnight.","start":1251.53,"end":1255.765,"sentiment":"neutral","sentiment_score":-0.025738773867487907},{"text":"And so on one one week's a short week, so I'll like, I I can't save much there.","start":1255.905,"end":1263.265,"sentiment":"neutral","sentiment_score":-0.10817146684146589},{"text":"But on the other week, I get, like, I don't know, sometimes, like, $700 extra, like, so if I could put that away and just live off my base, then that's, like, that's my plan anyway.","start":1263.265,"end":1276.03,"sentiment":"neutral","sentiment_score":-0.23667404428124428},{"text":"So but, yeah, I I do have I've got two accounts.","start":1276.03,"end":1279.39,"sentiment":"neutral","sentiment_score":-0.04672776196490635},{"text":"So I'm gonna go and sort out with my local bank and just say, like, look.","start":1279.39,"end":1285.115,"sentiment":"neutral","sentiment_score":-0.06378172733820975}],"sentiment":"neutral","sentiment_score":-0.13123903272950904,"num_words":94,"start":1251.53,"end":1285.115},{"sentences":[{"text":"I wanna be able to put money in here, but not take it out unless I actually come into the bank.","start":1285.115,"end":1290.395,"sentiment":"neutral","sentiment_score":-0.16094910903345971},{"text":"Like, I don't want and I don't have a card for that account or whatever.","start":1290.395,"end":1295.5499,"sentiment":"neutral","sentiment_score":-0.32993335723876954},{"text":"Well, I do for an all access, but, like, there's I've got, like, different accounts off that actual bank.","start":1295.5499,"end":1301.5499,"sentiment":"neutral","sentiment_score":0.04037978960887382},{"text":"So, yeah, I might actually look at doing that because I think that's the only way it's gonna be safe.","start":1301.5499,"end":1306.35,"sentiment":"neutral","sentiment_score":0.12937440127134323},{"text":"Because while it's there, you can just if you can access it, it's just too convenient.","start":1306.35,"end":1311.895,"sentiment":"neutral","sentiment_score":0.24190931860357523}],"sentiment":"neutral","sentiment_score":-0.012128335413533253,"num_words":91,"start":1285.115,"end":1311.895},{"sentences":[{"text":"Like yeah.","start":1312.435,"end":1314.4551,"sentiment":"neutral","sentiment_score":0.22933895885944366},{"text":"Yeah.","start":1315.3151,"end":1315.8151,"sentiment":"neutral","sentiment_score":0.12433206290006638},{"text":"For sure.","start":1315.9551,"end":1316.775,"sentiment":"neutral","sentiment_score":0.11547962576150894},{"text":"Whereas if you don't, you can still see it grow, which is nice, but then not be able to just easily transfer it out on NetBank or something.","start":1317.395,"end":1326.0701,"sentiment":"neutral","sentiment_score":0.16350106016865798},{"text":"That's awesome.","start":1326.0701,"end":1326.81,"sentiment":"positive","sentiment_score":0.7499577403068542}],"sentiment":"neutral","sentiment_score":0.1969118399279458,"num_words":35,"start":1312.435,"end":1326.81},{"sentences":[{"text":"Yeah.","start":1334.55,"end":1335.05,"sentiment":"neutral","sentiment_score":0.13163676857948303},{"text":"Yep.","start":1338.63,"end":1339.095,"sentiment":"neutral","sentiment_score":0.226009339094162},{"text":"Perfect.","start":1339.335,"end":1339.835,"sentiment":"positive","sentiment_score":0.45388391613960266},{"text":"Oh, I've got, like, five brands.","start":1346.135,"end":1348.475,"sentiment":"neutral","sentiment_score":0.12514644488692284},{"text":"That's it.","start":1349.1749,"end":1349.995,"sentiment":"neutral","sentiment_score":0.3305453211069107}],"sentiment":"neutral","sentiment_score":0.20213630321350964,"num_words":11,"start":1334.55,"end":1349.995},{"sentences":[{"text":"Yeah.","start":1355.35,"end":1355.85,"sentiment":"neutral","sentiment_score":0.029629116877913475},{"text":"No.","start":1363.27,"end":1363.77,"sentiment":"neutral","sentiment_score":-0.06339842081069946},{"text":"Yeah.","start":1375.745,"end":1376.245,"sentiment":"neutral","sentiment_score":-0.029028885066509247},{"text":"I'm actually on a program to give up.","start":1377.345,"end":1379.82,"sentiment":"neutral","sentiment_score":-0.07743530627340078},{"text":"So, hopefully, by by the next phone call, that'll be done.","start":1379.8999,"end":1383.9199,"sentiment":"neutral","sentiment_score":0.06857265845279802}],"sentiment":"neutral","sentiment_score":0.0032735728997398505,"num_words":22,"start":1355.35,"end":1383.9199},{"sentences":[{"text":"Yeah.","start":1395.4349,"end":1395.755,"sentiment":"neutral","sentiment_score":0.0800180435180664},{"text":"Okay.","start":1395.755,"end":1396.255,"sentiment":"neutral","sentiment_score":0.10283206403255464},{"text":"Yeah.","start":1399.515,"end":1400.015,"sentiment":"neutral","sentiment_score":0.047576118260622025},{"text":"Perfect.","start":1402.075,"end":1402.575,"sentiment":"positive","sentiment_score":0.4207093119621277},{"text":"Yep.","start":1402.715,"end":1403.215,"sentiment":"neutral","sentiment_score":0.25471872091293335}],"sentiment":"neutral","sentiment_score":0.18117085173726083,"num_words":5,"start":1395.4349,"end":1403.215},{"sentences":[{"text":"No.","start":1412.43,"end":1412.75,"sentiment":"neutral","sentiment_score":-0.20510601997375488},{"text":"I think that's pretty much I I don't not off the top of my head.","start":1412.75,"end":1416.99,"sentiment":"neutral","sentiment_score":-0.2248523086309433},{"text":"No.","start":1416.99,"end":1417.49,"sentiment":"neutral","sentiment_score":-0.06866669654846191},{"text":"Yep.","start":1430.475,"end":1430.975,"sentiment":"neutral","sentiment_score":0.08345308899879456},{"text":"Yep.","start":1431.995,"end":1432.495,"sentiment":"neutral","sentiment_score":0.23707568645477295}],"sentiment":"neutral","sentiment_score":-0.17505413529119992,"num_words":19,"start":1412.43,"end":1432.495},{"sentences":[{"text":"Sounds good.","start":1432.715,"end":1433.695,"sentiment":"positive","sentiment_score":0.6474998295307159},{"text":"Yep.","start":1440.4401,"end":1440.9401,"sentiment":"neutral","sentiment_score":0.23650257289409635},{"text":"Perfect.","start":1443.64,"end":1444.14,"sentiment":"positive","sentiment_score":0.6722872853279114},{"text":"Awesome.","start":1451.015,"end":1451.515,"sentiment":"positive","sentiment_score":0.612389326095581},{"text":"Yep.","start":1451.655,"end":1451.975,"sentiment":"positive","sentiment_score":0.3697628378868103}],"sentiment":"positive","sentiment_score":0.5309902802109718,"num_words":6,"start":1432.715,"end":1451.975},{"sentences":[{"text":"No worries.","start":1451.975,"end":1452.715,"sentiment":"positive","sentiment_score":0.4588235020637512},{"text":"Beautiful.","start":1453.3589,"end":1453.8389,"sentiment":"positive","sentiment_score":0.7487701177597046},{"text":"Thank you very much.","start":1453.8389,"end":1454.9789,"sentiment":"positive","sentiment_score":0.8136113435029984},{"text":"You too.","start":1458.3989,"end":1458.9589,"sentiment":"positive","sentiment_score":0.6397438049316406},{"text":"Cheers.","start":1458.9589,"end":1459.4388,"sentiment":"positive","sentiment_score":0.6351746320724487}],"sentiment":"positive","sentiment_score":0.683552473783493,"num_words":10,"start":1451.975,"end":1459.4388},{"sentences":[{"text":"Bye.","start":1459.4388,"end":1459.9388,"sentiment":"positive","sentiment_score":0.3954542875289917}],"sentiment":"positive","sentiment_score":0.3954542875289917,"num_words":1,"start":1459.4388,"end":1459.9388}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Kim speaking.\n\nChannel 0: Good morning, Kim. It's Tommy here, senior adviser from Oakview Financial. How are you doing today?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: I'm doing fantastic. Thank you for asking. I just wanted to start by just letting you know that Veronica was scheduled to give you a call this morning, and\n\nChannel 1: Yeah.\n\nChannel 0: she's ill today. So I wanted to jump in and assist you.\n\nChannel 1: Yeah. Awesome. Okay. Yep. No worries.\n\nChannel 0: Perfect. Usual process. Just wanted to make sure you're okay for this call to be recorded.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And do you recall, for security purposes, your client password?\n\nChannel 1: Paris.\n\nChannel 0: That's the one. Thank you so much for that, Kim. Appreciate it. I've just been going through the notes this morning before this call, and I wanted to basically have a chat to you about two things,\n\nChannel 1: Yep.\n\nChannel 0: your beneficiaries and\n\nChannel 1: Yep.\n\nChannel 0: the portfolio for your Hub 20 four super. Is that kind of the two main things that you wanted to talk about?\n\nChannel 1: Yeah. I believe so. Yep.\n\nChannel 0: Perfect. Perfect. So I'll start with the nice and easy one with the beneficiaries, if that's okay. Seems like you're trying to do a little bit of a split between the family to make sure the kids are looked after, that kind of thing. Is that right?\n\nChannel 1: Yep. Yeah. Yeah.\n\nChannel 0: Awesome. So one of the things I wanted to check with you, there's a couple of ideas on how you can do this because I'm just having a look at the notes now. Let me just make sure I've got this one right.\n\nChannel 1: Yep.\n\nChannel 0: We've got Logan and Tyson, and you\n\nChannel 1: Yep.\n\nChannel 0: wanna kind of get them a little bit of a split of, like, the super funds, life insurance, and so on.\n\nChannel 1: Yeah. Yep. Yep. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So because Logan's 19, but Carson's only four. So\n\nChannel 0: Yes.\n\nChannel 1: I was thinking of, like, I was thinking, like, of splitting like, maybe going putting my brother down for half and then the boys, like, can get 25 each until, like I don't know. Until they're of, like, the age of 25 or something.\n\nChannel 0: Yeah. Yeah. Okay. There is definitely a way to do that. So when it comes to, like, minor children, for example, would your brother be the person who would eventually be their guardian, would you say?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So let's say, just for example, you were to split fifty fifty between the two children. Right?\n\nChannel 1: Yep.\n\nChannel 0: The 50% for your youngest would essentially be controlled by whoever their guardian is on\n\nChannel 1: Yep.\n\nChannel 0: their behalf.\n\nChannel 1: Oh, okay.\n\nChannel 0: K?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now when it comes to beneficiary nominations, they've got these CISACT restrictions on who can be a valid beneficiary. So most of the time, it's basically a partner or a child\n\nChannel 1: Mhmm.\n\nChannel 0: or someone that you've got, like, a financial dependency relationship with. Like, you know, you're looking after your parents and they live with you, that kind of thing.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: K.\n\nChannel 1: Okay.\n\nChannel 0: But there is a way to do it. Do you currently have I'm just looking through your fact finding your your financial details. Do you currently have, like, a will in place by any chance?\n\nChannel 1: Yep. No. We were gonna discuss that as well, I believe.\n\nChannel 0: Yep. So one of the things that you can do, and this is really cool, is when you go to set up a will, you can put in place something called a testamentary trust will. And what\n\nChannel 1: Yep.\n\nChannel 0: it basically does is, like, let's say, when you pass away, that will will create\n\nChannel 1: Yeah.\n\nChannel 0: a trust fund. And what you can do is you can put, like, a superannuation in there, your cash, your life insurance, and so on, and you can then distribute out, okay. I want this to be given out as an income to the kids until they're 18 or 25, and then they\n\nChannel 1: Yeah.\n\nChannel 0: get full ownership over the funds.\n\nChannel 1: Oh, okay. Yep. Yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Okay.\n\nChannel 0: kind of like a structure that you've gotta put in place where you just put in place this one will. You can nominate the beneficiaries for your super to go to your estate, which then gets controlled by the will. It's\n\nChannel 1: Yep.\n\nChannel 0: called an LPR nomination. It just sends\n\nChannel 1: Oh,\n\nChannel 0: it to\n\nChannel 1: okay.\n\nChannel 0: your estate.\n\nChannel 1: Yep. Yep. Alright.\n\nChannel 0: K? So I just wanted to broach that with you because there's kind of two options here. You can kind of just directly nominate the children, and then that's how the funds would be kind of allocated and whoever looks after your youngest would control the funds,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: or\n\nChannel 1: Yeah.\n\nChannel 0: you could aim it towards a will and set up, like, a a triggering trust fund.\n\nChannel 1: Okay. Yep. I don't know. Yeah. What would you recommend would be best?\n\nLike because I'm I'm I'm kind of in a situation at the moment. Carson doesn't have too much to do with his father. But,\n\nChannel 0: Yes.\n\nChannel 1: obviously, if I did die, like, I've asked my brother and his and my sister-in-law, and they'd like because, obviously, I'd want him to go to them, like, because, like, he doesn't really have much to do with his father at all.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Mhmm. But he is trying to be a part of his life, and the last thing I want is him to get my money, obviously. So\n\nChannel 0: Exactly.\n\nChannel 1: I yeah. So I'm kind of I don't I don't what would you suggest? Like because, obviously, he like, he's not on the birth certificate because it's been a bit of a rough trough. But, like, being the father, like, I don't know what power when I'm dead. I'd have, like like, I think he might get, like, rights to Carson, like, over my brother, which will be devastating, but I still don't want him to get my money.\n\nSo, yeah, I don't\n\nChannel 0: Yeah.\n\nChannel 1: know\n\nChannel 0: So\n\nChannel 1: what's my\n\nChannel 0: that's exactly what I'm worried about because that happens a lot where\n\nChannel 1: yeah.\n\nChannel 0: money is left to children that are under the age of 18, and then everybody comes out of the woodworks, and whoever ends up getting, like, custody gets control over your funds. And\n\nChannel 1: Yeah.\n\nChannel 0: that's exactly why we do things like a testamentary trust.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: So you've gotta\n\nChannel 1: Yeah.\n\nChannel 0: essentially do it in two steps. Right? Like, we can't submit a beneficiary to the Superfund with your brother nominated. That would be in invalid.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: the first step would be to, like, split it between the kids so it's at least it's in place.\n\nChannel 1: Yep.\n\nChannel 0: Because let's say we did that nomination to your estate. If you don't actually set up that will, then all of your super and life insurance and all this goes to your name, and it just\n\nChannel 1: Yes.\n\nChannel 0: kinda sits there, and then everyone goes to court to try and, you know, fight over who\n\nChannel 1: Yeah.\n\nChannel 0: can can\n\nChannel 1: Yeah. Right.\n\nChannel 0: get it because there's no\n\nChannel 1: Yeah.\n\nChannel 0: will to say what happens to it.\n\nChannel 1: Okay. Yeah. Yeah. Alright.\n\nChannel 0: So what I'm\n\nChannel 1: Okay.\n\nChannel 0: saying is we basically do a two step process is you can\n\nChannel 1: Yep.\n\nChannel 0: kind of split it between the kits. And then as\n\nChannel 1: Yep.\n\nChannel 0: soon as you got that will in place, we switch it to a LPR nomination so that it can\n\nChannel 1: Okay.\n\nChannel 0: be looked after that way. We can do the LPR nomination now, but that's the risk is that it's being aimed at your estate without a will. So if you're telling me I'll get that done this year, that's okay. If it may take a few years and a few reminders to do, I don't wanna kind of put something in place that's gonna leave you in limbo lane.\n\nChannel 1: Yeah. Yeah. No. Okay. Yeah.\n\nWell, okay. Let's split it between the kids, if that's what you reckon, and then, yeah, I'll do how much does it cost to do a Will?\n\nChannel 0: Well,\n\nChannel 1: Mhmm.\n\nChannel 0: there's a few options. So you can actually go to, like, the the post office has will kits for $25.\n\nChannel 1: Yeah.\n\nChannel 0: Outside\n\nChannel 1: Okay.\n\nChannel 0: of that, you've obviously got lawyers, which they're\n\nChannel 1: Yeah.\n\nChannel 0: not too\n\nChannel 1: Yeah.\n\nChannel 0: expensive for a simple will. And then you've also got, like, a public trustee for every state. You know, like, when you go to, like, a courthouse and and things like that, they have public trustees that do wills and powers of attorney and things like that similar to a solicitor.\n\nChannel 1: Yeah. Okay. Yeah. Yeah.\n\nChannel 0: So there's a\n\nChannel 1: Yeah.\n\nChannel 0: few options there. There's, you know, cheap will kit can get your basic one. I would go to maybe, like, call up the the Google, the public trustee for your state and give them a call and see how much\n\nChannel 1: Yeah.\n\nChannel 0: that would cost, whether it's, you know, $200 or something like that, see what\n\nChannel 1: Yep.\n\nChannel 0: it's like.\n\nChannel 1: Okay. Alright. Yep. So you don't do you don't offer anything like that? Or\n\nChannel 0: We we don't have any kind of lawyers to recommend you to. There\n\nChannel 1: Yeah.\n\nChannel 0: is, I think,\n\nChannel 1: Okay.\n\nChannel 0: one that possibly could, but I'm not sure if they kind of service nationwide. That's all.\n\nChannel 1: Yeah. Okay. Alright. No. No.\n\nThat's alright. So I gotta look into I'll so I'll just look into doing a will in the next, what, twelve months, you say?\n\nChannel 0: Yep.\n\nChannel 1: Or\n\nChannel 0: Yeah.\n\nChannel 1: six\n\nChannel 0: So\n\nChannel 1: months?\n\nChannel 0: what I'm thinking is, like, if you do get it sorted relatively soon, we can do that\n\nChannel 1: Yep.\n\nChannel 0: nomination I'm thinking of. But I don't\n\nChannel 1: Yep.\n\nChannel 0: wanna put it in place now, and then it's three years down the line and there's no will and then\n\nChannel 1: Yeah.\n\nChannel 0: limbo land. So it's really gauging up to you. Do you\n\nChannel 1: Okay.\n\nChannel 0: are you okay to do an interim nomination now and then fix it up once your will is in place, or you just wanna do that skip ahead?\n\nChannel 1: Yeah. Yeah. Well, I'll I'll work on giving myself six months to do the will.\n\nChannel 0: Yep.\n\nChannel 1: I'll I'll talk to I'll go I'll get some advice and whatnot because, yeah, I might have an old barrister that might be able to help me as well. So if I, yeah, if I get a will in place, then do I, what, send you a copy of that will, or what happens?\n\nChannel 0: No. You don't have to do that. You just have to give us a call to let us know that you've done that and\n\nChannel 1: Yeah.\n\nChannel 0: to just ask about your beneficiaries, and\n\nChannel 1: Yeah.\n\nChannel 0: then we can put in place that, you know, redo the forms with you.\n\nChannel 1: Okay. Yeah. Alright. Let's do that then.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: even now, like, I'm googling, you're in Queensland in Kirwan, aren't you?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. So when I Google Queensland public trustee, like, the fourth link down, that all the links just show QPT, and,\n\nChannel 1: Mhmm.\n\nChannel 0: like, the\n\nChannel 1: Yep.\n\nChannel 0: fourth one down, which we said, out will service, and there's, like, a phone number there. Book an appointment,\n\nChannel 1: Okay.\n\nChannel 0: different physical locations you can go to, all that kind of thing.\n\nChannel 1: Yep. Awesome. Alright. No. That sounds great.\n\nYep.\n\nChannel 0: Cool. So I'll put in to do the the fifty fifty split for the time being and some notes that we're gonna look for the testamentary trust will.\n\nChannel 1: Yep.\n\nChannel 0: And alright. So that's all good. Alright. So the next thing, I'll put some notes in file for that. We'll send you out the forms, get that organized.\n\nJust\n\nChannel 1: Mhmm.\n\nChannel 0: with the the superannuation, so the returns of the Hub twenty four, I've been looking through your portfolio. Have you had a chance to, like, log in to your Hub twenty four much?\n\nChannel 1: No. I don't know my login.\n\nChannel 0: No. That's okay. So whenever we do these, like, reviews of investments and performance, I do a little bit of a short and long term look where I go, okay.\n\nChannel 1: Mhmm.\n\nChannel 0: How's\n\nChannel 1: Yep.\n\nChannel 0: it going for the last twelve months? How's it going for five years? Is it kind of tracking\n\nChannel 1: Yep.\n\nChannel 0: well? That kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: So you're in just to give you a bit of a recap. So you're in, like, a growth portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: So that's, like, a four out of five on the risk scale, 80% of your money in shares and property. So you're still focused on trying to grow your super at this point.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: You're not high risk, but you're kind of the one below that, if that makes sense.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Now when you're in growth, you're aiming for an average return of about eight or 9%. Like, it'll\n\nChannel 1: Mhmm.\n\nChannel 0: go up ten, fifteen, 20% a year, may go down once every seven years when there's a, you know, global financial crisis, COVID, World War three,\n\nChannel 1: Yeah.\n\nChannel 0: whatever it is. But you wanna\n\nChannel 1: Yeah.\n\nChannel 0: average out as close to 10% as you can. Does that make sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Now\n\nChannel 1: I'm\n\nChannel 0: when\n\nChannel 1: I'm\n\nChannel 0: I\n\nChannel 1: doing, like, one percent of something.\n\nChannel 0: yes. So the last twelve\n\nChannel 1: Yeah.\n\nChannel 0: months, one percent. And, obviously, markets have been a bit choppy, but it\n\nChannel 1: Yeah.\n\nChannel 0: should have been a little bit higher than one. I would have\n\nChannel 1: Yeah.\n\nChannel 0: expected it to do around about six or seven given what's happened\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Right.\n\nChannel 0: the last twelve months.\n\nChannel 1: Yeah.\n\nChannel 0: K.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: So when I look at this long term, it's it's still been hitting about nine and a half percent for the last five years, which is good, but there's a couple of red flags that I can see on your account.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Now with the portfolio that we've put together for you, we've got about eight options that\n\nChannel 1: Yeah.\n\nChannel 0: are in there, and they make up your super. You know, some's in gold, some of them's in shares, some of them's in cash, some of them's in property. Does that make sense?\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: Yeah. Yep. Now out of all the eight options, six of them are doing fantastic. Your\n\nChannel 1: Yep.\n\nChannel 0: your gold is up 60%. It's like it's been a ridiculous year.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: your Australian shares, like the ones that invest in, like, your Commonwealth Bank and your Rio Tinto and all of the companies in this country, that's sort of underperformed the Aussie market and the other\n\nChannel 1: Yeah.\n\nChannel 0: Australian funds that are out there.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Normally, if it underperforms for a year, that's not really that big of a deal because it averages out, but this particular option has kind of been sort of under skirting for two years.\n\nChannel 1: Yeah. I can't help.\n\nChannel 0: So that's my my pinpoint to say, I'm gonna have to look at replacing this spend along option that you have. The rest of them are looking good, but that one in particular is kind of weighing you down a little bit.\n\nChannel 1: Yeah. Yeah. Right. Yeah.\n\nChannel 0: K? So I would actually recommend, like, if you're comfortable with just still growing your super as it has been and and still aiming for those average returns that we're looking for, I\n\nChannel 1: Yeah.\n\nChannel 0: would at least switch a few options around. I wouldn't increase your risk or anything like that or put more money in, just kind of switch some options around for you.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Yeah. If you believe yeah. If you think that's what's gonna benefit me, definitely. Yep.\n\nChannel 0: And we already have a few in mind. Like, I've been talking to our investment committee about some options in that Australian space because I've noticed a little bit this year since we've come back from Christmas.\n\nChannel 1: Yeah.\n\nChannel 0: I do\n\nChannel 1: Mhmm.\n\nChannel 0: just have to ask you one question. There's no right or wrong answer for this. It's really just about that feeling because I can pick a good one either way.\n\nChannel 1: Yeah.\n\nChannel 0: And the question is, if you could choose between, like, the lowest fees or paying higher investment fees to try and get a higher return, which way do\n\nChannel 1: Yeah.\n\nChannel 0: you lean personally?\n\nChannel 1: What would your advice be? Like, considering that my age and whatnot, do you think I could afford a bit higher investments for better gain, or do you think I'm better off taking the soft safer option?\n\nChannel 0: Well, your that Benelon option that I'm looking at replacing, that's in an active space, which is that\n\nChannel 1: Yeah.\n\nChannel 0: kind of high fees to get the high returns, but\n\nChannel 1: Yeah.\n\nChannel 0: it hasn't actually done that, if that makes\n\nChannel 1: Yeah.\n\nChannel 0: sense. So\n\nChannel 1: I\n\nChannel 0: what I'm saying is I can keep it in the same style and replace\n\nChannel 1: yeah.\n\nChannel 0: it like for like with another active option that has actually done that.\n\nChannel 1: Yeah. Oh, okay. That's got better returns, but\n\nChannel 0: Yes. And slightly lower fees, similar,\n\nChannel 1: Yep. Yeah.\n\nChannel 0: slightly slightly more affordable, but it's actually done really well over one, three, five, and ten years,\n\nChannel 1: Yep.\n\nChannel 0: and it would just be a straight upgrade and sidestep for you.\n\nChannel 1: Yeah. Yeah. Okay. Yeah. Well, I suppose, yeah, let's give it a go.\n\nChannel 0: Yep. And what it is, like, we we always do a bit of a blend. Like, you do have a mix of low fee options and and the active options. That's\n\nChannel 1: Yeah.\n\nChannel 0: kind of our view philosophy is having, like, we call it a current satellite. You've got your steady ship in the middle and a few sled dogs that pull you along a little bit quicker. K?\n\nChannel 1: Yeah. Yeah. Alright. Yep.\n\nChannel 0: So all I'm saying is if there's no major issue where you're like, look, I wanna completely overhaul everything and go completely different style, then\n\nChannel 1: Yeah.\n\nChannel 0: I can just fix it up a little bit, and you should\n\nChannel 1: Yeah.\n\nChannel 0: be right.\n\nChannel 1: If you, yeah, if you can twerk it just to get a little bit more, like, that percentage, that 1% up a bit, that'd be awesome. Yeah.\n\nChannel 0: Perfect. And the only other\n\nChannel 1: Because\n\nChannel 0: one\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: think\n\nChannel 0: I've noted\n\nChannel 1: in my initial call, they were looking at getting, like, 11 to 15% or something. Like\n\nChannel 0: yeah.\n\nChannel 1: so\n\nChannel 0: And some of our portfolios have been doing that sort of 12 to 14, especially\n\nChannel 1: yeah.\n\nChannel 0: given what's been happening recently. So I wanna try and just get it up there.\n\nChannel 1: Yeah.\n\nChannel 0: When I mentioned that benchmark of eight to nine, it's just the average for your risk level.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: Yep.\n\nChannel 0: to say that we're not aiming for ten, twelve, fourteen, sixteen. It just means\n\nChannel 1: Yeah.\n\nChannel 0: that you need that eight to nine to be on track for retirement.\n\nChannel 1: Yeah. Okay. Let's do that. Yeah. No.\n\nDefinitely.\n\nChannel 0: Cool. And the other strange thing that I've noticed, this is kind of the first time I've seen this, is you have some\n\nChannel 1: Mhmm.\n\nChannel 0: American shares, which the American shares have done really well the last twelve months. They're up, like, 16%.\n\nChannel 1: Yep.\n\nChannel 0: But this option that you've got, they've put it in, like, US dollars. And I don't know if you've seen recently, it's very strange, but the US dollar has gone kind of down given\n\nChannel 1: Yeah.\n\nChannel 0: what Trump's been up to compared to the Australian dollar.\n\nChannel 1: Yeah.\n\nChannel 0: So it's\n\nChannel 1: Yeah.\n\nChannel 0: actually\n\nChannel 1: Okay.\n\nChannel 0: messed with your performance on that one option just because it's in a different currency.\n\nChannel 1: Yeah. Right. Yeah.\n\nChannel 0: So what I'm gonna do is I'm just gonna have a talk to the investment committee about whether we can kind of we call it hedging, and it switches the currency around. A little bit of a trick under the hood for you. But at the\n\nChannel 1: Yep.\n\nChannel 0: very least,\n\nChannel 1: Yep.\n\nChannel 0: we'll get that Benelon switched out with somebody better.\n\nChannel 1: Yeah. Okay. Yep. Yeah. No.\n\nDefinitely. Yep.\n\nChannel 0: Cool. Now while I do this, when we do these changes, we put it in a statement of advice again just to give you an update on, like, here in writing, this is your new portfolio we're recommending and why, and then you can\n\nChannel 1: Yep.\n\nChannel 0: kind of read off and sign if you're comfortable.\n\nChannel 1: Yep. Okay. Yep. Sweet. Yep.\n\nChannel 0: So, Kim, the last thing I wanna do just before I let you go is when I put this statement of advice together, I just wanna make sure you haven't had any major changes in the details.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. So I'm just gonna power through these real quick. Just let me know\n\nChannel 1: Yep.\n\nChannel 0: if anything's changed.\n\nChannel 1: Okay. Cool. Yep.\n\nChannel 0: Alright. So phone number's still the same. Your Outlook address, Kim dot Brooks, is still current.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Marital status, still single.\n\nChannel 1: Yep.\n\nChannel 0: The two boys.\n\nChannel 1: Yep.\n\nChannel 0: We've got occupation wise technical officer for the\n\nChannel 1: Yep.\n\nChannel 0: Townsville City Council.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Around about 80,500 per year in income, would you say?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Maybe a little bit more. But yeah. I'd say that's my base.\n\nChannel 0: That's your base. Okay. And then do you do, like, a bit of overtime that kind of pulls you above that a little bit?\n\nChannel 1: Yeah. Yep. Yep. I think I've been hitting around the 100 mark each year just with overtime and whatnot. So\n\nChannel 0: Cool. So base salary is there and maybe close to 100,000 for\n\nChannel 1: yeah.\n\nChannel 0: the overall.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. You're still in Laguna Avenue address wise?\n\nChannel 1: Yep.\n\nChannel 0: Cool. We've got the Toyota Hilux was your main asset valued at around 45,000. Do you have any other new assets or loans or anything? Credit cards, personal loans?\n\nChannel 1: No. No. Nothing. I paid all that out. So\n\nChannel 0: Perfect.\n\nChannel 1: no.\n\nChannel 0: Was there a note here that you were looking to save\n\nChannel 1: Look\n\nChannel 0: to purchase a property?\n\nChannel 1: at yeah. Yep.\n\nChannel 0: Yep. Cool. Have you got a bit of, like, a set savings per week that you're aiming for this year?\n\nChannel 1: Oh, I'm just trying to do savings. Like, I'm for I'm trying to save, like, like, $20 this year. Like so my I was thinking of doing it over two years to save $40, $20 a year\n\nChannel 0: Okay.\n\nChannel 1: and whatnot. But, yeah, I'm, like yeah. I'm I'm I'm getting there because I'm getting a bit of overtime at the moment. So I I've got some cash put aside, but I need to, I don't know, put it into something that so I can't actually touch it because I find when I can touch it, that's that's the problem.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: Yep.\n\nChannel 1: easy\n\nChannel 0: That's\n\nChannel 1: to access.\n\nChannel 0: what we always run into.\n\nChannel 1: Yeah.\n\nChannel 0: Even my my mate, he's been earning about a $100 for years doing, like, security work where he's working sixty hour weeks, and\n\nChannel 1: Yeah.\n\nChannel 0: he had nothing to show for for about six years. And I said, Jack, just set up a different bank account at this point because you just you you you keep touching it. And he he started sending money to his mom, and\n\nChannel 1: Yeah.\n\nChannel 0: he also\n\nChannel 1: Yeah.\n\nChannel 0: started sending\n\nChannel 1: Yeah.\n\nChannel 0: money to a separate, like, bank where he doesn't have\n\nChannel 1: Thank\n\nChannel 0: a card.\n\nChannel 1: you. Yeah.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: he's been able to build up about $15 now, so he's also saving for his first house.\n\nChannel 1: Yeah. No. Yeah.\n\nChannel 0: Anything you need to do, you know, just to make sure that you're you're rolling on and actually getting to where you wanna go.\n\nChannel 1: Yeah. Yeah. Because my because, like, I work so we work nine day or fortnight. And so on one one week's a\n\nChannel 0: Yeah.\n\nChannel 1: short week, so I'll like,\n\nChannel 0: Yeah.\n\nChannel 1: I I can't save much there. But on the other week, I get, like, I don't know, sometimes, like, $700 extra, like, so if I could put that away and just live off my base, then that's, like, that's my plan anyway. So but, yeah, I I do have I've got two accounts. So I'm gonna go and sort out with my local bank and just say, like, look. I wanna be able to put money in here, but not take it out unless I actually come into the bank.\n\nLike,\n\nChannel 0: Yeah.\n\nChannel 1: I don't want and I don't have a card for that account or whatever. Well, I do for an all access, but, like, there's I've got, like, different accounts off that actual bank. So, yeah, I might actually look at doing that because I think that's the only way it's gonna be safe. Because while it's there, you can just if you can access it, it's just too convenient.\n\nChannel 0: It's\n\nChannel 1: Like\n\nChannel 0: too tempting and easy. You click a couple\n\nChannel 1: yeah.\n\nChannel 0: of buttons and it's gone.\n\nChannel 1: Yeah. For sure. Whereas if you don't,\n\nChannel 0: Yep.\n\nChannel 1: you can still see it grow, which is nice, but then not be able to just easily transfer it out on NetBank or something. That's awesome.\n\nChannel 0: Yeah. Absolutely. So I'll put that down as some of the goals that we're trying to aim for 40,000 over the next two years, and we'll just kind of\n\nChannel 1: Yeah.\n\nChannel 0: when we do our reviews with you, we'll touch base and see how you're going.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Do you have a little bit scroll to land savings at the moment that I can note down in your assets?\n\nChannel 1: Oh, I've got, like, five brands. That's\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: To start, always nice to have a little bit of emergency fund too.\n\nChannel 1: Yeah.\n\nChannel 0: Last couple of details, we've got you've still never gone through, like, bankruptcy or debt agreements before.\n\nChannel 1: No.\n\nChannel 0: Alright. Cool. And we're looking at putting place, like, the will and the power of attorney potentially. And health wise still smoking at\n\nChannel 1: Yeah.\n\nChannel 0: the moment?\n\nChannel 1: I'm actually on a program to give up. So, hopefully,\n\nChannel 0: Oh, nice.\n\nChannel 1: by by the next phone call, that'll be done.\n\nChannel 0: Fantastic. So just to let you know, like, whenever you're 12 nicotine free, you get, like, a nonsmoker status when it comes to, like, insurances and things like that. So we'll just\n\nChannel 1: Yeah.\n\nChannel 0: keep\n\nChannel 1: Okay.\n\nChannel 0: that in mind so that when we can tag you as twelve months free, then we'll\n\nChannel 1: Yeah.\n\nChannel 0: know whether we need to update anything.\n\nChannel 1: Perfect. Yep.\n\nChannel 0: Cool. That's pretty much everything that I needed. Is there anything else that you would like to mix in with this advice that we're doing?\n\nChannel 1: No. I think that's pretty much I I don't not off the top of my head. No.\n\nChannel 0: Yep. Awesome. So I won't look at anything to do with, like, insurances and investments and things like that. I guess your priority at the moment is just get the super back on track, make sure your beneficiaries and will are sorted, and saving\n\nChannel 1: Yep.\n\nChannel 0: for that house.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Awesome. So what I'll do is I'll go away and put together a little bit of research about the super. I'll let\n\nChannel 1: Yep.\n\nChannel 0: Veronica know what we're doing as well just so she's aware.\n\nChannel 1: Perfect.\n\nChannel 0: And sometime over the fortnight, the team will give you a buzz just to get you booked in to go through that advice document.\n\nChannel 1: Awesome. Yep. No worries. Beautiful.\n\nChannel 0: Awesome,\n\nChannel 1: Thank you\n\nChannel 0: Kim.\n\nChannel 1: very much.\n\nChannel 0: Thank you for your time this morning. You have a fantastic day.\n\nChannel 1: You too. Cheers. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.019090283662080765},{"text":"Kim speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.03505576401948929}],"sentiment":"neutral","sentiment_score":0.029733937233686447,"channel":1,"num_words":3,"start":0.79999995,"end":2.02},{"sentences":[{"text":"Good morning, Kim.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.3311731119950612},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":3.36,"end":6.0,"sentiment":"neutral","sentiment_score":0.2067569475620985},{"text":"How are you doing today?","start":6.0,"end":6.98,"sentiment":"neutral","sentiment_score":0.23835407197475433}],"sentiment":"neutral","sentiment_score":0.23995907977223396,"channel":0,"num_words":16,"start":2.56,"end":6.98},{"sentences":[{"text":"Yeah.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.2267270535230637},{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.3931662440299988},{"text":"Thanks.","start":7.7599998,"end":8.0,"sentiment":"positive","sentiment_score":0.5075048804283142},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.33040111263593036}],"sentiment":"positive","sentiment_score":0.3531002526481946,"channel":1,"num_words":6,"start":7.12,"end":8.82},{"sentences":[{"text":"I'm doing fantastic.","start":8.96,"end":10.0199995,"sentiment":"positive","sentiment_score":0.7435859243075053},{"text":"Thank you for asking.","start":10.08,"end":11.12,"sentiment":"positive","sentiment_score":0.7147779166698456},{"text":"I just wanted to start by just letting you know that Veronica was scheduled to give you a call this morning, and","start":11.12,"end":17.215,"sentiment":"neutral","sentiment_score":0.07684626218608835}],"sentiment":"neutral","sentiment_score":0.2338099037136497,"channel":0,"num_words":29,"start":8.96,"end":17.215},{"sentences":[{"text":"Yeah.","start":17.125,"end":17.625,"sentiment":"neutral","sentiment_score":-0.05135026574134827}],"sentiment":"neutral","sentiment_score":-0.05135026574134827,"channel":1,"num_words":1,"start":17.125,"end":17.625},{"sentences":[{"text":"she's ill today.","start":17.215,"end":18.335001,"sentiment":"neutral","sentiment_score":-0.19011132915814719},{"text":"So I wanted to jump in and assist you.","start":18.335001,"end":20.675,"sentiment":"neutral","sentiment_score":0.03432768790258302}],"sentiment":"neutral","sentiment_score":-0.021782066362599533,"channel":0,"num_words":12,"start":17.215,"end":20.675},{"sentences":[{"text":"Yeah.","start":20.965,"end":21.285,"sentiment":"neutral","sentiment_score":0.13675913214683533},{"text":"Awesome.","start":21.285,"end":21.765,"sentiment":"neutral","sentiment_score":0.2561664283275604},{"text":"Okay.","start":21.765,"end":22.085,"sentiment":"neutral","sentiment_score":0.1123621016740799},{"text":"Yep.","start":22.085,"end":22.325,"sentiment":"neutral","sentiment_score":0.11089574545621872},{"text":"No worries.","start":22.325,"end":23.065,"sentiment":"neutral","sentiment_score":0.12891065329313278}],"sentiment":"neutral","sentiment_score":0.14566745236516,"channel":1,"num_words":6,"start":20.965,"end":23.065},{"sentences":[{"text":"Perfect.","start":23.295,"end":23.795,"sentiment":"positive","sentiment_score":0.34402918815612793},{"text":"Usual process.","start":23.855,"end":24.655,"sentiment":"neutral","sentiment_score":0.1911313533782959},{"text":"Just wanted to make sure you're okay for this call to be recorded.","start":24.655,"end":27.154999,"sentiment":"neutral","sentiment_score":0.12582724598737863}],"sentiment":"neutral","sentiment_score":0.14762788079679012,"channel":0,"num_words":16,"start":23.295,"end":27.154999},{"sentences":[{"text":"Yep.","start":27.845001,"end":28.345001,"sentiment":"neutral","sentiment_score":0.09843018651008606}],"sentiment":"neutral","sentiment_score":0.09843018651008606,"channel":1,"num_words":1,"start":27.845001,"end":28.345001},{"sentences":[{"text":"Perfect.","start":28.84,"end":29.32,"sentiment":"neutral","sentiment_score":0.21004676818847656},{"text":"And do you recall, for security purposes, your client password?","start":29.32,"end":32.7,"sentiment":"neutral","sentiment_score":0.03759938012808561}],"sentiment":"neutral","sentiment_score":0.05327641540630297,"channel":0,"num_words":11,"start":28.84,"end":32.7},{"sentences":[{"text":"Paris.","start":36.43,"end":36.93,"sentiment":"neutral","sentiment_score":0.04643245413899422}],"sentiment":"neutral","sentiment_score":0.04643245413899422,"channel":1,"num_words":1,"start":36.43,"end":36.93},{"sentences":[{"text":"That's the one.","start":37.559998,"end":38.36,"sentiment":"neutral","sentiment_score":0.10004535814126332},{"text":"Thank you so much for that, Kim.","start":38.36,"end":40.04,"sentiment":"positive","sentiment_score":0.6491678782871791},{"text":"Appreciate it.","start":40.04,"end":41.1,"sentiment":"positive","sentiment_score":0.6181011497974396},{"text":"I've just been going through the notes this morning before this call, and I wanted to basically have a chat to you about two things,","start":41.535,"end":47.715,"sentiment":"neutral","sentiment_score":0.10791640043258667}],"sentiment":"neutral","sentiment_score":0.2372546900768538,"channel":0,"num_words":37,"start":37.559998,"end":47.715},{"sentences":[{"text":"Yep.","start":48.085,"end":48.585,"sentiment":"neutral","sentiment_score":0.07935169339179993}],"sentiment":"neutral","sentiment_score":0.07935169339179993,"channel":1,"num_words":1,"start":48.085,"end":48.585},{"sentences":[{"text":"your beneficiaries and","start":48.495,"end":50.595,"sentiment":"neutral","sentiment_score":0.07624164720376332}],"sentiment":"neutral","sentiment_score":0.07624164720376332,"channel":0,"num_words":3,"start":48.495,"end":50.595},{"sentences":[{"text":"Yep.","start":50.325,"end":50.825,"sentiment":"neutral","sentiment_score":0.06871802359819412}],"sentiment":"neutral","sentiment_score":0.06871802359819412,"channel":1,"num_words":1,"start":50.325,"end":50.825},{"sentences":[{"text":"the portfolio for your Hub 20 four super.","start":50.655,"end":53.375,"sentiment":"neutral","sentiment_score":0.08277775580063462},{"text":"Is that kind of the two main things that you wanted to talk about?","start":53.375,"end":55.98,"sentiment":"neutral","sentiment_score":0.056192701416356225}],"sentiment":"neutral","sentiment_score":0.06585999391973019,"channel":0,"num_words":22,"start":50.655,"end":55.98},{"sentences":[{"text":"Yeah.","start":56.565002,"end":56.805,"sentiment":"neutral","sentiment_score":0.04585372284054756},{"text":"I believe so.","start":56.805,"end":57.605,"sentiment":"neutral","sentiment_score":0.05363746235768},{"text":"Yep.","start":57.605,"end":58.105,"sentiment":"neutral","sentiment_score":0.11034280061721802}],"sentiment":"neutral","sentiment_score":0.06342178210616112,"channel":1,"num_words":5,"start":56.565002,"end":58.105},{"sentences":[{"text":"Perfect.","start":58.62,"end":59.02,"sentiment":"neutral","sentiment_score":0.303099125623703},{"text":"Perfect.","start":59.02,"end":59.26,"sentiment":"neutral","sentiment_score":0.2887459993362427},{"text":"So I'll start with the nice and easy one with the beneficiaries, if that's okay.","start":59.26,"end":62.879997,"sentiment":"neutral","sentiment_score":0.20353946487108868},{"text":"Seems like you're trying to do a little bit of a split between the family to make sure the kids are looked after, that kind of thing.","start":64.06,"end":70.14,"sentiment":"neutral","sentiment_score":0.10224904713255388},{"text":"Is that right?","start":70.14,"end":70.935,"sentiment":"neutral","sentiment_score":0.0837019681930542}],"sentiment":"neutral","sentiment_score":0.141633346280519,"channel":0,"num_words":47,"start":58.62,"end":70.935},{"sentences":[{"text":"Yep.","start":70.78,"end":71.1,"sentiment":"neutral","sentiment_score":0.05094529315829277},{"text":"Yeah.","start":71.1,"end":71.5,"sentiment":"neutral","sentiment_score":0.07551182061433792},{"text":"Yeah.","start":71.5,"end":72.0,"sentiment":"neutral","sentiment_score":0.155597522854805}],"sentiment":"neutral","sentiment_score":0.09401821220914523,"channel":1,"num_words":3,"start":70.78,"end":72.0},{"sentences":[{"text":"Awesome.","start":73.015,"end":73.515,"sentiment":"neutral","sentiment_score":0.2703648805618286},{"text":"So one of the things I wanted to check with you, there's a couple of ideas on how you can do this because I'm just having a look at the notes now.","start":73.575,"end":79.015,"sentiment":"neutral","sentiment_score":0.11435738089494407},{"text":"Let me just make sure I've got this one right.","start":79.015,"end":81.595,"sentiment":"neutral","sentiment_score":0.052859341353178026}],"sentiment":"neutral","sentiment_score":0.1036835926216702,"channel":0,"num_words":43,"start":73.015,"end":81.595},{"sentences":[{"text":"Yep.","start":81.885,"end":82.385,"sentiment":"neutral","sentiment_score":0.048553891479969025}],"sentiment":"neutral","sentiment_score":0.048553891479969025,"channel":1,"num_words":1,"start":81.885,"end":82.385},{"sentences":[{"text":"We've got Logan and Tyson, and you","start":81.895,"end":84.43,"sentiment":"neutral","sentiment_score":0.05523779935070446}],"sentiment":"neutral","sentiment_score":0.05523779935070446,"channel":0,"num_words":7,"start":81.895,"end":84.43},{"sentences":[{"text":"Yep.","start":84.365005,"end":84.865005,"sentiment":"neutral","sentiment_score":0.06531636416912079}],"sentiment":"neutral","sentiment_score":0.06531636416912079,"channel":1,"num_words":1,"start":84.365005,"end":84.865005},{"sentences":[{"text":"wanna kind of get them a little bit of a split of, like, the super funds, life insurance, and so on.","start":84.43,"end":90.13,"sentiment":"neutral","sentiment_score":0.07227582289349466}],"sentiment":"neutral","sentiment_score":0.07227582289349466,"channel":0,"num_words":21,"start":84.43,"end":90.13},{"sentences":[{"text":"Yeah.","start":90.39,"end":90.79,"sentiment":"neutral","sentiment_score":0.040686242282390594},{"text":"Yep.","start":90.79,"end":91.19,"sentiment":"neutral","sentiment_score":0.031989358365535736},{"text":"Yep.","start":91.19,"end":91.69,"sentiment":"neutral","sentiment_score":0.02511874213814735},{"text":"Yeah.","start":92.07,"end":92.39,"sentiment":"neutral","sentiment_score":0.02045845054090023}],"sentiment":"neutral","sentiment_score":0.02956319833174348,"channel":1,"num_words":4,"start":90.39,"end":92.39},{"sentences":[{"text":"Yeah.","start":92.11,"end":92.61,"sentiment":"neutral","sentiment_score":0.013179250992834568}],"sentiment":"neutral","sentiment_score":0.013179250992834568,"channel":0,"num_words":1,"start":92.11,"end":92.61},{"sentences":[{"text":"So because Logan's 19, but Carson's only four.","start":92.39,"end":99.075005,"sentiment":"neutral","sentiment_score":-0.008604446930803533},{"text":"So","start":99.075005,"end":99.575005,"sentiment":"neutral","sentiment_score":0.005692780017852783}],"sentiment":"neutral","sentiment_score":-0.007015866158730609,"channel":1,"num_words":9,"start":92.39,"end":99.575005},{"sentences":[{"text":"Yes.","start":100.685,"end":101.185,"sentiment":"neutral","sentiment_score":0.019545026123523712}],"sentiment":"neutral","sentiment_score":0.019545026123523712,"channel":0,"num_words":1,"start":100.685,"end":101.185},{"sentences":[{"text":"I was thinking of, like, I was thinking, like, of splitting like, maybe going putting my brother down for half and then the boys, like, can get 25 each until, like I don't know.","start":101.475,"end":120.990005,"sentiment":"neutral","sentiment_score":-0.01890148058095399},{"text":"Until they're of, like, the age of 25 or something.","start":120.990005,"end":124.37,"sentiment":"neutral","sentiment_score":-0.11322562843561172}],"sentiment":"neutral","sentiment_score":-0.04033878691155802,"channel":1,"num_words":44,"start":101.475,"end":124.37},{"sentences":[{"text":"Yeah.","start":125.274994,"end":125.59499,"sentiment":"neutral","sentiment_score":0.11895474791526794},{"text":"Yeah.","start":125.59499,"end":125.994995,"sentiment":"neutral","sentiment_score":0.16556674242019653},{"text":"Okay.","start":125.994995,"end":126.494995,"sentiment":"neutral","sentiment_score":0.305725634098053},{"text":"There is definitely a way to do that.","start":126.954994,"end":129.135,"sentiment":"positive","sentiment_score":0.46537846326828003},{"text":"So when it comes to, like, minor children, for example, would your brother be the person who would eventually be their guardian, would you say?","start":129.19499,"end":137.93,"sentiment":"neutral","sentiment_score":0.12967295855283736}],"sentiment":"neutral","sentiment_score":0.20986385540001923,"channel":0,"num_words":36,"start":125.274994,"end":137.93},{"sentences":[{"text":"Yeah.","start":137.555,"end":138.055,"sentiment":"neutral","sentiment_score":0.24953648447990415},{"text":"Yeah.","start":138.275,"end":138.775,"sentiment":"positive","sentiment_score":0.45039570331573486}],"sentiment":"positive","sentiment_score":0.3499660938978195,"channel":1,"num_words":2,"start":137.555,"end":138.775},{"sentences":[{"text":"Perfect.","start":139.59,"end":140.06999,"sentiment":"positive","sentiment_score":0.6764299273490906}],"sentiment":"positive","sentiment_score":0.6764299273490906,"channel":0,"num_words":1,"start":139.59,"end":140.06999},{"sentences":[{"text":"Yep.","start":139.72,"end":140.22,"sentiment":"positive","sentiment_score":0.3799487054347992}],"sentiment":"positive","sentiment_score":0.3799487054347992,"channel":1,"num_words":1,"start":139.72,"end":140.22},{"sentences":[{"text":"So let's say, just for example, you were to split fifty fifty between the two children.","start":140.06999,"end":145.67,"sentiment":"neutral","sentiment_score":0.1341252368874848},{"text":"Right?","start":145.67,"end":146.17,"sentiment":"neutral","sentiment_score":0.15123285353183746}],"sentiment":"neutral","sentiment_score":0.13513156727832906,"channel":0,"num_words":17,"start":140.06999,"end":146.17},{"sentences":[{"text":"Yep.","start":146.44,"end":146.94,"sentiment":"neutral","sentiment_score":0.12310036271810532}],"sentiment":"neutral","sentiment_score":0.12310036271810532,"channel":1,"num_words":1,"start":146.44,"end":146.94},{"sentences":[{"text":"The 50% for your youngest would essentially be controlled by whoever their guardian is on","start":147.03,"end":153.515,"sentiment":"neutral","sentiment_score":0.04944441343347231}],"sentiment":"neutral","sentiment_score":0.04944441343347231,"channel":0,"num_words":15,"start":147.03,"end":153.515},{"sentences":[{"text":"Yep.","start":153.48,"end":153.98,"sentiment":"neutral","sentiment_score":0.046903111040592194}],"sentiment":"neutral","sentiment_score":0.046903111040592194,"channel":1,"num_words":1,"start":153.48,"end":153.98},{"sentences":[{"text":"their behalf.","start":153.515,"end":154.255,"sentiment":"neutral","sentiment_score":0.03243223764002323}],"sentiment":"neutral","sentiment_score":0.03243223764002323,"channel":0,"num_words":2,"start":153.515,"end":154.255},{"sentences":[{"text":"Oh, okay.","start":154.86499,"end":155.58499,"sentiment":"neutral","sentiment_score":0.045948248356580734}],"sentiment":"neutral","sentiment_score":0.045948248356580734,"channel":1,"num_words":2,"start":154.86499,"end":155.58499},{"sentences":[{"text":"K?","start":155.195,"end":155.695,"sentiment":"neutral","sentiment_score":0.03358595818281174}],"sentiment":"neutral","sentiment_score":0.03358595818281174,"channel":0,"num_words":1,"start":155.195,"end":155.695},{"sentences":[{"text":"Yep.","start":155.58499,"end":156.08499,"sentiment":"neutral","sentiment_score":0.06256884336471558},{"text":"Yep.","start":156.14499,"end":156.64499,"sentiment":"neutral","sentiment_score":0.06608491390943527}],"sentiment":"neutral","sentiment_score":0.06432687863707542,"channel":1,"num_words":2,"start":155.58499,"end":156.64499},{"sentences":[{"text":"Now when it comes to beneficiary nominations, they've got these CISACT restrictions on who can be a valid beneficiary.","start":156.395,"end":163.85501,"sentiment":"neutral","sentiment_score":-0.022716729264510304},{"text":"So most of the time, it's basically a partner or a child","start":164.46,"end":169.68001,"sentiment":"neutral","sentiment_score":0.013574790364752213}],"sentiment":"neutral","sentiment_score":-0.008668399085440943,"channel":0,"num_words":31,"start":156.395,"end":169.68001},{"sentences":[{"text":"Mhmm.","start":169.5,"end":170.0,"sentiment":"neutral","sentiment_score":-0.011307626962661743}],"sentiment":"neutral","sentiment_score":-0.011307626962661743,"channel":1,"num_words":1,"start":169.5,"end":170.0},{"sentences":[{"text":"or someone that you've got, like, a financial dependency relationship with.","start":170.3,"end":173.82,"sentiment":"neutral","sentiment_score":-0.01852712407708168},{"text":"Like, you know, you're looking after your parents and they live with you, that kind of thing.","start":173.82,"end":177.885,"sentiment":"neutral","sentiment_score":-0.001369459883255117}],"sentiment":"neutral","sentiment_score":-0.008109970816544123,"channel":0,"num_words":28,"start":170.3,"end":177.885},{"sentences":[{"text":"Yeah.","start":178.14,"end":178.62,"sentiment":"neutral","sentiment_score":0.05181821435689926},{"text":"Yeah.","start":178.62,"end":179.02,"sentiment":"neutral","sentiment_score":0.04134128987789154}],"sentiment":"neutral","sentiment_score":0.0465797521173954,"channel":1,"num_words":2,"start":178.14,"end":179.02},{"sentences":[{"text":"K.","start":178.845,"end":179.345,"sentiment":"neutral","sentiment_score":0.043879184871912}],"sentiment":"neutral","sentiment_score":0.043879184871912,"channel":0,"num_words":1,"start":178.845,"end":179.345},{"sentences":[{"text":"Okay.","start":179.02,"end":179.52,"sentiment":"neutral","sentiment_score":0.06786742806434631}],"sentiment":"neutral","sentiment_score":0.06786742806434631,"channel":1,"num_words":1,"start":179.02,"end":179.52},{"sentences":[{"text":"But there is a way to do it.","start":179.485,"end":181.42499,"sentiment":"neutral","sentiment_score":0.06991387391462922},{"text":"Do you currently have I'm just looking through your fact finding your your financial details.","start":182.44499,"end":186.625,"sentiment":"neutral","sentiment_score":0.005568057174483935},{"text":"Do you currently have, like, a will in place by any chance?","start":186.685,"end":189.345,"sentiment":"neutral","sentiment_score":-0.012450457395364841}],"sentiment":"neutral","sentiment_score":0.014097896005426134,"channel":0,"num_words":35,"start":179.485,"end":189.345},{"sentences":[{"text":"Yep.","start":189.265,"end":189.425,"sentiment":"neutral","sentiment_score":0.013350158929824827},{"text":"No.","start":189.425,"end":189.905,"sentiment":"neutral","sentiment_score":-0.05191652104258537},{"text":"We were gonna discuss that as well, I believe.","start":189.905,"end":192.325,"sentiment":"neutral","sentiment_score":-0.04163537174463272}],"sentiment":"neutral","sentiment_score":-0.03757133707404137,"channel":1,"num_words":11,"start":189.265,"end":192.325},{"sentences":[{"text":"Yep.","start":192.78,"end":193.18,"sentiment":"neutral","sentiment_score":0.09442687034606934},{"text":"So one of the things that you can do, and this is really cool, is when you go to set up a will, you can put in place something called a testamentary trust will.","start":193.18,"end":201.59999,"sentiment":"neutral","sentiment_score":0.22633536861223333},{"text":"And what","start":201.73999,"end":202.14,"sentiment":"neutral","sentiment_score":0.15015392750501633}],"sentiment":"neutral","sentiment_score":0.21865235832897392,"channel":0,"num_words":37,"start":192.78,"end":202.14},{"sentences":[{"text":"Yep.","start":202.08,"end":202.58,"sentiment":"neutral","sentiment_score":0.1488441526889801}],"sentiment":"neutral","sentiment_score":0.1488441526889801,"channel":1,"num_words":1,"start":202.08,"end":202.58},{"sentences":[{"text":"it basically does is, like, let's say, when you pass away, that will will create","start":202.14,"end":207.005,"sentiment":"neutral","sentiment_score":0.10206116189559301}],"sentiment":"neutral","sentiment_score":0.10206116189559301,"channel":0,"num_words":15,"start":202.14,"end":207.005},{"sentences":[{"text":"Yeah.","start":206.955,"end":207.455,"sentiment":"neutral","sentiment_score":0.16022959351539612}],"sentiment":"neutral","sentiment_score":0.16022959351539612,"channel":1,"num_words":1,"start":206.955,"end":207.455},{"sentences":[{"text":"a trust fund.","start":207.005,"end":207.985,"sentiment":"neutral","sentiment_score":0.18794808288415274},{"text":"And what you can do is you can put, like, a superannuation in there, your cash, your life insurance, and so on, and you can then distribute out, okay.","start":208.205,"end":217.165,"sentiment":"neutral","sentiment_score":0.17171521587618466},{"text":"I want this to be given out as an income to the kids until they're 18 or 25, and then they","start":217.165,"end":223.03,"sentiment":"neutral","sentiment_score":0.20084611965077265}],"sentiment":"neutral","sentiment_score":0.18417649097600072,"channel":0,"num_words":53,"start":207.005,"end":223.03},{"sentences":[{"text":"Yeah.","start":222.89,"end":223.39,"sentiment":"neutral","sentiment_score":0.1677752435207367}],"sentiment":"neutral","sentiment_score":0.1677752435207367,"channel":1,"num_words":1,"start":222.89,"end":223.39},{"sentences":[{"text":"get full ownership over the funds.","start":223.03,"end":225.21,"sentiment":"neutral","sentiment_score":0.24618994692961374}],"sentiment":"neutral","sentiment_score":0.24618994692961374,"channel":0,"num_words":6,"start":223.03,"end":225.21},{"sentences":[{"text":"Oh, okay.","start":225.69,"end":226.33,"sentiment":"neutral","sentiment_score":0.14618881046772003},{"text":"Yep.","start":226.33,"end":226.65001,"sentiment":"neutral","sentiment_score":0.1178695484995842},{"text":"Yep.","start":226.65001,"end":227.13,"sentiment":"neutral","sentiment_score":0.11503028869628906}],"sentiment":"neutral","sentiment_score":0.13131936453282833,"channel":1,"num_words":4,"start":225.69,"end":227.13},{"sentences":[{"text":"So","start":227.03,"end":227.35,"sentiment":"neutral","sentiment_score":0.11290287971496582}],"sentiment":"neutral","sentiment_score":0.11290287971496582,"channel":0,"num_words":1,"start":227.03,"end":227.35},{"sentences":[{"text":"Yeah.","start":227.13,"end":227.53,"sentiment":"neutral","sentiment_score":0.117781862616539}],"sentiment":"neutral","sentiment_score":0.117781862616539,"channel":1,"num_words":1,"start":227.13,"end":227.53},{"sentences":[{"text":"that's","start":227.35,"end":227.75,"sentiment":"neutral","sentiment_score":0.13327263295650482}],"sentiment":"neutral","sentiment_score":0.13327263295650482,"channel":0,"num_words":1,"start":227.35,"end":227.75},{"sentences":[{"text":"Okay.","start":227.53,"end":228.03,"sentiment":"neutral","sentiment_score":0.095728799700737}],"sentiment":"neutral","sentiment_score":0.095728799700737,"channel":1,"num_words":1,"start":227.53,"end":228.03},{"sentences":[{"text":"kind of like a structure that you've gotta put in place where you just put in place this one will.","start":227.75,"end":231.77,"sentiment":"neutral","sentiment_score":0.12902308544144034},{"text":"You can nominate the beneficiaries for your super to go to your estate, which then gets controlled by the will.","start":232.10501,"end":238.02501,"sentiment":"neutral","sentiment_score":0.29598360806703566},{"text":"It's","start":238.02501,"end":238.26501,"sentiment":"positive","sentiment_score":0.3387502133846283}],"sentiment":"neutral","sentiment_score":0.21558253862327192,"channel":0,"num_words":41,"start":227.75,"end":238.26501},{"sentences":[{"text":"Yep.","start":238.245,"end":238.745,"sentiment":"neutral","sentiment_score":0.3066718280315399}],"sentiment":"neutral","sentiment_score":0.3066718280315399,"channel":1,"num_words":1,"start":238.245,"end":238.745},{"sentences":[{"text":"called an LPR nomination.","start":238.26501,"end":240.365,"sentiment":"neutral","sentiment_score":0.26530006900429726},{"text":"It just sends","start":240.66501,"end":241.30501,"sentiment":"neutral","sentiment_score":0.20656238993008932}],"sentiment":"neutral","sentiment_score":0.24012677797249385,"channel":0,"num_words":7,"start":238.26501,"end":241.30501},{"sentences":[{"text":"Oh,","start":241.285,"end":241.685,"sentiment":"positive","sentiment_score":0.35142800211906433}],"sentiment":"positive","sentiment_score":0.35142800211906433,"channel":1,"num_words":1,"start":241.285,"end":241.685},{"sentences":[{"text":"it to","start":241.30501,"end":241.705,"sentiment":"neutral","sentiment_score":0.29343970119953156}],"sentiment":"neutral","sentiment_score":0.29343970119953156,"channel":0,"num_words":2,"start":241.30501,"end":241.705},{"sentences":[{"text":"okay.","start":241.685,"end":242.185,"sentiment":"neutral","sentiment_score":0.3271228075027466}],"sentiment":"neutral","sentiment_score":0.3271228075027466,"channel":1,"num_words":1,"start":241.685,"end":242.185},{"sentences":[{"text":"your estate.","start":241.705,"end":242.445,"sentiment":"neutral","sentiment_score":0.2534594088792801}],"sentiment":"neutral","sentiment_score":0.2534594088792801,"channel":0,"num_words":2,"start":241.705,"end":242.445},{"sentences":[{"text":"Yep.","start":243.125,"end":243.445,"sentiment":"neutral","sentiment_score":0.2355303168296814},{"text":"Yep.","start":243.445,"end":243.945,"sentiment":"neutral","sentiment_score":0.2314334362745285},{"text":"Alright.","start":244.005,"end":244.505,"sentiment":"neutral","sentiment_score":0.20155084133148193}],"sentiment":"neutral","sentiment_score":0.22283819814523062,"channel":1,"num_words":3,"start":243.125,"end":244.505},{"sentences":[{"text":"K?","start":244.12001,"end":244.44,"sentiment":"neutral","sentiment_score":0.11525361239910126},{"text":"So I just wanted to broach that with you because there's kind of two options here.","start":244.44,"end":247.08,"sentiment":"neutral","sentiment_score":0.2812672518193722},{"text":"You can kind of just directly nominate the children, and then that's how the funds would be kind of allocated and whoever looks after your youngest would control the funds,","start":247.08,"end":255.42001,"sentiment":"neutral","sentiment_score":0.2652370974421501}],"sentiment":"neutral","sentiment_score":0.26750303329305447,"channel":0,"num_words":47,"start":244.12001,"end":255.42001},{"sentences":[{"text":"Yeah.","start":255.56,"end":255.64,"sentiment":"neutral","sentiment_score":0.2025999575853348},{"text":"Yeah.","start":255.64,"end":256.14,"sentiment":"neutral","sentiment_score":0.13053366541862488}],"sentiment":"neutral","sentiment_score":0.16656681150197983,"channel":1,"num_words":2,"start":255.56,"end":256.14},{"sentences":[{"text":"or","start":255.96,"end":256.46002,"sentiment":"neutral","sentiment_score":0.11417639255523682}],"sentiment":"neutral","sentiment_score":0.11417639255523682,"channel":0,"num_words":1,"start":255.96,"end":256.46002},{"sentences":[{"text":"Yeah.","start":256.28,"end":256.78,"sentiment":"neutral","sentiment_score":0.17321845889091492}],"sentiment":"neutral","sentiment_score":0.17321845889091492,"channel":1,"num_words":1,"start":256.28,"end":256.78},{"sentences":[{"text":"you could aim it towards a will and set up, like, a a triggering trust fund.","start":256.625,"end":260.725,"sentiment":"neutral","sentiment_score":0.2300541065633297}],"sentiment":"neutral","sentiment_score":0.2300541065633297,"channel":0,"num_words":16,"start":256.625,"end":260.725},{"sentences":[{"text":"Okay.","start":262.275,"end":262.675,"sentiment":"neutral","sentiment_score":0.04837847501039505},{"text":"Yep.","start":262.675,"end":263.175,"sentiment":"neutral","sentiment_score":0.02427230402827263},{"text":"I don't know.","start":264.515,"end":265.415,"sentiment":"neutral","sentiment_score":-0.14694290608167648},{"text":"Yeah.","start":267.075,"end":267.475,"sentiment":"neutral","sentiment_score":-0.1766684353351593},{"text":"What would you recommend would be best?","start":267.475,"end":269.495,"sentiment":"neutral","sentiment_score":-0.11252072134188243}],"sentiment":"neutral","sentiment_score":-0.10249934030266908,"channel":1,"num_words":13,"start":262.275,"end":269.495},{"sentences":[{"text":"Like because I'm I'm I'm kind of in a situation at the moment.","start":269.635,"end":274.45502,"sentiment":"neutral","sentiment_score":-0.31658294338446397},{"text":"Carson doesn't have too much to do with his father.","start":274.675,"end":277.63998,"sentiment":"negative","sentiment_score":-0.4184062272310257},{"text":"But,","start":278.41998,"end":278.74,"sentiment":"neutral","sentiment_score":-0.11191077530384064}],"sentiment":"negative","sentiment_score":-0.35048130465050537,"channel":1,"num_words":24,"start":269.635,"end":278.74},{"sentences":[{"text":"Yes.","start":278.5,"end":279.0,"sentiment":"neutral","sentiment_score":-0.10467308014631271}],"sentiment":"neutral","sentiment_score":-0.10467308014631271,"channel":0,"num_words":1,"start":278.5,"end":279.0},{"sentences":[{"text":"obviously, if I did die, like, I've asked my brother and his and my sister-in-law, and they'd like because, obviously, I'd want him to go to them, like, because, like, he doesn't really have much to do with his father at all.","start":278.74,"end":294.255,"sentiment":"neutral","sentiment_score":-0.27946408483244123}],"sentiment":"neutral","sentiment_score":-0.27946408483244123,"channel":1,"num_words":42,"start":278.74,"end":294.255},{"sentences":[{"text":"Yeah.","start":294.53,"end":294.84998,"sentiment":"neutral","sentiment_score":-0.042699821293354034},{"text":"Yep.","start":294.84998,"end":295.34998,"sentiment":"neutral","sentiment_score":-0.032847777009010315}],"sentiment":"neutral","sentiment_score":-0.037773799151182175,"channel":0,"num_words":2,"start":294.53,"end":295.34998},{"sentences":[{"text":"Mhmm.","start":294.955,"end":295.195,"sentiment":"neutral","sentiment_score":-0.05247097462415695},{"text":"But he is trying to be a part of his life, and the last thing I want is him to get my money, obviously.","start":295.195,"end":300.655,"sentiment":"neutral","sentiment_score":-0.254219314083457},{"text":"So","start":301.355,"end":301.855,"sentiment":"neutral","sentiment_score":-0.0909496247768402}],"sentiment":"neutral","sentiment_score":-0.24018015913092172,"channel":1,"num_words":26,"start":294.955,"end":301.855},{"sentences":[{"text":"Exactly.","start":301.81,"end":302.31,"sentiment":"neutral","sentiment_score":-0.07364892214536667}],"sentiment":"neutral","sentiment_score":-0.07364892214536667,"channel":0,"num_words":1,"start":301.81,"end":302.31},{"sentences":[{"text":"I yeah.","start":301.995,"end":303.51498,"sentiment":"neutral","sentiment_score":-0.10388223454356194},{"text":"So I'm kind of I don't I don't what would you suggest?","start":303.51498,"end":306.735,"sentiment":"neutral","sentiment_score":-0.2694641562799613},{"text":"Like because, obviously, he like, he's not on the birth certificate because it's been a bit of a rough trough.","start":306.875,"end":314.07,"sentiment":"neutral","sentiment_score":-0.2569208212196827},{"text":"But, like, being the father, like, I don't know what power when I'm dead.","start":314.29,"end":320.23,"sentiment":"negative","sentiment_score":-0.40482597053050995},{"text":"I'd have, like like, I think he might get, like, rights to Carson, like, over my brother, which will be devastating, but I still don't want him to get my money.","start":320.37,"end":333.06497,"sentiment":"negative","sentiment_score":-0.4408703206046935}],"sentiment":"negative","sentiment_score":-0.35334549740522725,"channel":1,"num_words":79,"start":301.995,"end":333.06497},{"sentences":[{"text":"So, yeah, I don't","start":333.06497,"end":334.34497,"sentiment":"neutral","sentiment_score":-0.31225303187966347}],"sentiment":"neutral","sentiment_score":-0.31225303187966347,"channel":1,"num_words":4,"start":333.06497,"end":334.34497},{"sentences":[{"text":"Yeah.","start":334.175,"end":334.575,"sentiment":"neutral","sentiment_score":-0.1811372935771942}],"sentiment":"neutral","sentiment_score":-0.1811372935771942,"channel":0,"num_words":1,"start":334.175,"end":334.575},{"sentences":[{"text":"know","start":334.34497,"end":334.66498,"sentiment":"neutral","sentiment_score":-0.26645225286483765}],"sentiment":"neutral","sentiment_score":-0.26645225286483765,"channel":1,"num_words":1,"start":334.34497,"end":334.66498},{"sentences":[{"text":"So","start":334.575,"end":335.055,"sentiment":"neutral","sentiment_score":-0.2406248450279236}],"sentiment":"neutral","sentiment_score":-0.2406248450279236,"channel":0,"num_words":1,"start":334.575,"end":335.055},{"sentences":[{"text":"what's my","start":334.66498,"end":335.4,"sentiment":"neutral","sentiment_score":-0.31182724237442017}],"sentiment":"neutral","sentiment_score":-0.31182724237442017,"channel":1,"num_words":2,"start":334.66498,"end":335.4},{"sentences":[{"text":"that's exactly what I'm worried about because that happens a lot where","start":335.055,"end":338.835,"sentiment":"negative","sentiment_score":-0.3984448065360387}],"sentiment":"negative","sentiment_score":-0.3984448065360387,"channel":0,"num_words":12,"start":335.055,"end":338.835},{"sentences":[{"text":"yeah.","start":338.6,"end":339.1,"sentiment":"neutral","sentiment_score":-0.16278110444545746}],"sentiment":"neutral","sentiment_score":-0.16278110444545746,"channel":1,"num_words":1,"start":338.6,"end":339.1},{"sentences":[{"text":"money is left to children that are under the age of 18, and then everybody comes out of the woodworks, and whoever ends up getting, like, custody gets control over your funds.","start":338.895,"end":348.4,"sentiment":"neutral","sentiment_score":-0.09120885061565787},{"text":"And","start":348.53998,"end":348.78,"sentiment":"neutral","sentiment_score":0.05035347491502762}],"sentiment":"neutral","sentiment_score":-0.08691908317533406,"channel":0,"num_words":33,"start":338.895,"end":348.78},{"sentences":[{"text":"Yeah.","start":348.75998,"end":349.25998,"sentiment":"neutral","sentiment_score":0.08438007533550262}],"sentiment":"neutral","sentiment_score":0.08438007533550262,"channel":1,"num_words":1,"start":348.75998,"end":349.25998},{"sentences":[{"text":"that's exactly why we do things like a testamentary trust.","start":348.78,"end":352.8,"sentiment":"neutral","sentiment_score":0.1897828608751297}],"sentiment":"neutral","sentiment_score":0.1897828608751297,"channel":0,"num_words":10,"start":348.78,"end":352.8},{"sentences":[{"text":"Okay.","start":353.61502,"end":354.095,"sentiment":"neutral","sentiment_score":0.04368220269680023},{"text":"Yeah.","start":354.095,"end":354.595,"sentiment":"neutral","sentiment_score":0.03071114607155323},{"text":"Yeah.","start":354.655,"end":355.155,"sentiment":"neutral","sentiment_score":0.017297280952334404}],"sentiment":"neutral","sentiment_score":0.03056354324022929,"channel":1,"num_words":3,"start":353.61502,"end":355.155},{"sentences":[{"text":"So you've gotta","start":354.75497,"end":355.47498,"sentiment":"neutral","sentiment_score":0.001308527464667956}],"sentiment":"neutral","sentiment_score":0.001308527464667956,"channel":0,"num_words":3,"start":354.75497,"end":355.47498},{"sentences":[{"text":"Yeah.","start":355.215,"end":355.715,"sentiment":"neutral","sentiment_score":-0.004264061339199543}],"sentiment":"neutral","sentiment_score":-0.004264061339199543,"channel":1,"num_words":1,"start":355.215,"end":355.715},{"sentences":[{"text":"essentially do it in two steps.","start":355.47498,"end":356.995,"sentiment":"neutral","sentiment_score":-0.014318452837566534},{"text":"Right?","start":356.995,"end":357.235,"sentiment":"neutral","sentiment_score":0.0030685868114233017},{"text":"Like, we can't submit a beneficiary to the Superfund with your brother nominated.","start":357.235,"end":361.655,"sentiment":"neutral","sentiment_score":-0.11938978760288312},{"text":"That would be in invalid.","start":361.955,"end":363.495,"sentiment":"negative","sentiment_score":-0.3652902662754059}],"sentiment":"neutral","sentiment_score":-0.13845442801713945,"channel":0,"num_words":25,"start":355.47498,"end":363.495},{"sentences":[{"text":"Yeah.","start":363.935,"end":364.17502,"sentiment":"neutral","sentiment_score":0.026025429368019104}],"sentiment":"neutral","sentiment_score":0.026025429368019104,"channel":1,"num_words":1,"start":363.935,"end":364.17502},{"sentences":[{"text":"So","start":364.115,"end":364.615,"sentiment":"neutral","sentiment_score":0.022794663906097412}],"sentiment":"neutral","sentiment_score":0.022794663906097412,"channel":0,"num_words":1,"start":364.115,"end":364.615},{"sentences":[{"text":"Okay.","start":364.17502,"end":364.67502,"sentiment":"neutral","sentiment_score":0.03221729025244713}],"sentiment":"neutral","sentiment_score":0.03221729025244713,"channel":1,"num_words":1,"start":364.17502,"end":364.67502},{"sentences":[{"text":"the first step would be to, like, split it between the kids so it's at least it's in place.","start":364.675,"end":369.01498,"sentiment":"neutral","sentiment_score":0.0642753710087977}],"sentiment":"neutral","sentiment_score":0.0642753710087977,"channel":0,"num_words":19,"start":364.675,"end":369.01498},{"sentences":[{"text":"Yep.","start":369.52002,"end":370.02002,"sentiment":"neutral","sentiment_score":0.0970645546913147}],"sentiment":"neutral","sentiment_score":0.0970645546913147,"channel":1,"num_words":1,"start":369.52002,"end":370.02002},{"sentences":[{"text":"Because let's say we did that nomination to your estate.","start":370.41,"end":373.28998,"sentiment":"neutral","sentiment_score":0.08022215738892555},{"text":"If you don't actually set up that will, then all of your super and life insurance and all this goes to your name, and it just","start":373.28998,"end":379.93,"sentiment":"neutral","sentiment_score":-0.018696933483275082}],"sentiment":"neutral","sentiment_score":0.008780591759002872,"channel":0,"num_words":36,"start":370.41,"end":379.93},{"sentences":[{"text":"Yes.","start":379.92,"end":380.42,"sentiment":"neutral","sentiment_score":-0.102939635515213}],"sentiment":"neutral","sentiment_score":-0.102939635515213,"channel":1,"num_words":1,"start":379.92,"end":380.42},{"sentences":[{"text":"kinda sits there, and then everyone goes to court to try and, you know, fight over who","start":379.93,"end":384.19,"sentiment":"neutral","sentiment_score":-0.19378706769031637}],"sentiment":"neutral","sentiment_score":-0.19378706769031637,"channel":0,"num_words":17,"start":379.93,"end":384.19},{"sentences":[{"text":"Yeah.","start":384.305,"end":384.805,"sentiment":"neutral","sentiment_score":-0.11026933789253236}],"sentiment":"neutral","sentiment_score":-0.11026933789253236,"channel":1,"num_words":1,"start":384.305,"end":384.805},{"sentences":[{"text":"can can","start":384.76498,"end":385.32498,"sentiment":"neutral","sentiment_score":-0.11622598022222519}],"sentiment":"neutral","sentiment_score":-0.11622598022222519,"channel":0,"num_words":2,"start":384.76498,"end":385.32498},{"sentences":[{"text":"Yeah.","start":385.025,"end":385.265,"sentiment":"neutral","sentiment_score":-0.07717610895633698},{"text":"Right.","start":385.265,"end":385.765,"sentiment":"neutral","sentiment_score":-0.12782271206378937}],"sentiment":"neutral","sentiment_score":-0.10249941051006317,"channel":1,"num_words":2,"start":385.025,"end":385.765},{"sentences":[{"text":"get it because there's no","start":385.32498,"end":386.685,"sentiment":"neutral","sentiment_score":-0.19229305982589723}],"sentiment":"neutral","sentiment_score":-0.19229305982589723,"channel":0,"num_words":5,"start":385.32498,"end":386.685},{"sentences":[{"text":"Yeah.","start":386.545,"end":387.045,"sentiment":"neutral","sentiment_score":-0.2268505096435547}],"sentiment":"neutral","sentiment_score":-0.2268505096435547,"channel":1,"num_words":1,"start":386.545,"end":387.045},{"sentences":[{"text":"will to say what happens to it.","start":386.685,"end":388.465,"sentiment":"neutral","sentiment_score":-0.2501750460692814}],"sentiment":"neutral","sentiment_score":-0.2501750460692814,"channel":0,"num_words":7,"start":386.685,"end":388.465},{"sentences":[{"text":"Okay.","start":388.785,"end":389.285,"sentiment":"neutral","sentiment_score":-0.023306775838136673},{"text":"Yeah.","start":389.345,"end":389.745,"sentiment":"neutral","sentiment_score":-0.007571300491690636},{"text":"Yeah.","start":389.745,"end":390.065,"sentiment":"neutral","sentiment_score":0.011549804359674454},{"text":"Alright.","start":390.065,"end":390.565,"sentiment":"neutral","sentiment_score":0.051267579197883606}],"sentiment":"neutral","sentiment_score":0.007984826806932688,"channel":1,"num_words":4,"start":388.785,"end":390.565},{"sentences":[{"text":"So what I'm","start":390.445,"end":391.085,"sentiment":"neutral","sentiment_score":0.0335855595767498}],"sentiment":"neutral","sentiment_score":0.0335855595767498,"channel":0,"num_words":3,"start":390.445,"end":391.085},{"sentences":[{"text":"Okay.","start":391.025,"end":391.525,"sentiment":"neutral","sentiment_score":0.035613078624010086}],"sentiment":"neutral","sentiment_score":0.035613078624010086,"channel":1,"num_words":1,"start":391.025,"end":391.525},{"sentences":[{"text":"saying is we basically do a two step process is you can","start":391.085,"end":394.205,"sentiment":"neutral","sentiment_score":0.06176013437410196}],"sentiment":"neutral","sentiment_score":0.06176013437410196,"channel":0,"num_words":12,"start":391.085,"end":394.205},{"sentences":[{"text":"Yep.","start":393.985,"end":394.485,"sentiment":"neutral","sentiment_score":0.051331810653209686}],"sentiment":"neutral","sentiment_score":0.051331810653209686,"channel":1,"num_words":1,"start":393.985,"end":394.485},{"sentences":[{"text":"kind of split it between the kits.","start":394.205,"end":395.805,"sentiment":"neutral","sentiment_score":0.03083226111318384},{"text":"And then as","start":395.805,"end":396.445,"sentiment":"neutral","sentiment_score":0.034082590291897454}],"sentiment":"neutral","sentiment_score":0.031807359866797925,"channel":0,"num_words":10,"start":394.205,"end":396.445},{"sentences":[{"text":"Yep.","start":396.44,"end":396.94,"sentiment":"neutral","sentiment_score":0.030747270211577415}],"sentiment":"neutral","sentiment_score":0.030747270211577415,"channel":1,"num_words":1,"start":396.44,"end":396.94},{"sentences":[{"text":"soon as you got that will in place, we switch it to a LPR nomination so that it can","start":396.445,"end":403.51,"sentiment":"neutral","sentiment_score":0.01890163133411031}],"sentiment":"neutral","sentiment_score":0.01890163133411031,"channel":0,"num_words":19,"start":396.445,"end":403.51},{"sentences":[{"text":"Okay.","start":403.4,"end":403.9,"sentiment":"neutral","sentiment_score":-0.020282702520489693}],"sentiment":"neutral","sentiment_score":-0.020282702520489693,"channel":1,"num_words":1,"start":403.4,"end":403.9},{"sentences":[{"text":"be looked after that way.","start":403.51,"end":405.67,"sentiment":"neutral","sentiment_score":-0.08972839564085007},{"text":"We can do the LPR nomination now, but that's the risk is that it's being aimed at your estate without a will.","start":405.67,"end":411.19,"sentiment":"neutral","sentiment_score":-0.30345300923694263},{"text":"So if you're telling me I'll get that done this year, that's okay.","start":411.19,"end":414.755,"sentiment":"neutral","sentiment_score":-0.16187933488534048},{"text":"If it may take a few years and a few reminders to do, I don't wanna kind of put something in place that's gonna leave you in limbo lane.","start":414.975,"end":422.195,"sentiment":"negative","sentiment_score":-0.36258867999603006}],"sentiment":"neutral","sentiment_score":-0.28614653992480127,"channel":0,"num_words":69,"start":403.51,"end":422.195},{"sentences":[{"text":"Yeah.","start":422.59,"end":422.99002,"sentiment":"neutral","sentiment_score":-0.09158346056938171},{"text":"Yeah.","start":422.99002,"end":423.31,"sentiment":"neutral","sentiment_score":-0.1113692745566368},{"text":"No.","start":423.31,"end":423.71002,"sentiment":"neutral","sentiment_score":-0.15304207801818848},{"text":"Okay.","start":423.71002,"end":424.03,"sentiment":"neutral","sentiment_score":-0.06585023552179337},{"text":"Yeah.","start":424.03,"end":424.35,"sentiment":"neutral","sentiment_score":-0.0250149630010128}],"sentiment":"neutral","sentiment_score":-0.08937200233340263,"channel":1,"num_words":5,"start":422.59,"end":424.35},{"sentences":[{"text":"Well, okay.","start":424.35,"end":425.07,"sentiment":"neutral","sentiment_score":0.016433238983154297},{"text":"Let's split it between the kids, if that's what you reckon, and then, yeah, I'll do how much does it cost to do a Will?","start":425.07,"end":432.69,"sentiment":"neutral","sentiment_score":0.03015733018517494}],"sentiment":"neutral","sentiment_score":0.029140730836877116,"channel":1,"num_words":27,"start":424.35,"end":432.69},{"sentences":[{"text":"Well,","start":433.15,"end":433.65,"sentiment":"neutral","sentiment_score":0.03656438738107681}],"sentiment":"neutral","sentiment_score":0.03656438738107681,"channel":0,"num_words":1,"start":433.15,"end":433.65},{"sentences":[{"text":"Mhmm.","start":433.335,"end":433.835,"sentiment":"neutral","sentiment_score":0.042211126536130905}],"sentiment":"neutral","sentiment_score":0.042211126536130905,"channel":1,"num_words":1,"start":433.335,"end":433.835},{"sentences":[{"text":"there's a few options.","start":433.71002,"end":435.15,"sentiment":"neutral","sentiment_score":0.07962078973650932},{"text":"So you can actually go to, like, the the post office has will kits for $25.","start":435.15,"end":440.21002,"sentiment":"neutral","sentiment_score":0.07734515215270221}],"sentiment":"neutral","sentiment_score":0.07780027966946364,"channel":0,"num_words":20,"start":433.71002,"end":440.21002},{"sentences":[{"text":"Yeah.","start":440.615,"end":441.115,"sentiment":"neutral","sentiment_score":0.04618598148226738}],"sentiment":"neutral","sentiment_score":0.04618598148226738,"channel":1,"num_words":1,"start":440.615,"end":441.115},{"sentences":[{"text":"Outside","start":441.92502,"end":442.24503,"sentiment":"neutral","sentiment_score":0.021111056208610535}],"sentiment":"neutral","sentiment_score":0.021111056208610535,"channel":0,"num_words":1,"start":441.92502,"end":442.24503},{"sentences":[{"text":"Okay.","start":442.215,"end":442.715,"sentiment":"neutral","sentiment_score":0.00576573284342885}],"sentiment":"neutral","sentiment_score":0.00576573284342885,"channel":1,"num_words":1,"start":442.215,"end":442.715},{"sentences":[{"text":"of that, you've obviously got lawyers, which they're","start":442.24503,"end":444.325,"sentiment":"neutral","sentiment_score":-0.017815374536439776}],"sentiment":"neutral","sentiment_score":-0.017815374536439776,"channel":0,"num_words":8,"start":442.24503,"end":444.325},{"sentences":[{"text":"Yeah.","start":444.29498,"end":444.615,"sentiment":"neutral","sentiment_score":0.06157129257917404}],"sentiment":"neutral","sentiment_score":0.06157129257917404,"channel":1,"num_words":1,"start":444.29498,"end":444.615},{"sentences":[{"text":"not too","start":444.325,"end":444.80502,"sentiment":"neutral","sentiment_score":0.09147247672080994}],"sentiment":"neutral","sentiment_score":0.09147247672080994,"channel":0,"num_words":2,"start":444.325,"end":444.80502},{"sentences":[{"text":"Yeah.","start":444.615,"end":445.115,"sentiment":"neutral","sentiment_score":0.06721688061952591}],"sentiment":"neutral","sentiment_score":0.06721688061952591,"channel":1,"num_words":1,"start":444.615,"end":445.115},{"sentences":[{"text":"expensive for a simple will.","start":444.80502,"end":446.58502,"sentiment":"neutral","sentiment_score":0.12226893454790115},{"text":"And then you've also got, like, a public trustee for every state.","start":446.725,"end":450.725,"sentiment":"neutral","sentiment_score":0.10525973203281562},{"text":"You know, like, when you go to, like, a courthouse and and things like that, they have public trustees that do wills and powers of attorney and things like that similar to a solicitor.","start":450.725,"end":460.12,"sentiment":"neutral","sentiment_score":0.06610983451280524}],"sentiment":"neutral","sentiment_score":0.08082736922683668,"channel":0,"num_words":51,"start":444.80502,"end":460.12},{"sentences":[{"text":"Yeah.","start":460.55,"end":460.94998,"sentiment":"neutral","sentiment_score":0.07441666722297668},{"text":"Okay.","start":460.94998,"end":461.43,"sentiment":"neutral","sentiment_score":0.0837118849158287},{"text":"Yeah.","start":461.43,"end":461.75,"sentiment":"neutral","sentiment_score":0.09158189594745636},{"text":"Yeah.","start":461.75,"end":462.25,"sentiment":"neutral","sentiment_score":0.10379332304000854}],"sentiment":"neutral","sentiment_score":0.08837594278156757,"channel":1,"num_words":4,"start":460.55,"end":462.25},{"sentences":[{"text":"So there's a","start":462.02,"end":462.58,"sentiment":"neutral","sentiment_score":0.10368715971708298}],"sentiment":"neutral","sentiment_score":0.10368715971708298,"channel":0,"num_words":3,"start":462.02,"end":462.58},{"sentences":[{"text":"Yeah.","start":462.535,"end":463.035,"sentiment":"neutral","sentiment_score":0.09541362524032591}],"sentiment":"neutral","sentiment_score":0.09541362524032591,"channel":1,"num_words":1,"start":462.535,"end":463.035},{"sentences":[{"text":"few options there.","start":462.58,"end":463.53998,"sentiment":"neutral","sentiment_score":0.11857677499453227},{"text":"There's, you know, cheap will kit can get your basic one.","start":463.53998,"end":466.36,"sentiment":"neutral","sentiment_score":0.1384139440276406},{"text":"I would go to maybe, like, call up the the Google, the public trustee for your state and give them a call and see how much","start":466.41998,"end":472.505,"sentiment":"neutral","sentiment_score":0.11669762260638751}],"sentiment":"neutral","sentiment_score":0.12281054742634297,"channel":0,"num_words":40,"start":462.58,"end":472.505},{"sentences":[{"text":"Yeah.","start":472.455,"end":472.955,"sentiment":"neutral","sentiment_score":0.05786757916212082}],"sentiment":"neutral","sentiment_score":0.05786757916212082,"channel":1,"num_words":1,"start":472.455,"end":472.955},{"sentences":[{"text":"that would cost, whether it's, you know, $200 or something like that, see what","start":472.505,"end":476.025,"sentiment":"neutral","sentiment_score":0.045955518526690345}],"sentiment":"neutral","sentiment_score":0.045955518526690345,"channel":0,"num_words":14,"start":472.505,"end":476.025},{"sentences":[{"text":"Yep.","start":475.975,"end":476.475,"sentiment":"neutral","sentiment_score":0.06310805678367615}],"sentiment":"neutral","sentiment_score":0.06310805678367615,"channel":1,"num_words":1,"start":475.975,"end":476.475},{"sentences":[{"text":"it's like.","start":476.025,"end":476.76498,"sentiment":"neutral","sentiment_score":0.027086377143859863}],"sentiment":"neutral","sentiment_score":0.027086377143859863,"channel":0,"num_words":2,"start":476.025,"end":476.76498},{"sentences":[{"text":"Okay.","start":477.29,"end":477.79,"sentiment":"neutral","sentiment_score":0.023001059889793396},{"text":"Alright.","start":477.85,"end":478.25,"sentiment":"neutral","sentiment_score":0.07291975617408752},{"text":"Yep.","start":478.25,"end":478.57,"sentiment":"neutral","sentiment_score":0.06383121013641357},{"text":"So you don't do you don't offer anything like that?","start":478.57,"end":481.69,"sentiment":"neutral","sentiment_score":-0.23416486606001854},{"text":"Or","start":481.69,"end":481.93,"sentiment":"neutral","sentiment_score":-0.31775233149528503}],"sentiment":"neutral","sentiment_score":-0.17854635470679828,"channel":1,"num_words":14,"start":477.29,"end":481.93},{"sentences":[{"text":"We we don't have any kind of lawyers to recommend you to.","start":483.19,"end":487.43,"sentiment":"negative","sentiment_score":-0.39934374143679935},{"text":"There","start":487.43,"end":487.67,"sentiment":"neutral","sentiment_score":-0.19798961281776428}],"sentiment":"negative","sentiment_score":-0.3838549623122582,"channel":0,"num_words":13,"start":483.19,"end":487.67},{"sentences":[{"text":"Yeah.","start":487.61,"end":488.11,"sentiment":"neutral","sentiment_score":-0.1008446365594864}],"sentiment":"neutral","sentiment_score":-0.1008446365594864,"channel":1,"num_words":1,"start":487.61,"end":488.11},{"sentences":[{"text":"is, I think,","start":487.67,"end":488.31,"sentiment":"neutral","sentiment_score":-0.07752669230103493}],"sentiment":"neutral","sentiment_score":-0.07752669230103493,"channel":0,"num_words":3,"start":487.67,"end":488.31},{"sentences":[{"text":"Okay.","start":488.17,"end":488.67,"sentiment":"neutral","sentiment_score":-0.055648073554039}],"sentiment":"neutral","sentiment_score":-0.055648073554039,"channel":1,"num_words":1,"start":488.17,"end":488.67},{"sentences":[{"text":"one that possibly could, but I'm not sure if they kind of service nationwide.","start":488.31,"end":492.97,"sentiment":"neutral","sentiment_score":-0.14785880329353468},{"text":"That's all.","start":493.11002,"end":493.785,"sentiment":"neutral","sentiment_score":-0.11489292979240417}],"sentiment":"neutral","sentiment_score":-0.14373806910589337,"channel":0,"num_words":16,"start":488.31,"end":493.785},{"sentences":[{"text":"Yeah.","start":494.185,"end":494.505,"sentiment":"neutral","sentiment_score":-0.01370023749768734},{"text":"Okay.","start":494.505,"end":494.98502,"sentiment":"neutral","sentiment_score":-0.008111542090773582},{"text":"Alright.","start":494.98502,"end":495.385,"sentiment":"neutral","sentiment_score":0.006622945424169302},{"text":"No.","start":495.385,"end":495.625,"sentiment":"neutral","sentiment_score":-0.2289833426475525},{"text":"No.","start":495.625,"end":495.86502,"sentiment":"neutral","sentiment_score":-0.31156009435653687}],"sentiment":"neutral","sentiment_score":-0.1111464542336762,"channel":1,"num_words":5,"start":494.185,"end":495.86502},{"sentences":[{"text":"That's alright.","start":495.86502,"end":496.585,"sentiment":"neutral","sentiment_score":-0.20312856137752533},{"text":"So I gotta look into I'll so I'll just look into doing a will in the next, what, twelve months, you say?","start":496.585,"end":502.92502,"sentiment":"neutral","sentiment_score":-0.05337085405533964}],"sentiment":"neutral","sentiment_score":-0.06585066299885511,"channel":1,"num_words":24,"start":495.86502,"end":502.92502},{"sentences":[{"text":"Yep.","start":503.945,"end":504.185,"sentiment":"neutral","sentiment_score":-0.01171300932765007}],"sentiment":"neutral","sentiment_score":-0.01171300932765007,"channel":0,"num_words":1,"start":503.945,"end":504.185},{"sentences":[{"text":"Or","start":504.15002,"end":504.47,"sentiment":"neutral","sentiment_score":-0.030147306621074677}],"sentiment":"neutral","sentiment_score":-0.030147306621074677,"channel":1,"num_words":1,"start":504.15002,"end":504.47},{"sentences":[{"text":"Yeah.","start":504.185,"end":504.505,"sentiment":"neutral","sentiment_score":-0.01525966264307499}],"sentiment":"neutral","sentiment_score":-0.01525966264307499,"channel":0,"num_words":1,"start":504.185,"end":504.505},{"sentences":[{"text":"six","start":504.47,"end":504.79,"sentiment":"neutral","sentiment_score":-0.020848669111728668}],"sentiment":"neutral","sentiment_score":-0.020848669111728668,"channel":1,"num_words":1,"start":504.47,"end":504.79},{"sentences":[{"text":"So","start":504.505,"end":504.825,"sentiment":"neutral","sentiment_score":-0.04801836609840393}],"sentiment":"neutral","sentiment_score":-0.04801836609840393,"channel":0,"num_words":1,"start":504.505,"end":504.825},{"sentences":[{"text":"months?","start":504.79,"end":505.29,"sentiment":"neutral","sentiment_score":-0.036522507667541504}],"sentiment":"neutral","sentiment_score":-0.036522507667541504,"channel":1,"num_words":1,"start":504.79,"end":505.29},{"sentences":[{"text":"what I'm thinking is, like, if you do get it sorted relatively soon, we can do that","start":504.825,"end":509.13998,"sentiment":"neutral","sentiment_score":-0.01950712611570078}],"sentiment":"neutral","sentiment_score":-0.01950712611570078,"channel":0,"num_words":17,"start":504.825,"end":509.13998},{"sentences":[{"text":"Yep.","start":509.03,"end":509.53,"sentiment":"neutral","sentiment_score":0.01851046085357666}],"sentiment":"neutral","sentiment_score":0.01851046085357666,"channel":1,"num_words":1,"start":509.03,"end":509.53},{"sentences":[{"text":"nomination I'm thinking of.","start":509.13998,"end":510.66,"sentiment":"neutral","sentiment_score":-0.019085264299064875},{"text":"But I don't","start":510.66,"end":511.06,"sentiment":"neutral","sentiment_score":-0.3035017003615697}],"sentiment":"neutral","sentiment_score":-0.14097802261156694,"channel":0,"num_words":7,"start":509.13998,"end":511.06},{"sentences":[{"text":"Yep.","start":511.03,"end":511.53,"sentiment":"negative","sentiment_score":-0.34304773807525635}],"sentiment":"negative","sentiment_score":-0.34304773807525635,"channel":1,"num_words":1,"start":511.03,"end":511.53},{"sentences":[{"text":"wanna put it in place now, and then it's three years down the line and there's no will and then","start":511.06,"end":516.04,"sentiment":"negative","sentiment_score":-0.33500267267227174}],"sentiment":"negative","sentiment_score":-0.33500267267227174,"channel":0,"num_words":20,"start":511.06,"end":516.04},{"sentences":[{"text":"Yeah.","start":515.59,"end":516.09,"sentiment":"neutral","sentiment_score":-0.2970222234725952}],"sentiment":"neutral","sentiment_score":-0.2970222234725952,"channel":1,"num_words":1,"start":515.59,"end":516.09},{"sentences":[{"text":"limbo land.","start":516.26,"end":516.98,"sentiment":"negative","sentiment_score":-0.46039748191833496},{"text":"So it's really gauging up to you.","start":516.98,"end":518.84,"sentiment":"neutral","sentiment_score":-0.21721398404666356},{"text":"Do you","start":518.9,"end":519.14,"sentiment":"neutral","sentiment_score":-0.07807224988937378}],"sentiment":"neutral","sentiment_score":-0.2361306683583693,"channel":0,"num_words":11,"start":516.26,"end":519.14},{"sentences":[{"text":"Okay.","start":519.125,"end":519.625,"sentiment":"neutral","sentiment_score":-0.0071050748229026794}],"sentiment":"neutral","sentiment_score":-0.0071050748229026794,"channel":1,"num_words":1,"start":519.125,"end":519.625},{"sentences":[{"text":"are you okay to do an interim nomination now and then fix it up once your will is in place, or you just wanna do that skip ahead?","start":519.3,"end":526.77496,"sentiment":"neutral","sentiment_score":-0.021606557204255035}],"sentiment":"neutral","sentiment_score":-0.021606557204255035,"channel":0,"num_words":28,"start":519.3,"end":526.77496},{"sentences":[{"text":"Yeah.","start":528.24506,"end":528.74506,"sentiment":"neutral","sentiment_score":0.07543273270130157},{"text":"Yeah.","start":532.19,"end":532.59,"sentiment":"neutral","sentiment_score":0.09956134855747224},{"text":"Well, I'll I'll work on giving myself six months to do the will.","start":532.59,"end":536.53,"sentiment":"neutral","sentiment_score":0.05210951801676016}],"sentiment":"neutral","sentiment_score":0.0568278543651104,"channel":1,"num_words":15,"start":528.24506,"end":536.53},{"sentences":[{"text":"Yep.","start":536.93,"end":537.43,"sentiment":"neutral","sentiment_score":-0.05012337863445282}],"sentiment":"neutral","sentiment_score":-0.05012337863445282,"channel":0,"num_words":1,"start":536.93,"end":537.43},{"sentences":[{"text":"I'll I'll talk to I'll go I'll get some advice and whatnot because, yeah, I might have an old barrister that might be able to help me as well.","start":537.15,"end":546.875,"sentiment":"neutral","sentiment_score":0.10636338604421451},{"text":"So if I, yeah, if I get a will in place, then do I, what, send you a copy of that will, or what happens?","start":547.57495,"end":556.555,"sentiment":"neutral","sentiment_score":0.04359686136245727}],"sentiment":"neutral","sentiment_score":0.07730480980266023,"channel":1,"num_words":54,"start":537.15,"end":556.555},{"sentences":[{"text":"No.","start":556.865,"end":557.105,"sentiment":"neutral","sentiment_score":-0.032039158046245575},{"text":"You don't have to do that.","start":557.105,"end":558.065,"sentiment":"neutral","sentiment_score":-0.046271856874227524},{"text":"You just have to give us a call to let us know that you've done that and","start":558.065,"end":561.74,"sentiment":"neutral","sentiment_score":0.011988366132273394}],"sentiment":"neutral","sentiment_score":-0.004411169793456793,"channel":0,"num_words":24,"start":556.865,"end":561.74},{"sentences":[{"text":"Yeah.","start":561.34,"end":561.84,"sentiment":"neutral","sentiment_score":0.03987909108400345}],"sentiment":"neutral","sentiment_score":0.03987909108400345,"channel":1,"num_words":1,"start":561.34,"end":561.84},{"sentences":[{"text":"to just ask about your beneficiaries, and","start":562.07996,"end":565.32,"sentiment":"neutral","sentiment_score":0.044533329350607734}],"sentiment":"neutral","sentiment_score":0.044533329350607734,"channel":0,"num_words":7,"start":562.07996,"end":565.32},{"sentences":[{"text":"Yeah.","start":565.18,"end":565.68,"sentiment":"neutral","sentiment_score":0.061850886791944504}],"sentiment":"neutral","sentiment_score":0.061850886791944504,"channel":1,"num_words":1,"start":565.18,"end":565.68},{"sentences":[{"text":"then we can put in place that, you know, redo the forms with you.","start":565.32,"end":569.26,"sentiment":"neutral","sentiment_score":0.06430949031242303}],"sentiment":"neutral","sentiment_score":0.06430949031242303,"channel":0,"num_words":14,"start":565.32,"end":569.26},{"sentences":[{"text":"Okay.","start":569.66003,"end":570.14,"sentiment":"neutral","sentiment_score":0.06977624446153641},{"text":"Yeah.","start":570.14,"end":570.46,"sentiment":"neutral","sentiment_score":0.06986832618713379},{"text":"Alright.","start":570.46,"end":570.7,"sentiment":"neutral","sentiment_score":0.11590655893087388},{"text":"Let's do that then.","start":570.7,"end":571.74,"sentiment":"neutral","sentiment_score":0.1355421207845211}],"sentiment":"neutral","sentiment_score":0.11395994467394692,"channel":1,"num_words":7,"start":569.66003,"end":571.74},{"sentences":[{"text":"And","start":571.72,"end":572.04,"sentiment":"neutral","sentiment_score":0.0757601410150528}],"sentiment":"neutral","sentiment_score":0.0757601410150528,"channel":0,"num_words":1,"start":571.72,"end":572.04},{"sentences":[{"text":"Yep.","start":571.74,"end":572.24,"sentiment":"neutral","sentiment_score":0.06621769070625305}],"sentiment":"neutral","sentiment_score":0.06621769070625305,"channel":1,"num_words":1,"start":571.74,"end":572.24},{"sentences":[{"text":"even now, like, I'm googling, you're in Queensland in Kirwan, aren't you?","start":572.04,"end":575.98,"sentiment":"neutral","sentiment_score":0.024202013155445457}],"sentiment":"neutral","sentiment_score":0.024202013155445457,"channel":0,"num_words":12,"start":572.04,"end":575.98},{"sentences":[{"text":"Yep.","start":576.195,"end":576.51495,"sentiment":"neutral","sentiment_score":0.03618576005101204},{"text":"Yep.","start":576.51495,"end":577.01495,"sentiment":"neutral","sentiment_score":0.04512452706694603}],"sentiment":"neutral","sentiment_score":0.040655143558979034,"channel":1,"num_words":2,"start":576.195,"end":577.01495},{"sentences":[{"text":"Yep.","start":576.925,"end":577.245,"sentiment":"neutral","sentiment_score":0.05428022146224976},{"text":"So when I Google Queensland public trustee, like, the fourth link down, that all the links just show QPT, and,","start":577.245,"end":584.52496,"sentiment":"neutral","sentiment_score":0.05194202661514282}],"sentiment":"neutral","sentiment_score":0.05205336922690982,"channel":0,"num_words":21,"start":576.925,"end":584.52496},{"sentences":[{"text":"Mhmm.","start":584.435,"end":584.83496,"sentiment":"neutral","sentiment_score":0.0367150753736496}],"sentiment":"neutral","sentiment_score":0.0367150753736496,"channel":1,"num_words":1,"start":584.435,"end":584.83496},{"sentences":[{"text":"like, the","start":584.52496,"end":584.845,"sentiment":"neutral","sentiment_score":0.04544515162706375}],"sentiment":"neutral","sentiment_score":0.04544515162706375,"channel":0,"num_words":2,"start":584.52496,"end":584.845},{"sentences":[{"text":"Yep.","start":584.83496,"end":585.33496,"sentiment":"neutral","sentiment_score":0.046773940324783325}],"sentiment":"neutral","sentiment_score":0.046773940324783325,"channel":1,"num_words":1,"start":584.83496,"end":585.33496},{"sentences":[{"text":"fourth one down, which we said, out will service, and there's, like, a phone number there.","start":584.845,"end":588.52496,"sentiment":"neutral","sentiment_score":0.047016756143420935},{"text":"Book an appointment,","start":588.52496,"end":589.425,"sentiment":"neutral","sentiment_score":0.056708174447218575}],"sentiment":"neutral","sentiment_score":0.048546980086125825,"channel":0,"num_words":19,"start":584.845,"end":589.425},{"sentences":[{"text":"Okay.","start":589.24,"end":589.74,"sentiment":"neutral","sentiment_score":0.05170534923672676}],"sentiment":"neutral","sentiment_score":0.05170534923672676,"channel":1,"num_words":1,"start":589.24,"end":589.74},{"sentences":[{"text":"different physical locations you can go to, all that kind of thing.","start":590.3,"end":594.0,"sentiment":"neutral","sentiment_score":0.03966889716684818}],"sentiment":"neutral","sentiment_score":0.03966889716684818,"channel":0,"num_words":12,"start":590.3,"end":594.0},{"sentences":[{"text":"Yep.","start":594.36,"end":594.76,"sentiment":"neutral","sentiment_score":0.19299744069576263},{"text":"Awesome.","start":594.76,"end":595.26,"sentiment":"positive","sentiment_score":0.4737764000892639},{"text":"Alright.","start":595.32,"end":595.8,"sentiment":"positive","sentiment_score":0.34419798851013184},{"text":"No.","start":595.8,"end":596.04,"sentiment":"neutral","sentiment_score":0.31606346368789673},{"text":"That sounds great.","start":596.04,"end":596.92,"sentiment":"positive","sentiment_score":0.48757486542065936}],"sentiment":"positive","sentiment_score":0.39853712703500477,"channel":1,"num_words":7,"start":594.36,"end":596.92},{"sentences":[{"text":"Yep.","start":596.92,"end":597.42,"sentiment":"positive","sentiment_score":0.3358306586742401}],"sentiment":"positive","sentiment_score":0.3358306586742401,"channel":1,"num_words":1,"start":596.92,"end":597.42},{"sentences":[{"text":"Cool.","start":597.5,"end":597.98,"sentiment":"positive","sentiment_score":0.4573529362678528},{"text":"So I'll put in to do the the fifty fifty split for the time being and some notes that we're gonna look for the testamentary trust will.","start":597.98,"end":606.675,"sentiment":"neutral","sentiment_score":0.21063319455694268}],"sentiment":"neutral","sentiment_score":0.2194446139037609,"channel":0,"num_words":28,"start":597.5,"end":606.675},{"sentences":[{"text":"Yep.","start":607.095,"end":607.595,"sentiment":"neutral","sentiment_score":0.23177514970302585}],"sentiment":"neutral","sentiment_score":0.23177514970302585,"channel":1,"num_words":1,"start":607.095,"end":607.595},{"sentences":[{"text":"And alright.","start":609.295,"end":610.815,"sentiment":"neutral","sentiment_score":0.3048561215400696},{"text":"So that's all good.","start":610.815,"end":612.115,"sentiment":"positive","sentiment_score":0.5007351711392403},{"text":"Alright.","start":612.415,"end":612.735,"sentiment":"neutral","sentiment_score":0.26660606265068054},{"text":"So the next thing, I'll put some notes in file for that.","start":612.735,"end":615.375,"sentiment":"neutral","sentiment_score":0.20033794889847437},{"text":"We'll send you out the forms, get that organized.","start":615.375,"end":617.71497,"sentiment":"neutral","sentiment_score":0.21112072467803955}],"sentiment":"neutral","sentiment_score":0.2565500321132796,"channel":0,"num_words":28,"start":609.295,"end":617.71497},{"sentences":[{"text":"Just","start":618.415,"end":618.65497,"sentiment":"neutral","sentiment_score":0.10382568836212158}],"sentiment":"neutral","sentiment_score":0.10382568836212158,"channel":0,"num_words":1,"start":618.415,"end":618.65497},{"sentences":[{"text":"Mhmm.","start":618.45,"end":618.95,"sentiment":"neutral","sentiment_score":0.07508373260498047}],"sentiment":"neutral","sentiment_score":0.07508373260498047,"channel":1,"num_words":1,"start":618.45,"end":618.95},{"sentences":[{"text":"with the the superannuation, so the returns of the Hub twenty four, I've been looking through your portfolio.","start":618.65497,"end":625.58997,"sentiment":"neutral","sentiment_score":0.08799124219351345},{"text":"Have you had a chance to, like, log in to your Hub twenty four much?","start":626.21,"end":629.83,"sentiment":"neutral","sentiment_score":0.04611848642428716}],"sentiment":"neutral","sentiment_score":0.06895817138931969,"channel":0,"num_words":33,"start":618.65497,"end":629.83},{"sentences":[{"text":"No.","start":630.305,"end":630.705,"sentiment":"neutral","sentiment_score":-0.11727114021778108},{"text":"I don't know my login.","start":630.705,"end":631.84503,"sentiment":"neutral","sentiment_score":-0.13720218390226363}],"sentiment":"neutral","sentiment_score":-0.1338803432881832,"channel":1,"num_words":6,"start":630.305,"end":631.84503},{"sentences":[{"text":"No.","start":632.545,"end":632.78503,"sentiment":"neutral","sentiment_score":-0.06851167976856232},{"text":"That's okay.","start":632.78503,"end":633.445,"sentiment":"neutral","sentiment_score":0.020276108756661415},{"text":"So whenever we do these, like, reviews of investments and performance, I do a little bit of a short and long term look where I go, okay.","start":635.425,"end":643.425,"sentiment":"neutral","sentiment_score":0.12773809802752953}],"sentiment":"neutral","sentiment_score":0.11403230614960194,"channel":0,"num_words":30,"start":632.545,"end":643.425},{"sentences":[{"text":"Mhmm.","start":643.26,"end":643.5,"sentiment":"neutral","sentiment_score":0.08119365572929382}],"sentiment":"neutral","sentiment_score":0.08119365572929382,"channel":1,"num_words":1,"start":643.26,"end":643.5},{"sentences":[{"text":"How's","start":643.425,"end":643.66504,"sentiment":"neutral","sentiment_score":0.09432421624660492}],"sentiment":"neutral","sentiment_score":0.09432421624660492,"channel":0,"num_words":1,"start":643.425,"end":643.66504},{"sentences":[{"text":"Yep.","start":643.5,"end":644.0,"sentiment":"neutral","sentiment_score":0.10859566926956175}],"sentiment":"neutral","sentiment_score":0.10859566926956175,"channel":1,"num_words":1,"start":643.5,"end":644.0},{"sentences":[{"text":"it going for the last twelve months?","start":643.66504,"end":644.945,"sentiment":"neutral","sentiment_score":0.08146425123725619},{"text":"How's it going for five years?","start":644.945,"end":646.565,"sentiment":"neutral","sentiment_score":0.1386997513473034},{"text":"Is it kind of tracking","start":646.67004,"end":647.57,"sentiment":"neutral","sentiment_score":0.0621067613363266}],"sentiment":"neutral","sentiment_score":0.0951656707459026,"channel":0,"num_words":18,"start":643.66504,"end":647.57},{"sentences":[{"text":"Yep.","start":647.1,"end":647.6,"sentiment":"neutral","sentiment_score":0.07141976803541183}],"sentiment":"neutral","sentiment_score":0.07141976803541183,"channel":1,"num_words":1,"start":647.1,"end":647.6},{"sentences":[{"text":"well?","start":647.79004,"end":648.11005,"sentiment":"neutral","sentiment_score":0.05280514061450958},{"text":"That kind of thing.","start":648.11005,"end":649.17004,"sentiment":"neutral","sentiment_score":0.041131699457764626}],"sentiment":"neutral","sentiment_score":0.043466387689113616,"channel":0,"num_words":5,"start":647.79004,"end":649.17004},{"sentences":[{"text":"Yeah.","start":649.5,"end":650.0,"sentiment":"neutral","sentiment_score":0.09904389083385468}],"sentiment":"neutral","sentiment_score":0.09904389083385468,"channel":1,"num_words":1,"start":649.5,"end":650.0},{"sentences":[{"text":"So you're in just to give you a bit of a recap.","start":650.43005,"end":652.75,"sentiment":"neutral","sentiment_score":0.11310914903879166},{"text":"So you're in, like, a growth portfolio.","start":652.75,"end":654.45,"sentiment":"neutral","sentiment_score":0.10317102606807436}],"sentiment":"neutral","sentiment_score":0.10944773531273792,"channel":0,"num_words":19,"start":650.43005,"end":654.45},{"sentences":[{"text":"Yeah.","start":655.205,"end":655.705,"sentiment":"neutral","sentiment_score":0.10884097218513487}],"sentiment":"neutral","sentiment_score":0.10884097218513487,"channel":1,"num_words":1,"start":655.205,"end":655.705},{"sentences":[{"text":"So that's, like, a four out of five on the risk scale, 80% of your money in shares and property.","start":655.47003,"end":660.75,"sentiment":"neutral","sentiment_score":0.11375700086355209},{"text":"So you're still focused on trying to grow your super at this point.","start":660.75,"end":663.89496,"sentiment":"neutral","sentiment_score":0.21809717210439536}],"sentiment":"neutral","sentiment_score":0.15486070468570245,"channel":0,"num_words":33,"start":655.47003,"end":663.89496},{"sentences":[{"text":"Yeah.","start":663.60504,"end":664.10504,"sentiment":"neutral","sentiment_score":0.06477866321802139},{"text":"Yeah.","start":664.325,"end":664.825,"sentiment":"neutral","sentiment_score":0.06524790823459625}],"sentiment":"neutral","sentiment_score":0.06501328572630882,"channel":1,"num_words":2,"start":663.60504,"end":664.825},{"sentences":[{"text":"You're not high risk, but you're kind of the one below that, if that makes sense.","start":664.915,"end":668.77496,"sentiment":"neutral","sentiment_score":0.0194587015430443}],"sentiment":"neutral","sentiment_score":0.0194587015430443,"channel":0,"num_words":16,"start":664.915,"end":668.77496},{"sentences":[{"text":"Yeah.","start":669.01996,"end":669.5,"sentiment":"neutral","sentiment_score":0.11229130625724792},{"text":"Yeah.","start":669.5,"end":670.0,"sentiment":"neutral","sentiment_score":0.1641659438610077}],"sentiment":"neutral","sentiment_score":0.1382286250591278,"channel":1,"num_words":2,"start":669.01996,"end":670.0},{"sentences":[{"text":"Yep.","start":669.95496,"end":670.435,"sentiment":"neutral","sentiment_score":0.20794235169887543},{"text":"Now when you're in growth, you're aiming for an average return of about eight or 9%.","start":670.435,"end":675.495,"sentiment":"neutral","sentiment_score":0.21731885895133018},{"text":"Like, it'll","start":675.97003,"end":676.53,"sentiment":"neutral","sentiment_score":0.11767103523015976}],"sentiment":"neutral","sentiment_score":0.20633611396739357,"channel":0,"num_words":19,"start":669.95496,"end":676.53},{"sentences":[{"text":"Mhmm.","start":676.3,"end":676.8,"sentiment":"neutral","sentiment_score":0.07505784928798676}],"sentiment":"neutral","sentiment_score":0.07505784928798676,"channel":1,"num_words":1,"start":676.3,"end":676.8},{"sentences":[{"text":"go up ten, fifteen, 20% a year, may go down once every seven years when there's a, you know, global financial crisis, COVID, World War three,","start":676.53,"end":685.41003,"sentiment":"neutral","sentiment_score":0.025527742333137073}],"sentiment":"neutral","sentiment_score":0.025527742333137073,"channel":0,"num_words":26,"start":676.53,"end":685.41003},{"sentences":[{"text":"Yeah.","start":685.105,"end":685.605,"sentiment":"neutral","sentiment_score":0.04665788263082504}],"sentiment":"neutral","sentiment_score":0.04665788263082504,"channel":1,"num_words":1,"start":685.105,"end":685.605},{"sentences":[{"text":"whatever it is.","start":685.41003,"end":686.39,"sentiment":"neutral","sentiment_score":0.038110435009002686},{"text":"But you wanna","start":686.45,"end":687.17,"sentiment":"neutral","sentiment_score":0.04186139379938444}],"sentiment":"neutral","sentiment_score":0.03998591440419356,"channel":0,"num_words":6,"start":685.41003,"end":687.17},{"sentences":[{"text":"Yeah.","start":686.945,"end":687.445,"sentiment":"neutral","sentiment_score":0.05361280590295792}],"sentiment":"neutral","sentiment_score":0.05361280590295792,"channel":1,"num_words":1,"start":686.945,"end":687.445},{"sentences":[{"text":"average out as close to 10% as you can.","start":687.17,"end":690.085,"sentiment":"neutral","sentiment_score":0.11302764465411504},{"text":"Does that make sense?","start":690.085,"end":691.065,"sentiment":"neutral","sentiment_score":0.09842689521610737}],"sentiment":"neutral","sentiment_score":0.10853510636549729,"channel":0,"num_words":13,"start":687.17,"end":691.065},{"sentences":[{"text":"Mhmm.","start":691.505,"end":692.005,"sentiment":"neutral","sentiment_score":0.0241275392472744}],"sentiment":"neutral","sentiment_score":0.0241275392472744,"channel":1,"num_words":1,"start":691.505,"end":692.005},{"sentences":[{"text":"Now","start":692.645,"end":693.145,"sentiment":"neutral","sentiment_score":0.023913931101560593}],"sentiment":"neutral","sentiment_score":0.023913931101560593,"channel":0,"num_words":1,"start":692.645,"end":693.145},{"sentences":[{"text":"I'm","start":693.08997,"end":693.25,"sentiment":"neutral","sentiment_score":0.016148075461387634}],"sentiment":"neutral","sentiment_score":0.016148075461387634,"channel":1,"num_words":1,"start":693.08997,"end":693.25},{"sentences":[{"text":"when","start":693.205,"end":693.445,"sentiment":"neutral","sentiment_score":0.0135213490575552}],"sentiment":"neutral","sentiment_score":0.0135213490575552,"channel":0,"num_words":1,"start":693.205,"end":693.445},{"sentences":[{"text":"I'm","start":693.25,"end":693.75,"sentiment":"neutral","sentiment_score":0.018838539719581604}],"sentiment":"neutral","sentiment_score":0.018838539719581604,"channel":1,"num_words":1,"start":693.25,"end":693.75},{"sentences":[{"text":"I","start":693.445,"end":693.685,"sentiment":"neutral","sentiment_score":0.020676033571362495}],"sentiment":"neutral","sentiment_score":0.020676033571362495,"channel":0,"num_words":1,"start":693.445,"end":693.685},{"sentences":[{"text":"doing, like, one percent of something.","start":693.97,"end":695.91,"sentiment":"neutral","sentiment_score":0.021393137673536938}],"sentiment":"neutral","sentiment_score":0.021393137673536938,"channel":1,"num_words":6,"start":693.97,"end":695.91},{"sentences":[{"text":"yes.","start":696.325,"end":696.805,"sentiment":"neutral","sentiment_score":0.02217205986380577},{"text":"So the last twelve","start":696.805,"end":697.84503,"sentiment":"neutral","sentiment_score":0.013655638787895441}],"sentiment":"neutral","sentiment_score":0.015358923003077507,"channel":0,"num_words":5,"start":696.325,"end":697.84503},{"sentences":[{"text":"Yeah.","start":697.56995,"end":698.06995,"sentiment":"neutral","sentiment_score":0.017904089763760567}],"sentiment":"neutral","sentiment_score":0.017904089763760567,"channel":1,"num_words":1,"start":697.56995,"end":698.06995},{"sentences":[{"text":"months, one percent.","start":697.84503,"end":698.885,"sentiment":"neutral","sentiment_score":0.02638526385029157},{"text":"And, obviously, markets have been a bit choppy, but it","start":698.885,"end":701.63995,"sentiment":"neutral","sentiment_score":-0.048745169304311275}],"sentiment":"neutral","sentiment_score":-0.03140737703786446,"channel":0,"num_words":13,"start":697.84503,"end":701.63995},{"sentences":[{"text":"Yeah.","start":701.56995,"end":702.06995,"sentiment":"neutral","sentiment_score":-0.01519109308719635}],"sentiment":"neutral","sentiment_score":-0.01519109308719635,"channel":1,"num_words":1,"start":701.56995,"end":702.06995},{"sentences":[{"text":"should have been a little bit higher than one.","start":701.63995,"end":703.72,"sentiment":"neutral","sentiment_score":-0.04265191675060325},{"text":"I would have","start":703.72,"end":704.27997,"sentiment":"neutral","sentiment_score":-0.01023768757780393}],"sentiment":"neutral","sentiment_score":-0.03454835945740342,"channel":0,"num_words":12,"start":701.63995,"end":704.27997},{"sentences":[{"text":"Yeah.","start":704.20996,"end":704.70996,"sentiment":"neutral","sentiment_score":-0.014434398151934149}],"sentiment":"neutral","sentiment_score":-0.014434398151934149,"channel":1,"num_words":1,"start":704.20996,"end":704.70996},{"sentences":[{"text":"expected it to do around about six or seven given what's happened","start":704.27997,"end":707.8,"sentiment":"neutral","sentiment_score":-0.02406632046525677}],"sentiment":"neutral","sentiment_score":-0.02406632046525677,"channel":0,"num_words":12,"start":704.27997,"end":707.8},{"sentences":[{"text":"Yeah.","start":707.49,"end":707.81,"sentiment":"neutral","sentiment_score":-0.0012210803106427193}],"sentiment":"neutral","sentiment_score":-0.0012210803106427193,"channel":1,"num_words":1,"start":707.49,"end":707.81},{"sentences":[{"text":"in","start":707.8,"end":707.88,"sentiment":"neutral","sentiment_score":-0.000826612114906311}],"sentiment":"neutral","sentiment_score":-0.000826612114906311,"channel":0,"num_words":1,"start":707.8,"end":707.88},{"sentences":[{"text":"Right.","start":707.81,"end":708.225,"sentiment":"neutral","sentiment_score":-0.005191675387322903}],"sentiment":"neutral","sentiment_score":-0.005191675387322903,"channel":1,"num_words":1,"start":707.81,"end":708.225},{"sentences":[{"text":"the last twelve months.","start":707.88,"end":709.01996,"sentiment":"neutral","sentiment_score":-0.014486175030469894}],"sentiment":"neutral","sentiment_score":-0.014486175030469894,"channel":0,"num_words":4,"start":707.88,"end":709.01996},{"sentences":[{"text":"Yeah.","start":709.505,"end":710.005,"sentiment":"neutral","sentiment_score":0.009696521796286106}],"sentiment":"neutral","sentiment_score":0.009696521796286106,"channel":1,"num_words":1,"start":709.505,"end":710.005},{"sentences":[{"text":"K.","start":710.12,"end":710.62,"sentiment":"neutral","sentiment_score":0.0033188527449965477}],"sentiment":"neutral","sentiment_score":0.0033188527449965477,"channel":0,"num_words":1,"start":710.12,"end":710.62},{"sentences":[{"text":"Okay.","start":710.14496,"end":710.64496,"sentiment":"neutral","sentiment_score":0.0053519271314144135},{"text":"Yeah.","start":710.70496,"end":711.20496,"sentiment":"neutral","sentiment_score":-0.01906436868011951}],"sentiment":"neutral","sentiment_score":-0.006856220774352549,"channel":1,"num_words":2,"start":710.14496,"end":711.20496},{"sentences":[{"text":"So when I look at this long term, it's it's still been hitting about nine and a half percent for the last five years, which is good, but there's a couple of red flags that I can see on your account.","start":711.24,"end":721.445,"sentiment":"neutral","sentiment_score":-0.12304228571493452}],"sentiment":"neutral","sentiment_score":-0.12304228571493452,"channel":0,"num_words":41,"start":711.24,"end":721.445},{"sentences":[{"text":"Mhmm.","start":722.38495,"end":722.785,"sentiment":"neutral","sentiment_score":-0.07049548625946045},{"text":"Mhmm.","start":722.785,"end":723.285,"sentiment":"neutral","sentiment_score":-0.035437047481536865}],"sentiment":"neutral","sentiment_score":-0.05296626687049866,"channel":1,"num_words":2,"start":722.38495,"end":723.285},{"sentences":[{"text":"Now with the portfolio that we've put together for you, we've got about eight options that","start":723.10504,"end":728.68005,"sentiment":"neutral","sentiment_score":0.022709522396326065}],"sentiment":"neutral","sentiment_score":0.022709522396326065,"channel":0,"num_words":16,"start":723.10504,"end":728.68005},{"sentences":[{"text":"Yeah.","start":728.68,"end":729.18,"sentiment":"neutral","sentiment_score":0.029293719679117203}],"sentiment":"neutral","sentiment_score":0.029293719679117203,"channel":1,"num_words":1,"start":728.68,"end":729.18},{"sentences":[{"text":"are in there, and they make up your super.","start":728.68005,"end":730.92004,"sentiment":"neutral","sentiment_score":0.048191760977109276},{"text":"You know, some's in gold, some of them's in shares, some of them's in cash, some of them's in property.","start":730.92004,"end":736.68005,"sentiment":"neutral","sentiment_score":0.016571566165657713},{"text":"Does that make sense?","start":736.68005,"end":737.66003,"sentiment":"neutral","sentiment_score":0.0524885356426239}],"sentiment":"neutral","sentiment_score":0.029548827717504042,"channel":0,"num_words":33,"start":728.68005,"end":737.66003},{"sentences":[{"text":"Okay.","start":737.88,"end":738.04004,"sentiment":"neutral","sentiment_score":0.0884518176317215},{"text":"Yeah.","start":738.04004,"end":738.44,"sentiment":"neutral","sentiment_score":0.12968112528324127},{"text":"Yeah.","start":738.44,"end":738.94,"sentiment":"neutral","sentiment_score":0.1653291881084442}],"sentiment":"neutral","sentiment_score":0.12782071034113565,"channel":1,"num_words":3,"start":737.88,"end":738.94},{"sentences":[{"text":"Yeah.","start":739.0,"end":739.08,"sentiment":"neutral","sentiment_score":0.23541733622550964},{"text":"Yep.","start":739.08,"end":739.58,"sentiment":"positive","sentiment_score":0.33688580989837646},{"text":"Now out of all the eight options, six of them are doing fantastic.","start":739.88,"end":743.18005,"sentiment":"positive","sentiment_score":0.4981839656829834},{"text":"Your","start":744.005,"end":744.325,"sentiment":"neutral","sentiment_score":0.31940963864326477}],"sentiment":"positive","sentiment_score":0.46050652116537094,"channel":0,"num_words":16,"start":739.0,"end":744.325},{"sentences":[{"text":"Yep.","start":744.285,"end":744.785,"sentiment":"neutral","sentiment_score":0.2884555757045746}],"sentiment":"neutral","sentiment_score":0.2884555757045746,"channel":1,"num_words":1,"start":744.285,"end":744.785},{"sentences":[{"text":"your gold is up 60%.","start":744.325,"end":745.765,"sentiment":"positive","sentiment_score":0.4621955990791321},{"text":"It's like it's been a ridiculous year.","start":745.765,"end":748.02496,"sentiment":"positive","sentiment_score":0.5584781425339835}],"sentiment":"positive","sentiment_score":0.518360416094462,"channel":0,"num_words":12,"start":744.325,"end":748.02496},{"sentences":[{"text":"Yeah.","start":748.20496,"end":748.685,"sentiment":"neutral","sentiment_score":0.15763401985168457}],"sentiment":"neutral","sentiment_score":0.15763401985168457,"channel":1,"num_words":1,"start":748.20496,"end":748.685},{"sentences":[{"text":"But","start":748.40497,"end":748.90497,"sentiment":"neutral","sentiment_score":0.07977451384067535}],"sentiment":"neutral","sentiment_score":0.07977451384067535,"channel":0,"num_words":1,"start":748.40497,"end":748.90497},{"sentences":[{"text":"Yeah.","start":748.685,"end":749.005,"sentiment":"neutral","sentiment_score":0.12280624359846117},{"text":"Yeah.","start":749.005,"end":749.505,"sentiment":"neutral","sentiment_score":0.0826571136713028}],"sentiment":"neutral","sentiment_score":0.10273167863488197,"channel":1,"num_words":2,"start":748.685,"end":749.505},{"sentences":[{"text":"your Australian shares, like the ones that invest in, like, your Commonwealth Bank and your Rio Tinto and all of the companies in this country, that's sort of underperformed the Aussie market and the other","start":749.845,"end":762.93994,"sentiment":"neutral","sentiment_score":0.056320233110870636}],"sentiment":"neutral","sentiment_score":0.056320233110870636,"channel":0,"num_words":35,"start":749.845,"end":762.93994},{"sentences":[{"text":"Yeah.","start":762.66,"end":763.16,"sentiment":"neutral","sentiment_score":0.05375754460692406}],"sentiment":"neutral","sentiment_score":0.05375754460692406,"channel":1,"num_words":1,"start":762.66,"end":763.16},{"sentences":[{"text":"Australian funds that are out there.","start":762.93994,"end":764.95996,"sentiment":"neutral","sentiment_score":0.08372302974263827}],"sentiment":"neutral","sentiment_score":0.08372302974263827,"channel":0,"num_words":6,"start":762.93994,"end":764.95996},{"sentences":[{"text":"Yeah.","start":766.01996,"end":766.26996,"sentiment":"neutral","sentiment_score":0.018082033842802048},{"text":"Yeah.","start":766.26996,"end":766.76996,"sentiment":"neutral","sentiment_score":-0.011020395904779434}],"sentiment":"neutral","sentiment_score":0.0035308189690113068,"channel":1,"num_words":2,"start":766.01996,"end":766.76996},{"sentences":[{"text":"Normally, if it underperforms for a year, that's not really that big of a deal because it averages out, but this particular option has kind of been sort of under skirting for two years.","start":766.93994,"end":776.805,"sentiment":"neutral","sentiment_score":-0.28711508192560253}],"sentiment":"neutral","sentiment_score":-0.28711508192560253,"channel":0,"num_words":34,"start":766.93994,"end":776.805},{"sentences":[{"text":"Yeah.","start":777.495,"end":777.57495,"sentiment":"negative","sentiment_score":-0.3346826732158661},{"text":"I can't help.","start":777.57495,"end":778.555,"sentiment":"negative","sentiment_score":-0.5035092731316885}],"sentiment":"negative","sentiment_score":-0.46130262315273285,"channel":1,"num_words":4,"start":777.495,"end":778.555},{"sentences":[{"text":"So that's my my pinpoint to say, I'm gonna have to look at replacing this spend along option that you have.","start":778.625,"end":784.38,"sentiment":"negative","sentiment_score":-0.43845121207691373},{"text":"The rest of them are looking good, but that one in particular is kind of weighing you down a little bit.","start":784.54,"end":789.04,"sentiment":"negative","sentiment_score":-0.5141545108386448}],"sentiment":"negative","sentiment_score":-0.4763028614577793,"channel":0,"num_words":42,"start":778.625,"end":789.04},{"sentences":[{"text":"Yeah.","start":788.71,"end":789.19,"sentiment":"neutral","sentiment_score":-0.07702886313199997},{"text":"Yeah.","start":789.19,"end":789.58997,"sentiment":"neutral","sentiment_score":-0.03325100243091583},{"text":"Right.","start":789.58997,"end":790.07,"sentiment":"neutral","sentiment_score":-0.01327762007713318},{"text":"Yeah.","start":790.07,"end":790.57,"sentiment":"neutral","sentiment_score":0.002720363438129425}],"sentiment":"neutral","sentiment_score":-0.03020928055047989,"channel":1,"num_words":4,"start":788.71,"end":790.57},{"sentences":[{"text":"K?","start":791.18,"end":791.68,"sentiment":"neutral","sentiment_score":0.006403898820281029},{"text":"So I would actually recommend, like, if you're comfortable with just still growing your super as it has been and and still aiming for those average returns that we're looking for, I","start":791.74,"end":801.715,"sentiment":"neutral","sentiment_score":0.19367571733891964}],"sentiment":"neutral","sentiment_score":0.18800081374744573,"channel":0,"num_words":33,"start":791.18,"end":801.715},{"sentences":[{"text":"Yeah.","start":801.685,"end":802.185,"sentiment":"neutral","sentiment_score":0.055895477533340454}],"sentiment":"neutral","sentiment_score":0.055895477533340454,"channel":1,"num_words":1,"start":801.685,"end":802.185},{"sentences":[{"text":"would at least switch a few options around.","start":801.715,"end":803.635,"sentiment":"neutral","sentiment_score":-0.012359023094177246},{"text":"I wouldn't increase your risk or anything like that or put more money in, just kind of switch some options around for you.","start":803.635,"end":810.85504,"sentiment":"neutral","sentiment_score":-0.06567108501558719}],"sentiment":"neutral","sentiment_score":-0.051913133551997524,"channel":0,"num_words":31,"start":801.715,"end":810.85504},{"sentences":[{"text":"Yeah.","start":810.97,"end":811.29,"sentiment":"neutral","sentiment_score":0.1890544593334198}],"sentiment":"neutral","sentiment_score":0.1890544593334198,"channel":1,"num_words":1,"start":810.97,"end":811.29},{"sentences":[{"text":"Yep.","start":811.17,"end":811.67,"sentiment":"neutral","sentiment_score":0.21052448451519012}],"sentiment":"neutral","sentiment_score":0.21052448451519012,"channel":0,"num_words":1,"start":811.17,"end":811.67},{"sentences":[{"text":"Okay.","start":811.29,"end":811.76996,"sentiment":"neutral","sentiment_score":0.2307915240526199},{"text":"Yeah.","start":811.76996,"end":812.08997,"sentiment":"neutral","sentiment_score":0.29796263575553894},{"text":"If you believe yeah.","start":812.08997,"end":813.29,"sentiment":"positive","sentiment_score":0.344967246055603},{"text":"If you think that's what's gonna benefit me, definitely.","start":813.29,"end":816.11,"sentiment":"positive","sentiment_score":0.4610859784815047},{"text":"Yep.","start":816.17,"end":816.67,"sentiment":"neutral","sentiment_score":0.33074280619621277}],"sentiment":"positive","sentiment_score":0.39932123478502035,"channel":1,"num_words":16,"start":811.29,"end":816.67},{"sentences":[{"text":"And we already have a few in mind.","start":817.17,"end":820.61,"sentiment":"neutral","sentiment_score":0.29892359860241413},{"text":"Like, I've been talking to our investment committee about some options in that Australian space because I've noticed a little bit this year since we've come back from Christmas.","start":820.61,"end":828.505,"sentiment":"neutral","sentiment_score":0.24231875533687658}],"sentiment":"neutral","sentiment_score":0.2545576403672631,"channel":0,"num_words":37,"start":817.17,"end":828.505},{"sentences":[{"text":"Yeah.","start":829.29504,"end":829.79504,"sentiment":"neutral","sentiment_score":0.14172109961509705}],"sentiment":"neutral","sentiment_score":0.14172109961509705,"channel":1,"num_words":1,"start":829.29504,"end":829.79504},{"sentences":[{"text":"I do","start":829.685,"end":830.08496,"sentiment":"neutral","sentiment_score":0.09180542826652527}],"sentiment":"neutral","sentiment_score":0.09180542826652527,"channel":0,"num_words":2,"start":829.685,"end":830.08496},{"sentences":[{"text":"Mhmm.","start":829.95,"end":830.45,"sentiment":"neutral","sentiment_score":0.07504251599311829}],"sentiment":"neutral","sentiment_score":0.07504251599311829,"channel":1,"num_words":1,"start":829.95,"end":830.45},{"sentences":[{"text":"just have to ask you one question.","start":830.08496,"end":831.285,"sentiment":"neutral","sentiment_score":-0.010223619107689177},{"text":"There's no right or wrong answer for this.","start":831.285,"end":832.96497,"sentiment":"neutral","sentiment_score":-0.1774028893560171},{"text":"It's really just about that feeling because I can pick a good one either way.","start":832.96497,"end":836.7,"sentiment":"neutral","sentiment_score":0.1706805095076561}],"sentiment":"neutral","sentiment_score":0.03564730646709601,"channel":0,"num_words":30,"start":830.08496,"end":836.7},{"sentences":[{"text":"Yeah.","start":836.6625,"end":837.1625,"sentiment":"neutral","sentiment_score":0.07138640433549881}],"sentiment":"neutral","sentiment_score":0.07138640433549881,"channel":1,"num_words":1,"start":836.6625,"end":837.1625},{"sentences":[{"text":"And the question is, if you could choose between, like, the lowest fees or paying higher investment fees to try and get a higher return, which way do","start":838.06,"end":848.54004,"sentiment":"neutral","sentiment_score":0.024513887241482735}],"sentiment":"neutral","sentiment_score":0.024513887241482735,"channel":0,"num_words":28,"start":838.06,"end":848.54004},{"sentences":[{"text":"Yeah.","start":848.335,"end":848.835,"sentiment":"neutral","sentiment_score":0.07996126264333725}],"sentiment":"neutral","sentiment_score":0.07996126264333725,"channel":1,"num_words":1,"start":848.335,"end":848.835},{"sentences":[{"text":"you lean personally?","start":848.54004,"end":849.68,"sentiment":"neutral","sentiment_score":0.08443037420511246}],"sentiment":"neutral","sentiment_score":0.08443037420511246,"channel":0,"num_words":3,"start":848.54004,"end":849.68},{"sentences":[{"text":"What would your advice be?","start":858.42,"end":859.94,"sentiment":"neutral","sentiment_score":0.018995830416679384},{"text":"Like, considering that my age and whatnot, do you think I could afford a bit higher investments for better gain, or do you think I'm better off taking the soft safer option?","start":859.94,"end":870.76,"sentiment":"neutral","sentiment_score":-0.038876064179930836}],"sentiment":"neutral","sentiment_score":-0.03105553788309162,"channel":1,"num_words":37,"start":858.42,"end":870.76},{"sentences":[{"text":"Well, your that Benelon option that I'm looking at replacing, that's in an active space, which is that","start":871.28,"end":878.73505,"sentiment":"neutral","sentiment_score":0.00462543123608662}],"sentiment":"neutral","sentiment_score":0.00462543123608662,"channel":0,"num_words":18,"start":871.28,"end":878.73505},{"sentences":[{"text":"Yeah.","start":878.565,"end":879.065,"sentiment":"neutral","sentiment_score":-0.013093750923871994}],"sentiment":"neutral","sentiment_score":-0.013093750923871994,"channel":1,"num_words":1,"start":878.565,"end":879.065},{"sentences":[{"text":"kind of high fees to get the high returns, but","start":878.73505,"end":881.375,"sentiment":"neutral","sentiment_score":-0.09727131240069867}],"sentiment":"neutral","sentiment_score":-0.09727131240069867,"channel":0,"num_words":10,"start":878.73505,"end":881.375},{"sentences":[{"text":"Yeah.","start":881.285,"end":881.785,"sentiment":"neutral","sentiment_score":-0.06888632476329803}],"sentiment":"neutral","sentiment_score":-0.06888632476329803,"channel":1,"num_words":1,"start":881.285,"end":881.785},{"sentences":[{"text":"it hasn't actually done that, if that makes","start":881.375,"end":883.61505,"sentiment":"neutral","sentiment_score":-0.09104135818779469}],"sentiment":"neutral","sentiment_score":-0.09104135818779469,"channel":0,"num_words":8,"start":881.375,"end":883.61505},{"sentences":[{"text":"Yeah.","start":883.52496,"end":884.02496,"sentiment":"neutral","sentiment_score":0.007906097918748856}],"sentiment":"neutral","sentiment_score":0.007906097918748856,"channel":1,"num_words":1,"start":883.52496,"end":884.02496},{"sentences":[{"text":"sense.","start":883.61505,"end":884.11505,"sentiment":"neutral","sentiment_score":0.01827084645628929},{"text":"So","start":884.17505,"end":884.41504,"sentiment":"neutral","sentiment_score":0.04634249582886696}],"sentiment":"neutral","sentiment_score":0.032306671142578125,"channel":0,"num_words":2,"start":883.61505,"end":884.41504},{"sentences":[{"text":"I","start":884.40497,"end":884.90497,"sentiment":"neutral","sentiment_score":0.06447368860244751}],"sentiment":"neutral","sentiment_score":0.06447368860244751,"channel":1,"num_words":1,"start":884.40497,"end":884.90497},{"sentences":[{"text":"what I'm saying is I can keep it in the same style and replace","start":884.41504,"end":888.335,"sentiment":"neutral","sentiment_score":0.07807020204407829}],"sentiment":"neutral","sentiment_score":0.07807020204407829,"channel":0,"num_words":14,"start":884.41504,"end":888.335},{"sentences":[{"text":"yeah.","start":888.07,"end":888.57,"sentiment":"neutral","sentiment_score":0.062258344143629074}],"sentiment":"neutral","sentiment_score":0.062258344143629074,"channel":1,"num_words":1,"start":888.07,"end":888.57},{"sentences":[{"text":"it like for like with another active option that has actually done that.","start":888.335,"end":893.19,"sentiment":"neutral","sentiment_score":0.05933818249748303}],"sentiment":"neutral","sentiment_score":0.05933818249748303,"channel":0,"num_words":13,"start":888.335,"end":893.19},{"sentences":[{"text":"Yeah.","start":893.99,"end":894.15,"sentiment":"neutral","sentiment_score":0.09793636202812196},{"text":"Oh, okay.","start":894.15,"end":894.89,"sentiment":"neutral","sentiment_score":0.15225567668676376},{"text":"That's got better returns, but","start":895.03,"end":896.89,"sentiment":"neutral","sentiment_score":0.2816341072320938}],"sentiment":"neutral","sentiment_score":0.22632728144526482,"channel":1,"num_words":8,"start":893.99,"end":896.89},{"sentences":[{"text":"Yes.","start":897.27,"end":897.75,"sentiment":"neutral","sentiment_score":0.24649667739868164},{"text":"And slightly lower fees, similar,","start":897.75,"end":900.09,"sentiment":"neutral","sentiment_score":0.31333285570144653}],"sentiment":"neutral","sentiment_score":0.3021934926509857,"channel":0,"num_words":6,"start":897.27,"end":900.09},{"sentences":[{"text":"Yep.","start":899.68506,"end":899.765,"sentiment":"positive","sentiment_score":0.3715017437934875},{"text":"Yeah.","start":899.765,"end":900.265,"sentiment":"positive","sentiment_score":0.4536324143409729}],"sentiment":"positive","sentiment_score":0.4125670790672302,"channel":1,"num_words":2,"start":899.68506,"end":900.265},{"sentences":[{"text":"slightly slightly more affordable, but it's actually done really well over one, three, five, and ten years,","start":900.15,"end":905.61,"sentiment":"positive","sentiment_score":0.5140766448834363}],"sentiment":"positive","sentiment_score":0.5140766448834363,"channel":0,"num_words":17,"start":900.15,"end":905.61},{"sentences":[{"text":"Yep.","start":906.005,"end":906.505,"sentiment":"positive","sentiment_score":0.4724162518978119}],"sentiment":"positive","sentiment_score":0.4724162518978119,"channel":1,"num_words":1,"start":906.005,"end":906.505},{"sentences":[{"text":"and it would just be a straight upgrade and sidestep for you.","start":906.015,"end":909.715,"sentiment":"positive","sentiment_score":0.45076896250247955}],"sentiment":"positive","sentiment_score":0.45076896250247955,"channel":0,"num_words":12,"start":906.015,"end":909.715},{"sentences":[{"text":"Yeah.","start":910.245,"end":910.745,"sentiment":"neutral","sentiment_score":0.16763606667518616},{"text":"Yeah.","start":911.25,"end":911.49,"sentiment":"neutral","sentiment_score":0.1408577561378479},{"text":"Okay.","start":911.49,"end":911.99,"sentiment":"neutral","sentiment_score":0.13842102885246277},{"text":"Yeah.","start":912.05,"end":912.37,"sentiment":"neutral","sentiment_score":0.13635458052158356},{"text":"Well, I suppose, yeah, let's give it a go.","start":912.37,"end":915.11,"sentiment":"neutral","sentiment_score":0.15949250592125785}],"sentiment":"neutral","sentiment_score":0.15528476811372316,"channel":1,"num_words":13,"start":910.245,"end":915.11},{"sentences":[{"text":"Yep.","start":915.215,"end":915.715,"sentiment":"neutral","sentiment_score":0.1861804723739624},{"text":"And what it is, like, we we always do a bit of a blend.","start":916.015,"end":918.575,"sentiment":"neutral","sentiment_score":0.18849651302610124},{"text":"Like, you do have a mix of low fee options and and the active options.","start":918.575,"end":922.44,"sentiment":"neutral","sentiment_score":0.18061692714691163},{"text":"That's","start":922.98,"end":923.3,"sentiment":"neutral","sentiment_score":0.13848599791526794}],"sentiment":"neutral","sentiment_score":0.1829958567696233,"channel":0,"num_words":31,"start":915.215,"end":923.3},{"sentences":[{"text":"Yeah.","start":923.09,"end":923.59,"sentiment":"neutral","sentiment_score":0.15893235802650452}],"sentiment":"neutral","sentiment_score":0.15893235802650452,"channel":1,"num_words":1,"start":923.09,"end":923.59},{"sentences":[{"text":"kind of our view philosophy is having, like, we call it a current satellite.","start":923.3,"end":926.83997,"sentiment":"neutral","sentiment_score":0.1562929887856756},{"text":"You've got your steady ship in the middle and a few sled dogs that pull you along a little bit quicker.","start":926.98,"end":931.56,"sentiment":"neutral","sentiment_score":0.14926020694630487},{"text":"K?","start":931.635,"end":932.135,"sentiment":"neutral","sentiment_score":0.055543527007102966}],"sentiment":"neutral","sentiment_score":0.14939193655219343,"channel":0,"num_words":36,"start":923.3,"end":932.135},{"sentences":[{"text":"Yeah.","start":932.115,"end":932.515,"sentiment":"neutral","sentiment_score":0.06841579079627991},{"text":"Yeah.","start":932.515,"end":932.915,"sentiment":"neutral","sentiment_score":0.08185377717018127},{"text":"Alright.","start":932.915,"end":933.415,"sentiment":"neutral","sentiment_score":0.13678142428398132},{"text":"Yep.","start":933.475,"end":933.975,"sentiment":"neutral","sentiment_score":0.17225992679595947}],"sentiment":"neutral","sentiment_score":0.1148277297616005,"channel":1,"num_words":4,"start":932.115,"end":933.975},{"sentences":[{"text":"So all I'm saying is if there's no major issue where you're like, look, I wanna completely overhaul everything and go completely different style, then","start":933.47504,"end":940.695,"sentiment":"neutral","sentiment_score":0.08731673046946525}],"sentiment":"neutral","sentiment_score":0.08731673046946525,"channel":0,"num_words":25,"start":933.47504,"end":940.695},{"sentences":[{"text":"Yeah.","start":940.26,"end":940.76,"sentiment":"neutral","sentiment_score":0.10091963410377502}],"sentiment":"neutral","sentiment_score":0.10091963410377502,"channel":1,"num_words":1,"start":940.26,"end":940.76},{"sentences":[{"text":"I can just fix it up a little bit, and you should","start":940.835,"end":943.555,"sentiment":"neutral","sentiment_score":0.12104041253527005}],"sentiment":"neutral","sentiment_score":0.12104041253527005,"channel":0,"num_words":12,"start":940.835,"end":943.555},{"sentences":[{"text":"Yeah.","start":943.46,"end":943.96,"sentiment":"neutral","sentiment_score":0.17266565561294556}],"sentiment":"neutral","sentiment_score":0.17266565561294556,"channel":1,"num_words":1,"start":943.46,"end":943.96},{"sentences":[{"text":"be right.","start":943.555,"end":944.13,"sentiment":"neutral","sentiment_score":0.23429519683122635}],"sentiment":"neutral","sentiment_score":0.23429519683122635,"channel":0,"num_words":2,"start":943.555,"end":944.13},{"sentences":[{"text":"If you, yeah, if you can twerk it just to get a little bit more, like, that percentage, that 1% up a bit, that'd be awesome.","start":944.58,"end":951.56006,"sentiment":"neutral","sentiment_score":0.3158422691317705},{"text":"Yeah.","start":951.62006,"end":952.12006,"sentiment":"positive","sentiment_score":0.36179858446121216}],"sentiment":"neutral","sentiment_score":0.3175443548847128,"channel":1,"num_words":27,"start":944.58,"end":952.12006},{"sentences":[{"text":"Perfect.","start":951.89,"end":952.39,"sentiment":"positive","sentiment_score":0.4801422357559204},{"text":"And the only other","start":952.45,"end":953.25,"sentiment":"neutral","sentiment_score":0.15376157499849796}],"sentiment":"neutral","sentiment_score":0.21903770714998244,"channel":0,"num_words":5,"start":951.89,"end":953.25},{"sentences":[{"text":"Because","start":953.065,"end":953.385,"sentiment":"neutral","sentiment_score":0.061490438878536224}],"sentiment":"neutral","sentiment_score":0.061490438878536224,"channel":1,"num_words":1,"start":953.065,"end":953.385},{"sentences":[{"text":"one","start":953.25,"end":953.41003,"sentiment":"neutral","sentiment_score":0.07649111747741699}],"sentiment":"neutral","sentiment_score":0.07649111747741699,"channel":0,"num_words":1,"start":953.25,"end":953.41003},{"sentences":[{"text":"I","start":953.385,"end":953.545,"sentiment":"neutral","sentiment_score":0.06062464043498039}],"sentiment":"neutral","sentiment_score":0.06062464043498039,"channel":1,"num_words":1,"start":953.385,"end":953.545},{"sentences":[{"text":"that","start":953.41003,"end":953.57,"sentiment":"neutral","sentiment_score":0.07450494170188904}],"sentiment":"neutral","sentiment_score":0.07450494170188904,"channel":0,"num_words":1,"start":953.41003,"end":953.57},{"sentences":[{"text":"think","start":953.545,"end":953.785,"sentiment":"neutral","sentiment_score":0.05974031612277031}],"sentiment":"neutral","sentiment_score":0.05974031612277031,"channel":1,"num_words":1,"start":953.545,"end":953.785},{"sentences":[{"text":"I've noted","start":953.57,"end":954.23,"sentiment":"neutral","sentiment_score":0.09746609255671501}],"sentiment":"neutral","sentiment_score":0.09746609255671501,"channel":0,"num_words":2,"start":953.57,"end":954.23},{"sentences":[{"text":"in my initial call, they were looking at getting, like, 11 to 15% or something.","start":953.785,"end":959.385,"sentiment":"neutral","sentiment_score":0.08960835089286169},{"text":"Like","start":959.385,"end":959.885,"sentiment":"neutral","sentiment_score":0.04757598042488098}],"sentiment":"neutral","sentiment_score":0.08698132773861289,"channel":1,"num_words":16,"start":953.785,"end":959.885},{"sentences":[{"text":"yeah.","start":960.465,"end":960.78503,"sentiment":"neutral","sentiment_score":0.0759374275803566}],"sentiment":"neutral","sentiment_score":0.0759374275803566,"channel":0,"num_words":1,"start":960.465,"end":960.78503},{"sentences":[{"text":"so","start":960.505,"end":961.005,"sentiment":"neutral","sentiment_score":0.05935785919427872}],"sentiment":"neutral","sentiment_score":0.05935785919427872,"channel":1,"num_words":1,"start":960.505,"end":961.005},{"sentences":[{"text":"And some of our portfolios have been doing that sort of 12 to 14, especially","start":960.78503,"end":964.965,"sentiment":"neutral","sentiment_score":0.11220112244288126}],"sentiment":"neutral","sentiment_score":0.11220112244288126,"channel":0,"num_words":15,"start":960.78503,"end":964.965},{"sentences":[{"text":"yeah.","start":964.505,"end":965.005,"sentiment":"neutral","sentiment_score":0.11393306404352188}],"sentiment":"neutral","sentiment_score":0.11393306404352188,"channel":1,"num_words":1,"start":964.505,"end":965.005},{"sentences":[{"text":"given what's been happening recently.","start":965.025,"end":966.625,"sentiment":"neutral","sentiment_score":0.034604412689805034},{"text":"So I wanna try and just get it up there.","start":966.625,"end":968.645,"sentiment":"positive","sentiment_score":0.4744700610637665}],"sentiment":"neutral","sentiment_score":0.327848178272446,"channel":0,"num_words":15,"start":965.025,"end":968.645},{"sentences":[{"text":"Yeah.","start":969.05,"end":969.55,"sentiment":"neutral","sentiment_score":0.14962834119796753}],"sentiment":"neutral","sentiment_score":0.14962834119796753,"channel":1,"num_words":1,"start":969.05,"end":969.55},{"sentences":[{"text":"When I mentioned that benchmark of eight to nine, it's just the average for your risk level.","start":969.265,"end":974.14,"sentiment":"neutral","sentiment_score":0.04829629072371651}],"sentiment":"neutral","sentiment_score":0.04829629072371651,"channel":0,"num_words":17,"start":969.265,"end":974.14},{"sentences":[{"text":"Yeah.","start":974.49,"end":974.73,"sentiment":"neutral","sentiment_score":0.06007416173815727},{"text":"Yeah.","start":974.73,"end":975.13,"sentiment":"neutral","sentiment_score":0.06973056495189667},{"text":"Okay.","start":975.13,"end":975.52997,"sentiment":"neutral","sentiment_score":0.11117756366729736}],"sentiment":"neutral","sentiment_score":0.0803274301191171,"channel":1,"num_words":3,"start":974.49,"end":975.52997},{"sentences":[{"text":"That's","start":975.48,"end":975.8,"sentiment":"neutral","sentiment_score":0.07514633238315582}],"sentiment":"neutral","sentiment_score":0.07514633238315582,"channel":0,"num_words":1,"start":975.48,"end":975.8},{"sentences":[{"text":"Yeah.","start":975.52997,"end":975.85,"sentiment":"neutral","sentiment_score":0.01462707482278347}],"sentiment":"neutral","sentiment_score":0.01462707482278347,"channel":1,"num_words":1,"start":975.52997,"end":975.85},{"sentences":[{"text":"not","start":975.8,"end":975.96,"sentiment":"neutral","sentiment_score":-0.07818196713924408}],"sentiment":"neutral","sentiment_score":-0.07818196713924408,"channel":0,"num_words":1,"start":975.8,"end":975.96},{"sentences":[{"text":"Yep.","start":975.85,"end":976.35,"sentiment":"neutral","sentiment_score":-0.06267809122800827}],"sentiment":"neutral","sentiment_score":-0.06267809122800827,"channel":1,"num_words":1,"start":975.85,"end":976.35},{"sentences":[{"text":"to say that we're not aiming for ten, twelve, fourteen, sixteen.","start":975.96,"end":978.86,"sentiment":"neutral","sentiment_score":-0.06808442012830214},{"text":"It just means","start":979.08,"end":979.72003,"sentiment":"neutral","sentiment_score":-0.017820215473572414}],"sentiment":"neutral","sentiment_score":-0.05731351913086006,"channel":0,"num_words":14,"start":975.96,"end":979.72003},{"sentences":[{"text":"Yeah.","start":979.69,"end":980.19,"sentiment":"neutral","sentiment_score":0.03385777771472931}],"sentiment":"neutral","sentiment_score":0.03385777771472931,"channel":1,"num_words":1,"start":979.69,"end":980.19},{"sentences":[{"text":"that you need that eight to nine to be on track for retirement.","start":979.72003,"end":983.34,"sentiment":"neutral","sentiment_score":0.09153533870211014}],"sentiment":"neutral","sentiment_score":0.09153533870211014,"channel":0,"num_words":13,"start":979.72003,"end":983.34},{"sentences":[{"text":"Yeah.","start":984.405,"end":984.905,"sentiment":"neutral","sentiment_score":0.13690069317817688},{"text":"Okay.","start":984.965,"end":985.285,"sentiment":"neutral","sentiment_score":0.1787180453538895},{"text":"Let's do that.","start":985.285,"end":986.085,"sentiment":"neutral","sentiment_score":0.17490566273530325},{"text":"Yeah.","start":986.085,"end":986.405,"sentiment":"neutral","sentiment_score":0.07428853213787079},{"text":"No.","start":986.405,"end":986.645,"sentiment":"neutral","sentiment_score":0.06922268867492676}],"sentiment":"neutral","sentiment_score":0.1405495639358248,"channel":1,"num_words":7,"start":984.405,"end":986.645},{"sentences":[{"text":"Definitely.","start":986.645,"end":987.145,"sentiment":"neutral","sentiment_score":0.32480382919311523}],"sentiment":"neutral","sentiment_score":0.32480382919311523,"channel":1,"num_words":1,"start":986.645,"end":987.145},{"sentences":[{"text":"Cool.","start":987.495,"end":987.815,"sentiment":"positive","sentiment_score":0.4281165301799774},{"text":"And the other strange thing that I've noticed, this is kind of the first time I've seen this, is you have some","start":987.815,"end":993.655,"sentiment":"neutral","sentiment_score":-0.03151981574906544}],"sentiment":"neutral","sentiment_score":-0.011535626795628796,"channel":0,"num_words":23,"start":987.495,"end":993.655},{"sentences":[{"text":"Mhmm.","start":993.6,"end":994.1,"sentiment":"neutral","sentiment_score":-0.02327415347099304}],"sentiment":"neutral","sentiment_score":-0.02327415347099304,"channel":1,"num_words":1,"start":993.6,"end":994.1},{"sentences":[{"text":"American shares, which the American shares have done really well the last twelve months.","start":993.655,"end":998.215,"sentiment":"neutral","sentiment_score":0.17260382045060396},{"text":"They're up, like, 16%.","start":998.215,"end":1000.13,"sentiment":"neutral","sentiment_score":0.1495940461754799}],"sentiment":"neutral","sentiment_score":0.16749053727835417,"channel":0,"num_words":18,"start":993.655,"end":1000.13},{"sentences":[{"text":"Yep.","start":1000.7325,"end":1001.2325,"sentiment":"neutral","sentiment_score":0.05199771374464035}],"sentiment":"neutral","sentiment_score":0.05199771374464035,"channel":1,"num_words":1,"start":1000.7325,"end":1001.2325},{"sentences":[{"text":"But this option that you've got, they've put it in, like, US dollars.","start":1001.23,"end":1008.37,"sentiment":"neutral","sentiment_score":-0.14186638966202736},{"text":"And I don't know if you've seen recently, it's very strange, but the US dollar has gone kind of down given","start":1008.91,"end":1014.755,"sentiment":"neutral","sentiment_score":-0.2849129793189821}],"sentiment":"neutral","sentiment_score":-0.23021869503838174,"channel":0,"num_words":34,"start":1001.23,"end":1014.755},{"sentences":[{"text":"Yeah.","start":1014.745,"end":1015.245,"sentiment":"neutral","sentiment_score":-0.1874007284641266}],"sentiment":"neutral","sentiment_score":-0.1874007284641266,"channel":1,"num_words":1,"start":1014.745,"end":1015.245},{"sentences":[{"text":"what Trump's been up to compared to the Australian dollar.","start":1014.755,"end":1017.815,"sentiment":"neutral","sentiment_score":-0.24172178655862808}],"sentiment":"neutral","sentiment_score":-0.24172178655862808,"channel":0,"num_words":10,"start":1014.755,"end":1017.815},{"sentences":[{"text":"Yeah.","start":1018.665,"end":1019.165,"sentiment":"neutral","sentiment_score":-0.060719192028045654}],"sentiment":"neutral","sentiment_score":-0.060719192028045654,"channel":1,"num_words":1,"start":1018.665,"end":1019.165},{"sentences":[{"text":"So it's","start":1018.995,"end":1019.395,"sentiment":"neutral","sentiment_score":-0.07225487940013409}],"sentiment":"neutral","sentiment_score":-0.07225487940013409,"channel":0,"num_words":2,"start":1018.995,"end":1019.395},{"sentences":[{"text":"Yeah.","start":1019.385,"end":1019.545,"sentiment":"neutral","sentiment_score":-0.051834531128406525}],"sentiment":"neutral","sentiment_score":-0.051834531128406525,"channel":1,"num_words":1,"start":1019.385,"end":1019.545},{"sentences":[{"text":"actually","start":1019.395,"end":1019.715,"sentiment":"neutral","sentiment_score":-0.07072306424379349}],"sentiment":"neutral","sentiment_score":-0.07072306424379349,"channel":0,"num_words":1,"start":1019.395,"end":1019.715},{"sentences":[{"text":"Okay.","start":1019.545,"end":1020.045,"sentiment":"neutral","sentiment_score":-0.10925646126270294}],"sentiment":"neutral","sentiment_score":-0.10925646126270294,"channel":1,"num_words":1,"start":1019.545,"end":1020.045},{"sentences":[{"text":"messed with your performance on that one option just because it's in a different currency.","start":1019.715,"end":1023.65497,"sentiment":"neutral","sentiment_score":-0.28462978899478913}],"sentiment":"neutral","sentiment_score":-0.28462978899478913,"channel":0,"num_words":15,"start":1019.715,"end":1023.65497},{"sentences":[{"text":"Yeah.","start":1025.11,"end":1025.51,"sentiment":"neutral","sentiment_score":-0.053083062171936035},{"text":"Right.","start":1025.51,"end":1026.01,"sentiment":"neutral","sentiment_score":-0.03288578987121582},{"text":"Yeah.","start":1026.0701,"end":1026.5701,"sentiment":"neutral","sentiment_score":-0.026050277054309845}],"sentiment":"neutral","sentiment_score":-0.0373397096991539,"channel":1,"num_words":3,"start":1025.11,"end":1026.5701},{"sentences":[{"text":"So what I'm gonna do is I'm just gonna have a talk to the investment committee about whether we can kind of we call it hedging, and it switches the currency around.","start":1026.7699,"end":1034.9299,"sentiment":"neutral","sentiment_score":0.0383642025408335},{"text":"A little bit of a trick under the hood for you.","start":1034.9299,"end":1037.01,"sentiment":"neutral","sentiment_score":0.014220671220259233},{"text":"But at the","start":1037.01,"end":1037.49,"sentiment":"neutral","sentiment_score":-0.00925403336683909}],"sentiment":"neutral","sentiment_score":0.029485212274543617,"channel":0,"num_words":46,"start":1026.7699,"end":1037.49},{"sentences":[{"text":"Yep.","start":1037.3351,"end":1037.8151,"sentiment":"neutral","sentiment_score":0.04210289940237999}],"sentiment":"neutral","sentiment_score":0.04210289940237999,"channel":1,"num_words":1,"start":1037.3351,"end":1037.8151},{"sentences":[{"text":"very least,","start":1037.49,"end":1038.13,"sentiment":"neutral","sentiment_score":-0.01513947919011116}],"sentiment":"neutral","sentiment_score":-0.01513947919011116,"channel":0,"num_words":2,"start":1037.49,"end":1038.13},{"sentences":[{"text":"Yep.","start":1037.8151,"end":1038.3151,"sentiment":"neutral","sentiment_score":0.09303655475378036}],"sentiment":"neutral","sentiment_score":0.09303655475378036,"channel":1,"num_words":1,"start":1037.8151,"end":1038.3151},{"sentences":[{"text":"we'll get that Benelon switched out with somebody better.","start":1038.13,"end":1040.7899,"sentiment":"neutral","sentiment_score":-0.033177591032452054}],"sentiment":"neutral","sentiment_score":-0.033177591032452054,"channel":0,"num_words":9,"start":1038.13,"end":1040.7899},{"sentences":[{"text":"Yeah.","start":1041.415,"end":1041.735,"sentiment":"neutral","sentiment_score":0.06562868505716324},{"text":"Okay.","start":1041.735,"end":1042.2151,"sentiment":"neutral","sentiment_score":0.06876309216022491},{"text":"Yep.","start":1042.2151,"end":1042.615,"sentiment":"neutral","sentiment_score":0.07791481167078018},{"text":"Yeah.","start":1042.615,"end":1042.935,"sentiment":"neutral","sentiment_score":0.058411840349435806},{"text":"No.","start":1042.935,"end":1043.175,"sentiment":"neutral","sentiment_score":-0.009532753378152847}],"sentiment":"neutral","sentiment_score":0.052237135171890256,"channel":1,"num_words":5,"start":1041.415,"end":1043.175},{"sentences":[{"text":"Definitely.","start":1043.175,"end":1043.675,"sentiment":"neutral","sentiment_score":0.14400087296962738},{"text":"Yep.","start":1043.9751,"end":1044.4751,"sentiment":"neutral","sentiment_score":0.23430612683296204}],"sentiment":"neutral","sentiment_score":0.1891534999012947,"channel":1,"num_words":2,"start":1043.175,"end":1044.4751},{"sentences":[{"text":"Cool.","start":1044.805,"end":1045.305,"sentiment":"positive","sentiment_score":0.43955716490745544},{"text":"Now while I do this, when we do these changes, we put it in a statement of advice again just to give you an update on, like, here in writing, this is your new portfolio we're recommending and why, and then you can","start":1045.3651,"end":1055.64,"sentiment":"neutral","sentiment_score":0.20674821734428406}],"sentiment":"neutral","sentiment_score":0.21203932978890158,"channel":0,"num_words":44,"start":1044.805,"end":1055.64},{"sentences":[{"text":"Yep.","start":1055.53,"end":1056.03,"sentiment":"neutral","sentiment_score":0.08538736402988434}],"sentiment":"neutral","sentiment_score":0.08538736402988434,"channel":1,"num_words":1,"start":1055.53,"end":1056.03},{"sentences":[{"text":"kind of read off and sign if you're comfortable.","start":1055.64,"end":1057.66,"sentiment":"neutral","sentiment_score":0.06630144889156024}],"sentiment":"neutral","sentiment_score":0.06630144889156024,"channel":0,"num_words":9,"start":1055.64,"end":1057.66},{"sentences":[{"text":"Yep.","start":1058.25,"end":1058.75,"sentiment":"neutral","sentiment_score":0.11247457563877106},{"text":"Okay.","start":1058.8099,"end":1059.29,"sentiment":"neutral","sentiment_score":0.14941120147705078},{"text":"Yep.","start":1059.29,"end":1059.69,"sentiment":"neutral","sentiment_score":0.18793392181396484},{"text":"Sweet.","start":1059.69,"end":1060.1699,"sentiment":"positive","sentiment_score":0.43687203526496887},{"text":"Yep.","start":1060.1699,"end":1060.6699,"sentiment":"neutral","sentiment_score":-0.006735437549650669}],"sentiment":"neutral","sentiment_score":0.175991259329021,"channel":1,"num_words":5,"start":1058.25,"end":1060.6699},{"sentences":[{"text":"So, Kim, the last thing I wanna do just before I let you go is when I put this statement of advice together, I just wanna make sure you haven't had any major changes in the details.","start":1060.76,"end":1069.42,"sentiment":"neutral","sentiment_score":-0.004187883255449501}],"sentiment":"neutral","sentiment_score":-0.004187883255449501,"channel":0,"num_words":37,"start":1060.76,"end":1069.42},{"sentences":[{"text":"Yep.","start":1068.965,"end":1069.465,"sentiment":"neutral","sentiment_score":0.10939836502075195},{"text":"Yep.","start":1070.4049,"end":1070.9049,"sentiment":"neutral","sentiment_score":0.1868339627981186}],"sentiment":"neutral","sentiment_score":0.14811616390943527,"channel":1,"num_words":2,"start":1068.965,"end":1070.9049},{"sentences":[{"text":"Cool.","start":1071.265,"end":1071.5851,"sentiment":"positive","sentiment_score":0.46169960498809814},{"text":"So I'm just gonna power through these real quick.","start":1071.5851,"end":1073.985,"sentiment":"positive","sentiment_score":0.3852185077137417},{"text":"Just let me know","start":1073.985,"end":1074.625,"sentiment":"neutral","sentiment_score":0.16330821439623833}],"sentiment":"neutral","sentiment_score":0.3272785022854805,"channel":0,"num_words":14,"start":1071.265,"end":1074.625},{"sentences":[{"text":"Yep.","start":1074.56,"end":1075.06,"sentiment":"neutral","sentiment_score":0.09937003254890442}],"sentiment":"neutral","sentiment_score":0.09937003254890442,"channel":1,"num_words":1,"start":1074.56,"end":1075.06},{"sentences":[{"text":"if anything's changed.","start":1074.625,"end":1075.685,"sentiment":"neutral","sentiment_score":0.05943778157234192}],"sentiment":"neutral","sentiment_score":0.05943778157234192,"channel":0,"num_words":3,"start":1074.625,"end":1075.685},{"sentences":[{"text":"Okay.","start":1076.16,"end":1076.48,"sentiment":"neutral","sentiment_score":0.23259413242340088},{"text":"Cool.","start":1076.48,"end":1076.8,"sentiment":"positive","sentiment_score":0.346127450466156},{"text":"Yep.","start":1076.8,"end":1077.3,"sentiment":"neutral","sentiment_score":0.16764728724956512}],"sentiment":"neutral","sentiment_score":0.24878962337970734,"channel":1,"num_words":3,"start":1076.16,"end":1077.3},{"sentences":[{"text":"Alright.","start":1077.025,"end":1077.345,"sentiment":"neutral","sentiment_score":0.18920646607875824},{"text":"So phone number's still the same.","start":1077.345,"end":1078.9451,"sentiment":"neutral","sentiment_score":0.11408781011899312},{"text":"Your Outlook address, Kim dot Brooks, is still current.","start":1078.9451,"end":1081.845,"sentiment":"neutral","sentiment_score":0.11397912684414122}],"sentiment":"neutral","sentiment_score":0.11872159177437425,"channel":0,"num_words":16,"start":1077.025,"end":1081.845},{"sentences":[{"text":"Yep.","start":1082.4,"end":1082.9,"sentiment":"neutral","sentiment_score":0.04635429382324219}],"sentiment":"neutral","sentiment_score":0.04635429382324219,"channel":1,"num_words":1,"start":1082.4,"end":1082.9},{"sentences":[{"text":"Yep.","start":1083.12,"end":1083.4401,"sentiment":"neutral","sentiment_score":0.03525853157043457}],"sentiment":"neutral","sentiment_score":0.03525853157043457,"channel":0,"num_words":1,"start":1083.12,"end":1083.4401},{"sentences":[{"text":"Yep.","start":1083.2001,"end":1083.7001,"sentiment":"neutral","sentiment_score":0.03081030771136284}],"sentiment":"neutral","sentiment_score":0.03081030771136284,"channel":1,"num_words":1,"start":1083.2001,"end":1083.7001},{"sentences":[{"text":"Marital status, still single.","start":1083.4401,"end":1085.06,"sentiment":"neutral","sentiment_score":0.03575873654335737}],"sentiment":"neutral","sentiment_score":0.03575873654335737,"channel":0,"num_words":4,"start":1083.4401,"end":1085.06},{"sentences":[{"text":"Yep.","start":1085.76,"end":1086.26,"sentiment":"neutral","sentiment_score":0.04921692609786987}],"sentiment":"neutral","sentiment_score":0.04921692609786987,"channel":1,"num_words":1,"start":1085.76,"end":1086.26},{"sentences":[{"text":"The two boys.","start":1086.4801,"end":1087.62,"sentiment":"neutral","sentiment_score":0.04384883617361387}],"sentiment":"neutral","sentiment_score":0.04384883617361387,"channel":0,"num_words":3,"start":1086.4801,"end":1087.62},{"sentences":[{"text":"Yep.","start":1088.9349,"end":1089.4349,"sentiment":"neutral","sentiment_score":0.05725698918104172}],"sentiment":"neutral","sentiment_score":0.05725698918104172,"channel":1,"num_words":1,"start":1088.9349,"end":1089.4349},{"sentences":[{"text":"We've got occupation wise technical officer for the","start":1090.0,"end":1094.4,"sentiment":"neutral","sentiment_score":0.05868297256529331}],"sentiment":"neutral","sentiment_score":0.05868297256529331,"channel":0,"num_words":8,"start":1090.0,"end":1094.4},{"sentences":[{"text":"Yep.","start":1094.375,"end":1094.875,"sentiment":"neutral","sentiment_score":0.05995642766356468}],"sentiment":"neutral","sentiment_score":0.05995642766356468,"channel":1,"num_words":1,"start":1094.375,"end":1094.875},{"sentences":[{"text":"Townsville City Council.","start":1094.4,"end":1095.7001,"sentiment":"neutral","sentiment_score":0.06629896660645802}],"sentiment":"neutral","sentiment_score":0.06629896660645802,"channel":0,"num_words":3,"start":1094.4,"end":1095.7001},{"sentences":[{"text":"Yep.","start":1096.375,"end":1096.875,"sentiment":"neutral","sentiment_score":0.1550077199935913}],"sentiment":"neutral","sentiment_score":0.1550077199935913,"channel":1,"num_words":1,"start":1096.375,"end":1096.875},{"sentences":[{"text":"Perfect.","start":1097.645,"end":1098.145,"sentiment":"positive","sentiment_score":0.40064722299575806},{"text":"Around about 80,500 per year in income, would you say?","start":1099.165,"end":1103.265,"sentiment":"neutral","sentiment_score":0.16078224182128906}],"sentiment":"neutral","sentiment_score":0.18258814920078625,"channel":0,"num_words":11,"start":1097.645,"end":1103.265},{"sentences":[{"text":"Yeah.","start":1103.85,"end":1104.3301,"sentiment":"neutral","sentiment_score":0.07262933999300003},{"text":"Yeah.","start":1104.3301,"end":1104.8301,"sentiment":"neutral","sentiment_score":0.08546170592308044}],"sentiment":"neutral","sentiment_score":0.07904552295804024,"channel":1,"num_words":2,"start":1103.85,"end":1104.8301},{"sentences":[{"text":"Yep.","start":1105.325,"end":1105.725,"sentiment":"neutral","sentiment_score":0.12701621651649475},{"text":"Perfect.","start":1105.725,"end":1106.225,"sentiment":"neutral","sentiment_score":0.27844560146331787}],"sentiment":"neutral","sentiment_score":0.2027309089899063,"channel":0,"num_words":2,"start":1105.325,"end":1106.225},{"sentences":[{"text":"Maybe a little bit more.","start":1105.77,"end":1107.13,"sentiment":"neutral","sentiment_score":0.10696981400251389},{"text":"But yeah.","start":1107.13,"end":1107.9501,"sentiment":"neutral","sentiment_score":0.03990798816084862},{"text":"I'd say that's my base.","start":1108.09,"end":1109.79,"sentiment":"neutral","sentiment_score":0.10145241841673851}],"sentiment":"neutral","sentiment_score":0.0934939282014966,"channel":1,"num_words":12,"start":1105.77,"end":1109.79},{"sentences":[{"text":"That's your base.","start":1110.38,"end":1111.18,"sentiment":"neutral","sentiment_score":0.12358958274126053},{"text":"Okay.","start":1111.18,"end":1111.34,"sentiment":"neutral","sentiment_score":0.06744535267353058},{"text":"And then do you do, like, a bit of overtime that kind of pulls you above that a little bit?","start":1111.34,"end":1115.04,"sentiment":"neutral","sentiment_score":0.0317366904579103}],"sentiment":"neutral","sentiment_score":0.04470616291897992,"channel":0,"num_words":24,"start":1110.38,"end":1115.04},{"sentences":[{"text":"Yeah.","start":1114.985,"end":1115.485,"sentiment":"neutral","sentiment_score":0.04811381176114082},{"text":"Yep.","start":1115.545,"end":1116.045,"sentiment":"neutral","sentiment_score":0.06495444476604462},{"text":"Yep.","start":1116.105,"end":1116.605,"sentiment":"neutral","sentiment_score":0.08835419267416},{"text":"I think I've been hitting around the 100 mark each year just with overtime and whatnot.","start":1116.665,"end":1122.525,"sentiment":"neutral","sentiment_score":0.1314599486067891},{"text":"So","start":1122.665,"end":1123.165,"sentiment":"neutral","sentiment_score":0.2790173292160034}],"sentiment":"neutral","sentiment_score":0.12918994780629872,"channel":1,"num_words":20,"start":1114.985,"end":1123.165},{"sentences":[{"text":"Cool.","start":1123.995,"end":1124.235,"sentiment":"positive","sentiment_score":0.37183433771133423},{"text":"So base salary is there and maybe close to 100,000 for","start":1124.235,"end":1129.355,"sentiment":"neutral","sentiment_score":0.1772149076515978}],"sentiment":"neutral","sentiment_score":0.19343319348990917,"channel":0,"num_words":12,"start":1123.995,"end":1129.355},{"sentences":[{"text":"yeah.","start":1129.14,"end":1129.64,"sentiment":"neutral","sentiment_score":0.175441712141037}],"sentiment":"neutral","sentiment_score":0.175441712141037,"channel":1,"num_words":1,"start":1129.14,"end":1129.64},{"sentences":[{"text":"the overall.","start":1129.355,"end":1130.0951,"sentiment":"neutral","sentiment_score":0.12428047508001328}],"sentiment":"neutral","sentiment_score":0.12428047508001328,"channel":0,"num_words":2,"start":1129.355,"end":1130.0951},{"sentences":[{"text":"Yep.","start":1130.58,"end":1131.08,"sentiment":"neutral","sentiment_score":0.12363600730895996}],"sentiment":"neutral","sentiment_score":0.12363600730895996,"channel":1,"num_words":1,"start":1130.58,"end":1131.08},{"sentences":[{"text":"Perfect.","start":1132.17,"end":1132.67,"sentiment":"neutral","sentiment_score":0.25632062554359436},{"text":"You're still in Laguna Avenue address wise?","start":1133.8501,"end":1136.91,"sentiment":"neutral","sentiment_score":0.0751962528697082}],"sentiment":"neutral","sentiment_score":0.09783679945394397,"channel":0,"num_words":8,"start":1132.17,"end":1136.91},{"sentences":[{"text":"Yep.","start":1137.38,"end":1137.88,"sentiment":"neutral","sentiment_score":0.08963203430175781}],"sentiment":"neutral","sentiment_score":0.08963203430175781,"channel":1,"num_words":1,"start":1137.38,"end":1137.88},{"sentences":[{"text":"Cool.","start":1138.65,"end":1139.15,"sentiment":"neutral","sentiment_score":0.20415332913398743},{"text":"We've got the Toyota Hilux was your main asset valued at around 45,000.","start":1140.0901,"end":1146.1901,"sentiment":"neutral","sentiment_score":0.17195146817427415},{"text":"Do you have any other new assets or loans or anything?","start":1147.7749,"end":1150.4349,"sentiment":"neutral","sentiment_score":0.045056832784956154},{"text":"Credit cards, personal loans?","start":1150.495,"end":1152.2749,"sentiment":"neutral","sentiment_score":0.007571510737761855}],"sentiment":"neutral","sentiment_score":0.10225633168914194,"channel":0,"num_words":29,"start":1138.65,"end":1152.2749},{"sentences":[{"text":"No.","start":1152.855,"end":1153.175,"sentiment":"neutral","sentiment_score":-0.09607766568660736},{"text":"No.","start":1153.175,"end":1153.495,"sentiment":"neutral","sentiment_score":-0.1171782612800598},{"text":"Nothing.","start":1153.495,"end":1153.895,"sentiment":"neutral","sentiment_score":-0.10767248272895812},{"text":"I paid all that out.","start":1153.895,"end":1155.39,"sentiment":"neutral","sentiment_score":-0.0021094910800457},{"text":"So","start":1156.91,"end":1156.99,"sentiment":"neutral","sentiment_score":0.26475292444229126}],"sentiment":"neutral","sentiment_score":-0.007413660072618061,"channel":1,"num_words":9,"start":1152.855,"end":1156.99},{"sentences":[{"text":"Perfect.","start":1157.0549,"end":1157.5549,"sentiment":"neutral","sentiment_score":0.28669342398643494}],"sentiment":"neutral","sentiment_score":0.28669342398643494,"channel":0,"num_words":1,"start":1157.0549,"end":1157.5549},{"sentences":[{"text":"no.","start":1157.0701,"end":1157.5701,"sentiment":"neutral","sentiment_score":0.0006480962038040161}],"sentiment":"neutral","sentiment_score":0.0006480962038040161,"channel":1,"num_words":1,"start":1157.0701,"end":1157.5701},{"sentences":[{"text":"Was there a note here that you were looking to save","start":1158.335,"end":1162.12,"sentiment":"neutral","sentiment_score":-0.0037020041861317373}],"sentiment":"neutral","sentiment_score":-0.0037020041861317373,"channel":0,"num_words":11,"start":1158.335,"end":1162.12},{"sentences":[{"text":"Look","start":1161.9501,"end":1162.4501,"sentiment":"neutral","sentiment_score":-0.03723709657788277}],"sentiment":"neutral","sentiment_score":-0.03723709657788277,"channel":1,"num_words":1,"start":1161.9501,"end":1162.4501},{"sentences":[{"text":"to purchase a property?","start":1162.12,"end":1163.42,"sentiment":"neutral","sentiment_score":0.026696854270994663}],"sentiment":"neutral","sentiment_score":0.026696854270994663,"channel":0,"num_words":4,"start":1162.12,"end":1163.42},{"sentences":[{"text":"at yeah.","start":1162.9501,"end":1164.61,"sentiment":"neutral","sentiment_score":0.03335748799145222},{"text":"Yep.","start":1164.67,"end":1165.17,"sentiment":"neutral","sentiment_score":0.08931627124547958}],"sentiment":"neutral","sentiment_score":0.05201041574279467,"channel":1,"num_words":3,"start":1162.9501,"end":1165.17},{"sentences":[{"text":"Yep.","start":1165.5599,"end":1165.96,"sentiment":"neutral","sentiment_score":0.15017738938331604},{"text":"Cool.","start":1165.96,"end":1166.46,"sentiment":"neutral","sentiment_score":0.29774636030197144},{"text":"Have you got a bit of, like, a set savings per week that you're aiming for this year?","start":1167.08,"end":1170.78,"sentiment":"neutral","sentiment_score":0.1810802821483877}],"sentiment":"neutral","sentiment_score":0.1853684414178133,"channel":0,"num_words":20,"start":1165.5599,"end":1170.78},{"sentences":[{"text":"Oh, I'm just trying to do savings.","start":1172.515,"end":1174.4551,"sentiment":"neutral","sentiment_score":0.08739764562674932},{"text":"Like, I'm for I'm trying to save, like, like, $20 this year.","start":1174.515,"end":1179.635,"sentiment":"neutral","sentiment_score":0.12373445307215054},{"text":"Like so my I was thinking of doing it over two years to save $40, $20 a year","start":1179.635,"end":1186.8201,"sentiment":"neutral","sentiment_score":0.1469956094192134}],"sentiment":"neutral","sentiment_score":0.12817616015672684,"channel":1,"num_words":37,"start":1172.515,"end":1186.8201},{"sentences":[{"text":"Okay.","start":1187.2,"end":1187.7,"sentiment":"neutral","sentiment_score":0.06852737069129944}],"sentiment":"neutral","sentiment_score":0.06852737069129944,"channel":0,"num_words":1,"start":1187.2,"end":1187.7},{"sentences":[{"text":"and whatnot.","start":1187.8401,"end":1188.66,"sentiment":"neutral","sentiment_score":-0.0021164249628782272},{"text":"But, yeah, I'm, like yeah.","start":1188.8,"end":1191.54,"sentiment":"neutral","sentiment_score":0.020717846136540173},{"text":"I'm I'm I'm getting there because I'm getting a bit of overtime at the moment.","start":1191.68,"end":1196.16,"sentiment":"neutral","sentiment_score":-0.18652148445447286},{"text":"So I I've got some cash put aside, but I need to, I don't know, put it into something that so I can't actually touch it because I find when I can touch it, that's that's the problem.","start":1196.16,"end":1209.165,"sentiment":"negative","sentiment_score":-0.3805046073700252}],"sentiment":"neutral","sentiment_score":-0.28596068276868514,"channel":1,"num_words":60,"start":1187.8401,"end":1209.165},{"sentences":[{"text":"Yeah.","start":1209.0549,"end":1209.5549,"sentiment":"neutral","sentiment_score":0.057241275906562805}],"sentiment":"neutral","sentiment_score":0.057241275906562805,"channel":0,"num_words":1,"start":1209.0549,"end":1209.5549},{"sentences":[{"text":"It's","start":1209.465,"end":1209.865,"sentiment":"neutral","sentiment_score":0.08300839364528656}],"sentiment":"neutral","sentiment_score":0.08300839364528656,"channel":1,"num_words":1,"start":1209.465,"end":1209.865},{"sentences":[{"text":"Yep.","start":1209.615,"end":1210.115,"sentiment":"neutral","sentiment_score":0.20886102318763733}],"sentiment":"neutral","sentiment_score":0.20886102318763733,"channel":0,"num_words":1,"start":1209.615,"end":1210.115},{"sentences":[{"text":"easy","start":1209.865,"end":1210.265,"sentiment":"positive","sentiment_score":0.34508249163627625}],"sentiment":"positive","sentiment_score":0.34508249163627625,"channel":1,"num_words":1,"start":1209.865,"end":1210.265},{"sentences":[{"text":"That's","start":1210.255,"end":1210.495,"sentiment":"neutral","sentiment_score":0.3154142200946808}],"sentiment":"neutral","sentiment_score":0.3154142200946808,"channel":0,"num_words":1,"start":1210.255,"end":1210.495},{"sentences":[{"text":"to access.","start":1210.265,"end":1210.92,"sentiment":"neutral","sentiment_score":0.29754066467285156}],"sentiment":"neutral","sentiment_score":0.29754066467285156,"channel":1,"num_words":2,"start":1210.265,"end":1210.92},{"sentences":[{"text":"what we always run into.","start":1210.495,"end":1211.795,"sentiment":"neutral","sentiment_score":0.07838438972830772}],"sentiment":"neutral","sentiment_score":0.07838438972830772,"channel":0,"num_words":5,"start":1210.495,"end":1211.795},{"sentences":[{"text":"Yeah.","start":1212.36,"end":1212.86,"sentiment":"neutral","sentiment_score":0.059366583824157715}],"sentiment":"neutral","sentiment_score":0.059366583824157715,"channel":1,"num_words":1,"start":1212.36,"end":1212.86},{"sentences":[{"text":"Even my my mate, he's been earning about a $100 for years doing, like, security work where he's working sixty hour weeks, and","start":1213.17,"end":1221.27,"sentiment":"neutral","sentiment_score":0.006250892563358597}],"sentiment":"neutral","sentiment_score":0.006250892563358597,"channel":0,"num_words":23,"start":1213.17,"end":1221.27},{"sentences":[{"text":"Yeah.","start":1221.0801,"end":1221.5801,"sentiment":"neutral","sentiment_score":-0.07927669584751129}],"sentiment":"neutral","sentiment_score":-0.07927669584751129,"channel":1,"num_words":1,"start":1221.0801,"end":1221.5801},{"sentences":[{"text":"he had nothing to show for for about six years.","start":1221.3301,"end":1223.3301,"sentiment":"neutral","sentiment_score":-0.32788394540548327},{"text":"And I said, Jack, just set up a different bank account at this point because you just you you you keep touching it.","start":1223.3301,"end":1228.875,"sentiment":"neutral","sentiment_score":-0.2470014380372089},{"text":"And he he started sending money to his mom, and","start":1228.955,"end":1232.555,"sentiment":"neutral","sentiment_score":-0.21346978694200516}],"sentiment":"neutral","sentiment_score":-0.25801326507745787,"channel":0,"num_words":43,"start":1221.3301,"end":1232.555},{"sentences":[{"text":"Yeah.","start":1232.555,"end":1232.795,"sentiment":"neutral","sentiment_score":-0.05787739157676697}],"sentiment":"neutral","sentiment_score":-0.05787739157676697,"channel":1,"num_words":1,"start":1232.555,"end":1232.795},{"sentences":[{"text":"he also","start":1232.555,"end":1232.955,"sentiment":"neutral","sentiment_score":-0.0722598284482956}],"sentiment":"neutral","sentiment_score":-0.0722598284482956,"channel":0,"num_words":2,"start":1232.555,"end":1232.955},{"sentences":[{"text":"Yeah.","start":1232.795,"end":1233.295,"sentiment":"neutral","sentiment_score":-0.06148338317871094}],"sentiment":"neutral","sentiment_score":-0.06148338317871094,"channel":1,"num_words":1,"start":1232.795,"end":1233.295},{"sentences":[{"text":"started sending","start":1232.955,"end":1233.675,"sentiment":"neutral","sentiment_score":-0.09580402076244354}],"sentiment":"neutral","sentiment_score":-0.09580402076244354,"channel":0,"num_words":2,"start":1232.955,"end":1233.675},{"sentences":[{"text":"Yeah.","start":1233.3551,"end":1233.8551,"sentiment":"neutral","sentiment_score":-0.09963145852088928}],"sentiment":"neutral","sentiment_score":-0.09963145852088928,"channel":1,"num_words":1,"start":1233.3551,"end":1233.8551},{"sentences":[{"text":"money to a separate, like, bank where he doesn't have","start":1233.675,"end":1236.635,"sentiment":"neutral","sentiment_score":-0.13524051904678344}],"sentiment":"neutral","sentiment_score":-0.13524051904678344,"channel":0,"num_words":10,"start":1233.675,"end":1236.635},{"sentences":[{"text":"Thank","start":1236.555,"end":1236.9551,"sentiment":"neutral","sentiment_score":0.009418830275535583}],"sentiment":"neutral","sentiment_score":0.009418830275535583,"channel":1,"num_words":1,"start":1236.555,"end":1236.9551},{"sentences":[{"text":"a card.","start":1236.635,"end":1237.295,"sentiment":"neutral","sentiment_score":-0.0017251968383789062}],"sentiment":"neutral","sentiment_score":-0.0017251968383789062,"channel":0,"num_words":2,"start":1236.635,"end":1237.295},{"sentences":[{"text":"you.","start":1236.9551,"end":1237.4551,"sentiment":"neutral","sentiment_score":0.0788533091545105},{"text":"Yeah.","start":1237.755,"end":1238.155,"sentiment":"neutral","sentiment_score":0.07352710515260696}],"sentiment":"neutral","sentiment_score":0.07619020715355873,"channel":1,"num_words":2,"start":1236.9551,"end":1238.155},{"sentences":[{"text":"And","start":1237.995,"end":1238.475,"sentiment":"neutral","sentiment_score":0.0951669067144394}],"sentiment":"neutral","sentiment_score":0.0951669067144394,"channel":0,"num_words":1,"start":1237.995,"end":1238.475},{"sentences":[{"text":"Yeah.","start":1238.155,"end":1238.655,"sentiment":"neutral","sentiment_score":0.13117127120494845}],"sentiment":"neutral","sentiment_score":0.13117127120494845,"channel":1,"num_words":1,"start":1238.155,"end":1238.655},{"sentences":[{"text":"he's been able to build up about $15 now, so he's also saving for his first house.","start":1238.475,"end":1242.975,"sentiment":"neutral","sentiment_score":0.29057883778039145}],"sentiment":"neutral","sentiment_score":0.29057883778039145,"channel":0,"num_words":17,"start":1238.475,"end":1242.975},{"sentences":[{"text":"Yeah.","start":1243.45,"end":1243.69,"sentiment":"neutral","sentiment_score":0.046850644052028656},{"text":"No.","start":1243.69,"end":1244.09,"sentiment":"neutral","sentiment_score":-0.004808899015188217},{"text":"Yeah.","start":1244.09,"end":1244.59,"sentiment":"neutral","sentiment_score":0.011928752064704897}],"sentiment":"neutral","sentiment_score":0.01799016570051511,"channel":1,"num_words":3,"start":1243.45,"end":1244.59},{"sentences":[{"text":"Anything you need to do, you know, just to make sure that you're you're rolling on and actually getting to where you wanna go.","start":1244.5499,"end":1250.0099,"sentiment":"neutral","sentiment_score":0.04259717045351863}],"sentiment":"neutral","sentiment_score":0.04259717045351863,"channel":0,"num_words":24,"start":1244.5499,"end":1250.0099},{"sentences":[{"text":"Yeah.","start":1250.8099,"end":1251.13,"sentiment":"neutral","sentiment_score":0.010330691933631895},{"text":"Yeah.","start":1251.13,"end":1251.53,"sentiment":"neutral","sentiment_score":0.0006892774254083633},{"text":"Because my because, like, I work so we work nine day or fortnight.","start":1251.53,"end":1255.765,"sentiment":"neutral","sentiment_score":-0.025738773867487907},{"text":"And so on one one week's a","start":1255.905,"end":1258.945,"sentiment":"neutral","sentiment_score":-0.027989259521876062}],"sentiment":"neutral","sentiment_score":-0.023614041253247044,"channel":1,"num_words":22,"start":1250.8099,"end":1258.945},{"sentences":[{"text":"Yeah.","start":1258.8049,"end":1259.3049,"sentiment":"neutral","sentiment_score":-0.035770248621702194}],"sentiment":"neutral","sentiment_score":-0.035770248621702194,"channel":0,"num_words":1,"start":1258.8049,"end":1259.3049},{"sentences":[{"text":"short week, so I'll like,","start":1258.945,"end":1260.865,"sentiment":"neutral","sentiment_score":-0.05947503969073296}],"sentiment":"neutral","sentiment_score":-0.05947503969073296,"channel":1,"num_words":5,"start":1258.945,"end":1260.865},{"sentences":[{"text":"Yeah.","start":1260.645,"end":1261.145,"sentiment":"neutral","sentiment_score":-0.09719058871269226}],"sentiment":"neutral","sentiment_score":-0.09719058871269226,"channel":0,"num_words":1,"start":1260.645,"end":1261.145},{"sentences":[{"text":"I I can't save much there.","start":1260.865,"end":1263.265,"sentiment":"neutral","sentiment_score":-0.2422977313399315},{"text":"But on the other week, I get, like, I don't know, sometimes, like, $700 extra, like, so if I could put that away and just live off my base, then that's, like, that's my plan anyway.","start":1263.265,"end":1276.03,"sentiment":"neutral","sentiment_score":-0.23667404428124428},{"text":"So but, yeah, I I do have I've got two accounts.","start":1276.03,"end":1279.39,"sentiment":"neutral","sentiment_score":-0.04672776196490635},{"text":"So I'm gonna go and sort out with my local bank and just say, like, look.","start":1279.39,"end":1285.115,"sentiment":"neutral","sentiment_score":-0.06378172733820975},{"text":"I wanna be able to put money in here, but not take it out unless I actually come into the bank.","start":1285.115,"end":1290.395,"sentiment":"neutral","sentiment_score":-0.16094910903345971}],"sentiment":"neutral","sentiment_score":-0.1654277365654707,"channel":1,"num_words":90,"start":1260.865,"end":1290.395},{"sentences":[{"text":"Like,","start":1290.395,"end":1290.895,"sentiment":"neutral","sentiment_score":-0.1188112050294876}],"sentiment":"neutral","sentiment_score":-0.1188112050294876,"channel":1,"num_words":1,"start":1290.395,"end":1290.895},{"sentences":[{"text":"Yeah.","start":1290.915,"end":1291.415,"sentiment":"neutral","sentiment_score":-0.23409458994865415}],"sentiment":"neutral","sentiment_score":-0.23409458994865415,"channel":0,"num_words":1,"start":1290.915,"end":1291.415},{"sentences":[{"text":"I don't want and I don't have a card for that account or whatever.","start":1291.755,"end":1295.5499,"sentiment":"negative","sentiment_score":-0.345013510968004},{"text":"Well, I do for an all access, but, like, there's I've got, like, different accounts off that actual bank.","start":1295.5499,"end":1301.5499,"sentiment":"neutral","sentiment_score":0.04037978960887382},{"text":"So, yeah, I might actually look at doing that because I think that's the only way it's gonna be safe.","start":1301.5499,"end":1306.35,"sentiment":"neutral","sentiment_score":0.12937440127134323},{"text":"Because while it's there, you can just if you can access it, it's just too convenient.","start":1306.35,"end":1311.895,"sentiment":"neutral","sentiment_score":0.24190931860357523}],"sentiment":"neutral","sentiment_score":0.03471107205942921,"channel":1,"num_words":69,"start":1291.755,"end":1311.895},{"sentences":[{"text":"It's","start":1312.145,"end":1312.465,"sentiment":"positive","sentiment_score":0.3472388982772827}],"sentiment":"positive","sentiment_score":0.3472388982772827,"channel":0,"num_words":1,"start":1312.145,"end":1312.465},{"sentences":[{"text":"Like","start":1312.435,"end":1312.935,"sentiment":"positive","sentiment_score":0.36765772104263306}],"sentiment":"positive","sentiment_score":0.36765772104263306,"channel":1,"num_words":1,"start":1312.435,"end":1312.935},{"sentences":[{"text":"too tempting and easy.","start":1312.465,"end":1313.505,"sentiment":"positive","sentiment_score":0.558130718767643},{"text":"You click a couple","start":1313.505,"end":1314.145,"sentiment":"neutral","sentiment_score":0.15419000945985317}],"sentiment":"positive","sentiment_score":0.3561603641137481,"channel":0,"num_words":8,"start":1312.465,"end":1314.145},{"sentences":[{"text":"yeah.","start":1313.9551,"end":1314.4551,"sentiment":"neutral","sentiment_score":0.09102019667625429}],"sentiment":"neutral","sentiment_score":0.09102019667625429,"channel":1,"num_words":1,"start":1313.9551,"end":1314.4551},{"sentences":[{"text":"of buttons and it's gone.","start":1314.145,"end":1315.4451,"sentiment":"neutral","sentiment_score":0.06865185499191284}],"sentiment":"neutral","sentiment_score":0.06865185499191284,"channel":0,"num_words":5,"start":1314.145,"end":1315.4451},{"sentences":[{"text":"Yeah.","start":1315.3151,"end":1315.8151,"sentiment":"neutral","sentiment_score":0.12433206290006638},{"text":"For sure.","start":1315.9551,"end":1316.775,"sentiment":"neutral","sentiment_score":0.11547962576150894},{"text":"Whereas if you don't,","start":1317.395,"end":1318.435,"sentiment":"neutral","sentiment_score":0.061559125781059265}],"sentiment":"neutral","sentiment_score":0.08593254536390305,"channel":1,"num_words":7,"start":1315.3151,"end":1318.435},{"sentences":[{"text":"Yep.","start":1318.3201,"end":1318.8201,"sentiment":"neutral","sentiment_score":0.0780816301703453}],"sentiment":"neutral","sentiment_score":0.0780816301703453,"channel":0,"num_words":1,"start":1318.3201,"end":1318.8201},{"sentences":[{"text":"you can still see it grow, which is nice, but then not be able to just easily transfer it out on NetBank or something.","start":1318.435,"end":1326.0701,"sentiment":"neutral","sentiment_score":0.1804913825665911},{"text":"That's awesome.","start":1326.0701,"end":1326.81,"sentiment":"positive","sentiment_score":0.7499577403068542}],"sentiment":"neutral","sentiment_score":0.2242964870081498,"channel":1,"num_words":26,"start":1318.435,"end":1326.81},{"sentences":[{"text":"Yeah.","start":1327.52,"end":1327.92,"sentiment":"positive","sentiment_score":0.428439199924469},{"text":"Absolutely.","start":1327.92,"end":1328.42,"sentiment":"positive","sentiment_score":0.5237279534339905},{"text":"So I'll put that down as some of the goals that we're trying to aim for 40,000 over the next two years, and we'll just kind of","start":1329.12,"end":1334.605,"sentiment":"neutral","sentiment_score":0.2989501820670234}],"sentiment":"neutral","sentiment_score":0.3111662782471755,"channel":0,"num_words":29,"start":1327.52,"end":1334.605},{"sentences":[{"text":"Yeah.","start":1334.55,"end":1335.05,"sentiment":"neutral","sentiment_score":0.13163676857948303}],"sentiment":"neutral","sentiment_score":0.13163676857948303,"channel":1,"num_words":1,"start":1334.55,"end":1335.05},{"sentences":[{"text":"when we do our reviews with you, we'll touch base and see how you're going.","start":1334.685,"end":1338.145,"sentiment":"neutral","sentiment_score":0.17515877137581506}],"sentiment":"neutral","sentiment_score":0.17515877137581506,"channel":0,"num_words":15,"start":1334.685,"end":1338.145},{"sentences":[{"text":"Yep.","start":1338.63,"end":1339.095,"sentiment":"neutral","sentiment_score":0.226009339094162},{"text":"Perfect.","start":1339.335,"end":1339.835,"sentiment":"positive","sentiment_score":0.45388391613960266}],"sentiment":"positive","sentiment_score":0.3399466276168823,"channel":1,"num_words":2,"start":1338.63,"end":1339.835},{"sentences":[{"text":"Do you have a little bit scroll to land savings at the moment that I can note down in your assets?","start":1340.285,"end":1345.025,"sentiment":"neutral","sentiment_score":0.16044052796704428}],"sentiment":"neutral","sentiment_score":0.16044052796704428,"channel":0,"num_words":21,"start":1340.285,"end":1345.025},{"sentences":[{"text":"Oh, I've got, like, five brands.","start":1346.135,"end":1348.475,"sentiment":"neutral","sentiment_score":0.12514644488692284},{"text":"That's","start":1349.1749,"end":1349.495,"sentiment":"positive","sentiment_score":0.3852022588253021}],"sentiment":"neutral","sentiment_score":0.16229727544954844,"channel":1,"num_words":7,"start":1346.135,"end":1349.495},{"sentences":[{"text":"Perfect.","start":1349.47,"end":1349.97,"sentiment":"positive","sentiment_score":0.5046424865722656}],"sentiment":"positive","sentiment_score":0.5046424865722656,"channel":0,"num_words":1,"start":1349.47,"end":1349.97},{"sentences":[{"text":"it.","start":1349.495,"end":1349.995,"sentiment":"neutral","sentiment_score":0.2758883833885193}],"sentiment":"neutral","sentiment_score":0.2758883833885193,"channel":1,"num_words":1,"start":1349.495,"end":1349.995},{"sentences":[{"text":"To start, always nice to have a little bit of emergency fund too.","start":1350.35,"end":1354.0499,"sentiment":"neutral","sentiment_score":0.2901809433331856}],"sentiment":"neutral","sentiment_score":0.2901809433331856,"channel":0,"num_words":13,"start":1350.35,"end":1354.0499},{"sentences":[{"text":"Yeah.","start":1355.35,"end":1355.85,"sentiment":"neutral","sentiment_score":0.029629116877913475}],"sentiment":"neutral","sentiment_score":0.029629116877913475,"channel":1,"num_words":1,"start":1355.35,"end":1355.85},{"sentences":[{"text":"Last couple of details, we've got you've still never gone through, like, bankruptcy or debt agreements before.","start":1355.95,"end":1362.725,"sentiment":"neutral","sentiment_score":-0.028731305371312535}],"sentiment":"neutral","sentiment_score":-0.028731305371312535,"channel":0,"num_words":17,"start":1355.95,"end":1362.725},{"sentences":[{"text":"No.","start":1363.27,"end":1363.77,"sentiment":"neutral","sentiment_score":-0.06339842081069946}],"sentiment":"neutral","sentiment_score":-0.06339842081069946,"channel":1,"num_words":1,"start":1363.27,"end":1363.77},{"sentences":[{"text":"Alright.","start":1364.305,"end":1364.705,"sentiment":"neutral","sentiment_score":0.017235638573765755},{"text":"Cool.","start":1364.705,"end":1365.025,"sentiment":"neutral","sentiment_score":0.07302241027355194},{"text":"And we're looking at putting place, like, the will and the power of attorney potentially.","start":1365.025,"end":1368.885,"sentiment":"neutral","sentiment_score":0.06070952713489532},{"text":"And health wise still smoking at","start":1371.76,"end":1375.76,"sentiment":"neutral","sentiment_score":-0.01643061762054761}],"sentiment":"neutral","sentiment_score":0.03923118478902008,"channel":0,"num_words":23,"start":1364.305,"end":1375.76},{"sentences":[{"text":"Yeah.","start":1375.745,"end":1376.245,"sentiment":"neutral","sentiment_score":-0.029028885066509247}],"sentiment":"neutral","sentiment_score":-0.029028885066509247,"channel":1,"num_words":1,"start":1375.745,"end":1376.245},{"sentences":[{"text":"the moment?","start":1375.76,"end":1376.34,"sentiment":"neutral","sentiment_score":-0.034227930940687656}],"sentiment":"neutral","sentiment_score":-0.034227930940687656,"channel":0,"num_words":2,"start":1375.76,"end":1376.34},{"sentences":[{"text":"I'm actually on a program to give up.","start":1377.345,"end":1379.82,"sentiment":"neutral","sentiment_score":-0.07743530627340078},{"text":"So, hopefully,","start":1379.8999,"end":1380.7999,"sentiment":"neutral","sentiment_score":0.00015346193686127663}],"sentiment":"neutral","sentiment_score":-0.06191755263134837,"channel":1,"num_words":10,"start":1377.345,"end":1380.7999},{"sentences":[{"text":"Oh, nice.","start":1380.48,"end":1381.22,"sentiment":"neutral","sentiment_score":0.12403564527630806}],"sentiment":"neutral","sentiment_score":0.12403564527630806,"channel":0,"num_words":2,"start":1380.48,"end":1381.22},{"sentences":[{"text":"by by the next phone call, that'll be done.","start":1380.94,"end":1383.9199,"sentiment":"neutral","sentiment_score":0.0837769243452284}],"sentiment":"neutral","sentiment_score":0.0837769243452284,"channel":1,"num_words":9,"start":1380.94,"end":1383.9199},{"sentences":[{"text":"Fantastic.","start":1384.895,"end":1385.395,"sentiment":"positive","sentiment_score":0.4875778555870056},{"text":"So just to let you know, like, whenever you're 12 nicotine free, you get, like, a nonsmoker status when it comes to, like, insurances and things like that.","start":1385.4551,"end":1395.03,"sentiment":"neutral","sentiment_score":0.2081151588686875},{"text":"So we'll just","start":1395.11,"end":1395.51,"sentiment":"neutral","sentiment_score":0.0978096400698026}],"sentiment":"neutral","sentiment_score":0.20650722575373948,"channel":0,"num_words":32,"start":1384.895,"end":1395.51},{"sentences":[{"text":"Yeah.","start":1395.4349,"end":1395.755,"sentiment":"neutral","sentiment_score":0.0800180435180664}],"sentiment":"neutral","sentiment_score":0.0800180435180664,"channel":1,"num_words":1,"start":1395.4349,"end":1395.755},{"sentences":[{"text":"keep","start":1395.51,"end":1395.8301,"sentiment":"neutral","sentiment_score":0.11458219587802888}],"sentiment":"neutral","sentiment_score":0.11458219587802888,"channel":0,"num_words":1,"start":1395.51,"end":1395.8301},{"sentences":[{"text":"Okay.","start":1395.755,"end":1396.255,"sentiment":"neutral","sentiment_score":0.10283206403255464}],"sentiment":"neutral","sentiment_score":0.10283206403255464,"channel":1,"num_words":1,"start":1395.755,"end":1396.255},{"sentences":[{"text":"that in mind so that when we can tag you as twelve months free, then we'll","start":1395.8301,"end":1399.8301,"sentiment":"neutral","sentiment_score":0.12840576516464353}],"sentiment":"neutral","sentiment_score":0.12840576516464353,"channel":0,"num_words":16,"start":1395.8301,"end":1399.8301},{"sentences":[{"text":"Yeah.","start":1399.515,"end":1400.015,"sentiment":"neutral","sentiment_score":0.047576118260622025}],"sentiment":"neutral","sentiment_score":0.047576118260622025,"channel":1,"num_words":1,"start":1399.515,"end":1400.015},{"sentences":[{"text":"know whether we need to update anything.","start":1399.8301,"end":1401.53,"sentiment":"neutral","sentiment_score":0.07985155656933784}],"sentiment":"neutral","sentiment_score":0.07985155656933784,"channel":0,"num_words":7,"start":1399.8301,"end":1401.53},{"sentences":[{"text":"Perfect.","start":1402.075,"end":1402.575,"sentiment":"positive","sentiment_score":0.4207093119621277},{"text":"Yep.","start":1402.715,"end":1403.215,"sentiment":"neutral","sentiment_score":0.25471872091293335}],"sentiment":"positive","sentiment_score":0.3377140164375305,"channel":1,"num_words":2,"start":1402.075,"end":1403.215},{"sentences":[{"text":"Cool.","start":1403.5901,"end":1404.0901,"sentiment":"positive","sentiment_score":0.4412153363227844},{"text":"That's pretty much everything that I needed.","start":1404.55,"end":1406.47,"sentiment":"positive","sentiment_score":0.41568514491830555},{"text":"Is there anything else that you would like to mix in with this advice that we're doing?","start":1406.47,"end":1411.225,"sentiment":"neutral","sentiment_score":0.09951753476086785}],"sentiment":"neutral","sentiment_score":0.20171237766742706,"channel":0,"num_words":25,"start":1403.5901,"end":1411.225},{"sentences":[{"text":"No.","start":1412.43,"end":1412.75,"sentiment":"neutral","sentiment_score":-0.20510601997375488},{"text":"I think that's pretty much I I don't not off the top of my head.","start":1412.75,"end":1416.99,"sentiment":"neutral","sentiment_score":-0.2248523086309433},{"text":"No.","start":1416.99,"end":1417.49,"sentiment":"neutral","sentiment_score":-0.06866669654846191}],"sentiment":"neutral","sentiment_score":-0.21450337329331567,"channel":1,"num_words":17,"start":1412.43,"end":1417.49},{"sentences":[{"text":"Yep.","start":1418.405,"end":1418.905,"sentiment":"neutral","sentiment_score":0.0837617963552475},{"text":"Awesome.","start":1418.965,"end":1419.465,"sentiment":"positive","sentiment_score":0.41331297159194946},{"text":"So I won't look at anything to do with, like, insurances and investments and things like that.","start":1420.005,"end":1424.7,"sentiment":"neutral","sentiment_score":0.081900844898294},{"text":"I guess your priority at the moment is just get the super back on track, make sure your beneficiaries and will are sorted, and saving","start":1424.7799,"end":1430.7,"sentiment":"neutral","sentiment_score":0.20899039655923843}],"sentiment":"neutral","sentiment_score":0.16168520557270807,"channel":0,"num_words":44,"start":1418.405,"end":1430.7},{"sentences":[{"text":"Yep.","start":1430.475,"end":1430.975,"sentiment":"neutral","sentiment_score":0.08345308899879456}],"sentiment":"neutral","sentiment_score":0.08345308899879456,"channel":1,"num_words":1,"start":1430.475,"end":1430.975},{"sentences":[{"text":"for that house.","start":1430.7,"end":1431.5199,"sentiment":"neutral","sentiment_score":0.19612916807333627}],"sentiment":"neutral","sentiment_score":0.19612916807333627,"channel":0,"num_words":3,"start":1430.7,"end":1431.5199},{"sentences":[{"text":"Yep.","start":1431.995,"end":1432.495,"sentiment":"neutral","sentiment_score":0.23707568645477295},{"text":"Sounds good.","start":1432.715,"end":1433.695,"sentiment":"positive","sentiment_score":0.6474998295307159}],"sentiment":"positive","sentiment_score":0.510691781838735,"channel":1,"num_words":3,"start":1431.995,"end":1433.695},{"sentences":[{"text":"Awesome.","start":1434.22,"end":1434.7,"sentiment":"positive","sentiment_score":0.6471785306930542},{"text":"So what I'll do is I'll go away and put together a little bit of research about the super.","start":1434.7,"end":1439.985,"sentiment":"neutral","sentiment_score":0.31274918506019994},{"text":"I'll let","start":1440.0449,"end":1440.445,"sentiment":"neutral","sentiment_score":0.2426803559064865}],"sentiment":"neutral","sentiment_score":0.3215806253931739,"channel":0,"num_words":22,"start":1434.22,"end":1440.445},{"sentences":[{"text":"Yep.","start":1440.4401,"end":1440.9401,"sentiment":"neutral","sentiment_score":0.23650257289409635}],"sentiment":"neutral","sentiment_score":0.23650257289409635,"channel":1,"num_words":1,"start":1440.4401,"end":1440.9401},{"sentences":[{"text":"Veronica know what we're doing as well just so she's aware.","start":1440.445,"end":1443.265,"sentiment":"neutral","sentiment_score":0.25395427508787677}],"sentiment":"neutral","sentiment_score":0.25395427508787677,"channel":0,"num_words":11,"start":1440.445,"end":1443.265},{"sentences":[{"text":"Perfect.","start":1443.64,"end":1444.14,"sentiment":"positive","sentiment_score":0.6722872853279114}],"sentiment":"positive","sentiment_score":0.6722872853279114,"channel":1,"num_words":1,"start":1443.64,"end":1444.14},{"sentences":[{"text":"And sometime over the fortnight, the team will give you a buzz just to get you booked in to go through that advice document.","start":1443.645,"end":1450.465,"sentiment":"positive","sentiment_score":0.40432393302520114}],"sentiment":"positive","sentiment_score":0.40432393302520114,"channel":0,"num_words":24,"start":1443.645,"end":1450.465},{"sentences":[{"text":"Awesome.","start":1451.015,"end":1451.515,"sentiment":"positive","sentiment_score":0.612389326095581},{"text":"Yep.","start":1451.655,"end":1451.975,"sentiment":"positive","sentiment_score":0.3697628378868103},{"text":"No worries.","start":1451.975,"end":1452.715,"sentiment":"positive","sentiment_score":0.4588235020637512},{"text":"Beautiful.","start":1453.3589,"end":1453.8389,"sentiment":"positive","sentiment_score":0.7487701177597046}],"sentiment":"positive","sentiment_score":0.5297138571739197,"channel":1,"num_words":5,"start":1451.015,"end":1453.8389},{"sentences":[{"text":"Awesome,","start":1453.66,"end":1454.14,"sentiment":"positive","sentiment_score":0.7705795764923096}],"sentiment":"positive","sentiment_score":0.7705795764923096,"channel":0,"num_words":1,"start":1453.66,"end":1454.14},{"sentences":[{"text":"Thank you","start":1453.8389,"end":1454.2389,"sentiment":"positive","sentiment_score":0.8475020527839661}],"sentiment":"positive","sentiment_score":0.8475020527839661,"channel":1,"num_words":2,"start":1453.8389,"end":1454.2389},{"sentences":[{"text":"Kim.","start":1454.14,"end":1454.64,"sentiment":"positive","sentiment_score":0.8068218231201172}],"sentiment":"positive","sentiment_score":0.8068218231201172,"channel":0,"num_words":1,"start":1454.14,"end":1454.64},{"sentences":[{"text":"very much.","start":1454.2389,"end":1454.9789,"sentiment":"positive","sentiment_score":0.7797206342220306}],"sentiment":"positive","sentiment_score":0.7797206342220306,"channel":1,"num_words":2,"start":1454.2389,"end":1454.9789},{"sentences":[{"text":"Thank you for your time this morning.","start":1455.26,"end":1456.54,"sentiment":"positive","sentiment_score":0.8418415018490383},{"text":"You have a fantastic day.","start":1456.54,"end":1458.0,"sentiment":"positive","sentiment_score":0.8370893597602844}],"sentiment":"positive","sentiment_score":0.8398614426453909,"channel":0,"num_words":12,"start":1455.26,"end":1458.0},{"sentences":[{"text":"You too.","start":1458.3989,"end":1458.9589,"sentiment":"positive","sentiment_score":0.6397438049316406},{"text":"Cheers.","start":1458.9589,"end":1459.4388,"sentiment":"positive","sentiment_score":0.6351746320724487},{"text":"Bye.","start":1459.4388,"end":1459.9388,"sentiment":"positive","sentiment_score":0.3954542875289917}],"sentiment":"positive","sentiment_score":0.5775291323661804,"channel":1,"num_words":4,"start":1458.3989,"end":1459.9388},{"sentences":[{"text":"Thank you.","start":1460.14,"end":1460.7,"sentiment":"positive","sentiment_score":0.5954841673374176},{"text":"Bye.","start":1460.7,"end":1461.2,"sentiment":"neutral","sentiment_score":-0.08879131823778152}],"sentiment":"positive","sentiment_score":0.3673923388123512,"channel":0,"num_words":3,"start":1460.14,"end":1461.2}]},"summary":{"result":"success","short":"A senior adviser from Oakview Financial suggests split beneficiaries and a testamentary trust to distribute out the funds. The process involves nominating a beneficiary directly and setting up a trust fund. The process is straightforward and involves a Will and a public trustee for each state. The speaker recommends a process of a will and a follow-up if needed, and emphasizes the importance of staying in the same style and replacing the current investment portfolio with a new one. The speaker also discusses their retirement goals and savings, including their savings for their first house and potential savings for their second home. They note down their assets and retirement plans for Kim's attention and schedule a follow-up call to discuss retirement goals and savings."},"intents":{"segments":[{"text":"I just wanted to start by just letting you know that Veronica was scheduled to give you a call this morning, and Yeah. she's ill today. So I wanted to jump in and assist you. Yeah.","start_word":32,"end_word":67,"intents":[{"intent":"Assist with call recording","confidence_score":0.19788353}]},{"text":"I've just been going through the notes this morning before this call, and I wanted to basically have a chat to you about two things, Yep. your beneficiaries and Yep. the portfolio for your Hub 20 four super. Is that kind of the two main things that you wanted to talk about?","start_word":114,"end_word":165,"intents":[{"intent":"Discuss beneficiarys and portfolio","confidence_score":0.0026119994}]},{"text":"Seems like you're trying to do a little bit of a split between the family to make sure the kids are looked after, that kind of thing. Is that right? Yep.","start_word":188,"end_word":218,"intents":[{"intent":"Discuss splitting between family","confidence_score":0.025793513}]},{"text":"We've got Logan and Tyson, and you Yep. wanna kind of get them a little bit of a split of, like, the super funds, life insurance, and so on. Yeah.","start_word":265,"end_word":294,"intents":[{"intent":"Provide split.","confidence_score":2.0969588e-7}]},{"text":"I was thinking of, like, I was thinking, like, of splitting like, maybe going putting my brother down for half and then the boys, like, can get 25 each until, like I don't know.","start_word":309,"end_word":342,"intents":[{"intent":"Discuss split between siblings","confidence_score":0.016708903}]},{"text":"Now when it comes to beneficiary nominations, they've got these CISACT restrictions on who can be a valid beneficiary. So most of the time, it's basically a partner or a child Mhmm. or someone that you've got, like, a financial dependency relationship with. Like, you know, you're looking after your parents and they live with you, that kind of thing. Yeah. Yeah.","start_word":434,"end_word":495,"intents":[{"intent":"Define beneficiaries and beneficiaries","confidence_score":0.0001280406}]},{"text":"I don't know. Yeah.","start_word":793,"end_word":796,"intents":[{"intent":"Decline nominations","confidence_score":0.0005019274}]},{"text":"few options there. There's, you know, cheap will kit can get your basic one. I would go to maybe, like, call up the the Google, the public trustee for your state and give them a call and see how much Yeah.","start_word":1421,"end_word":1461,"intents":[{"intent":"Consider nomination options","confidence_score":0.014551716}]},{"text":"So you don't do you don't offer anything like that? Or We we don't have any kind of lawyers to recommend you to. There Yeah.","start_word":1482,"end_word":1506,"intents":[{"intent":"Clarify nominee preference","confidence_score":0.0018423785},{"intent":"Confirm understanding","confidence_score":0.013528219}]},{"text":"So you don't do you don't offer anything like that? Or We we don't have any kind of lawyers to recommend you to. There Yeah. is, I think, Okay. one that possibly could, but I'm not sure if they kind of service nationwide. That's all. Yeah.","start_word":1482,"end_word":1527,"intents":[{"intent":"Inquire about services","confidence_score":0.0011657795}]},{"text":"Well, I'll I'll work on giving myself six months to do the will. Yep.","start_word":1651,"end_word":1664,"intents":[{"intent":"Specify timeframe for nomination","confidence_score":0.00005538838}]},{"text":"No. You don't have to do that. You just have to give us a call to let us know that you've done that and Yeah.","start_word":1719,"end_word":1743,"intents":[{"intent":"Request call back","confidence_score":0.0084544}]},{"text":"Is it kind of tracking Yep. well? That kind of thing.","start_word":1998,"end_word":2008,"intents":[{"intent":"Track portfolio","confidence_score":0.104671}]},{"text":"So that's, like, a four out of five on the risk scale, 80% of your money in shares and property. So you're still focused on trying to grow your super at this point. Yeah. Yeah.","start_word":2030,"end_word":2064,"intents":[{"intent":"Grow super","confidence_score":0.8202874}]},{"text":"Now when you're in growth, you're aiming for an average return of about eight or 9%. Like, it'll Mhmm. go up ten, fifteen, 20% a year, may go down once every seven years when there's a, you know, global financial crisis, COVID, World War three, Yeah.","start_word":2084,"end_word":2129,"intents":[{"intent":"Target return","confidence_score":0.16057785}]},{"text":"And, obviously, markets have been a bit choppy, but it Yeah. should have been a little bit higher than one. I would have Yeah.","start_word":2171,"end_word":2194,"intents":[{"intent":"Understand market trends","confidence_score":0.036590952}]},{"text":"your Australian shares, like the ones that invest in, like, your Commonwealth Bank and your Rio Tinto and all of the companies in this country, that's sort of underperformed the Aussie market and the other Yeah.","start_word":2347,"end_word":2382,"intents":[{"intent":"Evaluate investment options","confidence_score":0.33278254}]},{"text":"Well, your that Benelon option that I'm looking at replacing, that's in an active space, which is that Yeah.","start_word":2699,"end_word":2717,"intents":[{"intent":"Replace benelon option","confidence_score":0.18433167}]},{"text":"And slightly lower fees, similar, Yep. Yeah. slightly slightly more affordable, but it's actually done really well over one, three, five, and ten years, Yep. and it would just be a straight upgrade and sidestep for you. Yeah.","start_word":2778,"end_word":2815,"intents":[{"intent":"Upgrade to lower fee options","confidence_score":0.0005631851}]},{"text":"So I wanna try and just get it up there. Yeah. When I mentioned that benchmark of eight to nine, it's just the average for your risk level. Yeah. Yeah. Okay. That's Yeah. not Yep. to say that we're not aiming for ten, twelve, fourteen, sixteen. It just means Yeah. that you need that eight to nine to be on track for retirement. Yeah.","start_word":3020,"end_word":3083,"intents":[{"intent":"Set goals and expectations","confidence_score":0.0008053252}]},{"text":"But this option that you've got, they've put it in, like, US dollars. And I don't know if you've seen recently, it's very strange, but the US dollar has gone kind of down given Yeah.","start_word":3133,"end_word":3167,"intents":[{"intent":"Discuss options","confidence_score":0.04372171}]},{"text":"Now while I do this, when we do these changes, we put it in a statement of advice again just to give you an update on, like, here in writing, this is your new portfolio we're recommending and why, and then you can Yep. kind of read off and sign if you're comfortable. Yep.","start_word":3269,"end_word":3322,"intents":[{"intent":"Provide statement of advice","confidence_score":0.009208951},{"intent":"Submit statement","confidence_score":0.0025769724}]},{"text":"So I'm just gonna power through these real quick. Just let me know Yep. if anything's changed. Okay.","start_word":3367,"end_word":3384,"intents":[{"intent":"Power through notes","confidence_score":0.017915502}]},{"text":"So I'm just gonna power through these real quick. Just let me know Yep. if anything's changed. Okay. Cool.","start_word":3367,"end_word":3385,"intents":[{"intent":"Power through changes","confidence_score":0.018679662}]},{"text":"So phone number's still the same. Your Outlook address, Kim dot Brooks, is still current. Yep.","start_word":3388,"end_word":3403,"intents":[{"intent":"Confirm information","confidence_score":0.006285336}]},{"text":"Around about 80,500 per year in income, would you say? Yeah.","start_word":3429,"end_word":3439,"intents":[{"intent":"State income levels","confidence_score":0.0002625986}]},{"text":"We've got the Toyota Hilux was your main asset valued at around 45,000. Do you have any other new assets or loans or anything? Credit cards, personal loans?","start_word":3525,"end_word":3552,"intents":[{"intent":"Determine assets","confidence_score":0.008660979}]},{"text":"Have you got a bit of, like, a set savings per week that you're aiming for this year?","start_word":3585,"end_word":3602,"intents":[{"intent":"Determine savings goal","confidence_score":0.03176353},{"intent":"Confirm savings goals","confidence_score":0.0021116217},{"intent":"Determine savings goals","confidence_score":0.11567654}]},{"text":"easy That's to access. what we always run into. Yeah.","start_word":3704,"end_word":3713,"intents":[{"intent":"Access cash","confidence_score":0.6138013}]},{"text":"what we always run into. Yeah.","start_word":3708,"end_word":3713,"intents":[{"intent":"Access funds","confidence_score":0.03433417}]},{"text":"And I said, Jack, just set up a different bank account at this point because you just you you you keep touching it. And he he started sending money to his mom, and he Yeah.","start_word":3748,"end_word":3782,"intents":[{"intent":"Set up bank account","confidence_score":0.2176795}]},{"text":"he's been able to build up about $15 now, so he's also saving for his first house. Yeah.","start_word":3805,"end_word":3822,"intents":[{"intent":"Help with savings","confidence_score":0.002076029}]},{"text":"I I can't save much there. But on the other week, I get, like, I don't know, sometimes, like, $700 extra, like, so if I could put that away and just live off my base, then that's, like, that's my plan anyway.","start_word":3878,"end_word":3919,"intents":[{"intent":"Discuss plan to live off base","confidence_score":0.0000045552624}]},{"text":"So I'm gonna go and sort out with my local bank and just say, like, look. I wanna be able to put money in here, but not take it out unless I actually come into the bank. Like, Yeah.","start_word":3931,"end_word":3969,"intents":[{"intent":"Solve account issue with local bank","confidence_score":0.00003502176}]},{"text":"when we do our reviews with you, we'll touch base and see how you're going. Yep.","start_word":4119,"end_word":4134,"intents":[{"intent":"Plan financial review","confidence_score":0.0030017602}]}]},"sentiments":{"segments":[{"text":"Hello? Kim speaking. Good morning, Kim. It's Tommy here, senior adviser from Oakview Financial. How are you doing today? Yeah.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.2108728140592575},{"text":"Good. Thanks. How are you? I'm doing fantastic. Thank you for asking.","start_word":20,"end_word":31,"sentiment":"positive","sentiment_score":0.5893661975860596},{"text":"I just wanted to start by just letting you know that Veronica was scheduled to give you a call this morning, and Yeah. she's ill today. So I wanted to jump in and assist you. Yeah. Awesome. Okay. Yep. No worries.","start_word":32,"end_word":72,"sentiment":"neutral","sentiment_score":0.047059740871191025},{"text":"Perfect.","start_word":73,"end_word":73,"sentiment":"positive","sentiment_score":0.34402918815612793},{"text":"Usual process. Just wanted to make sure you're okay for this call to be recorded. Yep. Perfect. And do you recall, for security purposes, your client password? Paris. That's the one.","start_word":74,"end_word":104,"sentiment":"neutral","sentiment_score":0.10185008496046066},{"text":"Thank you so much for that, Kim. Appreciate it.","start_word":105,"end_word":113,"sentiment":"positive","sentiment_score":0.6439836025238037},{"text":"I've just been going through the notes this morning before this call, and I wanted to basically have a chat to you about two things, Yep. your beneficiaries and Yep. the portfolio for your Hub 20 four super. Is that kind of the two main things that you wanted to talk about? Yeah. I believe so. Yep. Perfect. Perfect. So I'll start with the nice and easy one with the beneficiaries, if that's okay. Seems like you're trying to do a little bit of a split between the family to make sure the kids are looked after, that kind of thing. Is that right? Yep. Yeah. Yeah. Awesome. So one of the things I wanted to check with you, there's a couple of ideas on how you can do this because I'm just having a look at the notes now. Let me just make sure I've got this one right. Yep. We've got Logan and Tyson, and you Yep. wanna kind of get them a little bit of a split of, like, the super funds, life insurance, and so on. Yeah. Yep. Yep. Yeah. Yeah. So because Logan's 19, but Carson's only four. So Yes. I was thinking of, like, I was thinking, like, of splitting like, maybe going putting my brother down for half and then the boys, like, can get 25 each until, like I don't know. Until they're of, like, the age of 25 or something. Yeah. Yeah. Okay.","start_word":114,"end_word":355,"sentiment":"neutral","sentiment_score":0.07043283488909322},{"text":"There is definitely a way to do that.","start_word":356,"end_word":363,"sentiment":"positive","sentiment_score":0.468071311712265},{"text":"So when it comes to, like, minor children, for example, would your brother be the person who would eventually be their guardian, would you say? Yeah.","start_word":364,"end_word":389,"sentiment":"neutral","sentiment_score":0.1359877735376358},{"text":"Yeah. Perfect. Yep.","start_word":390,"end_word":392,"sentiment":"positive","sentiment_score":0.48478537797927856},{"text":"So let's say, just for example, you were to split fifty fifty between the two children. Right? Yep. The 50% for your youngest would essentially be controlled by whoever their guardian is on Yep. their behalf. Oh, okay. K? Yep. Yep. Now when it comes to beneficiary nominations, they've got these CISACT restrictions on who can be a valid beneficiary. So most of the time, it's basically a partner or a child Mhmm. or someone that you've got, like, a financial dependency relationship with. Like, you know, you're looking after your parents and they live with you, that kind of thing. Yeah. Yeah. K. Okay. But there is a way to do it. Do you currently have I'm just looking through your fact finding your your financial details. Do you currently have, like, a will in place by any chance? Yep. No. We were gonna discuss that as well, I believe. Yep. So one of the things that you can do, and this is really cool, is when you go to set up a will, you can put in place something called a testamentary trust will. And what Yep. it basically does is, like, let's say, when you pass away, that will will create Yeah. a trust fund. And what you can do is you can put, like, a superannuation in there, your cash, your life insurance, and so on, and you can then distribute out, okay. I want this to be given out as an income to the kids until they're 18 or 25, and then they Yeah. get full ownership over the funds. Oh, okay. Yep. Yep. So Yeah. that's Okay. kind of like a structure that you've gotta put in place where you just put in place this one will. You can nominate the beneficiaries for your super to go to your estate, which then gets controlled by the will. It's Yep. called an LPR nomination. It just sends Oh, it to okay. your estate. Yep. Yep. Alright. K? So I just wanted to broach that with you because there's kind of two options here. You can kind of just directly nominate the children, and then that's how the funds would be kind of allocated and whoever looks after your youngest would control the funds, Yeah. Yeah. or Yeah. you could aim it towards a will and set up, like, a a triggering trust fund. Okay. Yep. I don't know. Yeah. What would you recommend would be best? Like because I'm I'm I'm kind of in a situation at the moment.","start_word":393,"end_word":816,"sentiment":"neutral","sentiment_score":0.11138678849938344},{"text":"Carson doesn't have too much to do with his father.","start_word":817,"end_word":826,"sentiment":"negative","sentiment_score":-0.40705353021621704},{"text":"But, Yes. obviously, if I did die, like, I've asked my brother and his and my sister-in-law, and they'd like because, obviously, I'd want him to go to them, like, because, like, he doesn't really have much to do with his father at all. Yeah. Yep. Mhmm. But he is trying to be a part of his life, and the last thing I want is him to get my money, obviously. So Exactly. I yeah. So I'm kind of I don't I don't what would you suggest? Like because, obviously, he like, he's not on the birth certificate because it's been a bit of a rough trough.","start_word":827,"end_word":933,"sentiment":"neutral","sentiment_score":-0.24172908067703247},{"text":"But, like, being the father, like, I don't know what power when I'm dead. I'd have, like like, I think he might get, like, rights to Carson, like, over my brother, which will be devastating, but I still don't want him to get my money.","start_word":934,"end_word":978,"sentiment":"negative","sentiment_score":-0.41704437136650085},{"text":"So, yeah, I don't Yeah.","start_word":979,"end_word":983,"sentiment":"neutral","sentiment_score":-0.2777165472507477},{"text":"know So what's my that's exactly what I'm worried about because that happens a lot where yeah.","start_word":984,"end_word":1000,"sentiment":"negative","sentiment_score":-0.3605787456035614},{"text":"money is left to children that are under the age of 18, and then everybody comes out of the woodworks, and whoever ends up getting, like, custody gets control over your funds. And Yeah. that's exactly why we do things like a testamentary trust. Okay. Yeah. Yeah. So you've gotta Yeah. essentially do it in two steps. Right? Like, we can't submit a beneficiary to the Superfund with your brother nominated.","start_word":1001,"end_word":1071,"sentiment":"neutral","sentiment_score":-0.027523720636963844},{"text":"That would be in invalid.","start_word":1072,"end_word":1076,"sentiment":"negative","sentiment_score":-0.34338653087615967},{"text":"Yeah. So Okay. the first step would be to, like, split it between the kids so it's at least it's in place. Yep. Because let's say we did that nomination to your estate. If you don't actually set up that will, then all of your super and life insurance and all this goes to your name, and it just Yes. kinda sits there, and then everyone goes to court to try and, you know, fight over who Yeah. can can Yeah. Right. get it because there's no Yeah. will to say what happens to it. Okay. Yeah. Yeah. Alright. So what I'm Okay. saying is we basically do a two step process is you can Yep. kind of split it between the kits. And then as Yep. soon as you got that will in place, we switch it to a LPR nomination so that it can Okay. be looked after that way. We can do the LPR nomination now, but that's the risk is that it's being aimed at your estate without a will. So if you're telling me I'll get that done this year, that's okay.","start_word":1077,"end_word":1263,"sentiment":"neutral","sentiment_score":-0.06994068622589111},{"text":"If it may take a few years and a few reminders to do, I don't wanna kind of put something in place that's gonna leave you in limbo lane.","start_word":1264,"end_word":1292,"sentiment":"negative","sentiment_score":-0.36511194705963135},{"text":"Yeah. Yeah. No. Okay. Yeah. Well, okay. Let's split it between the kids, if that's what you reckon, and then, yeah, I'll do how much does it cost to do a Will? Well, Mhmm. there's a few options. So you can actually go to, like, the the post office has will kits for $25. Yeah. Outside Okay. of that, you've obviously got lawyers, which they're Yeah. not too Yeah. expensive for a simple will. And then you've also got, like, a public trustee for every state. You know, like, when you go to, like, a courthouse and and things like that, they have public trustees that do wills and powers of attorney and things like that similar to a solicitor. Yeah. Okay. Yeah. Yeah. So there's a Yeah. few options there. There's, you know, cheap will kit can get your basic one. I would go to maybe, like, call up the the Google, the public trustee for your state and give them a call and see how much Yeah. that would cost, whether it's, you know, $200 or something like that, see what Yep. it's like. Okay. Alright. Yep. So you don't do you don't offer anything like that?","start_word":1293,"end_word":1491,"sentiment":"neutral","sentiment_score":0.05016772855241694},{"text":"Or We we don't have any kind of lawyers to recommend you to.","start_word":1492,"end_word":1504,"sentiment":"negative","sentiment_score":-0.3925945460796356},{"text":"There Yeah. is, I think, Okay. one that possibly could, but I'm not sure if they kind of service nationwide. That's all. Yeah. Okay. Alright. No. No. That's alright. So I gotta look into I'll so I'll just look into doing a will in the next, what, twelve months, you say? Yep. Or Yeah. six So months? what I'm thinking is, like, if you do get it sorted relatively soon, we can do that Yep. nomination I'm thinking of. But I don't Yep.","start_word":1505,"end_word":1587,"sentiment":"neutral","sentiment_score":-0.08945564180612564},{"text":"wanna put it in place now, and then it's three years down the line and there's no will and then Yeah. limbo land.","start_word":1588,"end_word":1610,"sentiment":"negative","sentiment_score":-0.35558730363845825},{"text":"So it's really gauging up to you. Do you Okay. are you okay to do an interim nomination now and then fix it up once your will is in place, or you just wanna do that skip ahead? Yeah. Yeah. Well, I'll I'll work on giving myself six months to do the will. Yep. I'll I'll talk to I'll go I'll get some advice and whatnot because, yeah, I might have an old barrister that might be able to help me as well. So if I, yeah, if I get a will in place, then do I, what, send you a copy of that will, or what happens? No. You don't have to do that. You just have to give us a call to let us know that you've done that and Yeah. to just ask about your beneficiaries, and Yeah. then we can put in place that, you know, redo the forms with you. Okay. Yeah. Alright. Let's do that then. And Yep. even now, like, I'm googling, you're in Queensland in Kirwan, aren't you? Yep. Yep. Yep. So when I Google Queensland public trustee, like, the fourth link down, that all the links just show QPT, and, Mhmm. like, the Yep. fourth one down, which we said, out will service, and there's, like, a phone number there. Book an appointment, Okay. different physical locations you can go to, all that kind of thing. Yep.","start_word":1611,"end_word":1846,"sentiment":"neutral","sentiment_score":0.03636215999722481},{"text":"Awesome. Alright.","start_word":1847,"end_word":1848,"sentiment":"positive","sentiment_score":0.3960293531417846},{"text":"No.","start_word":1849,"end_word":1849,"sentiment":"neutral","sentiment_score":0.31606346368789673},{"text":"That sounds great. Yep. Cool.","start_word":1850,"end_word":1854,"sentiment":"positive","sentiment_score":0.4239185154438019},{"text":"So I'll put in to do the the fifty fifty split for the time being and some notes that we're gonna look for the testamentary trust will. Yep. And alright.","start_word":1855,"end_word":1884,"sentiment":"neutral","sentiment_score":0.22714725136756897},{"text":"So that's all good.","start_word":1885,"end_word":1888,"sentiment":"positive","sentiment_score":0.5049120187759399},{"text":"Alright. So the next thing, I'll put some notes in file for that. We'll send you out the forms, get that organized. Just Mhmm. with the the superannuation, so the returns of the Hub twenty four, I've been looking through your portfolio. Have you had a chance to, like, log in to your Hub twenty four much? No. I don't know my login. No. That's okay. So whenever we do these, like, reviews of investments and performance, I do a little bit of a short and long term look where I go, okay. Mhmm. How's Yep. it going for the last twelve months? How's it going for five years? Is it kind of tracking Yep. well? That kind of thing. Yeah. So you're in just to give you a bit of a recap. So you're in, like, a growth portfolio. Yeah. So that's, like, a four out of five on the risk scale, 80% of your money in shares and property. So you're still focused on trying to grow your super at this point. Yeah. Yeah. You're not high risk, but you're kind of the one below that, if that makes sense. Yeah. Yeah. Yep. Now when you're in growth, you're aiming for an average return of about eight or 9%. Like, it'll Mhmm. go up ten, fifteen, 20% a year, may go down once every seven years when there's a, you know, global financial crisis, COVID, World War three, Yeah. whatever it is. But you wanna Yeah. average out as close to 10% as you can. Does that make sense? Mhmm. Now I'm when I'm I doing, like, one percent of something. yes. So the last twelve Yeah. months, one percent. And, obviously, markets have been a bit choppy, but it Yeah. should have been a little bit higher than one. I would have Yeah. expected it to do around about six or seven given what's happened Yeah. in Right. the last twelve months. Yeah. K. Okay. Yeah. So when I look at this long term, it's it's still been hitting about nine and a half percent for the last five years, which is good, but there's a couple of red flags that I can see on your account. Mhmm. Mhmm. Now with the portfolio that we've put together for you, we've got about eight options that Yeah. are in there, and they make up your super. You know, some's in gold, some of them's in shares, some of them's in cash, some of them's in property. Does that make sense? Okay. Yeah. Yeah. Yeah.","start_word":1889,"end_word":2314,"sentiment":"neutral","sentiment_score":0.053366477649326616},{"text":"Yep. Now out of all the eight options, six of them are doing fantastic.","start_word":2315,"end_word":2328,"sentiment":"positive","sentiment_score":0.4819210469722748},{"text":"Your Yep.","start_word":2329,"end_word":2330,"sentiment":"neutral","sentiment_score":0.29619407653808594},{"text":"your gold is up 60%. It's like it's been a ridiculous year.","start_word":2331,"end_word":2342,"sentiment":"positive","sentiment_score":0.5346431136131287},{"text":"Yeah. But Yeah. Yeah. your Australian shares, like the ones that invest in, like, your Commonwealth Bank and your Rio Tinto and all of the companies in this country, that's sort of underperformed the Aussie market and the other Yeah. Australian funds that are out there. Yeah. Yeah. Normally, if it underperforms for a year, that's not really that big of a deal because it averages out, but this particular option has kind of been sort of under skirting for two years.","start_word":2343,"end_word":2424,"sentiment":"neutral","sentiment_score":-0.0780363529920578},{"text":"Yeah. I can't help. So that's my my pinpoint to say, I'm gonna have to look at replacing this spend along option that you have. The rest of them are looking good, but that one in particular is kind of weighing you down a little bit.","start_word":2425,"end_word":2470,"sentiment":"negative","sentiment_score":-0.4754408001899719},{"text":"Yeah. Yeah. Right. Yeah. K? So I would actually recommend, like, if you're comfortable with just still growing your super as it has been and and still aiming for those average returns that we're looking for, I Yeah. would at least switch a few options around. I wouldn't increase your risk or anything like that or put more money in, just kind of switch some options around for you. Yeah. Yep. Okay. Yeah.","start_word":2471,"end_word":2543,"sentiment":"neutral","sentiment_score":0.08075104653835297},{"text":"If you believe yeah. If you think that's what's gonna benefit me, definitely.","start_word":2544,"end_word":2556,"sentiment":"positive","sentiment_score":0.43676888942718506},{"text":"Yep. And we already have a few in mind. Like, I've been talking to our investment committee about some options in that Australian space because I've noticed a little bit this year since we've come back from Christmas. Yeah. I do Mhmm. just have to ask you one question. There's no right or wrong answer for this. It's really just about that feeling because I can pick a good one either way. Yeah. And the question is, if you could choose between, like, the lowest fees or paying higher investment fees to try and get a higher return, which way do Yeah. you lean personally? What would your advice be? Like, considering that my age and whatnot, do you think I could afford a bit higher investments for better gain, or do you think I'm better off taking the soft safer option? Well, your that Benelon option that I'm looking at replacing, that's in an active space, which is that Yeah. kind of high fees to get the high returns, but Yeah. it hasn't actually done that, if that makes Yeah. sense. So I what I'm saying is I can keep it in the same style and replace yeah. it like for like with another active option that has actually done that. Yeah. Oh, okay. That's got better returns, but Yes. And slightly lower fees, similar, Yep.","start_word":2557,"end_word":2783,"sentiment":"neutral","sentiment_score":0.07388264797463816},{"text":"Yeah. slightly slightly more affordable, but it's actually done really well over one, three, five, and ten years, Yep. and it would just be a straight upgrade and sidestep for you.","start_word":2784,"end_word":2814,"sentiment":"positive","sentiment_score":0.4802616238594055},{"text":"Yeah. Yeah. Okay. Yeah. Well, I suppose, yeah, let's give it a go. Yep. And what it is, like, we we always do a bit of a blend. Like, you do have a mix of low fee options and and the active options. That's Yeah. kind of our view philosophy is having, like, we call it a current satellite. You've got your steady ship in the middle and a few sled dogs that pull you along a little bit quicker. K? Yeah. Yeah. Alright. Yep. So all I'm saying is if there's no major issue where you're like, look, I wanna completely overhaul everything and go completely different style, then Yeah. I can just fix it up a little bit, and you should Yeah. be right. If you, yeah, if you can twerk it just to get a little bit more, like, that percentage, that 1% up a bit, that'd be awesome.","start_word":2815,"end_word":2966,"sentiment":"neutral","sentiment_score":0.17676043510437012},{"text":"Yeah. Perfect.","start_word":2967,"end_word":2968,"sentiment":"positive","sentiment_score":0.4209704101085663},{"text":"And the only other Because one I that think I've noted in my initial call, they were looking at getting, like, 11 to 15% or something. Like yeah. so And some of our portfolios have been doing that sort of 12 to 14, especially yeah. given what's been happening recently.","start_word":2969,"end_word":3018,"sentiment":"neutral","sentiment_score":0.08926917612552643},{"text":"So I wanna try and just get it up there.","start_word":3019,"end_word":3028,"sentiment":"positive","sentiment_score":0.4725631475448608},{"text":"Yeah. When I mentioned that benchmark of eight to nine, it's just the average for your risk level. Yeah. Yeah. Okay. That's Yeah. not Yep. to say that we're not aiming for ten, twelve, fourteen, sixteen. It just means Yeah. that you need that eight to nine to be on track for retirement. Yeah. Okay. Let's do that. Yeah. No. Definitely.","start_word":3029,"end_word":3089,"sentiment":"neutral","sentiment_score":0.050332263112068176},{"text":"Cool.","start_word":3090,"end_word":3090,"sentiment":"positive","sentiment_score":0.4281165301799774},{"text":"And the other strange thing that I've noticed, this is kind of the first time I've seen this, is you have some Mhmm. American shares, which the American shares have done really well the last twelve months. They're up, like, 16%. Yep. But this option that you've got, they've put it in, like, US dollars. And I don't know if you've seen recently, it's very strange, but the US dollar has gone kind of down given Yeah. what Trump's been up to compared to the Australian dollar. Yeah. So it's Yeah. actually Okay. messed with your performance on that one option just because it's in a different currency. Yeah. Right. Yeah. So what I'm gonna do is I'm just gonna have a talk to the investment committee about whether we can kind of we call it hedging, and it switches the currency around. A little bit of a trick under the hood for you. But at the Yep. very least, Yep. we'll get that Benelon switched out with somebody better. Yeah. Okay. Yep. Yeah. No. Definitely. Yep.","start_word":3091,"end_word":3267,"sentiment":"neutral","sentiment_score":-0.05674489215016365},{"text":"Cool.","start_word":3268,"end_word":3268,"sentiment":"positive","sentiment_score":0.43955716490745544},{"text":"Now while I do this, when we do these changes, we put it in a statement of advice again just to give you an update on, like, here in writing, this is your new portfolio we're recommending and why, and then you can Yep. kind of read off and sign if you're comfortable. Yep. Okay. Yep.","start_word":3269,"end_word":3324,"sentiment":"neutral","sentiment_score":0.17648273706436157},{"text":"Sweet.","start_word":3325,"end_word":3325,"sentiment":"positive","sentiment_score":0.43687203526496887},{"text":"Yep. So, Kim, the last thing I wanna do just before I let you go is when I put this statement of advice together, I just wanna make sure you haven't had any major changes in the details. Yep. Yep.","start_word":3326,"end_word":3365,"sentiment":"neutral","sentiment_score":0.02100445805117488},{"text":"Cool. So I'm just gonna power through these real quick.","start_word":3366,"end_word":3375,"sentiment":"positive","sentiment_score":0.39577481150627136},{"text":"Just let me know Yep. if anything's changed. Okay.","start_word":3376,"end_word":3384,"sentiment":"neutral","sentiment_score":0.11352995038032532},{"text":"Cool.","start_word":3385,"end_word":3385,"sentiment":"positive","sentiment_score":0.346127450466156},{"text":"Yep. Alright. So phone number's still the same. Your Outlook address, Kim dot Brooks, is still current. Yep. Yep. Yep. Marital status, still single. Yep. The two boys. Yep. We've got occupation wise technical officer for the Yep. Townsville City Council. Yep.","start_word":3386,"end_word":3427,"sentiment":"neutral","sentiment_score":0.08392348140478134},{"text":"Perfect.","start_word":3428,"end_word":3428,"sentiment":"positive","sentiment_score":0.40064722299575806},{"text":"Around about 80,500 per year in income, would you say? Yeah. Yeah. Yep. Perfect. Maybe a little bit more. But yeah. I'd say that's my base. That's your base. Okay. And then do you do, like, a bit of overtime that kind of pulls you above that a little bit? Yeah. Yep. Yep. I think I've been hitting around the 100 mark each year just with overtime and whatnot.","start_word":3429,"end_word":3497,"sentiment":"neutral","sentiment_score":0.097287617623806},{"text":"So Cool.","start_word":3498,"end_word":3499,"sentiment":"positive","sentiment_score":0.3408953547477722},{"text":"So base salary is there and maybe close to 100,000 for yeah. the overall. Yep. Perfect. You're still in Laguna Avenue address wise? Yep. Cool. We've got the Toyota Hilux was your main asset valued at around 45,000. Do you have any other new assets or loans or anything? Credit cards, personal loans? No. No. Nothing. I paid all that out. So Perfect. no. Was there a note here that you were looking to save Look to purchase a property? at yeah. Yep. Yep. Cool. Have you got a bit of, like, a set savings per week that you're aiming for this year? Oh, I'm just trying to do savings. Like, I'm for I'm trying to save, like, like, $20 this year. Like so my I was thinking of doing it over two years to save $40, $20 a year Okay. and whatnot. But, yeah, I'm, like yeah. I'm I'm I'm getting there because I'm getting a bit of overtime at the moment.","start_word":3500,"end_word":3662,"sentiment":"neutral","sentiment_score":0.07693203954608893},{"text":"So I I've got some cash put aside, but I need to, I don't know, put it into something that so I can't actually touch it because I find when I can touch it, that's that's the problem.","start_word":3663,"end_word":3700,"sentiment":"negative","sentiment_score":-0.3799169659614563},{"text":"Yeah. It's Yep. easy That's to access. what we always run into. Yeah. Even my my mate, he's been earning about a $100 for years doing, like, security work where he's working sixty hour weeks, and Yeah. he had nothing to show for for about six years. And I said, Jack, just set up a different bank account at this point because you just you you you keep touching it. And he he started sending money to his mom, and he Yeah. also Yeah. started sending Yeah. money to a separate, like, bank where he doesn't have Thank a card. you. Yeah. And Yeah. he's been able to build up about $15 now, so he's also saving for his first house. Yeah. No. Yeah. Anything you need to do, you know, just to make sure that you're you're rolling on and actually getting to where you wanna go. Yeah. Yeah. Because my because, like, I work so we work nine day or fortnight. And so on one one week's a Yeah. short week, so I'll like, Yeah. I I can't save much there. But on the other week, I get, like, I don't know, sometimes, like, $700 extra, like, so if I could put that away and just live off my base, then that's, like, that's my plan anyway. So but, yeah, I I do have I've got two accounts. So I'm gonna go and sort out with my local bank and just say, like, look. I wanna be able to put money in here, but not take it out unless I actually come into the bank. Like, Yeah.","start_word":3701,"end_word":3969,"sentiment":"neutral","sentiment_score":-0.06630455702543259},{"text":"I don't want and I don't have a card for that account or whatever.","start_word":3970,"end_word":3983,"sentiment":"negative","sentiment_score":-0.3636358976364136},{"text":"Well, I do for an all access, but, like, there's I've got, like, different accounts off that actual bank. So, yeah, I might actually look at doing that because I think that's the only way it's gonna be safe. Because while it's there, you can just if you can access it, it's just too convenient.","start_word":3984,"end_word":4038,"sentiment":"neutral","sentiment_score":0.13473261892795563},{"text":"It's Like too tempting and easy.","start_word":4039,"end_word":4044,"sentiment":"positive","sentiment_score":0.4571753740310669},{"text":"You click a couple yeah. of buttons and it's gone. Yeah. For sure. Whereas if you don't, Yep. you can still see it grow, which is nice, but then not be able to just easily transfer it out on NetBank or something.","start_word":4045,"end_word":4086,"sentiment":"neutral","sentiment_score":0.13334092497825625},{"text":"That's awesome. Yeah. Absolutely.","start_word":4087,"end_word":4090,"sentiment":"positive","sentiment_score":0.632114827632904},{"text":"So I'll put that down as some of the goals that we're trying to aim for 40,000 over the next two years, and we'll just kind of Yeah. when we do our reviews with you, we'll touch base and see how you're going. Yep.","start_word":4091,"end_word":4134,"sentiment":"neutral","sentiment_score":0.24809855222702024},{"text":"Perfect.","start_word":4135,"end_word":4135,"sentiment":"positive","sentiment_score":0.45388391613960266},{"text":"Do you have a little bit scroll to land savings at the moment that I can note down in your assets? Oh, I've got, like, five brands.","start_word":4136,"end_word":4162,"sentiment":"neutral","sentiment_score":0.148144468665123},{"text":"That's Perfect.","start_word":4163,"end_word":4164,"sentiment":"positive","sentiment_score":0.4329783618450165},{"text":"it. To start, always nice to have a little bit of emergency fund too. Yeah. Last couple of details, we've got you've still never gone through, like, bankruptcy or debt agreements before. No. Alright. Cool. And we're looking at putting place, like, the will and the power of attorney potentially. And health wise still smoking at Yeah. the moment? I'm actually on a program to give up. So, hopefully, Oh, nice. by by the next phone call, that'll be done.","start_word":4165,"end_word":4244,"sentiment":"neutral","sentiment_score":0.053482647985219955},{"text":"Fantastic.","start_word":4245,"end_word":4245,"sentiment":"positive","sentiment_score":0.4875778555870056},{"text":"So just to let you know, like, whenever you're 12 nicotine free, you get, like, a nonsmoker status when it comes to, like, insurances and things like that. So we'll just Yeah. keep Okay. that in mind so that when we can tag you as twelve months free, then we'll Yeah. know whether we need to update anything.","start_word":4246,"end_word":4303,"sentiment":"neutral","sentiment_score":0.1592244654893875},{"text":"Perfect.","start_word":4304,"end_word":4304,"sentiment":"positive","sentiment_score":0.4207093119621277},{"text":"Yep.","start_word":4305,"end_word":4305,"sentiment":"neutral","sentiment_score":0.25471872091293335},{"text":"Cool. That's pretty much everything that I needed.","start_word":4306,"end_word":4313,"sentiment":"positive","sentiment_score":0.45866483449935913},{"text":"Is there anything else that you would like to mix in with this advice that we're doing? No. I think that's pretty much I I don't not off the top of my head. No. Yep.","start_word":4314,"end_word":4348,"sentiment":"neutral","sentiment_score":-0.05528535693883896},{"text":"Awesome.","start_word":4349,"end_word":4349,"sentiment":"positive","sentiment_score":0.41331297159194946},{"text":"So I won't look at anything to do with, like, insurances and investments and things like that. I guess your priority at the moment is just get the super back on track, make sure your beneficiaries and will are sorted, and saving Yep. for that house. Yep.","start_word":4350,"end_word":4396,"sentiment":"neutral","sentiment_score":0.15890808403491974},{"text":"Sounds good. Awesome.","start_word":4397,"end_word":4399,"sentiment":"positive","sentiment_score":0.6419838666915894},{"text":"So what I'll do is I'll go away and put together a little bit of research about the super. I'll let Yep. Veronica know what we're doing as well just so she's aware.","start_word":4400,"end_word":4432,"sentiment":"neutral","sentiment_score":0.2795206606388092},{"text":"Perfect. And sometime over the fortnight, the team will give you a buzz just to get you booked in to go through that advice document. Awesome. Yep. No worries. Beautiful. Awesome, Thank you Kim. very much. Thank you for your time this morning. You have a fantastic day. You too. Cheers. Bye. Thank you. Bye.","start_word":4433,"end_word":4487,"sentiment":"positive","sentiment_score":0.571427047252655}],"average":{"sentiment":"neutral","sentiment_score":0.04734885034877445}}}}