{"metadata":{"transaction_key":"deprecated","request_id":"7fb4f1c4-6da4-4577-95db-56642261b437","sha256":"74ca35ed4f5f17c759d86bde9d498d17c80bb43614dc711fbc6bd17357aa59cf","created":"2026-03-04T00:59:34.972Z","duration":3336.8398,"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":12261,"output_tokens":111},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":13674,"output_tokens":13700},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":13674,"output_tokens":1022}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Darren. This is Dana from Okey Financial. How are you this morning? It's good. I had to put in to go through an annual review today. Is now still a good time there for you? Yeah. Oh, good. I'm sorry. I had a note here to say you were not long waking up. Now is it okay? Do you need a few minutes to so sorry. Oh, not a worry. Now before we jump into the call there, Darren, just to let you know, we do record these calls for quality and training purposes. Are you happy for us to proceed with that? Yep. Lovely. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm for me your full name, date of birth, and address that I should have on file. Beautiful. Lovely. Thank you so much for that. Are you on night shift at the moment, are you? Yeah. How's it all going? How's your week been so far? Yeah? Nice. You get the weekend off. Do you just work Monday to Friday? Oh, well, hopefully, you get to enjoy some days off soon. Did you get some downtime over Christmas to have a bit of a break? Yep. Yeah. Oh, well, hopefully, you get some time off fairly soon. Darren, as part of your annual review there, is there anything particular you wanted to touch base on or any questions that you had that you wanted to maybe ask me while you've got us here as well? Yeah. Of course. Right. Mhmm. Mhmm. Yeah. It's a really good question. So with the way your super is structured at the moment, you can't use the funds to purchase a home. The only way you could do that with utilizing real property is by having a self managed super fund. Inside the self managed super fund structure, that would mean that you're essentially a trustee. You're taking on more responsibility of looking after the fund and having a lot more say in what happens, but you, unfortunately, can't purchase a house that you can live in. Under the rules of having a staff on your super fund, if you were to go down that route, the investments within the house within that fund would have to be what's called an arm blank transaction, which means that you're unable to use it for your purposes. You still have to even though you're the trustee and the member, you still have to have that invested and have it, you know, rented out to someone else, not within, you know, your immediate family, not not a member of the fund because they don't let you live in a company for personal use. It has to be an investment for the future of the member of the super fund, essentially. Does that make sense? Yeah. Yeah. That's okay. With the balance you do have at the moment, it's not sort of recommended at this stage to be able to open a self managed super fund because you would need to use generally, when you are looking at purchasing a real property within a trust structure like that, you do have to have about a 20 to 30 deposit there. So we don't normally suggest anyone open up a self funded super fund unless their balance gets up to around that $300,000 mark because most of your funds do go to being locked into that property. The other aspect is generally a loan on those sorts of things are for about thirty years or so twenty to thirty years. So, you can't sort of, unlike having a property in your own name, make extra repayments to the loan. Any extra repayments that you make are considered contributions towards super, so you do have to be very careful in that aspect. So having a loan inside super does mean that you would probably have to work for a little bit longer there. But is that something you're wanting to do down the track? Are you hoping to use your super to purchase property? What's your goal with your super when you retire? Yeah. Yeah. Yeah. No. Yeah. So the the prospect of renting through retirement is a realistic sort of prospect for yourself. You think you'll need to consider the rental, like, the cost of renting long term? Yeah. Yep. That's okay. That's understandable. I'm having a look at things at the moment. So 65, you're you had a birthday in October. So you're 61 this year. You're 60 now. Is that right? Yeah. So there are some really cool strategies that we could maybe look to put in place for you to be able to help you to boost your balance there. Just having a look, and I'll give you I'm actually gonna also send you through some annual review documents. Do you have access to your emails at the moment, or would you prefer me just to go through things and you can have a look at the documents later? What would you like me to do, Darren? Yeah. That's okay. I'm I've got your email address here. It is your first so darrenvtessa@gmail.com. Is that right? Yep. Perfect. I have this sent through some annual review documents to you, so feel free to have a bit of a look at those later. I'll go through everything with you and sort of give you a bit of an update on where your super is up to. Let's touch base a bit more about your goals. I did have a bit of a look at things earlier, and then it looks like there's some advice that we can definitely look to help provide that might put you in a better position. So if you're comfortable, we'll go through this today, and then I'll go back and do some really in-depth research for you. And I can update your strategies to see where we can help and what we can do moving forward to, you know, build on that retirement for you. Would you like that? Yeah. Beautiful. Beautiful. Now your balance at the moment inside, Super, when I had a look as of yesterday's date, you had about a 180,772 and 13¢. So your balance has increased a little bit over the last twelve months, which is really good. One of the things, when I have a look at how the performance has gone over the last twelve months there so sorry. After fees, you're up by 8.43%, which is not bad in any way, shape, or form. It's actually quite a good return given the sort of balance that you do have. And when we I know some people do prefer a dollar figure as opposed to a percentage. So the return is a dollar figure after fees. It means that your super is growing by $13,968.01. That's the growth plus the income in the in the fund for the last twelve months, which is quite good. One of the things I would like to sort of look at is having a look at the underlying performance. So that is essentially what your whole portfolio has done, which is a positive sign you're up, and it's really good for the year. I'm just also having a look at the portfolio you're in as well. So sorry. My computer is a little bit slow this morning. I do apologize. Sorry. One moment. My computer is just spinning. I love technology when it wants to work. So having a look at things at the moment, it looks like we have sort of reduced your risk in the last couple of years. It looks like you may be in more of a balanced growth sort of portfolio at the moment. When I have a look at all the underlying investments that you have in your portfolio there, your everything is doing really well. Everything has shown a positive return, but just a couple of options there. Your cybersecurity is down just a little bit. That's just due to it being a bit more volatile, but your cybersecurity was added into the portfolio as more of a satellite investment. So it's one of the ones there that we do expect to have a bit more in the way of fluctuations because it is more of a niche. It's more of a it's a theme sort of investment option. We're looking at global cybersecurity, and it's you have a smaller amount of that in your portfolio. So we're aiming to kinda get greater potential benefits. So I'm not in any way, shape, or form worried about the cybersecurity side of things at the moment. It just had a little bit of a dip. The investment that I am a little bit concerned about is your Bennelong Australian Equities. So you do have a fair chunk of your portfolio in that Bennelong Australian Equities component, and it's not your only exposure into Australian Equities within this portfolio. So all your other Australian exposure has done really, really well, but Bennelong has seen a bit of a dip. And in your portfolio, it's down by about 15% there. So it is quite significantly down. I feel like it has maybe you made a little bit of an impact to your overall return for this year, and that is down because of what's happened with one of the underlying investors. I'm not sure if you follow the news a great deal with regard to the markets. Do you sort of have a look at things very often? Yeah. Yep. Yeah. No. That's okay. That's not a problem at all. And that's why I'm here for as well. Part of what I love is the educational value towards what we do. So, essentially, to give you a bit of an overview, Bennelong had one of their underlying investments, Corporate Traveler. And late last year, Corporate Traveler had a bit of an issue. They were being a bit dishonest to the market. They weren't accounting properly. So that came out when they had to report. Bennelong had to go back and reevaluate that portion of their investments, and it meant that everyone has now gone back and reevaluated Bennelong as well. So our investment committee early this year have met to decide they no longer want to hold Bennelong in the portfolios. We do feel it is really important to move everybody out of that one. So I would like to, as part of the advice, update the strategy for you, have a look at removing that and putting something else in its place. We can look at more of a Bennelong was placed in your portfolio as more of an actively managed strategy. However, Bennelong don't do a great deal of active management under the back. They haven't actually replaced many of their investments over the last couple of years since COVID, basically. They kinda hold strong on the investments as they believe in the in the fund there, and it has sort of caused them to underperform a little bit, which is a bit concerning. You're obviously working hard for your retirement, so we wanna make sure the portfolios are working hard for you too. So we can replace it with something that's a little bit more passively managed because you are older and something a bit more low cost, hopefully, reduce some of the fees within the fund for you and look at something that's got a greater past performance, which should hopefully benefit you a bit more in the future. Does that sound okay with you? Yeah. Yep. Yep. Perfect. Yeah. Yep. Of course. Yeah. Absolutely. Definitely. And would you know what age you would like to maybe stop working? What age are you sort of hoping for the full retirement aspect? No. Yep. No. Understandable. Okay. No. That's understandable. Well, I mean, how do you you're right. So sorry. Mhmm. Yes. Yeah. Absolutely. Okay. Yeah. Of course. Yeah. Yep. Yeah. Absolutely. Well, one of the really good strategies that we do have access to now, and I'm more than happy to go back and have a good look to see if this is gonna help or provide some benefit for you, is what's called a transition retirement strategy. Have you heard of this before? Yeah. Perfect. So, essentially, that's where I would have a look at what you're earning, what your take home pay looks like. If you're wanting to sort of keep your take home pay at the same level, we can look at maybe maximizing contributions in the super as much as possible. It does mean that we are then moving some money into what's called a an account based transition retirement pension account. So you would have your super account and the secondary pension account. Because you're increasing your contributions in the super as much as we possibly can to benefit you, it does sort of mean that your take home pay reduces. So if you're wanting to keep the same take home pay, we can then start to reduce some money out of super. So you put more in. You have the two accounts, and we replenish your income with some money from super. You actually end up putting in more than you're taking out because the tax inside super is less than your marginal tax rate normally. But you get to pay have the same take home pay. The amount you're drawing out of super is completely tax free. So it helps to give you a benefit of reducing the amount of income tax you might pay on your income, but the main benefit is of putting more money into SOFA, into that tax effective environment so it's invested for you long term. Are you open to me doing a little bit of research around that and maybe coming up with a strategy that might help you? Yeah. Yeah. Perfect. Excellent. If you want, what I can also do is I know you are in Netwealth at the moment, and when you came on board, Netwealth was a great platform. I will look at Netwealth as well as other platforms out there. If there was something to be better that provided greater benefit, are you open to me altering or moving you to another platform for your super fund, or are you sorta happy to stay in Netwealth? What's your thoughts there? I'm sorry. I'll ask all the questions you've probably never thought about. Mhmm. Yep. Yep. Yep. Yep. Yep. Absolutely. Well, if if you like, I'll go and do the research for you on Netwealth as well as the other super fund options out there to see what's gonna provide greater benefits, sort of look at the fees for you as well. I'll also look at the CGT consequences because one of the big things to consider is that you have been invested in this platform for a while in the super fund, and you've got these underlying investments there, we wanna make sure that we're not gonna, you know, cause too much of a tax consequence. Because your fund still has to do tax returns, and they pay capital gains tax and income tax on the investments within the fund every year. So I'll have a look at the super funds. I'll have a look at the investments. I'll look at the tax consequences for you, and I'll also look at that transfer time strategy to see if it's gonna provide benefit. And then I can come back and update the advice strategy for you and show you what we're gonna do to help you out. How does that sound? Yeah? Beautiful. I'll do a nice in-depth bit of research there for you, Darren. Now it does take me a little bit to put the research together. A lot of my clients are in that retirement sort of space, so I do do a lot of in-depth research there. But once I have that all ready to go, I'll come back, book you back in, and we'll go through that document together so you can see what we're recommending, why the advantages, the disadvantages, and the risks involved before you decide to take on the advice. Does that sound alright with you? Yep. Beautiful. Lovely. I've got some work to do. I love it. That's fantastic. Now I know you don't not really sure exactly what age you'd like to realistically retire, but just so I have a bit of a goal to work on, do you think you'd be sort of working towards maybe 65, 66? Do you think you'd probably be able to start working or hopefully be able to start working around age pension age? What's your sort of thoughts? Health. Yeah. Yeah. Yep. Yep. That's okay. Well, at the moment, if you're eligible too, you can also apply for the age pension at age 67. You can actually apply thirteen weeks out from that. Would you like me to work on I can look at what we expect around age 65, but then I can also look at age 67 for you. And I can also look to maybe factor in because you're already 60. We're only sort of working well, even at ten year mark. I can have a look at maybe the eligibility for age pension there as well and see that with your super, what it might look like for you and how sort of longevity wise that might provide. Does that sound okay? Yeah. Yep. Perfect. Lovely. Okay. I will add that into the list of things. That's perfect. I will look at that for you. Now the other thing to sorta consider is I know you're not really sure what kinda income you might need, but do you know roughly what sort of income are you on at the moment? Do you think you wanna keep a very similar income in retirement, or do you feel like there's a set amount that you would wanna cover for expenses? I know it's quite hard to sort of think about it. But did you want me to work on your current income amount for, you know, living expenses and rent in retirement, or what's your thoughts with the income? Yep. Yeah. Yep. That's okay. How much rent are you paying at the moment on a weekly basis? Yep. Yep. Okay. Yeah. Okay. Perfect. Well, I can just sort of use this for the moment. What's your gross or your take home pay at the moment? What are you sort of earning on a or on a weekly basis? Do you know what your income looks like? Yep. Yep. Is that your take home pay? Yep. So 1,500 to 2,200. On the average week, would you say your income's more towards that 1,500, or do you think you're up around that 2,200 more regularly? Okay. Yep. Yep. Did you did you want me to make make it so your take home pay remains around that $1,500 mark or $1,800? What would you sort of like your take home pay to be on a on a weekly basis? Fifteen 100? Yep. Perfect. So I'll keep your take home pay at that $1,500 mark. Now with your contribution, so what we'll essentially do with the research is we have a look at how much we can transfer into the pension side of things. We have to leave some money. Generally, it's about 10,000. We sometimes also have to leave the tax liability there. So we play around with how much we can move into pension and how much we leave in the accumulation side to keep your super open. Because you're still working. You want those contributions to be going in and being invested. I'll look at your take home pay trying to keep that at 1,500 and then also look at what we can put in. So what we put in will always be more than what we take out because we're putting more money in as taxed at a lower rate than our marginal tax rate, and we don't have to take as much out. So it's a little bit of a juggling ask, but we'll go back and do the research for you, try to keep that take home pay around that $1,500 mark for you, and look at what we can put into super to sort of provide that benefit for you. If it comes back that say that this strategy isn't gonna be as effective for you, it's not gonna give you the kind of growth that we're after. Is there as an alternative sort of strategy, are you comfortable putting extra money into super? Do you have much left at the end of the week, or is everything quite tight expenditure wise at the moment? Yep. Oh, nice. Wow. Yep. Yep. Yeah. Yeah. Perfect. That sounds great. Yep. Yep. Yeah. Perfect. If if that TTR strategy was not really gonna provide the greater benefit and we just wanted to look at maybe some salary sacrifice, would you be comfortable with me putting, say, 50 or $100 in on a fortnightly basis? I know it does reduce your take home pay, But would that still allow you to be able to put savings away, or do you think you'd only wanna make those contributions if we could make that extra strategy work for you so you keep your take home pay the same? What's kind of more preferable for you? Not sure. Yep. Yep. Do you want me to make it something minimal, like $50 a week or $50 a fortnight to start with? We can always then boost it up later down the track. And keeping in mind, this is only as an alternative, so I'll always go back and wanna look at that transition strategy first to see if we can really get the ball rolling for you and what we can do there. This is more just if that's not gonna provide a greater benefit as an alternative, something that we can look at to help you along with. I could start with something like $50 per fortnight there for you, and then we could always look at the benefit and kind of build on that down the track. Yep. Yep. Perfect. I will have a look at that for you. How much are you sort of trying to save out of your income on a weekly or fortnightly basis at the moment? How much are you putting away for your holiday? Yeah. Yeah. Yep. Yep. Okay. Perfect. Yep. Perfect. Perfect. Thank you for that. I'm so sorry. Lovely. And work wise, you mentioned you're down to about three days per week at the moment. Just sort of going through, I don't have down here what you do for work. What's your occupation? Oh, beautiful. Are you long distance? Or yeah. Yep. Oh, perfect. Lovely. Yeah. Wow. Yep. Yeah. Perfect. Perfect. And you also mentioned that your your partner you've got your partner there. So I've got it down that you are in a de facto relationship. Is that still correct? Yep. Perfect. And I'm so sorry. I'm probably gonna pronounce this wrong. Your partner's name, I'm gonna spell it because I'm probably gonna say it incorrectly. It's s e n e m. Is that right? Yep. Perfect. How would I pronounce the name correctly? I do apologize. Sanam. Beautiful. That's a lovely name. I knew I would probably get that wrong. I do apologize. And I'm my name's Dana. So it's spelled d a n a, and everyone gets my name wrong as well. So it's understandable. You're well, and you mentioned she's working as well? Yeah. Is she hoping to sort of retire around the same time as you, or is she planning to work longer? Is she younger than you or older? Young? Yep. Okay. Perfect. Yep. Yeah. Perfect. Well, you can always sort of work things on more of a worst case scenario saying that she's you know, if she does retire at the same time as you, this might be the the likelihood of things. Do you know what her income is at the moment or what she's earning? 900 per week? Yep. Perfect. Lovely. And do you have any sort of idea what her approximate super balance might be just for the the overall retirement side of things? If you don't, that's okay. No. No. That's okay. That's not a problem at all. Does she have super? Does she have a little bit of super? Yep. Okay. Yep. That's okay. Do you think it's more on the north side or south side of maybe a 100,000? That's okay. Yep. Yep. That's okay. Not a problem. So I'll just put down here approximate between, say, maybe 50 to a 100,000 just so we can sort of really get into the retirement side of things and sort of show you what we're hoping or expecting based on the projected outcome. And often because you are a couple, your partner's sort of circumstances can be a big part of that. And later on down the track, if you wanted me to, we could always have a chat to her as well, maybe incorporate and do some joint advice to sorta help you guys along. So but for the moment, we'll just work on this. Yeah. Absolutely. Perfect. And you guys, do you have any kids living at home? I don't I've got down here, there's no financial dependents living at home. No? Perfect. Lovely. Excellent. And I've got so three days a week. I've got your income. Everything's perfect there. Next thing to sort of consider is how just having a look at your regular so your assets and how they may have changed from we when we spoke last year. So I have done here you've got a ute. We had an asset value there of about 10,000. If you had to sell your ute, what sort of value do you think you might be able to get for that? Okay. Yep. Okay. '15. Beautiful. What kind of year is it? Okay. Perfect. Beautiful. '16. Excellent. Thank you for that. And I also had it noted here you had a boat with an asset value of about 30,000. Do you still have your boat there? Yep. Beautiful. Do you get out very often in it? Absolutely. Do you still think the Evoque and Moda sort of all combined might be still around that $30,000 mark, or might you alter that asset value at all? The same? Yep. Perfect. Excellent. I also had down here another car that you guys own. I'm sorry. It doesn't tell me what kind of car it is, but the asset value is about 15,000. Thinking about any other vehicles that you might have, would that be correct, or would you alter that value a little bit? Yep. Yep. Okay. Yeah. You could do if you wanted to access it, but we could utilize that transition retirement strategy this financial year to access a little bit of the money to cover the debt if you wanted to do it that way. And then we may be, in the next financial year, start it to maybe factor in the changes to contributions and look at that as a growth strategy. I can absolutely do that for you. Obviously, taking money out of super now without replenishing it back, it does sort of mean that you are gonna have less in super, but I can do the research around to sort of see if it's gonna provide greater growth if we start that around July. Would that be okay? Would you like me to look at that? Yeah. Yeah. How much do you yep. How much do you have owing on that car at the moment? 45,000 roughly. Yep. That's okay. So and what kind of car is it? M u x. Beautiful. They are really popular at the moment. I've spoken to lots of people who have recently purchased those. So yeah. Yeah. Yeah. Yep. Absolutely. Now under that transition retirement strategy that we sort of talked about there, if you were to sort of look at that strategy now to be able to take some funds out of super, essentially, we can access a maximum. There are maximums and minimums that we can access under this strategy on how much you can withdraw out. Essentially, we would be able to access up to 10 of the balance that we transfer into the account based pension side of things. So based on your current balance, we would have to leave generally a minimum of 10,000 behind in the accumulation side of things. So that would, based on the current balance I have at the moment, give us an estimated transfer balance of about a 170,000 there. If we then look at that sorry. Here we go. So then look at that. So it's about a $170,772.13 there, which would, at the full 10%, if you wanted to do that for this financial year, would give you access to approximately, based on the balance at the moment, of about $17,077. So just slightly. It's not quite enough to pay the car off wholly, but it would give you access to the some of those funds. It does reduce the balance now. But if you wanted to do it that way, I could look at the strategy to incorporate that now. Then we next financial year, maybe start in July, look at doing that transfer time strategy correctly. So we are drawing money out to replenish your income, but then we start to increase the contributions back to keep your take home pay relatively the same. Is that sort of what you're after? Is that does that sound like it's what you would like me to look at? Yep. Yep. Yeah. Look. It it's it's honestly not a problem to do. One of the main sort of disadvantages to doing it that way is that, obviously, with the money we are taking out now, if you do leave that money inside Super and just increase your contributions in and we do this strategy the way it's sort of intended to, you're gonna be in a greater position. However, if you take that money at now, even if we are putting contributions back in, you never actually get yourself back to the position that you would have been in had you not withdrawn. But at the same time, taking that money out of the super side of things, it is a tax free withdrawal. You are over 60. It has does help you to reduce the loan amount, and, realistically, you are paying interest on that loan because it is a car loan or a personal loan there. So the interest could certainly outweigh the the return that you might have got on that money. Paying down the loan tends to give you a more of a guaranteed rate of return. You are reducing the debt and the amount of interest you pay to the bank for that, which could, in the long term, put you in a better position because you may you know, not having that loan means it's one less thing to factor into expenses into retirement income. So it's more just about making sure that you're comfortable with that. You are taking money out of the super system to pay it back. It does mean longevity wise, there could be an effect on your super, but it's not the be all and end all. It's it's about making sure you're comfortable with that. And I can show you if you want me to. I'll do the research around it. I can show you what that looks like, how it affects you, the long term side of things, and factor in the retirement side for you for age 67 to sort of show you what we expect based on these recommendations. Any advice we provide for you, Darren, is always up to you to decide whether you're happy to take you get to decide whether you take all the recommendations, some of them or none of them, and we'll show you the advantages, the disadvantages, and the risks involved. Does that sound alright? Yeah. Yep. Perfect. Well, I can have a really good look at all of that for you. It's not a problem. Okay? Beautiful. Excellent. Perfect. It does. It does. Easy. Now the next asset I have on here is your contents. We have that valued at about 8,000. Do you feel like that's fairly comfortable? You leave that at the same amount? Yep. Beautiful. Excellent. And is there anything else that we may have missed? Any other assets or liabilities that you wanna add on here? Yep. Perfect. Lovely. Health wise, you did mention that you've dropped hours due to your sort of health. How what's sort of been happening over the last twelve months health wise? Has everything sort of changed? Or mhmm. Yep. Yeah. Yeah. Perfect. And have this lovely holiday that you're saving up for. Yeah. Beautiful. And I've also got down here that other goals moving forward. You also wanna pay down the car loan as much as possible. Is there anything else, you know, over the next sort of two to three to five or ten years that you might be wanting to achieve? Or Yep. Yep. Yeah. Yep. Absolutely. Yep. Yep. Absolutely. Not a problem. Yeah. Yep. No. Absolutely. Not an issue at all. Now the other thing I just wanted to sort of evaluate with you is just sort of double checking that you are invested correct in the right risk profile. Because other things that we can look at are if you wanted to try and get a bit more growth out of your super, we could look at taking on a bit more risk in the market. It also comes down to your comfort level as well, but taking a bit more risk in the market can open you up to greater potential returns. It's just a bit of a juggling act, and I wouldn't want you to take on too much risk than you're comfortable with because then it does mean that you risk at the time you're wanting to stop working and hopefully retire, there could be a downturn in the market. And if you chose to continue to retire, you might be cementing losses that may have occurred. So just to sort of go through just a couple of questions there to assess your risk profile, The first one is, have you ever owned direct shares? Have you ever invested in your own name before outside of Superm? Nope. Never owned shares. No? Yep. That's okay. Yep. That's absolutely okay. Not an ish. Yep. No. Absolutely. The next question here is asking, I sent it to more about inflation. So it says, how much risk do you feel you're comfortable to take when it comes to your super to get those greater potential returns? Do you think you're happy with a higher level of risk to get greater potential returns in the future? Are you comfortable with a moderate or medium amount of risk to get the best returns you can, or are you only comfortable taking on a small amount of risk to get the best returns you can possibly obtain? Yep. Yep. Yep. Perfect. Lovely. How do you think you might be feeling if you looked at your super balance in, say, the next six to twelve months and due to external market factors or what was happening in the world? If the portfolio fell and we saw maybe a 10 or 20 drop, how do you think you might be starting to feel? Yeah. Mhmm. Mhmm. Yep. That's okay. Do you think it might be a little bit con yeah. Do you think it might be a bit concerning? Do you think you'd wanna put more money in to take advantage of the market dips, or do you think you might just be calling us and asking what's happening and what can we do? Yep. Yep. Perfect. Lovely. Having a look at the sort of returns that you're after, you're trying to get the best returns you possibly can out of your super out of your portfolio. Am I right? Yeah. All good. Perfect. Well, thank you for answering those questions. Now having a bit of a look there, you sorry. The last one here I just had to ask, I do apologize. It just sort of popped up there for me, is when you think about borrowing, you're still wanting to buy property in the future. You are open to hopefully being able to buy in the future. Is that right? Yeah. Yep. Yeah. Yeah. Yep. No. That's understandable. Not a problem at all. And thank you. That's exactly right. Yeah. Yep. That is exactly right. Now as I kinda mentioned before, you are in more of a balanced growth portfolio, which generally sees about 70% of your super invested in growth assets. These are the investments that take a bit more that give us a bit more risk, that tend to give us greater returns over the longer term as well. There are things like Australian shares, international shares, listed property, and commodities. This sort of portfolio is trying to average around about six to 8% return on a yearly basis. So your return this year, while spend along has been down a little bit, is generally in line with what the expectation is of that portfolio. You still then have around about 30% in defensive investment fees of things that tend to be lower in risk, things like cash, bonds, and fixed interest. We wanna have a mix of both to diversify and spread our risk level over the portfolio. Over the course of time. Those defensive investments help to smooth out long term market fluctuations. So it's good to have some of those in there. The balanced growth portfolio, we do expect the likelihood of a negative return to be about one in six years. So it's relatively low to other portfolios. And this sort of investment portfolio suits someone who has about five years before they're wanting to access their their investment or their money. So this does suit where you are. If you are wanting to take on just a little bit more risk and maybe increase things a bit, we could always move you up into the growth portfolio that increases those growth assets by about 10%. So you see about 80% invested there. It suits someone who has at least six years before they're wanting to access super. So at the moment, you're 60. If we sort of work to 67, that does give you seven years. We wouldn't wanna keep you in that portfolio right up until the day you retire. So as you get closer, we'll start to reduce your exposure a little bit there as well and make you more defensive. But did you wanna sort of maybe look at going up and increasing that, those growth assets by 10%, maybe looking at the growth portfolio, just moving up one sort of stage there for a comfort amount, or what would you like me to do? Yep. That's that's okay. Would you like me to look at staying in the balance growth option for you at the moment, look at that trends in your time strategy, look at how that how things work for you, look at the overall retirement projection? If we find it's not gonna be enough, then we could always look at as sort of a worst case scenario, moving you up a little bit, taking on a bit more risk. Would you like me to look at it that way for you? Yep. Yeah. That's okay. It can kinda keep it sort of as a worst case scenario. So, you know, if we're not getting the outcome we're sort of after, if it's not really working, then we could always look to take on a bit more risk. But I can always just look at sort of keeping the portfolio the same and see see if it works for you that way. Okay? Yep. Beautiful. Lovely. So I've got that for you. Beautiful. Well, I've basically got everything I need at the moment to kinda go back. So just to kind of recap, we're gonna look at the super. I'll look at where you're in at the moment with Netwealth. I'll also look at the other options. I'll try to keep you in that balanced growth environment for you. As a worst case, we could always look to increase the risk down the track there. We'll look at removing the underperforming investment for you, replace it with something hopefully lower cost. I can also look at other investment profiles or portfolios that might sort of if it provides greater benefit, has maybe an option where we can be maneuvering investments for you if they're underperforming. Would you like me to look at alternative investment portfolios like that for you? Yeah. All good. The other thing I just said of I had a wanted to have a look at is you don't have any insurances. Now I know you are 60. So, realistically, if you were to pass away, I can see here that your super balance will be paid out as a benefit there. But you don't have any personal insurances, the life TPD income protection. In the event of, say, a TPD claim, we can be giving your age access super under permanent incapacity so you can make a claim on super that way. If you were to pass away, the last benefit would just be paid out of your super balance. So whatever your super balance is paid out to your beneficiary there as well. But in the event of not being able to work in the shorter term, we would again have to try and access super. And because you are 60, if you were not working, we could, you know, access super under that sort of benefit and give you some money out of there. But are you comfortable not having insurances? Are you happy to sort of continue that way? What's your thoughts around the personal insurance side of things? Yeah. Yeah. I mean, given your age because you are 60 look. And the realistic view is if you are not working, if you stop working due to your illness or whatever, you can access it. If you're over 60, not working, or dropping it. You know? Ceasing work is essentially the condition of release to access your super, so you could do so. Permanent incapacity, again, is the same sort of thing. Claiming that against your super, and that provides the benefit to you so you can access your super if you were diagnosed with some sort of disability that stopped you from working. And if you were to pass away, your super benefit is paid out to your partner or to your beneficiary as a life benefit as well. So you do sort of have those covers there without actually having insurances. The downside to not having insurances is that it is only your super that is paid out to provide that benefit. You don't have anything additional to fall back on. The benefit to not having insurance is is that you're not paying for those premiums out of your super, and that can have a long term effect on your super as well. So I just wanted to sort of make sure I'm clarifying that with you and confirm your comfort level. But did you want us to look at some sort of cover for you, or are you happy just with what you've got and just wanting to maximize super? What's your where your where's your comfort level at? Yep. Yep. Yep. That's okay. And the other thing we do have to sort of discuss is the option of trauma. So trauma is not an insurances that are paid. In SOP, you have to pay for them out of your back pocket, but trauma tends to pay out a lump sum tax free benefit in the event that you are diagnosed with, say, certain cancers, neurological conditions, Parkinson's, things like that. Did you wanna look at getting any trauma? You're happy not to have trauma as another option? Yeah. Yeah. This day should be fine. Not a problem at all. I just thought I'd have to go through those with you to sort of make sure that you're aware and understand the differences there. We always have to give you the option. That's all. So I'd like to make sure I'm giving you all the information to be able to make that decision comfortably. Okay. Perfect. So we're focusing on the super looking at ways to benefit there. I'll look at the transition retirement strategy for you. I'm looking at taking out a 10% withdrawal this year and then maybe looking at the TTR strategy moving forward. We're working on a take home pay keeping your take home pay at around that $1,500 mark per week. Is that right? Sorry. It's per week, isn't it? Your take home pay, 1,500 per week or fortnight? Per week? Per week. Yep. Perfect. Just wanna clarify that for you. And, yes, I'll go back and do all that additional research for you. If I find it's not gonna work, we could just look at salary sacrificing and seeing what that can do to help you. If there's another conversation I need to have, I'll come back and have that with you. But I've got a a lot of really good ideas that we can look at for you, some different strategies to assess, and we can update the advice document and come back and show you what that looks like so you can decide whether you're happy to take on the advice or not. Does that sound okay, Darren? Yep. Beautiful. Do you have any questions? I know I've asked you everything under the sun. I know as much about you as possible. But do you have any questions for me? Did you want me to kinda break anything further down for you? Or Yep. Beautiful. Well, if you find you do have questions, please do let me know. I have sent the annual review documents to you, which does give you a summary of your balance. It also has the internal rate of return report that we went through, giving you the returns and how your sleeper has performed. It's also got there the ongoing service agreement attached, So that's essentially just letting you know that you do pay an ongoing service fee for our services, which is 1.65% per annum. It is deducted in smaller monthly increments out of your super, and that allows us to be looking after your super, monitoring everything for you, but also updating the advice and the strategies. There's no additional fees for that. So if I can get you to run your eyes over the documents there, return those and your review documents back for us. You'll also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It outlines all the important aspects of our job, making sure that we're abiding by the corporations act specifically sorry, specifically, section nine of that. We also make sure that we abide by privacy rules and regulations, making sure to do security with you on a regular basis. And if you And if you wanna have a look through that document, it's also got a lovely picture of me in there. So you can also see what I look like and get a bit of an idea of who I am as a financial adviser. Okay? Beautiful. Beautiful. Did you have any other questions? Have I sort of touched on the points that were more important to you today? Is there anything else that might come to mind that you wanted to ask me at all? No? That's okay. If anything does happen to come to mind at any point, please do let us know. We are here, and I will always make time to take the call for you. But, yeah, I'll get started on this research. And as soon as we have it ready to go, I'll book you back in, and we'll go through the advice document together. Okay? My pleasure. Thank you so much for your time today. I appreciate it. I hope you have a lovely rest of your day. Thanks, Darren. Talk to you soon. See you later. Bye.","confidence":0.99819666,"words":[{"word":"hi","start":2.72,"end":3.12,"confidence":0.80816334,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.1209295690059662},{"word":"darren","start":3.12,"end":3.4399998,"confidence":0.98431194,"punctuated_word":"Darren.","sentiment":"neutral","sentiment_score":0.13880640268325806},{"word":"this","start":3.4399998,"end":3.6,"confidence":0.9999399,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.17582599818706512},{"word":"is","start":3.6,"end":3.6799998,"confidence":0.99956995,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1589270532131195},{"word":"dana","start":3.6799998,"end":3.9199998,"confidence":0.9309976,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.17707785964012146},{"word":"from","start":3.9199998,"end":4.16,"confidence":0.97851676,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17520523071289062},{"word":"okey","start":4.16,"end":4.56,"confidence":0.48076072,"punctuated_word":"Okey","sentiment":"neutral","sentiment_score":0.1651081740856171},{"word":"financial","start":4.56,"end":5.04,"confidence":0.99195683,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.16596341133117676},{"word":"how","start":5.04,"end":5.12,"confidence":0.9998406,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2132492363452911},{"word":"are","start":5.12,"end":5.2799997,"confidence":0.99790335,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2408486604690552},{"word":"you","start":5.2799997,"end":5.3599997,"confidence":0.99122334,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23591768741607663},{"word":"this","start":5.3599997,"end":5.6,"confidence":0.99884063,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23976700007915497},{"word":"morning","start":5.6,"end":6.1,"confidence":0.999866,"punctuated_word":"morning?","sentiment":"neutral","sentiment_score":0.2283535599708557},{"word":"it's","start":7.7599998,"end":8.0,"confidence":0.76160645,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6326808929443359},{"word":"good","start":8.0,"end":8.16,"confidence":0.99345744,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7036513090133667},{"word":"i","start":8.16,"end":8.32,"confidence":0.99990976,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4897575378417969},{"word":"had","start":8.32,"end":8.4,"confidence":0.991747,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4951542019844055},{"word":"to","start":8.4,"end":8.559999,"confidence":0.8580677,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.48258787393569946},{"word":"put","start":8.559999,"end":8.72,"confidence":0.7401139,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.3490789532661438},{"word":"in","start":8.72,"end":8.88,"confidence":0.9702889,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4237644672393799},{"word":"to","start":8.88,"end":9.04,"confidence":0.8321978,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3784063458442688},{"word":"go","start":9.04,"end":9.2,"confidence":0.9866946,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2876434624195099},{"word":"through","start":9.2,"end":9.36,"confidence":0.77763623,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.29360437393188477},{"word":"an","start":9.36,"end":9.5199995,"confidence":0.9028044,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.29581138491630554},{"word":"annual","start":9.5199995,"end":9.76,"confidence":0.9911616,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.31903669238090515},{"word":"review","start":9.76,"end":10.08,"confidence":0.9982133,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.28614097833633423},{"word":"today","start":10.08,"end":10.32,"confidence":0.9923961,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.2985912561416626},{"word":"is","start":10.32,"end":10.48,"confidence":0.9825278,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.317110538482666},{"word":"now","start":10.48,"end":10.719999,"confidence":0.99132186,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.30672013759613037},{"word":"still","start":10.719999,"end":10.88,"confidence":0.984121,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2926091253757477},{"word":"a","start":10.88,"end":11.04,"confidence":0.99494547,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3877643048763275},{"word":"good","start":11.04,"end":11.2,"confidence":0.9998017,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.375120222568512},{"word":"time","start":11.2,"end":11.44,"confidence":0.99938667,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4720473885536194},{"word":"there","start":11.44,"end":11.679999,"confidence":0.9070907,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4358882009983063},{"word":"for","start":11.679999,"end":11.84,"confidence":0.9998591,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3452523648738861},{"word":"you","start":11.84,"end":12.34,"confidence":0.99960494,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.30253809690475464},{"word":"yeah","start":14.445,"end":14.945,"confidence":0.87705445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12288668751716614},{"word":"oh","start":15.004999,"end":15.164999,"confidence":0.8282987,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.18580487370491028},{"word":"good","start":15.164999,"end":15.565,"confidence":0.97868896,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2293477803468704},{"word":"i'm","start":15.565,"end":15.724999,"confidence":0.9998301,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04917801916599274},{"word":"sorry","start":15.724999,"end":15.964999,"confidence":0.9963403,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.009174065664410593},{"word":"i","start":15.964999,"end":16.045,"confidence":0.9998834,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04123645648360253},{"word":"had","start":16.045,"end":16.205,"confidence":0.9926225,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.068418949842453},{"word":"a","start":16.205,"end":16.285,"confidence":0.9930748,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02733195759356022},{"word":"note","start":16.285,"end":16.445,"confidence":0.9986494,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.04709399119019509},{"word":"here","start":16.445,"end":16.605,"confidence":0.99892056,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.0376887209713459},{"word":"to","start":16.605,"end":16.765,"confidence":0.8870879,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.024874206632375717},{"word":"say","start":16.765,"end":16.925,"confidence":0.99895084,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.03288613632321358},{"word":"you","start":16.925,"end":17.164999,"confidence":0.995682,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01706675812602043},{"word":"were","start":17.164999,"end":17.404999,"confidence":0.9505209,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.019438080489635468},{"word":"not","start":17.404999,"end":17.645,"confidence":0.99951935,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0162818543612957},{"word":"long","start":17.645,"end":17.884998,"confidence":0.9995148,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.025475773960351944},{"word":"waking","start":17.884998,"end":18.365,"confidence":0.99015725,"punctuated_word":"waking","sentiment":"neutral","sentiment_score":-0.00409349612891674},{"word":"up","start":18.365,"end":18.865,"confidence":0.9981145,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.01446518674492836},{"word":"now","start":18.925,"end":19.164999,"confidence":0.99631727,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.014580536633729936},{"word":"is","start":19.164999,"end":19.244999,"confidence":0.8254298,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03055601939558983},{"word":"it","start":19.244999,"end":19.324999,"confidence":0.816289,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03878941386938095},{"word":"okay","start":19.324999,"end":19.645,"confidence":0.99152714,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.016658185049891472},{"word":"do","start":19.645,"end":19.805,"confidence":0.9995092,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.002604447305202484},{"word":"you","start":19.805,"end":19.965,"confidence":0.99974877,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0016576610505580902},{"word":"need","start":19.965,"end":20.125,"confidence":0.99991703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.019104616716504097},{"word":"a","start":20.125,"end":20.205,"confidence":0.999474,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.023645997047424316},{"word":"few","start":20.205,"end":20.365,"confidence":0.99984205,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.030140426009893417},{"word":"minutes","start":20.365,"end":20.685,"confidence":0.9984548,"punctuated_word":"minutes","sentiment":"neutral","sentiment_score":-0.026852358132600784},{"word":"to","start":20.685,"end":20.845,"confidence":0.6116046,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.035183075815439224},{"word":"so","start":21.085,"end":21.325,"confidence":0.985025,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.049265820533037186},{"word":"sorry","start":21.325,"end":21.825,"confidence":0.9961802,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.033879444003105164},{"word":"oh","start":23.564999,"end":24.064999,"confidence":0.91505146,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.1399492621421814},{"word":"not","start":24.204998,"end":24.365,"confidence":0.9806013,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13502225279808044},{"word":"a","start":24.365,"end":24.445,"confidence":0.682213,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11492510885000227},{"word":"worry","start":24.445,"end":24.765,"confidence":0.7507758,"punctuated_word":"worry.","sentiment":"neutral","sentiment_score":0.09415949881076811},{"word":"now","start":24.765,"end":24.925,"confidence":0.5407255,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0882837250828743},{"word":"before","start":24.925,"end":25.164999,"confidence":0.9914603,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.05107488855719566},{"word":"we","start":25.164999,"end":25.324999,"confidence":0.9041011,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06909053772687912},{"word":"jump","start":25.324999,"end":25.485,"confidence":0.9983406,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.08203063905239105},{"word":"into","start":25.485,"end":25.805,"confidence":0.9897195,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09092582762241364},{"word":"the","start":25.805,"end":25.884998,"confidence":0.9869349,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10406272113323212},{"word":"call","start":25.884998,"end":26.044998,"confidence":0.99897015,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.07726912200450897},{"word":"there","start":26.044998,"end":26.204998,"confidence":0.9868009,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.057996828109025955},{"word":"darren","start":26.204998,"end":26.445,"confidence":0.96886605,"punctuated_word":"Darren,","sentiment":"neutral","sentiment_score":0.1176639124751091},{"word":"just","start":26.445,"end":26.67,"confidence":0.9777103,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13311538100242615},{"word":"to","start":26.67,"end":26.75,"confidence":0.7198415,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10556312650442123},{"word":"let","start":26.75,"end":26.83,"confidence":0.9994653,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1170901134610176},{"word":"you","start":26.83,"end":26.91,"confidence":0.9980337,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09600792825222015},{"word":"know","start":26.91,"end":27.07,"confidence":0.83719814,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.123312346637249},{"word":"we","start":27.07,"end":27.15,"confidence":0.99826485,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12198322266340256},{"word":"do","start":27.15,"end":27.31,"confidence":0.99851865,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1233089193701744},{"word":"record","start":27.31,"end":27.63,"confidence":0.7696742,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.10201527178287506},{"word":"these","start":27.63,"end":27.87,"confidence":0.991895,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0720394030213356},{"word":"calls","start":27.87,"end":28.11,"confidence":0.99927586,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.08591867983341217},{"word":"for","start":28.11,"end":28.27,"confidence":0.998611,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07096777856349945},{"word":"quality","start":28.27,"end":28.51,"confidence":0.9997744,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.07826296985149384},{"word":"and","start":28.51,"end":28.67,"confidence":0.999376,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09464386105537416},{"word":"training","start":28.67,"end":29.07,"confidence":0.9998989,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.09601502120494844},{"word":"purposes","start":29.07,"end":29.47,"confidence":0.9970219,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.08888412266969681},{"word":"are","start":29.47,"end":29.630001,"confidence":0.9979692,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.12222380191087724},{"word":"you","start":29.630001,"end":29.79,"confidence":0.99971706,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17709222435951233},{"word":"happy","start":29.79,"end":30.03,"confidence":0.99968624,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.13897258043289185},{"word":"for","start":30.03,"end":30.19,"confidence":0.9987411,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17650797963142395},{"word":"us","start":30.19,"end":30.35,"confidence":0.99991655,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.13593782484531405},{"word":"to","start":30.35,"end":30.43,"confidence":0.998904,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14035114645957947},{"word":"proceed","start":30.43,"end":30.75,"confidence":0.998245,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.1378079503774643},{"word":"with","start":30.75,"end":30.91,"confidence":0.99988294,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1599913239479065},{"word":"that","start":30.91,"end":31.41,"confidence":0.9998503,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.1535392701625824},{"word":"yep","start":32.67,"end":33.07,"confidence":0.9910222,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14715373516082764},{"word":"lovely","start":33.07,"end":33.31,"confidence":0.99938476,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.2785661816596985},{"word":"and","start":33.31,"end":33.47,"confidence":0.99616313,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1830759346485138},{"word":"just","start":33.47,"end":33.71,"confidence":0.84149873,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1623268574476242},{"word":"to","start":33.71,"end":33.79,"confidence":0.9824875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14555802941322327},{"word":"do","start":33.79,"end":33.95,"confidence":0.98446596,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14388304948806763},{"word":"security","start":33.95,"end":34.35,"confidence":0.8561644,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.1479075253009796},{"word":"there","start":34.35,"end":34.43,"confidence":0.7837456,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.19714981317520144},{"word":"with","start":34.43,"end":34.59,"confidence":0.99905807,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13531352579593658},{"word":"you","start":34.59,"end":34.75,"confidence":0.99964833,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1387118548154831},{"word":"as","start":34.75,"end":34.83,"confidence":0.99212885,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17246800661087036},{"word":"well","start":34.83,"end":35.07,"confidence":0.99068046,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.15540611743927002},{"word":"we","start":35.07,"end":35.23,"confidence":0.9998369,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.141859233379364},{"word":"are","start":35.23,"end":35.39,"confidence":0.9997489,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14609456062316897},{"word":"discussing","start":35.39,"end":35.79,"confidence":0.9996196,"punctuated_word":"discussing","sentiment":"neutral","sentiment_score":0.1769227683544159},{"word":"your","start":35.79,"end":36.03,"confidence":0.99821776,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1234814003109932},{"word":"personal","start":36.03,"end":36.35,"confidence":0.99082184,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.12615589797496796},{"word":"information","start":36.35,"end":36.83,"confidence":0.9012792,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.13866332173347473},{"word":"so","start":36.83,"end":36.989998,"confidence":0.9987207,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12618325650691986},{"word":"i'll","start":36.989998,"end":37.07,"confidence":0.930282,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.121374249458313},{"word":"just","start":37.07,"end":37.309998,"confidence":0.99912304,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13858121633529663},{"word":"get","start":37.309998,"end":37.39,"confidence":0.99238354,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12286389619112016},{"word":"you","start":37.39,"end":37.55,"confidence":0.99077517,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1307748705148697},{"word":"to","start":37.55,"end":37.63,"confidence":0.86932343,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13785600662231445},{"word":"confirm","start":37.63,"end":38.03,"confidence":0.9964,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.1185152903199196},{"word":"for","start":38.03,"end":38.11,"confidence":0.98080647,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13454043865203855},{"word":"me","start":38.11,"end":38.35,"confidence":0.9998317,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1347225308418274},{"word":"your","start":38.35,"end":38.510002,"confidence":0.9936341,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13466350734233856},{"word":"full","start":38.510002,"end":38.67,"confidence":0.9999423,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.13360176980495453},{"word":"name","start":38.67,"end":38.91,"confidence":0.9987088,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.09692345559597015},{"word":"date","start":38.91,"end":39.07,"confidence":0.9997683,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.11692886799573898},{"word":"of","start":39.07,"end":39.15,"confidence":0.99656713,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10078801214694975},{"word":"birth","start":39.15,"end":39.39,"confidence":0.9945147,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.11991158127784728},{"word":"and","start":39.39,"end":39.55,"confidence":0.99976486,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1179805025458336},{"word":"address","start":39.55,"end":39.87,"confidence":0.99922884,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.10802850872278214},{"word":"that","start":39.87,"end":39.949997,"confidence":0.59291345,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.140180766582489},{"word":"i","start":39.949997,"end":40.03,"confidence":0.7851373,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13476228713989258},{"word":"should","start":40.03,"end":40.27,"confidence":0.995443,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.13639752566814425},{"word":"have","start":40.27,"end":40.43,"confidence":0.9993143,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10167232155799866},{"word":"on","start":40.43,"end":40.59,"confidence":0.9997191,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.086422860622406},{"word":"file","start":40.59,"end":41.09,"confidence":0.97402513,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.07830466330051422},{"word":"beautiful","start":45.715,"end":46.215,"confidence":0.8566216,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.10030892491340636},{"word":"lovely","start":48.355,"end":48.855,"confidence":0.9893519,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.2644621729850769},{"word":"thank","start":49.315002,"end":49.555,"confidence":0.98734576,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4370838403701782},{"word":"you","start":49.555,"end":49.795,"confidence":0.99974316,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44922685623168945},{"word":"so","start":49.795,"end":50.115,"confidence":0.9975083,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4850966930389404},{"word":"much","start":50.115,"end":50.435,"confidence":0.99983084,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5277475118637085},{"word":"for","start":50.435,"end":50.595,"confidence":0.999647,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5140746831893921},{"word":"that","start":50.595,"end":50.915,"confidence":0.9999398,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4461652338504791},{"word":"are","start":50.915,"end":50.995003,"confidence":0.97091055,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.15322956442832947},{"word":"you","start":50.995003,"end":51.235,"confidence":0.9974706,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13285143673419952},{"word":"on","start":51.235,"end":51.395,"confidence":0.9928845,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12755675613880155},{"word":"night","start":51.395,"end":51.555,"confidence":0.9673383,"punctuated_word":"night","sentiment":"neutral","sentiment_score":0.1991557776927948},{"word":"shift","start":51.555,"end":51.875,"confidence":0.99399745,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":0.20597706735134125},{"word":"at","start":51.875,"end":51.955,"confidence":0.997017,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09026440978050232},{"word":"the","start":51.955,"end":52.035,"confidence":0.9995813,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1566600501537323},{"word":"moment","start":52.035,"end":52.435,"confidence":0.8650396,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.16278918087482452},{"word":"are","start":52.435,"end":52.515,"confidence":0.9984915,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17979377508163452},{"word":"you","start":52.515,"end":53.015,"confidence":0.9998168,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.20339004695415497},{"word":"yeah","start":54.45,"end":54.77,"confidence":0.9833442,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09342403709888458},{"word":"how's","start":54.77,"end":55.01,"confidence":0.9879794,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.10662773251533508},{"word":"it","start":55.01,"end":55.17,"confidence":0.99770206,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11160946637392044},{"word":"all","start":55.17,"end":55.33,"confidence":0.9994709,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12401871383190156},{"word":"going","start":55.33,"end":55.57,"confidence":0.99940485,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.14151114225387573},{"word":"how's","start":55.57,"end":55.81,"confidence":0.9819598,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.1093396544456482},{"word":"your","start":55.81,"end":55.97,"confidence":0.9964371,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09057792276144028},{"word":"week","start":55.97,"end":56.21,"confidence":0.98991793,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.10383982956409454},{"word":"been","start":56.21,"end":56.45,"confidence":0.7753821,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1008627861738205},{"word":"so","start":56.45,"end":56.61,"confidence":0.9988242,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0794471874833107},{"word":"far","start":56.61,"end":57.11,"confidence":0.9998846,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.11454424262046814},{"word":"yeah","start":59.41,"end":59.91,"confidence":0.85435903,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.16729125380516052},{"word":"nice","start":60.13,"end":60.63,"confidence":0.98202085,"punctuated_word":"Nice.","sentiment":"neutral","sentiment_score":0.3011208176612854},{"word":"you","start":60.69,"end":60.85,"confidence":0.9087665,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2087036669254303},{"word":"get","start":60.85,"end":61.01,"confidence":0.99953485,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2184351235628128},{"word":"the","start":61.01,"end":61.17,"confidence":0.99935275,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19227322936058044},{"word":"weekend","start":61.17,"end":61.489998,"confidence":0.9997179,"punctuated_word":"weekend","sentiment":"neutral","sentiment_score":0.1849122941493988},{"word":"off","start":61.489998,"end":61.65,"confidence":0.8028741,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.17137093842029572},{"word":"do","start":61.65,"end":61.73,"confidence":0.5645401,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0506824404001236},{"word":"you","start":61.73,"end":61.809998,"confidence":0.999828,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07213064283132553},{"word":"just","start":61.809998,"end":61.97,"confidence":0.9991689,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06841172277927399},{"word":"work","start":61.97,"end":62.21,"confidence":0.99983025,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.06892691552639008},{"word":"monday","start":62.21,"end":62.53,"confidence":0.9998097,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.08025872707366943},{"word":"to","start":62.53,"end":62.61,"confidence":0.9818112,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08487493544816971},{"word":"friday","start":62.61,"end":63.11,"confidence":0.99962217,"punctuated_word":"Friday?","sentiment":"neutral","sentiment_score":0.09523269534111024},{"word":"oh","start":69.425,"end":69.505,"confidence":0.8633928,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.16848330199718475},{"word":"well","start":69.505,"end":69.905,"confidence":0.99509335,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2051157653331757},{"word":"hopefully","start":69.905,"end":70.225,"confidence":0.980124,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.23870903253555295},{"word":"you","start":70.225,"end":70.385,"confidence":0.9997416,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2418421357870102},{"word":"get","start":70.385,"end":70.545,"confidence":0.9987556,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2375829815864563},{"word":"to","start":70.545,"end":70.705,"confidence":0.9962386,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27432674169540405},{"word":"enjoy","start":70.705,"end":71.025,"confidence":0.999866,"punctuated_word":"enjoy","sentiment":"neutral","sentiment_score":0.3256242275238037},{"word":"some","start":71.025,"end":71.185,"confidence":0.99961156,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.31635212898254395},{"word":"days","start":71.185,"end":71.425,"confidence":0.9991523,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.31904709339141846},{"word":"off","start":71.425,"end":71.665,"confidence":0.9967726,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.2503657937049866},{"word":"soon","start":71.665,"end":71.905,"confidence":0.99645835,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.23729492723941803},{"word":"did","start":71.905,"end":72.065,"confidence":0.9995192,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.07498616725206375},{"word":"you","start":72.065,"end":72.225,"confidence":0.9998603,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09140625596046448},{"word":"get","start":72.225,"end":72.465,"confidence":0.99980897,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10632554441690444},{"word":"some","start":72.465,"end":72.625,"confidence":0.9995028,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09950437396764757},{"word":"downtime","start":72.625,"end":73.025,"confidence":0.986445,"punctuated_word":"downtime","sentiment":"neutral","sentiment_score":0.09878518432378768},{"word":"over","start":73.025,"end":73.265,"confidence":0.99874395,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08700074255466461},{"word":"christmas","start":73.265,"end":73.744995,"confidence":0.9998172,"punctuated_word":"Christmas","sentiment":"neutral","sentiment_score":0.08725310862064362},{"word":"to","start":73.744995,"end":73.905,"confidence":0.6116328,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08486303687095642},{"word":"have","start":73.905,"end":74.065,"confidence":0.99652797,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10378683358430862},{"word":"a","start":74.065,"end":74.145,"confidence":0.9995276,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08304432779550552},{"word":"bit","start":74.145,"end":74.305,"confidence":0.9998104,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10253289341926576},{"word":"of","start":74.305,"end":74.385,"confidence":0.9996001,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09251544624567032},{"word":"a","start":74.385,"end":74.465,"confidence":0.9971443,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09067488461732864},{"word":"break","start":74.465,"end":74.965,"confidence":0.9997359,"punctuated_word":"break?","sentiment":"neutral","sentiment_score":0.1025349497795105},{"word":"yep","start":77.76,"end":78.26,"confidence":0.98799276,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15311819314956665},{"word":"yeah","start":81.28,"end":81.78,"confidence":0.9988813,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16483713686466217},{"word":"oh","start":81.92,"end":82.08,"confidence":0.7715277,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.14147162437438965},{"word":"well","start":82.08,"end":82.32,"confidence":0.9915928,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.13843801617622375},{"word":"hopefully","start":82.32,"end":82.64,"confidence":0.947214,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.1668522208929062},{"word":"you","start":82.64,"end":82.799995,"confidence":0.99555135,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15667861700057983},{"word":"get","start":82.799995,"end":82.96,"confidence":0.9812484,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16783922910690308},{"word":"some","start":82.96,"end":83.2,"confidence":0.9939885,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.17538350820541382},{"word":"time","start":83.2,"end":83.44,"confidence":0.99963295,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.20278216898441315},{"word":"off","start":83.44,"end":83.6,"confidence":0.9918555,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.15966592729091644},{"word":"fairly","start":83.6,"end":84.08,"confidence":0.99540114,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.1903684139251709},{"word":"soon","start":84.08,"end":84.58,"confidence":0.9995601,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.19167928397655487},{"word":"darren","start":84.799995,"end":85.28,"confidence":0.92943007,"punctuated_word":"Darren,","sentiment":"neutral","sentiment_score":0.1360277384519577},{"word":"as","start":85.28,"end":85.44,"confidence":0.99934906,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14662005007266998},{"word":"part","start":85.44,"end":85.68,"confidence":0.9990652,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.15596143901348114},{"word":"of","start":85.68,"end":85.759995,"confidence":0.9994398,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1733412891626358},{"word":"your","start":85.759995,"end":85.92,"confidence":0.855559,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16013933718204498},{"word":"annual","start":85.92,"end":86.24,"confidence":0.9939348,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.14793138206005096},{"word":"review","start":86.24,"end":86.479996,"confidence":0.9935587,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.13790006935596466},{"word":"there","start":86.479996,"end":86.64,"confidence":0.8874463,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1363813728094101},{"word":"is","start":86.64,"end":86.799995,"confidence":0.99948126,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1273837387561798},{"word":"there","start":86.799995,"end":86.96,"confidence":0.9992248,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13123434782028198},{"word":"anything","start":86.96,"end":87.36,"confidence":0.99861705,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.15084266662597656},{"word":"particular","start":87.36,"end":87.84,"confidence":0.7092134,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.12365679442882538},{"word":"you","start":87.84,"end":88.0,"confidence":0.9979563,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11266010999679564},{"word":"wanted","start":88.0,"end":88.24,"confidence":0.9995202,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10810831934213638},{"word":"to","start":88.24,"end":88.4,"confidence":0.9974832,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11986087262630464},{"word":"touch","start":88.4,"end":88.64,"confidence":0.9998883,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.11356042325496674},{"word":"base","start":88.64,"end":88.88,"confidence":0.9916319,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.10903143882751463},{"word":"on","start":88.88,"end":89.04,"confidence":0.996774,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14166957139968872},{"word":"or","start":89.04,"end":89.2,"confidence":0.6932742,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14196479320526123},{"word":"any","start":89.2,"end":89.36,"confidence":0.9954201,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13058333098888397},{"word":"questions","start":89.36,"end":89.759995,"confidence":0.996653,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.12081139534711838},{"word":"that","start":89.759995,"end":89.92,"confidence":0.99972636,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11146356165409088},{"word":"you","start":89.92,"end":90.0,"confidence":0.99986506,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10197871923446657},{"word":"had","start":90.0,"end":90.159996,"confidence":0.94679385,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09453609585762024},{"word":"that","start":90.159996,"end":90.32,"confidence":0.99540234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11197932064533234},{"word":"you","start":90.32,"end":90.479996,"confidence":0.9997205,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09676814824342728},{"word":"wanted","start":90.479996,"end":90.72,"confidence":0.9997534,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.08674126863479614},{"word":"to","start":90.72,"end":90.88,"confidence":0.9996619,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08669815957546234},{"word":"maybe","start":90.88,"end":91.2,"confidence":0.9721168,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.08777280151844025},{"word":"ask","start":91.2,"end":91.36,"confidence":0.9991252,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.10475531220436096},{"word":"me","start":91.36,"end":91.52,"confidence":0.99942833,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.093191996216774},{"word":"while","start":91.52,"end":91.759995,"confidence":0.97203887,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.0951906070113182},{"word":"you've","start":91.759995,"end":91.92,"confidence":0.9918162,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09631272405385972},{"word":"got","start":91.92,"end":92.08,"confidence":0.99964225,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10887680947780608},{"word":"us","start":92.08,"end":92.24,"confidence":0.97929835,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.09790321439504623},{"word":"here","start":92.24,"end":92.479996,"confidence":0.9995658,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.09093376994132996},{"word":"as","start":92.479996,"end":92.56,"confidence":0.99969804,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0751432254910469},{"word":"well","start":92.56,"end":93.06,"confidence":0.999137,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.0382474884390831},{"word":"yeah","start":103.095,"end":103.494995,"confidence":0.98932874,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.058734968304634094},{"word":"of","start":103.494995,"end":103.655,"confidence":0.99927706,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.0720001757144928},{"word":"course","start":103.655,"end":104.155,"confidence":0.99939156,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.07216799259185791},{"word":"right","start":118.005005,"end":118.505005,"confidence":0.9781321,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.17043200135231018},{"word":"mhmm","start":120.725006,"end":121.225006,"confidence":0.98392427,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04802730306982994},{"word":"mhmm","start":141.475,"end":141.795,"confidence":0.91597867,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.010008130222558975},{"word":"yeah","start":141.795,"end":142.195,"confidence":0.9590709,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08869874477386475},{"word":"it's","start":142.195,"end":142.355,"confidence":0.79179335,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.19732296466827393},{"word":"a","start":142.355,"end":142.515,"confidence":0.9988992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.290466845035553},{"word":"really","start":142.515,"end":142.835,"confidence":0.9998241,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3687779903411865},{"word":"good","start":142.835,"end":142.995,"confidence":0.9998241,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.43496131896972656},{"word":"question","start":142.995,"end":143.495,"confidence":0.99804634,"punctuated_word":"question.","sentiment":"positive","sentiment_score":0.45803821086883545},{"word":"so","start":143.55501,"end":144.05501,"confidence":0.99947685,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021095670759677887},{"word":"with","start":144.115,"end":144.27501,"confidence":0.9958385,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.035963281989097595},{"word":"the","start":144.27501,"end":144.355,"confidence":0.9996643,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04261773079633713},{"word":"way","start":144.355,"end":144.595,"confidence":0.9997756,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.0057949647307395935},{"word":"your","start":144.595,"end":144.835,"confidence":0.9735762,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.026308536529541016},{"word":"super","start":144.835,"end":145.235,"confidence":0.9607073,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.013877898454666138},{"word":"is","start":145.235,"end":145.315,"confidence":0.9095099,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02443544566631317},{"word":"structured","start":145.315,"end":145.715,"confidence":0.9996779,"punctuated_word":"structured","sentiment":"neutral","sentiment_score":-0.02394481748342514},{"word":"at","start":145.715,"end":145.795,"confidence":0.986834,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04346080869436264},{"word":"the","start":145.795,"end":145.875,"confidence":0.9996624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008348964154720306},{"word":"moment","start":145.875,"end":146.27501,"confidence":0.99911344,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.06338011473417282},{"word":"you","start":146.27501,"end":146.435,"confidence":0.9999008,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18283340334892273},{"word":"can't","start":146.435,"end":146.675,"confidence":0.9998658,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.18468910455703735},{"word":"use","start":146.675,"end":146.835,"confidence":0.9997329,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.15400125086307526},{"word":"the","start":146.835,"end":146.995,"confidence":0.99220055,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17762982845306396},{"word":"funds","start":146.995,"end":147.395,"confidence":0.9982116,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.12889114022254944},{"word":"to","start":147.395,"end":147.55501,"confidence":0.9989203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2672715187072754},{"word":"purchase","start":147.55501,"end":147.955,"confidence":0.9983896,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":-0.285888671875},{"word":"a","start":147.955,"end":148.195,"confidence":0.9005914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2050189971923828},{"word":"home","start":148.195,"end":148.675,"confidence":0.99774086,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.1059545800089836},{"word":"the","start":148.675,"end":148.835,"confidence":0.9994004,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.07976379990577698},{"word":"only","start":148.835,"end":149.075,"confidence":0.9999801,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.13570375740528107},{"word":"way","start":149.075,"end":149.315,"confidence":0.9998598,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.10657984018325806},{"word":"you","start":149.315,"end":149.475,"confidence":0.9998416,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06260620057582855},{"word":"could","start":149.475,"end":149.63501,"confidence":0.999723,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.0008688867092132568},{"word":"do","start":149.63501,"end":149.795,"confidence":0.99977547,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07960977405309677},{"word":"that","start":149.795,"end":149.955,"confidence":0.9996425,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007692888379096985},{"word":"with","start":149.955,"end":150.27501,"confidence":0.9972881,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08593469113111496},{"word":"utilizing","start":150.27501,"end":150.77501,"confidence":0.99933964,"punctuated_word":"utilizing","sentiment":"neutral","sentiment_score":0.00575028732419014},{"word":"real","start":150.91501,"end":151.155,"confidence":0.9949497,"punctuated_word":"real","sentiment":"neutral","sentiment_score":-0.019541755318641663},{"word":"property","start":151.155,"end":151.655,"confidence":0.9999192,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.0561545267701149},{"word":"is","start":151.795,"end":152.035,"confidence":0.9996001,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01440824568271637},{"word":"by","start":152.035,"end":152.27501,"confidence":0.99982256,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.05860602855682373},{"word":"having","start":152.27501,"end":152.595,"confidence":0.99991834,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.0008853152394294739},{"word":"a","start":152.595,"end":152.675,"confidence":0.8518636,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014770802110433578},{"word":"self","start":152.675,"end":152.995,"confidence":0.98651123,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.03281194716691971},{"word":"managed","start":152.995,"end":153.315,"confidence":0.98456913,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.012992635369300842},{"word":"super","start":153.315,"end":153.715,"confidence":0.9951304,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.00277843326330185},{"word":"fund","start":153.715,"end":154.17,"confidence":0.9098325,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.01142698898911476},{"word":"inside","start":155.13,"end":155.45,"confidence":0.9633398,"punctuated_word":"Inside","sentiment":"neutral","sentiment_score":-0.014765851199626924},{"word":"the","start":155.45,"end":155.53,"confidence":0.9594519,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006405621767044067},{"word":"self","start":155.53,"end":155.77,"confidence":0.9845878,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.023849807679653168},{"word":"managed","start":155.77,"end":156.01,"confidence":0.97811574,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.007301822304725647},{"word":"super","start":156.01,"end":156.25,"confidence":0.9979697,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.004854567348957062},{"word":"fund","start":156.25,"end":156.56999,"confidence":0.97548056,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.014898568391799928},{"word":"structure","start":156.56999,"end":156.89,"confidence":0.98946667,"punctuated_word":"structure,","sentiment":"neutral","sentiment_score":0.02203386276960373},{"word":"that","start":156.89,"end":157.13,"confidence":0.99987817,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03442927449941635},{"word":"would","start":157.13,"end":157.29,"confidence":0.99857414,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.025624357163906097},{"word":"mean","start":157.29,"end":157.45,"confidence":0.9996903,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.0427839569747448},{"word":"that","start":157.45,"end":157.61,"confidence":0.9995034,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007638752460479736},{"word":"you're","start":157.61,"end":157.84999,"confidence":0.94218695,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01746947318315506},{"word":"essentially","start":157.84999,"end":158.17,"confidence":0.6829129,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.018233850598335263},{"word":"a","start":158.17,"end":158.25,"confidence":0.46548048,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0358441099524498},{"word":"trustee","start":158.25,"end":158.73,"confidence":0.9488469,"punctuated_word":"trustee.","sentiment":"neutral","sentiment_score":0.02184529229998589},{"word":"you're","start":158.73,"end":158.97,"confidence":0.99953413,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.004224717617034912},{"word":"taking","start":158.97,"end":159.20999,"confidence":0.9993954,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.038380347192287445},{"word":"on","start":159.20999,"end":159.37,"confidence":0.70624334,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.027435824275016785},{"word":"more","start":159.37,"end":159.69,"confidence":0.99911994,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.01561439037322998},{"word":"responsibility","start":159.69,"end":160.17,"confidence":0.9985946,"punctuated_word":"responsibility","sentiment":"neutral","sentiment_score":0.05051212012767792},{"word":"of","start":160.17,"end":160.33,"confidence":0.9981192,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034778133034706116},{"word":"looking","start":160.33,"end":160.65,"confidence":0.9994105,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.05011920630931854},{"word":"after","start":160.65,"end":160.81,"confidence":0.8558589,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.041812002658843994},{"word":"the","start":160.81,"end":160.97,"confidence":0.9963414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014579512178897858},{"word":"fund","start":160.97,"end":161.20999,"confidence":0.98766285,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.043768078088760376},{"word":"and","start":161.20999,"end":161.29,"confidence":0.9863644,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019453860819339752},{"word":"having","start":161.29,"end":161.53,"confidence":0.99934417,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.0179903507232666},{"word":"a","start":161.53,"end":161.61,"confidence":0.99968815,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.011777248233556747},{"word":"lot","start":161.61,"end":161.77,"confidence":0.99883777,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.013263270258903503},{"word":"more","start":161.77,"end":162.01,"confidence":0.9993839,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.024345502257347107},{"word":"say","start":162.01,"end":162.17,"confidence":0.85521615,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.022237002849578857},{"word":"in","start":162.17,"end":162.25,"confidence":0.8298305,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02006492018699646},{"word":"what","start":162.25,"end":162.48999,"confidence":0.99954623,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.027120165526866913},{"word":"happens","start":162.48999,"end":162.89,"confidence":0.79353875,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":-0.02915918081998825},{"word":"but","start":162.89,"end":163.39,"confidence":0.9994286,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12527503073215485},{"word":"you","start":163.53,"end":163.69,"confidence":0.7764828,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.2816131114959717},{"word":"unfortunately","start":163.69,"end":164.17,"confidence":0.99976647,"punctuated_word":"unfortunately,","sentiment":"negative","sentiment_score":-0.43879178166389465},{"word":"can't","start":164.17,"end":164.48999,"confidence":0.99976313,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.48330509662628174},{"word":"purchase","start":164.48999,"end":164.81,"confidence":0.99728477,"punctuated_word":"purchase","sentiment":"negative","sentiment_score":-0.5315496921539307},{"word":"a","start":164.81,"end":164.97,"confidence":0.56257933,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5459195375442505},{"word":"house","start":164.97,"end":165.20999,"confidence":0.999432,"punctuated_word":"house","sentiment":"negative","sentiment_score":-0.43530288338661194},{"word":"that","start":165.20999,"end":165.45,"confidence":0.9889985,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.37819862365722656},{"word":"you","start":165.45,"end":165.53,"confidence":0.9998702,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4360193610191345},{"word":"can","start":165.53,"end":165.77,"confidence":0.9997516,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.44978487491607666},{"word":"live","start":165.77,"end":166.01,"confidence":0.99966514,"punctuated_word":"live","sentiment":"negative","sentiment_score":-0.5198807120323181},{"word":"in","start":166.01,"end":166.425,"confidence":0.98531383,"punctuated_word":"in.","sentiment":"negative","sentiment_score":-0.4521901309490204},{"word":"under","start":166.905,"end":167.30501,"confidence":0.9909055,"punctuated_word":"Under","sentiment":"neutral","sentiment_score":-0.19361312687397003},{"word":"the","start":167.30501,"end":167.465,"confidence":0.9999248,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14988411962985992},{"word":"rules","start":167.465,"end":167.785,"confidence":0.9973961,"punctuated_word":"rules","sentiment":"neutral","sentiment_score":-0.1860680729150772},{"word":"of","start":167.785,"end":167.945,"confidence":0.9992126,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1697976291179657},{"word":"having","start":167.945,"end":168.265,"confidence":0.99979895,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.20724846422672272},{"word":"a","start":168.265,"end":168.345,"confidence":0.8777699,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21187171339988708},{"word":"staff","start":168.345,"end":168.505,"confidence":0.77925724,"punctuated_word":"staff","sentiment":"neutral","sentiment_score":-0.2070533186197281},{"word":"on","start":168.505,"end":168.66501,"confidence":0.80264467,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.14010779559612274},{"word":"your","start":168.66501,"end":168.825,"confidence":0.9154259,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.21651233732700348},{"word":"super","start":168.825,"end":169.065,"confidence":0.83856493,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.16043518483638763},{"word":"fund","start":169.065,"end":169.38501,"confidence":0.9076019,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.10079659521579742},{"word":"if","start":169.38501,"end":169.545,"confidence":0.99889034,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.22826892137527463},{"word":"you","start":169.545,"end":169.705,"confidence":0.99990594,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.28405827283859253},{"word":"were","start":169.705,"end":169.945,"confidence":0.99784017,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.2430393546819687},{"word":"to","start":169.945,"end":170.105,"confidence":0.9985275,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2864874303340912},{"word":"go","start":170.105,"end":170.345,"confidence":0.99985886,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.29294073581695557},{"word":"down","start":170.345,"end":170.585,"confidence":0.99980825,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.2973089814186096},{"word":"that","start":170.585,"end":170.905,"confidence":0.9997882,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.29535749554634094},{"word":"route","start":170.905,"end":171.405,"confidence":0.99525595,"punctuated_word":"route,","sentiment":"neutral","sentiment_score":-0.2926566004753113},{"word":"the","start":171.945,"end":172.425,"confidence":0.94497305,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3908016383647918},{"word":"investments","start":172.425,"end":172.925,"confidence":0.98693174,"punctuated_word":"investments","sentiment":"negative","sentiment_score":-0.3751364052295685},{"word":"within","start":172.985,"end":173.38501,"confidence":0.97541,"punctuated_word":"within","sentiment":"negative","sentiment_score":-0.3508310914039612},{"word":"the","start":173.38501,"end":173.625,"confidence":0.76864827,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3976767659187317},{"word":"house","start":173.625,"end":173.945,"confidence":0.98757917,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.3038361072540283},{"word":"within","start":173.945,"end":174.185,"confidence":0.61623484,"punctuated_word":"within","sentiment":"negative","sentiment_score":-0.3557083308696747},{"word":"that","start":174.185,"end":174.425,"confidence":0.9977945,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.34259849786758423},{"word":"fund","start":174.425,"end":174.66501,"confidence":0.99390584,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.23464412987232208},{"word":"would","start":174.66501,"end":174.905,"confidence":0.9968892,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.39487016201019287},{"word":"have","start":174.905,"end":175.065,"confidence":0.99951434,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3919757306575775},{"word":"to","start":175.065,"end":175.145,"confidence":0.998604,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4293270409107208},{"word":"be","start":175.145,"end":175.30501,"confidence":0.99860424,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3533649444580078},{"word":"what's","start":175.30501,"end":175.545,"confidence":0.9516331,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.32993340492248535},{"word":"called","start":175.545,"end":175.785,"confidence":0.997271,"punctuated_word":"called","sentiment":"negative","sentiment_score":-0.33668047189712524},{"word":"an","start":175.785,"end":175.945,"confidence":0.9973078,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.4145618677139282},{"word":"arm","start":175.945,"end":176.185,"confidence":0.599326,"punctuated_word":"arm","sentiment":"negative","sentiment_score":-0.4799575209617615},{"word":"blank","start":176.185,"end":176.585,"confidence":0.78904694,"punctuated_word":"blank","sentiment":"negative","sentiment_score":-0.5166001915931702},{"word":"transaction","start":176.585,"end":177.085,"confidence":0.96935445,"punctuated_word":"transaction,","sentiment":"negative","sentiment_score":-0.419916570186615},{"word":"which","start":177.545,"end":177.705,"confidence":0.99988794,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.45633500814437866},{"word":"means","start":177.705,"end":177.945,"confidence":0.9998368,"punctuated_word":"means","sentiment":"negative","sentiment_score":-0.4545847773551941},{"word":"that","start":177.945,"end":178.105,"confidence":0.83256054,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4068688750267029},{"word":"you're","start":178.105,"end":178.345,"confidence":0.99498916,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.4404181838035583},{"word":"unable","start":178.345,"end":178.825,"confidence":0.99965763,"punctuated_word":"unable","sentiment":"negative","sentiment_score":-0.4690911173820496},{"word":"to","start":178.825,"end":178.985,"confidence":0.9984023,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4189903140068054},{"word":"use","start":178.985,"end":179.225,"confidence":0.9996724,"punctuated_word":"use","sentiment":"negative","sentiment_score":-0.35520780086517334},{"word":"it","start":179.225,"end":179.38501,"confidence":0.9970131,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3788231909275055},{"word":"for","start":179.38501,"end":179.625,"confidence":0.9971718,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4002559781074524},{"word":"your","start":179.625,"end":179.865,"confidence":0.9997218,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5527389049530029},{"word":"purposes","start":179.865,"end":180.365,"confidence":0.9586921,"punctuated_word":"purposes.","sentiment":"negative","sentiment_score":-0.436909019947052},{"word":"you","start":180.69,"end":180.93001,"confidence":0.99968195,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2804790139198303},{"word":"still","start":180.93001,"end":181.17,"confidence":0.99941325,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.25869643688201904},{"word":"have","start":181.17,"end":181.41,"confidence":0.99957114,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2476850003004074},{"word":"to","start":181.41,"end":181.57,"confidence":0.99719584,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2836436629295349},{"word":"even","start":181.65001,"end":181.89,"confidence":0.999564,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.25606995820999146},{"word":"though","start":181.89,"end":182.05,"confidence":0.99787104,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.2207914292812347},{"word":"you're","start":182.05,"end":182.29001,"confidence":0.96590734,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.20257914066314697},{"word":"the","start":182.29001,"end":182.45,"confidence":0.99674535,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20735636353492737},{"word":"trustee","start":182.45,"end":182.93001,"confidence":0.99587363,"punctuated_word":"trustee","sentiment":"neutral","sentiment_score":-0.13065582513809204},{"word":"and","start":182.93001,"end":183.17,"confidence":0.9996563,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19004592299461365},{"word":"the","start":183.17,"end":183.25,"confidence":0.9968592,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20067837834358215},{"word":"member","start":183.25,"end":183.75,"confidence":0.9985002,"punctuated_word":"member,","sentiment":"neutral","sentiment_score":-0.19478389620780945},{"word":"you","start":184.29001,"end":184.53,"confidence":0.7244498,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24171270430088043},{"word":"still","start":184.53,"end":184.93001,"confidence":0.9993864,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.2264706939458847},{"word":"have","start":184.93001,"end":185.09,"confidence":0.9976301,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.21362444758415225},{"word":"to","start":185.09,"end":185.33,"confidence":0.9993001,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25724759697914124},{"word":"have","start":185.33,"end":185.49,"confidence":0.999926,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.22862966358661652},{"word":"that","start":185.49,"end":185.97,"confidence":0.99969864,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.24314609169960025},{"word":"invested","start":185.97,"end":186.47,"confidence":0.99970824,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.14046522974967957},{"word":"and","start":187.25,"end":187.57,"confidence":0.9460219,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22243738174438477},{"word":"have","start":187.57,"end":187.81,"confidence":0.9991716,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2177332490682602},{"word":"it","start":187.81,"end":188.05,"confidence":0.99761796,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.17219379544258118},{"word":"you","start":188.05,"end":188.21,"confidence":0.9999114,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2243613600730896},{"word":"know","start":188.21,"end":188.71,"confidence":0.9998447,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1875687539577484},{"word":"rented","start":188.85,"end":189.33,"confidence":0.99754864,"punctuated_word":"rented","sentiment":"neutral","sentiment_score":-0.18393802642822263},{"word":"out","start":189.33,"end":189.57,"confidence":0.9991443,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.17743465304374695},{"word":"to","start":189.57,"end":189.81,"confidence":0.99860746,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10226309299468994},{"word":"someone","start":189.81,"end":190.31,"confidence":0.9999064,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.13687843084335327},{"word":"else","start":190.37,"end":190.87,"confidence":0.8748733,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":-0.10496102273464204},{"word":"not","start":190.93001,"end":191.17,"confidence":0.9990747,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10840208828449248},{"word":"within","start":191.17,"end":191.57,"confidence":0.98768127,"punctuated_word":"within,","sentiment":"neutral","sentiment_score":-0.13562718033790588},{"word":"you","start":191.57,"end":191.73,"confidence":0.9976343,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13639043271541595},{"word":"know","start":191.73,"end":191.81,"confidence":0.99972284,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1548740565776825},{"word":"your","start":191.81,"end":192.05,"confidence":0.9989524,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17006081342697144},{"word":"immediate","start":192.05,"end":192.45,"confidence":0.9994936,"punctuated_word":"immediate","sentiment":"neutral","sentiment_score":-0.1431201696395874},{"word":"family","start":192.45,"end":192.77,"confidence":0.85923433,"punctuated_word":"family,","sentiment":"neutral","sentiment_score":-0.14858749508857727},{"word":"not","start":192.77,"end":193.27,"confidence":0.9893255,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13433656096458435},{"word":"not","start":193.565,"end":193.885,"confidence":0.70786864,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.19394584000110623},{"word":"a","start":193.885,"end":193.965,"confidence":0.9992137,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1854023039340973},{"word":"member","start":193.965,"end":194.465,"confidence":0.9985966,"punctuated_word":"member","sentiment":"neutral","sentiment_score":-0.2532743513584137},{"word":"of","start":194.845,"end":195.085,"confidence":0.99918765,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23218734562397003},{"word":"the","start":195.085,"end":195.245,"confidence":0.9997117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2042877972126007},{"word":"fund","start":195.245,"end":195.745,"confidence":0.9342732,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.18964898586273193},{"word":"because","start":196.365,"end":196.685,"confidence":0.52773976,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.15121623873710632},{"word":"they","start":196.685,"end":196.845,"confidence":0.9829816,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.21258090436458588},{"word":"don't","start":196.845,"end":197.005,"confidence":0.9998994,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.25913262367248535},{"word":"let","start":197.005,"end":197.165,"confidence":0.9952122,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.3238399028778076},{"word":"you","start":197.165,"end":197.325,"confidence":0.9996288,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2912207245826721},{"word":"live","start":197.325,"end":197.565,"confidence":0.9855165,"punctuated_word":"live","sentiment":"negative","sentiment_score":-0.37309980392456055},{"word":"in","start":197.565,"end":197.725,"confidence":0.94729984,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3425433933734894},{"word":"a","start":197.725,"end":197.805,"confidence":0.53835845,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.31021466851234436},{"word":"company","start":197.805,"end":198.205,"confidence":0.85687923,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.31785720586776733},{"word":"for","start":198.205,"end":198.445,"confidence":0.99332386,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2687263488769531},{"word":"personal","start":198.445,"end":198.845,"confidence":0.9976428,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.2238399088382721},{"word":"use","start":198.845,"end":199.245,"confidence":0.9880964,"punctuated_word":"use.","sentiment":"neutral","sentiment_score":-0.19577740132808685},{"word":"it","start":199.245,"end":199.405,"confidence":0.99558485,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.05291850119829178},{"word":"has","start":199.405,"end":199.565,"confidence":0.9997583,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.08063966035842896},{"word":"to","start":199.565,"end":199.725,"confidence":0.9994955,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.054225921630859375},{"word":"be","start":199.725,"end":200.225,"confidence":0.99971324,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06041964888572693},{"word":"an","start":200.365,"end":200.605,"confidence":0.99140793,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04816015064716339},{"word":"investment","start":200.605,"end":201.105,"confidence":0.9998871,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0339592769742012},{"word":"for","start":201.405,"end":201.905,"confidence":0.999691,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07217100262641907},{"word":"the","start":202.045,"end":202.205,"confidence":0.9993718,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03421299159526825},{"word":"future","start":202.205,"end":202.685,"confidence":0.9970594,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.05965691804885864},{"word":"of","start":202.685,"end":202.845,"confidence":0.9997924,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03521113842725754},{"word":"the","start":202.845,"end":203.005,"confidence":0.99616146,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0026345402002334595},{"word":"member","start":203.005,"end":203.325,"confidence":0.9992874,"punctuated_word":"member","sentiment":"neutral","sentiment_score":-0.01858929544687271},{"word":"of","start":203.325,"end":203.565,"confidence":0.997422,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022183522582054135},{"word":"the","start":203.565,"end":203.725,"confidence":0.9976351,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026451028883457184},{"word":"super","start":203.725,"end":204.045,"confidence":0.57117784,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.029452361166477203},{"word":"fund","start":204.045,"end":204.445,"confidence":0.65115786,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.001299891620874405},{"word":"essentially","start":204.445,"end":204.925,"confidence":0.99958813,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":-0.0018931006779894233},{"word":"does","start":204.925,"end":205.165,"confidence":0.9993839,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.04693104699254036},{"word":"that","start":205.165,"end":205.405,"confidence":0.99987054,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06055805459618568},{"word":"make","start":205.405,"end":205.565,"confidence":0.99262685,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.017966806888580322},{"word":"sense","start":205.565,"end":206.065,"confidence":0.9997541,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.04930618777871132},{"word":"yeah","start":207.9,"end":208.4,"confidence":0.9980148,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07597938925027847},{"word":"yeah","start":210.78,"end":211.28,"confidence":0.9989991,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022114839404821396},{"word":"that's","start":211.5,"end":211.82,"confidence":0.9943198,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07377099245786667},{"word":"okay","start":211.82,"end":212.22,"confidence":0.9944712,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.055690206587314606},{"word":"with","start":212.22,"end":212.38,"confidence":0.99889094,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.21095210313796997},{"word":"the","start":212.38,"end":212.54001,"confidence":0.99961615,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2792145907878876},{"word":"balance","start":212.54001,"end":212.86,"confidence":0.9994398,"punctuated_word":"balance","sentiment":"negative","sentiment_score":-0.3712789118289947},{"word":"you","start":212.86,"end":213.02,"confidence":0.9219442,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2496756911277771},{"word":"do","start":213.02,"end":213.1,"confidence":0.99944955,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.22223304212093353},{"word":"have","start":213.1,"end":213.34,"confidence":0.99930084,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.23925018310546875},{"word":"at","start":213.34,"end":213.5,"confidence":0.99590117,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3648395538330078},{"word":"the","start":213.5,"end":213.58,"confidence":0.99958736,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2926037609577179},{"word":"moment","start":213.58,"end":213.9,"confidence":0.9881298,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.23334933817386627},{"word":"it's","start":213.9,"end":214.14,"confidence":0.79778886,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3873850703239441},{"word":"not","start":214.14,"end":214.3,"confidence":0.9991999,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5140465497970581},{"word":"sort","start":214.3,"end":214.54001,"confidence":0.9772046,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.39700427651405334},{"word":"of","start":214.54001,"end":215.04001,"confidence":0.9995881,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4473462998867035},{"word":"recommended","start":215.26,"end":215.76,"confidence":0.81783205,"punctuated_word":"recommended","sentiment":"negative","sentiment_score":-0.36500805616378784},{"word":"at","start":215.82,"end":215.9,"confidence":0.9798591,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.4649510681629181},{"word":"this","start":215.9,"end":216.14,"confidence":0.9733887,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.5023893117904663},{"word":"stage","start":216.14,"end":216.3,"confidence":0.98605496,"punctuated_word":"stage","sentiment":"negative","sentiment_score":-0.44873905181884766},{"word":"to","start":216.3,"end":216.46,"confidence":0.9975921,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4383777976036072},{"word":"be","start":216.46,"end":216.62,"confidence":0.99977523,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.347004234790802},{"word":"able","start":216.62,"end":216.86,"confidence":0.99872833,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.33689814805984497},{"word":"to","start":216.86,"end":216.94,"confidence":0.99921095,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3980382382869721},{"word":"open","start":216.94,"end":217.26,"confidence":0.99934846,"punctuated_word":"open","sentiment":"negative","sentiment_score":-0.3424188792705536},{"word":"a","start":217.26,"end":217.34,"confidence":0.63532186,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3800736367702484},{"word":"self","start":217.34,"end":217.58,"confidence":0.6124088,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.26652127504348755},{"word":"managed","start":217.58,"end":217.9,"confidence":0.44619948,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.177491694688797},{"word":"super","start":217.9,"end":218.22,"confidence":0.99414486,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.12628073990345},{"word":"fund","start":218.22,"end":218.38,"confidence":0.9928763,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.18426871299743652},{"word":"because","start":218.38,"end":218.7,"confidence":0.81898344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.27662551403045654},{"word":"you","start":218.7,"end":218.86,"confidence":0.9992884,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.35391753911972046},{"word":"would","start":218.86,"end":219.1,"confidence":0.999553,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.33512553572654724},{"word":"need","start":219.1,"end":219.26,"confidence":0.9996822,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.2962286174297333},{"word":"to","start":219.26,"end":219.42,"confidence":0.99912125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2629903256893158},{"word":"use","start":219.42,"end":219.66,"confidence":0.9996308,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.1613918095827103},{"word":"generally","start":219.82,"end":220.22,"confidence":0.977942,"punctuated_word":"generally,","sentiment":"neutral","sentiment_score":-0.21686214208602905},{"word":"when","start":220.22,"end":220.46,"confidence":0.99782443,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.2314348667860031},{"word":"you","start":220.46,"end":220.7,"confidence":0.99382555,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3229619860649109},{"word":"are","start":220.7,"end":220.86,"confidence":0.98287475,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2290031611919403},{"word":"looking","start":220.86,"end":221.18001,"confidence":0.9935529,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.2073650360107422},{"word":"at","start":221.18001,"end":221.34,"confidence":0.97527605,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.27684104442596436},{"word":"purchasing","start":221.34,"end":221.745,"confidence":0.69486356,"punctuated_word":"purchasing","sentiment":"neutral","sentiment_score":-0.16199152171611786},{"word":"a","start":221.745,"end":221.985,"confidence":0.96309066,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19695830345153809},{"word":"real","start":221.985,"end":222.14499,"confidence":0.99963534,"punctuated_word":"real","sentiment":"neutral","sentiment_score":-0.0938720479607582},{"word":"property","start":222.14499,"end":222.64499,"confidence":0.99971074,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.05573438853025437},{"word":"within","start":222.94499,"end":223.265,"confidence":0.6812962,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.14475955069065094},{"word":"a","start":223.265,"end":223.42499,"confidence":0.9941888,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2688182294368744},{"word":"trust","start":223.42499,"end":223.745,"confidence":0.9866449,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":-0.08788587898015976},{"word":"structure","start":223.745,"end":224.14499,"confidence":0.99901545,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":-0.1696267127990723},{"word":"like","start":224.14499,"end":224.385,"confidence":0.9950848,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.27143946290016174},{"word":"that","start":224.385,"end":224.625,"confidence":0.9963592,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.27564653754234314},{"word":"you","start":224.625,"end":224.78499,"confidence":0.99980885,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.30511510372161865},{"word":"do","start":224.78499,"end":224.94499,"confidence":0.9998791,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.21652156114578247},{"word":"have","start":224.94499,"end":225.105,"confidence":0.99964297,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2805336117744446},{"word":"to","start":225.105,"end":225.265,"confidence":0.9993131,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3288300633430481},{"word":"have","start":225.265,"end":225.50499,"confidence":0.9999509,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3441123366355896},{"word":"about","start":225.50499,"end":225.745,"confidence":0.9982223,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.298450231552124},{"word":"a","start":225.745,"end":225.825,"confidence":0.9938624,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30816298723220825},{"word":"20","start":225.825,"end":226.14499,"confidence":0.999826,"punctuated_word":"20","sentiment":"neutral","sentiment_score":-0.2549894452095032},{"word":"to","start":226.14499,"end":226.305,"confidence":0.98401755,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28154051303863525},{"word":"30","start":226.305,"end":227.025,"confidence":0.99934244,"punctuated_word":"30","sentiment":"neutral","sentiment_score":-0.2159242033958435},{"word":"deposit","start":227.025,"end":227.42499,"confidence":0.99973756,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":-0.25897082686424255},{"word":"there","start":227.42499,"end":227.745,"confidence":0.9155021,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.21399760246276855},{"word":"so","start":227.745,"end":228.22499,"confidence":0.9995196,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1560788452625275},{"word":"we","start":228.22499,"end":228.465,"confidence":0.9994326,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1841371953487396},{"word":"don't","start":228.465,"end":228.705,"confidence":0.9999585,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.18642710149288175},{"word":"normally","start":228.705,"end":229.205,"confidence":0.99847883,"punctuated_word":"normally","sentiment":"negative","sentiment_score":-0.3374755382537842},{"word":"suggest","start":229.265,"end":229.745,"confidence":0.998384,"punctuated_word":"suggest","sentiment":"negative","sentiment_score":-0.3862654566764831},{"word":"anyone","start":229.745,"end":230.14499,"confidence":0.9781602,"punctuated_word":"anyone","sentiment":"negative","sentiment_score":-0.46410325169563293},{"word":"open","start":230.14499,"end":230.465,"confidence":0.8196434,"punctuated_word":"open","sentiment":"negative","sentiment_score":-0.4487695395946502},{"word":"up","start":230.465,"end":230.545,"confidence":0.9965745,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.35175153613090515},{"word":"a","start":230.545,"end":230.705,"confidence":0.96138376,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3308669626712799},{"word":"self","start":230.705,"end":230.94499,"confidence":0.77681625,"punctuated_word":"self","sentiment":"negative","sentiment_score":-0.365820825099945},{"word":"funded","start":230.94499,"end":231.185,"confidence":0.88894755,"punctuated_word":"funded","sentiment":"neutral","sentiment_score":-0.3031437397003174},{"word":"super","start":231.185,"end":231.42499,"confidence":0.9691507,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.3000859320163727},{"word":"fund","start":231.42499,"end":231.665,"confidence":0.9879496,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.2127334177494049},{"word":"unless","start":231.665,"end":231.985,"confidence":0.97725564,"punctuated_word":"unless","sentiment":"negative","sentiment_score":-0.4407679140567779},{"word":"their","start":231.985,"end":232.14499,"confidence":0.9282816,"punctuated_word":"their","sentiment":"negative","sentiment_score":-0.4477315545082092},{"word":"balance","start":232.14499,"end":232.465,"confidence":0.9996376,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.3158990144729614},{"word":"gets","start":232.465,"end":232.705,"confidence":0.9991786,"punctuated_word":"gets","sentiment":"negative","sentiment_score":-0.4459381401538849},{"word":"up","start":232.705,"end":232.78499,"confidence":0.99968886,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.48673269152641296},{"word":"to","start":232.78499,"end":232.94499,"confidence":0.99004,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4997234046459198},{"word":"around","start":232.94499,"end":233.185,"confidence":0.96733356,"punctuated_word":"around","sentiment":"negative","sentiment_score":-0.38938531279563904},{"word":"that","start":233.185,"end":233.345,"confidence":0.74665624,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.31582438945770264},{"word":"$300,000","start":233.345,"end":234.545,"confidence":0.9796326,"punctuated_word":"$300,000","sentiment":"neutral","sentiment_score":-0.3076651096343994},{"word":"mark","start":234.545,"end":234.78499,"confidence":0.9797279,"punctuated_word":"mark","sentiment":"negative","sentiment_score":-0.3686462938785553},{"word":"because","start":234.78499,"end":235.105,"confidence":0.80714387,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.354553759098053},{"word":"most","start":235.105,"end":235.345,"confidence":0.99984276,"punctuated_word":"most","sentiment":"negative","sentiment_score":-0.485710084438324},{"word":"of","start":235.345,"end":235.42499,"confidence":0.9994313,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5386914014816284},{"word":"your","start":235.42499,"end":235.665,"confidence":0.9997279,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.6029410362243652},{"word":"funds","start":235.665,"end":236.065,"confidence":0.9994808,"punctuated_word":"funds","sentiment":"negative","sentiment_score":-0.4921562075614929},{"word":"do","start":236.065,"end":236.22499,"confidence":0.9916271,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.3964855670928955},{"word":"go","start":236.22499,"end":236.61,"confidence":0.99885166,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.47587519884109497},{"word":"to","start":236.69,"end":236.85,"confidence":0.999303,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5763819813728333},{"word":"being","start":236.85,"end":237.09,"confidence":0.9732678,"punctuated_word":"being","sentiment":"negative","sentiment_score":-0.49399101734161377},{"word":"locked","start":237.09,"end":237.33,"confidence":0.9989778,"punctuated_word":"locked","sentiment":"negative","sentiment_score":-0.5217413902282715},{"word":"into","start":237.33,"end":237.57,"confidence":0.96829623,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.5292604565620422},{"word":"that","start":237.57,"end":237.81,"confidence":0.9988882,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5198090076446533},{"word":"property","start":237.81,"end":238.31,"confidence":0.9983121,"punctuated_word":"property.","sentiment":"negative","sentiment_score":-0.34719255566596985},{"word":"the","start":238.77,"end":238.93001,"confidence":0.9969542,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.12255492806434631},{"word":"other","start":238.93001,"end":239.17,"confidence":0.9999163,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.130977064371109},{"word":"aspect","start":239.17,"end":239.67,"confidence":0.9975922,"punctuated_word":"aspect","sentiment":"neutral","sentiment_score":-0.00012192502617836},{"word":"is","start":239.73,"end":239.97,"confidence":0.9991485,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0012698806822299955},{"word":"generally","start":239.97,"end":240.37,"confidence":0.52218413,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.012753274291753767},{"word":"a","start":240.37,"end":240.45,"confidence":0.7629935,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0017506889998912811},{"word":"loan","start":240.45,"end":240.69,"confidence":0.99872845,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.016962319612503052},{"word":"on","start":240.69,"end":240.85,"confidence":0.9573032,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0033427737653255463},{"word":"those","start":240.85,"end":241.09,"confidence":0.9893524,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.01120750978589058},{"word":"sorts","start":241.09,"end":241.25,"confidence":0.8938539,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.011642862111330032},{"word":"of","start":241.25,"end":241.33,"confidence":0.99823797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01660505123436451},{"word":"things","start":241.33,"end":241.83,"confidence":0.99885964,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.025650586932897568},{"word":"are","start":241.89,"end":242.13,"confidence":0.95628047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0014134086668491364},{"word":"for","start":242.13,"end":242.37,"confidence":0.99540883,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.004272744059562683},{"word":"about","start":242.37,"end":242.69,"confidence":0.9976835,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.009189186617732048},{"word":"thirty","start":242.69,"end":243.01,"confidence":0.9983992,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.012775637209415436},{"word":"years","start":243.01,"end":243.33,"confidence":0.99931073,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.006858948618173599},{"word":"or","start":243.33,"end":243.49,"confidence":0.9600297,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.013581788167357445},{"word":"so","start":243.49,"end":243.81,"confidence":0.9988432,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.019276758655905724},{"word":"twenty","start":244.13,"end":244.53,"confidence":0.5894712,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.023179832845926285},{"word":"to","start":244.53,"end":244.61,"confidence":0.9977823,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002785682678222656},{"word":"thirty","start":244.61,"end":245.01,"confidence":0.9995264,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.02225373312830925},{"word":"years","start":245.01,"end":245.33,"confidence":0.93351126,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.006642034277319908},{"word":"so","start":245.33,"end":245.83,"confidence":0.9657408,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.006167681887745857},{"word":"you","start":246.21,"end":246.37,"confidence":0.99894863,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0007693730294704437},{"word":"can't","start":246.37,"end":246.69,"confidence":0.9954519,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.003891339059919119},{"word":"sort","start":246.69,"end":246.85,"confidence":0.75201344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.035102296620607376},{"word":"of","start":246.85,"end":247.09,"confidence":0.8525897,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.026635248214006424},{"word":"unlike","start":247.09,"end":247.41,"confidence":0.9969015,"punctuated_word":"unlike","sentiment":"neutral","sentiment_score":-0.042090967297554016},{"word":"having","start":247.41,"end":247.73,"confidence":0.97426003,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.04084600880742073},{"word":"a","start":247.73,"end":247.89,"confidence":0.9340203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04051952809095383},{"word":"property","start":247.89,"end":248.29,"confidence":0.9988438,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.042772937566041946},{"word":"in","start":248.29,"end":248.37,"confidence":0.99300426,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02654937654733658},{"word":"your","start":248.37,"end":248.53,"confidence":0.9962425,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.032136861234903336},{"word":"own","start":248.53,"end":248.69,"confidence":0.9952734,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.05523377284407616},{"word":"name","start":248.69,"end":249.01,"confidence":0.98496014,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":-0.05996374413371086},{"word":"make","start":249.01,"end":249.375,"confidence":0.97684664,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.10038404166698456},{"word":"extra","start":249.455,"end":249.695,"confidence":0.98323846,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.09904353320598602},{"word":"repayments","start":249.695,"end":250.095,"confidence":0.7663903,"punctuated_word":"repayments","sentiment":"neutral","sentiment_score":-0.09255814552307128},{"word":"to","start":250.095,"end":250.255,"confidence":0.78335667,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09422504156827928},{"word":"the","start":250.255,"end":250.335,"confidence":0.9992551,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07401184737682343},{"word":"loan","start":250.335,"end":250.735,"confidence":0.86491513,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":-0.0755370706319809},{"word":"any","start":250.735,"end":251.135,"confidence":0.9970241,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":-0.10212894529104231},{"word":"extra","start":251.135,"end":251.455,"confidence":0.9975,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.1019378826022148},{"word":"repayments","start":251.455,"end":251.955,"confidence":0.98963374,"punctuated_word":"repayments","sentiment":"neutral","sentiment_score":-0.093056820333004},{"word":"that","start":252.015,"end":252.255,"confidence":0.99985445,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1109578013420105},{"word":"you","start":252.255,"end":252.415,"confidence":0.99987555,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13294966518878937},{"word":"make","start":252.415,"end":252.915,"confidence":0.9986143,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1455138623714447},{"word":"are","start":253.055,"end":253.215,"confidence":0.98870766,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.16184590756893158},{"word":"considered","start":253.215,"end":253.695,"confidence":0.99611217,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":-0.17844006419181824},{"word":"contributions","start":253.695,"end":254.195,"confidence":0.99888974,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.1145663931965828},{"word":"towards","start":254.495,"end":254.975,"confidence":0.9842263,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.08918853104114532},{"word":"super","start":254.975,"end":255.475,"confidence":0.637406,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.06577455997467041},{"word":"so","start":255.535,"end":256.015,"confidence":0.99884844,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.08342298865318298},{"word":"you","start":256.015,"end":256.255,"confidence":0.9986601,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12157047539949416},{"word":"do","start":256.255,"end":256.415,"confidence":0.999811,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.15993990004062653},{"word":"have","start":256.415,"end":256.575,"confidence":0.9998099,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1031903326511383},{"word":"to","start":256.575,"end":256.735,"confidence":0.99958783,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12723416090011597},{"word":"be","start":256.735,"end":256.895,"confidence":0.9992349,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13708418607711792},{"word":"very","start":256.895,"end":257.135,"confidence":0.99968207,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.14016292989253998},{"word":"careful","start":257.135,"end":257.455,"confidence":0.999926,"punctuated_word":"careful","sentiment":"neutral","sentiment_score":-0.14537355303764343},{"word":"in","start":257.455,"end":257.615,"confidence":0.9996376,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1215927004814148},{"word":"that","start":257.615,"end":257.935,"confidence":0.9999393,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13507117331027985},{"word":"aspect","start":257.935,"end":258.435,"confidence":0.99448776,"punctuated_word":"aspect.","sentiment":"neutral","sentiment_score":-0.06566484272480011},{"word":"so","start":258.495,"end":258.735,"confidence":0.9996307,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01573263853788376},{"word":"having","start":258.735,"end":259.135,"confidence":0.9995548,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.026700899004936215},{"word":"a","start":259.135,"end":259.215,"confidence":0.99553347,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025446008890867233},{"word":"loan","start":259.215,"end":259.535,"confidence":0.99800867,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.015432849526405334},{"word":"inside","start":259.535,"end":260.015,"confidence":0.9956326,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.050199732184410095},{"word":"super","start":260.015,"end":260.515,"confidence":0.9659941,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08662452548742294},{"word":"does","start":260.735,"end":260.975,"confidence":0.983634,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.026218026876449585},{"word":"mean","start":260.975,"end":261.215,"confidence":0.9989833,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.02918589860200882},{"word":"that","start":261.215,"end":261.295,"confidence":0.99956006,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015618987381458282},{"word":"you","start":261.295,"end":261.455,"confidence":0.99995005,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011905267834663393},{"word":"would","start":261.455,"end":261.615,"confidence":0.99930453,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.020342551171779633},{"word":"probably","start":261.615,"end":261.935,"confidence":0.99916446,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.028010502457618713},{"word":"have","start":261.935,"end":262.095,"confidence":0.99989855,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0254850834608078},{"word":"to","start":262.095,"end":262.255,"confidence":0.9997936,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021125100553035736},{"word":"work","start":262.255,"end":262.495,"confidence":0.9999119,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.007269255816936493},{"word":"for","start":262.495,"end":262.655,"confidence":0.99969757,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.013548418879508972},{"word":"a","start":262.655,"end":262.735,"confidence":0.99977845,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03892986476421356},{"word":"little","start":262.735,"end":262.975,"confidence":0.9999293,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.013094626367092133},{"word":"bit","start":262.975,"end":263.215,"confidence":0.99964595,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01077105849981308},{"word":"longer","start":263.215,"end":263.535,"confidence":0.99951303,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.026261642575263977},{"word":"there","start":263.535,"end":264.0,"confidence":0.9726094,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.026217494159936905},{"word":"but","start":264.24,"end":264.48,"confidence":0.9875394,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02247070148587227},{"word":"is","start":264.48,"end":264.56,"confidence":0.99957436,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0025004707276821136},{"word":"that","start":264.56,"end":264.8,"confidence":0.9984419,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017374861985445023},{"word":"something","start":264.8,"end":265.04,"confidence":0.99895275,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.050784602761268616},{"word":"you're","start":265.04,"end":265.28,"confidence":0.99317324,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.051848333328962326},{"word":"wanting","start":265.28,"end":265.52,"confidence":0.9991473,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.08153462409973145},{"word":"to","start":265.52,"end":265.6,"confidence":0.9989046,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0957816317677498},{"word":"do","start":265.6,"end":265.76,"confidence":0.99985385,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0928310751914978},{"word":"down","start":265.76,"end":265.92,"confidence":0.99969697,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16982883214950562},{"word":"the","start":265.92,"end":266.08,"confidence":0.9986903,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13824449479579926},{"word":"track","start":266.08,"end":266.32,"confidence":0.9925196,"punctuated_word":"track?","sentiment":"neutral","sentiment_score":0.1113935112953186},{"word":"are","start":266.32,"end":266.48,"confidence":0.99882454,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.06298355758190155},{"word":"you","start":266.48,"end":266.56,"confidence":0.99961036,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09084734320640564},{"word":"hoping","start":266.56,"end":266.96,"confidence":0.99717724,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.124750517308712},{"word":"to","start":266.96,"end":267.12,"confidence":0.9996209,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1159503385424614},{"word":"use","start":267.12,"end":267.36,"confidence":0.9996151,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.11748448014259338},{"word":"your","start":267.36,"end":267.6,"confidence":0.9994943,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0931495726108551},{"word":"super","start":267.6,"end":267.92,"confidence":0.99864453,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.20959673821926117},{"word":"to","start":267.92,"end":268.08,"confidence":0.99862456,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10149812698364258},{"word":"purchase","start":268.08,"end":268.48,"confidence":0.99677163,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.12246116995811462},{"word":"property","start":268.48,"end":268.88,"confidence":0.9918592,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":0.1250511109828949},{"word":"what's","start":268.88,"end":269.12,"confidence":0.9997895,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.08869661390781403},{"word":"your","start":269.12,"end":269.36,"confidence":0.99953604,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06516803801059723},{"word":"goal","start":269.36,"end":269.6,"confidence":0.9982065,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.10125526785850524},{"word":"with","start":269.6,"end":269.84,"confidence":0.9996878,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1053098663687706},{"word":"your","start":269.84,"end":270.08,"confidence":0.9984724,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1102982833981514},{"word":"super","start":270.08,"end":270.48,"confidence":0.9994628,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.23737239837646484},{"word":"when","start":270.48,"end":270.72,"confidence":0.9989858,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1700347065925598},{"word":"you","start":270.72,"end":270.96,"confidence":0.99959725,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11359293758869173},{"word":"retire","start":270.96,"end":271.46,"confidence":0.9995848,"punctuated_word":"retire?","sentiment":"neutral","sentiment_score":0.12438754737377168},{"word":"yeah","start":277.05502,"end":277.55502,"confidence":0.99663436,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11599761992692947},{"word":"yeah","start":287.855,"end":288.355,"confidence":0.99868846,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05567476898431778},{"word":"yeah","start":288.81,"end":289.31,"confidence":0.9982631,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0726739689707756},{"word":"no","start":296.09,"end":296.59,"confidence":0.9888831,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.22198714315891263},{"word":"yeah","start":300.65,"end":301.13,"confidence":0.99830574,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030776768922805783},{"word":"so","start":301.13,"end":301.37,"confidence":0.99577194,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04362807422876358},{"word":"the","start":301.37,"end":301.69,"confidence":0.9966234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10844827443361282},{"word":"the","start":301.69,"end":301.93,"confidence":0.988064,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.104058139026165},{"word":"prospect","start":301.93,"end":302.33,"confidence":0.9977164,"punctuated_word":"prospect","sentiment":"neutral","sentiment_score":0.1553502380847931},{"word":"of","start":302.33,"end":302.49,"confidence":0.99704665,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1824251413345337},{"word":"renting","start":302.49,"end":302.97,"confidence":0.9995466,"punctuated_word":"renting","sentiment":"neutral","sentiment_score":0.07498259842395782},{"word":"through","start":302.97,"end":303.21,"confidence":0.83102715,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05562729388475418},{"word":"retirement","start":303.21,"end":303.71,"confidence":0.8789741,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.0706130638718605},{"word":"is","start":303.85,"end":303.93,"confidence":0.75197214,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10931170731782912},{"word":"a","start":303.93,"end":304.01,"confidence":0.99843293,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12587523460388184},{"word":"realistic","start":304.01,"end":304.51,"confidence":0.99965227,"punctuated_word":"realistic","sentiment":"neutral","sentiment_score":0.15433955192565918},{"word":"sort","start":304.855,"end":304.935,"confidence":0.99907136,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12387366592884064},{"word":"of","start":304.935,"end":305.095,"confidence":0.98601806,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1998700499534607},{"word":"prospect","start":305.095,"end":305.495,"confidence":0.98316664,"punctuated_word":"prospect","sentiment":"neutral","sentiment_score":0.13071371614933014},{"word":"for","start":305.495,"end":305.655,"confidence":0.9916515,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17656636238098145},{"word":"yourself","start":305.655,"end":306.055,"confidence":0.94960314,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.14139986038208008},{"word":"you","start":306.055,"end":306.295,"confidence":0.8899243,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.04898518696427345},{"word":"think","start":306.295,"end":306.45502,"confidence":0.99888533,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.06650662422180176},{"word":"you'll","start":306.45502,"end":306.695,"confidence":0.99734867,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.05471968650817871},{"word":"need","start":306.695,"end":306.855,"confidence":0.999765,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06975258886814117},{"word":"to","start":306.855,"end":307.015,"confidence":0.9983699,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04206395894289017},{"word":"consider","start":307.015,"end":307.495,"confidence":0.9987299,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.03709085285663605},{"word":"the","start":307.495,"end":307.815,"confidence":0.9468623,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01873081177473068},{"word":"rental","start":307.815,"end":308.315,"confidence":0.8219832,"punctuated_word":"rental,","sentiment":"neutral","sentiment_score":0.006413750350475311},{"word":"like","start":308.775,"end":309.275,"confidence":0.7758086,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.031204719096422195},{"word":"the","start":309.33502,"end":309.495,"confidence":0.99977547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04263845086097717},{"word":"cost","start":309.495,"end":309.815,"confidence":0.999206,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.08705732971429825},{"word":"of","start":309.815,"end":309.975,"confidence":0.9997788,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.046161949634552},{"word":"renting","start":309.975,"end":310.475,"confidence":0.999488,"punctuated_word":"renting","sentiment":"neutral","sentiment_score":-0.0017414242029190063},{"word":"long","start":310.535,"end":310.855,"confidence":0.99485695,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.028198346495628357},{"word":"term","start":310.855,"end":311.355,"confidence":0.96540785,"punctuated_word":"term?","sentiment":"neutral","sentiment_score":0.04484352096915245},{"word":"yeah","start":313.255,"end":313.755,"confidence":0.7843624,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.025158537551760674},{"word":"yep","start":314.45502,"end":314.775,"confidence":0.8751061,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.056568440049886703},{"word":"that's","start":314.775,"end":315.095,"confidence":0.9974822,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07765015959739685},{"word":"okay","start":315.095,"end":315.495,"confidence":0.9993627,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10626134276390076},{"word":"that's","start":315.495,"end":315.815,"confidence":0.9998963,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0009372656932100654},{"word":"understandable","start":315.815,"end":316.315,"confidence":0.9998538,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":0.030467843636870384},{"word":"i'm","start":317.27,"end":317.43,"confidence":0.9948429,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.014703160151839256},{"word":"having","start":317.43,"end":317.66998,"confidence":0.99858224,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.022023849189281464},{"word":"a","start":317.66998,"end":317.75,"confidence":0.9990607,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029141929000616074},{"word":"look","start":317.75,"end":317.91,"confidence":0.99990535,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.013820305466651917},{"word":"at","start":317.91,"end":317.99,"confidence":0.9981908,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.016289569437503815},{"word":"things","start":317.99,"end":318.22998,"confidence":0.9989599,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.022508107125759125},{"word":"at","start":318.22998,"end":318.31,"confidence":0.9994715,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.006238959729671478},{"word":"the","start":318.31,"end":318.38998,"confidence":0.99901783,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029095809906721115},{"word":"moment","start":318.38998,"end":318.71,"confidence":0.96326476,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.04901345446705818},{"word":"so","start":318.71,"end":319.19,"confidence":0.9978278,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04374904185533523},{"word":"65","start":319.19,"end":319.91,"confidence":0.84875,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":0.058567844331264496},{"word":"you're","start":319.91,"end":320.22998,"confidence":0.77425206,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.049545735120773315},{"word":"you","start":320.38998,"end":320.55,"confidence":0.9993734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04855508357286453},{"word":"had","start":320.55,"end":320.71,"confidence":0.99805486,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05904409661889076},{"word":"a","start":320.71,"end":320.78998,"confidence":0.9985127,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05413220077753067},{"word":"birthday","start":320.78998,"end":321.27,"confidence":0.9974698,"punctuated_word":"birthday","sentiment":"neutral","sentiment_score":0.07094601541757584},{"word":"in","start":321.27,"end":321.59,"confidence":0.99801826,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.060321077704429626},{"word":"october","start":321.59,"end":322.78998,"confidence":0.9840949,"punctuated_word":"October.","sentiment":"neutral","sentiment_score":0.05577382072806358},{"word":"so","start":322.78998,"end":323.03,"confidence":0.99583805,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04818635433912277},{"word":"you're","start":323.03,"end":323.27,"confidence":0.99856937,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.054221492260694504},{"word":"61","start":323.27,"end":323.75,"confidence":0.9995295,"punctuated_word":"61","sentiment":"neutral","sentiment_score":0.06701643019914627},{"word":"this","start":323.75,"end":323.99,"confidence":0.962913,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07954134047031403},{"word":"year","start":323.99,"end":324.15,"confidence":0.9784303,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06899718195199966},{"word":"you're","start":324.15,"end":324.38998,"confidence":0.99904335,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.05479396879673004},{"word":"60","start":324.38998,"end":324.71,"confidence":0.99843675,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.08510778844356537},{"word":"now","start":324.71,"end":325.03,"confidence":0.99813616,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.05942455306649208},{"word":"is","start":325.03,"end":325.19,"confidence":0.9374905,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.061474770307540894},{"word":"that","start":325.19,"end":325.34998,"confidence":0.9999603,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0737970694899559},{"word":"right","start":325.34998,"end":325.84998,"confidence":0.99992484,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.06047601252794266},{"word":"yeah","start":327.34998,"end":327.83,"confidence":0.9766085,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1762986034154892},{"word":"so","start":327.83,"end":327.99,"confidence":0.99850875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21186217665672305},{"word":"there","start":327.99,"end":328.15,"confidence":0.99964714,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2940906882286072},{"word":"are","start":328.15,"end":328.38998,"confidence":0.9994924,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3045107126235962},{"word":"some","start":328.38998,"end":328.55,"confidence":0.99881494,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.3088114559650421},{"word":"really","start":328.55,"end":328.78998,"confidence":0.9990921,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.362851619720459},{"word":"cool","start":328.78998,"end":329.03,"confidence":0.9927406,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.453463077545166},{"word":"strategies","start":329.03,"end":329.43,"confidence":0.9650383,"punctuated_word":"strategies","sentiment":"positive","sentiment_score":0.37890663743019104},{"word":"that","start":329.43,"end":329.59,"confidence":0.99991715,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4393883347511291},{"word":"we","start":329.59,"end":329.66998,"confidence":0.999876,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.41017094254493713},{"word":"could","start":329.66998,"end":329.91,"confidence":0.9984515,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.4375268816947937},{"word":"maybe","start":329.91,"end":330.22998,"confidence":0.96048313,"punctuated_word":"maybe","sentiment":"positive","sentiment_score":0.4361438751220703},{"word":"look","start":330.22998,"end":330.38998,"confidence":0.99898285,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.4098374247550965},{"word":"to","start":330.38998,"end":330.55,"confidence":0.9982134,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42891085147857666},{"word":"put","start":330.55,"end":330.71,"confidence":0.9997676,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.3966055512428284},{"word":"in","start":330.71,"end":330.87,"confidence":0.99923587,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3636762201786041},{"word":"place","start":330.87,"end":331.215,"confidence":0.9997414,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.4122391939163208},{"word":"for","start":331.215,"end":331.375,"confidence":0.99651104,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.44723379611968994},{"word":"you","start":331.375,"end":331.535,"confidence":0.99991703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37113693356513977},{"word":"to","start":331.535,"end":331.615,"confidence":0.9975655,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.37226858735084534},{"word":"be","start":331.615,"end":331.695,"confidence":0.9995426,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.38812416791915894},{"word":"able","start":331.695,"end":331.935,"confidence":0.99901676,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4250644147396088},{"word":"to","start":331.935,"end":332.095,"confidence":0.9975999,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42905718088150024},{"word":"help","start":332.095,"end":332.255,"confidence":0.99944884,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4709586501121521},{"word":"you","start":332.255,"end":332.415,"confidence":0.99931824,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4827432930469513},{"word":"to","start":332.415,"end":332.495,"confidence":0.99868065,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43589314818382263},{"word":"boost","start":332.495,"end":332.815,"confidence":0.99967647,"punctuated_word":"boost","sentiment":"positive","sentiment_score":0.439614474773407},{"word":"your","start":332.815,"end":333.055,"confidence":0.9971142,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4767085313796997},{"word":"balance","start":333.055,"end":333.455,"confidence":0.9990687,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.4152466356754303},{"word":"there","start":333.455,"end":333.955,"confidence":0.9869844,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3615634739398956},{"word":"just","start":334.415,"end":334.655,"confidence":0.50541335,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.246934711933136},{"word":"having","start":334.655,"end":334.895,"confidence":0.9996076,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.27163833379745483},{"word":"a","start":334.895,"end":334.975,"confidence":0.99948967,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2779126465320587},{"word":"look","start":334.975,"end":335.215,"confidence":0.90958345,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.25530824065208435},{"word":"and","start":335.215,"end":335.375,"confidence":0.99977034,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24986182153224945},{"word":"i'll","start":335.375,"end":335.535,"confidence":0.9999647,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1958557814359665},{"word":"give","start":335.535,"end":335.695,"confidence":0.9999465,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1971308141946793},{"word":"you","start":335.695,"end":335.855,"confidence":0.99996495,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22127249836921692},{"word":"i'm","start":336.01498,"end":336.175,"confidence":0.99972636,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2238556146621704},{"word":"actually","start":336.175,"end":336.495,"confidence":0.99256307,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.23374956846237183},{"word":"gonna","start":336.495,"end":336.735,"confidence":0.9989448,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.22828204929828644},{"word":"also","start":336.735,"end":337.055,"confidence":0.9976665,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.18148982524871823},{"word":"send","start":337.055,"end":337.29498,"confidence":0.99976104,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.18475931882858276},{"word":"you","start":337.29498,"end":337.375,"confidence":0.999335,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1984165608882904},{"word":"through","start":337.375,"end":337.615,"confidence":0.9976592,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20601002871990204},{"word":"some","start":337.615,"end":337.775,"confidence":0.999426,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.17156298458576202},{"word":"annual","start":337.775,"end":338.095,"confidence":0.9781405,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.1664380580186844},{"word":"review","start":338.095,"end":338.415,"confidence":0.9918064,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.15591368079185486},{"word":"documents","start":338.415,"end":338.915,"confidence":0.99950635,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.1495385468006134},{"word":"do","start":338.975,"end":339.135,"confidence":0.99870336,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.08674141764640808},{"word":"you","start":339.135,"end":339.29498,"confidence":0.99989235,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10837408155202866},{"word":"have","start":339.29498,"end":339.455,"confidence":0.99994016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08361838012933731},{"word":"access","start":339.455,"end":339.775,"confidence":0.99955946,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.08876417577266693},{"word":"to","start":339.775,"end":339.935,"confidence":0.9943415,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10242172330617905},{"word":"your","start":339.935,"end":340.095,"confidence":0.9914185,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08653393387794495},{"word":"emails","start":340.095,"end":340.495,"confidence":0.9826842,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.0995340496301651},{"word":"at","start":340.495,"end":340.655,"confidence":0.9993932,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07250803709030151},{"word":"the","start":340.655,"end":340.735,"confidence":0.99965835,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11552131921052931},{"word":"moment","start":340.735,"end":341.135,"confidence":0.9287468,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.1099083125591278},{"word":"or","start":341.135,"end":341.375,"confidence":0.9997384,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06525351852178574},{"word":"would","start":341.375,"end":341.455,"confidence":0.99991274,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.056171905249357224},{"word":"you","start":341.455,"end":341.615,"confidence":0.9995561,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0829988420009613},{"word":"prefer","start":341.615,"end":341.935,"confidence":0.9988595,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.059559743851423264},{"word":"me","start":341.935,"end":342.095,"confidence":0.9981937,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11301113665103912},{"word":"just","start":342.095,"end":342.335,"confidence":0.997969,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1257314831018448},{"word":"to","start":342.335,"end":342.415,"confidence":0.9990152,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12341523170471191},{"word":"go","start":342.415,"end":342.57498,"confidence":0.99972695,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1343555748462677},{"word":"through","start":342.57498,"end":342.815,"confidence":0.9995652,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15642303228378296},{"word":"things","start":342.815,"end":343.055,"confidence":0.9989961,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1349224150180817},{"word":"and","start":343.055,"end":343.215,"confidence":0.72078806,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14831241965293884},{"word":"you","start":343.215,"end":343.29498,"confidence":0.9993273,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15273573994636536},{"word":"can","start":343.29498,"end":343.455,"confidence":0.999754,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14382371306419373},{"word":"have","start":343.455,"end":343.575,"confidence":0.9998683,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1480771154165268},{"word":"a","start":343.575,"end":343.695,"confidence":0.99930716,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.150689497590065},{"word":"look","start":343.695,"end":343.935,"confidence":0.9999745,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10128112137317656},{"word":"at","start":343.935,"end":344.01498,"confidence":0.9939621,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10357673466205596},{"word":"the","start":344.01498,"end":344.175,"confidence":0.9996427,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08549106121063232},{"word":"documents","start":344.175,"end":344.655,"confidence":0.99612516,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.07806113362312317},{"word":"later","start":344.655,"end":344.895,"confidence":0.9953048,"punctuated_word":"later?","sentiment":"neutral","sentiment_score":0.09720271825790404},{"word":"what","start":344.895,"end":345.135,"confidence":0.99946684,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.06453479826450348},{"word":"would","start":345.135,"end":345.29498,"confidence":0.99989045,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07823749631643295},{"word":"you","start":345.29498,"end":345.455,"confidence":0.99934214,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07355773448944092},{"word":"like","start":345.455,"end":345.615,"confidence":0.99960643,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06750768423080444},{"word":"me","start":345.615,"end":345.775,"confidence":0.9993988,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06090598180890083},{"word":"to","start":345.775,"end":345.935,"confidence":0.99701726,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0445067435503006},{"word":"do","start":345.935,"end":346.095,"confidence":0.99846137,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.04679296910762787},{"word":"darren","start":346.095,"end":346.595,"confidence":0.98487526,"punctuated_word":"Darren?","sentiment":"neutral","sentiment_score":0.06376202404499054},{"word":"yeah","start":353.9,"end":354.21997,"confidence":0.98522395,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1380707621574402},{"word":"that's","start":354.21997,"end":354.46,"confidence":0.9997523,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1733093559741974},{"word":"okay","start":354.46,"end":354.93997,"confidence":0.9997263,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.18126150965690613},{"word":"i'm","start":354.93997,"end":355.18,"confidence":0.92598,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1388309895992279},{"word":"i've","start":355.25998,"end":355.41998,"confidence":0.9998311,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13575038313865662},{"word":"got","start":355.41998,"end":355.65997,"confidence":0.99977356,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13062050938606262},{"word":"your","start":355.65997,"end":355.9,"confidence":0.9990478,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09457718580961227},{"word":"email","start":355.9,"end":356.21997,"confidence":0.9997341,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.11271900683641434},{"word":"address","start":356.21997,"end":356.53998,"confidence":0.9987488,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.10986641049385072},{"word":"here","start":356.53998,"end":356.86,"confidence":0.99418604,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.12279342114925385},{"word":"it","start":356.86,"end":357.02,"confidence":0.99775594,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.10765060782432556},{"word":"is","start":357.02,"end":357.25998,"confidence":0.99977714,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10180546343326569},{"word":"your","start":357.25998,"end":357.58,"confidence":0.99929917,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1268155723810196},{"word":"first","start":357.58,"end":357.9,"confidence":0.99927074,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.10301943123340608},{"word":"so","start":358.21997,"end":358.53998,"confidence":0.9380558,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09975773096084596},{"word":"darrenvtessa@gmail.com","start":358.53998,"end":362.265,"confidence":0.90162563,"punctuated_word":"darrenvtessa@gmail.com."},{"word":"is","start":362.265,"end":362.425,"confidence":0.999819,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03533436357975006},{"word":"that","start":362.425,"end":362.585,"confidence":0.99995756,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04660531505942345},{"word":"right","start":362.585,"end":363.085,"confidence":0.99988854,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.03397602215409279},{"word":"yep","start":364.345,"end":364.825,"confidence":0.6967443,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3072125315666199},{"word":"perfect","start":364.825,"end":365.145,"confidence":0.9985771,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.668536901473999},{"word":"i","start":365.145,"end":365.305,"confidence":0.99970055,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4166969954967499},{"word":"have","start":365.305,"end":365.545,"confidence":0.9956701,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.39939451217651367},{"word":"this","start":365.545,"end":365.70502,"confidence":0.47262043,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4438923001289368},{"word":"sent","start":365.70502,"end":365.865,"confidence":0.9845464,"punctuated_word":"sent","sentiment":"positive","sentiment_score":0.41443994641304016},{"word":"through","start":365.865,"end":366.105,"confidence":0.99527305,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.43497177958488464},{"word":"some","start":366.105,"end":366.345,"confidence":0.97802585,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.41738706827163696},{"word":"annual","start":366.345,"end":366.665,"confidence":0.8870447,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.28233233094215393},{"word":"review","start":366.665,"end":366.98502,"confidence":0.9955123,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.23029747605323792},{"word":"documents","start":366.98502,"end":367.385,"confidence":0.9991634,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.2658543288707733},{"word":"to","start":367.385,"end":367.545,"confidence":0.9712697,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32994166016578674},{"word":"you","start":367.545,"end":367.625,"confidence":0.82455707,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.28714993596076965},{"word":"so","start":367.625,"end":367.865,"confidence":0.9995735,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2913627624511719},{"word":"feel","start":367.865,"end":368.025,"confidence":0.9991123,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.1927708089351654},{"word":"free","start":368.025,"end":368.185,"confidence":0.9997054,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2583346366882324},{"word":"to","start":368.185,"end":368.345,"confidence":0.9996439,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3036346435546875},{"word":"have","start":368.345,"end":368.425,"confidence":0.9998603,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26570579409599304},{"word":"a","start":368.425,"end":368.505,"confidence":0.9994748,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32482874393463135},{"word":"bit","start":368.505,"end":368.665,"confidence":0.999025,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3208429217338562},{"word":"of","start":368.665,"end":368.825,"confidence":0.9996494,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3485271632671356},{"word":"a","start":368.825,"end":368.905,"confidence":0.99771035,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2966828942298889},{"word":"look","start":368.905,"end":369.065,"confidence":0.9998554,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21740280091762543},{"word":"at","start":369.065,"end":369.145,"confidence":0.99433386,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2405044287443161},{"word":"those","start":369.145,"end":369.465,"confidence":0.9965726,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.26672160625457764},{"word":"later","start":369.465,"end":369.965,"confidence":0.9997679,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.28183239698410034},{"word":"i'll","start":370.265,"end":370.585,"confidence":0.8851725,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2901623845100403},{"word":"go","start":370.585,"end":370.745,"confidence":0.9998049,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2860492765903473},{"word":"through","start":370.745,"end":371.065,"confidence":0.99955887,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.26508843898773193},{"word":"everything","start":371.065,"end":371.465,"confidence":0.99991786,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.30080199241638184},{"word":"with","start":371.465,"end":371.625,"confidence":0.9998745,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.25111329555511475},{"word":"you","start":371.625,"end":371.785,"confidence":0.99994636,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2889837622642517},{"word":"and","start":371.785,"end":371.945,"confidence":0.98768276,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21095936000347135},{"word":"sort","start":371.945,"end":372.105,"confidence":0.9851547,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.25063249468803406},{"word":"of","start":372.105,"end":372.185,"confidence":0.5778464,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23902471363544464},{"word":"give","start":372.185,"end":372.345,"confidence":0.9995509,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.22881639003753665},{"word":"you","start":372.345,"end":372.505,"confidence":0.9998499,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3168303072452545},{"word":"a","start":372.505,"end":372.585,"confidence":0.99673426,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31647151708602905},{"word":"bit","start":372.585,"end":372.745,"confidence":0.99987674,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.28480058908462524},{"word":"of","start":372.745,"end":372.825,"confidence":0.99964213,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3217529058456421},{"word":"an","start":372.825,"end":372.98502,"confidence":0.9992415,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2913550138473511},{"word":"update","start":372.98502,"end":373.305,"confidence":0.99989665,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.22759224474430084},{"word":"on","start":373.305,"end":373.385,"confidence":0.9986192,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22000622749328613},{"word":"where","start":373.385,"end":373.545,"confidence":0.9680548,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.20012681186199188},{"word":"your","start":373.545,"end":373.785,"confidence":0.95804155,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26735222339630127},{"word":"super","start":373.785,"end":374.105,"confidence":0.9492948,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3522506356239319},{"word":"is","start":374.105,"end":374.265,"confidence":0.9889369,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20243361592292783},{"word":"up","start":374.265,"end":374.345,"confidence":0.9630775,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.21217437088489532},{"word":"to","start":374.345,"end":374.505,"confidence":0.9592668,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.2725427746772766},{"word":"let's","start":374.505,"end":374.745,"confidence":0.9931958,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.2434811890125275},{"word":"touch","start":374.745,"end":374.98502,"confidence":0.99663466,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.16896429657936096},{"word":"base","start":374.98502,"end":375.225,"confidence":0.98999095,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.23626351356506348},{"word":"a","start":375.225,"end":375.385,"confidence":0.9949025,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.254827618598938},{"word":"bit","start":375.385,"end":375.545,"confidence":0.9982577,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19091418385505676},{"word":"more","start":375.545,"end":375.70502,"confidence":0.9995584,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.20131954550743103},{"word":"about","start":375.70502,"end":375.865,"confidence":0.99966955,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1998593956232071},{"word":"your","start":375.865,"end":376.105,"confidence":0.9996518,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21844375133514404},{"word":"goals","start":376.105,"end":376.605,"confidence":0.98011196,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.18777725100517273},{"word":"i","start":376.86,"end":377.02,"confidence":0.9785873,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35213643312454224},{"word":"did","start":377.02,"end":377.26,"confidence":0.95920813,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.26924803853034973},{"word":"have","start":377.26,"end":377.38,"confidence":0.99903643,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3166414499282837},{"word":"a","start":377.38,"end":377.5,"confidence":0.99906045,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3167235255241394},{"word":"bit","start":377.5,"end":377.74,"confidence":0.9991161,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.25891122221946716},{"word":"of","start":377.74,"end":377.82,"confidence":0.9994912,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29845109581947327},{"word":"a","start":377.82,"end":377.9,"confidence":0.9981957,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2747720777988434},{"word":"look","start":377.9,"end":378.13998,"confidence":0.9997645,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19221866130828855},{"word":"at","start":378.13998,"end":378.22,"confidence":0.9840873,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.218657910823822},{"word":"things","start":378.22,"end":378.54,"confidence":0.9998443,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.20815539360046387},{"word":"earlier","start":378.54,"end":378.86,"confidence":0.9394288,"punctuated_word":"earlier,","sentiment":"neutral","sentiment_score":0.2264346182346344},{"word":"and","start":378.86,"end":379.02,"confidence":0.9997584,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26603710651397705},{"word":"then","start":379.02,"end":379.26,"confidence":0.4829078,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.27793851494789124},{"word":"it","start":379.26,"end":379.34,"confidence":0.9781622,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30934759974479675},{"word":"looks","start":379.34,"end":379.58,"confidence":0.6181195,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.33227887749671936},{"word":"like","start":379.58,"end":379.74,"confidence":0.99683553,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.34359103441238403},{"word":"there's","start":379.74,"end":379.97998,"confidence":0.9795365,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.34604567289352417},{"word":"some","start":379.97998,"end":380.13998,"confidence":0.99940324,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.35165920853614807},{"word":"advice","start":380.13998,"end":380.46,"confidence":0.9945422,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.37380269169807434},{"word":"that","start":380.46,"end":380.62,"confidence":0.99924564,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3668103814125061},{"word":"we","start":380.62,"end":380.78,"confidence":0.9999136,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.35653653740882874},{"word":"can","start":380.78,"end":380.94,"confidence":0.9998031,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4066655337810517},{"word":"definitely","start":380.94,"end":381.26,"confidence":0.99873155,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4194561541080475},{"word":"look","start":381.26,"end":381.41998,"confidence":0.9838225,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.362537145614624},{"word":"to","start":381.41998,"end":381.58,"confidence":0.99375546,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3789245784282684},{"word":"help","start":381.58,"end":381.9,"confidence":0.98246646,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.3624630570411682},{"word":"provide","start":381.9,"end":382.3,"confidence":0.9914518,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.3741936981678009},{"word":"that","start":382.3,"end":382.54,"confidence":0.99510634,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.47614139318466187},{"word":"might","start":382.54,"end":382.78,"confidence":0.99986064,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.39895734190940857},{"word":"put","start":382.78,"end":382.94,"confidence":0.9992391,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.48970168828964233},{"word":"you","start":382.94,"end":383.1,"confidence":0.9997931,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39023885130882263},{"word":"in","start":383.1,"end":383.26,"confidence":0.99966395,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4085584282875061},{"word":"a","start":383.26,"end":383.41998,"confidence":0.9994543,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3172633647918701},{"word":"better","start":383.41998,"end":383.66,"confidence":0.99996305,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.24136021733283997},{"word":"position","start":383.66,"end":384.13998,"confidence":0.9989327,"punctuated_word":"position.","sentiment":"neutral","sentiment_score":0.2912994623184204},{"word":"so","start":384.13998,"end":384.62,"confidence":0.99971193,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2532173991203308},{"word":"if","start":384.62,"end":384.86,"confidence":0.99188364,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.294495165348053},{"word":"you're","start":384.86,"end":385.02,"confidence":0.9951234,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.274649977684021},{"word":"comfortable","start":385.02,"end":385.5,"confidence":0.99806476,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":0.23352158069610596},{"word":"we'll","start":385.5,"end":385.74,"confidence":0.99951565,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2363441437482834},{"word":"go","start":385.74,"end":385.97998,"confidence":0.999597,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.22291244566440585},{"word":"through","start":385.97998,"end":386.13998,"confidence":0.991037,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.227718323469162},{"word":"this","start":386.13998,"end":386.38,"confidence":0.9974733,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2065960019826889},{"word":"today","start":386.38,"end":386.78,"confidence":0.9136292,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.22686436772346497},{"word":"and","start":386.78,"end":386.94,"confidence":0.9998294,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2034100592136383},{"word":"then","start":386.94,"end":387.1,"confidence":0.99993694,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.20962856709957123},{"word":"i'll","start":387.1,"end":387.26,"confidence":0.9999268,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18960434198379517},{"word":"go","start":387.26,"end":387.41998,"confidence":0.999925,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2134092152118683},{"word":"back","start":387.41998,"end":387.66,"confidence":0.9996456,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.24459394812583923},{"word":"and","start":387.66,"end":387.82,"confidence":0.9989723,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17355653643608093},{"word":"do","start":387.82,"end":387.97998,"confidence":0.9998275,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2045667469501495},{"word":"some","start":387.97998,"end":388.22,"confidence":0.99961555,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.22938406467437744},{"word":"really","start":388.22,"end":388.46,"confidence":0.99890864,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.24194391071796417},{"word":"in-depth","start":388.46,"end":388.815,"confidence":0.9965841,"punctuated_word":"in-depth","sentiment":"neutral","sentiment_score":0.17523936927318573},{"word":"research","start":388.975,"end":389.295,"confidence":0.9989895,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.17263931035995483},{"word":"for","start":389.295,"end":389.535,"confidence":0.9999058,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20863696932792664},{"word":"you","start":389.535,"end":389.775,"confidence":0.9128871,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.21151193976402283},{"word":"and","start":389.775,"end":389.935,"confidence":0.99961025,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15825961530208588},{"word":"i","start":389.935,"end":390.015,"confidence":0.999681,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19433709979057312},{"word":"can","start":390.015,"end":390.255,"confidence":0.9996954,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2099991887807846},{"word":"update","start":390.255,"end":390.655,"confidence":0.9998173,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.17431536316871643},{"word":"your","start":390.655,"end":390.815,"confidence":0.8957619,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19367370009422305},{"word":"strategies","start":390.815,"end":391.315,"confidence":0.8892644,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.1529136300086975},{"word":"to","start":391.375,"end":391.535,"confidence":0.9994522,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19149748980998993},{"word":"see","start":391.535,"end":391.695,"confidence":0.9999604,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1975252330303192},{"word":"where","start":391.695,"end":391.935,"confidence":0.9950094,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.194083034992218},{"word":"we","start":391.935,"end":392.095,"confidence":0.9998136,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1980515420436859},{"word":"can","start":392.095,"end":392.255,"confidence":0.9999223,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22695674002170563},{"word":"help","start":392.255,"end":392.655,"confidence":0.99950445,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.21654456853866577},{"word":"and","start":392.655,"end":393.055,"confidence":0.961898,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2321137338876724},{"word":"what","start":393.055,"end":393.295,"confidence":0.999767,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.23857155442237857},{"word":"we","start":393.295,"end":393.375,"confidence":0.9999138,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2192101776599884},{"word":"can","start":393.375,"end":393.615,"confidence":0.99984777,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2912634611129761},{"word":"do","start":393.615,"end":393.855,"confidence":0.9996662,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3188687860965729},{"word":"moving","start":393.855,"end":394.175,"confidence":0.99519926,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.28978046774864197},{"word":"forward","start":394.175,"end":394.575,"confidence":0.999106,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.2664170265197754},{"word":"to","start":394.575,"end":394.815,"confidence":0.9958129,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2639351189136505},{"word":"you","start":394.815,"end":394.975,"confidence":0.9998869,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2471984624862671},{"word":"know","start":394.975,"end":395.475,"confidence":0.9997964,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.21651031076908112},{"word":"build","start":395.615,"end":395.855,"confidence":0.9968196,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.2534067928791046},{"word":"on","start":395.855,"end":396.015,"confidence":0.99975294,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2931729853153229},{"word":"that","start":396.015,"end":396.175,"confidence":0.9970921,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2815028429031372},{"word":"retirement","start":396.175,"end":396.675,"confidence":0.9985096,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.19560077786445615},{"word":"for","start":396.815,"end":396.975,"confidence":0.9998196,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1860980689525604},{"word":"you","start":396.975,"end":397.215,"confidence":0.9997833,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17794674634933472},{"word":"would","start":397.215,"end":397.45502,"confidence":0.99983406,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.16771838068962097},{"word":"you","start":397.45502,"end":397.615,"confidence":0.99959713,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14327149093151093},{"word":"like","start":397.615,"end":397.775,"confidence":0.99992204,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1579803228378296},{"word":"that","start":397.775,"end":398.275,"confidence":0.99985576,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.12357886135578156},{"word":"yeah","start":399.855,"end":400.355,"confidence":0.9494214,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21765150129795072},{"word":"beautiful","start":400.495,"end":400.995,"confidence":0.9974394,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5302157402038574},{"word":"beautiful","start":401.375,"end":401.875,"confidence":0.9998046,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5431201457977295},{"word":"now","start":402.5,"end":402.9,"confidence":0.9994023,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.4694164395332336},{"word":"your","start":402.9,"end":403.22,"confidence":0.98475885,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4704904854297638},{"word":"balance","start":403.22,"end":403.62,"confidence":0.99901426,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.4737906157970429},{"word":"at","start":403.62,"end":403.78,"confidence":0.8709549,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.32953938841819763},{"word":"the","start":403.78,"end":403.86,"confidence":0.99800223,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3701478838920593},{"word":"moment","start":403.86,"end":404.18,"confidence":0.99994314,"punctuated_word":"moment","sentiment":"positive","sentiment_score":0.3615931272506714},{"word":"inside","start":404.18,"end":404.66,"confidence":0.7041639,"punctuated_word":"inside,","sentiment":"positive","sentiment_score":0.36826154589653015},{"word":"super","start":404.66,"end":405.06,"confidence":0.73331475,"punctuated_word":"Super,","sentiment":"positive","sentiment_score":0.3919633626937866},{"word":"when","start":405.06,"end":405.3,"confidence":0.998324,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2905798852443695},{"word":"i","start":405.3,"end":405.38,"confidence":0.9999014,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3137345314025879},{"word":"had","start":405.38,"end":405.5,"confidence":0.9996836,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.2307536154985428},{"word":"a","start":405.5,"end":405.62,"confidence":0.9769646,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31862908601760864},{"word":"look","start":405.62,"end":406.02,"confidence":0.99985445,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.22838649153709412},{"word":"as","start":406.02,"end":406.34,"confidence":0.9371108,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29130789637565613},{"word":"of","start":406.34,"end":406.66,"confidence":0.9927712,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2861281931400299},{"word":"yesterday's","start":406.66,"end":407.16,"confidence":0.991594,"punctuated_word":"yesterday's","sentiment":"neutral","sentiment_score":0.26619112491607666},{"word":"date","start":407.3,"end":407.8,"confidence":0.98850155,"punctuated_word":"date,","sentiment":"neutral","sentiment_score":0.2797463536262512},{"word":"you","start":407.86,"end":408.02,"confidence":0.7268066,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34048718214035034},{"word":"had","start":408.02,"end":408.18,"confidence":0.9768143,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.3160853087902069},{"word":"about","start":408.18,"end":408.41998,"confidence":0.92977595,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.28776606917381287},{"word":"a","start":408.41998,"end":408.58,"confidence":0.99336725,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32215169072151184},{"word":"180,772","start":408.58,"end":411.06,"confidence":0.998639,"punctuated_word":"180,772","sentiment":"neutral","sentiment_score":0.2866571843624115},{"word":"and","start":411.06,"end":411.22,"confidence":0.9976406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1937573105096817},{"word":"13¢","start":411.22,"end":412.02,"confidence":0.87058854,"punctuated_word":"13¢."},{"word":"so","start":412.02,"end":412.18,"confidence":0.9173473,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5957567095756531},{"word":"your","start":412.18,"end":412.41998,"confidence":0.74668545,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5610796213150024},{"word":"balance","start":412.41998,"end":412.82,"confidence":0.99889684,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.5718522071838379},{"word":"has","start":412.82,"end":413.06,"confidence":0.9996896,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6182738542556763},{"word":"increased","start":413.06,"end":413.56,"confidence":0.9994429,"punctuated_word":"increased","sentiment":"positive","sentiment_score":0.6392852663993835},{"word":"a","start":413.62,"end":413.69998,"confidence":0.9661161,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5365943312644958},{"word":"little","start":413.69998,"end":413.94,"confidence":0.9999273,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4681726694107056},{"word":"bit","start":413.94,"end":414.1,"confidence":0.9986272,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5257158875465393},{"word":"over","start":414.1,"end":414.34,"confidence":0.9998857,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4341389536857605},{"word":"the","start":414.34,"end":414.5,"confidence":0.9926926,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3570695221424103},{"word":"last","start":414.5,"end":414.74,"confidence":0.9996557,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.411185622215271},{"word":"twelve","start":414.74,"end":414.97998,"confidence":0.99848133,"punctuated_word":"twelve","sentiment":"positive","sentiment_score":0.4012300670146942},{"word":"months","start":414.97998,"end":415.3,"confidence":0.9758457,"punctuated_word":"months,","sentiment":"positive","sentiment_score":0.5212703943252563},{"word":"which","start":415.3,"end":415.46,"confidence":0.9998785,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6125671863555908},{"word":"is","start":415.46,"end":415.69998,"confidence":0.9994149,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6237236261367798},{"word":"really","start":415.69998,"end":415.94,"confidence":0.9999393,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5650644302368164},{"word":"good","start":415.94,"end":416.415,"confidence":0.9997932,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.31345877051353455},{"word":"one","start":417.215,"end":417.375,"confidence":0.962482,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.22399434447288513},{"word":"of","start":417.375,"end":417.535,"confidence":0.99681073,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2778606712818146},{"word":"the","start":417.535,"end":417.61502,"confidence":0.9996979,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2931831181049347},{"word":"things","start":417.61502,"end":417.935,"confidence":0.7530811,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.2042921632528305},{"word":"when","start":417.935,"end":418.17502,"confidence":0.99954695,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.21441301703453064},{"word":"i","start":418.17502,"end":418.255,"confidence":0.99986017,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16280747950077057},{"word":"have","start":418.255,"end":418.33502,"confidence":0.99973696,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2122732400894165},{"word":"a","start":418.33502,"end":418.415,"confidence":0.9979923,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16469472646713257},{"word":"look","start":418.415,"end":418.73502,"confidence":0.99995303,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15457619726657867},{"word":"at","start":418.73502,"end":418.815,"confidence":0.99875736,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13080909848213196},{"word":"how","start":418.815,"end":419.05502,"confidence":0.99957436,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.17495517432689667},{"word":"the","start":419.05502,"end":419.215,"confidence":0.99846494,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16912660002708435},{"word":"performance","start":419.215,"end":419.715,"confidence":0.9985625,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.13418364524841309},{"word":"has","start":419.855,"end":420.015,"confidence":0.95137703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2210915684700012},{"word":"gone","start":420.015,"end":420.515,"confidence":0.99983037,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.18835514783859253},{"word":"over","start":420.575,"end":420.815,"confidence":0.9930977,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.12866535782814026},{"word":"the","start":420.815,"end":420.975,"confidence":0.9997452,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08303055167198181},{"word":"last","start":420.975,"end":421.295,"confidence":0.99979943,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05744442716240883},{"word":"twelve","start":421.295,"end":421.61502,"confidence":0.9998965,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.0720888003706932},{"word":"months","start":421.61502,"end":422.015,"confidence":0.9982109,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.06466805934906006},{"word":"there","start":422.015,"end":422.255,"confidence":0.62242323,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.021822452545166016},{"word":"so","start":422.89502,"end":423.215,"confidence":0.849759,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04113377630710602},{"word":"sorry","start":423.215,"end":423.715,"confidence":0.9771259,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.09118955582380296},{"word":"after","start":424.415,"end":424.73502,"confidence":0.89235336,"punctuated_word":"After","sentiment":"neutral","sentiment_score":0.20095612108707428},{"word":"fees","start":424.73502,"end":424.975,"confidence":0.9576335,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.21966424584388733},{"word":"you're","start":424.975,"end":425.215,"confidence":0.9902991,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.29856595396995544},{"word":"up","start":425.215,"end":425.45502,"confidence":0.9982498,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3158736824989319},{"word":"by","start":425.45502,"end":425.695,"confidence":0.9988555,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.34622687101364136},{"word":"8.43%","start":425.695,"end":427.135,"confidence":0.98965913,"punctuated_word":"8.43%,","sentiment":"neutral","sentiment_score":0.24462425708770752},{"word":"which","start":427.135,"end":427.375,"confidence":0.99994993,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.3037492036819458},{"word":"is","start":427.375,"end":427.535,"confidence":0.99975675,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.362920343875885},{"word":"not","start":427.535,"end":427.775,"confidence":0.9998988,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.21613699197769165},{"word":"bad","start":427.775,"end":427.935,"confidence":0.9994861,"punctuated_word":"bad","sentiment":"positive","sentiment_score":0.3579065203666687},{"word":"in","start":427.935,"end":428.095,"confidence":0.9981109,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3684974312782288},{"word":"any","start":428.095,"end":428.255,"confidence":0.9971474,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.3196181058883667},{"word":"way","start":428.255,"end":428.415,"confidence":0.949927,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.30563247203826904},{"word":"shape","start":428.415,"end":428.655,"confidence":0.9866264,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.28580179810523987},{"word":"or","start":428.655,"end":428.815,"confidence":0.9986401,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.26047492027282715},{"word":"form","start":428.815,"end":429.055,"confidence":0.99745846,"punctuated_word":"form.","sentiment":"positive","sentiment_score":0.43190962076187134},{"word":"it's","start":429.055,"end":429.215,"confidence":0.99836755,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6170197129249573},{"word":"actually","start":429.215,"end":429.535,"confidence":0.9967842,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6130259037017822},{"word":"quite","start":429.535,"end":429.775,"confidence":0.99920815,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.6706655621528625},{"word":"a","start":429.775,"end":429.855,"confidence":0.998273,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.645071268081665},{"word":"good","start":429.855,"end":430.095,"confidence":0.9998332,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.621643602848053},{"word":"return","start":430.095,"end":430.595,"confidence":0.9998186,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5574554204940796},{"word":"given","start":431.16,"end":431.47998,"confidence":0.9984668,"punctuated_word":"given","sentiment":"positive","sentiment_score":0.5196813344955444},{"word":"the","start":431.47998,"end":431.63998,"confidence":0.9310649,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4758480191230774},{"word":"sort","start":431.63998,"end":431.8,"confidence":0.99583983,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4828810095787048},{"word":"of","start":431.8,"end":431.88,"confidence":0.9895448,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.49976861476898193},{"word":"balance","start":431.88,"end":432.19998,"confidence":0.9984295,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.5739040970802307},{"word":"that","start":432.19998,"end":432.36,"confidence":0.9997211,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5480313301086426},{"word":"you","start":432.36,"end":432.52,"confidence":0.99990296,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4809674024581909},{"word":"do","start":432.52,"end":432.75998,"confidence":0.9997814,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5406610369682312},{"word":"have","start":432.75998,"end":433.0,"confidence":0.92562306,"punctuated_word":"have.","sentiment":"positive","sentiment_score":0.3406686782836914},{"word":"and","start":433.0,"end":433.24,"confidence":0.99968314,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2734644412994385},{"word":"when","start":433.24,"end":433.32,"confidence":0.99782,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.26441606879234314},{"word":"we","start":433.32,"end":433.4,"confidence":0.99923015,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.277522474527359},{"word":"i","start":433.63998,"end":433.72,"confidence":0.99394625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23769602179527283},{"word":"know","start":433.72,"end":433.96,"confidence":0.9995511,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2095405012369156},{"word":"some","start":433.96,"end":434.12,"confidence":0.99840635,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2620192766189575},{"word":"people","start":434.12,"end":434.44,"confidence":0.9994248,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.19100742042064667},{"word":"do","start":434.44,"end":434.68,"confidence":0.99271095,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1363576352596283},{"word":"prefer","start":434.68,"end":435.08,"confidence":0.99580836,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.1935000121593475},{"word":"a","start":435.08,"end":435.16,"confidence":0.9911465,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14477922022342682},{"word":"dollar","start":435.16,"end":435.47998,"confidence":0.99182886,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.1345989555120468},{"word":"figure","start":435.47998,"end":435.8,"confidence":0.99255306,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.12624074518680573},{"word":"as","start":435.8,"end":436.03998,"confidence":0.99783665,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11975257843732834},{"word":"opposed","start":436.03998,"end":436.44,"confidence":0.99606764,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":0.14333586394786835},{"word":"to","start":436.44,"end":436.6,"confidence":0.9993426,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11900326609611513},{"word":"a","start":436.6,"end":436.75998,"confidence":0.99868935,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13317562639713287},{"word":"percentage","start":436.75998,"end":437.25998,"confidence":0.91605616,"punctuated_word":"percentage.","sentiment":"neutral","sentiment_score":0.22032564878463745},{"word":"so","start":437.47998,"end":437.96,"confidence":0.9996979,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.337276816368103},{"word":"the","start":437.96,"end":438.12,"confidence":0.9991254,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37140169739723206},{"word":"return","start":438.12,"end":438.52,"confidence":0.9986318,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.283120721578598},{"word":"is","start":438.52,"end":438.68,"confidence":0.54463154,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34246155619621277},{"word":"a","start":438.68,"end":438.84,"confidence":0.97343045,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31630033254623413},{"word":"dollar","start":438.84,"end":439.16,"confidence":0.99844676,"punctuated_word":"dollar","sentiment":"positive","sentiment_score":0.4048757553100586},{"word":"figure","start":439.16,"end":439.56,"confidence":0.99632543,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.2878122925758362},{"word":"after","start":439.56,"end":439.88,"confidence":0.9845138,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.18493960797786713},{"word":"fees","start":439.88,"end":440.12,"confidence":0.91525453,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.29676127433776855},{"word":"it","start":440.12,"end":440.19998,"confidence":0.9746232,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.35525578260421753},{"word":"means","start":440.19998,"end":440.44,"confidence":0.9993362,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.46260949969291687},{"word":"that","start":440.44,"end":440.6,"confidence":0.99522096,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5471933484077454},{"word":"your","start":440.6,"end":440.84,"confidence":0.95169735,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6400411128997803},{"word":"super","start":440.84,"end":441.03998,"confidence":0.706142,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5515971779823303},{"word":"is","start":441.03998,"end":441.24,"confidence":0.44573852,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6328507661819458},{"word":"growing","start":441.24,"end":441.56,"confidence":0.9057844,"punctuated_word":"growing","sentiment":"positive","sentiment_score":0.5399141311645508},{"word":"by","start":441.56,"end":441.8,"confidence":0.99800533,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.49160975217819214},{"word":"$13,968.01","start":441.8,"end":445.16,"confidence":0.99739075,"punctuated_word":"$13,968.01.","sentiment":"positive","sentiment_score":0.4156302511692047},{"word":"that's","start":445.16,"end":445.4,"confidence":0.9963505,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5335355997085571},{"word":"the","start":445.4,"end":445.725,"confidence":0.86978036,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7194033265113831},{"word":"growth","start":446.045,"end":446.36502,"confidence":0.7660583,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5968434810638428},{"word":"plus","start":446.36502,"end":446.605,"confidence":0.98118585,"punctuated_word":"plus","sentiment":"positive","sentiment_score":0.6176847219467163},{"word":"the","start":446.605,"end":446.845,"confidence":0.99050844,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5766711235046387},{"word":"income","start":446.845,"end":447.165,"confidence":0.9961004,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.5385132431983948},{"word":"in","start":447.165,"end":447.405,"confidence":0.99961436,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5154677033424377},{"word":"the","start":447.405,"end":447.565,"confidence":0.9598981,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4848654270172119},{"word":"in","start":447.565,"end":447.725,"confidence":0.99797565,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5148164629936218},{"word":"the","start":447.725,"end":447.885,"confidence":0.99684095,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41282689571380615},{"word":"fund","start":447.885,"end":448.20502,"confidence":0.8267948,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.4950833320617676},{"word":"for","start":448.20502,"end":448.36502,"confidence":0.99731594,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4694512188434601},{"word":"the","start":448.36502,"end":448.445,"confidence":0.9972746,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4423072338104248},{"word":"last","start":448.445,"end":448.765,"confidence":0.9997297,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.4936264157295227},{"word":"twelve","start":448.765,"end":449.005,"confidence":0.99756134,"punctuated_word":"twelve","sentiment":"positive","sentiment_score":0.5008640885353088},{"word":"months","start":449.005,"end":449.325,"confidence":0.9712823,"punctuated_word":"months,","sentiment":"positive","sentiment_score":0.5135234594345093},{"word":"which","start":449.325,"end":449.565,"confidence":0.9999374,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5900248885154724},{"word":"is","start":449.565,"end":449.725,"confidence":0.9996798,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5944793820381165},{"word":"quite","start":449.725,"end":449.965,"confidence":0.99985754,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.5891147255897522},{"word":"good","start":449.965,"end":450.465,"confidence":0.9998668,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.426369309425354},{"word":"one","start":451.405,"end":451.64502,"confidence":0.6987107,"punctuated_word":"One","sentiment":"positive","sentiment_score":0.3470425307750702},{"word":"of","start":451.64502,"end":451.805,"confidence":0.9996718,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3842142820358277},{"word":"the","start":451.805,"end":451.965,"confidence":0.99880075,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4412243962287903},{"word":"things","start":451.965,"end":452.285,"confidence":0.99968684,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3680043220520019},{"word":"i","start":452.285,"end":452.525,"confidence":0.9993455,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.32186374068260193},{"word":"would","start":452.525,"end":452.685,"confidence":0.9999815,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3586377501487732},{"word":"like","start":452.685,"end":453.005,"confidence":0.9996505,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.3305320143699646},{"word":"to","start":453.005,"end":453.245,"confidence":0.99899167,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3304823040962219},{"word":"sort","start":453.245,"end":453.405,"confidence":0.9712305,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.28989502787590027},{"word":"of","start":453.405,"end":453.565,"confidence":0.99908996,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2361619770526886},{"word":"look","start":453.565,"end":453.725,"confidence":0.9995882,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.30365225672721863},{"word":"at","start":453.725,"end":453.965,"confidence":0.9998658,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2648388147354126},{"word":"is","start":453.965,"end":454.465,"confidence":0.99961144,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3136090636253357},{"word":"having","start":454.605,"end":454.845,"confidence":0.96855795,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.3112829923629761},{"word":"a","start":454.845,"end":455.005,"confidence":0.9996742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.268291711807251},{"word":"look","start":455.005,"end":455.245,"confidence":0.9999596,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2820891737937927},{"word":"at","start":455.245,"end":455.405,"confidence":0.99975127,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.33494260907173157},{"word":"the","start":455.405,"end":455.64502,"confidence":0.9998512,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3736484348773956},{"word":"underlying","start":455.64502,"end":456.14502,"confidence":0.99833506,"punctuated_word":"underlying","sentiment":"positive","sentiment_score":0.35540297627449036},{"word":"performance","start":456.285,"end":456.785,"confidence":0.85409796,"punctuated_word":"performance.","sentiment":"positive","sentiment_score":0.3473133444786072},{"word":"so","start":456.845,"end":457.005,"confidence":0.86567813,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5504833459854126},{"word":"that","start":457.005,"end":457.165,"confidence":0.99937195,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.515198290348053},{"word":"is","start":457.165,"end":457.325,"confidence":0.9996228,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5582574605941772},{"word":"essentially","start":457.325,"end":457.725,"confidence":0.9580976,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.5277315378189087},{"word":"what","start":457.725,"end":457.965,"confidence":0.99963605,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.6246371269226074},{"word":"your","start":457.965,"end":458.20502,"confidence":0.9980034,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6050698161125183},{"word":"whole","start":458.20502,"end":458.55,"confidence":0.9975587,"punctuated_word":"whole","sentiment":"positive","sentiment_score":0.5492178797721863},{"word":"portfolio","start":458.78998,"end":459.27,"confidence":0.999816,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.5330001711845398},{"word":"has","start":459.27,"end":459.50998,"confidence":0.9998927,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5905466079711914},{"word":"done","start":459.50998,"end":459.75,"confidence":0.98123974,"punctuated_word":"done,","sentiment":"positive","sentiment_score":0.5674891471862793},{"word":"which","start":459.75,"end":459.90997,"confidence":0.99985456,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6407835483551025},{"word":"is","start":459.90997,"end":460.06998,"confidence":0.99829406,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7234195470809937},{"word":"a","start":460.06998,"end":460.22998,"confidence":0.9934001,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7705662250518799},{"word":"positive","start":460.22998,"end":460.62997,"confidence":0.9993073,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.6810377240180969},{"word":"sign","start":460.62997,"end":460.94998,"confidence":0.99737096,"punctuated_word":"sign","sentiment":"positive","sentiment_score":0.7111784219741821},{"word":"you're","start":460.94998,"end":461.11,"confidence":0.8708101,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.7479959726333618},{"word":"up","start":461.11,"end":461.27,"confidence":0.8174193,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.6690102815628052},{"word":"and","start":461.27,"end":461.50998,"confidence":0.9987141,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7956907153129578},{"word":"it's","start":461.50998,"end":461.66998,"confidence":0.98593247,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.7682589292526245},{"word":"really","start":461.66998,"end":461.90997,"confidence":0.99971265,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7580707669258118},{"word":"good","start":461.90997,"end":462.06998,"confidence":0.99991024,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7654358744621277},{"word":"for","start":462.06998,"end":462.31,"confidence":0.9995542,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.760912299156189},{"word":"the","start":462.31,"end":462.38998,"confidence":0.99972385,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7656499147415161},{"word":"year","start":462.38998,"end":462.88998,"confidence":0.9985657,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.38601797819137573},{"word":"i'm","start":463.19,"end":463.34998,"confidence":0.75214994,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2362498044967651},{"word":"just","start":463.34998,"end":463.59,"confidence":0.9751429,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20393608510494232},{"word":"also","start":463.59,"end":463.90997,"confidence":0.948337,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.23959708213806152},{"word":"having","start":463.90997,"end":464.15,"confidence":0.99727863,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.16649094223976135},{"word":"a","start":464.15,"end":464.22998,"confidence":0.9982357,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15023227035999298},{"word":"look","start":464.22998,"end":464.47,"confidence":0.9999434,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17666392028331757},{"word":"at","start":464.47,"end":464.55,"confidence":0.9990318,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14924781024456024},{"word":"the","start":464.55,"end":464.71,"confidence":0.9990809,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14481863379478457},{"word":"portfolio","start":464.71,"end":465.21,"confidence":0.9997706,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.17030811309814453},{"word":"you're","start":465.43,"end":465.66998,"confidence":0.9967115,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17927873134613037},{"word":"in","start":465.66998,"end":465.99,"confidence":0.9997998,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22263966500759125},{"word":"as","start":465.99,"end":466.15,"confidence":0.999652,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18567976355552673},{"word":"well","start":466.15,"end":466.65,"confidence":0.9961904,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05314861983060837},{"word":"so","start":467.43,"end":467.75,"confidence":0.8776831,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06029903143644333},{"word":"sorry","start":467.75,"end":467.99,"confidence":0.95805466,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.13525623083114624},{"word":"my","start":467.99,"end":468.22998,"confidence":0.9996306,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.20369157195091248},{"word":"computer","start":468.22998,"end":468.62997,"confidence":0.9995714,"punctuated_word":"computer","sentiment":"neutral","sentiment_score":-0.24321283400058744},{"word":"is","start":468.62997,"end":468.78998,"confidence":0.5917736,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16825516521930697},{"word":"a","start":468.78998,"end":468.87,"confidence":0.9981528,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.200443834066391},{"word":"little","start":468.87,"end":469.11,"confidence":0.9998683,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.22578181326389313},{"word":"bit","start":469.11,"end":469.34998,"confidence":0.9997372,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.21255813539028168},{"word":"slow","start":469.34998,"end":469.59,"confidence":0.99137795,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":-0.1880941390991211},{"word":"this","start":469.59,"end":469.83,"confidence":0.99968064,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1879943460226059},{"word":"morning","start":469.83,"end":470.15,"confidence":0.99641824,"punctuated_word":"morning.","sentiment":"neutral","sentiment_score":-0.14163820445537567},{"word":"i","start":470.15,"end":470.22998,"confidence":0.9997769,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10309948027133942},{"word":"do","start":470.22998,"end":470.47,"confidence":0.9998994,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11792117357254028},{"word":"apologize","start":470.47,"end":470.97,"confidence":0.9991417,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.09562572836875916},{"word":"sorry","start":479.76498,"end":480.16498,"confidence":0.9884896,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.07354401051998138},{"word":"one","start":480.16498,"end":480.405,"confidence":0.99923706,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.04560898244380951},{"word":"moment","start":480.405,"end":480.805,"confidence":0.99476784,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.021945558488368988},{"word":"my","start":480.805,"end":480.965,"confidence":0.9997906,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.15851837396621704},{"word":"computer","start":480.965,"end":481.365,"confidence":0.9996841,"punctuated_word":"computer","sentiment":"neutral","sentiment_score":0.2087348699569702},{"word":"is","start":481.365,"end":481.525,"confidence":0.5578664,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22202324867248535},{"word":"just","start":481.525,"end":481.845,"confidence":0.99990976,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.34669584035873413},{"word":"spinning","start":481.845,"end":482.345,"confidence":0.9996684,"punctuated_word":"spinning.","sentiment":"positive","sentiment_score":0.3470597267150879},{"word":"i","start":482.88498,"end":483.125,"confidence":0.94471484,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6390050649642944},{"word":"love","start":483.125,"end":483.365,"confidence":0.99976414,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.6924532055854797},{"word":"technology","start":483.365,"end":483.865,"confidence":0.999777,"punctuated_word":"technology","sentiment":"positive","sentiment_score":0.724112868309021},{"word":"when","start":483.925,"end":484.085,"confidence":0.9998698,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.6996299624443054},{"word":"it","start":484.085,"end":484.245,"confidence":0.9998338,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7497221827507019},{"word":"wants","start":484.245,"end":484.485,"confidence":0.99917287,"punctuated_word":"wants","sentiment":"positive","sentiment_score":0.733636736869812},{"word":"to","start":484.485,"end":484.645,"confidence":0.99970067,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7565041780471802},{"word":"work","start":484.645,"end":485.145,"confidence":0.99897444,"punctuated_word":"work.","sentiment":"positive","sentiment_score":0.6655031442642212},{"word":"so","start":487.56,"end":487.71997,"confidence":0.89966094,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.37693533301353455},{"word":"having","start":487.71997,"end":488.03998,"confidence":0.9413223,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.4039144515991211},{"word":"a","start":488.03998,"end":488.12,"confidence":0.9562814,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3918582201004028},{"word":"look","start":488.12,"end":488.28,"confidence":0.9993272,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.30161717534065247},{"word":"at","start":488.28,"end":488.36,"confidence":0.9947206,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.33279433846473694},{"word":"things","start":488.36,"end":488.68,"confidence":0.9975218,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.412053257226944},{"word":"at","start":488.68,"end":488.75998,"confidence":0.92697847,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.29393845796585083},{"word":"the","start":488.75998,"end":488.84,"confidence":0.9983912,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3125240206718445},{"word":"moment","start":488.84,"end":489.15997,"confidence":0.99369234,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.30808302760124207},{"word":"it","start":489.15997,"end":489.24,"confidence":0.9768748,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.42428073287010193},{"word":"looks","start":489.24,"end":489.47998,"confidence":0.9995766,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.4262481033802033},{"word":"like","start":489.47998,"end":489.63998,"confidence":0.9962614,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5280946493148804},{"word":"we","start":489.63998,"end":489.8,"confidence":0.999201,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4714283347129822},{"word":"have","start":489.8,"end":489.96,"confidence":0.99993217,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5302596092224121},{"word":"sort","start":489.96,"end":490.12,"confidence":0.9827723,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.5628599524497986},{"word":"of","start":490.12,"end":490.28,"confidence":0.99663144,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5687401294708252},{"word":"reduced","start":490.28,"end":490.59998,"confidence":0.9937657,"punctuated_word":"reduced","sentiment":"positive","sentiment_score":0.3691732585430145},{"word":"your","start":490.59998,"end":490.75998,"confidence":0.79754007,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5198490023612976},{"word":"risk","start":490.75998,"end":491.0,"confidence":0.99858475,"punctuated_word":"risk","sentiment":"positive","sentiment_score":0.3466724157333374},{"word":"in","start":491.0,"end":491.15997,"confidence":0.9994808,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4945334792137146},{"word":"the","start":491.15997,"end":491.24,"confidence":0.9997187,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5268236398696899},{"word":"last","start":491.24,"end":491.47998,"confidence":0.9998932,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.40343987941741943},{"word":"couple","start":491.47998,"end":491.71997,"confidence":0.9996517,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.4126684367656708},{"word":"of","start":491.71997,"end":491.8,"confidence":0.9832802,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4891747236251831},{"word":"years","start":491.8,"end":492.03998,"confidence":0.8229097,"punctuated_word":"years.","sentiment":"positive","sentiment_score":0.4185594320297241},{"word":"it","start":492.03998,"end":492.28,"confidence":0.6309571,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5472586154937744},{"word":"looks","start":492.28,"end":492.43997,"confidence":0.98716253,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.5103857517242432},{"word":"like","start":492.43997,"end":492.59998,"confidence":0.9970553,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5716085433959961},{"word":"you","start":492.59998,"end":492.75998,"confidence":0.9947083,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5751444697380066},{"word":"may","start":492.75998,"end":492.91998,"confidence":0.8927606,"punctuated_word":"may","sentiment":"positive","sentiment_score":0.482464462518692},{"word":"be","start":492.91998,"end":493.0,"confidence":0.9985624,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.491036593914032},{"word":"in","start":493.0,"end":493.15997,"confidence":0.9845925,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5827978253364563},{"word":"more","start":493.15997,"end":493.31998,"confidence":0.99791116,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4493042230606079},{"word":"of","start":493.31998,"end":493.47998,"confidence":0.99728644,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5784651637077332},{"word":"a","start":493.47998,"end":493.56,"confidence":0.9959311,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5684537887573242},{"word":"balanced","start":493.56,"end":493.96,"confidence":0.9281707,"punctuated_word":"balanced","sentiment":"positive","sentiment_score":0.4619567096233368},{"word":"growth","start":493.96,"end":494.28,"confidence":0.95868915,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6181309819221497},{"word":"sort","start":494.28,"end":494.59998,"confidence":0.97739464,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.44741490483284},{"word":"of","start":494.59998,"end":494.91998,"confidence":0.9995956,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5130916237831116},{"word":"portfolio","start":494.91998,"end":495.41998,"confidence":0.99928564,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.4323199689388275},{"word":"at","start":495.63998,"end":495.71997,"confidence":0.9980106,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.46338722109794617},{"word":"the","start":495.71997,"end":495.87997,"confidence":0.9996586,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4632861018180847},{"word":"moment","start":495.87997,"end":496.37997,"confidence":0.9998511,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.3960305154323578},{"word":"when","start":497.0,"end":497.15997,"confidence":0.85689276,"punctuated_word":"When","sentiment":"positive","sentiment_score":0.4209314882755279},{"word":"i","start":497.15997,"end":497.31998,"confidence":0.9998598,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4011777639389038},{"word":"have","start":497.31998,"end":497.47998,"confidence":0.99856746,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31776583194732666},{"word":"a","start":497.47998,"end":497.56,"confidence":0.9947054,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35084736347198486},{"word":"look","start":497.56,"end":497.8,"confidence":0.9997843,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2620049715042114},{"word":"at","start":497.8,"end":497.96,"confidence":0.9996693,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3041711449623108},{"word":"all","start":497.96,"end":498.12,"confidence":0.9996201,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.37269172072410583},{"word":"the","start":498.12,"end":498.36,"confidence":0.9988815,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37911102175712585},{"word":"underlying","start":498.36,"end":498.86,"confidence":0.9996019,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":0.3325980305671692},{"word":"investments","start":498.91998,"end":499.4,"confidence":0.9964462,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.23415178060531616},{"word":"that","start":499.4,"end":499.63998,"confidence":0.999819,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4235735535621643},{"word":"you","start":499.63998,"end":499.71997,"confidence":0.9998018,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4573347270488739},{"word":"have","start":499.71997,"end":499.96,"confidence":0.9983164,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4418781101703644},{"word":"in","start":499.96,"end":500.12,"confidence":0.9996929,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.39482834935188293},{"word":"your","start":500.12,"end":500.28,"confidence":0.99968946,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3295708894729614},{"word":"portfolio","start":500.28,"end":500.78,"confidence":0.9876128,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.25121065974235535},{"word":"there","start":501.08,"end":501.56,"confidence":0.6910961,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.3938094973564148},{"word":"your","start":501.56,"end":501.71997,"confidence":0.91123855,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6751679182052612},{"word":"everything","start":502.335,"end":502.575,"confidence":0.9995592,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.7463909983634949},{"word":"is","start":502.575,"end":502.815,"confidence":0.9986053,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6762469410896301},{"word":"doing","start":502.815,"end":503.055,"confidence":0.9994691,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.6903432011604309},{"word":"really","start":503.055,"end":503.295,"confidence":0.99986935,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7425326108932495},{"word":"well","start":503.295,"end":503.615,"confidence":0.9688518,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6075775623321533},{"word":"everything","start":503.615,"end":504.015,"confidence":0.9999404,"punctuated_word":"Everything","sentiment":"positive","sentiment_score":0.7535225749015808},{"word":"has","start":504.015,"end":504.255,"confidence":0.9996389,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6564972400665283},{"word":"shown","start":504.255,"end":504.495,"confidence":0.98108816,"punctuated_word":"shown","sentiment":"positive","sentiment_score":0.7167693376541138},{"word":"a","start":504.495,"end":504.575,"confidence":0.9967192,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7809497117996216},{"word":"positive","start":504.575,"end":505.055,"confidence":0.99990106,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.8316735625267029},{"word":"return","start":505.055,"end":505.535,"confidence":0.7953027,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.7009775638580322},{"word":"but","start":505.535,"end":505.775,"confidence":0.96854085,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.45319128036499023},{"word":"just","start":505.775,"end":506.015,"confidence":0.67234236,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3503901958465576},{"word":"a","start":506.015,"end":506.095,"confidence":0.9963916,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.570008397102356},{"word":"couple","start":506.095,"end":506.335,"confidence":0.99982506,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.47280508279800415},{"word":"of","start":506.335,"end":506.575,"confidence":0.9992613,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.49763455986976624},{"word":"options","start":506.575,"end":506.895,"confidence":0.99967456,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.26187533140182495},{"word":"there","start":506.895,"end":507.395,"confidence":0.9895196,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.3313770890235901},{"word":"your","start":507.775,"end":508.095,"confidence":0.6791836,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.00786849856376648},{"word":"cybersecurity","start":508.095,"end":508.595,"confidence":0.8657986,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":-0.020290806889533997},{"word":"is","start":508.975,"end":509.215,"confidence":0.9998281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15597817301750183},{"word":"down","start":509.215,"end":509.535,"confidence":0.99968326,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.035607293248176575},{"word":"just","start":509.535,"end":509.695,"confidence":0.99952173,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0533200204372406},{"word":"a","start":509.695,"end":509.855,"confidence":0.9996419,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07975485920906067},{"word":"little","start":509.855,"end":510.015,"confidence":0.9999379,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08513399213552475},{"word":"bit","start":510.015,"end":510.335,"confidence":0.9848926,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.15646059811115265},{"word":"that's","start":510.335,"end":510.575,"confidence":0.9965255,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04629507660865784},{"word":"just","start":510.575,"end":510.815,"confidence":0.9776914,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05216052383184433},{"word":"due","start":510.815,"end":510.975,"confidence":0.99194443,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.024861857295036316},{"word":"to","start":510.975,"end":511.135,"confidence":0.94782513,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010858401656150818},{"word":"it","start":511.135,"end":511.295,"confidence":0.6662402,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05870618671178818},{"word":"being","start":511.295,"end":511.415,"confidence":0.9983804,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.012920618057250977},{"word":"a","start":511.415,"end":511.535,"confidence":0.69533736,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016170423477888107},{"word":"bit","start":511.535,"end":511.775,"confidence":0.99927646,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05362965911626816},{"word":"more","start":511.775,"end":511.935,"confidence":0.9996557,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.05313236266374588},{"word":"volatile","start":511.935,"end":512.415,"confidence":0.9319184,"punctuated_word":"volatile,","sentiment":"neutral","sentiment_score":-0.06313847005367279},{"word":"but","start":512.415,"end":512.575,"confidence":0.9998149,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.006183318793773651},{"word":"your","start":512.575,"end":512.735,"confidence":0.9585274,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04067843407392502},{"word":"cybersecurity","start":512.735,"end":513.235,"confidence":0.9890181,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":-0.0010828524827957151},{"word":"was","start":513.535,"end":513.775,"confidence":0.99531174,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1000831127166748},{"word":"added","start":513.775,"end":514.015,"confidence":0.8451532,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.13733269274234772},{"word":"into","start":514.015,"end":514.335,"confidence":0.9575922,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.10751575231552124},{"word":"the","start":514.335,"end":514.415,"confidence":0.9895811,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10281053185462952},{"word":"portfolio","start":514.415,"end":514.915,"confidence":0.9993801,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.04072203487157822},{"word":"as","start":515.68005,"end":516.0,"confidence":0.9994282,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09739425778388976},{"word":"more","start":516.0,"end":516.4,"confidence":0.99982953,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05651576817035675},{"word":"of","start":516.4,"end":516.64,"confidence":0.9998337,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07151526212692261},{"word":"a","start":516.64,"end":516.96,"confidence":0.99965894,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06756468862295151},{"word":"satellite","start":516.96,"end":517.46,"confidence":0.997936,"punctuated_word":"satellite","sentiment":"neutral","sentiment_score":0.03390081971883774},{"word":"investment","start":517.60004,"end":518.10004,"confidence":0.94331926,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.001521516591310501},{"word":"so","start":518.24005,"end":518.48004,"confidence":0.9982103,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09421509504318236},{"word":"it's","start":518.48004,"end":518.80005,"confidence":0.99432546,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16344714164733887},{"word":"one","start":518.80005,"end":518.96,"confidence":0.9217665,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14158762991428375},{"word":"of","start":518.96,"end":519.04004,"confidence":0.9995646,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08843377232551575},{"word":"the","start":519.04004,"end":519.12006,"confidence":0.9996623,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1555013656616211},{"word":"ones","start":519.12006,"end":519.44,"confidence":0.9975737,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.2060549259185791},{"word":"there","start":519.44,"end":519.68005,"confidence":0.86629987,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13957518339157104},{"word":"that","start":519.68005,"end":519.92004,"confidence":0.997532,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22233787178993225},{"word":"we","start":519.92004,"end":520.08,"confidence":0.9991868,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18269082903862},{"word":"do","start":520.08,"end":520.32,"confidence":0.9999217,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1846483200788498},{"word":"expect","start":520.32,"end":520.64,"confidence":0.99978644,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.11686184257268906},{"word":"to","start":520.64,"end":520.72003,"confidence":0.9969694,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12324001640081406},{"word":"have","start":520.72003,"end":520.96,"confidence":0.9999188,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08372742682695389},{"word":"a","start":520.96,"end":521.04004,"confidence":0.99974436,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08038651943206787},{"word":"bit","start":521.04004,"end":521.2,"confidence":0.99991333,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05857697129249573},{"word":"more","start":521.2,"end":521.36005,"confidence":0.9996754,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.024519681930541992},{"word":"in","start":521.36005,"end":521.52,"confidence":0.97324985,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00023036450147628784},{"word":"the","start":521.52,"end":521.60004,"confidence":0.99943036,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02076587826013565},{"word":"way","start":521.60004,"end":521.76,"confidence":0.99947447,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.016204439103603363},{"word":"of","start":521.76,"end":522.0,"confidence":0.9985372,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.051017388701438904},{"word":"fluctuations","start":522.0,"end":522.5,"confidence":0.96842545,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.14938631653785706},{"word":"because","start":523.2,"end":523.44,"confidence":0.80394083,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04862118512392044},{"word":"it","start":523.44,"end":523.68005,"confidence":0.99988806,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12638941407203674},{"word":"is","start":523.68005,"end":523.84,"confidence":0.9998641,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1152605414390564},{"word":"more","start":523.84,"end":524.0,"confidence":0.9998987,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09238869696855544},{"word":"of","start":524.0,"end":524.08,"confidence":0.9972752,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12216589599847794},{"word":"a","start":524.08,"end":524.24005,"confidence":0.9884946,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08350804448127747},{"word":"niche","start":524.24005,"end":524.48004,"confidence":0.9553795,"punctuated_word":"niche.","sentiment":"neutral","sentiment_score":0.06631308794021606},{"word":"it's","start":524.48004,"end":524.64,"confidence":0.99973524,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.15135225653648376},{"word":"more","start":524.64,"end":524.80005,"confidence":0.998519,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.16214589774608612},{"word":"of","start":524.80005,"end":524.96,"confidence":0.9934524,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17898249626159668},{"word":"a","start":524.96,"end":525.04004,"confidence":0.9257054,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15643759071826935},{"word":"it's","start":525.2,"end":525.44,"confidence":0.9374798,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14402775466442108},{"word":"a","start":525.44,"end":525.60004,"confidence":0.92143124,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12540750205516815},{"word":"theme","start":525.60004,"end":526.0,"confidence":0.6747806,"punctuated_word":"theme","sentiment":"neutral","sentiment_score":0.15850205719470978},{"word":"sort","start":526.0,"end":526.24005,"confidence":0.96802783,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13158804178237915},{"word":"of","start":526.24005,"end":526.4,"confidence":0.99925715,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12234355509281158},{"word":"investment","start":526.4,"end":526.88,"confidence":0.99792707,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0489143505692482},{"word":"option","start":526.88,"end":527.12006,"confidence":0.9200654,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.07571113109588623},{"word":"we're","start":527.12006,"end":527.36005,"confidence":0.99682164,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.15330281853675842},{"word":"looking","start":527.36005,"end":527.60004,"confidence":0.999895,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.15444383025169373},{"word":"at","start":527.60004,"end":527.76,"confidence":0.9989926,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1651313602924347},{"word":"global","start":527.76,"end":528.24005,"confidence":0.9755152,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.17870494723320007},{"word":"cybersecurity","start":528.24005,"end":528.74005,"confidence":0.7968797,"punctuated_word":"cybersecurity,","sentiment":"neutral","sentiment_score":0.1795276403427124},{"word":"and","start":530.015,"end":530.255,"confidence":0.9960961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17393092811107635},{"word":"it's","start":530.255,"end":530.575,"confidence":0.9893366,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19498464465141296},{"word":"you","start":530.655,"end":530.815,"confidence":0.99730706,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21395786106586456},{"word":"have","start":530.815,"end":531.055,"confidence":0.99970514,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17832432687282562},{"word":"a","start":531.055,"end":531.135,"confidence":0.9986173,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19131240248680115},{"word":"smaller","start":531.135,"end":531.53503,"confidence":0.99967086,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.14967013895511627},{"word":"amount","start":531.53503,"end":531.85504,"confidence":0.99535584,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.137455016374588},{"word":"of","start":531.85504,"end":531.935,"confidence":0.565354,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1821058094501495},{"word":"that","start":531.935,"end":532.09503,"confidence":0.9995272,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1872480511665344},{"word":"in","start":532.09503,"end":532.175,"confidence":0.96246463,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12733080983161926},{"word":"your","start":532.175,"end":532.41504,"confidence":0.9987017,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1663406789302826},{"word":"portfolio","start":532.41504,"end":532.91504,"confidence":0.7773495,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.1236828789114952},{"word":"so","start":533.055,"end":533.215,"confidence":0.99669015,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2230207622051239},{"word":"we're","start":533.215,"end":533.375,"confidence":0.79552805,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.38613343238830566},{"word":"aiming","start":533.375,"end":533.695,"confidence":0.99895585,"punctuated_word":"aiming","sentiment":"positive","sentiment_score":0.4325761795043946},{"word":"to","start":533.695,"end":533.85504,"confidence":0.9961494,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47589460015296936},{"word":"kinda","start":533.85504,"end":534.175,"confidence":0.97564757,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.5314777493476868},{"word":"get","start":534.175,"end":534.335,"confidence":0.9988703,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4864940643310547},{"word":"greater","start":534.335,"end":534.575,"confidence":0.99517787,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.44639480113983154},{"word":"potential","start":534.575,"end":535.075,"confidence":0.9989956,"punctuated_word":"potential","sentiment":"positive","sentiment_score":0.5868476033210754},{"word":"benefits","start":535.135,"end":535.635,"confidence":0.81376636,"punctuated_word":"benefits.","sentiment":"positive","sentiment_score":0.3763844966888428},{"word":"so","start":535.695,"end":536.175,"confidence":0.9995528,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03803554177284241},{"word":"i'm","start":536.175,"end":536.335,"confidence":0.99880314,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04358772560954094},{"word":"not","start":536.335,"end":536.575,"confidence":0.9998572,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08358168601989746},{"word":"in","start":536.575,"end":536.655,"confidence":0.88326156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10801611840724944},{"word":"any","start":536.655,"end":536.895,"confidence":0.9920372,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.17486117780208588},{"word":"way","start":536.895,"end":537.135,"confidence":0.9103501,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.12110325694084167},{"word":"shape","start":537.135,"end":537.375,"confidence":0.98853487,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":-0.1471593976020813},{"word":"or","start":537.375,"end":537.53503,"confidence":0.9991371,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17778706550598145},{"word":"form","start":537.53503,"end":537.775,"confidence":0.9985336,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.14067569375038147},{"word":"worried","start":537.775,"end":538.09503,"confidence":0.92628956,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.1617603600025177},{"word":"about","start":538.09503,"end":538.335,"confidence":0.999798,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.21585313975811005},{"word":"the","start":538.335,"end":538.495,"confidence":0.9990841,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18485285341739657},{"word":"cybersecurity","start":538.495,"end":538.995,"confidence":0.99190086,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":-0.1772727370262146},{"word":"side","start":539.29504,"end":539.53503,"confidence":0.9976852,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.2018301486968994},{"word":"of","start":539.53503,"end":539.615,"confidence":0.99916244,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1389397829771042},{"word":"things","start":539.615,"end":539.935,"confidence":0.9997154,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.12036679685115814},{"word":"at","start":539.935,"end":540.09503,"confidence":0.99813676,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.18242135643959043},{"word":"the","start":540.09503,"end":540.175,"confidence":0.99691904,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11744758486747742},{"word":"moment","start":540.175,"end":540.675,"confidence":0.9921715,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.13939782977104187},{"word":"it","start":541.135,"end":541.29504,"confidence":0.6074715,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.12943772971630096},{"word":"just","start":541.29504,"end":541.455,"confidence":0.7663819,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10952244699001312},{"word":"had","start":541.455,"end":541.695,"confidence":0.9977568,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.13554805517196655},{"word":"a","start":541.695,"end":541.775,"confidence":0.9997212,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11157409846782684},{"word":"little","start":541.775,"end":541.935,"confidence":0.99992573,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.11236365139484406},{"word":"bit","start":541.935,"end":542.09503,"confidence":0.9998355,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.13939104974269867},{"word":"of","start":542.09503,"end":542.255,"confidence":0.9997689,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15058225393295288},{"word":"a","start":542.255,"end":542.335,"confidence":0.9983382,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1761152595281601},{"word":"dip","start":542.335,"end":542.7,"confidence":0.9754083,"punctuated_word":"dip.","sentiment":"neutral","sentiment_score":-0.1522478014230728},{"word":"the","start":542.94,"end":543.10004,"confidence":0.9993843,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04368625581264496},{"word":"investment","start":543.10004,"end":543.42,"confidence":0.9847099,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.029472798109054565},{"word":"that","start":543.42,"end":543.58,"confidence":0.9992835,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0610199049115181},{"word":"i","start":543.58,"end":543.74,"confidence":0.9995803,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.024431250989437103},{"word":"am","start":543.74,"end":543.9,"confidence":0.9976519,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.04530659317970276},{"word":"a","start":543.9,"end":543.98004,"confidence":0.99892646,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.012991514056921004},{"word":"little","start":543.98004,"end":544.14,"confidence":0.9999819,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.009629838168621063},{"word":"bit","start":544.14,"end":544.38,"confidence":0.99782014,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.016115155071020126},{"word":"concerned","start":544.38,"end":544.78,"confidence":0.96040595,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.01874352246522903},{"word":"about","start":544.78,"end":545.10004,"confidence":0.99772435,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.017080169171094894},{"word":"is","start":545.10004,"end":545.26,"confidence":0.99929714,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.009401455521583555},{"word":"your","start":545.26,"end":545.5,"confidence":0.99029946,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.026686206459999084},{"word":"bennelong","start":545.5,"end":546.0,"confidence":0.70125514,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.0005248921806924045},{"word":"australian","start":546.06,"end":546.54004,"confidence":0.98529434,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.02584315463900566},{"word":"equities","start":546.54004,"end":547.02,"confidence":0.78112715,"punctuated_word":"Equities.","sentiment":"neutral","sentiment_score":0.01748458296060562},{"word":"so","start":547.02,"end":547.18,"confidence":0.99971503,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05266571789979935},{"word":"you","start":547.18,"end":547.42,"confidence":0.999889,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07000553607940674},{"word":"do","start":547.42,"end":547.58,"confidence":0.99983776,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08298800885677338},{"word":"have","start":547.58,"end":548.08,"confidence":0.9996165,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04590894281864166},{"word":"a","start":548.46,"end":548.62,"confidence":0.67369527,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.051666609942913055},{"word":"fair","start":548.62,"end":548.86,"confidence":0.99468,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.07261809706687927},{"word":"chunk","start":548.86,"end":549.10004,"confidence":0.9888608,"punctuated_word":"chunk","sentiment":"neutral","sentiment_score":0.04884998127818107},{"word":"of","start":549.10004,"end":549.18,"confidence":0.99191636,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.048228923231363297},{"word":"your","start":549.18,"end":549.42,"confidence":0.9975986,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0608384795486927},{"word":"portfolio","start":549.42,"end":549.92,"confidence":0.99974054,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.013249915093183516},{"word":"in","start":549.98004,"end":550.14,"confidence":0.9993937,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06837297976016998},{"word":"that","start":550.14,"end":550.3,"confidence":0.9990344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0712527483701706},{"word":"bennelong","start":550.3,"end":550.8,"confidence":0.9981203,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.053560659289360046},{"word":"australian","start":550.86,"end":551.26,"confidence":0.9973579,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.07098250091075897},{"word":"equities","start":551.26,"end":551.76,"confidence":0.965992,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":0.05533520132303238},{"word":"component","start":551.82,"end":552.22003,"confidence":0.86020637,"punctuated_word":"component,","sentiment":"neutral","sentiment_score":0.057353824377059937},{"word":"and","start":552.22003,"end":552.38,"confidence":0.9995561,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04365556687116623},{"word":"it's","start":552.38,"end":552.62,"confidence":0.9983968,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.051154714077711105},{"word":"not","start":552.62,"end":552.78,"confidence":0.99951804,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.009705647826194763},{"word":"your","start":552.78,"end":553.10004,"confidence":0.99799204,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006903812289237976},{"word":"only","start":553.10004,"end":553.42,"confidence":0.9965037,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.01078587770462036},{"word":"exposure","start":553.42,"end":553.9,"confidence":0.9998437,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.0007825419306755066},{"word":"into","start":553.9,"end":554.22003,"confidence":0.99831736,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0058596692979335785},{"word":"australian","start":554.22003,"end":554.7,"confidence":0.9961493,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.004625760018825531},{"word":"equities","start":554.7,"end":555.18,"confidence":0.78851986,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":0.01167122647166252},{"word":"within","start":555.18,"end":555.58,"confidence":0.9996885,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.0036107003688812256},{"word":"this","start":555.58,"end":555.82,"confidence":0.9947811,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.023539170622825623},{"word":"portfolio","start":555.82,"end":556.32,"confidence":0.98701537,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.0018517747521400452},{"word":"so","start":556.54004,"end":557.025,"confidence":0.9986356,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06348977982997894},{"word":"all","start":557.185,"end":557.42505,"confidence":0.99762815,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10006188601255415},{"word":"your","start":557.42505,"end":557.505,"confidence":0.99868673,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07136604934930801},{"word":"other","start":557.505,"end":558.005,"confidence":0.99979085,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.043324366211891174},{"word":"australian","start":558.065,"end":558.565,"confidence":0.9985677,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.008996590971946716},{"word":"exposure","start":558.705,"end":559.185,"confidence":0.9995096,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.05642127990722656},{"word":"has","start":559.185,"end":559.505,"confidence":0.9998559,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.051391713321208954},{"word":"done","start":559.505,"end":559.745,"confidence":0.9994979,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.17888924479484558},{"word":"really","start":559.745,"end":559.98505,"confidence":0.9761296,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":0.11454370617866516},{"word":"really","start":559.98505,"end":560.22504,"confidence":0.9999845,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1289992332458496},{"word":"well","start":560.22504,"end":560.705,"confidence":0.98490787,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.10497301816940308},{"word":"but","start":560.705,"end":560.945,"confidence":0.99973625,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0278003066778183},{"word":"bennelong","start":560.945,"end":561.445,"confidence":0.69652843,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.07736951112747192},{"word":"has","start":561.505,"end":561.745,"confidence":0.9980287,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.07390253990888596},{"word":"seen","start":561.745,"end":561.98505,"confidence":0.75551456,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.015348628163337708},{"word":"a","start":561.98505,"end":562.065,"confidence":0.99947673,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07905988395214081},{"word":"bit","start":562.065,"end":562.22504,"confidence":0.9996611,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06551764160394669},{"word":"of","start":562.22504,"end":562.385,"confidence":0.99944776,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07843916863203049},{"word":"a","start":562.385,"end":562.465,"confidence":0.99716216,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0916784405708313},{"word":"dip","start":562.465,"end":562.965,"confidence":0.95363295,"punctuated_word":"dip.","sentiment":"neutral","sentiment_score":-0.08248518407344818},{"word":"and","start":563.10504,"end":563.34503,"confidence":0.6729627,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.08118028193712234},{"word":"in","start":563.34503,"end":563.505,"confidence":0.8317879,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11348796635866164},{"word":"your","start":563.505,"end":563.745,"confidence":0.9996842,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07493800669908524},{"word":"portfolio","start":563.745,"end":564.245,"confidence":0.9853258,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.07940304279327393},{"word":"it's","start":564.30505,"end":564.54504,"confidence":0.9976119,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1062229573726654},{"word":"down","start":564.54504,"end":564.78503,"confidence":0.9991683,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.03446488082408905},{"word":"by","start":564.78503,"end":564.945,"confidence":0.99955195,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.04553184285759926},{"word":"about","start":564.945,"end":565.34503,"confidence":0.93805194,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.12356339395046234},{"word":"15%","start":565.34503,"end":566.22504,"confidence":0.9956683,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":-0.03355950862169266},{"word":"there","start":566.22504,"end":566.54504,"confidence":0.8894857,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1419253796339035},{"word":"so","start":566.54504,"end":567.04504,"confidence":0.9994129,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13736896216869354},{"word":"it","start":567.10504,"end":567.265,"confidence":0.9988009,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2024640291929245},{"word":"is","start":567.265,"end":567.505,"confidence":0.9997291,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.13389815390110016},{"word":"quite","start":567.505,"end":567.825,"confidence":0.99947673,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.10520748049020769},{"word":"significantly","start":567.825,"end":568.325,"confidence":0.99949837,"punctuated_word":"significantly","sentiment":"neutral","sentiment_score":-0.1310710608959198},{"word":"down","start":568.54504,"end":569.025,"confidence":0.9951467,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.09508083760738371},{"word":"i","start":569.025,"end":569.185,"confidence":0.92801625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00821775197982788},{"word":"feel","start":569.185,"end":569.42505,"confidence":0.993863,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.0025015175342559814},{"word":"like","start":569.42505,"end":569.505,"confidence":0.98331314,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10393661260604858},{"word":"it","start":569.505,"end":569.66504,"confidence":0.99772567,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.052011460065841675},{"word":"has","start":569.66504,"end":569.825,"confidence":0.9989569,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.12025097012519836},{"word":"maybe","start":569.905,"end":570.145,"confidence":0.9975375,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1631954163312912},{"word":"you","start":570.145,"end":570.30505,"confidence":0.9659457,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23817573487758636},{"word":"made","start":570.30505,"end":570.465,"confidence":0.99419856,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.32550764083862305},{"word":"a","start":570.465,"end":570.54504,"confidence":0.98552424,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2911241948604584},{"word":"little","start":570.54504,"end":570.78503,"confidence":0.993194,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.200204074382782},{"word":"bit","start":570.78503,"end":570.945,"confidence":0.97209644,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2544839084148407},{"word":"of","start":570.945,"end":571.025,"confidence":0.9515553,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30560439825057983},{"word":"an","start":571.025,"end":571.185,"confidence":0.9068939,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.27144455909729004},{"word":"impact","start":571.185,"end":571.53,"confidence":0.78786534,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":0.29728224873542786},{"word":"to","start":571.53,"end":571.77,"confidence":0.9926219,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3822682499885559},{"word":"your","start":571.77,"end":571.93005,"confidence":0.999153,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3489205539226532},{"word":"overall","start":571.93005,"end":572.41003,"confidence":0.9974535,"punctuated_word":"overall","sentiment":"positive","sentiment_score":0.3724896311759949},{"word":"return","start":572.41003,"end":572.73004,"confidence":0.98642343,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.38081932067871094},{"word":"for","start":572.73004,"end":572.89,"confidence":0.9822405,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35491806268692017},{"word":"this","start":572.89,"end":573.13,"confidence":0.9998442,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3446306586265564},{"word":"year","start":573.13,"end":573.63,"confidence":0.9084002,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.29529446363449097},{"word":"and","start":573.69,"end":573.93005,"confidence":0.9994104,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07322819530963898},{"word":"that","start":573.93005,"end":574.17004,"confidence":0.99991715,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.016226589679718018},{"word":"is","start":574.17004,"end":574.41003,"confidence":0.9998481,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06516185402870178},{"word":"down","start":574.41003,"end":574.65,"confidence":0.9996656,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.03510613739490509},{"word":"because","start":574.65,"end":575.05005,"confidence":0.9990398,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.13216844201087952},{"word":"of","start":575.05005,"end":575.21,"confidence":0.9993711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16977086663246155},{"word":"what's","start":575.21,"end":575.53,"confidence":0.86785734,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.3088054060935974},{"word":"happened","start":575.53,"end":575.85004,"confidence":0.99828964,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.2816700339317322},{"word":"with","start":575.85004,"end":576.09,"confidence":0.463617,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2599632740020752},{"word":"one","start":576.09,"end":576.25,"confidence":0.9233669,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2791276276111603},{"word":"of","start":576.25,"end":576.33,"confidence":0.9984989,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12484409660100936},{"word":"the","start":576.33,"end":576.57,"confidence":0.7237268,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16266778111457825},{"word":"underlying","start":576.57,"end":577.07,"confidence":0.9977254,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":-0.15474654734134674},{"word":"investors","start":577.13,"end":577.61005,"confidence":0.9522568,"punctuated_word":"investors.","sentiment":"neutral","sentiment_score":-0.13707391917705536},{"word":"i'm","start":577.61005,"end":577.77,"confidence":0.8854821,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09819607436656952},{"word":"not","start":577.77,"end":578.01,"confidence":0.999892,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1015314683318138},{"word":"sure","start":578.01,"end":578.25,"confidence":0.99989796,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.1345946341753006},{"word":"if","start":578.25,"end":578.41003,"confidence":0.999629,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10031889379024506},{"word":"you","start":578.41003,"end":578.57,"confidence":0.9997217,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08434665948152542},{"word":"follow","start":578.57,"end":578.89,"confidence":0.99414045,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":-0.06593386828899384},{"word":"the","start":578.89,"end":579.05005,"confidence":0.9993949,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08559218794107437},{"word":"news","start":579.05005,"end":579.45,"confidence":0.99973243,"punctuated_word":"news","sentiment":"neutral","sentiment_score":-0.06627024710178375},{"word":"a","start":579.45,"end":579.53,"confidence":0.98128474,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.035110022872686386},{"word":"great","start":579.53,"end":579.77,"confidence":0.9932111,"punctuated_word":"great","sentiment":"neutral","sentiment_score":0.022679530084133148},{"word":"deal","start":579.77,"end":580.01,"confidence":0.9760065,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":0.00444137305021286},{"word":"with","start":580.01,"end":580.25,"confidence":0.99421173,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0349922776222229},{"word":"regard","start":580.25,"end":580.73004,"confidence":0.6716715,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":-0.027330055832862857},{"word":"to","start":580.73004,"end":581.13,"confidence":0.99915004,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015402138233184814},{"word":"the","start":581.13,"end":581.29004,"confidence":0.99921,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0105690136551857},{"word":"markets","start":581.29004,"end":581.77,"confidence":0.92958874,"punctuated_word":"markets.","sentiment":"neutral","sentiment_score":-0.04073525965213776},{"word":"do","start":581.77,"end":581.85004,"confidence":0.98934793,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.04032745957374573},{"word":"you","start":581.85004,"end":582.01,"confidence":0.9988825,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0337657630443573},{"word":"sort","start":582.01,"end":582.25,"confidence":0.9062387,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04051932692527771},{"word":"of","start":582.25,"end":582.33,"confidence":0.60775816,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04622770845890045},{"word":"have","start":582.33,"end":582.49005,"confidence":0.99871325,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.019442826509475708},{"word":"a","start":582.49005,"end":582.57,"confidence":0.9963084,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.031613875180482864},{"word":"look","start":582.57,"end":582.81006,"confidence":0.99891305,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.02297522872686386},{"word":"at","start":582.81006,"end":582.89,"confidence":0.9884779,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.013193484395742416},{"word":"things","start":582.89,"end":583.21,"confidence":0.9958348,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.010309413075447084},{"word":"very","start":583.21,"end":583.45,"confidence":0.83775246,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.05471905693411827},{"word":"often","start":583.45,"end":583.95,"confidence":0.9944294,"punctuated_word":"often?","sentiment":"neutral","sentiment_score":-0.040097400546073914},{"word":"yeah","start":590.065,"end":590.565,"confidence":0.8840052,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04159867763519287},{"word":"yep","start":591.025,"end":591.525,"confidence":0.9429037,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08943510055541992},{"word":"yeah","start":600.87994,"end":601.37994,"confidence":0.63127714,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03675338625907898},{"word":"no","start":601.92,"end":602.42,"confidence":0.74089324,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21136367321014404},{"word":"that's","start":602.56,"end":602.87994,"confidence":0.99294233,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06519222259521484},{"word":"okay","start":602.87994,"end":603.27997,"confidence":0.99855137,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.05248146876692772},{"word":"that's","start":603.27997,"end":603.6,"confidence":0.9996885,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.26778292655944824},{"word":"not","start":603.6,"end":603.75995,"confidence":0.9997079,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2163192480802536},{"word":"a","start":603.75995,"end":603.83997,"confidence":0.9981218,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2107299566268921},{"word":"problem","start":603.83997,"end":604.16,"confidence":0.9997875,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.26406264305114746},{"word":"at","start":604.16,"end":604.24,"confidence":0.99289966,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24127450585365295},{"word":"all","start":604.24,"end":604.31995,"confidence":0.769058,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.2237890064716339},{"word":"and","start":604.31995,"end":604.48,"confidence":0.99799335,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2775593101978302},{"word":"that's","start":604.48,"end":604.72,"confidence":0.9997571,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.25655660033226013},{"word":"why","start":604.72,"end":604.87994,"confidence":0.7735148,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.20346970856189728},{"word":"i'm","start":604.87994,"end":605.04,"confidence":0.9998306,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.3179837763309479},{"word":"here","start":605.04,"end":605.27997,"confidence":0.99977666,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.23118311166763303},{"word":"for","start":605.27997,"end":605.44,"confidence":0.99907124,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1904466152191162},{"word":"as","start":605.44,"end":605.6,"confidence":0.99124056,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19275853037834167},{"word":"well","start":605.6,"end":605.83997,"confidence":0.99339175,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18244077265262604},{"word":"part","start":605.83997,"end":606.07996,"confidence":0.9966929,"punctuated_word":"Part","sentiment":"positive","sentiment_score":0.39960741996765137},{"word":"of","start":606.07996,"end":606.24,"confidence":0.99983084,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3621862828731537},{"word":"what","start":606.24,"end":606.31995,"confidence":0.9998646,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.43716961145401},{"word":"i","start":606.31995,"end":606.48,"confidence":0.99982125,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4248073101043701},{"word":"love","start":606.48,"end":606.72,"confidence":0.99985695,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.5389828085899353},{"word":"is","start":606.72,"end":606.87994,"confidence":0.9995061,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5686631798744202},{"word":"the","start":606.87994,"end":607.04,"confidence":0.9995192,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6608083844184875},{"word":"educational","start":607.04,"end":607.54,"confidence":0.9986639,"punctuated_word":"educational","sentiment":"positive","sentiment_score":0.6429871320724487},{"word":"value","start":607.68,"end":608.16,"confidence":0.99985945,"punctuated_word":"value","sentiment":"positive","sentiment_score":0.5323114395141602},{"word":"towards","start":608.16,"end":608.56,"confidence":0.99928445,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.6118236184120178},{"word":"what","start":608.56,"end":608.8,"confidence":0.99984014,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.6998903155326843},{"word":"we","start":608.8,"end":609.04,"confidence":0.99906164,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.671789288520813},{"word":"do","start":609.04,"end":609.44,"confidence":0.99730957,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.5226507186889648},{"word":"so","start":609.44,"end":609.915,"confidence":0.9316185,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.12364067137241364},{"word":"essentially","start":610.71497,"end":611.195,"confidence":0.9983721,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.07167291641235352},{"word":"to","start":611.195,"end":611.355,"confidence":0.99982303,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05646936595439911},{"word":"give","start":611.355,"end":611.51495,"confidence":0.9996184,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07151946425437927},{"word":"you","start":611.51495,"end":611.675,"confidence":0.99988616,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09431690722703934},{"word":"a","start":611.675,"end":611.755,"confidence":0.9994898,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08566640317440033},{"word":"bit","start":611.755,"end":611.915,"confidence":0.9999062,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08961687982082367},{"word":"of","start":611.915,"end":612.07495,"confidence":0.9997613,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08650170266628265},{"word":"an","start":612.07495,"end":612.235,"confidence":0.998955,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07829605787992477},{"word":"overview","start":612.235,"end":612.735,"confidence":0.997198,"punctuated_word":"overview,","sentiment":"neutral","sentiment_score":0.07325659692287445},{"word":"bennelong","start":612.875,"end":613.375,"confidence":0.9575265,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.00973495002835989},{"word":"had","start":613.51495,"end":613.755,"confidence":0.9908082,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.01243928074836731},{"word":"one","start":613.755,"end":613.995,"confidence":0.998072,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.037952277809381485},{"word":"of","start":613.995,"end":614.07495,"confidence":0.9993051,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015537872910499573},{"word":"their","start":614.07495,"end":614.315,"confidence":0.7054623,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.015013638883829117},{"word":"underlying","start":614.315,"end":614.795,"confidence":0.9973743,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":0.019979100674390793},{"word":"investments","start":614.795,"end":615.295,"confidence":0.91708845,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.004221002571284771},{"word":"corporate","start":615.355,"end":615.755,"confidence":0.90205103,"punctuated_word":"Corporate","sentiment":"neutral","sentiment_score":0.017796382308006287},{"word":"traveler","start":615.755,"end":616.255,"confidence":0.8135199,"punctuated_word":"Traveler.","sentiment":"neutral","sentiment_score":0.007605340331792831},{"word":"and","start":616.39496,"end":616.63495,"confidence":0.9889447,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06507252901792526},{"word":"late","start":616.63495,"end":616.875,"confidence":0.8988564,"punctuated_word":"late","sentiment":"neutral","sentiment_score":-0.13754026591777802},{"word":"last","start":616.875,"end":617.115,"confidence":0.99946123,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.11988787353038788},{"word":"year","start":617.115,"end":617.355,"confidence":0.99818695,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.121441051363945},{"word":"corporate","start":617.355,"end":617.755,"confidence":0.9975454,"punctuated_word":"Corporate","sentiment":"neutral","sentiment_score":-0.12230062484741212},{"word":"traveler","start":617.755,"end":618.07495,"confidence":0.99952507,"punctuated_word":"Traveler","sentiment":"neutral","sentiment_score":-0.1998445987701416},{"word":"had","start":618.07495,"end":618.235,"confidence":0.99251735,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.22839027643203735},{"word":"a","start":618.235,"end":618.315,"confidence":0.99962974,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24144789576530457},{"word":"bit","start":618.315,"end":618.475,"confidence":0.9997912,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2500770688056946},{"word":"of","start":618.475,"end":618.63495,"confidence":0.9996008,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17263343930244446},{"word":"an","start":618.63495,"end":618.71497,"confidence":0.99895537,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.18068110942840576},{"word":"issue","start":618.71497,"end":618.95496,"confidence":0.8806383,"punctuated_word":"issue.","sentiment":"neutral","sentiment_score":-0.1436534970998764},{"word":"they","start":618.95496,"end":619.035,"confidence":0.9951567,"punctuated_word":"They","sentiment":"negative","sentiment_score":-0.3818720877170563},{"word":"were","start":619.035,"end":619.195,"confidence":0.9807062,"punctuated_word":"were","sentiment":"negative","sentiment_score":-0.4662204384803772},{"word":"being","start":619.195,"end":619.315,"confidence":0.99447745,"punctuated_word":"being","sentiment":"negative","sentiment_score":-0.4965831935405731},{"word":"a","start":619.315,"end":619.435,"confidence":0.99805695,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5477243661880493},{"word":"bit","start":619.435,"end":619.675,"confidence":0.9984291,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.4907662868499756},{"word":"dishonest","start":619.675,"end":620.15497,"confidence":0.99893075,"punctuated_word":"dishonest","sentiment":"negative","sentiment_score":-0.5860656499862671},{"word":"to","start":620.15497,"end":620.235,"confidence":0.86964375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.49514269828796387},{"word":"the","start":620.235,"end":620.315,"confidence":0.99343586,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4926967918872833},{"word":"market","start":620.315,"end":620.71497,"confidence":0.9917003,"punctuated_word":"market.","sentiment":"negative","sentiment_score":-0.4278833866119385},{"word":"they","start":620.71497,"end":620.95496,"confidence":0.9997769,"punctuated_word":"They","sentiment":"negative","sentiment_score":-0.4092418849468231},{"word":"weren't","start":620.95496,"end":621.45496,"confidence":0.9990738,"punctuated_word":"weren't","sentiment":"negative","sentiment_score":-0.3882001042366028},{"word":"accounting","start":621.755,"end":622.255,"confidence":0.97648096,"punctuated_word":"accounting","sentiment":"negative","sentiment_score":-0.3736896812915802},{"word":"properly","start":622.315,"end":622.815,"confidence":0.75077194,"punctuated_word":"properly.","sentiment":"negative","sentiment_score":-0.3760422468185425},{"word":"so","start":622.95496,"end":623.27496,"confidence":0.9997018,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.16850443184375763},{"word":"that","start":623.27496,"end":623.595,"confidence":0.9997011,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2296474725008011},{"word":"came","start":623.595,"end":623.83496,"confidence":0.9999299,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.2172495424747467},{"word":"out","start":623.83496,"end":624.07495,"confidence":0.99700963,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.23574692010879517},{"word":"when","start":624.07495,"end":624.315,"confidence":0.99738306,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.24296781420707703},{"word":"they","start":624.315,"end":624.555,"confidence":0.99989986,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2045653760433197},{"word":"had","start":624.555,"end":624.71497,"confidence":0.9995821,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2132610380649567},{"word":"to","start":624.71497,"end":624.95496,"confidence":0.99712914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2129257470369339},{"word":"report","start":624.95496,"end":625.45496,"confidence":0.9822488,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":-0.21189072728157043},{"word":"bennelong","start":625.77,"end":626.25,"confidence":0.7824137,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.20012955367565155},{"word":"had","start":626.25,"end":626.49005,"confidence":0.9978461,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.23805680871009827},{"word":"to","start":626.49005,"end":626.57,"confidence":0.999683,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22907288372516632},{"word":"go","start":626.57,"end":626.81006,"confidence":0.99969757,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.27227818965911865},{"word":"back","start":626.81006,"end":626.97003,"confidence":0.99980086,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.23760738968849185},{"word":"and","start":626.97003,"end":627.21,"confidence":0.99875426,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.29185059666633606},{"word":"reevaluate","start":627.21,"end":627.71,"confidence":0.99355364,"punctuated_word":"reevaluate","sentiment":"neutral","sentiment_score":-0.16797024011611938},{"word":"that","start":627.85004,"end":628.09,"confidence":0.9072615,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19703057408332825},{"word":"portion","start":628.09,"end":628.41003,"confidence":0.99501246,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":-0.13654115796089172},{"word":"of","start":628.41003,"end":628.57,"confidence":0.99869055,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15229685604572296},{"word":"their","start":628.57,"end":628.73004,"confidence":0.99764985,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.19449007511138916},{"word":"investments","start":628.73004,"end":629.23004,"confidence":0.88999516,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.07536277174949646},{"word":"and","start":629.85004,"end":630.01,"confidence":0.9463489,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.047925688326358795},{"word":"it","start":630.01,"end":630.09,"confidence":0.9977059,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13383333384990692},{"word":"meant","start":630.09,"end":630.33,"confidence":0.9992374,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":-0.13728702068328855},{"word":"that","start":630.33,"end":630.49005,"confidence":0.99972886,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1689530313014984},{"word":"everyone","start":630.49005,"end":630.89,"confidence":0.9992016,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.15042072534561157},{"word":"has","start":630.89,"end":631.13,"confidence":0.99951017,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.11696431040763856},{"word":"now","start":631.13,"end":631.29004,"confidence":0.9945115,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.09511449187994005},{"word":"gone","start":631.29004,"end":631.53,"confidence":0.9933382,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.0832325741648674},{"word":"back","start":631.53,"end":631.69,"confidence":0.99968755,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.05804900825023651},{"word":"and","start":631.69,"end":631.93005,"confidence":0.9992797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10411486774683},{"word":"reevaluated","start":631.93005,"end":632.43005,"confidence":0.9894583,"punctuated_word":"reevaluated","sentiment":"neutral","sentiment_score":-0.06243598461151123},{"word":"bennelong","start":632.65,"end":633.15,"confidence":0.99983704,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.14210203289985657},{"word":"as","start":633.21,"end":633.37006,"confidence":0.99953103,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.10172627121210098},{"word":"well","start":633.37006,"end":633.69,"confidence":0.99558866,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.12104351818561554},{"word":"so","start":633.69,"end":633.93005,"confidence":0.99937844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2346569746732712},{"word":"our","start":633.93005,"end":634.09,"confidence":0.9992077,"punctuated_word":"our","sentiment":"negative","sentiment_score":-0.3689421415328979},{"word":"investment","start":634.09,"end":634.59,"confidence":0.99547124,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.242349311709404},{"word":"committee","start":634.65,"end":635.05005,"confidence":0.99949586,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":-0.3089425563812256},{"word":"early","start":635.05005,"end":635.29004,"confidence":0.6795564,"punctuated_word":"early","sentiment":"negative","sentiment_score":-0.3518674373626709},{"word":"this","start":635.29004,"end":635.53,"confidence":0.99379456,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.29407626390457153},{"word":"year","start":635.53,"end":635.77,"confidence":0.9757151,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.2944504916667938},{"word":"have","start":635.77,"end":635.93005,"confidence":0.6785738,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.25433310866355896},{"word":"met","start":635.93005,"end":636.17004,"confidence":0.9976223,"punctuated_word":"met","sentiment":"neutral","sentiment_score":-0.261135995388031},{"word":"to","start":636.17004,"end":636.33,"confidence":0.9919801,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23353369534015656},{"word":"decide","start":636.33,"end":636.81006,"confidence":0.9986033,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.2061906456947327},{"word":"they","start":636.81006,"end":636.97003,"confidence":0.8073863,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2709684669971466},{"word":"no","start":636.97003,"end":637.21,"confidence":0.99927694,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.263171523809433},{"word":"longer","start":637.21,"end":637.53,"confidence":0.9995776,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.2901277244091034},{"word":"want","start":637.53,"end":637.85004,"confidence":0.99839455,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.20100434124469757},{"word":"to","start":637.85004,"end":638.01,"confidence":0.9989826,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2147334516048431},{"word":"hold","start":638.01,"end":638.17004,"confidence":0.9980465,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.20152762532234192},{"word":"bennelong","start":638.17004,"end":638.67004,"confidence":0.99561715,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.28270772099494934},{"word":"in","start":638.81006,"end":638.97003,"confidence":0.9996227,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2542861998081207},{"word":"the","start":638.97003,"end":639.21,"confidence":0.9154743,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21122434735298157},{"word":"portfolios","start":639.21,"end":639.71,"confidence":0.87625,"punctuated_word":"portfolios.","sentiment":"neutral","sentiment_score":-0.19050072133541107},{"word":"we","start":640.33496,"end":640.495,"confidence":0.9821946,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.32698699831962585},{"word":"do","start":640.495,"end":640.65497,"confidence":0.9999411,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.30753785371780396},{"word":"feel","start":640.65497,"end":640.89496,"confidence":0.99935955,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.3326602578163147},{"word":"it","start":640.89496,"end":641.055,"confidence":0.9389612,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.42261016368865967},{"word":"is","start":641.055,"end":641.21497,"confidence":0.996231,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4221765100955963},{"word":"really","start":641.21497,"end":641.45496,"confidence":0.9996772,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.343426376581192},{"word":"important","start":641.45496,"end":641.77496,"confidence":0.9997811,"punctuated_word":"important","sentiment":"negative","sentiment_score":-0.4128636121749878},{"word":"to","start":641.77496,"end":642.01495,"confidence":0.998987,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.46862050890922546},{"word":"move","start":642.01495,"end":642.33496,"confidence":0.99807906,"punctuated_word":"move","sentiment":"negative","sentiment_score":-0.3854639530181885},{"word":"everybody","start":642.33496,"end":642.83496,"confidence":0.99971193,"punctuated_word":"everybody","sentiment":"negative","sentiment_score":-0.37818774580955505},{"word":"out","start":642.89496,"end":643.055,"confidence":0.9997787,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.31985628604888916},{"word":"of","start":643.055,"end":643.21497,"confidence":0.99873585,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2886219620704651},{"word":"that","start":643.21497,"end":643.375,"confidence":0.99994993,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.384331077337265},{"word":"one","start":643.375,"end":643.875,"confidence":0.9689964,"punctuated_word":"one.","sentiment":"negative","sentiment_score":-0.3576256036758423},{"word":"so","start":644.33496,"end":644.495,"confidence":0.9772296,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0892874076962471},{"word":"i","start":644.495,"end":644.65497,"confidence":0.9997557,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1371881663799286},{"word":"would","start":644.65497,"end":644.89496,"confidence":0.9999567,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11542879045009612},{"word":"like","start":644.89496,"end":645.13495,"confidence":0.9996661,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.08263549953699112},{"word":"to","start":645.13495,"end":645.295,"confidence":0.9789724,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.04509451612830162},{"word":"as","start":645.295,"end":645.45496,"confidence":0.9998863,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0076497942209243774},{"word":"part","start":645.45496,"end":645.69495,"confidence":0.99806744,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.037268780171871185},{"word":"of","start":645.69495,"end":645.77496,"confidence":0.9995468,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07585124671459198},{"word":"the","start":645.77496,"end":645.935,"confidence":0.9992902,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07570919394493103},{"word":"advice","start":645.935,"end":646.435,"confidence":0.9894022,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.04955608770251274},{"word":"update","start":646.495,"end":646.975,"confidence":0.9996093,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0105791836977005},{"word":"the","start":646.975,"end":647.295,"confidence":0.9132493,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02303341031074524},{"word":"strategy","start":647.295,"end":647.77496,"confidence":0.9987212,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.00558064877986908},{"word":"for","start":647.77496,"end":648.01495,"confidence":0.99993205,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05277262628078461},{"word":"you","start":648.01495,"end":648.25494,"confidence":0.9338826,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.018376514315605164},{"word":"have","start":648.25494,"end":648.495,"confidence":0.9986273,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04780028760433197},{"word":"a","start":648.495,"end":648.57495,"confidence":0.9998129,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03944912180304527},{"word":"look","start":648.57495,"end":648.735,"confidence":0.9999255,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02478925883769989},{"word":"at","start":648.735,"end":648.975,"confidence":0.998505,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0004989281296730042},{"word":"removing","start":648.975,"end":649.375,"confidence":0.9999018,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.014545083045959473},{"word":"that","start":649.375,"end":649.535,"confidence":0.99912065,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1636754274368286},{"word":"and","start":649.535,"end":649.69495,"confidence":0.84637,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09580912441015244},{"word":"putting","start":649.69495,"end":650.01495,"confidence":0.9993216,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.025750376284122467},{"word":"something","start":650.01495,"end":650.33496,"confidence":0.99958843,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.032234810292720795},{"word":"else","start":650.33496,"end":650.57495,"confidence":0.99979275,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.02335849404335022},{"word":"in","start":650.57495,"end":650.735,"confidence":0.9688237,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.029534488916397095},{"word":"its","start":650.735,"end":650.975,"confidence":0.957752,"punctuated_word":"its","sentiment":"neutral","sentiment_score":-0.01867716014385223},{"word":"place","start":650.975,"end":651.475,"confidence":0.99802756,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.0033200085163116455},{"word":"we","start":651.77496,"end":651.935,"confidence":0.9953827,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.029897741973400116},{"word":"can","start":651.935,"end":652.175,"confidence":0.9997273,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06078643724322319},{"word":"look","start":652.175,"end":652.33496,"confidence":0.99959797,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06726507842540741},{"word":"at","start":652.33496,"end":652.495,"confidence":0.9987569,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04873193800449371},{"word":"more","start":652.495,"end":652.735,"confidence":0.99722457,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05617009848356247},{"word":"of","start":652.735,"end":652.81494,"confidence":0.97889555,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.048090897500514984},{"word":"a","start":652.81494,"end":653.19,"confidence":0.76738894,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07027286291122437},{"word":"bennelong","start":653.27,"end":653.67,"confidence":0.7156564,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.016826065257191658},{"word":"was","start":653.67,"end":653.91,"confidence":0.95606345,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.049483105540275574},{"word":"placed","start":653.91,"end":654.15,"confidence":0.9672121,"punctuated_word":"placed","sentiment":"neutral","sentiment_score":0.06090186536312103},{"word":"in","start":654.15,"end":654.31,"confidence":0.99885845,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08351477235555649},{"word":"your","start":654.31,"end":654.71,"confidence":0.99972135,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10101518034934998},{"word":"portfolio","start":654.71,"end":655.21,"confidence":0.99972934,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.041696660220623016},{"word":"as","start":655.27,"end":655.43,"confidence":0.9995714,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06789563596248627},{"word":"more","start":655.43,"end":655.67,"confidence":0.99987924,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.04458167031407356},{"word":"of","start":655.67,"end":655.75,"confidence":0.9993787,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04198255389928818},{"word":"an","start":655.75,"end":655.91,"confidence":0.9998287,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.03852232918143272},{"word":"actively","start":655.91,"end":656.39,"confidence":0.9973091,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.10896749794483183},{"word":"managed","start":656.39,"end":656.87,"confidence":0.9896219,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.04567853733897209},{"word":"strategy","start":656.87,"end":657.37,"confidence":0.9849613,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.0502234511077404},{"word":"however","start":657.43,"end":657.93,"confidence":0.9991944,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.1156683787703514},{"word":"bennelong","start":658.47003,"end":658.97003,"confidence":0.9942868,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.2085092067718506},{"word":"don't","start":659.03,"end":659.27,"confidence":0.91879785,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.28278982639312744},{"word":"do","start":659.27,"end":659.51,"confidence":0.99835014,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2875005900859833},{"word":"a","start":659.51,"end":659.59,"confidence":0.99819213,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21648651361465457},{"word":"great","start":659.59,"end":659.91,"confidence":0.9994486,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.1515008509159088},{"word":"deal","start":659.91,"end":660.15,"confidence":0.9890764,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":-0.25628167390823364},{"word":"of","start":660.15,"end":660.23,"confidence":0.9301906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.246651828289032},{"word":"active","start":660.23,"end":660.55,"confidence":0.98841536,"punctuated_word":"active","sentiment":"neutral","sentiment_score":-0.2541961669921875},{"word":"management","start":660.55,"end":661.03,"confidence":0.99925643,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.2678062915802002},{"word":"under","start":661.03,"end":661.27,"confidence":0.9992518,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.2592400908470154},{"word":"the","start":661.27,"end":661.43,"confidence":0.9980521,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28200867772102356},{"word":"back","start":661.43,"end":661.67,"confidence":0.9321607,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.3021145462989807},{"word":"they","start":661.67,"end":661.83,"confidence":0.99956506,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.30186620354652405},{"word":"haven't","start":661.83,"end":662.15,"confidence":0.999967,"punctuated_word":"haven't","sentiment":"negative","sentiment_score":-0.34988340735435486},{"word":"actually","start":662.15,"end":662.65,"confidence":0.9954699,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.3228321373462677},{"word":"replaced","start":662.71,"end":663.21,"confidence":0.9904834,"punctuated_word":"replaced","sentiment":"neutral","sentiment_score":-0.26226818561553955},{"word":"many","start":663.27,"end":663.59,"confidence":0.9610802,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.16482053697109222},{"word":"of","start":663.59,"end":663.75,"confidence":0.9989838,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14536893367767334},{"word":"their","start":663.75,"end":663.99,"confidence":0.9997178,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.2117835134267807},{"word":"investments","start":663.99,"end":664.49,"confidence":0.9983708,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.12499542534351347},{"word":"over","start":664.55,"end":664.79,"confidence":0.9998435,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.1086057424545288},{"word":"the","start":664.79,"end":664.95,"confidence":0.9946354,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.094230055809021},{"word":"last","start":664.95,"end":665.19,"confidence":0.9997477,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.058609701693058014},{"word":"couple","start":665.19,"end":665.43,"confidence":0.9997882,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.12964412569999695},{"word":"of","start":665.43,"end":665.59,"confidence":0.9837414,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09883448481559752},{"word":"years","start":665.59,"end":665.83,"confidence":0.99919635,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.12228266894817352},{"word":"since","start":665.83,"end":666.15,"confidence":0.9804007,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.13954870402812958},{"word":"covid","start":666.15,"end":666.55,"confidence":0.97873384,"punctuated_word":"COVID,","sentiment":"neutral","sentiment_score":-0.15137571096420288},{"word":"basically","start":666.55,"end":667.05,"confidence":0.99838185,"punctuated_word":"basically.","sentiment":"neutral","sentiment_score":-0.17959755659103394},{"word":"they","start":667.635,"end":667.79504,"confidence":0.9800367,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.204565167427063},{"word":"kinda","start":667.79504,"end":668.195,"confidence":0.9860379,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.19057178497314453},{"word":"hold","start":668.195,"end":668.515,"confidence":0.993468,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.22551998496055603},{"word":"strong","start":668.515,"end":668.835,"confidence":0.999864,"punctuated_word":"strong","sentiment":"neutral","sentiment_score":-0.2021101415157318},{"word":"on","start":668.835,"end":668.995,"confidence":0.9998398,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1996605843305588},{"word":"the","start":668.995,"end":669.155,"confidence":0.9990734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18079327046871185},{"word":"investments","start":669.155,"end":669.555,"confidence":0.8599779,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.12789668142795563},{"word":"as","start":669.555,"end":669.715,"confidence":0.536876,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1257535219192505},{"word":"they","start":669.715,"end":669.875,"confidence":0.9578953,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.11476345360279085},{"word":"believe","start":669.875,"end":670.195,"confidence":0.8751472,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.011734843254089355},{"word":"in","start":670.195,"end":670.435,"confidence":0.9985291,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11334345489740372},{"word":"the","start":670.435,"end":670.515,"confidence":0.86426723,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16850928962230682},{"word":"in","start":670.515,"end":670.67505,"confidence":0.9977043,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.146660178899765},{"word":"the","start":670.67505,"end":670.835,"confidence":0.99918586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.187499076128006},{"word":"fund","start":670.835,"end":671.155,"confidence":0.97101307,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.1495968997478485},{"word":"there","start":671.155,"end":671.47504,"confidence":0.8815295,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.19156654179096225},{"word":"and","start":671.47504,"end":671.715,"confidence":0.99971396,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17197877168655396},{"word":"it","start":671.715,"end":671.79504,"confidence":0.7447656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3062097430229187},{"word":"has","start":671.79504,"end":672.03503,"confidence":0.996745,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.2878550887107849},{"word":"sort","start":672.03503,"end":672.195,"confidence":0.95822597,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.37513816356658936},{"word":"of","start":672.195,"end":672.35504,"confidence":0.9938711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2907881438732147},{"word":"caused","start":672.35504,"end":672.59503,"confidence":0.9922044,"punctuated_word":"caused","sentiment":"neutral","sentiment_score":-0.1973326951265335},{"word":"them","start":672.59503,"end":672.835,"confidence":0.99950063,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.5055420398712158},{"word":"to","start":672.835,"end":672.995,"confidence":0.99961996,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4430619180202484},{"word":"underperform","start":672.995,"end":673.495,"confidence":0.99065703,"punctuated_word":"underperform","sentiment":"negative","sentiment_score":-0.4013940989971161},{"word":"a","start":673.715,"end":673.875,"confidence":0.99983966,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3806839883327484},{"word":"little","start":673.875,"end":674.03503,"confidence":0.9999565,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.3658639788627625},{"word":"bit","start":674.03503,"end":674.275,"confidence":0.9670368,"punctuated_word":"bit,","sentiment":"negative","sentiment_score":-0.38619542121887207},{"word":"which","start":674.275,"end":674.515,"confidence":0.9999366,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.23825255036354065},{"word":"is","start":674.515,"end":674.755,"confidence":0.99890506,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2091558873653412},{"word":"a","start":674.755,"end":674.835,"confidence":0.9818075,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.28594425320625305},{"word":"bit","start":674.835,"end":675.155,"confidence":0.9251089,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3755546808242798},{"word":"concerning","start":675.155,"end":675.655,"confidence":0.99970675,"punctuated_word":"concerning.","sentiment":"negative","sentiment_score":-0.35486382246017456},{"word":"you're","start":676.03503,"end":676.275,"confidence":0.9835437,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.03571441397070885},{"word":"obviously","start":676.275,"end":676.755,"confidence":0.9509383,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.09808824956417084},{"word":"working","start":676.755,"end":677.075,"confidence":0.99918455,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.07761332392692566},{"word":"hard","start":677.075,"end":677.315,"confidence":0.98998004,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":0.09501391649246216},{"word":"for","start":677.315,"end":677.47504,"confidence":0.9546725,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07381086051464081},{"word":"your","start":677.47504,"end":677.715,"confidence":0.9987116,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17443476617336273},{"word":"retirement","start":677.715,"end":678.195,"confidence":0.9497585,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.17353157699108124},{"word":"so","start":678.195,"end":678.35504,"confidence":0.99958104,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.20431511104106903},{"word":"we","start":678.35504,"end":678.515,"confidence":0.99983203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27354708313941956},{"word":"wanna","start":678.515,"end":678.755,"confidence":0.99940336,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3177756667137146},{"word":"make","start":678.755,"end":678.91504,"confidence":0.9987405,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.19965995848178864},{"word":"sure","start":678.91504,"end":679.155,"confidence":0.99976355,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.29220306873321533},{"word":"the","start":679.155,"end":679.23505,"confidence":0.9849466,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25362783670425415},{"word":"portfolios","start":679.23505,"end":679.73505,"confidence":0.84994113,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.1481892466545105},{"word":"are","start":679.875,"end":680.03503,"confidence":0.99558264,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.26140761375427246},{"word":"working","start":680.03503,"end":680.435,"confidence":0.99977463,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.34822750091552734},{"word":"hard","start":680.435,"end":680.67505,"confidence":0.9976833,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":0.2983740270137787},{"word":"for","start":680.67505,"end":680.835,"confidence":0.99826485,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2804034352302551},{"word":"you","start":680.835,"end":681.075,"confidence":0.9995447,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26781731843948364},{"word":"too","start":681.075,"end":681.575,"confidence":0.99568415,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.19898641109466553},{"word":"so","start":682.07996,"end":682.16,"confidence":0.9895007,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19250664114952087},{"word":"we","start":682.16,"end":682.31995,"confidence":0.99977356,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21696199476718905},{"word":"can","start":682.31995,"end":682.56,"confidence":0.9998646,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24979311227798465},{"word":"replace","start":682.56,"end":682.88,"confidence":0.99971205,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.18160611391067505},{"word":"it","start":682.88,"end":683.04,"confidence":0.9953029,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18255165219306943},{"word":"with","start":683.04,"end":683.27997,"confidence":0.99965537,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21358126401901245},{"word":"something","start":683.27997,"end":683.51996,"confidence":0.999899,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.24336715042591095},{"word":"that's","start":683.51996,"end":683.68,"confidence":0.9995184,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2749626636505127},{"word":"a","start":683.68,"end":683.83997,"confidence":0.99971944,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2577636241912842},{"word":"little","start":683.83997,"end":684.0,"confidence":0.9999305,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.3036686182022095},{"word":"bit","start":684.0,"end":684.16,"confidence":0.9991992,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2454813122749329},{"word":"more","start":684.16,"end":684.31995,"confidence":0.99987066,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1904575228691101},{"word":"passively","start":684.31995,"end":684.8,"confidence":0.99837095,"punctuated_word":"passively","sentiment":"neutral","sentiment_score":0.29456284642219543},{"word":"managed","start":684.8,"end":685.27997,"confidence":0.9901198,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.2443786263465881},{"word":"because","start":685.27997,"end":685.6,"confidence":0.9394342,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2268550395965576},{"word":"you","start":685.6,"end":685.75995,"confidence":0.99991786,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32047441601753235},{"word":"are","start":685.75995,"end":686.07996,"confidence":0.99991226,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3179376721382141},{"word":"older","start":686.07996,"end":686.57996,"confidence":0.99927944,"punctuated_word":"older","sentiment":"positive","sentiment_score":0.4160517454147339},{"word":"and","start":686.95996,"end":687.12,"confidence":0.7095163,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3114898204803467},{"word":"something","start":687.12,"end":687.28,"confidence":0.99707234,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.26899781823158264},{"word":"a","start":687.28,"end":687.44,"confidence":0.99818254,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32638874650001526},{"word":"bit","start":687.44,"end":687.6,"confidence":0.9994836,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.32396575808525085},{"word":"more","start":687.6,"end":687.83997,"confidence":0.9992836,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2421931624412537},{"word":"low","start":687.83997,"end":688.07996,"confidence":0.998204,"punctuated_word":"low","sentiment":"positive","sentiment_score":0.3554152250289917},{"word":"cost","start":688.07996,"end":688.48,"confidence":0.72178096,"punctuated_word":"cost,","sentiment":"positive","sentiment_score":0.3615325391292572},{"word":"hopefully","start":688.48,"end":688.88,"confidence":0.8258411,"punctuated_word":"hopefully,","sentiment":"positive","sentiment_score":0.431574285030365},{"word":"reduce","start":688.88,"end":689.19995,"confidence":0.94544923,"punctuated_word":"reduce","sentiment":"positive","sentiment_score":0.3764978647232056},{"word":"some","start":689.19995,"end":689.44,"confidence":0.99836606,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.41459375619888306},{"word":"of","start":689.44,"end":689.51996,"confidence":0.9934808,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3927150070667267},{"word":"the","start":689.51996,"end":689.68,"confidence":0.998019,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3826612830162048},{"word":"fees","start":689.68,"end":689.92,"confidence":0.9884179,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4211947917938232},{"word":"within","start":689.92,"end":690.16,"confidence":0.9425955,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.3727135062217712},{"word":"the","start":690.16,"end":690.39996,"confidence":0.98682564,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.381778359413147},{"word":"fund","start":690.39996,"end":690.8,"confidence":0.6918994,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.27721768617630005},{"word":"for","start":690.8,"end":690.88,"confidence":0.9997634,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4159223139286041},{"word":"you","start":690.88,"end":691.38,"confidence":0.9997644,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.41828829050064087},{"word":"and","start":691.51996,"end":691.68,"confidence":0.86659485,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3575875461101532},{"word":"look","start":691.68,"end":691.92,"confidence":0.9972119,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.4709086120128632},{"word":"at","start":691.92,"end":692.07996,"confidence":0.8741769,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4907945990562439},{"word":"something","start":692.07996,"end":692.31995,"confidence":0.99954516,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.4052713811397553},{"word":"that's","start":692.31995,"end":692.56,"confidence":0.97458625,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.42148810625076294},{"word":"got","start":692.56,"end":692.8,"confidence":0.9960295,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.45513221621513367},{"word":"a","start":692.8,"end":692.88,"confidence":0.9984131,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.47497886419296265},{"word":"greater","start":692.88,"end":693.36,"confidence":0.98444647,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.4073429107666016},{"word":"past","start":693.36,"end":693.68,"confidence":0.992581,"punctuated_word":"past","sentiment":"positive","sentiment_score":0.525059700012207},{"word":"performance","start":693.68,"end":694.18,"confidence":0.9121803,"punctuated_word":"performance,","sentiment":"positive","sentiment_score":0.4823271334171295},{"word":"which","start":694.24,"end":694.605,"confidence":0.9998635,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4496578276157379},{"word":"should","start":694.605,"end":694.845,"confidence":0.999961,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.5858044624328613},{"word":"hopefully","start":694.845,"end":695.32495,"confidence":0.93805516,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.5440127849578857},{"word":"benefit","start":695.32495,"end":695.725,"confidence":0.98128384,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5917378664016724},{"word":"you","start":695.725,"end":695.885,"confidence":0.9984876,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5526843070983887},{"word":"a","start":695.885,"end":695.96497,"confidence":0.99745744,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5856919288635254},{"word":"bit","start":695.96497,"end":696.125,"confidence":0.98749477,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5731234550476074},{"word":"more","start":696.125,"end":696.245,"confidence":0.99977404,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5538041591644287},{"word":"in","start":696.245,"end":696.365,"confidence":0.99862254,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5265633463859558},{"word":"the","start":696.365,"end":696.52496,"confidence":0.99883944,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4615595936775207},{"word":"future","start":696.52496,"end":696.925,"confidence":0.99880946,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":0.32040202617645264},{"word":"does","start":696.925,"end":697.165,"confidence":0.9989833,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.2241930365562439},{"word":"that","start":697.165,"end":697.40497,"confidence":0.99972016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31233978271484375},{"word":"sound","start":697.40497,"end":697.725,"confidence":0.99888116,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.2118857502937317},{"word":"okay","start":697.725,"end":698.125,"confidence":0.9995315,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.24863125383853912},{"word":"with","start":698.125,"end":698.285,"confidence":0.9998246,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16835863888263702},{"word":"you","start":698.285,"end":698.785,"confidence":0.9998648,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.14499729871749878},{"word":"yeah","start":701.245,"end":701.745,"confidence":0.88190544,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12103896588087082},{"word":"yep","start":702.925,"end":703.425,"confidence":0.8823171,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0960324853658676},{"word":"yep","start":704.925,"end":705.425,"confidence":0.8442893,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.099643275141716},{"word":"perfect","start":705.485,"end":705.985,"confidence":0.96963745,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.17314927279949188},{"word":"yeah","start":706.94,"end":707.44,"confidence":0.9927855,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09624585509300232},{"word":"yep","start":712.86,"end":713.36,"confidence":0.9936336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.072588711977005},{"word":"of","start":717.58,"end":717.74,"confidence":0.4745847,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.09084323048591614},{"word":"course","start":717.74,"end":718.24,"confidence":0.9987538,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.03660324215888977},{"word":"yeah","start":718.955,"end":719.455,"confidence":0.9974282,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00028683803975582123},{"word":"absolutely","start":719.59503,"end":720.09503,"confidence":0.9972204,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.21847335994243625},{"word":"definitely","start":720.715,"end":721.215,"confidence":0.9982928,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.11387549340724944},{"word":"and","start":721.275,"end":721.755,"confidence":0.99949944,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04570496082305908},{"word":"would","start":721.755,"end":721.91504,"confidence":0.5443422,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.07045748829841614},{"word":"you","start":721.91504,"end":721.995,"confidence":0.71866465,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05095714703202248},{"word":"know","start":721.995,"end":722.315,"confidence":0.99910164,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05691515654325485},{"word":"what","start":722.315,"end":722.635,"confidence":0.9971527,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08083532750606537},{"word":"age","start":722.635,"end":722.955,"confidence":0.9993118,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.1018395721912384},{"word":"you","start":722.955,"end":723.115,"confidence":0.9975684,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12813632190227509},{"word":"would","start":723.115,"end":723.435,"confidence":0.9999409,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11437225341796876},{"word":"like","start":723.435,"end":723.675,"confidence":0.9986318,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1394316554069519},{"word":"to","start":723.675,"end":724.155,"confidence":0.9995098,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11255019903182983},{"word":"maybe","start":724.155,"end":724.635,"confidence":0.8992761,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.14877983927726746},{"word":"stop","start":724.635,"end":724.875,"confidence":0.99523443,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.10740712285041808},{"word":"working","start":724.875,"end":725.355,"confidence":0.9905056,"punctuated_word":"working?","sentiment":"neutral","sentiment_score":-0.08579346537590027},{"word":"what","start":725.355,"end":725.59503,"confidence":0.99948347,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.08452275395393372},{"word":"age","start":725.59503,"end":725.835,"confidence":0.9960224,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.09387847781181335},{"word":"are","start":725.835,"end":725.91504,"confidence":0.87495613,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09140262007713318},{"word":"you","start":725.91504,"end":726.075,"confidence":0.9986897,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08922979235649109},{"word":"sort","start":726.075,"end":726.315,"confidence":0.96954745,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.10433153808116911},{"word":"of","start":726.315,"end":726.395,"confidence":0.74860066,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08459851145744324},{"word":"hoping","start":726.395,"end":726.895,"confidence":0.99822134,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.0877237468957901},{"word":"for","start":727.03503,"end":727.53503,"confidence":0.97307056,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07708419859409332},{"word":"the","start":727.59503,"end":727.755,"confidence":0.9655068,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0395311564207077},{"word":"full","start":727.755,"end":727.995,"confidence":0.9967573,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.0157807394862175},{"word":"retirement","start":727.995,"end":728.495,"confidence":0.99943095,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.0087147057056427},{"word":"aspect","start":728.715,"end":729.215,"confidence":0.9908825,"punctuated_word":"aspect?","sentiment":"neutral","sentiment_score":-0.03156597912311554},{"word":"no","start":731.05005,"end":731.55005,"confidence":0.7436185,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.3186700642108917},{"word":"yep","start":732.57,"end":733.07,"confidence":0.7824285,"punctuated_word":"Yep.","sentiment":"negative","sentiment_score":-0.34350281953811646},{"word":"no","start":735.61005,"end":736.09,"confidence":0.9934664,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2588854432106018},{"word":"understandable","start":736.09,"end":736.59,"confidence":0.9984534,"punctuated_word":"Understandable.","sentiment":"neutral","sentiment_score":-0.23342791199684143},{"word":"okay","start":746.26495,"end":746.665,"confidence":0.78503156,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0904565304517746},{"word":"no","start":746.665,"end":746.82495,"confidence":0.9653652,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1909382939338684},{"word":"that's","start":746.82495,"end":747.065,"confidence":0.99981016,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.15297597646713257},{"word":"understandable","start":747.065,"end":747.565,"confidence":0.9997727,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":-0.1868438720703125},{"word":"well","start":748.505,"end":748.82495,"confidence":0.8080917,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.035339243710041046},{"word":"i","start":748.82495,"end":748.90497,"confidence":0.9997081,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.022693149745464325},{"word":"mean","start":748.90497,"end":749.14496,"confidence":0.99545527,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0018520504236221311},{"word":"how","start":749.14496,"end":749.38495,"confidence":0.5857918,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.002742759883403778},{"word":"do","start":749.38495,"end":749.46497,"confidence":0.94961596,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.019633248448371887},{"word":"you","start":749.46497,"end":749.545,"confidence":0.9893847,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006829895079135895},{"word":"you're","start":749.865,"end":750.02496,"confidence":0.9947655,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.026612168177962303},{"word":"right","start":750.02496,"end":750.185,"confidence":0.962144,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.007246505469083786},{"word":"so","start":750.185,"end":750.425,"confidence":0.9574,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15518122911453247},{"word":"sorry","start":750.425,"end":750.925,"confidence":0.9928025,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.20368117094039917},{"word":"mhmm","start":761.17,"end":761.67,"confidence":0.9740396,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.09703359007835388},{"word":"yes","start":767.66504,"end":768.16504,"confidence":0.861364,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.15279877185821533},{"word":"yeah","start":777.10504,"end":777.60504,"confidence":0.99178493,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03026309423148632},{"word":"absolutely","start":777.905,"end":778.405,"confidence":0.9969987,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.04886792227625847},{"word":"okay","start":789.35,"end":789.85,"confidence":0.99506426,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04853271320462227},{"word":"yeah","start":794.965,"end":795.28503,"confidence":0.8901488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07671862840652466},{"word":"of","start":795.28503,"end":795.445,"confidence":0.8409969,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.054460007697343826},{"word":"course","start":795.445,"end":795.945,"confidence":0.99886346,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.07427875697612762},{"word":"yeah","start":796.485,"end":796.985,"confidence":0.979549,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04141391068696976},{"word":"yep","start":798.565,"end":799.065,"confidence":0.81534123,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01764613389968872},{"word":"yeah","start":806.34,"end":806.84,"confidence":0.9579253,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03734981268644333},{"word":"absolutely","start":807.14,"end":807.64,"confidence":0.99761695,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2967000901699066},{"word":"well","start":808.5,"end":808.82,"confidence":0.99816364,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.3367822468280792},{"word":"one","start":808.82,"end":808.98004,"confidence":0.9998235,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3438721299171448},{"word":"of","start":808.98004,"end":809.06,"confidence":0.99941456,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3097640573978424},{"word":"the","start":809.06,"end":809.22003,"confidence":0.9995896,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37364864349365234},{"word":"really","start":809.22003,"end":809.54004,"confidence":0.9998441,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5101073980331421},{"word":"good","start":809.54004,"end":809.94,"confidence":0.9999244,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5102765560150146},{"word":"strategies","start":809.94,"end":810.34,"confidence":0.805707,"punctuated_word":"strategies","sentiment":"positive","sentiment_score":0.4650801420211792},{"word":"that","start":810.34,"end":810.58,"confidence":0.99977523,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.46795985102653503},{"word":"we","start":810.58,"end":810.74005,"confidence":0.99995947,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5063860416412354},{"word":"do","start":810.74005,"end":810.98004,"confidence":0.9998721,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4902321696281433},{"word":"have","start":810.98004,"end":811.14,"confidence":0.9991505,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.46242186427116394},{"word":"access","start":811.14,"end":811.54004,"confidence":0.99950206,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.469777375459671},{"word":"to","start":811.54004,"end":811.7,"confidence":0.9876123,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5330045223236084},{"word":"now","start":811.7,"end":811.94,"confidence":0.9166998,"punctuated_word":"now,","sentiment":"positive","sentiment_score":0.4205634295940399},{"word":"and","start":811.94,"end":812.10004,"confidence":0.9999068,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4423162341117859},{"word":"i'm","start":812.10004,"end":812.26,"confidence":0.99988836,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6570239663124084},{"word":"more","start":812.26,"end":812.42004,"confidence":0.99996614,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.6967665553092957},{"word":"than","start":812.42004,"end":812.58,"confidence":0.9996933,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.6661882996559143},{"word":"happy","start":812.58,"end":812.9,"confidence":0.99994266,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6541479229927063},{"word":"to","start":812.9,"end":812.98004,"confidence":0.9994035,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.590980052947998},{"word":"go","start":812.98004,"end":813.14,"confidence":0.99987054,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.48488181829452515},{"word":"back","start":813.14,"end":813.30005,"confidence":0.9998565,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.5691089630126953},{"word":"and","start":813.30005,"end":813.54004,"confidence":0.9977062,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5155581831932068},{"word":"have","start":813.54004,"end":813.7,"confidence":0.99992454,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5098322629928589},{"word":"a","start":813.7,"end":813.78,"confidence":0.9995845,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5231683254241943},{"word":"good","start":813.78,"end":813.94,"confidence":0.99958676,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3890327215194702},{"word":"look","start":813.94,"end":814.18,"confidence":0.99992776,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.5008232593536377},{"word":"to","start":814.18,"end":814.34,"confidence":0.99928206,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.48832133412361145},{"word":"see","start":814.34,"end":814.5,"confidence":0.9999685,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.43676239252090454},{"word":"if","start":814.5,"end":814.58,"confidence":0.9998795,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.43101632595062256},{"word":"this","start":814.58,"end":814.82,"confidence":0.9997136,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4616492986679077},{"word":"is","start":814.82,"end":814.98004,"confidence":0.9970806,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4488874673843384},{"word":"gonna","start":814.98004,"end":815.22003,"confidence":0.99952316,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.4513449966907501},{"word":"help","start":815.22003,"end":815.46,"confidence":0.99949014,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5452147722244263},{"word":"or","start":815.46,"end":815.62,"confidence":0.9963924,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.47789108753204346},{"word":"provide","start":815.62,"end":816.02,"confidence":0.99904615,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.4078386723995209},{"word":"some","start":816.02,"end":816.18,"confidence":0.9996482,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.44233474135398865},{"word":"benefit","start":816.18,"end":816.68,"confidence":0.9857209,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.48013418912887573},{"word":"for","start":816.74005,"end":816.9,"confidence":0.9997522,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5023823380470276},{"word":"you","start":816.9,"end":817.06,"confidence":0.9705454,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.3735246062278747},{"word":"is","start":817.06,"end":817.22003,"confidence":0.99767536,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3858401477336883},{"word":"what's","start":817.22003,"end":817.46,"confidence":0.99535275,"punctuated_word":"what's","sentiment":"positive","sentiment_score":0.3825978636741638},{"word":"called","start":817.46,"end":817.7,"confidence":0.9956209,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.30655279755592346},{"word":"a","start":817.7,"end":817.815,"confidence":0.8512195,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4176259040832519},{"word":"transition","start":818.055,"end":818.455,"confidence":0.9300282,"punctuated_word":"transition","sentiment":"positive","sentiment_score":0.3645364046096802},{"word":"retirement","start":818.455,"end":818.955,"confidence":0.8426763,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.2152893543243408},{"word":"strategy","start":819.09503,"end":819.575,"confidence":0.98851734,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.31954225897789},{"word":"have","start":819.575,"end":819.815,"confidence":0.999778,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.07656405866146088},{"word":"you","start":819.815,"end":819.975,"confidence":0.99990547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06933727860450745},{"word":"heard","start":819.975,"end":820.135,"confidence":0.9998454,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.05896194279193878},{"word":"of","start":820.135,"end":820.295,"confidence":0.9995023,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11140480637550354},{"word":"this","start":820.295,"end":820.455,"confidence":0.9998056,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11102266609668732},{"word":"before","start":820.455,"end":820.955,"confidence":0.99980456,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":0.13954482972621918},{"word":"yeah","start":823.575,"end":824.075,"confidence":0.96494323,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.309749960899353},{"word":"perfect","start":825.09503,"end":825.59503,"confidence":0.9947224,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.497085303068161},{"word":"so","start":825.655,"end":825.895,"confidence":0.9414424,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2930343747138977},{"word":"essentially","start":825.895,"end":826.295,"confidence":0.99941057,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.24953745305538175},{"word":"that's","start":826.295,"end":826.535,"confidence":0.9991329,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21742044389247897},{"word":"where","start":826.535,"end":826.695,"confidence":0.49890074,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.15397098660469055},{"word":"i","start":826.695,"end":826.855,"confidence":0.9982552,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22113901376724243},{"word":"would","start":826.855,"end":827.015,"confidence":0.9998977,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.26680099964141846},{"word":"have","start":827.015,"end":827.175,"confidence":0.9996443,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2719404399394989},{"word":"a","start":827.175,"end":827.335,"confidence":0.9887378,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2732088565826416},{"word":"look","start":827.335,"end":827.41504,"confidence":0.9972493,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2418368011713028},{"word":"at","start":827.41504,"end":827.495,"confidence":0.930363,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2559572160243988},{"word":"what","start":827.495,"end":827.655,"confidence":0.99139637,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2769112288951874},{"word":"you're","start":827.655,"end":827.895,"confidence":0.986886,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.21981823444366455},{"word":"earning","start":827.895,"end":828.215,"confidence":0.9935143,"punctuated_word":"earning,","sentiment":"neutral","sentiment_score":0.18103064596652985},{"word":"what","start":828.215,"end":828.455,"confidence":0.9998863,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2176533490419388},{"word":"your","start":828.455,"end":828.855,"confidence":0.9785251,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18400569260120392},{"word":"take","start":828.855,"end":829.09503,"confidence":0.9987558,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1763085424900055},{"word":"home","start":829.09503,"end":829.335,"confidence":0.99641365,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.1676519215106964},{"word":"pay","start":829.335,"end":829.575,"confidence":0.99878305,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.133116215467453},{"word":"looks","start":829.575,"end":829.83,"confidence":0.9946613,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.1924971640110016},{"word":"like","start":829.83,"end":830.07,"confidence":0.99276626,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.04519863426685333},{"word":"if","start":830.07,"end":830.23004,"confidence":0.9991579,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1429114043712616},{"word":"you're","start":830.23004,"end":830.39,"confidence":0.9992081,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16213557124137878},{"word":"wanting","start":830.39,"end":830.71,"confidence":0.999782,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.21090146899223328},{"word":"to","start":830.71,"end":830.87,"confidence":0.9997979,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19471633434295657},{"word":"sort","start":830.87,"end":831.03,"confidence":0.9731697,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2309519499540329},{"word":"of","start":831.03,"end":831.19,"confidence":0.63023853,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21665260195732117},{"word":"keep","start":831.19,"end":831.35004,"confidence":0.99698097,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2418006956577301},{"word":"your","start":831.35004,"end":831.51,"confidence":0.99159193,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23589107394218445},{"word":"take","start":831.51,"end":831.75,"confidence":0.99887997,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.15342527627944946},{"word":"home","start":831.75,"end":831.99,"confidence":0.9959781,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.09578056633472444},{"word":"pay","start":831.99,"end":832.23004,"confidence":0.99862564,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1417427510023117},{"word":"at","start":832.23004,"end":832.39,"confidence":0.99970394,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17675668001174927},{"word":"the","start":832.39,"end":832.47003,"confidence":0.99889106,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17012327909469604},{"word":"same","start":832.47003,"end":832.79004,"confidence":0.9999331,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.220395103096962},{"word":"level","start":832.79004,"end":833.29004,"confidence":0.9991914,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.14484430849552157},{"word":"we","start":833.51,"end":833.67004,"confidence":0.9996482,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22382289171218872},{"word":"can","start":833.67004,"end":833.83,"confidence":0.99988437,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.25749826431274414},{"word":"look","start":833.83,"end":833.99,"confidence":0.99987876,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2602815628051758},{"word":"at","start":833.99,"end":834.15,"confidence":0.9987245,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24490845203399655},{"word":"maybe","start":834.15,"end":834.47003,"confidence":0.94349515,"punctuated_word":"maybe","sentiment":"positive","sentiment_score":0.3397913873195648},{"word":"maximizing","start":834.47003,"end":834.97003,"confidence":0.9954898,"punctuated_word":"maximizing","sentiment":"positive","sentiment_score":0.41677772998809814},{"word":"contributions","start":835.19,"end":835.69,"confidence":0.9995745,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.42507320642471313},{"word":"in","start":835.91003,"end":835.99,"confidence":0.6349588,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4514888823032379},{"word":"the","start":835.99,"end":836.23004,"confidence":0.96520156,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3924882113933563},{"word":"super","start":836.23004,"end":836.63,"confidence":0.87640184,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3859129548072815},{"word":"as","start":836.63,"end":836.87,"confidence":0.9977568,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3587982654571533},{"word":"much","start":836.87,"end":837.11005,"confidence":0.9998807,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4185168147087097},{"word":"as","start":837.11005,"end":837.27,"confidence":0.9990835,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3066706657409668},{"word":"possible","start":837.27,"end":837.77,"confidence":0.99960977,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.26470428705215454},{"word":"it","start":838.23004,"end":838.47003,"confidence":0.5414071,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.22977641224861145},{"word":"does","start":838.47003,"end":838.71,"confidence":0.99935645,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2516348659992218},{"word":"mean","start":838.71,"end":838.95,"confidence":0.99975854,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.20410309731960297},{"word":"that","start":838.95,"end":839.11005,"confidence":0.99987257,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2405097931623459},{"word":"we","start":839.11005,"end":839.27,"confidence":0.99992037,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2631102204322815},{"word":"are","start":839.27,"end":839.51,"confidence":0.99930274,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2899734377861023},{"word":"then","start":839.51,"end":840.01,"confidence":0.99484336,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3045681118965149},{"word":"moving","start":840.23004,"end":840.55,"confidence":0.97285855,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.3279508054256439},{"word":"some","start":840.55,"end":840.79004,"confidence":0.9937325,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.29429686069488525},{"word":"money","start":840.79004,"end":841.11005,"confidence":0.9999368,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2723515033721924},{"word":"into","start":841.11005,"end":841.51,"confidence":0.9984856,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.30355167388916016},{"word":"what's","start":841.51,"end":841.75,"confidence":0.9927182,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.20882859826087952},{"word":"called","start":841.75,"end":841.99,"confidence":0.9967393,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.16650211811065674},{"word":"a","start":841.99,"end":842.23004,"confidence":0.87879133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25915539264678955},{"word":"an","start":842.55,"end":842.71,"confidence":0.99925596,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.23758986592292783},{"word":"account","start":842.71,"end":843.11005,"confidence":0.9994759,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.22510534524917605},{"word":"based","start":843.11005,"end":843.35004,"confidence":0.9939568,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.20263336598873136},{"word":"transition","start":843.35004,"end":843.85004,"confidence":0.97220266,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.21357683837413788},{"word":"retirement","start":843.99,"end":844.49,"confidence":0.83921075,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.1484365314245224},{"word":"pension","start":844.735,"end":845.055,"confidence":0.99986494,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.14389675855636597},{"word":"account","start":845.055,"end":845.295,"confidence":0.8639505,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.1839521527290344},{"word":"so","start":845.295,"end":845.455,"confidence":0.97852314,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23469673097133636},{"word":"you","start":845.455,"end":845.53503,"confidence":0.9996704,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2728433907032013},{"word":"would","start":845.53503,"end":845.775,"confidence":0.9601763,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.27398332953453064},{"word":"have","start":845.775,"end":845.935,"confidence":0.9998658,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2957014739513397},{"word":"your","start":845.935,"end":846.175,"confidence":0.9995609,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3114635646343231},{"word":"super","start":846.175,"end":846.495,"confidence":0.96927536,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.33086854219436646},{"word":"account","start":846.495,"end":846.815,"confidence":0.9988121,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.2808569669723511},{"word":"and","start":846.815,"end":846.97504,"confidence":0.99492586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25303637981414795},{"word":"the","start":846.97504,"end":847.135,"confidence":0.877125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2836952209472656},{"word":"secondary","start":847.135,"end":847.635,"confidence":0.9996124,"punctuated_word":"secondary","sentiment":"neutral","sentiment_score":0.2305525839328766},{"word":"pension","start":847.695,"end":848.175,"confidence":0.9999069,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.17137828469276428},{"word":"account","start":848.175,"end":848.675,"confidence":0.921877,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.2285058796405792},{"word":"because","start":848.895,"end":849.215,"confidence":0.9995308,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.299197793006897},{"word":"you're","start":849.215,"end":849.455,"confidence":0.9980706,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4101409614086151},{"word":"increasing","start":849.455,"end":849.935,"confidence":0.99754274,"punctuated_word":"increasing","sentiment":"positive","sentiment_score":0.5143690705299377},{"word":"your","start":849.935,"end":850.255,"confidence":0.9982035,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.512765109539032},{"word":"contributions","start":850.255,"end":850.755,"confidence":0.9990846,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.4220795035362244},{"word":"in","start":850.97504,"end":851.135,"confidence":0.9359739,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5096971392631531},{"word":"the","start":851.135,"end":851.295,"confidence":0.9889142,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4583018720149994},{"word":"super","start":851.295,"end":851.615,"confidence":0.996183,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.38395336270332336},{"word":"as","start":851.615,"end":851.85504,"confidence":0.9966235,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.451062947511673},{"word":"much","start":851.85504,"end":852.09503,"confidence":0.9997372,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4722141623497009},{"word":"as","start":852.09503,"end":852.175,"confidence":0.9986676,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3646906316280365},{"word":"we","start":852.175,"end":852.335,"confidence":0.9091455,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4701935648918152},{"word":"possibly","start":852.335,"end":852.835,"confidence":0.9969351,"punctuated_word":"possibly","sentiment":"positive","sentiment_score":0.43217042088508606},{"word":"can","start":852.895,"end":853.135,"confidence":0.9996269,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4375820755958557},{"word":"to","start":853.135,"end":853.295,"confidence":0.9972006,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4927253723144531},{"word":"benefit","start":853.295,"end":853.775,"confidence":0.99990666,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.514898955821991},{"word":"you","start":853.775,"end":854.275,"confidence":0.99774754,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5439286231994629},{"word":"it","start":854.575,"end":854.735,"confidence":0.99800724,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4134485125541687},{"word":"does","start":854.735,"end":854.97504,"confidence":0.9996947,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.34955787658691406},{"word":"sort","start":854.97504,"end":855.135,"confidence":0.98866653,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.36908790469169617},{"word":"of","start":855.135,"end":855.295,"confidence":0.9991856,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4237746298313141},{"word":"mean","start":855.295,"end":855.455,"confidence":0.9985251,"punctuated_word":"mean","sentiment":"positive","sentiment_score":0.3674148917198181},{"word":"that","start":855.455,"end":855.615,"confidence":0.9998373,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3826155662536621},{"word":"your","start":855.615,"end":855.935,"confidence":0.9824234,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4155176877975464},{"word":"take","start":855.935,"end":856.255,"confidence":0.9992512,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2575499415397644},{"word":"home","start":856.255,"end":856.495,"confidence":0.9984484,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.2152420878410339},{"word":"pay","start":856.495,"end":856.735,"confidence":0.99948263,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.25764328241348267},{"word":"reduces","start":856.735,"end":857.235,"confidence":0.998101,"punctuated_word":"reduces.","sentiment":"neutral","sentiment_score":0.2337348908185959},{"word":"so","start":857.4,"end":857.64,"confidence":0.9999404,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2236153930425644},{"word":"if","start":857.64,"end":857.80005,"confidence":0.99954164,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2915823459625244},{"word":"you're","start":857.80005,"end":857.88,"confidence":0.9343082,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2780868709087372},{"word":"wanting","start":857.88,"end":858.28,"confidence":0.9960593,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.2695600390434265},{"word":"to","start":858.28,"end":858.36005,"confidence":0.999326,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27507516741752625},{"word":"keep","start":858.36005,"end":858.52,"confidence":0.9973272,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.20493356883525848},{"word":"the","start":858.52,"end":858.68005,"confidence":0.99914026,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23732779920101169},{"word":"same","start":858.68005,"end":859.0,"confidence":0.9996244,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.2664077579975128},{"word":"take","start":859.0,"end":859.24005,"confidence":0.9993357,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.14255398511886597},{"word":"home","start":859.24005,"end":859.48004,"confidence":0.99863106,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.14928315579891205},{"word":"pay","start":859.48004,"end":859.98004,"confidence":0.99954796,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":0.1838151067495346},{"word":"we","start":860.28,"end":860.52,"confidence":0.89446837,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25500917434692383},{"word":"can","start":860.52,"end":860.76,"confidence":0.99987555,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.27180835604667664},{"word":"then","start":860.76,"end":861.08,"confidence":0.99941087,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2669326663017273},{"word":"start","start":861.08,"end":861.32,"confidence":0.9996308,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2204035073518753},{"word":"to","start":861.32,"end":861.48004,"confidence":0.99923396,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2437855303287506},{"word":"reduce","start":861.48004,"end":861.98004,"confidence":0.99945205,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.165509432554245},{"word":"some","start":862.04004,"end":862.2,"confidence":0.99755114,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08027622848749161},{"word":"money","start":862.2,"end":862.52,"confidence":0.9998901,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03256054222583771},{"word":"out","start":862.52,"end":862.76,"confidence":0.9659584,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14795219898223877},{"word":"of","start":862.76,"end":863.0,"confidence":0.99356925,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1203041523694992},{"word":"super","start":863.0,"end":863.48004,"confidence":0.9066222,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.0810646340250969},{"word":"so","start":863.48004,"end":863.64,"confidence":0.9995703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2272862195968628},{"word":"you","start":863.64,"end":863.88,"confidence":0.9998323,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2726050615310669},{"word":"put","start":863.88,"end":864.12,"confidence":0.99925774,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2626180052757263},{"word":"more","start":864.12,"end":864.44,"confidence":0.99971145,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.28218865394592285},{"word":"in","start":864.44,"end":864.94,"confidence":0.7645849,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.32004314661026},{"word":"you","start":865.0,"end":865.16003,"confidence":0.9991547,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.30390265583992004},{"word":"have","start":865.16003,"end":865.4,"confidence":0.9953021,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3623946607112885},{"word":"the","start":865.4,"end":865.56,"confidence":0.9997327,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35894379019737244},{"word":"two","start":865.56,"end":865.80005,"confidence":0.99992037,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.2820509076118469},{"word":"accounts","start":865.80005,"end":866.28,"confidence":0.90238297,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.3268062472343445},{"word":"and","start":866.28,"end":866.36005,"confidence":0.99992824,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3519810736179352},{"word":"we","start":866.36005,"end":866.68005,"confidence":0.99993014,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4276813566684723},{"word":"replenish","start":866.68005,"end":867.18005,"confidence":0.9981708,"punctuated_word":"replenish","sentiment":"positive","sentiment_score":0.4274536371231079},{"word":"your","start":867.24005,"end":867.56,"confidence":0.9997577,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4485230445861816},{"word":"income","start":867.56,"end":868.04004,"confidence":0.99992573,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.48762401938438416},{"word":"with","start":868.04004,"end":868.54004,"confidence":0.9997831,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.472835898399353},{"word":"some","start":868.68005,"end":868.84,"confidence":0.94681036,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.40794837474823},{"word":"money","start":868.84,"end":869.16003,"confidence":0.9689135,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.5175093412399292},{"word":"from","start":869.16003,"end":869.4,"confidence":0.99974734,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.4664607048034668},{"word":"super","start":869.4,"end":869.9,"confidence":0.99260324,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.4280411899089813},{"word":"you","start":869.96,"end":870.12,"confidence":0.999708,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4786997437477112},{"word":"actually","start":870.12,"end":870.44,"confidence":0.9838778,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.4146446585655213},{"word":"end","start":870.44,"end":870.60004,"confidence":0.9986779,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.5359205603599548},{"word":"up","start":870.60004,"end":870.76,"confidence":0.9990134,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4213774502277374},{"word":"putting","start":870.76,"end":871.0,"confidence":0.999585,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.5340063571929932},{"word":"in","start":871.0,"end":871.24005,"confidence":0.9983077,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.521355152130127},{"word":"more","start":871.24005,"end":871.4,"confidence":0.9998623,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5404031276702881},{"word":"than","start":871.4,"end":871.56,"confidence":0.9991666,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.45502662658691406},{"word":"you're","start":871.56,"end":871.72003,"confidence":0.9889424,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4475897252559662},{"word":"taking","start":871.72003,"end":872.085,"confidence":0.99415416,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.4475037455558777},{"word":"out","start":872.16504,"end":872.48505,"confidence":0.99852043,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3366613984107971},{"word":"because","start":872.48505,"end":872.805,"confidence":0.92346406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.28383034467697144},{"word":"the","start":872.805,"end":872.965,"confidence":0.99964046,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3953855633735657},{"word":"tax","start":872.965,"end":873.28503,"confidence":0.9954306,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4440142512321472},{"word":"inside","start":873.28503,"end":873.765,"confidence":0.9942742,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.28339558839797974},{"word":"super","start":873.765,"end":874.085,"confidence":0.94911,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4086421728134155},{"word":"is","start":874.085,"end":874.245,"confidence":0.99812716,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3825481235980987},{"word":"less","start":874.245,"end":874.48505,"confidence":0.99941945,"punctuated_word":"less","sentiment":"positive","sentiment_score":0.36005866527557373},{"word":"than","start":874.48505,"end":874.645,"confidence":0.98833245,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.36238276958465576},{"word":"your","start":874.645,"end":874.805,"confidence":0.99868315,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3577753007411957},{"word":"marginal","start":874.805,"end":875.28503,"confidence":0.9656504,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":0.2079196721315384},{"word":"tax","start":875.28503,"end":875.525,"confidence":0.9985998,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3898075520992279},{"word":"rate","start":875.525,"end":875.765,"confidence":0.99771357,"punctuated_word":"rate","sentiment":"positive","sentiment_score":0.41423729062080383},{"word":"normally","start":875.765,"end":876.265,"confidence":0.8681319,"punctuated_word":"normally.","sentiment":"neutral","sentiment_score":0.2590654492378235},{"word":"but","start":877.04504,"end":877.36505,"confidence":0.7027794,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.33605414628982544},{"word":"you","start":877.36505,"end":877.60504,"confidence":0.99975294,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42882609367370605},{"word":"get","start":877.60504,"end":877.84503,"confidence":0.99616086,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.40455055236816406},{"word":"to","start":877.84503,"end":877.92505,"confidence":0.985999,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4634903073310852},{"word":"pay","start":877.92505,"end":878.04504,"confidence":0.9674901,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.3980770409107208},{"word":"have","start":878.16504,"end":878.405,"confidence":0.99864286,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4915916323661804},{"word":"the","start":878.405,"end":878.565,"confidence":0.99875605,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4720427691936493},{"word":"same","start":878.565,"end":878.885,"confidence":0.99954754,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.5103694200515747},{"word":"take","start":878.885,"end":879.125,"confidence":0.9899058,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.3806692361831665},{"word":"home","start":879.125,"end":879.36505,"confidence":0.99739206,"punctuated_word":"home","sentiment":"positive","sentiment_score":0.35926809906959534},{"word":"pay","start":879.36505,"end":879.685,"confidence":0.9788363,"punctuated_word":"pay.","sentiment":"positive","sentiment_score":0.40779948234558105},{"word":"the","start":879.685,"end":879.84503,"confidence":0.9990583,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4731225073337555},{"word":"amount","start":879.84503,"end":880.16504,"confidence":0.9991572,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.6572516560554504},{"word":"you're","start":880.16504,"end":880.405,"confidence":0.9912374,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.6135960817337036},{"word":"drawing","start":880.405,"end":880.72504,"confidence":0.9974718,"punctuated_word":"drawing","sentiment":"positive","sentiment_score":0.6760291457176208},{"word":"out","start":880.72504,"end":880.965,"confidence":0.9851179,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.6768548488616943},{"word":"of","start":880.965,"end":881.205,"confidence":0.9670186,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6355062127113342},{"word":"super","start":881.205,"end":881.60504,"confidence":0.9807637,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.6173734664916992},{"word":"is","start":881.60504,"end":881.765,"confidence":0.9991704,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5170079469680786},{"word":"completely","start":881.765,"end":882.265,"confidence":0.9996044,"punctuated_word":"completely","sentiment":"positive","sentiment_score":0.577494740486145},{"word":"tax","start":882.325,"end":882.565,"confidence":0.9996082,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.6565444469451904},{"word":"free","start":882.565,"end":883.04504,"confidence":0.745379,"punctuated_word":"free.","sentiment":"positive","sentiment_score":0.4547148942947388},{"word":"so","start":883.04504,"end":883.205,"confidence":0.99959296,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3915606737136841},{"word":"it","start":883.205,"end":883.36505,"confidence":0.99844044,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4865105152130127},{"word":"helps","start":883.36505,"end":883.60504,"confidence":0.99345434,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.48919442296028137},{"word":"to","start":883.60504,"end":883.765,"confidence":0.990914,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5345442891120911},{"word":"give","start":883.765,"end":883.92505,"confidence":0.9992754,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.5598242878913879},{"word":"you","start":883.92505,"end":884.085,"confidence":0.9998011,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6134157776832581},{"word":"a","start":884.085,"end":884.16504,"confidence":0.99951506,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6357547044754028},{"word":"benefit","start":884.16504,"end":884.565,"confidence":0.99898475,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.6010469198226929},{"word":"of","start":884.565,"end":884.72504,"confidence":0.99052256,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5704883337020874},{"word":"reducing","start":884.72504,"end":885.205,"confidence":0.99449146,"punctuated_word":"reducing","sentiment":"positive","sentiment_score":0.5432404279708862},{"word":"the","start":885.205,"end":885.36505,"confidence":0.9969427,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5879263877868652},{"word":"amount","start":885.36505,"end":885.60504,"confidence":0.9997632,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.5709647536277771},{"word":"of","start":885.60504,"end":885.765,"confidence":0.99757093,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.621589720249176},{"word":"income","start":885.765,"end":886.16504,"confidence":0.9996449,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.4141250252723694},{"word":"tax","start":886.16504,"end":886.48505,"confidence":0.99166566,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.5104750990867615},{"word":"you","start":886.48505,"end":886.645,"confidence":0.97544223,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5682646632194519},{"word":"might","start":886.645,"end":886.805,"confidence":0.99988365,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.48362958431243896},{"word":"pay","start":886.805,"end":887.04504,"confidence":0.9997439,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.5330153107643127},{"word":"on","start":887.04504,"end":887.205,"confidence":0.9991172,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6024205684661865},{"word":"your","start":887.205,"end":887.36505,"confidence":0.9994936,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5562453866004944},{"word":"income","start":887.36505,"end":887.86505,"confidence":0.855116,"punctuated_word":"income,","sentiment":"positive","sentiment_score":0.48166853189468384},{"word":"but","start":888.0,"end":888.24,"confidence":0.99973315,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.40516576170921326},{"word":"the","start":888.24,"end":888.4,"confidence":0.9998098,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3957720398902893},{"word":"main","start":888.4,"end":888.64,"confidence":0.9999516,"punctuated_word":"main","sentiment":"positive","sentiment_score":0.4727132022380829},{"word":"benefit","start":888.64,"end":888.96,"confidence":0.99931836,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.4802089929580689},{"word":"is","start":888.96,"end":889.2,"confidence":0.997546,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5652134418487549},{"word":"of","start":889.2,"end":889.36,"confidence":0.49458718,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6087748408317566},{"word":"putting","start":889.36,"end":889.68,"confidence":0.96344936,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.6640133857727051},{"word":"more","start":889.68,"end":889.84,"confidence":0.99868864,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.6821339726448059},{"word":"money","start":889.84,"end":890.16,"confidence":0.9997603,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.729188084602356},{"word":"into","start":890.16,"end":890.56,"confidence":0.97567004,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.7683457732200623},{"word":"sofa","start":890.56,"end":890.96,"confidence":0.5829578,"punctuated_word":"SOFA,","sentiment":"positive","sentiment_score":0.6777192950248718},{"word":"into","start":890.96,"end":891.2,"confidence":0.9986941,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.6933319568634033},{"word":"that","start":891.2,"end":891.44,"confidence":0.9992072,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6726958155632019},{"word":"tax","start":891.44,"end":891.76,"confidence":0.9911816,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.7043365836143494},{"word":"effective","start":891.76,"end":892.26,"confidence":0.9874255,"punctuated_word":"effective","sentiment":"positive","sentiment_score":0.5698329210281372},{"word":"environment","start":892.4,"end":892.9,"confidence":0.999288,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.7316252589225769},{"word":"so","start":892.96,"end":893.12,"confidence":0.6161227,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6106299161911011},{"word":"it's","start":893.12,"end":893.62,"confidence":0.9907616,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6698732376098633},{"word":"invested","start":893.68,"end":894.18,"confidence":0.999508,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.613605797290802},{"word":"for","start":894.24,"end":894.48,"confidence":0.99988544,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7108590602874756},{"word":"you","start":894.48,"end":894.8,"confidence":0.9989786,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6749707460403442},{"word":"long","start":894.8,"end":895.04,"confidence":0.99928963,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.6415561437606812},{"word":"term","start":895.04,"end":895.54,"confidence":0.9989338,"punctuated_word":"term.","sentiment":"positive","sentiment_score":0.4650808572769165},{"word":"are","start":895.92,"end":896.16,"confidence":0.99530447,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.13005539774894714},{"word":"you","start":896.16,"end":896.32,"confidence":0.9994512,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20589405298233032},{"word":"open","start":896.32,"end":896.64,"confidence":0.9919373,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.1923264712095261},{"word":"to","start":896.64,"end":896.8,"confidence":0.9993579,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23702937364578247},{"word":"me","start":896.8,"end":897.04,"confidence":0.9985292,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2886102795600891},{"word":"doing","start":897.04,"end":897.36,"confidence":0.999398,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2423056811094284},{"word":"a","start":897.36,"end":897.52,"confidence":0.99974865,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2237001359462738},{"word":"little","start":897.52,"end":897.68,"confidence":0.99984205,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.21586982905864716},{"word":"bit","start":897.68,"end":897.92,"confidence":0.99979657,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.22650998830795288},{"word":"of","start":897.92,"end":898.08,"confidence":0.9997081,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18624453246593475},{"word":"research","start":898.08,"end":898.48,"confidence":0.9996151,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.20210357010364532},{"word":"around","start":898.48,"end":898.72,"confidence":0.99987674,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.21179518103599548},{"word":"that","start":898.72,"end":898.96,"confidence":0.9997873,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10825026780366898},{"word":"and","start":898.96,"end":899.12,"confidence":0.9433269,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10106189548969267},{"word":"maybe","start":899.12,"end":899.44,"confidence":0.9926157,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1855650395154953},{"word":"coming","start":899.44,"end":899.68,"confidence":0.9987708,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.17335551977157593},{"word":"up","start":899.68,"end":899.84,"confidence":0.99540496,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17961037158966064},{"word":"with","start":899.84,"end":900.0,"confidence":0.9996251,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2102319896221161},{"word":"a","start":900.0,"end":900.16,"confidence":0.9874286,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2139747589826584},{"word":"strategy","start":900.16,"end":900.56,"confidence":0.99993837,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.230751171708107},{"word":"that","start":900.56,"end":900.8,"confidence":0.99987245,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18811464309692383},{"word":"might","start":900.8,"end":900.96,"confidence":0.99988186,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.24470284581184387},{"word":"help","start":900.96,"end":901.2,"confidence":0.9998368,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.17584817111492157},{"word":"you","start":901.2,"end":901.7,"confidence":0.999159,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.061222657561302185},{"word":"yeah","start":903.70496,"end":904.20496,"confidence":0.8502425,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.017409304156899452},{"word":"yeah","start":904.345,"end":904.845,"confidence":0.87841046,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04647392779588699},{"word":"perfect","start":904.985,"end":905.485,"confidence":0.99572134,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5791088938713074},{"word":"excellent","start":905.865,"end":906.365,"confidence":0.99954057,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5882061719894409},{"word":"if","start":906.90497,"end":907.14496,"confidence":0.6382577,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.3103609085083008},{"word":"you","start":907.14496,"end":907.38495,"confidence":0.99748755,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2550733685493469},{"word":"want","start":907.38495,"end":907.70496,"confidence":0.793959,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.2657645046710968},{"word":"what","start":907.70496,"end":907.865,"confidence":0.99862754,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2751137614250183},{"word":"i","start":907.865,"end":907.94495,"confidence":0.9986218,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2073042988777161},{"word":"can","start":907.94495,"end":908.105,"confidence":0.9997652,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1412452906370163},{"word":"also","start":908.105,"end":908.345,"confidence":0.9995585,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16056285798549652},{"word":"do","start":908.345,"end":908.50494,"confidence":0.99929667,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20012661814689636},{"word":"is","start":908.50494,"end":908.665,"confidence":0.93680716,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1082451343536377},{"word":"i","start":908.665,"end":908.745,"confidence":0.59595466,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11020758748054504},{"word":"know","start":908.745,"end":908.90497,"confidence":0.99876946,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.08198796212673187},{"word":"you","start":908.90497,"end":908.985,"confidence":0.9987771,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.061148688197135925},{"word":"are","start":908.985,"end":909.14496,"confidence":0.99662673,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04244618117809296},{"word":"in","start":909.14496,"end":909.305,"confidence":0.94886875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09321527928113936},{"word":"netwealth","start":909.305,"end":909.70496,"confidence":0.9559152,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.0927826315164566},{"word":"at","start":909.70496,"end":909.785,"confidence":0.99282324,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11269036680459976},{"word":"the","start":909.785,"end":909.94495,"confidence":0.999252,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1877901405096054},{"word":"moment","start":909.94495,"end":910.185,"confidence":0.7852557,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.17445304989814758},{"word":"and","start":910.185,"end":910.345,"confidence":0.9995701,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12019813805818558},{"word":"when","start":910.345,"end":910.50494,"confidence":0.9992238,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1784098893404007},{"word":"you","start":910.50494,"end":910.665,"confidence":0.9993123,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17479659616947174},{"word":"came","start":910.665,"end":910.90497,"confidence":0.9967925,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.1925872564315796},{"word":"on","start":910.90497,"end":910.985,"confidence":0.5726691,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2075091153383255},{"word":"board","start":910.985,"end":911.225,"confidence":0.9770855,"punctuated_word":"board,","sentiment":"neutral","sentiment_score":0.2712901830673218},{"word":"netwealth","start":911.225,"end":911.70496,"confidence":0.9990736,"punctuated_word":"Netwealth","sentiment":"positive","sentiment_score":0.3807290494441986},{"word":"was","start":911.70496,"end":911.94495,"confidence":0.9904265,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.5949469804763794},{"word":"a","start":911.94495,"end":912.105,"confidence":0.9909093,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5961143970489502},{"word":"great","start":912.105,"end":912.345,"confidence":0.9969439,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.66441810131073},{"word":"platform","start":912.345,"end":912.845,"confidence":0.9948963,"punctuated_word":"platform.","sentiment":"positive","sentiment_score":0.4770834147930145},{"word":"i","start":913.46497,"end":913.545,"confidence":0.96850365,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.37999096512794495},{"word":"will","start":913.545,"end":913.785,"confidence":0.99160403,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4009303450584411},{"word":"look","start":913.785,"end":913.94495,"confidence":0.9842588,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.3088221251964569},{"word":"at","start":913.94495,"end":914.105,"confidence":0.96588224,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3618171811103821},{"word":"netwealth","start":914.105,"end":914.605,"confidence":0.9934021,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.30086788535118103},{"word":"as","start":914.82495,"end":914.985,"confidence":0.9146097,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3009869456291199},{"word":"well","start":914.985,"end":915.225,"confidence":0.9711997,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2901914119720459},{"word":"as","start":915.225,"end":915.46497,"confidence":0.8783426,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.30903565883636475},{"word":"other","start":915.46497,"end":915.96497,"confidence":0.93085164,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2712705135345459},{"word":"platforms","start":916.13,"end":916.45,"confidence":0.87968355,"punctuated_word":"platforms","sentiment":"neutral","sentiment_score":0.20005327463150024},{"word":"out","start":916.45,"end":916.52997,"confidence":0.9926484,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2564510107040405},{"word":"there","start":916.52997,"end":916.93,"confidence":0.9856176,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2495543956756592},{"word":"if","start":916.93,"end":917.17,"confidence":0.99256015,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09212622791528702},{"word":"there","start":917.17,"end":917.33,"confidence":0.981948,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.042673081159591675},{"word":"was","start":917.33,"end":917.57,"confidence":0.9941004,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06343897432088852},{"word":"something","start":917.57,"end":917.97,"confidence":0.99957126,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.06699750572443008},{"word":"to","start":917.97,"end":918.13,"confidence":0.9976756,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05483166128396988},{"word":"be","start":918.13,"end":918.29,"confidence":0.99453413,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05156899988651275},{"word":"better","start":918.29,"end":918.61,"confidence":0.99714226,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.04024505615234375},{"word":"that","start":918.61,"end":918.76996,"confidence":0.9938566,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022990934550762177},{"word":"provided","start":918.76996,"end":919.26996,"confidence":0.9884419,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.21336500346660617},{"word":"greater","start":919.33,"end":919.64996,"confidence":0.95282865,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.12066533416509628},{"word":"benefit","start":919.64996,"end":920.13,"confidence":0.9860807,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":0.13499006628990173},{"word":"are","start":920.13,"end":920.37,"confidence":0.99947757,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.010074600577354431},{"word":"you","start":920.37,"end":920.52997,"confidence":0.9993863,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06305745244026184},{"word":"open","start":920.52997,"end":920.85,"confidence":0.99659204,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.007759854197502136},{"word":"to","start":920.85,"end":921.01,"confidence":0.99848324,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.040358737111091614},{"word":"me","start":921.01,"end":921.25,"confidence":0.9971111,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10603123903274536},{"word":"altering","start":921.25,"end":921.73,"confidence":0.98401296,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.10077627003192902},{"word":"or","start":921.73,"end":921.97,"confidence":0.9813898,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.008543431758880615},{"word":"moving","start":921.97,"end":922.29,"confidence":0.9993494,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.04679685831069946},{"word":"you","start":922.29,"end":922.45,"confidence":0.9940274,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13555432856082916},{"word":"to","start":922.45,"end":922.69,"confidence":0.9987035,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1323099434375763},{"word":"another","start":922.69,"end":923.08997,"confidence":0.9996227,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.02296869456768036},{"word":"platform","start":923.08997,"end":923.57,"confidence":0.99937695,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.1005438044667244},{"word":"for","start":923.57,"end":923.73,"confidence":0.99853265,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13123556971549988},{"word":"your","start":923.73,"end":923.97,"confidence":0.99527645,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20129728317260745},{"word":"super","start":923.97,"end":924.37,"confidence":0.8390851,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2959958016872406},{"word":"fund","start":924.37,"end":924.69,"confidence":0.70418537,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.18650613725185392},{"word":"or","start":924.69,"end":925.17,"confidence":0.99869066,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06614439189434052},{"word":"are","start":925.17,"end":925.33,"confidence":0.99694544,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05647990107536316},{"word":"you","start":925.33,"end":925.57,"confidence":0.99852824,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1732533872127533},{"word":"sorta","start":925.57,"end":925.89,"confidence":0.7283835,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.19805485010147095},{"word":"happy","start":925.89,"end":926.20996,"confidence":0.9988404,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.10979123413562776},{"word":"to","start":926.20996,"end":926.37,"confidence":0.9968618,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09809553623199464},{"word":"stay","start":926.37,"end":926.61,"confidence":0.99693716,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.1155342534184456},{"word":"in","start":926.61,"end":926.76996,"confidence":0.9947488,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11283160746097563},{"word":"netwealth","start":926.76996,"end":927.26996,"confidence":0.99767333,"punctuated_word":"Netwealth?","sentiment":"neutral","sentiment_score":0.14369650185108185},{"word":"what's","start":927.33,"end":927.57,"confidence":0.959366,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.03007308766245842},{"word":"your","start":927.57,"end":927.81,"confidence":0.99847776,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01191357523202896},{"word":"thoughts","start":927.81,"end":928.13,"confidence":0.97994494,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.009486615657806396},{"word":"there","start":928.13,"end":928.63,"confidence":0.9925493,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.03670567274093628},{"word":"i'm","start":931.845,"end":932.08496,"confidence":0.99418867,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.12766170501708984},{"word":"sorry","start":932.08496,"end":932.40497,"confidence":0.99589825,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.14806807041168213},{"word":"i'll","start":932.40497,"end":932.565,"confidence":0.6599411,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.1445593237876892},{"word":"ask","start":932.565,"end":932.725,"confidence":0.99519324,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.13348758220672607},{"word":"all","start":932.725,"end":932.88495,"confidence":0.94811964,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.10084300488233566},{"word":"the","start":932.88495,"end":932.96497,"confidence":0.9970547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12776818871498108},{"word":"questions","start":932.96497,"end":933.285,"confidence":0.997323,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.17083591222763062},{"word":"you've","start":933.285,"end":933.52496,"confidence":0.8973006,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.10816161334514618},{"word":"probably","start":933.52496,"end":933.845,"confidence":0.99880445,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1950323581695557},{"word":"never","start":933.845,"end":934.08496,"confidence":0.9998012,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.15300226211547852},{"word":"thought","start":934.08496,"end":934.32495,"confidence":0.99860054,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.2212342917919159},{"word":"about","start":934.32495,"end":934.82495,"confidence":0.8765737,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":-0.16920989751815796},{"word":"mhmm","start":939.285,"end":939.785,"confidence":0.903409,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.10756101459264757},{"word":"yep","start":953.555,"end":954.055,"confidence":0.8464079,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01747756078839302},{"word":"yep","start":956.515,"end":956.875,"confidence":0.99389493,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.011466190218925476},{"word":"yep","start":956.875,"end":957.235,"confidence":0.6837337,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006050236523151398},{"word":"yep","start":957.235,"end":957.735,"confidence":0.6807031,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013673758134245872},{"word":"yep","start":961.955,"end":962.03503,"confidence":0.7283175,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14583441615104675},{"word":"absolutely","start":962.03503,"end":962.53503,"confidence":0.8667791,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.29160276055336},{"word":"well","start":962.915,"end":963.395,"confidence":0.99182546,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.15329411625862122},{"word":"if","start":963.395,"end":963.795,"confidence":0.99881953,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14854994416236875},{"word":"if","start":963.795,"end":964.03503,"confidence":0.9958419,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14576581120491028},{"word":"you","start":964.03503,"end":964.275,"confidence":0.999469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09639061987400056},{"word":"like","start":964.275,"end":964.515,"confidence":0.9879763,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11927920579910278},{"word":"i'll","start":964.515,"end":964.675,"confidence":0.999923,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13169951736927032},{"word":"go","start":964.675,"end":964.915,"confidence":0.9998368,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14933472871780396},{"word":"and","start":964.915,"end":965.075,"confidence":0.9597013,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16799107193946838},{"word":"do","start":965.075,"end":965.315,"confidence":0.99977344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11792696267366408},{"word":"the","start":965.315,"end":965.395,"confidence":0.9992125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12801511585712433},{"word":"research","start":965.395,"end":965.85,"confidence":0.9997347,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.099658265709877},{"word":"for","start":965.85,"end":966.08997,"confidence":0.9999666,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13520434498786926},{"word":"you","start":966.08997,"end":966.25,"confidence":0.9996412,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15045902132987976},{"word":"on","start":966.25,"end":966.32996,"confidence":0.9998248,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1294111609458923},{"word":"netwealth","start":966.32996,"end":966.82996,"confidence":0.9667891,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.09321095049381256},{"word":"as","start":966.97,"end":967.13,"confidence":0.93665475,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1064714640378952},{"word":"well","start":967.13,"end":967.29,"confidence":0.99997723,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.11715197563171388},{"word":"as","start":967.29,"end":967.44995,"confidence":0.9989184,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11604905128479004},{"word":"the","start":967.44995,"end":967.52997,"confidence":0.9992231,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13318277895450592},{"word":"other","start":967.52997,"end":967.76996,"confidence":0.9996568,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.105073019862175},{"word":"super","start":967.76996,"end":968.08997,"confidence":0.7054965,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08832753449678421},{"word":"fund","start":968.08997,"end":968.41,"confidence":0.85517925,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.09173934161663055},{"word":"options","start":968.41,"end":968.73,"confidence":0.999539,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.07996711134910583},{"word":"out","start":968.73,"end":968.88995,"confidence":0.9995702,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09396878629922868},{"word":"there","start":968.88995,"end":969.13,"confidence":0.9997899,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0824996680021286},{"word":"to","start":969.13,"end":969.29,"confidence":0.9969626,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1066507175564766},{"word":"see","start":969.29,"end":969.69,"confidence":0.9997187,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10319596529006958},{"word":"what's","start":969.69,"end":970.00995,"confidence":0.99933577,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.08727236837148666},{"word":"gonna","start":970.00995,"end":970.25,"confidence":0.99739575,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09492642432451248},{"word":"provide","start":970.25,"end":970.56995,"confidence":0.9992791,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.14635753631591797},{"word":"greater","start":970.56995,"end":970.88995,"confidence":0.9928873,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.10504646599292757},{"word":"benefits","start":970.88995,"end":971.38995,"confidence":0.77025706,"punctuated_word":"benefits,","sentiment":"neutral","sentiment_score":0.1265178024768829},{"word":"sort","start":971.44995,"end":971.52997,"confidence":0.60053396,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08273099362850189},{"word":"of","start":971.52997,"end":971.61,"confidence":0.6810652,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07621721923351288},{"word":"look","start":971.61,"end":971.76996,"confidence":0.9853726,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07331269979476929},{"word":"at","start":971.76996,"end":971.93,"confidence":0.9979037,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08586613833904266},{"word":"the","start":971.93,"end":972.00995,"confidence":0.99482226,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10225196182727814},{"word":"fees","start":972.00995,"end":972.32996,"confidence":0.98656625,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.09508882462978364},{"word":"for","start":972.32996,"end":972.49,"confidence":0.99971324,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0831034928560257},{"word":"you","start":972.49,"end":972.64996,"confidence":0.99991345,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10437700152397156},{"word":"as","start":972.64996,"end":972.88995,"confidence":0.9996164,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07270639389753342},{"word":"well","start":972.88995,"end":973.13,"confidence":0.99839073,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07169735431671143},{"word":"i'll","start":973.13,"end":973.29,"confidence":0.99809986,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07516497373580933},{"word":"also","start":973.29,"end":973.61,"confidence":0.9979729,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0598396435379982},{"word":"look","start":973.61,"end":973.76996,"confidence":0.99924785,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05543028935790062},{"word":"at","start":973.76996,"end":973.93,"confidence":0.99945503,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0642429068684578},{"word":"the","start":973.93,"end":974.08997,"confidence":0.9990393,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.059787459671497345},{"word":"cgt","start":974.08997,"end":974.58997,"confidence":0.9397249,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.020107489079236984},{"word":"consequences","start":974.73,"end":975.23,"confidence":0.9982408,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.02765326201915741},{"word":"because","start":975.29,"end":975.61,"confidence":0.41478956,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03561946749687195},{"word":"one","start":975.61,"end":975.76996,"confidence":0.99948764,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03427635505795479},{"word":"of","start":975.76996,"end":975.93,"confidence":0.9998659,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037906378507614136},{"word":"the","start":975.93,"end":976.00995,"confidence":0.9996904,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027895327657461166},{"word":"big","start":976.00995,"end":976.25,"confidence":0.9998869,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.029086284339427948},{"word":"things","start":976.25,"end":976.49,"confidence":0.9997888,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.03134414926171303},{"word":"to","start":976.49,"end":976.56995,"confidence":0.99847406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0228068009018898},{"word":"consider","start":976.56995,"end":976.97,"confidence":0.99991405,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.02407955750823021},{"word":"is","start":976.97,"end":977.13,"confidence":0.9993637,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03782041743397713},{"word":"that","start":977.13,"end":977.29,"confidence":0.9998399,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.038469187915325165},{"word":"you","start":977.29,"end":977.44995,"confidence":0.99968207,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03810236230492592},{"word":"have","start":977.44995,"end":977.94995,"confidence":0.9998247,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02338176593184471},{"word":"been","start":978.00995,"end":978.25,"confidence":0.9910028,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.025260206311941147},{"word":"invested","start":978.25,"end":978.64996,"confidence":0.9991485,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.03315010294318199},{"word":"in","start":978.64996,"end":978.81,"confidence":0.999749,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05087421461939812},{"word":"this","start":978.81,"end":979.05,"confidence":0.99969053,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.052852507680654526},{"word":"platform","start":979.05,"end":979.44995,"confidence":0.9996145,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.057026877999305725},{"word":"for","start":979.44995,"end":979.69,"confidence":0.99962306,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03707686811685562},{"word":"a","start":979.69,"end":979.76996,"confidence":0.9960526,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.043365299701690674},{"word":"while","start":979.76996,"end":980.00995,"confidence":0.99998236,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.04125170782208443},{"word":"in","start":980.00995,"end":980.17,"confidence":0.992029,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03739496320486069},{"word":"the","start":980.17,"end":980.32996,"confidence":0.9946538,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03501481935381889},{"word":"super","start":980.32996,"end":980.73,"confidence":0.96741796,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.031140465289354324},{"word":"fund","start":980.73,"end":981.23,"confidence":0.8439282,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.03059711679816246},{"word":"and","start":981.44495,"end":981.605,"confidence":0.999811,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02752345055341721},{"word":"you've","start":981.605,"end":981.76495,"confidence":0.9996345,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03339063748717308},{"word":"got","start":981.76495,"end":981.925,"confidence":0.99995923,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.031817782670259476},{"word":"these","start":981.925,"end":982.245,"confidence":0.96618015,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.027214419096708298},{"word":"underlying","start":982.245,"end":982.725,"confidence":0.99905294,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":0.018667669966816906},{"word":"investments","start":982.725,"end":983.125,"confidence":0.99721766,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-2.596527338027954e-6},{"word":"there","start":983.125,"end":983.52496,"confidence":0.95881087,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.009869005531072617},{"word":"we","start":983.52496,"end":983.845,"confidence":0.99958104,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.018796496093273163},{"word":"wanna","start":983.845,"end":984.08496,"confidence":0.9990927,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.019349301233887672},{"word":"make","start":984.08496,"end":984.245,"confidence":0.99958915,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.013953186571598051},{"word":"sure","start":984.245,"end":984.485,"confidence":0.99993277,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.02307818830013275},{"word":"that","start":984.485,"end":984.64496,"confidence":0.99994886,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021980401128530502},{"word":"we're","start":984.64496,"end":984.805,"confidence":0.99990404,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.00989100243896246},{"word":"not","start":984.805,"end":985.045,"confidence":0.99986076,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.004174716770648956},{"word":"gonna","start":985.045,"end":985.365,"confidence":0.999069,"punctuated_word":"gonna,","sentiment":"neutral","sentiment_score":-0.021375447511672977},{"word":"you","start":985.365,"end":985.44495,"confidence":0.9998778,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006714485585689545},{"word":"know","start":985.44495,"end":985.685,"confidence":0.9999013,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.01681283675134182},{"word":"cause","start":985.685,"end":986.08496,"confidence":0.9940439,"punctuated_word":"cause","sentiment":"neutral","sentiment_score":-0.08820483088493347},{"word":"too","start":986.08496,"end":986.245,"confidence":0.99921465,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.05334564298391342},{"word":"much","start":986.245,"end":986.485,"confidence":0.99997723,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.036143768578767776},{"word":"of","start":986.485,"end":986.64496,"confidence":0.99965036,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03929953649640083},{"word":"a","start":986.64496,"end":986.725,"confidence":0.9965205,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0365174263715744},{"word":"tax","start":986.725,"end":987.125,"confidence":0.9998467,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.102896548807621},{"word":"consequence","start":987.125,"end":987.605,"confidence":0.72229064,"punctuated_word":"consequence.","sentiment":"neutral","sentiment_score":-0.044085778295993805},{"word":"because","start":987.605,"end":987.845,"confidence":0.9857875,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.0064745210111141205},{"word":"your","start":987.845,"end":988.00494,"confidence":0.9971867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.017960332334041595},{"word":"fund","start":988.00494,"end":988.245,"confidence":0.5459648,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.026571862399578094},{"word":"still","start":988.245,"end":988.485,"confidence":0.9986236,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.01293237879872322},{"word":"has","start":988.485,"end":988.725,"confidence":0.9936759,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.025663115084171295},{"word":"to","start":988.725,"end":988.805,"confidence":0.9945669,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.013230562210083008},{"word":"do","start":988.805,"end":989.045,"confidence":0.998089,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02645185589790344},{"word":"tax","start":989.045,"end":989.285,"confidence":0.9969639,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.015853404998779297},{"word":"returns","start":989.285,"end":989.685,"confidence":0.9338355,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":-0.01286771334707737},{"word":"and","start":989.685,"end":989.845,"confidence":0.999366,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0021935291588306427},{"word":"they","start":989.845,"end":990.08496,"confidence":0.99959904,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.016256898641586304},{"word":"pay","start":990.08496,"end":990.40497,"confidence":0.9949551,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.008921980857849121},{"word":"capital","start":990.40497,"end":990.805,"confidence":0.99693394,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.04947730153799057},{"word":"gains","start":990.805,"end":991.125,"confidence":0.97781897,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.03148103877902031},{"word":"tax","start":991.125,"end":991.44495,"confidence":0.76024103,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.0020150989294052124},{"word":"and","start":991.44495,"end":991.605,"confidence":0.95706624,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.024689584970474243},{"word":"income","start":991.605,"end":991.925,"confidence":0.9992015,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.04406820982694626},{"word":"tax","start":991.925,"end":992.425,"confidence":0.999286,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.0009052008390426636},{"word":"on","start":992.64496,"end":992.88495,"confidence":0.8306411,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02153046429157257},{"word":"the","start":992.88495,"end":993.125,"confidence":0.99917537,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006984442472457886},{"word":"investments","start":993.125,"end":993.52496,"confidence":0.99041724,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.03093959391117096},{"word":"within","start":993.52496,"end":993.845,"confidence":0.99520373,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.013664763420820236},{"word":"the","start":993.845,"end":993.925,"confidence":0.99855274,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015155233442783356},{"word":"fund","start":993.925,"end":994.245,"confidence":0.99826777,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.010207638144493105},{"word":"every","start":994.245,"end":994.565,"confidence":0.99901426,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.007135361433029175},{"word":"year","start":994.565,"end":994.805,"confidence":0.9958693,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.004469078034162521},{"word":"so","start":994.805,"end":995.305,"confidence":0.9981152,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01893998123705387},{"word":"i'll","start":995.87,"end":996.19,"confidence":0.9995686,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04696855694055557},{"word":"have","start":996.19,"end":996.43,"confidence":0.9997769,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.061923492699861526},{"word":"a","start":996.43,"end":996.51,"confidence":0.999044,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05336017161607742},{"word":"look","start":996.51,"end":996.83,"confidence":0.9999211,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03848054260015488},{"word":"at","start":996.83,"end":996.99,"confidence":0.99959356,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04257192462682724},{"word":"the","start":996.99,"end":997.23,"confidence":0.9863522,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027942506596446037},{"word":"super","start":997.23,"end":997.47,"confidence":0.88783634,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.032969653606414795},{"word":"funds","start":997.47,"end":997.87,"confidence":0.83587617,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.036077648401260376},{"word":"i'll","start":997.87,"end":998.02997,"confidence":0.99992126,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05076857656240463},{"word":"have","start":998.02997,"end":998.11,"confidence":0.99975926,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05900765210390091},{"word":"a","start":998.11,"end":998.19,"confidence":0.9749997,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05974046513438225},{"word":"look","start":998.19,"end":998.35,"confidence":0.9998375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04178890958428383},{"word":"at","start":998.35,"end":998.51,"confidence":0.9966773,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04992852360010147},{"word":"the","start":998.51,"end":998.67,"confidence":0.9993789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02810416929423809},{"word":"investments","start":998.67,"end":999.15,"confidence":0.99062717,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.027238845825195312},{"word":"i'll","start":999.15,"end":999.31,"confidence":0.99924815,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05599048733711243},{"word":"look","start":999.31,"end":999.47,"confidence":0.9997168,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05236949026584625},{"word":"at","start":999.47,"end":999.55,"confidence":0.99777955,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05494723469018936},{"word":"the","start":999.55,"end":999.71,"confidence":0.9986878,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0399547815322876},{"word":"tax","start":999.71,"end":1000.02997,"confidence":0.9724558,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06274191290140152},{"word":"consequences","start":1000.02997,"end":1000.52997,"confidence":0.99952066,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.021972469985485077},{"word":"for","start":1000.75,"end":1000.91,"confidence":0.99984515,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04595257341861725},{"word":"you","start":1000.91,"end":1001.15,"confidence":0.92245877,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.05430881679058075},{"word":"and","start":1001.15,"end":1001.39,"confidence":0.9998241,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.056258589029312134},{"word":"i'll","start":1001.39,"end":1001.55,"confidence":0.99901986,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07309040427207947},{"word":"also","start":1001.55,"end":1001.87,"confidence":0.9966306,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07002459466457367},{"word":"look","start":1001.87,"end":1002.02997,"confidence":0.99933547,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07073286175727844},{"word":"at","start":1002.02997,"end":1002.19,"confidence":0.9985123,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08244739472866058},{"word":"that","start":1002.19,"end":1002.35,"confidence":0.9919258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08636847138404846},{"word":"transfer","start":1002.35,"end":1002.83,"confidence":0.8605358,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.06012518331408501},{"word":"time","start":1002.83,"end":1003.31,"confidence":0.5527331,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.05747947096824646},{"word":"strategy","start":1003.31,"end":1003.71,"confidence":0.8645134,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.06480857729911804},{"word":"to","start":1003.71,"end":1003.87,"confidence":0.76324254,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0672193318605423},{"word":"see","start":1003.87,"end":1004.02997,"confidence":0.9977431,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07632508873939514},{"word":"if","start":1004.02997,"end":1004.19,"confidence":0.999356,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06381678581237793},{"word":"it's","start":1004.19,"end":1004.43,"confidence":0.9991181,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07536368817090988},{"word":"gonna","start":1004.43,"end":1004.75,"confidence":0.9987288,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08741894364356995},{"word":"provide","start":1004.75,"end":1005.15,"confidence":0.9984744,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.06686753034591675},{"word":"benefit","start":1005.15,"end":1005.65,"confidence":0.92719865,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.08740723878145218},{"word":"and","start":1006.02997,"end":1006.19,"confidence":0.95649844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06451278179883957},{"word":"then","start":1006.19,"end":1006.35,"confidence":0.99981207,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07336375117301941},{"word":"i","start":1006.35,"end":1006.51,"confidence":0.9991411,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09098619967699052},{"word":"can","start":1006.51,"end":1006.75,"confidence":0.99988985,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10037853568792345},{"word":"come","start":1006.75,"end":1006.91,"confidence":0.9999083,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.10266733169555664},{"word":"back","start":1006.91,"end":1007.07,"confidence":0.9997744,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.08804690837860107},{"word":"and","start":1007.07,"end":1007.31,"confidence":0.99877316,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08625464141368866},{"word":"update","start":1007.31,"end":1007.63,"confidence":0.99985695,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0948980450630188},{"word":"the","start":1007.63,"end":1007.79,"confidence":0.99904424,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09783434867858888},{"word":"advice","start":1007.79,"end":1008.11,"confidence":0.8861792,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06877271831035614},{"word":"strategy","start":1008.11,"end":1008.61,"confidence":0.9962094,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.0649014413356781},{"word":"for","start":1008.67,"end":1008.83,"confidence":0.9997124,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09559443593025208},{"word":"you","start":1008.83,"end":1008.99,"confidence":0.99993503,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0909825712442398},{"word":"and","start":1008.99,"end":1009.15,"confidence":0.98253906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08164450526237488},{"word":"show","start":1009.15,"end":1009.39,"confidence":0.99951243,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.09681496024131776},{"word":"you","start":1009.39,"end":1009.47,"confidence":0.99861753,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11229997873306274},{"word":"what","start":1009.47,"end":1009.71,"confidence":0.99988616,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09865088015794754},{"word":"we're","start":1009.71,"end":1009.87,"confidence":0.9994296,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09310072660446168},{"word":"gonna","start":1009.87,"end":1010.19,"confidence":0.99912184,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09618887305259705},{"word":"do","start":1010.19,"end":1010.35,"confidence":0.99739563,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12156227976083755},{"word":"to","start":1010.35,"end":1010.51,"confidence":0.9994753,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10756370425224304},{"word":"help","start":1010.51,"end":1010.75,"confidence":0.99984074,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.11644802242517471},{"word":"you","start":1010.75,"end":1010.99,"confidence":0.99969864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08299656212329865},{"word":"out","start":1010.99,"end":1011.285,"confidence":0.9962511,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.07336517423391342},{"word":"how","start":1012.00494,"end":1012.165,"confidence":0.98710585,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.05064648762345314},{"word":"does","start":1012.165,"end":1012.32495,"confidence":0.99973565,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.04969558119773865},{"word":"that","start":1012.32495,"end":1012.565,"confidence":0.99981743,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10846924781799316},{"word":"sound","start":1012.565,"end":1013.065,"confidence":0.9997593,"punctuated_word":"sound?","sentiment":"neutral","sentiment_score":0.05166197195649147},{"word":"yeah","start":1013.685,"end":1014.185,"confidence":0.8387377,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.04397109150886536},{"word":"beautiful","start":1014.805,"end":1015.305,"confidence":0.9986523,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3757731318473816},{"word":"i'll","start":1015.685,"end":1016.00494,"confidence":0.9995258,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2939213514328003},{"word":"do","start":1016.00494,"end":1016.165,"confidence":0.99989593,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2846434414386749},{"word":"a","start":1016.165,"end":1016.245,"confidence":0.9979711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3168310523033142},{"word":"nice","start":1016.245,"end":1016.745,"confidence":0.99973756,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.27944159507751465},{"word":"in-depth","start":1016.88495,"end":1017.365,"confidence":0.93161273,"punctuated_word":"in-depth","sentiment":"neutral","sentiment_score":0.17142927646636963},{"word":"bit","start":1017.365,"end":1017.52496,"confidence":0.9417746,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.22244665026664737},{"word":"of","start":1017.52496,"end":1017.685,"confidence":0.9980039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2056766301393509},{"word":"research","start":1017.685,"end":1018.00494,"confidence":0.9961755,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.1668827086687088},{"word":"there","start":1018.00494,"end":1018.165,"confidence":0.9759704,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20963680744171145},{"word":"for","start":1018.165,"end":1018.32495,"confidence":0.99964523,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20510244369506836},{"word":"you","start":1018.32495,"end":1018.565,"confidence":0.99559903,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.23111164569854736},{"word":"darren","start":1018.565,"end":1018.805,"confidence":0.9673151,"punctuated_word":"Darren.","sentiment":"neutral","sentiment_score":0.18044376373291016},{"word":"now","start":1018.805,"end":1018.96497,"confidence":0.9956878,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10689913481473924},{"word":"it","start":1018.96497,"end":1019.125,"confidence":0.992145,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09996194392442705},{"word":"does","start":1019.125,"end":1019.365,"confidence":0.99978155,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07197273522615433},{"word":"take","start":1019.365,"end":1019.52496,"confidence":0.99940217,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.06774003803730011},{"word":"me","start":1019.52496,"end":1019.685,"confidence":0.9990409,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08438701927661896},{"word":"a","start":1019.685,"end":1019.76495,"confidence":0.99955326,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07411578297615051},{"word":"little","start":1019.76495,"end":1020.00494,"confidence":0.99993634,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07259181141853333},{"word":"bit","start":1020.00494,"end":1020.165,"confidence":0.99959296,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09413263201713562},{"word":"to","start":1020.165,"end":1020.245,"confidence":0.99940014,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09444788098335266},{"word":"put","start":1020.245,"end":1020.485,"confidence":0.9997564,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.06571859121322632},{"word":"the","start":1020.485,"end":1020.565,"confidence":0.9993907,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07322923839092255},{"word":"research","start":1020.565,"end":1021.045,"confidence":0.9998011,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.04417517408728599},{"word":"together","start":1021.045,"end":1021.545,"confidence":0.99896216,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.04936176538467407},{"word":"a","start":1022.165,"end":1022.32495,"confidence":0.64738685,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.051341887563467026},{"word":"lot","start":1022.32495,"end":1022.485,"confidence":0.9996501,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.04606235027313232},{"word":"of","start":1022.485,"end":1022.64496,"confidence":0.9992481,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.056196458637714386},{"word":"my","start":1022.64496,"end":1022.805,"confidence":0.99913484,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06123337149620056},{"word":"clients","start":1022.805,"end":1023.125,"confidence":0.9961235,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.0342964231967926},{"word":"are","start":1023.125,"end":1023.285,"confidence":0.99408495,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04213070869445801},{"word":"in","start":1023.285,"end":1023.44495,"confidence":0.97119987,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04542211443185806},{"word":"that","start":1023.44495,"end":1023.69,"confidence":0.984643,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07154063135385513},{"word":"retirement","start":1023.77,"end":1024.09,"confidence":0.9421673,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.03404217213392258},{"word":"sort","start":1024.09,"end":1024.17,"confidence":0.7715202,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04381501674652099},{"word":"of","start":1024.17,"end":1024.33,"confidence":0.93281907,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021972348913550377},{"word":"space","start":1024.33,"end":1024.65,"confidence":0.827064,"punctuated_word":"space,","sentiment":"neutral","sentiment_score":0.03929423540830612},{"word":"so","start":1024.65,"end":1024.81,"confidence":0.99962044,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.051627300679683685},{"word":"i","start":1024.81,"end":1024.89,"confidence":0.9999001,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08594051003456116},{"word":"do","start":1024.89,"end":1025.13,"confidence":0.9985555,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08462506532669067},{"word":"do","start":1025.13,"end":1025.21,"confidence":0.9955422,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09025220572948456},{"word":"a","start":1025.21,"end":1025.29,"confidence":0.9993005,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0941447913646698},{"word":"lot","start":1025.29,"end":1025.37,"confidence":0.9997801,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.09872444719076157},{"word":"of","start":1025.37,"end":1025.53,"confidence":0.99872714,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09192118793725967},{"word":"in-depth","start":1025.53,"end":1025.93,"confidence":0.99586457,"punctuated_word":"in-depth","sentiment":"neutral","sentiment_score":0.05312071368098259},{"word":"research","start":1025.93,"end":1026.33,"confidence":0.9989273,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.05083678662776947},{"word":"there","start":1026.33,"end":1026.57,"confidence":0.97690356,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.059201356023550034},{"word":"but","start":1026.57,"end":1026.65,"confidence":0.9991862,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07221830636262894},{"word":"once","start":1026.65,"end":1026.89,"confidence":0.9995259,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.04734599590301514},{"word":"i","start":1026.89,"end":1027.05,"confidence":0.90090793,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05960932374000549},{"word":"have","start":1027.05,"end":1027.21,"confidence":0.9998499,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06527329981327057},{"word":"that","start":1027.21,"end":1027.45,"confidence":0.99865675,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0898154079914093},{"word":"all","start":1027.45,"end":1027.69,"confidence":0.94572073,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05745202302932739},{"word":"ready","start":1027.69,"end":1027.93,"confidence":0.9997774,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.07493135333061218},{"word":"to","start":1027.93,"end":1028.09,"confidence":0.99931705,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06753614544868469},{"word":"go","start":1028.09,"end":1028.33,"confidence":0.9992382,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.08734257519245148},{"word":"i'll","start":1028.33,"end":1028.57,"confidence":0.9999074,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07883398234844208},{"word":"come","start":1028.57,"end":1028.81,"confidence":0.9993284,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.08978283405303955},{"word":"back","start":1028.81,"end":1029.05,"confidence":0.9700755,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.07653716951608658},{"word":"book","start":1029.05,"end":1029.29,"confidence":0.9983986,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.05120382830500603},{"word":"you","start":1029.29,"end":1029.37,"confidence":0.9992774,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05088161677122116},{"word":"back","start":1029.37,"end":1029.53,"confidence":0.9997702,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06238951534032822},{"word":"in","start":1029.53,"end":1029.69,"confidence":0.9588765,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.05987389013171196},{"word":"and","start":1029.69,"end":1029.85,"confidence":0.9965701,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08320580422878265},{"word":"we'll","start":1029.85,"end":1030.09,"confidence":0.9970903,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09400023519992828},{"word":"go","start":1030.09,"end":1030.17,"confidence":0.996781,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09670883417129517},{"word":"through","start":1030.17,"end":1030.41,"confidence":0.8046846,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1030641496181488},{"word":"that","start":1030.41,"end":1030.57,"confidence":0.9980696,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08513133972883224},{"word":"document","start":1030.57,"end":1031.07,"confidence":0.98483026,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.05332396924495697},{"word":"together","start":1031.13,"end":1031.45,"confidence":0.99949074,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.04796500876545906},{"word":"so","start":1031.45,"end":1031.69,"confidence":0.94610876,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0744585320353508},{"word":"you","start":1031.69,"end":1031.77,"confidence":0.99987495,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08871615678071976},{"word":"can","start":1031.77,"end":1032.01,"confidence":0.9996904,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06367207318544388},{"word":"see","start":1032.01,"end":1032.41,"confidence":0.9974808,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07110152393579483},{"word":"what","start":1032.41,"end":1032.57,"confidence":0.99490297,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05513402447104454},{"word":"we're","start":1032.57,"end":1032.89,"confidence":0.99964994,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.05818159505724907},{"word":"recommending","start":1032.89,"end":1033.39,"confidence":0.9811629,"punctuated_word":"recommending,","sentiment":"neutral","sentiment_score":0.05521605536341667},{"word":"why","start":1033.85,"end":1034.09,"confidence":0.99474853,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.035318225622177124},{"word":"the","start":1034.09,"end":1034.33,"confidence":0.95211476,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028563980013132095},{"word":"advantages","start":1034.33,"end":1034.83,"confidence":0.8518956,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.02275655046105385},{"word":"the","start":1034.89,"end":1035.05,"confidence":0.9823064,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02558526396751404},{"word":"disadvantages","start":1035.05,"end":1035.55,"confidence":0.98914576,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.0032221712172031403},{"word":"and","start":1035.85,"end":1036.01,"confidence":0.99942434,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03825757279992104},{"word":"the","start":1036.01,"end":1036.09,"confidence":0.9992894,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03471990302205086},{"word":"risks","start":1036.09,"end":1036.395,"confidence":0.80458516,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.03844956308603287},{"word":"involved","start":1036.635,"end":1036.9551,"confidence":0.98773116,"punctuated_word":"involved","sentiment":"neutral","sentiment_score":0.01311824470758438},{"word":"before","start":1036.9551,"end":1037.275,"confidence":0.99478877,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.05973278358578682},{"word":"you","start":1037.275,"end":1037.515,"confidence":0.99986863,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.038293302059173584},{"word":"decide","start":1037.515,"end":1037.835,"confidence":0.9986695,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.017036505043506622},{"word":"to","start":1037.835,"end":1037.995,"confidence":0.99863535,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028292357921600345},{"word":"take","start":1037.995,"end":1038.235,"confidence":0.9998729,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.017288342118263245},{"word":"on","start":1038.235,"end":1038.3151,"confidence":0.9993474,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03339487686753273},{"word":"the","start":1038.3151,"end":1038.475,"confidence":0.9991334,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047161396592855453},{"word":"advice","start":1038.475,"end":1038.9551,"confidence":0.9688461,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.01611899584531784},{"word":"does","start":1038.9551,"end":1039.115,"confidence":0.996216,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0511486679315567},{"word":"that","start":1039.115,"end":1039.275,"confidence":0.99984586,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10718435049057008},{"word":"sound","start":1039.275,"end":1039.515,"confidence":0.9996444,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.06326582282781601},{"word":"alright","start":1039.515,"end":1039.835,"confidence":0.9965959,"punctuated_word":"alright","sentiment":"neutral","sentiment_score":0.04370357096195221},{"word":"with","start":1039.835,"end":1039.995,"confidence":0.9998281,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.021540280431509014},{"word":"you","start":1039.995,"end":1040.495,"confidence":0.999937,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.03588564321398735},{"word":"yep","start":1041.915,"end":1042.415,"confidence":0.8349062,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15451127290725708},{"word":"beautiful","start":1042.715,"end":1043.215,"confidence":0.99171734,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6097055673599243},{"word":"lovely","start":1043.435,"end":1043.915,"confidence":0.99983907,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.6652181148529053},{"word":"i've","start":1043.915,"end":1044.0751,"confidence":0.9993735,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.5718177556991577},{"word":"got","start":1044.0751,"end":1044.235,"confidence":0.99994695,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5576735734939575},{"word":"some","start":1044.235,"end":1044.395,"confidence":0.99991465,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.486293226480484},{"word":"work","start":1044.395,"end":1044.635,"confidence":0.999884,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.5929017066955566},{"word":"to","start":1044.635,"end":1044.795,"confidence":0.99972814,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5230613946914673},{"word":"do","start":1044.795,"end":1044.9551,"confidence":0.99974203,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.5335486531257629},{"word":"i","start":1044.9551,"end":1045.115,"confidence":0.9999157,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7089853882789612},{"word":"love","start":1045.115,"end":1045.275,"confidence":0.9999082,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.8258437514305115},{"word":"it","start":1045.275,"end":1045.355,"confidence":0.9997804,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.691925048828125},{"word":"that's","start":1045.355,"end":1045.595,"confidence":0.9997498,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7533413171768188},{"word":"fantastic","start":1045.595,"end":1046.095,"confidence":0.9999232,"punctuated_word":"fantastic.","sentiment":"neutral","sentiment_score":0.286994993686676},{"word":"now","start":1047.275,"end":1047.675,"confidence":0.66010374,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.030763577669858932},{"word":"i","start":1047.675,"end":1047.835,"confidence":0.9741034,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.023640958592295647},{"word":"know","start":1047.835,"end":1048.155,"confidence":0.9962381,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.02374004572629929},{"word":"you","start":1048.155,"end":1048.3151,"confidence":0.99705124,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015501074492931366},{"word":"don't","start":1048.3151,"end":1048.555,"confidence":0.97489107,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.010954787954688072},{"word":"not","start":1048.635,"end":1048.875,"confidence":0.99402493,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.008375201374292374},{"word":"really","start":1048.875,"end":1049.115,"confidence":0.99962175,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.01470370963215828},{"word":"sure","start":1049.115,"end":1049.435,"confidence":0.9990336,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.025580991059541702},{"word":"exactly","start":1049.435,"end":1049.835,"confidence":0.9990031,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.015429604798555374},{"word":"what","start":1049.835,"end":1049.995,"confidence":0.9996847,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0006681308150291443},{"word":"age","start":1049.995,"end":1050.235,"confidence":0.99577206,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.001754526048898697},{"word":"you'd","start":1050.235,"end":1050.475,"confidence":0.9804273,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.009135670959949492},{"word":"like","start":1050.475,"end":1050.635,"confidence":0.9992889,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03150200843811035},{"word":"to","start":1050.635,"end":1050.715,"confidence":0.9980806,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027820240706205368},{"word":"realistically","start":1050.715,"end":1051.215,"confidence":0.9979918,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.01728365384042263},{"word":"retire","start":1051.44,"end":1051.7599,"confidence":0.85520136,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.029474232345819473},{"word":"but","start":1051.7599,"end":1051.9199,"confidence":0.9990128,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.018722521141171455},{"word":"just","start":1051.9199,"end":1052.1599,"confidence":0.96671337,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.024079851806163788},{"word":"so","start":1052.1599,"end":1052.3999,"confidence":0.939361,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03746771812438965},{"word":"i","start":1052.3999,"end":1052.48,"confidence":0.9949699,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0660867691040039},{"word":"have","start":1052.48,"end":1052.6399,"confidence":0.9941723,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06470783799886703},{"word":"a","start":1052.6399,"end":1052.72,"confidence":0.99890316,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07988490909337997},{"word":"bit","start":1052.72,"end":1052.8799,"confidence":0.99979097,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08268056064844131},{"word":"of","start":1052.8799,"end":1052.96,"confidence":0.9997316,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07828354090452194},{"word":"a","start":1052.96,"end":1053.0399,"confidence":0.99802387,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0681186318397522},{"word":"goal","start":1053.0399,"end":1053.36,"confidence":0.96362644,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.05524338036775589},{"word":"to","start":1053.36,"end":1053.5199,"confidence":0.9996698,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0687091276049614},{"word":"work","start":1053.5199,"end":1053.7599,"confidence":0.9998723,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.07661153376102448},{"word":"on","start":1053.7599,"end":1054.0,"confidence":0.807377,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.048724494874477386},{"word":"do","start":1054.0,"end":1054.1599,"confidence":0.9997212,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.013593807816505432},{"word":"you","start":1054.1599,"end":1054.32,"confidence":0.99992,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03246098756790161},{"word":"think","start":1054.32,"end":1054.82,"confidence":0.99985445,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.021318431943655018},{"word":"you'd","start":1054.8799,"end":1055.2,"confidence":0.99883646,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.02500516176223755},{"word":"be","start":1055.2,"end":1055.36,"confidence":0.99912256,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.017843307927250862},{"word":"sort","start":1055.36,"end":1055.5199,"confidence":0.98640895,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01031913235783577},{"word":"of","start":1055.5199,"end":1055.6799,"confidence":0.85141975,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030248498544096947},{"word":"working","start":1055.6799,"end":1056.0,"confidence":0.9992539,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.02663949318230152},{"word":"towards","start":1056.0,"end":1056.3999,"confidence":0.9985972,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.05382052063941955},{"word":"maybe","start":1056.3999,"end":1056.7999,"confidence":0.93749386,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.024005571380257607},{"word":"65","start":1056.7999,"end":1057.6,"confidence":0.994588,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":0.05293775349855423},{"word":"66","start":1057.6,"end":1058.24,"confidence":0.99367344,"punctuated_word":"66?","sentiment":"neutral","sentiment_score":0.04957851767539978},{"word":"do","start":1058.24,"end":1058.32,"confidence":0.9920391,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.01558152586221695},{"word":"you","start":1058.32,"end":1058.3999,"confidence":0.99968946,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035373687744140625},{"word":"think","start":1058.3999,"end":1058.5599,"confidence":0.99992704,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.028725361451506615},{"word":"you'd","start":1058.5599,"end":1059.0399,"confidence":0.99871814,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.03528468310832977},{"word":"probably","start":1059.0399,"end":1059.5399,"confidence":0.9927642,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03167589008808136},{"word":"be","start":1059.6799,"end":1059.84,"confidence":0.9988507,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0356675460934639},{"word":"able","start":1059.84,"end":1060.1599,"confidence":0.99967134,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.05955124273896217},{"word":"to","start":1060.1599,"end":1060.24,"confidence":0.9996573,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04430181160569191},{"word":"start","start":1060.24,"end":1060.5599,"confidence":0.7822264,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.02077661268413067},{"word":"working","start":1060.5599,"end":1060.7999,"confidence":0.99965084,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.03519229218363762},{"word":"or","start":1060.7999,"end":1060.96,"confidence":0.8859139,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.029633130878210068},{"word":"hopefully","start":1060.96,"end":1061.36,"confidence":0.7057944,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.05689439550042152},{"word":"be","start":1061.36,"end":1061.5199,"confidence":0.96706814,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.039079293608665466},{"word":"able","start":1061.5199,"end":1061.6799,"confidence":0.99140394,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.05484461784362793},{"word":"to","start":1061.6799,"end":1061.7599,"confidence":0.987463,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03412633761763573},{"word":"start","start":1061.7599,"end":1061.9199,"confidence":0.86128175,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.02367514558136463},{"word":"working","start":1061.9199,"end":1062.1599,"confidence":0.99695826,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.01582280546426773},{"word":"around","start":1062.1599,"end":1062.48,"confidence":0.8593301,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.033344119787216187},{"word":"age","start":1062.48,"end":1062.72,"confidence":0.93089443,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.011718882247805595},{"word":"pension","start":1062.72,"end":1063.2,"confidence":0.9800055,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.022434763610363007},{"word":"age","start":1063.2,"end":1063.5199,"confidence":0.99831617,"punctuated_word":"age?","sentiment":"neutral","sentiment_score":0.0013416390866041183},{"word":"what's","start":1063.5199,"end":1063.84,"confidence":0.99938005,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.00433093449100852},{"word":"your","start":1063.84,"end":1064.08,"confidence":0.9981164,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0017846692353487017},{"word":"sort","start":1064.08,"end":1064.32,"confidence":0.99166405,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.002579670399427414},{"word":"of","start":1064.32,"end":1064.48,"confidence":0.98917514,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0018117483705282211},{"word":"thoughts","start":1064.48,"end":1064.98,"confidence":0.7591003,"punctuated_word":"thoughts?","sentiment":"neutral","sentiment_score":0.010947677306830885},{"word":"health","start":1077.285,"end":1077.785,"confidence":0.89607006,"punctuated_word":"Health.","sentiment":"neutral","sentiment_score":-0.016105644404888153},{"word":"yeah","start":1077.845,"end":1078.345,"confidence":0.99306303,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.059581585228443146},{"word":"yeah","start":1080.51,"end":1081.01,"confidence":0.9938619,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0046762339770793915},{"word":"yep","start":1085.23,"end":1085.73,"confidence":0.7873939,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01485661044716835},{"word":"yep","start":1091.085,"end":1091.405,"confidence":0.872248,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06953251361846924},{"word":"that's","start":1091.405,"end":1091.725,"confidence":0.99869895,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14850783348083496},{"word":"okay","start":1091.725,"end":1092.125,"confidence":0.9998149,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1634902060031891},{"word":"well","start":1092.125,"end":1092.445,"confidence":0.99625695,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.08751332759857178},{"word":"at","start":1092.445,"end":1092.605,"confidence":0.99966013,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07249908894300461},{"word":"the","start":1092.605,"end":1092.765,"confidence":0.99959713,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08456657826900482},{"word":"moment","start":1092.765,"end":1093.165,"confidence":0.96167517,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.0924597978591919},{"word":"if","start":1093.165,"end":1093.325,"confidence":0.99972886,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14458094537258148},{"word":"you're","start":1093.325,"end":1093.565,"confidence":0.99980175,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13260066509246826},{"word":"eligible","start":1093.565,"end":1094.065,"confidence":0.9998462,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.17553244531154633},{"word":"too","start":1094.125,"end":1094.625,"confidence":0.83357954,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":0.17526763677597046},{"word":"you","start":1094.765,"end":1094.9249,"confidence":0.99987304,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19332391023635864},{"word":"can","start":1094.9249,"end":1095.085,"confidence":0.9999503,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17865052819252014},{"word":"also","start":1095.085,"end":1095.485,"confidence":0.9997589,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15660452842712402},{"word":"apply","start":1095.485,"end":1095.725,"confidence":0.9999261,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.1527566909790039},{"word":"for","start":1095.725,"end":1095.885,"confidence":0.99904186,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1666550487279892},{"word":"the","start":1095.885,"end":1096.125,"confidence":0.99947566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14049124717712402},{"word":"age","start":1096.125,"end":1096.365,"confidence":0.96737224,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.10869564116001128},{"word":"pension","start":1096.365,"end":1096.765,"confidence":0.99923,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.12027625739574432},{"word":"at","start":1096.765,"end":1096.9249,"confidence":0.74153906,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11655331403017044},{"word":"age","start":1096.9249,"end":1097.165,"confidence":0.9831424,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.08606736361980438},{"word":"67","start":1097.165,"end":1097.8049,"confidence":0.99802417,"punctuated_word":"67.","sentiment":"neutral","sentiment_score":0.14305222034454346},{"word":"you","start":1097.8049,"end":1097.965,"confidence":0.9998653,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.15139056742191315},{"word":"can","start":1097.965,"end":1098.125,"confidence":0.99105096,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1578943431377411},{"word":"actually","start":1098.125,"end":1098.445,"confidence":0.9916289,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1792580783367157},{"word":"apply","start":1098.445,"end":1098.765,"confidence":0.9981192,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.14105305075645447},{"word":"thirteen","start":1098.765,"end":1099.165,"confidence":0.9942368,"punctuated_word":"thirteen","sentiment":"neutral","sentiment_score":0.15235476195812225},{"word":"weeks","start":1099.165,"end":1099.485,"confidence":0.99923265,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.1479677855968475},{"word":"out","start":1099.485,"end":1099.8049,"confidence":0.99438226,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18472106754779816},{"word":"from","start":1099.8049,"end":1099.965,"confidence":0.998591,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17174498736858368},{"word":"that","start":1099.965,"end":1100.465,"confidence":0.9998796,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1367371678352356},{"word":"would","start":1100.525,"end":1100.765,"confidence":0.9991928,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.13653087615966797},{"word":"you","start":1100.765,"end":1100.9249,"confidence":0.99989784,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12869687378406525},{"word":"like","start":1100.9249,"end":1101.165,"confidence":0.999915,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.12086888402700424},{"word":"me","start":1101.165,"end":1101.325,"confidence":0.99992216,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12645599246025083},{"word":"to","start":1101.325,"end":1101.485,"confidence":0.9997218,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1156834065914154},{"word":"work","start":1101.485,"end":1101.725,"confidence":0.99996805,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.09365065395832062},{"word":"on","start":1101.725,"end":1101.885,"confidence":0.99995625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07342123985290527},{"word":"i","start":1102.0449,"end":1102.205,"confidence":0.99901223,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12414494156837463},{"word":"can","start":1102.205,"end":1102.445,"confidence":0.999683,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10765361785888672},{"word":"look","start":1102.445,"end":1102.6849,"confidence":0.9997825,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09678466618061066},{"word":"at","start":1102.6849,"end":1102.765,"confidence":0.9693596,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0764695554971695},{"word":"what","start":1102.765,"end":1103.04,"confidence":0.99861443,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09742554277181624},{"word":"we","start":1103.12,"end":1103.4401,"confidence":0.9853817,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09332358837127686},{"word":"expect","start":1103.4401,"end":1103.68,"confidence":0.9748517,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.04566384106874466},{"word":"around","start":1103.68,"end":1104.0,"confidence":0.9938828,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0781106948852539},{"word":"age","start":1104.0,"end":1104.24,"confidence":0.99340904,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.05340713635087013},{"word":"65","start":1104.24,"end":1104.7201,"confidence":0.9819598,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":0.08276323229074478},{"word":"but","start":1104.7201,"end":1104.9601,"confidence":0.9984951,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08134472370147705},{"word":"then","start":1104.9601,"end":1105.12,"confidence":0.9994067,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1073302999138832},{"word":"i","start":1105.12,"end":1105.2001,"confidence":0.99855894,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1140969693660736},{"word":"can","start":1105.2001,"end":1105.36,"confidence":0.99978656,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11526364088058472},{"word":"also","start":1105.36,"end":1105.68,"confidence":0.9993844,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08226203918457031},{"word":"look","start":1105.68,"end":1105.8401,"confidence":0.99949634,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07429090142250061},{"word":"at","start":1105.8401,"end":1106.0,"confidence":0.999866,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0613982118666172},{"word":"age","start":1106.0,"end":1106.24,"confidence":0.9972989,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.05741195008158684},{"word":"67","start":1106.24,"end":1107.04,"confidence":0.996794,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.09247666597366332},{"word":"for","start":1107.04,"end":1107.28,"confidence":0.99987066,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08927753567695618},{"word":"you","start":1107.28,"end":1107.76,"confidence":0.9460517,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08605309575796127},{"word":"and","start":1107.76,"end":1107.92,"confidence":0.99928516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07225875556468964},{"word":"i","start":1107.92,"end":1108.0801,"confidence":0.9997882,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08867112547159195},{"word":"can","start":1108.0801,"end":1108.24,"confidence":0.9998222,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10256878286600112},{"word":"also","start":1108.24,"end":1108.56,"confidence":0.9985384,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08301287889480591},{"word":"look","start":1108.56,"end":1108.7201,"confidence":0.9968077,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0680970549583435},{"word":"to","start":1108.7201,"end":1108.88,"confidence":0.9870309,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07712854444980621},{"word":"maybe","start":1108.88,"end":1109.28,"confidence":0.8606051,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06348901987075806},{"word":"factor","start":1109.28,"end":1109.6001,"confidence":0.9790075,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.06900795549154282},{"word":"in","start":1109.6001,"end":1109.8401,"confidence":0.9949058,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07480615377426147},{"word":"because","start":1109.8401,"end":1110.16,"confidence":0.4028791,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05447385087609291},{"word":"you're","start":1110.16,"end":1110.48,"confidence":0.9971802,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05220939964056015},{"word":"already","start":1110.48,"end":1110.88,"confidence":0.99909616,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.0660015195608139},{"word":"60","start":1110.88,"end":1111.28,"confidence":0.82348144,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.06955275684595108},{"word":"we're","start":1111.28,"end":1111.4401,"confidence":0.99892217,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.03679760545492172},{"word":"only","start":1111.4401,"end":1111.68,"confidence":0.9981713,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.027060411870479584},{"word":"sort","start":1111.68,"end":1111.8401,"confidence":0.9779429,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.030380256474018097},{"word":"of","start":1111.8401,"end":1112.0,"confidence":0.99829096,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07963446527719498},{"word":"working","start":1112.0,"end":1112.16,"confidence":0.9995018,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.08295578509569168},{"word":"well","start":1112.3201,"end":1112.64,"confidence":0.9441316,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.14578551054000854},{"word":"even","start":1112.64,"end":1112.9601,"confidence":0.62302965,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.0915820524096489},{"word":"at","start":1112.9601,"end":1113.12,"confidence":0.59043795,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11867273598909378},{"word":"ten","start":1113.12,"end":1113.36,"confidence":0.5231819,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.1458996832370758},{"word":"year","start":1113.36,"end":1113.6001,"confidence":0.9982508,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.11741939187049866},{"word":"mark","start":1113.6001,"end":1114.1001,"confidence":0.80739355,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":0.12296076118946075},{"word":"i","start":1114.48,"end":1114.7201,"confidence":0.6529333,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12039254605770112},{"word":"can","start":1114.7201,"end":1114.9601,"confidence":0.99972576,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15052738785743713},{"word":"have","start":1114.9601,"end":1115.12,"confidence":0.9998042,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1501254439353943},{"word":"a","start":1115.12,"end":1115.2001,"confidence":0.9991835,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1381024420261383},{"word":"look","start":1115.2001,"end":1115.4401,"confidence":0.9999213,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08471629023551941},{"word":"at","start":1115.4401,"end":1115.6001,"confidence":0.99447745,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10548558086156844},{"word":"maybe","start":1115.6001,"end":1115.8401,"confidence":0.9379567,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.10755525529384612},{"word":"the","start":1115.8401,"end":1116.0,"confidence":0.9987658,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12345410883426666},{"word":"eligibility","start":1116.0,"end":1116.5,"confidence":0.9998005,"punctuated_word":"eligibility","sentiment":"neutral","sentiment_score":0.1569172441959381},{"word":"for","start":1116.795,"end":1117.035,"confidence":0.9899929,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1228531450033188},{"word":"age","start":1117.035,"end":1117.1951,"confidence":0.46546105,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.06043800339102745},{"word":"pension","start":1117.1951,"end":1117.5951,"confidence":0.99933714,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.09986793994903564},{"word":"there","start":1117.5951,"end":1117.8351,"confidence":0.9225058,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13940741121768951},{"word":"as","start":1117.8351,"end":1117.915,"confidence":0.9986395,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.124717578291893},{"word":"well","start":1117.915,"end":1118.235,"confidence":0.9999596,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.16251236200332642},{"word":"and","start":1118.235,"end":1118.395,"confidence":0.93054706,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10960081964731216},{"word":"see","start":1118.395,"end":1118.7151,"confidence":0.98340917,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.14339502155780792},{"word":"that","start":1118.7151,"end":1119.035,"confidence":0.9891431,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14556747674942017},{"word":"with","start":1119.035,"end":1119.275,"confidence":0.9098148,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16919107735157013},{"word":"your","start":1119.275,"end":1119.5951,"confidence":0.996994,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14825180172920227},{"word":"super","start":1119.5951,"end":1119.995,"confidence":0.7657653,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.20229914784431455},{"word":"what","start":1119.995,"end":1120.155,"confidence":0.9995427,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16700208187103271},{"word":"it","start":1120.155,"end":1120.3151,"confidence":0.998288,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14655375480651855},{"word":"might","start":1120.3151,"end":1120.555,"confidence":0.9998461,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1335071325302124},{"word":"look","start":1120.555,"end":1120.795,"confidence":0.99908173,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1096777319908142},{"word":"like","start":1120.795,"end":1121.035,"confidence":0.9986866,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.12387478351593018},{"word":"for","start":1121.035,"end":1121.275,"confidence":0.99977,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11593778431415558},{"word":"you","start":1121.275,"end":1121.775,"confidence":0.99978656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11830376088619232},{"word":"and","start":1122.155,"end":1122.395,"confidence":0.5576483,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10484038293361664},{"word":"how","start":1122.395,"end":1122.875,"confidence":0.98922336,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.12243688851594924},{"word":"sort","start":1122.875,"end":1123.115,"confidence":0.7464931,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1293593943119049},{"word":"of","start":1123.115,"end":1123.275,"confidence":0.96099675,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12402288615703584},{"word":"longevity","start":1123.275,"end":1123.775,"confidence":0.99836856,"punctuated_word":"longevity","sentiment":"neutral","sentiment_score":0.182568296790123},{"word":"wise","start":1123.995,"end":1124.235,"confidence":0.8721344,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.17664283514022827},{"word":"that","start":1124.235,"end":1124.555,"confidence":0.98825294,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20397593080997467},{"word":"might","start":1124.555,"end":1124.795,"confidence":0.99766564,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1640022099018097},{"word":"provide","start":1124.795,"end":1125.1951,"confidence":0.9954175,"punctuated_word":"provide.","sentiment":"neutral","sentiment_score":0.10284525156021118},{"word":"does","start":1125.1951,"end":1125.435,"confidence":0.9965,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.06996294856071472},{"word":"that","start":1125.435,"end":1125.935,"confidence":0.9999193,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11173781007528304},{"word":"sound","start":1126.235,"end":1126.555,"confidence":0.99896336,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.11325055360794067},{"word":"okay","start":1126.555,"end":1127.055,"confidence":0.99960184,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.12343670427799223},{"word":"yeah","start":1128.555,"end":1129.055,"confidence":0.9033452,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13346287608146667},{"word":"yep","start":1129.275,"end":1129.675,"confidence":0.9026469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2412491738796234},{"word":"perfect","start":1129.675,"end":1130.175,"confidence":0.9529542,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6037557125091553},{"word":"lovely","start":1132.76,"end":1133.26,"confidence":0.98128134,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.6016740798950195},{"word":"okay","start":1133.56,"end":1134.06,"confidence":0.9990405,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.37308287620544434},{"word":"i","start":1134.44,"end":1134.68,"confidence":0.9995473,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3431735038757324},{"word":"will","start":1134.68,"end":1135.16,"confidence":0.99989486,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3384786546230316},{"word":"add","start":1135.16,"end":1135.32,"confidence":0.9329575,"punctuated_word":"add","sentiment":"positive","sentiment_score":0.3619005978107453},{"word":"that","start":1135.32,"end":1135.48,"confidence":0.9998431,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3513164222240448},{"word":"into","start":1135.48,"end":1135.8,"confidence":0.99589074,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2655312418937683},{"word":"the","start":1135.8,"end":1135.88,"confidence":0.9896785,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2510494589805603},{"word":"list","start":1135.88,"end":1136.2,"confidence":0.99631715,"punctuated_word":"list","sentiment":"neutral","sentiment_score":0.3101976215839386},{"word":"of","start":1136.2,"end":1136.28,"confidence":0.99816364,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21383453905582428},{"word":"things","start":1136.28,"end":1136.6,"confidence":0.99897003,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.23384052515029907},{"word":"that's","start":1136.6,"end":1136.92,"confidence":0.9993522,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6238716840744019},{"word":"perfect","start":1136.92,"end":1137.42,"confidence":0.99974215,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6465704441070557},{"word":"i","start":1137.72,"end":1137.96,"confidence":0.7554315,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.36934930086135864},{"word":"will","start":1137.96,"end":1138.12,"confidence":0.9998908,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.37759169936180115},{"word":"look","start":1138.12,"end":1138.36,"confidence":0.9999106,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.360047310590744},{"word":"at","start":1138.36,"end":1138.44,"confidence":0.9995726,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4156245291233063},{"word":"that","start":1138.44,"end":1138.68,"confidence":0.9999542,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3942813277244568},{"word":"for","start":1138.68,"end":1138.92,"confidence":0.9998894,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29517316818237305},{"word":"you","start":1138.92,"end":1139.42,"confidence":0.99987626,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.23120158910751343},{"word":"now","start":1139.72,"end":1140.04,"confidence":0.99967945,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06414979696273804},{"word":"the","start":1140.04,"end":1140.2,"confidence":0.9970995,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050382040441036224},{"word":"other","start":1140.2,"end":1140.36,"confidence":0.9999169,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04191979020833969},{"word":"thing","start":1140.36,"end":1140.6,"confidence":0.9985403,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05267643928527832},{"word":"to","start":1140.6,"end":1140.76,"confidence":0.9875235,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04577238857746124},{"word":"sorta","start":1140.76,"end":1141.08,"confidence":0.861581,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.037179134786129},{"word":"consider","start":1141.08,"end":1141.48,"confidence":0.9986059,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.030479565262794495},{"word":"is","start":1141.48,"end":1141.64,"confidence":0.9931357,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0290105901658535},{"word":"i","start":1141.64,"end":1141.72,"confidence":0.50998884,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03596225753426552},{"word":"know","start":1141.72,"end":1141.88,"confidence":0.99922466,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.019649222493171692},{"word":"you're","start":1141.88,"end":1142.04,"confidence":0.99900675,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.008420480415225029},{"word":"not","start":1142.04,"end":1142.2,"confidence":0.99948275,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.005585692822933197},{"word":"really","start":1142.2,"end":1142.36,"confidence":0.9996942,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.002992518246173858},{"word":"sure","start":1142.36,"end":1142.6,"confidence":0.9996681,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.03486563637852669},{"word":"what","start":1142.6,"end":1142.84,"confidence":0.99976856,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.003393135964870453},{"word":"kinda","start":1142.84,"end":1143.08,"confidence":0.55601585,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.01018226519227028},{"word":"income","start":1143.08,"end":1143.48,"confidence":0.99889106,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.0051011741161346436},{"word":"you","start":1143.48,"end":1143.64,"confidence":0.99972063,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012475073337554932},{"word":"might","start":1143.64,"end":1143.88,"confidence":0.99992144,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.014774896204471588},{"word":"need","start":1143.88,"end":1144.335,"confidence":0.9075455,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":0.010506467893719671},{"word":"but","start":1144.335,"end":1144.575,"confidence":0.9979621,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0021512284874916077},{"word":"do","start":1144.575,"end":1144.735,"confidence":0.9978314,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02437767758965492},{"word":"you","start":1144.735,"end":1144.815,"confidence":0.99909997,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00030935555696487427},{"word":"know","start":1144.815,"end":1145.2949,"confidence":0.9998241,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.003747034817934036},{"word":"roughly","start":1145.2949,"end":1145.7949,"confidence":0.9330405,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.0041385553777217865},{"word":"what","start":1146.255,"end":1146.4149,"confidence":0.99574405,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0023312941193580627},{"word":"sort","start":1146.4149,"end":1146.575,"confidence":0.872519,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.009414702653884888},{"word":"of","start":1146.575,"end":1146.735,"confidence":0.8170336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00824253261089325},{"word":"income","start":1146.735,"end":1147.0549,"confidence":0.9965689,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.01960417628288269},{"word":"are","start":1147.0549,"end":1147.135,"confidence":0.97482294,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.00921514630317688},{"word":"you","start":1147.135,"end":1147.2949,"confidence":0.9995701,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009524598717689514},{"word":"on","start":1147.2949,"end":1147.455,"confidence":0.98128337,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.003653019666671753},{"word":"at","start":1147.455,"end":1147.5349,"confidence":0.9969958,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.004120763391256332},{"word":"the","start":1147.5349,"end":1147.695,"confidence":0.9989949,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02628765255212784},{"word":"moment","start":1147.695,"end":1148.095,"confidence":0.99748963,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.009708236902952194},{"word":"do","start":1148.095,"end":1148.255,"confidence":0.99977773,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.014237716794013975},{"word":"you","start":1148.255,"end":1148.335,"confidence":0.99985766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012176766991615295},{"word":"think","start":1148.335,"end":1148.495,"confidence":0.99969757,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.005025193095207214},{"word":"you","start":1148.495,"end":1148.6549,"confidence":0.9993405,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003700152039527893},{"word":"wanna","start":1148.6549,"end":1148.975,"confidence":0.9195412,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03317176178097725},{"word":"keep","start":1148.975,"end":1149.215,"confidence":0.99871266,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.03421588987112045},{"word":"a","start":1149.215,"end":1149.455,"confidence":0.9998275,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03633245825767517},{"word":"very","start":1149.455,"end":1149.695,"confidence":0.9999443,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.050157226622104645},{"word":"similar","start":1149.695,"end":1150.1749,"confidence":0.9998753,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.05702507495880127},{"word":"income","start":1150.1749,"end":1150.575,"confidence":0.98441494,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08083907514810562},{"word":"in","start":1150.575,"end":1150.735,"confidence":0.99932337,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.048506543040275574},{"word":"retirement","start":1150.735,"end":1151.235,"confidence":0.8693974,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.04842425882816315},{"word":"or","start":1151.455,"end":1151.955,"confidence":0.9996238,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.015287593007087708},{"word":"do","start":1152.095,"end":1152.255,"confidence":0.9997009,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.008018828928470612},{"word":"you","start":1152.255,"end":1152.4149,"confidence":0.99949217,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019332274794578552},{"word":"feel","start":1152.4149,"end":1152.6549,"confidence":0.9962774,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.017092615365982056},{"word":"like","start":1152.6549,"end":1152.815,"confidence":0.96531785,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0062974244356155396},{"word":"there's","start":1152.815,"end":1153.0549,"confidence":0.99211323,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.01728764735162258},{"word":"a","start":1153.0549,"end":1153.215,"confidence":0.97137254,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004763232544064522},{"word":"set","start":1153.215,"end":1153.5349,"confidence":0.9911952,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.00269143283367157},{"word":"amount","start":1153.5349,"end":1153.9349,"confidence":0.9834673,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.011654719710350037},{"word":"that","start":1153.9349,"end":1154.095,"confidence":0.99907863,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02857746183872223},{"word":"you","start":1154.095,"end":1154.255,"confidence":0.9998802,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0007953271269798279},{"word":"would","start":1154.255,"end":1154.4149,"confidence":0.9871474,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.019765816628932953},{"word":"wanna","start":1154.4149,"end":1154.6549,"confidence":0.9970741,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.032530780881643295},{"word":"cover","start":1154.6549,"end":1154.975,"confidence":0.99966395,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.013397276401519775},{"word":"for","start":1154.975,"end":1155.135,"confidence":0.998755,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.009311795234680176},{"word":"expenses","start":1155.135,"end":1155.615,"confidence":0.98623574,"punctuated_word":"expenses?","sentiment":"neutral","sentiment_score":0.008318193256855011},{"word":"i","start":1155.615,"end":1155.7749,"confidence":0.9794517,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06447947770357132},{"word":"know","start":1155.7749,"end":1156.015,"confidence":0.9985682,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.08410176634788513},{"word":"it's","start":1156.015,"end":1156.1749,"confidence":0.991354,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07377251237630844},{"word":"quite","start":1156.1749,"end":1156.4149,"confidence":0.9988944,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.10181409120559692},{"word":"hard","start":1156.4149,"end":1156.6549,"confidence":0.99897337,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.10299785435199738},{"word":"to","start":1156.6549,"end":1156.815,"confidence":0.9985001,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0904863104224205},{"word":"sort","start":1156.815,"end":1156.975,"confidence":0.9880091,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1033848449587822},{"word":"of","start":1156.975,"end":1157.37,"confidence":0.99575967,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0920359194278717},{"word":"think","start":1157.37,"end":1157.61,"confidence":0.99978536,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.08184860646724701},{"word":"about","start":1157.61,"end":1157.85,"confidence":0.9999076,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08203467726707458},{"word":"it","start":1157.85,"end":1158.01,"confidence":0.87024426,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.07361028343439102},{"word":"but","start":1158.01,"end":1158.25,"confidence":0.9979243,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01321512833237648},{"word":"did","start":1158.25,"end":1158.41,"confidence":0.99949336,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.019750501960515976},{"word":"you","start":1158.41,"end":1158.49,"confidence":0.99971825,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009309343993663788},{"word":"want","start":1158.49,"end":1158.65,"confidence":0.9997514,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0016208440065383911},{"word":"me","start":1158.65,"end":1158.8099,"confidence":0.99958867,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0030608847737312317},{"word":"to","start":1158.8099,"end":1158.89,"confidence":0.99963844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012408562004566193},{"word":"work","start":1158.89,"end":1159.13,"confidence":0.9998379,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.014274448156356812},{"word":"on","start":1159.13,"end":1159.29,"confidence":0.9997414,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01924668252468109},{"word":"your","start":1159.29,"end":1159.53,"confidence":0.9994673,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.004679564386606216},{"word":"current","start":1159.53,"end":1159.93,"confidence":0.9991358,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.008301794528961182},{"word":"income","start":1159.93,"end":1160.41,"confidence":0.99926585,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0156048983335495},{"word":"amount","start":1160.41,"end":1160.73,"confidence":0.9264602,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.010060310363769531},{"word":"for","start":1160.73,"end":1161.05,"confidence":0.97413254,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.01106993481516838},{"word":"you","start":1161.05,"end":1161.21,"confidence":0.9998393,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021024763584136963},{"word":"know","start":1161.21,"end":1161.53,"confidence":0.99956393,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.010382156819105148},{"word":"living","start":1161.53,"end":1161.85,"confidence":0.9986558,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.05825167894363403},{"word":"expenses","start":1161.85,"end":1162.35,"confidence":0.9996414,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.08032020926475525},{"word":"and","start":1162.49,"end":1162.65,"confidence":0.9955655,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0388176329433918},{"word":"rent","start":1162.65,"end":1162.89,"confidence":0.91405904,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.06066051870584488},{"word":"in","start":1162.89,"end":1163.13,"confidence":0.96691906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0399923212826252},{"word":"retirement","start":1163.13,"end":1163.63,"confidence":0.7725915,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.037329256534576416},{"word":"or","start":1163.69,"end":1163.93,"confidence":0.99911934,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.042817700654268265},{"word":"what's","start":1163.93,"end":1164.17,"confidence":0.9979031,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.03811749815940857},{"word":"your","start":1164.17,"end":1164.41,"confidence":0.99935156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006010957062244415},{"word":"thoughts","start":1164.41,"end":1164.73,"confidence":0.99126035,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.00372185930609703},{"word":"with","start":1164.73,"end":1164.89,"confidence":0.9912815,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0001060590147972107},{"word":"the","start":1164.89,"end":1165.05,"confidence":0.7548929,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0019634664058685303},{"word":"income","start":1165.05,"end":1165.55,"confidence":0.99906605,"punctuated_word":"income?","sentiment":"neutral","sentiment_score":0.010945899412035942},{"word":"yep","start":1175.545,"end":1176.045,"confidence":0.91905963,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.016838928684592247},{"word":"yeah","start":1184.52,"end":1185.02,"confidence":0.83191156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0035172998905181885},{"word":"yep","start":1185.24,"end":1185.74,"confidence":0.8296925,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0702987015247345},{"word":"that's","start":1187.0,"end":1187.4,"confidence":0.76453924,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15346230566501615},{"word":"okay","start":1187.4,"end":1187.9,"confidence":0.9996245,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.16833186149597168},{"word":"how","start":1188.04,"end":1188.28,"confidence":0.9963331,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.03426910191774368},{"word":"much","start":1188.28,"end":1188.52,"confidence":0.9999615,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.01682177186012268},{"word":"rent","start":1188.52,"end":1188.76,"confidence":0.999482,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.05469448119401932},{"word":"are","start":1188.76,"end":1188.92,"confidence":0.99705553,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01384599506855011},{"word":"you","start":1188.92,"end":1189.0801,"confidence":0.9996284,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03205452114343643},{"word":"paying","start":1189.0801,"end":1189.4,"confidence":0.9998215,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.02430277317762375},{"word":"at","start":1189.4,"end":1189.48,"confidence":0.9995751,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.014132419601082802},{"word":"the","start":1189.48,"end":1189.64,"confidence":0.9997867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028721606358885765},{"word":"moment","start":1189.64,"end":1190.04,"confidence":0.9999379,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.025335365906357765},{"word":"on","start":1190.04,"end":1190.12,"confidence":0.99981195,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.029396414756774902},{"word":"a","start":1190.12,"end":1190.28,"confidence":0.9998605,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04099089652299881},{"word":"weekly","start":1190.28,"end":1190.68,"confidence":0.9999479,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.020364167168736454},{"word":"basis","start":1190.68,"end":1191.18,"confidence":0.99959105,"punctuated_word":"basis?","sentiment":"neutral","sentiment_score":0.02866144478321075},{"word":"yep","start":1197.655,"end":1198.155,"confidence":0.7562177,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.020881786942481995},{"word":"yep","start":1201.175,"end":1201.675,"confidence":0.98867464,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01051401160657406},{"word":"okay","start":1204.295,"end":1204.795,"confidence":0.9989538,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.025897838175296783},{"word":"yeah","start":1216.4701,"end":1216.9701,"confidence":0.96251386,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14534391462802887},{"word":"okay","start":1218.8049,"end":1219.3049,"confidence":0.9473052,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.363980770111084},{"word":"perfect","start":1221.125,"end":1221.625,"confidence":0.9933934,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5689897537231445},{"word":"well","start":1221.6849,"end":1221.9249,"confidence":0.9979651,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.36185091733932495},{"word":"i","start":1221.9249,"end":1222.085,"confidence":0.99925536,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3933928012847901},{"word":"can","start":1222.085,"end":1222.325,"confidence":0.9899942,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3828960657119751},{"word":"just","start":1222.325,"end":1222.485,"confidence":0.9741019,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3906006813049317},{"word":"sort","start":1222.485,"end":1222.8049,"confidence":0.99226624,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4215242266654968},{"word":"of","start":1222.8049,"end":1223.0449,"confidence":0.9909629,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3893447816371918},{"word":"use","start":1223.0449,"end":1223.5249,"confidence":0.98555565,"punctuated_word":"use","sentiment":"positive","sentiment_score":0.3630011677742005},{"word":"this","start":1223.5249,"end":1223.7649,"confidence":0.76676434,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4658866822719574},{"word":"for","start":1223.7649,"end":1223.9249,"confidence":0.9717423,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3637528121471405},{"word":"the","start":1223.9249,"end":1224.1649,"confidence":0.99955684,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41721922159194946},{"word":"moment","start":1224.1649,"end":1224.6649,"confidence":0.99938905,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.3788619041442871},{"word":"what's","start":1225.125,"end":1225.445,"confidence":0.9112467,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.1532350480556488},{"word":"your","start":1225.445,"end":1225.945,"confidence":0.9996774,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13993026316165924},{"word":"gross","start":1226.085,"end":1226.565,"confidence":0.8676143,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.158397376537323},{"word":"or","start":1226.565,"end":1226.8849,"confidence":0.95029324,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1598958522081375},{"word":"your","start":1226.8849,"end":1227.125,"confidence":0.99844295,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1394677758216858},{"word":"take","start":1227.125,"end":1227.365,"confidence":0.9993199,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.14182430505752563},{"word":"home","start":1227.365,"end":1227.5249,"confidence":0.9991504,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.1331251561641693},{"word":"pay","start":1227.5249,"end":1227.7649,"confidence":0.9996087,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.17253556847572327},{"word":"at","start":1227.7649,"end":1227.845,"confidence":0.9982146,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1078094094991684},{"word":"the","start":1227.845,"end":1227.9249,"confidence":0.9997943,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1508980542421341},{"word":"moment","start":1227.9249,"end":1228.245,"confidence":0.9983323,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.1480950266122818},{"word":"what","start":1228.245,"end":1228.4049,"confidence":0.99987555,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.07126317173242569},{"word":"are","start":1228.4049,"end":1228.485,"confidence":0.9752467,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06425271928310394},{"word":"you","start":1228.485,"end":1228.6449,"confidence":0.9982474,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08053191006183624},{"word":"sort","start":1228.6449,"end":1228.8049,"confidence":0.99209267,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08725935965776443},{"word":"of","start":1228.8049,"end":1228.965,"confidence":0.6655366,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08281625062227249},{"word":"earning","start":1228.965,"end":1229.2849,"confidence":0.9994875,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.09110550582408904},{"word":"on","start":1229.2849,"end":1229.365,"confidence":0.9997813,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04884973168373108},{"word":"a","start":1229.365,"end":1229.5249,"confidence":0.9984717,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09699644148349762},{"word":"or","start":1229.6849,"end":1229.9249,"confidence":0.9114052,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08509404212236404},{"word":"on","start":1229.9249,"end":1230.085,"confidence":0.9638364,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09819920361042024},{"word":"a","start":1230.085,"end":1230.1649,"confidence":0.9996679,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12248177081346512},{"word":"weekly","start":1230.1649,"end":1230.565,"confidence":0.9998165,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.06595446914434433},{"word":"basis","start":1230.565,"end":1230.965,"confidence":0.9992919,"punctuated_word":"basis?","sentiment":"neutral","sentiment_score":0.08594375848770142},{"word":"do","start":1230.965,"end":1231.125,"confidence":0.999811,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.02774076536297798},{"word":"you","start":1231.125,"end":1231.205,"confidence":0.9998473,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04322882369160652},{"word":"know","start":1231.205,"end":1231.365,"confidence":0.9999502,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.03655873239040375},{"word":"what","start":1231.365,"end":1231.605,"confidence":0.99985445,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0514163076877594},{"word":"your","start":1231.605,"end":1231.7649,"confidence":0.9993992,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04709417000412941},{"word":"income","start":1231.7649,"end":1232.1649,"confidence":0.99990094,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.07460401207208633},{"word":"looks","start":1232.1649,"end":1232.4049,"confidence":0.99943644,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.024926604703068733},{"word":"like","start":1232.4049,"end":1232.9049,"confidence":0.9995179,"punctuated_word":"like?","sentiment":"neutral","sentiment_score":0.04647979140281677},{"word":"yep","start":1239.52,"end":1240.02,"confidence":0.9929699,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09896016120910645},{"word":"yep","start":1255.535,"end":1256.035,"confidence":0.7861247,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03286507725715637},{"word":"is","start":1259.79,"end":1259.9501,"confidence":0.7516073,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.021014370024204258},{"word":"that","start":1259.9501,"end":1260.1901,"confidence":0.99959546,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.027140626683831215},{"word":"your","start":1260.1901,"end":1260.43,"confidence":0.99480516,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016393044963479042},{"word":"take","start":1260.43,"end":1260.8301,"confidence":0.9494602,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.013011284172534944},{"word":"home","start":1260.8301,"end":1261.15,"confidence":0.87733144,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.014891304075717926},{"word":"pay","start":1261.15,"end":1261.47,"confidence":0.9695674,"punctuated_word":"pay?","sentiment":"neutral","sentiment_score":0.016523977741599083},{"word":"yep","start":1261.47,"end":1261.97,"confidence":0.7993807,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.025114666670560837},{"word":"so","start":1263.55,"end":1263.87,"confidence":0.95280004,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.027523383498191833},{"word":"1,500","start":1263.87,"end":1264.67,"confidence":0.9866903,"punctuated_word":"1,500","sentiment":"neutral","sentiment_score":0.03232210502028465},{"word":"to","start":1264.67,"end":1264.91,"confidence":0.99614316,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02542721666395664},{"word":"2,200","start":1264.91,"end":1265.89,"confidence":0.98869634,"punctuated_word":"2,200.","sentiment":"neutral","sentiment_score":0.03952711075544357},{"word":"on","start":1266.43,"end":1266.67,"confidence":0.69097364,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.030424823984503743},{"word":"the","start":1266.67,"end":1266.99,"confidence":0.9995109,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02721652574837208},{"word":"average","start":1266.99,"end":1267.49,"confidence":0.99972934,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.016495399177074432},{"word":"week","start":1267.55,"end":1268.03,"confidence":0.9922055,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.025225404649972916},{"word":"would","start":1268.03,"end":1268.27,"confidence":0.9993382,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.015054181218147278},{"word":"you","start":1268.27,"end":1268.43,"confidence":0.9995652,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.036300815641880035},{"word":"say","start":1268.43,"end":1268.67,"confidence":0.999403,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.03299915790557861},{"word":"your","start":1268.67,"end":1268.8301,"confidence":0.99337196,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.020094942301511765},{"word":"income's","start":1268.8301,"end":1269.31,"confidence":0.79458123,"punctuated_word":"income's","sentiment":"neutral","sentiment_score":0.02841788530349731},{"word":"more","start":1269.31,"end":1269.55,"confidence":0.99941194,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.007968232035636902},{"word":"towards","start":1269.55,"end":1269.87,"confidence":0.99826497,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.029610179364681244},{"word":"that","start":1269.87,"end":1270.11,"confidence":0.9740845,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04367245361208916},{"word":"1,500","start":1270.11,"end":1270.8301,"confidence":0.93753815,"punctuated_word":"1,500,","sentiment":"neutral","sentiment_score":0.03921341523528099},{"word":"or","start":1270.8301,"end":1270.99,"confidence":0.99848866,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.024646099656820297},{"word":"do","start":1270.99,"end":1271.15,"confidence":0.99875283,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.008119318634271622},{"word":"you","start":1271.15,"end":1271.31,"confidence":0.99915564,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03334454819560051},{"word":"think","start":1271.31,"end":1271.55,"confidence":0.99671113,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.022129271179437637},{"word":"you're","start":1271.55,"end":1271.79,"confidence":0.9381309,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02542131207883358},{"word":"up","start":1271.79,"end":1271.9501,"confidence":0.94896406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.026217572391033173},{"word":"around","start":1271.9501,"end":1272.1901,"confidence":0.9567926,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.03381102904677391},{"word":"that","start":1272.1901,"end":1272.405,"confidence":0.82927734,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04486830532550812},{"word":"2,200","start":1272.405,"end":1273.385,"confidence":0.99897504,"punctuated_word":"2,200","sentiment":"neutral","sentiment_score":0.0380336232483387},{"word":"more","start":1273.525,"end":1273.845,"confidence":0.9975253,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.026808537542819977},{"word":"regularly","start":1273.845,"end":1274.345,"confidence":0.9062865,"punctuated_word":"regularly?","sentiment":"neutral","sentiment_score":0.00819985382258892},{"word":"okay","start":1280.005,"end":1280.505,"confidence":0.9865379,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03764595091342926},{"word":"yep","start":1281.125,"end":1281.625,"confidence":0.98898137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08329242467880249},{"word":"yep","start":1281.925,"end":1282.3251,"confidence":0.9940692,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07466736435890198},{"word":"did","start":1282.3251,"end":1282.5651,"confidence":0.999393,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.03157849982380867},{"word":"you","start":1282.5651,"end":1283.0651,"confidence":0.99979013,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033039819449186325},{"word":"did","start":1283.605,"end":1283.845,"confidence":0.99421,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.0012172237038612366},{"word":"you","start":1283.845,"end":1284.0851,"confidence":0.99981683,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015325918793678284},{"word":"want","start":1284.0851,"end":1284.245,"confidence":0.99934536,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.010024115443229675},{"word":"me","start":1284.245,"end":1284.405,"confidence":0.99991524,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.01458660140633583},{"word":"to","start":1284.405,"end":1284.645,"confidence":0.99954236,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01905321702361107},{"word":"make","start":1284.645,"end":1285.045,"confidence":0.9999448,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.018833957612514496},{"word":"make","start":1285.045,"end":1285.285,"confidence":0.996088,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.02233964204788208},{"word":"it","start":1285.285,"end":1285.4451,"confidence":0.9268118,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.027454491704702377},{"word":"so","start":1285.4451,"end":1285.605,"confidence":0.8151222,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0167374350130558},{"word":"your","start":1285.605,"end":1285.845,"confidence":0.9957729,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02553608641028404},{"word":"take","start":1285.845,"end":1286.0851,"confidence":0.99766576,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.02260468155145645},{"word":"home","start":1286.0851,"end":1286.3251,"confidence":0.99864155,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.013310346752405168},{"word":"pay","start":1286.3251,"end":1286.645,"confidence":0.99865437,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.02570994570851326},{"word":"remains","start":1286.645,"end":1287.125,"confidence":0.99957854,"punctuated_word":"remains","sentiment":"neutral","sentiment_score":0.035356782376766205},{"word":"around","start":1287.125,"end":1287.365,"confidence":0.9997911,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.053342364728450775},{"word":"that","start":1287.365,"end":1287.66,"confidence":0.99922216,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04066037759184837},{"word":"$1,500","start":1287.74,"end":1288.78,"confidence":0.99866706,"punctuated_word":"$1,500","sentiment":"neutral","sentiment_score":0.0299360454082489},{"word":"mark","start":1288.78,"end":1289.1,"confidence":0.99900466,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":0.04190385714173317},{"word":"or","start":1289.1,"end":1289.42,"confidence":0.9911088,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.023249663412570953},{"word":"$1,800","start":1289.42,"end":1290.4601,"confidence":0.9849808,"punctuated_word":"$1,800?","sentiment":"neutral","sentiment_score":0.02043488621711731},{"word":"what","start":1290.4601,"end":1290.62,"confidence":0.9997334,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.015178456902503967},{"word":"would","start":1290.62,"end":1290.86,"confidence":0.9999591,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.00960734486579895},{"word":"you","start":1290.86,"end":1291.02,"confidence":0.9997156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015769358724355698},{"word":"sort","start":1291.02,"end":1291.26,"confidence":0.9819548,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.008994881063699722},{"word":"of","start":1291.26,"end":1291.3401,"confidence":0.9993954,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01168696954846382},{"word":"like","start":1291.3401,"end":1291.5801,"confidence":0.99636745,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.005870267748832703},{"word":"your","start":1291.5801,"end":1291.8201,"confidence":0.99727756,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.014985274523496628},{"word":"take","start":1291.8201,"end":1291.98,"confidence":0.99961734,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.012941285967826843},{"word":"home","start":1291.98,"end":1292.3,"confidence":0.9985708,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.01917317882180214},{"word":"pay","start":1292.3,"end":1292.54,"confidence":0.9991431,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.031808823347091675},{"word":"to","start":1292.54,"end":1292.7001,"confidence":0.99921644,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03038446605205536},{"word":"be","start":1292.7001,"end":1292.78,"confidence":0.9998518,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.027541492134332657},{"word":"on","start":1292.78,"end":1293.02,"confidence":0.9996656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.027033869177103043},{"word":"a","start":1293.02,"end":1293.3401,"confidence":0.99495727,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024080848321318623},{"word":"on","start":1293.3401,"end":1293.5,"confidence":0.9992003,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.019454877823591232},{"word":"a","start":1293.5,"end":1293.66,"confidence":0.9996389,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026877887547016144},{"word":"weekly","start":1293.66,"end":1294.14,"confidence":0.99986064,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.012220092117786407},{"word":"basis","start":1294.14,"end":1294.64,"confidence":0.9994041,"punctuated_word":"basis?","sentiment":"neutral","sentiment_score":0.017415568232536316},{"word":"fifteen","start":1299.02,"end":1299.52,"confidence":0.9663335,"punctuated_word":"Fifteen","sentiment":"neutral","sentiment_score":-0.0190802663564682},{"word":"100","start":1299.5801,"end":1300.0801,"confidence":0.9883111,"punctuated_word":"100?","sentiment":"neutral","sentiment_score":0.004832440987229347},{"word":"yep","start":1300.595,"end":1301.095,"confidence":0.950065,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07138822972774506},{"word":"perfect","start":1301.235,"end":1301.735,"confidence":0.96886,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3520814776420593},{"word":"so","start":1302.435,"end":1302.755,"confidence":0.99493426,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22508421540260315},{"word":"i'll","start":1302.755,"end":1302.915,"confidence":0.9998032,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2765970230102539},{"word":"keep","start":1302.915,"end":1303.155,"confidence":0.99946874,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2981460690498352},{"word":"your","start":1303.155,"end":1303.395,"confidence":0.9951692,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27819329500198364},{"word":"take","start":1303.395,"end":1303.635,"confidence":0.9977847,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.20000804960727692},{"word":"home","start":1303.635,"end":1303.875,"confidence":0.99792236,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.1819339245557785},{"word":"pay","start":1303.875,"end":1304.115,"confidence":0.98292416,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.22942587733268735},{"word":"at","start":1304.115,"end":1304.275,"confidence":0.99146605,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2443707287311554},{"word":"that","start":1304.275,"end":1304.515,"confidence":0.9954021,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2825744152069092},{"word":"$1,500","start":1304.515,"end":1305.475,"confidence":0.999372,"punctuated_word":"$1,500","sentiment":"neutral","sentiment_score":0.2355964481830597},{"word":"mark","start":1305.475,"end":1305.975,"confidence":0.9990762,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":0.2709190249443054},{"word":"now","start":1306.675,"end":1307.175,"confidence":0.8437627,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.17225244641304016},{"word":"with","start":1307.395,"end":1307.715,"confidence":0.9962095,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18544793128967285},{"word":"your","start":1307.715,"end":1308.215,"confidence":0.9997347,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1923435777425766},{"word":"contribution","start":1308.755,"end":1309.255,"confidence":0.59580076,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.1892807334661484},{"word":"so","start":1309.395,"end":1309.555,"confidence":0.9996239,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17079758644104004},{"word":"what","start":1309.555,"end":1309.715,"confidence":0.9997632,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1670546531677246},{"word":"we'll","start":1309.715,"end":1309.9551,"confidence":0.9963784,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1630491018295288},{"word":"essentially","start":1309.9551,"end":1310.435,"confidence":0.98380995,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.17451943457126615},{"word":"do","start":1310.435,"end":1310.595,"confidence":0.99957746,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15814903378486633},{"word":"with","start":1310.595,"end":1310.755,"confidence":0.99943346,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1587778925895691},{"word":"the","start":1310.755,"end":1310.8351,"confidence":0.9986143,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13579846918582916},{"word":"research","start":1310.8351,"end":1311.235,"confidence":0.9737119,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.12472447752952576},{"word":"is","start":1311.235,"end":1311.475,"confidence":0.9960271,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11143787205219267},{"word":"we","start":1311.475,"end":1311.635,"confidence":0.9878121,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15438833832740784},{"word":"have","start":1311.635,"end":1311.795,"confidence":0.9936557,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1548171043395996},{"word":"a","start":1311.795,"end":1311.875,"confidence":0.9970108,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1287003755569458},{"word":"look","start":1311.875,"end":1312.035,"confidence":0.99995255,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08475206792354584},{"word":"at","start":1312.035,"end":1312.1951,"confidence":0.99951124,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08983447402715683},{"word":"how","start":1312.1951,"end":1312.355,"confidence":0.99988854,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07568604499101639},{"word":"much","start":1312.355,"end":1312.515,"confidence":0.9999324,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1112123876810074},{"word":"we","start":1312.515,"end":1312.675,"confidence":0.9998412,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13329800963401794},{"word":"can","start":1312.675,"end":1312.915,"confidence":0.9996885,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1344919204711914},{"word":"transfer","start":1312.915,"end":1313.3151,"confidence":0.99958247,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.1295231729745865},{"word":"into","start":1313.3151,"end":1313.635,"confidence":0.9969561,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.12548206746578217},{"word":"the","start":1313.635,"end":1313.795,"confidence":0.9991805,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09703114628791808},{"word":"pension","start":1313.795,"end":1314.1951,"confidence":0.99909353,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.0967959463596344},{"word":"side","start":1314.1951,"end":1314.435,"confidence":0.9941871,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.09110256284475328},{"word":"of","start":1314.435,"end":1314.515,"confidence":0.99909496,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13969051837921145},{"word":"things","start":1314.515,"end":1315.015,"confidence":0.9960941,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.09653900563716888},{"word":"we","start":1315.24,"end":1315.3999,"confidence":0.99987626,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05437632650136947},{"word":"have","start":1315.3999,"end":1315.48,"confidence":0.9999175,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06323912739753723},{"word":"to","start":1315.48,"end":1315.5599,"confidence":0.9997433,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06564776599407196},{"word":"leave","start":1315.5599,"end":1315.96,"confidence":0.99908364,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.06221606954932213},{"word":"some","start":1315.96,"end":1316.12,"confidence":0.99453604,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.03359127417206764},{"word":"money","start":1316.12,"end":1316.5199,"confidence":0.9118036,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.06815128028392792},{"word":"generally","start":1316.5199,"end":1316.9199,"confidence":0.9970532,"punctuated_word":"Generally,","sentiment":"neutral","sentiment_score":0.03852377086877823},{"word":"it's","start":1316.9199,"end":1317.0,"confidence":0.99922013,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05209971219301224},{"word":"about","start":1317.0,"end":1317.32,"confidence":0.9991829,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05177103728055954},{"word":"10,000","start":1317.32,"end":1317.96,"confidence":0.9977012,"punctuated_word":"10,000.","sentiment":"neutral","sentiment_score":0.041226744651794434},{"word":"we","start":1317.96,"end":1318.2,"confidence":0.99947256,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.026858355849981308},{"word":"sometimes","start":1318.2,"end":1318.5199,"confidence":0.99441874,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.02598995342850685},{"word":"also","start":1318.5199,"end":1318.76,"confidence":0.9967372,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.016963720321655273},{"word":"have","start":1318.76,"end":1319.0,"confidence":0.99901366,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.032330673187971115},{"word":"to","start":1319.0,"end":1319.08,"confidence":0.999286,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01734093949198723},{"word":"leave","start":1319.08,"end":1319.24,"confidence":0.9988809,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.030773863196372982},{"word":"the","start":1319.24,"end":1319.3999,"confidence":0.9501606,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020412113517522812},{"word":"tax","start":1319.3999,"end":1319.72,"confidence":0.9990663,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.000902615487575531},{"word":"liability","start":1319.72,"end":1320.22,"confidence":0.9980489,"punctuated_word":"liability","sentiment":"neutral","sentiment_score":-0.011064421385526655},{"word":"there","start":1320.2799,"end":1320.6799,"confidence":0.8863795,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.02317357435822487},{"word":"so","start":1320.6799,"end":1321.08,"confidence":0.9996008,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03006415069103241},{"word":"we","start":1321.08,"end":1321.32,"confidence":0.99922574,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05259454622864723},{"word":"play","start":1321.32,"end":1321.5599,"confidence":0.99751294,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.04783438891172409},{"word":"around","start":1321.5599,"end":1321.7999,"confidence":0.9998981,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0451417937874794},{"word":"with","start":1321.7999,"end":1321.96,"confidence":0.99990404,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.055251359939575195},{"word":"how","start":1321.96,"end":1322.12,"confidence":0.9996984,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05080680921673775},{"word":"much","start":1322.12,"end":1322.2799,"confidence":0.9998528,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.049582917243242264},{"word":"we","start":1322.2799,"end":1322.44,"confidence":0.999894,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07219426333904266},{"word":"can","start":1322.44,"end":1322.6799,"confidence":0.9998122,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.058396466076374054},{"word":"move","start":1322.6799,"end":1322.9199,"confidence":0.9997439,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.05719933286309242},{"word":"into","start":1322.9199,"end":1323.08,"confidence":0.99606663,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04483823850750923},{"word":"pension","start":1323.08,"end":1323.3999,"confidence":0.99539423,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.028788365423679352},{"word":"and","start":1323.3999,"end":1323.5599,"confidence":0.6000563,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07069431245326996},{"word":"how","start":1323.5599,"end":1323.72,"confidence":0.9996209,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0630849152803421},{"word":"much","start":1323.72,"end":1323.96,"confidence":0.9993587,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06837981939315796},{"word":"we","start":1323.96,"end":1324.0399,"confidence":0.9776178,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09218904376029968},{"word":"leave","start":1324.0399,"end":1324.2799,"confidence":0.46042186,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.0530259795486927},{"word":"in","start":1324.2799,"end":1324.36,"confidence":0.9942485,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0856264978647232},{"word":"the","start":1324.36,"end":1324.6,"confidence":0.9920557,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09372565895318984},{"word":"accumulation","start":1324.6,"end":1325.1,"confidence":0.9894344,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.06705187261104584},{"word":"side","start":1325.32,"end":1325.64,"confidence":0.98074967,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.10741610825061798},{"word":"to","start":1325.64,"end":1325.72,"confidence":0.99843925,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10872228443622588},{"word":"keep","start":1325.72,"end":1325.88,"confidence":0.99960846,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.14698658883571625},{"word":"your","start":1325.88,"end":1326.12,"confidence":0.97695845,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17554399371147156},{"word":"super","start":1326.12,"end":1326.5199,"confidence":0.91357994,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1800273060798645},{"word":"open","start":1326.5199,"end":1326.84,"confidence":0.89467585,"punctuated_word":"open.","sentiment":"neutral","sentiment_score":0.14030426740646362},{"word":"because","start":1326.84,"end":1327.08,"confidence":0.56788987,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.14167353510856628},{"word":"you're","start":1327.08,"end":1327.32,"confidence":0.8304022,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2058512419462204},{"word":"still","start":1327.32,"end":1327.5599,"confidence":0.99956125,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2560696005821228},{"word":"working","start":1327.5599,"end":1327.88,"confidence":0.8204459,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.24652643501758575},{"word":"you","start":1327.88,"end":1328.0399,"confidence":0.99948776,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.17012721300125122},{"word":"want","start":1328.0399,"end":1328.2799,"confidence":0.99899715,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.20988008379936215},{"word":"those","start":1328.2799,"end":1328.44,"confidence":0.9974497,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.26162850856781006},{"word":"contributions","start":1328.44,"end":1328.94,"confidence":0.9995034,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.20185023546218872},{"word":"to","start":1329.08,"end":1329.24,"confidence":0.99963224,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2167068123817444},{"word":"be","start":1329.24,"end":1329.32,"confidence":0.9998324,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19046613574028015},{"word":"going","start":1329.32,"end":1329.5599,"confidence":0.9996735,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2806791365146637},{"word":"in","start":1329.5599,"end":1329.72,"confidence":0.8661246,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22950156033039093},{"word":"and","start":1329.72,"end":1329.88,"confidence":0.99527574,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19383171200752256},{"word":"being","start":1329.88,"end":1330.12,"confidence":0.97994137,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.22365081310272217},{"word":"invested","start":1330.12,"end":1330.62,"confidence":0.99754775,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.12442150712013245},{"word":"i'll","start":1331.375,"end":1331.535,"confidence":0.9968104,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11807598918676376},{"word":"look","start":1331.535,"end":1331.775,"confidence":0.9998043,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14167556166648865},{"word":"at","start":1331.775,"end":1332.015,"confidence":0.99982834,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12110057473182678},{"word":"your","start":1332.015,"end":1332.255,"confidence":0.999143,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1512419730424881},{"word":"take","start":1332.255,"end":1332.5751,"confidence":0.99467385,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.12367840111255646},{"word":"home","start":1332.5751,"end":1332.8151,"confidence":0.99523735,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.10485542565584184},{"word":"pay","start":1332.8151,"end":1333.055,"confidence":0.96215266,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.10451873391866684},{"word":"trying","start":1333.055,"end":1333.295,"confidence":0.65705967,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.1194355934858322},{"word":"to","start":1333.295,"end":1333.375,"confidence":0.99731207,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10511073470115662},{"word":"keep","start":1333.375,"end":1333.535,"confidence":0.9984931,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.12730807065963745},{"word":"that","start":1333.535,"end":1333.775,"confidence":0.9985128,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14904944598674774},{"word":"at","start":1333.775,"end":1333.935,"confidence":0.98450893,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10197710245847702},{"word":"1,500","start":1333.935,"end":1334.8351,"confidence":0.9992204,"punctuated_word":"1,500","sentiment":"neutral","sentiment_score":0.11164935678243636},{"word":"and","start":1335.135,"end":1335.295,"confidence":0.6847681,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11107993870973588},{"word":"then","start":1335.295,"end":1335.775,"confidence":0.9999114,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09481218457221983},{"word":"also","start":1335.775,"end":1336.255,"confidence":0.8989216,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07186532765626907},{"word":"look","start":1336.255,"end":1336.415,"confidence":0.9929463,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09934376180171968},{"word":"at","start":1336.415,"end":1336.5751,"confidence":0.98018205,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09717325121164322},{"word":"what","start":1336.5751,"end":1336.7351,"confidence":0.9998938,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11015857011079788},{"word":"we","start":1336.7351,"end":1336.895,"confidence":0.99982065,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11662420630455016},{"word":"can","start":1336.895,"end":1337.135,"confidence":0.9998084,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1166566014289856},{"word":"put","start":1337.135,"end":1337.295,"confidence":0.99985254,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08799156546592712},{"word":"in","start":1337.295,"end":1337.795,"confidence":0.99844277,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.08895675092935562},{"word":"so","start":1338.0951,"end":1338.5951,"confidence":0.9997918,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11692482233047484},{"word":"what","start":1339.4551,"end":1339.6151,"confidence":0.99799025,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18142825365066528},{"word":"we","start":1339.6151,"end":1339.8551,"confidence":0.999925,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.180746927857399},{"word":"put","start":1339.8551,"end":1340.015,"confidence":0.9920027,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.20498180389404297},{"word":"in","start":1340.015,"end":1340.255,"confidence":0.99969256,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2307046502828598},{"word":"will","start":1340.255,"end":1340.415,"confidence":0.9990538,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.21906837821006775},{"word":"always","start":1340.415,"end":1340.7351,"confidence":0.9998336,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.22506622970104215},{"word":"be","start":1340.7351,"end":1340.895,"confidence":0.9813433,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22784921526908877},{"word":"more","start":1340.895,"end":1341.055,"confidence":0.99991035,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.203482985496521},{"word":"than","start":1341.055,"end":1341.2151,"confidence":0.9997031,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.1809311807155609},{"word":"what","start":1341.2151,"end":1341.4551,"confidence":0.99898046,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18891890347003937},{"word":"we","start":1341.4551,"end":1341.6151,"confidence":0.99897313,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1819343864917755},{"word":"take","start":1341.6151,"end":1341.8551,"confidence":0.99930763,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.13253284990787506},{"word":"out","start":1341.8551,"end":1342.0951,"confidence":0.9961175,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11882015317678452},{"word":"because","start":1342.0951,"end":1342.415,"confidence":0.788546,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12931697070598602},{"word":"we're","start":1342.415,"end":1342.655,"confidence":0.9163114,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.220036119222641},{"word":"putting","start":1342.655,"end":1342.895,"confidence":0.9988752,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.24100448191165924},{"word":"more","start":1342.895,"end":1343.135,"confidence":0.9989247,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.23310445249080655},{"word":"money","start":1343.135,"end":1343.4551,"confidence":0.99992776,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2754518389701843},{"word":"in","start":1343.4551,"end":1343.6151,"confidence":0.99257493,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29233837127685547},{"word":"as","start":1343.6151,"end":1343.82,"confidence":0.34960607,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26712870597839355},{"word":"taxed","start":1343.82,"end":1344.0599,"confidence":0.74498117,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":0.3031229078769684},{"word":"at","start":1344.0599,"end":1344.22,"confidence":0.9587547,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22362932562828064},{"word":"a","start":1344.22,"end":1344.2999,"confidence":0.9515754,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21062874794006348},{"word":"lower","start":1344.2999,"end":1344.5399,"confidence":0.99959654,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.15779760479927063},{"word":"rate","start":1344.5399,"end":1344.7799,"confidence":0.9959015,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.2629796862602234},{"word":"than","start":1344.7799,"end":1345.0199,"confidence":0.9589499,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.23176759481430056},{"word":"our","start":1345.0199,"end":1345.1799,"confidence":0.9904434,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.26877471804618835},{"word":"marginal","start":1345.1799,"end":1345.5,"confidence":0.9990809,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":0.11477664858102798},{"word":"tax","start":1345.5,"end":1345.82,"confidence":0.9971938,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.2534465789794922},{"word":"rate","start":1345.82,"end":1346.0599,"confidence":0.9413613,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":0.2174719274044037},{"word":"and","start":1346.0599,"end":1346.22,"confidence":0.99983263,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18185056746006012},{"word":"we","start":1346.22,"end":1346.38,"confidence":0.9999323,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1879870742559433},{"word":"don't","start":1346.38,"end":1346.62,"confidence":0.999926,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.18235543370246887},{"word":"have","start":1346.62,"end":1346.86,"confidence":0.9998698,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1692095845937729},{"word":"to","start":1346.86,"end":1346.94,"confidence":0.99795085,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14379742741584778},{"word":"take","start":1346.94,"end":1347.2599,"confidence":0.99986494,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.12672120332717896},{"word":"as","start":1347.2599,"end":1347.5,"confidence":0.997965,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10068237781524658},{"word":"much","start":1347.5,"end":1347.82,"confidence":0.9999192,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07565627992153168},{"word":"out","start":1347.82,"end":1348.1399,"confidence":0.9966634,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.10427187383174896},{"word":"so","start":1348.1399,"end":1348.62,"confidence":0.9997465,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14226967096328735},{"word":"it's","start":1348.62,"end":1348.7799,"confidence":0.99041605,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.18454085290431976},{"word":"a","start":1348.7799,"end":1348.86,"confidence":0.9982322,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16115213930606842},{"word":"little","start":1348.86,"end":1349.0199,"confidence":0.9997961,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12522819638252258},{"word":"bit","start":1349.0199,"end":1349.1799,"confidence":0.99968004,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11395075172185898},{"word":"of","start":1349.1799,"end":1349.34,"confidence":0.9996407,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.148185133934021},{"word":"a","start":1349.34,"end":1349.4199,"confidence":0.97360367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1116836816072464},{"word":"juggling","start":1349.4199,"end":1349.74,"confidence":0.99881244,"punctuated_word":"juggling","sentiment":"neutral","sentiment_score":0.09552592039108276},{"word":"ask","start":1349.74,"end":1349.98,"confidence":0.6310853,"punctuated_word":"ask,","sentiment":"neutral","sentiment_score":0.09395626187324524},{"word":"but","start":1349.98,"end":1350.1399,"confidence":0.9957865,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13377931714057922},{"word":"we'll","start":1350.1399,"end":1350.38,"confidence":0.99955493,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.16579824686050415},{"word":"go","start":1350.38,"end":1350.5399,"confidence":0.9997266,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2451336681842804},{"word":"back","start":1350.5399,"end":1350.7,"confidence":0.9998716,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2241736501455307},{"word":"and","start":1350.7,"end":1350.86,"confidence":0.8814252,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21816439926624295},{"word":"do","start":1350.86,"end":1351.0199,"confidence":0.99926203,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24046742916107175},{"word":"the","start":1351.0199,"end":1351.1799,"confidence":0.9991934,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2486797571182251},{"word":"research","start":1351.1799,"end":1351.58,"confidence":0.9927308,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.20906582474708557},{"word":"for","start":1351.58,"end":1351.74,"confidence":0.9997689,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20086298882961273},{"word":"you","start":1351.74,"end":1351.98,"confidence":0.90496826,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.20109322667121887},{"word":"try","start":1351.98,"end":1352.1399,"confidence":0.9962547,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.220902681350708},{"word":"to","start":1352.1399,"end":1352.22,"confidence":0.9994081,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21951737999916077},{"word":"keep","start":1352.22,"end":1352.46,"confidence":0.9988808,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1998317986726761},{"word":"that","start":1352.46,"end":1352.62,"confidence":0.99600816,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.257811576128006},{"word":"take","start":1352.62,"end":1352.7799,"confidence":0.99735343,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.15973900258541107},{"word":"home","start":1352.7799,"end":1353.0199,"confidence":0.9960633,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.13457560539245603},{"word":"pay","start":1353.0199,"end":1353.2599,"confidence":0.9684751,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.16718053817749023},{"word":"around","start":1353.2599,"end":1353.5,"confidence":0.9959189,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.17779013514518738},{"word":"that","start":1353.5,"end":1353.6599,"confidence":0.99373734,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22059643268585205},{"word":"$1,500","start":1353.6599,"end":1354.7,"confidence":0.99746907,"punctuated_word":"$1,500","sentiment":"neutral","sentiment_score":0.15758773684501648},{"word":"mark","start":1354.7,"end":1354.94,"confidence":0.99950695,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":0.20330461859703064},{"word":"for","start":1354.94,"end":1355.1799,"confidence":0.9998969,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22444331645965576},{"word":"you","start":1355.1799,"end":1355.6599,"confidence":0.8048314,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2099456489086151},{"word":"and","start":1355.6599,"end":1355.82,"confidence":0.99887806,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19378423690795896},{"word":"look","start":1355.82,"end":1355.98,"confidence":0.9992269,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2189778983592987},{"word":"at","start":1355.98,"end":1356.1399,"confidence":0.9873259,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2026430070400238},{"word":"what","start":1356.1399,"end":1356.2999,"confidence":0.9999058,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2399757504463196},{"word":"we","start":1356.2999,"end":1356.38,"confidence":0.9999106,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23539647459983823},{"word":"can","start":1356.38,"end":1356.5399,"confidence":0.9999038,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2687121629714966},{"word":"put","start":1356.5399,"end":1356.7799,"confidence":0.99982244,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2819780707359314},{"word":"into","start":1356.7799,"end":1357.1,"confidence":0.85667247,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.28176939487457275},{"word":"super","start":1357.1,"end":1357.4199,"confidence":0.7608691,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.31495043635368347},{"word":"to","start":1357.4199,"end":1357.58,"confidence":0.9935464,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3516024351119995},{"word":"sort","start":1357.58,"end":1357.74,"confidence":0.9876329,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.28338491916656494},{"word":"of","start":1357.74,"end":1357.8999,"confidence":0.9738381,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2912636697292328},{"word":"provide","start":1357.8999,"end":1358.22,"confidence":0.99918276,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.28602343797683716},{"word":"that","start":1358.22,"end":1358.38,"confidence":0.99922514,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2723383903503418},{"word":"benefit","start":1358.38,"end":1358.88,"confidence":0.99886346,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.3093182444572449},{"word":"for","start":1358.94,"end":1359.1,"confidence":0.99954295,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2801993787288666},{"word":"you","start":1359.1,"end":1359.525,"confidence":0.9994075,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1929199993610382},{"word":"if","start":1359.925,"end":1360.165,"confidence":0.9831645,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.05978037044405937},{"word":"it","start":1360.165,"end":1360.245,"confidence":0.99913603,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05919801816344261},{"word":"comes","start":1360.245,"end":1360.645,"confidence":0.9912334,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.08452609181404114},{"word":"back","start":1360.645,"end":1360.885,"confidence":0.99838424,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.07980373501777649},{"word":"that","start":1360.885,"end":1361.125,"confidence":0.84233755,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1209355890750885},{"word":"say","start":1361.125,"end":1361.365,"confidence":0.4233783,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.13701677322387695},{"word":"that","start":1361.365,"end":1361.685,"confidence":0.96125436,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14292491972446442},{"word":"this","start":1361.685,"end":1361.925,"confidence":0.9703975,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2805531919002533},{"word":"strategy","start":1361.925,"end":1362.405,"confidence":0.99984586,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":-0.2338594496250153},{"word":"isn't","start":1362.405,"end":1362.725,"confidence":0.99980044,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.23188044130802157},{"word":"gonna","start":1362.725,"end":1362.965,"confidence":0.99902666,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2427113950252533},{"word":"be","start":1362.965,"end":1363.285,"confidence":0.9995585,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.23117659986019137},{"word":"as","start":1363.285,"end":1363.525,"confidence":0.9996946,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.25430241227149963},{"word":"effective","start":1363.525,"end":1364.005,"confidence":0.99716103,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":-0.16625729203224182},{"word":"for","start":1364.005,"end":1364.165,"confidence":0.9995229,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.18749120831489563},{"word":"you","start":1364.165,"end":1364.3251,"confidence":0.97879887,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.26301079988479614},{"word":"it's","start":1364.3251,"end":1364.485,"confidence":0.99732745,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.32318153977394104},{"word":"not","start":1364.485,"end":1364.645,"confidence":0.9998053,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.30289584398269653},{"word":"gonna","start":1364.645,"end":1364.885,"confidence":0.9984497,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.29324063658714294},{"word":"give","start":1364.885,"end":1365.125,"confidence":0.99912494,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.32426950335502625},{"word":"you","start":1365.125,"end":1365.285,"confidence":0.999691,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2883717119693756},{"word":"the","start":1365.285,"end":1365.4451,"confidence":0.9977192,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2406635284423828},{"word":"kind","start":1365.4451,"end":1365.605,"confidence":0.65553075,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.2745046019554138},{"word":"of","start":1365.605,"end":1365.765,"confidence":0.99000776,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.37296244502067566},{"word":"growth","start":1365.765,"end":1366.005,"confidence":0.99641526,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.13438770174980164},{"word":"that","start":1366.005,"end":1366.245,"confidence":0.99894375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19909824430942535},{"word":"we're","start":1366.245,"end":1366.485,"confidence":0.9956895,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.17937195301055908},{"word":"after","start":1366.485,"end":1366.985,"confidence":0.9256048,"punctuated_word":"after.","sentiment":"neutral","sentiment_score":-0.18035590648651123},{"word":"is","start":1367.605,"end":1367.845,"confidence":0.9748779,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.07149401307106018},{"word":"there","start":1367.845,"end":1367.9651,"confidence":0.9849331,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.05987754836678505},{"word":"as","start":1368.0851,"end":1368.245,"confidence":0.9993311,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07177639752626419},{"word":"an","start":1368.245,"end":1368.485,"confidence":0.9987319,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05205760523676872},{"word":"alternative","start":1368.485,"end":1368.985,"confidence":0.9980286,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.060564152896404266},{"word":"sort","start":1369.2051,"end":1369.365,"confidence":0.96176195,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0657799243927002},{"word":"of","start":1369.365,"end":1369.525,"confidence":0.9852042,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.046834856271743774},{"word":"strategy","start":1369.525,"end":1370.025,"confidence":0.99182963,"punctuated_word":"strategy,","sentiment":"neutral","sentiment_score":-0.032143883407115936},{"word":"are","start":1370.0851,"end":1370.245,"confidence":0.9958068,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03056558221578598},{"word":"you","start":1370.245,"end":1370.485,"confidence":0.9968291,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03060021996498108},{"word":"comfortable","start":1370.485,"end":1370.965,"confidence":0.9973055,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.03930511325597763},{"word":"putting","start":1370.965,"end":1371.465,"confidence":0.9911498,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.018567990511655807},{"word":"extra","start":1371.62,"end":1371.86,"confidence":0.97990465,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.0417318120598793},{"word":"money","start":1371.86,"end":1372.1001,"confidence":0.9995815,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.0031888261437416077},{"word":"into","start":1372.1001,"end":1372.5,"confidence":0.78053445,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.05035076662898064},{"word":"super","start":1372.5,"end":1372.9,"confidence":0.8675248,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":-0.008316239342093468},{"word":"do","start":1372.9,"end":1373.06,"confidence":0.9991316,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.03389851376414299},{"word":"you","start":1373.06,"end":1373.2201,"confidence":0.999616,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03623885661363602},{"word":"have","start":1373.2201,"end":1373.4601,"confidence":0.9996125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03958867862820625},{"word":"much","start":1373.4601,"end":1373.78,"confidence":0.99970776,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0403350405395031},{"word":"left","start":1373.78,"end":1374.02,"confidence":0.9938338,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.04661136493086815},{"word":"at","start":1374.02,"end":1374.18,"confidence":0.9994837,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06923885643482208},{"word":"the","start":1374.18,"end":1374.26,"confidence":0.99909186,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05495597422122955},{"word":"end","start":1374.26,"end":1374.42,"confidence":0.9999181,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.05514465644955635},{"word":"of","start":1374.42,"end":1374.5,"confidence":0.999406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05907588452100754},{"word":"the","start":1374.5,"end":1374.66,"confidence":0.9982919,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05307982116937637},{"word":"week","start":1374.66,"end":1374.8201,"confidence":0.8906075,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.05352559685707092},{"word":"or","start":1374.8201,"end":1375.06,"confidence":0.9996543,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07845132797956467},{"word":"is","start":1375.06,"end":1375.3,"confidence":0.9981369,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07209259271621704},{"word":"everything","start":1375.3,"end":1375.7001,"confidence":0.99920326,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.09350581467151642},{"word":"quite","start":1375.7001,"end":1376.1001,"confidence":0.9984478,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.12786880135536194},{"word":"tight","start":1376.1001,"end":1376.5,"confidence":0.9925479,"punctuated_word":"tight","sentiment":"neutral","sentiment_score":-0.06022198498249054},{"word":"expenditure","start":1376.5,"end":1377.0,"confidence":0.86881924,"punctuated_word":"expenditure","sentiment":"neutral","sentiment_score":-0.0732242614030838},{"word":"wise","start":1377.06,"end":1377.38,"confidence":0.99596655,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":-0.08895869553089142},{"word":"at","start":1377.38,"end":1377.54,"confidence":0.99469614,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1204848289489746},{"word":"the","start":1377.54,"end":1377.62,"confidence":0.99860686,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08838150650262833},{"word":"moment","start":1377.62,"end":1378.12,"confidence":0.99964833,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.06901738047599792},{"word":"yep","start":1385.4751,"end":1385.9751,"confidence":0.8522435,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09333986043930054},{"word":"oh","start":1389.795,"end":1390.275,"confidence":0.9236298,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.34374672174453735},{"word":"nice","start":1390.275,"end":1390.775,"confidence":0.99653876,"punctuated_word":"nice.","sentiment":"positive","sentiment_score":0.4136483669281006},{"word":"wow","start":1396.0499,"end":1396.5499,"confidence":0.94757706,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.2872316241264343},{"word":"yep","start":1401.1699,"end":1401.57,"confidence":0.9898498,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1251586377620697},{"word":"yep","start":1401.57,"end":1402.07,"confidence":0.9917383,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1529785841703415},{"word":"yeah","start":1406.37,"end":1406.87,"confidence":0.995149,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21636873483657837},{"word":"yeah","start":1411.985,"end":1412.485,"confidence":0.9886683,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2074877172708511},{"word":"perfect","start":1412.945,"end":1413.445,"confidence":0.98257506,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6486407518386841},{"word":"that","start":1413.825,"end":1414.145,"confidence":0.95958287,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.6660723090171814},{"word":"sounds","start":1414.145,"end":1414.625,"confidence":0.96170217,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.7054294943809509},{"word":"great","start":1414.625,"end":1415.125,"confidence":0.9954662,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6568442583084106},{"word":"yep","start":1418.145,"end":1418.645,"confidence":0.84698796,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06919635832309723},{"word":"yep","start":1427.12,"end":1427.44,"confidence":0.92155,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10517062246799468},{"word":"yeah","start":1427.44,"end":1427.84,"confidence":0.97963655,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22710442543029785},{"word":"perfect","start":1427.84,"end":1428.34,"confidence":0.9948931,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.05319366604089737},{"word":"if","start":1430.48,"end":1430.88,"confidence":0.9859503,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.08759337663650513},{"word":"if","start":1430.88,"end":1431.12,"confidence":0.9928398,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10114817321300508},{"word":"that","start":1431.12,"end":1431.36,"confidence":0.981323,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.144583597779274},{"word":"ttr","start":1431.36,"end":1431.86,"confidence":0.9222608,"punctuated_word":"TTR","sentiment":"neutral","sentiment_score":-0.0732189416885376},{"word":"strategy","start":1432.105,"end":1432.4249,"confidence":0.9970336,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":-0.0984404981136322},{"word":"was","start":1432.4249,"end":1432.6649,"confidence":0.9994085,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.134741872549057},{"word":"not","start":1432.6649,"end":1432.825,"confidence":0.99993634,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16778990626335144},{"word":"really","start":1432.825,"end":1432.985,"confidence":0.9998919,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.13817556202411652},{"word":"gonna","start":1432.985,"end":1433.225,"confidence":0.9988978,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.19232827425003052},{"word":"provide","start":1433.225,"end":1433.5449,"confidence":0.9991091,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.069136843085289},{"word":"the","start":1433.5449,"end":1433.705,"confidence":0.96848136,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09937259554862976},{"word":"greater","start":1433.705,"end":1434.0249,"confidence":0.987329,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":-0.05184055119752884},{"word":"benefit","start":1434.0249,"end":1434.505,"confidence":0.9981635,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.03036481142044067},{"word":"and","start":1434.505,"end":1434.6649,"confidence":0.7776286,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14276541769504547},{"word":"we","start":1434.6649,"end":1434.745,"confidence":0.9999169,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06988606601953506},{"word":"just","start":1434.745,"end":1434.985,"confidence":0.99986565,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0548347681760788},{"word":"wanted","start":1434.985,"end":1435.225,"confidence":0.9994319,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.041459113359451294},{"word":"to","start":1435.225,"end":1435.3049,"confidence":0.999634,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.055895112454891205},{"word":"look","start":1435.3049,"end":1435.5449,"confidence":0.9998549,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0469624437391758},{"word":"at","start":1435.5449,"end":1435.705,"confidence":0.9995276,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06161973252892494},{"word":"maybe","start":1435.705,"end":1436.0249,"confidence":0.9271193,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.06717652082443237},{"word":"some","start":1436.0249,"end":1436.1849,"confidence":0.99849105,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.045973047614097595},{"word":"salary","start":1436.1849,"end":1436.6649,"confidence":0.997512,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.03635165095329285},{"word":"sacrifice","start":1436.6649,"end":1437.1649,"confidence":0.99510634,"punctuated_word":"sacrifice,","sentiment":"neutral","sentiment_score":-0.05631304904818535},{"word":"would","start":1437.225,"end":1437.3849,"confidence":0.9997304,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0819803923368454},{"word":"you","start":1437.3849,"end":1437.5449,"confidence":0.9998272,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08744616061449051},{"word":"be","start":1437.5449,"end":1437.7849,"confidence":0.9995129,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08513861894607544},{"word":"comfortable","start":1437.7849,"end":1438.2649,"confidence":0.99981207,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.04599713534116745},{"word":"with","start":1438.2649,"end":1438.4249,"confidence":0.9998872,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.026416093111038208},{"word":"me","start":1438.4249,"end":1438.6649,"confidence":0.9992279,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0035257339477539062},{"word":"putting","start":1438.6649,"end":1438.985,"confidence":0.95796716,"punctuated_word":"putting,","sentiment":"neutral","sentiment_score":-0.0498805046081543},{"word":"say","start":1438.985,"end":1439.3049,"confidence":0.9959539,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.0177629254758358},{"word":"50","start":1439.3049,"end":1439.625,"confidence":0.99926096,"punctuated_word":"50","sentiment":"neutral","sentiment_score":-0.017092421650886536},{"word":"or","start":1439.625,"end":1439.7849,"confidence":0.9916015,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04379569739103317},{"word":"$100","start":1439.7849,"end":1440.505,"confidence":0.99870443,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":-0.016332462430000305},{"word":"in","start":1440.505,"end":1440.6649,"confidence":0.99276125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.006206944584846497},{"word":"on","start":1440.6649,"end":1440.745,"confidence":0.9964424,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02130031585693359},{"word":"a","start":1440.745,"end":1440.825,"confidence":0.9976802,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.036390289664268494},{"word":"fortnightly","start":1440.825,"end":1441.325,"confidence":0.99852985,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":-0.026693155989050865},{"word":"basis","start":1441.465,"end":1441.7849,"confidence":0.9835328,"punctuated_word":"basis?","sentiment":"neutral","sentiment_score":-0.003278180956840515},{"word":"i","start":1441.7849,"end":1441.865,"confidence":0.9890454,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03876147419214249},{"word":"know","start":1441.865,"end":1442.105,"confidence":0.99961734,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.01673528552055359},{"word":"it","start":1442.105,"end":1442.1849,"confidence":0.9945615,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.026555471122264866},{"word":"does","start":1442.1849,"end":1442.4249,"confidence":0.99895895,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.012078553438186646},{"word":"reduce","start":1442.4249,"end":1442.745,"confidence":0.9682064,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.012671425938606262},{"word":"your","start":1442.745,"end":1442.9049,"confidence":0.92676306,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.020800761878490448},{"word":"take","start":1442.9049,"end":1443.1449,"confidence":0.9982982,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.04358292371034622},{"word":"home","start":1443.1449,"end":1443.3849,"confidence":0.99663854,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.03620704263448715},{"word":"pay","start":1443.3849,"end":1443.8849,"confidence":0.85098296,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":-0.05592953786253929},{"word":"but","start":1444.0399,"end":1444.2799,"confidence":0.99966383,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03493032604455948},{"word":"would","start":1444.2799,"end":1444.44,"confidence":0.99884593,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.02413276582956314},{"word":"that","start":1444.44,"end":1444.6799,"confidence":0.99997663,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07096350193023682},{"word":"still","start":1444.6799,"end":1444.9199,"confidence":0.99971896,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03759795427322388},{"word":"allow","start":1444.9199,"end":1445.24,"confidence":0.99950504,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.0737285166978836},{"word":"you","start":1445.24,"end":1445.3999,"confidence":0.99985075,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08863069117069244},{"word":"to","start":1445.3999,"end":1445.5599,"confidence":0.99962676,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06663697212934494},{"word":"be","start":1445.5599,"end":1445.72,"confidence":0.9961623,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04808671027421951},{"word":"able","start":1445.72,"end":1445.88,"confidence":0.9826188,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.09262984991073608},{"word":"to","start":1445.88,"end":1445.96,"confidence":0.998492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07173391431570053},{"word":"put","start":1445.96,"end":1446.2799,"confidence":0.9996227,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.07914633303880692},{"word":"savings","start":1446.2799,"end":1446.6799,"confidence":0.998845,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.027363911271095276},{"word":"away","start":1446.6799,"end":1447.08,"confidence":0.9157152,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.03019597753882408},{"word":"or","start":1447.08,"end":1447.24,"confidence":0.9998153,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.026321321725845337},{"word":"do","start":1447.24,"end":1447.3999,"confidence":0.9998938,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.025182675570249557},{"word":"you","start":1447.3999,"end":1447.5599,"confidence":0.99992764,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0007983222603797913},{"word":"think","start":1447.5599,"end":1447.7999,"confidence":0.99972135,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.004670232534408569},{"word":"you'd","start":1447.7999,"end":1448.12,"confidence":0.9991871,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.008571779355406761},{"word":"only","start":1448.12,"end":1448.44,"confidence":0.99987507,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.01326587051153183},{"word":"wanna","start":1448.44,"end":1448.76,"confidence":0.9970258,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08106888085603714},{"word":"make","start":1448.76,"end":1448.9199,"confidence":0.99950683,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05674508959054947},{"word":"those","start":1448.9199,"end":1449.24,"confidence":0.99917006,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07446640729904175},{"word":"contributions","start":1449.24,"end":1449.74,"confidence":0.9996866,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.09470190107822418},{"word":"if","start":1450.36,"end":1450.52,"confidence":0.9960581,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05914529412984848},{"word":"we","start":1450.52,"end":1450.6799,"confidence":0.9998548,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11656296253204346},{"word":"could","start":1450.6799,"end":1450.9199,"confidence":0.9997483,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.18661655485630035},{"word":"make","start":1450.9199,"end":1451.1599,"confidence":0.99980766,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1957196742296219},{"word":"that","start":1451.1599,"end":1451.48,"confidence":0.99966705,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22651749849319455},{"word":"extra","start":1451.48,"end":1451.88,"confidence":0.9997689,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.18671271204948425},{"word":"strategy","start":1451.88,"end":1452.36,"confidence":0.999907,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.14488428831100464},{"word":"work","start":1452.36,"end":1452.6799,"confidence":0.9964843,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.24780970811843872},{"word":"for","start":1452.6799,"end":1452.84,"confidence":0.9999033,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16337352991104126},{"word":"you","start":1452.84,"end":1453.08,"confidence":0.99990976,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08735452592372894},{"word":"so","start":1453.08,"end":1453.24,"confidence":0.8810309,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08361586928367615},{"word":"you","start":1453.24,"end":1453.3999,"confidence":0.999705,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1201300173997879},{"word":"keep","start":1453.3999,"end":1453.64,"confidence":0.9949072,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.12851542234420776},{"word":"your","start":1453.64,"end":1453.88,"confidence":0.9785785,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1005525141954422},{"word":"take","start":1453.88,"end":1454.12,"confidence":0.99892944,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.07644190639257431},{"word":"home","start":1454.12,"end":1454.36,"confidence":0.9967874,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.025521188974380493},{"word":"pay","start":1454.36,"end":1454.6,"confidence":0.99732554,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.05334611237049103},{"word":"the","start":1454.6,"end":1454.76,"confidence":0.99615026,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08292696624994278},{"word":"same","start":1454.76,"end":1455.08,"confidence":0.9905448,"punctuated_word":"same?","sentiment":"neutral","sentiment_score":0.039888255298137665},{"word":"what's","start":1455.08,"end":1455.3999,"confidence":0.92379165,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.0007699417765252292},{"word":"kind","start":1455.3999,"end":1455.64,"confidence":0.9852873,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01375000923871994},{"word":"of","start":1455.64,"end":1455.7999,"confidence":0.9971052,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.003467172384262085},{"word":"more","start":1455.7999,"end":1455.96,"confidence":0.9992687,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.021994151175022125},{"word":"preferable","start":1455.96,"end":1456.46,"confidence":0.9995747,"punctuated_word":"preferable","sentiment":"neutral","sentiment_score":0.06315432488918304},{"word":"for","start":1456.6,"end":1456.76,"confidence":0.9939249,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05752061307430267},{"word":"you","start":1456.76,"end":1457.26,"confidence":0.998559,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.03550388664007187},{"word":"not","start":1465.685,"end":1465.925,"confidence":0.9822574,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.11631977558135986},{"word":"sure","start":1465.925,"end":1466.425,"confidence":0.9554597,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.17621120810508728},{"word":"yep","start":1468.485,"end":1468.985,"confidence":0.99556017,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.038995616137981415},{"word":"yep","start":1473.62,"end":1474.12,"confidence":0.9942775,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.012437479570508003},{"word":"do","start":1477.38,"end":1477.62,"confidence":0.9918285,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.05210890620946884},{"word":"you","start":1477.62,"end":1477.7001,"confidence":0.99989605,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013339564204216003},{"word":"want","start":1477.7001,"end":1477.86,"confidence":0.9998869,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.005159661173820496},{"word":"me","start":1477.86,"end":1478.1001,"confidence":0.9998541,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03002706915140152},{"word":"to","start":1478.1001,"end":1478.18,"confidence":0.998858,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05726061761379242},{"word":"make","start":1478.18,"end":1478.42,"confidence":0.9998764,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.02342572808265686},{"word":"it","start":1478.42,"end":1478.5801,"confidence":0.9846987,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.026930898427963257},{"word":"something","start":1478.5801,"end":1478.9,"confidence":0.9998103,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.00018703192472457888},{"word":"minimal","start":1478.9,"end":1479.38,"confidence":0.8094887,"punctuated_word":"minimal,","sentiment":"neutral","sentiment_score":-0.026440318673849102},{"word":"like","start":1479.38,"end":1479.62,"confidence":0.99990475,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.003987304866313934},{"word":"$50","start":1479.62,"end":1480.26,"confidence":0.87028754,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.0029287412762641907},{"word":"a","start":1480.26,"end":1480.3401,"confidence":0.99937516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004379384219646454},{"word":"week","start":1480.3401,"end":1480.5801,"confidence":0.9999409,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.00772172212600708},{"word":"or","start":1480.5801,"end":1480.74,"confidence":0.9857777,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.003703773021697998},{"word":"$50","start":1480.74,"end":1481.3,"confidence":0.99976236,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":-0.022657886147499084},{"word":"a","start":1481.3,"end":1481.4601,"confidence":0.9950748,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01179160550236702},{"word":"fortnight","start":1481.4601,"end":1481.86,"confidence":0.999433,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":-0.009833544492721558},{"word":"to","start":1481.86,"end":1482.1001,"confidence":0.99381495,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0024597495794296265},{"word":"start","start":1482.1001,"end":1482.3401,"confidence":0.9996892,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.004247166216373444},{"word":"with","start":1482.3401,"end":1482.66,"confidence":0.98955613,"punctuated_word":"with?","sentiment":"neutral","sentiment_score":-0.004493214190006256},{"word":"we","start":1482.66,"end":1482.8201,"confidence":0.9994723,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.11008407920598984},{"word":"can","start":1482.8201,"end":1482.9801,"confidence":0.99992466,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19379079341888428},{"word":"always","start":1482.9801,"end":1483.38,"confidence":0.99965346,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.20885121822357175},{"word":"then","start":1483.38,"end":1483.62,"confidence":0.97402644,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19391247630119324},{"word":"boost","start":1483.62,"end":1483.86,"confidence":0.99374557,"punctuated_word":"boost","sentiment":"neutral","sentiment_score":0.21860891580581665},{"word":"it","start":1483.86,"end":1484.1001,"confidence":0.9953864,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2208169400691986},{"word":"up","start":1484.1001,"end":1484.26,"confidence":0.9922935,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.25935500860214233},{"word":"later","start":1484.26,"end":1484.5801,"confidence":0.98165005,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.25288599729537964},{"word":"down","start":1484.5801,"end":1484.8201,"confidence":0.9984315,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.24268610775470736},{"word":"the","start":1484.8201,"end":1484.9801,"confidence":0.9982705,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23123972117900848},{"word":"track","start":1484.9801,"end":1485.315,"confidence":0.9449555,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.19652405381202695},{"word":"and","start":1485.6349,"end":1485.7949,"confidence":0.9958003,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1345427632331848},{"word":"keeping","start":1485.7949,"end":1486.195,"confidence":0.9855274,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.15541255474090576},{"word":"in","start":1486.195,"end":1486.2749,"confidence":0.9992373,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1634025275707245},{"word":"mind","start":1486.2749,"end":1486.5149,"confidence":0.95761496,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.2276812642812729},{"word":"this","start":1486.5149,"end":1486.7549,"confidence":0.9998667,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2007141411304474},{"word":"is","start":1486.7549,"end":1486.995,"confidence":0.99870396,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1794935166835785},{"word":"only","start":1486.995,"end":1487.315,"confidence":0.99953794,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.1596657633781433},{"word":"as","start":1487.315,"end":1487.5549,"confidence":0.99609935,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11053608357906342},{"word":"an","start":1487.5549,"end":1487.7949,"confidence":0.99624723,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13569150865077972},{"word":"alternative","start":1487.7949,"end":1488.2949,"confidence":0.8257874,"punctuated_word":"alternative,","sentiment":"neutral","sentiment_score":0.11311429738998412},{"word":"so","start":1488.4349,"end":1488.7549,"confidence":0.99952734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13088613748550415},{"word":"i'll","start":1488.7549,"end":1488.995,"confidence":0.9970206,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.21669533848762512},{"word":"always","start":1488.995,"end":1489.315,"confidence":0.9994475,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2002779245376587},{"word":"go","start":1489.315,"end":1489.475,"confidence":0.9995301,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.259604811668396},{"word":"back","start":1489.475,"end":1489.6349,"confidence":0.9999093,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.27019691467285156},{"word":"and","start":1489.6349,"end":1489.7949,"confidence":0.99187076,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20701974630355835},{"word":"wanna","start":1489.7949,"end":1490.115,"confidence":0.99667126,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.28600841760635376},{"word":"look","start":1490.115,"end":1490.2749,"confidence":0.9995171,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.22755476832389832},{"word":"at","start":1490.2749,"end":1490.355,"confidence":0.9996445,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24978458881378177},{"word":"that","start":1490.355,"end":1490.855,"confidence":0.9996253,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2744741141796112},{"word":"transition","start":1491.1549,"end":1491.6549,"confidence":0.86389357,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.22172251343727112},{"word":"strategy","start":1491.715,"end":1492.195,"confidence":0.9987179,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.2009945660829544},{"word":"first","start":1492.195,"end":1492.5149,"confidence":0.9783241,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.2202039361000061},{"word":"to","start":1492.5149,"end":1492.595,"confidence":0.9919001,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21784645318984985},{"word":"see","start":1492.595,"end":1492.7549,"confidence":0.9999665,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.20473700761795044},{"word":"if","start":1492.7549,"end":1492.9149,"confidence":0.999861,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24333855509757996},{"word":"we","start":1492.9149,"end":1492.995,"confidence":0.999688,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24288925528526303},{"word":"can","start":1492.995,"end":1493.1549,"confidence":0.99985576,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2828316390514374},{"word":"really","start":1493.1549,"end":1493.475,"confidence":0.9997191,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.22996222972869873},{"word":"get","start":1493.475,"end":1493.6349,"confidence":0.9995515,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.29084330797195435},{"word":"the","start":1493.6349,"end":1493.7949,"confidence":0.998606,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2912730574607849},{"word":"ball","start":1493.7949,"end":1494.0349,"confidence":0.9391238,"punctuated_word":"ball","sentiment":"positive","sentiment_score":0.37837594747543335},{"word":"rolling","start":1494.0349,"end":1494.5149,"confidence":0.99992037,"punctuated_word":"rolling","sentiment":"positive","sentiment_score":0.34996604919433594},{"word":"for","start":1494.5149,"end":1494.595,"confidence":0.99862266,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2869075536727905},{"word":"you","start":1494.595,"end":1494.835,"confidence":0.9995486,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1762155294418335},{"word":"and","start":1494.835,"end":1494.9149,"confidence":0.9072514,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2276553064584732},{"word":"what","start":1494.9149,"end":1495.075,"confidence":0.9995962,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22939848899841309},{"word":"we","start":1495.075,"end":1495.235,"confidence":0.99892884,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18137864768505096},{"word":"can","start":1495.235,"end":1495.3949,"confidence":0.9995921,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2417992353439331},{"word":"do","start":1495.3949,"end":1495.5549,"confidence":0.99964595,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1932748705148697},{"word":"there","start":1495.5549,"end":1496.0549,"confidence":0.9982885,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0980665162205696},{"word":"this","start":1496.195,"end":1496.4349,"confidence":0.9994661,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.025404438376426697},{"word":"is","start":1496.4349,"end":1496.595,"confidence":0.9993112,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.030463606119155884},{"word":"more","start":1496.595,"end":1496.835,"confidence":0.9994454,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.01382853090763092},{"word":"just","start":1496.835,"end":1497.075,"confidence":0.9939049,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05573403090238571},{"word":"if","start":1497.075,"end":1497.235,"confidence":0.8063968,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.041555240750312805},{"word":"that's","start":1497.235,"end":1497.5549,"confidence":0.99963534,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.00010488431144040078},{"word":"not","start":1497.5549,"end":1497.715,"confidence":0.99891317,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.006242141127586365},{"word":"gonna","start":1497.715,"end":1498.0349,"confidence":0.9956103,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.005473151803016663},{"word":"provide","start":1498.0349,"end":1498.355,"confidence":0.99653167,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.06061592698097229},{"word":"a","start":1498.355,"end":1498.4349,"confidence":0.9976295,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015956111252307892},{"word":"greater","start":1498.4349,"end":1498.7549,"confidence":0.9967244,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.012505292892456056},{"word":"benefit","start":1498.7549,"end":1499.2549,"confidence":0.99877864,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.14273956418037417},{"word":"as","start":1499.315,"end":1499.475,"confidence":0.970312,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07843111455440521},{"word":"an","start":1499.475,"end":1499.6349,"confidence":0.9881082,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05205276608467102},{"word":"alternative","start":1499.6349,"end":1500.1349,"confidence":0.9223726,"punctuated_word":"alternative,","sentiment":"neutral","sentiment_score":0.10735519230365752},{"word":"something","start":1500.5299,"end":1500.61,"confidence":0.98510367,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.17639361321926117},{"word":"that","start":1500.61,"end":1500.73,"confidence":0.9980128,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2760971188545227},{"word":"we","start":1500.73,"end":1500.85,"confidence":0.9997229,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22153976559638977},{"word":"can","start":1500.85,"end":1501.09,"confidence":0.9997296,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22574995458126068},{"word":"look","start":1501.09,"end":1501.33,"confidence":0.99959344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19714823365211487},{"word":"at","start":1501.33,"end":1501.49,"confidence":0.9906613,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.31393125653266907},{"word":"to","start":1501.49,"end":1501.57,"confidence":0.99743843,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.294007807970047},{"word":"help","start":1501.57,"end":1501.73,"confidence":0.99986625,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.35462287068367004},{"word":"you","start":1501.73,"end":1501.97,"confidence":0.9996816,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30024826526641846},{"word":"along","start":1501.97,"end":1502.2899,"confidence":0.99975485,"punctuated_word":"along","sentiment":"positive","sentiment_score":0.3442147672176361},{"word":"with","start":1502.2899,"end":1502.69,"confidence":0.6647604,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.11306311190128326},{"word":"i","start":1502.69,"end":1502.9299,"confidence":0.9965107,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13440263271331787},{"word":"could","start":1502.9299,"end":1503.09,"confidence":0.99639636,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.1682661771774292},{"word":"start","start":1503.09,"end":1503.33,"confidence":0.999463,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.12148763984441756},{"word":"with","start":1503.33,"end":1503.57,"confidence":0.9997042,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15874645113945007},{"word":"something","start":1503.57,"end":1503.8099,"confidence":0.99966526,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.13736854493618011},{"word":"like","start":1503.8099,"end":1504.0499,"confidence":0.92990106,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13591650128364563},{"word":"$50","start":1504.0499,"end":1504.61,"confidence":0.9977257,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.11486293375492096},{"word":"per","start":1504.61,"end":1504.85,"confidence":0.9537872,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.15015415847301483},{"word":"fortnight","start":1504.85,"end":1505.33,"confidence":0.98823524,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.08068293333053589},{"word":"there","start":1505.33,"end":1505.57,"confidence":0.9945741,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13464847207069397},{"word":"for","start":1505.57,"end":1505.73,"confidence":0.9995521,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08563883602619171},{"word":"you","start":1505.73,"end":1505.8899,"confidence":0.95654714,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.09105907380580902},{"word":"and","start":1505.8899,"end":1506.0499,"confidence":0.99975866,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09034942090511322},{"word":"then","start":1506.0499,"end":1506.2899,"confidence":0.9999286,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1015731692314148},{"word":"we","start":1506.2899,"end":1506.45,"confidence":0.9994804,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12451022863388062},{"word":"could","start":1506.45,"end":1506.61,"confidence":0.9997875,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.13578246533870697},{"word":"always","start":1506.61,"end":1506.9299,"confidence":0.99962723,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1415564864873886},{"word":"look","start":1506.9299,"end":1507.1699,"confidence":0.9981388,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09708738327026369},{"word":"at","start":1507.1699,"end":1507.33,"confidence":0.9949627,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11557336151599884},{"word":"the","start":1507.33,"end":1507.4099,"confidence":0.9989065,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08675730973482132},{"word":"benefit","start":1507.4099,"end":1507.9099,"confidence":0.9865413,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.11988147348165512},{"word":"and","start":1507.97,"end":1508.21,"confidence":0.9947391,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08989446610212326},{"word":"kind","start":1508.21,"end":1508.37,"confidence":0.9919669,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09100998938083649},{"word":"of","start":1508.37,"end":1508.61,"confidence":0.99958223,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08319929242134094},{"word":"build","start":1508.61,"end":1508.85,"confidence":0.9995338,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.12412787973880768},{"word":"on","start":1508.85,"end":1509.01,"confidence":0.99935883,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16253525018692017},{"word":"that","start":1509.01,"end":1509.25,"confidence":0.99947447,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14302155375480652},{"word":"down","start":1509.25,"end":1509.49,"confidence":0.99904066,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.14524506032466888},{"word":"the","start":1509.49,"end":1509.6499,"confidence":0.9977053,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08844740688800812},{"word":"track","start":1509.6499,"end":1510.1499,"confidence":0.99156636,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.05448734387755394},{"word":"yep","start":1512.705,"end":1513.205,"confidence":0.94971687,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17652356624603271},{"word":"yep","start":1513.345,"end":1513.745,"confidence":0.9967747,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2726280689239502},{"word":"perfect","start":1513.745,"end":1514.245,"confidence":0.9896646,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5539030432701111},{"word":"i","start":1515.1849,"end":1515.345,"confidence":0.99007845,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4259483516216278},{"word":"will","start":1515.345,"end":1515.505,"confidence":0.9996239,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.42605093121528625},{"word":"have","start":1515.505,"end":1515.745,"confidence":0.9999337,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4475789964199066},{"word":"a","start":1515.745,"end":1515.825,"confidence":0.9996859,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43363574147224426},{"word":"look","start":1515.825,"end":1515.985,"confidence":0.9999608,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.3565175533294678},{"word":"at","start":1515.985,"end":1516.145,"confidence":0.9988041,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3429534435272217},{"word":"that","start":1516.145,"end":1516.3049,"confidence":0.9999285,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35568028688430786},{"word":"for","start":1516.3049,"end":1516.5449,"confidence":0.9999088,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2930641174316406},{"word":"you","start":1516.5449,"end":1517.0449,"confidence":0.9998209,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2639191448688507},{"word":"how","start":1517.345,"end":1517.505,"confidence":0.67463905,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.09067487716674805},{"word":"much","start":1517.505,"end":1517.745,"confidence":0.9994937,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.15974785387516022},{"word":"are","start":1517.745,"end":1517.9049,"confidence":0.97176343,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13477879762649536},{"word":"you","start":1517.9049,"end":1518.065,"confidence":0.99772304,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17014876008033752},{"word":"sort","start":1518.065,"end":1518.3049,"confidence":0.9864677,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13824580609798431},{"word":"of","start":1518.3049,"end":1518.465,"confidence":0.7892672,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1437472403049469},{"word":"trying","start":1518.465,"end":1518.7849,"confidence":0.99953115,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.1251496821641922},{"word":"to","start":1518.7849,"end":1518.945,"confidence":0.9996201,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14280229806900024},{"word":"save","start":1518.945,"end":1519.1849,"confidence":0.9894443,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.10661618411540984},{"word":"out","start":1519.1849,"end":1519.345,"confidence":0.98204225,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.10480093955993652},{"word":"of","start":1519.345,"end":1519.505,"confidence":0.99331254,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07602838426828384},{"word":"your","start":1519.505,"end":1519.6649,"confidence":0.82804954,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09647393971681596},{"word":"income","start":1519.6649,"end":1520.065,"confidence":0.9996798,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12031200528144836},{"word":"on","start":1520.065,"end":1520.145,"confidence":0.9994784,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.061782799661159515},{"word":"a","start":1520.145,"end":1520.3049,"confidence":0.9990526,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08600296825170517},{"word":"weekly","start":1520.3049,"end":1520.625,"confidence":0.9999095,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.06605736911296844},{"word":"or","start":1520.625,"end":1520.865,"confidence":0.9961592,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08800456672906876},{"word":"fortnightly","start":1520.865,"end":1521.345,"confidence":0.99912167,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.07269996404647827},{"word":"basis","start":1521.345,"end":1521.745,"confidence":0.9992478,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.0921824648976326},{"word":"at","start":1521.745,"end":1521.825,"confidence":0.9983511,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05137195810675621},{"word":"the","start":1521.825,"end":1521.985,"confidence":0.9997317,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08935289829969406},{"word":"moment","start":1521.985,"end":1522.225,"confidence":0.99782383,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.07178886234760284},{"word":"how","start":1522.225,"end":1522.385,"confidence":0.9993224,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.014970067888498306},{"word":"much","start":1522.385,"end":1522.5449,"confidence":0.9995165,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.01646486669778824},{"word":"are","start":1522.5449,"end":1522.705,"confidence":0.96968025,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01647079735994339},{"word":"you","start":1522.705,"end":1522.865,"confidence":0.9978935,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02970995008945465},{"word":"putting","start":1522.865,"end":1523.1849,"confidence":0.997612,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.01898929476737976},{"word":"away","start":1523.1849,"end":1523.345,"confidence":0.99549544,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.030798234045505524},{"word":"for","start":1523.345,"end":1523.505,"confidence":0.99926144,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.027402684092521667},{"word":"your","start":1523.505,"end":1523.745,"confidence":0.99951494,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.007097005844116211},{"word":"holiday","start":1523.745,"end":1524.245,"confidence":0.9996948,"punctuated_word":"holiday?","sentiment":"neutral","sentiment_score":0.03572008013725281},{"word":"yeah","start":1528.7999,"end":1529.2999,"confidence":0.9752823,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022881584241986275},{"word":"yeah","start":1533.76,"end":1534.26,"confidence":0.9902122,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03201063722372055},{"word":"yep","start":1542.895,"end":1543.395,"confidence":0.9977454,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.009055592119693756},{"word":"yep","start":1550.1901,"end":1550.6901,"confidence":0.9201894,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.003830505069345236},{"word":"okay","start":1553.79,"end":1554.29,"confidence":0.99772924,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19140301644802096},{"word":"perfect","start":1556.35,"end":1556.85,"confidence":0.997562,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1213587000966072},{"word":"yep","start":1558.27,"end":1558.77,"confidence":0.9935005,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17370304465293884},{"word":"perfect","start":1559.0701,"end":1559.5701,"confidence":0.9984641,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6026883125305176},{"word":"perfect","start":1563.165,"end":1563.665,"confidence":0.9981763,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6339932084083557},{"word":"thank","start":1564.285,"end":1564.525,"confidence":0.97902083,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6507061123847961},{"word":"you","start":1564.525,"end":1564.765,"confidence":0.99963784,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.650223970413208},{"word":"for","start":1564.765,"end":1564.925,"confidence":0.99981135,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5673825740814209},{"word":"that","start":1564.925,"end":1565.3251,"confidence":0.99940985,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5720267295837402},{"word":"i'm","start":1565.3251,"end":1565.405,"confidence":0.7422737,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.017130017280578613},{"word":"so","start":1565.405,"end":1565.645,"confidence":0.9929671,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.09403112530708312},{"word":"sorry","start":1565.645,"end":1566.145,"confidence":0.99958307,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03470979258418083},{"word":"lovely","start":1566.925,"end":1567.425,"confidence":0.94246817,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.19068434834480288},{"word":"and","start":1567.485,"end":1567.965,"confidence":0.99863964,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.024481825530529026},{"word":"work","start":1567.965,"end":1568.2051,"confidence":0.4857028,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.004167743027210236},{"word":"wise","start":1568.2051,"end":1568.4451,"confidence":0.86351204,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.024032138288021088},{"word":"you","start":1568.4451,"end":1568.605,"confidence":0.9993161,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03270947188138962},{"word":"mentioned","start":1568.605,"end":1568.925,"confidence":0.98659515,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.03813810646533966},{"word":"you're","start":1568.925,"end":1569.165,"confidence":0.8946577,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.002633740659803152},{"word":"down","start":1569.165,"end":1569.3251,"confidence":0.9967102,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0045469217002391815},{"word":"to","start":1569.3251,"end":1569.5651,"confidence":0.8280197,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002918155863881111},{"word":"about","start":1569.5651,"end":1569.885,"confidence":0.9990588,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0054756272584199905},{"word":"three","start":1569.885,"end":1570.045,"confidence":0.9997074,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.010813310742378237},{"word":"days","start":1570.045,"end":1570.4451,"confidence":0.9998553,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.015969151630997658},{"word":"per","start":1570.4451,"end":1570.685,"confidence":0.99972326,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.0186765156686306},{"word":"week","start":1570.685,"end":1570.925,"confidence":0.9995271,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.024208948016166687},{"word":"at","start":1570.925,"end":1571.165,"confidence":0.99683905,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0247444286942482},{"word":"the","start":1571.165,"end":1571.3251,"confidence":0.99964845,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008366217836737633},{"word":"moment","start":1571.3251,"end":1571.8251,"confidence":0.992561,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.003131931647658348},{"word":"just","start":1572.365,"end":1572.605,"confidence":0.76742446,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.0067986901849508286},{"word":"sort","start":1572.605,"end":1572.765,"confidence":0.663806,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0029259175062179565},{"word":"of","start":1572.765,"end":1572.925,"confidence":0.94954014,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0004494190216064453},{"word":"going","start":1572.925,"end":1573.165,"confidence":0.99848276,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.004867196083068848},{"word":"through","start":1573.165,"end":1573.5651,"confidence":0.9568701,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.009216704405844212},{"word":"i","start":1573.5651,"end":1573.805,"confidence":0.99928004,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0014116056263446808},{"word":"don't","start":1573.805,"end":1574.125,"confidence":0.9998149,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.011341157369315624},{"word":"have","start":1574.125,"end":1574.365,"confidence":0.9995716,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0017913077026605606},{"word":"down","start":1574.365,"end":1574.525,"confidence":0.8816339,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.00037504732608795166},{"word":"here","start":1574.525,"end":1574.765,"confidence":0.9994273,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.002170853316783905},{"word":"what","start":1574.765,"end":1574.925,"confidence":0.9964528,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.009845137596130373},{"word":"you","start":1574.925,"end":1575.005,"confidence":0.99850225,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01018261443823576},{"word":"do","start":1575.005,"end":1575.245,"confidence":0.99806434,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.005932418629527092},{"word":"for","start":1575.245,"end":1575.3251,"confidence":0.9939703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.005351904779672623},{"word":"work","start":1575.3251,"end":1575.72,"confidence":0.77651495,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.014116615988314152},{"word":"what's","start":1575.72,"end":1575.96,"confidence":0.9463819,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.000989769003354013},{"word":"your","start":1575.96,"end":1576.12,"confidence":0.9973411,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.00003904011100530624},{"word":"occupation","start":1576.12,"end":1576.62,"confidence":0.99954647,"punctuated_word":"occupation?","sentiment":"neutral","sentiment_score":0.005729862488806248},{"word":"oh","start":1579.08,"end":1579.48,"confidence":0.9583409,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.12243717908859252},{"word":"beautiful","start":1579.48,"end":1579.96,"confidence":0.9993471,"punctuated_word":"beautiful.","sentiment":"neutral","sentiment_score":0.1451551467180252},{"word":"are","start":1579.96,"end":1580.12,"confidence":0.9992563,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.031053222715854645},{"word":"you","start":1580.12,"end":1580.36,"confidence":0.9997701,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02952457219362259},{"word":"long","start":1580.36,"end":1580.6799,"confidence":0.9989079,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.036531638354063034},{"word":"distance","start":1580.6799,"end":1581.1799,"confidence":0.8584158,"punctuated_word":"distance?","sentiment":"neutral","sentiment_score":0.059146154671907425},{"word":"or","start":1581.32,"end":1581.82,"confidence":0.95751065,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.02071383222937584},{"word":"yeah","start":1585.32,"end":1585.82,"confidence":0.81335366,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.031957678496837616},{"word":"yep","start":1586.28,"end":1586.78,"confidence":0.9535433,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.012858468107879162},{"word":"oh","start":1589.495,"end":1589.995,"confidence":0.93308616,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.14913466572761536},{"word":"perfect","start":1590.135,"end":1590.635,"confidence":0.99341244,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":0.21695537865161896},{"word":"lovely","start":1592.295,"end":1592.795,"confidence":0.9844464,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.3886451721191406},{"word":"yeah","start":1596.0549,"end":1596.455,"confidence":0.9922138,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07636426389217377},{"word":"wow","start":1596.455,"end":1596.955,"confidence":0.9981697,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.07666994631290436},{"word":"yep","start":1604.31,"end":1604.81,"confidence":0.83619905,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015720084309577942},{"word":"yeah","start":1606.55,"end":1607.05,"confidence":0.9134761,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004249299876391888},{"word":"perfect","start":1612.245,"end":1612.745,"confidence":0.9380478,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2732751965522766},{"word":"perfect","start":1613.045,"end":1613.545,"confidence":0.99901986,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2349037081003189},{"word":"and","start":1614.3251,"end":1614.5651,"confidence":0.7127562,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08189462125301361},{"word":"you","start":1614.5651,"end":1614.725,"confidence":0.9984648,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08554301410913467},{"word":"also","start":1614.725,"end":1615.045,"confidence":0.9959163,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10408926755189896},{"word":"mentioned","start":1615.045,"end":1615.365,"confidence":0.9783106,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.09379677474498747},{"word":"that","start":1615.365,"end":1615.605,"confidence":0.9998621,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07676933705806732},{"word":"your","start":1615.605,"end":1616.005,"confidence":0.63297045,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0470280721783638},{"word":"your","start":1616.005,"end":1616.3251,"confidence":0.89717484,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.029365595430135727},{"word":"partner","start":1616.3251,"end":1616.4851,"confidence":0.8879883,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.03113960474729538},{"word":"you've","start":1616.645,"end":1616.805,"confidence":0.8021964,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04619906842708587},{"word":"got","start":1616.805,"end":1616.965,"confidence":0.99543875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04746919125318527},{"word":"your","start":1616.965,"end":1617.125,"confidence":0.98680973,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03590729832649231},{"word":"partner","start":1617.125,"end":1617.525,"confidence":0.99929285,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.04811839386820793},{"word":"there","start":1617.525,"end":1617.685,"confidence":0.78478277,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.05927208065986633},{"word":"so","start":1617.685,"end":1617.845,"confidence":0.99905866,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07087366282939911},{"word":"i've","start":1617.845,"end":1617.925,"confidence":0.9981741,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05663803219795227},{"word":"got","start":1617.925,"end":1618.085,"confidence":0.992467,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.081413634121418},{"word":"it","start":1618.085,"end":1618.165,"confidence":0.96778554,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06757848709821701},{"word":"down","start":1618.165,"end":1618.3251,"confidence":0.96367246,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.053267575800418854},{"word":"that","start":1618.3251,"end":1618.485,"confidence":0.9872011,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045037686824798584},{"word":"you","start":1618.485,"end":1618.5651,"confidence":0.9991628,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026369301602244377},{"word":"are","start":1618.5651,"end":1618.725,"confidence":0.9817129,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03763271868228912},{"word":"in","start":1618.725,"end":1618.885,"confidence":0.67073065,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.033204518258571625},{"word":"a","start":1618.885,"end":1618.965,"confidence":0.839787,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06540864706039429},{"word":"de","start":1618.965,"end":1619.125,"confidence":0.47782138,"punctuated_word":"de","sentiment":"neutral","sentiment_score":0.06101202219724655},{"word":"facto","start":1619.125,"end":1619.605,"confidence":0.9991702,"punctuated_word":"facto","sentiment":"neutral","sentiment_score":0.05841836333274841},{"word":"relationship","start":1619.605,"end":1620.105,"confidence":0.99837387,"punctuated_word":"relationship.","sentiment":"neutral","sentiment_score":0.04435481876134872},{"word":"is","start":1620.245,"end":1620.405,"confidence":0.99977666,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05387046933174133},{"word":"that","start":1620.405,"end":1620.645,"confidence":0.99992585,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06734061241149902},{"word":"still","start":1620.645,"end":1620.885,"confidence":0.9990748,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.020705271512269977},{"word":"correct","start":1620.885,"end":1621.385,"confidence":0.99990517,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.035050712525844574},{"word":"yep","start":1622.965,"end":1623.365,"confidence":0.8294218,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.043665811419487},{"word":"perfect","start":1623.365,"end":1623.845,"confidence":0.99049664,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.09683486819267272},{"word":"and","start":1623.845,"end":1624.085,"confidence":0.9948515,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.014868270605802536},{"word":"i'm","start":1624.085,"end":1624.245,"confidence":0.9824815,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02129558101296425},{"word":"so","start":1624.245,"end":1624.485,"confidence":0.99831283,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.031957242637872696},{"word":"sorry","start":1624.485,"end":1624.725,"confidence":0.98937106,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.08488437533378601},{"word":"i'm","start":1624.725,"end":1624.965,"confidence":0.9999298,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10876166820526124},{"word":"probably","start":1624.965,"end":1625.285,"confidence":0.99926037,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.14595171809196472},{"word":"gonna","start":1625.285,"end":1625.685,"confidence":0.9991534,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.12613894045352936},{"word":"pronounce","start":1625.685,"end":1626.085,"confidence":0.9994381,"punctuated_word":"pronounce","sentiment":"neutral","sentiment_score":-0.10805148631334303},{"word":"this","start":1626.085,"end":1626.3251,"confidence":0.9981805,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10964363813400269},{"word":"wrong","start":1626.3251,"end":1626.8251,"confidence":0.99457955,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":-0.09124694764614104},{"word":"your","start":1627.125,"end":1627.47,"confidence":0.922703,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.09259018301963806},{"word":"partner's","start":1627.5499,"end":1627.95,"confidence":0.9973985,"punctuated_word":"partner's","sentiment":"neutral","sentiment_score":-0.06864791363477707},{"word":"name","start":1627.95,"end":1628.4299,"confidence":0.77497935,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":-0.08292490243911743},{"word":"i'm","start":1628.4299,"end":1628.59,"confidence":0.9994682,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.055569034069776535},{"word":"gonna","start":1628.59,"end":1628.83,"confidence":0.99960846,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04798032343387604},{"word":"spell","start":1628.83,"end":1629.07,"confidence":0.99952996,"punctuated_word":"spell","sentiment":"neutral","sentiment_score":-0.04520903900265694},{"word":"it","start":1629.07,"end":1629.15,"confidence":0.999193,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03710923716425896},{"word":"because","start":1629.15,"end":1629.39,"confidence":0.8945695,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07927267253398895},{"word":"i'm","start":1629.39,"end":1629.5499,"confidence":0.9997952,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.07747220993041992},{"word":"probably","start":1629.5499,"end":1629.7899,"confidence":0.9990814,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1130983904004097},{"word":"gonna","start":1629.7899,"end":1630.03,"confidence":0.9984675,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1052384078502655},{"word":"say","start":1630.03,"end":1630.19,"confidence":0.9934628,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.0881873071193695},{"word":"it","start":1630.19,"end":1630.4299,"confidence":0.99518716,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07722170650959015},{"word":"incorrectly","start":1630.4299,"end":1630.9099,"confidence":0.97646093,"punctuated_word":"incorrectly.","sentiment":"neutral","sentiment_score":-0.07994861155748367},{"word":"it's","start":1630.9099,"end":1631.39,"confidence":0.99812186,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.029440339654684067},{"word":"s","start":1631.39,"end":1631.5499,"confidence":0.99701715,"punctuated_word":"s","sentiment":"neutral","sentiment_score":-0.02003331109881401},{"word":"e","start":1631.5499,"end":1631.87,"confidence":0.99623424,"punctuated_word":"e","sentiment":"neutral","sentiment_score":-0.010371822863817217},{"word":"n","start":1631.87,"end":1632.11,"confidence":0.99380773,"punctuated_word":"n","sentiment":"neutral","sentiment_score":-0.011271323077380655},{"word":"e","start":1632.11,"end":1632.35,"confidence":0.99855477,"punctuated_word":"e","sentiment":"neutral","sentiment_score":-0.008238716050982475},{"word":"m","start":1632.35,"end":1632.59,"confidence":0.9892761,"punctuated_word":"m.","sentiment":"neutral","sentiment_score":-0.011019743978977203},{"word":"is","start":1632.59,"end":1632.75,"confidence":0.9997745,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.013747678138315678},{"word":"that","start":1632.75,"end":1632.99,"confidence":0.9999608,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009407956153154371},{"word":"right","start":1632.99,"end":1633.49,"confidence":0.99986696,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.0014616549015045166},{"word":"yep","start":1634.6699,"end":1635.15,"confidence":0.8664231,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.043676525354385376},{"word":"perfect","start":1635.15,"end":1635.47,"confidence":0.9492761,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.10718871653079988},{"word":"how","start":1635.47,"end":1635.63,"confidence":0.96633697,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.05768958106637001},{"word":"would","start":1635.63,"end":1635.87,"confidence":0.98039573,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03710132837295532},{"word":"i","start":1635.87,"end":1635.95,"confidence":0.9993352,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04877188801765442},{"word":"pronounce","start":1635.95,"end":1636.35,"confidence":0.9993284,"punctuated_word":"pronounce","sentiment":"neutral","sentiment_score":0.02980491518974304},{"word":"the","start":1636.35,"end":1636.4299,"confidence":0.5483617,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040803998708724976},{"word":"name","start":1636.4299,"end":1636.6699,"confidence":0.9996306,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.014351783320307732},{"word":"correctly","start":1636.6699,"end":1637.07,"confidence":0.99637896,"punctuated_word":"correctly?","sentiment":"neutral","sentiment_score":0.021319173276424408},{"word":"i","start":1637.07,"end":1637.23,"confidence":0.99981743,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.058596253395080566},{"word":"do","start":1637.23,"end":1637.39,"confidence":0.9998586,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06975548714399338},{"word":"apologize","start":1637.39,"end":1637.89,"confidence":0.999697,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.05737366899847984},{"word":"sanam","start":1640.445,"end":1640.945,"confidence":0.7455034,"punctuated_word":"Sanam.","sentiment":"neutral","sentiment_score":0.07959073036909103},{"word":"beautiful","start":1641.165,"end":1641.665,"confidence":0.9994069,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3673978447914123},{"word":"that's","start":1641.8049,"end":1641.965,"confidence":0.91275716,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3720608949661255},{"word":"a","start":1641.965,"end":1642.125,"confidence":0.9962717,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38232147693634033},{"word":"lovely","start":1642.125,"end":1642.445,"confidence":0.9999639,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.389582872390747},{"word":"name","start":1642.445,"end":1642.6849,"confidence":0.9997269,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":0.28016209602355957},{"word":"i","start":1642.6849,"end":1642.9249,"confidence":0.99971133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03669057786464691},{"word":"knew","start":1642.9249,"end":1643.245,"confidence":0.9919171,"punctuated_word":"knew","sentiment":"neutral","sentiment_score":-0.04537653923034668},{"word":"i","start":1643.245,"end":1643.325,"confidence":0.99762183,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0718042403459549},{"word":"would","start":1643.325,"end":1643.485,"confidence":0.99993014,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08026231825351715},{"word":"probably","start":1643.485,"end":1643.965,"confidence":0.9978175,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.06519018858671188},{"word":"get","start":1643.965,"end":1644.045,"confidence":0.99973696,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1404297649860382},{"word":"that","start":1644.045,"end":1644.285,"confidence":0.99988484,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15899890661239624},{"word":"wrong","start":1644.285,"end":1644.445,"confidence":0.9869003,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":-0.08218643069267273},{"word":"i","start":1644.445,"end":1644.605,"confidence":0.99994683,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0767957866191864},{"word":"do","start":1644.605,"end":1644.765,"confidence":0.99994314,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09390154480934144},{"word":"apologize","start":1644.765,"end":1645.265,"confidence":0.9555446,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.10360179841518402},{"word":"and","start":1645.325,"end":1645.565,"confidence":0.9882758,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05988847464323044},{"word":"i'm","start":1645.565,"end":1645.645,"confidence":0.99856436,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08160501718521118},{"word":"my","start":1645.8049,"end":1645.965,"confidence":0.9958377,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.05905687436461449},{"word":"name's","start":1645.965,"end":1646.285,"confidence":0.80448663,"punctuated_word":"name's","sentiment":"neutral","sentiment_score":-0.0480659119784832},{"word":"dana","start":1646.285,"end":1646.6849,"confidence":0.69284236,"punctuated_word":"Dana.","sentiment":"neutral","sentiment_score":-0.02947039157152176},{"word":"so","start":1646.6849,"end":1646.845,"confidence":0.9228256,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.027632035315036777},{"word":"it's","start":1646.845,"end":1647.085,"confidence":0.9974784,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.036492884159088135},{"word":"spelled","start":1647.085,"end":1647.325,"confidence":0.9854343,"punctuated_word":"spelled","sentiment":"neutral","sentiment_score":-0.04181747883558273},{"word":"d","start":1647.325,"end":1647.485,"confidence":0.99278367,"punctuated_word":"d","sentiment":"neutral","sentiment_score":-0.03987786918878555},{"word":"a","start":1647.485,"end":1647.645,"confidence":0.9995585,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0532047227025032},{"word":"n","start":1647.645,"end":1647.8049,"confidence":0.999866,"punctuated_word":"n","sentiment":"neutral","sentiment_score":-0.03929739445447922},{"word":"a","start":1647.8049,"end":1648.045,"confidence":0.9233966,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":-0.0657922625541687},{"word":"and","start":1648.045,"end":1648.205,"confidence":0.9997404,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.095277801156044},{"word":"everyone","start":1648.205,"end":1648.6849,"confidence":0.99963415,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.16584144532680511},{"word":"gets","start":1648.6849,"end":1648.845,"confidence":0.99971443,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.15663942694664},{"word":"my","start":1648.845,"end":1649.005,"confidence":0.999374,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.13027384877204895},{"word":"name","start":1649.005,"end":1649.165,"confidence":0.99980134,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.18071280419826508},{"word":"wrong","start":1649.165,"end":1649.485,"confidence":0.9997104,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.0904211774468422},{"word":"as","start":1649.485,"end":1649.645,"confidence":0.999653,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09254162013530733},{"word":"well","start":1649.645,"end":1650.145,"confidence":0.86597157,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.04631863161921501},{"word":"so","start":1650.285,"end":1650.445,"confidence":0.9498706,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006245061755180359},{"word":"it's","start":1650.445,"end":1650.765,"confidence":0.99044895,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03803473711013794},{"word":"understandable","start":1650.765,"end":1651.265,"confidence":0.999409,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":0.042092081159353256},{"word":"you're","start":1653.1,"end":1653.34,"confidence":0.84384775,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.08211185783147812},{"word":"well","start":1653.5,"end":1653.74,"confidence":0.8051074,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.09644121676683426},{"word":"and","start":1653.74,"end":1653.9,"confidence":0.9972996,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07972651720046997},{"word":"you","start":1653.9,"end":1653.98,"confidence":0.99945956,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.058404333889484406},{"word":"mentioned","start":1653.98,"end":1654.38,"confidence":0.9938547,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.05749402940273285},{"word":"she's","start":1654.38,"end":1654.62,"confidence":0.9952503,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.03593774884939194},{"word":"working","start":1654.62,"end":1655.02,"confidence":0.9998932,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.020309321582317352},{"word":"as","start":1655.02,"end":1655.1799,"confidence":0.9993467,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.029480233788490295},{"word":"well","start":1655.1799,"end":1655.6799,"confidence":0.9476974,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.03378516808152199},{"word":"yeah","start":1657.66,"end":1658.16,"confidence":0.96326864,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007398713380098343},{"word":"is","start":1658.46,"end":1658.7,"confidence":0.5625949,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.005480719730257988},{"word":"she","start":1658.7,"end":1658.94,"confidence":0.9948088,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.006559010595083237},{"word":"hoping","start":1658.94,"end":1659.26,"confidence":0.9991642,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.000862419605255127},{"word":"to","start":1659.26,"end":1659.42,"confidence":0.9981432,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0018749162554740904},{"word":"sort","start":1659.42,"end":1659.66,"confidence":0.9837767,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.001994490623474121},{"word":"of","start":1659.66,"end":1659.82,"confidence":0.99852604,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006147818639874458},{"word":"retire","start":1659.82,"end":1660.32,"confidence":0.9985495,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.006051599979400635},{"word":"around","start":1660.38,"end":1660.62,"confidence":0.9996007,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.0005681328475475311},{"word":"the","start":1660.62,"end":1660.78,"confidence":0.99838126,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004602242261171341},{"word":"same","start":1660.78,"end":1661.1,"confidence":0.99990106,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.004485432058572769},{"word":"time","start":1661.1,"end":1661.42,"confidence":0.9997365,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.0017558969557285309},{"word":"as","start":1661.42,"end":1661.66,"confidence":0.99766433,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.013558404520154},{"word":"you","start":1661.66,"end":1661.82,"confidence":0.90292895,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.00219634547829628},{"word":"or","start":1661.82,"end":1662.0599,"confidence":0.99981815,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.003998877480626106},{"word":"is","start":1662.0599,"end":1662.22,"confidence":0.96405154,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.003354135900735855},{"word":"she","start":1662.22,"end":1662.46,"confidence":0.99889636,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.005669586360454559},{"word":"planning","start":1662.46,"end":1662.78,"confidence":0.9988502,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.005548883229494095},{"word":"to","start":1662.78,"end":1662.94,"confidence":0.9996748,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00431281141936779},{"word":"work","start":1662.94,"end":1663.1799,"confidence":0.99992216,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.006256995722651482},{"word":"longer","start":1663.1799,"end":1663.58,"confidence":0.99137735,"punctuated_word":"longer?","sentiment":"neutral","sentiment_score":-0.004879811778664589},{"word":"is","start":1663.58,"end":1663.74,"confidence":0.999592,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.011148171499371529},{"word":"she","start":1663.74,"end":1663.9,"confidence":0.9980089,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.015272198244929314},{"word":"younger","start":1663.9,"end":1664.22,"confidence":0.99973935,"punctuated_word":"younger","sentiment":"neutral","sentiment_score":-0.02323734015226364},{"word":"than","start":1664.22,"end":1664.38,"confidence":0.99939954,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.018772607669234276},{"word":"you","start":1664.38,"end":1664.62,"confidence":0.99972683,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015596097335219383},{"word":"or","start":1664.62,"end":1664.86,"confidence":0.9544418,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.016223084181547165},{"word":"older","start":1664.86,"end":1665.36,"confidence":0.99934494,"punctuated_word":"older?","sentiment":"neutral","sentiment_score":-0.01625765860080719},{"word":"young","start":1667.655,"end":1668.135,"confidence":0.9521239,"punctuated_word":"Young?","sentiment":"neutral","sentiment_score":-0.010301120579242706},{"word":"yep","start":1668.135,"end":1668.635,"confidence":0.9865239,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.012691250070929527},{"word":"okay","start":1669.575,"end":1670.075,"confidence":0.998925,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08052034676074982},{"word":"perfect","start":1671.415,"end":1671.915,"confidence":0.74908745,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4939343929290771},{"word":"yep","start":1677.815,"end":1678.315,"confidence":0.8551574,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12061607837677002},{"word":"yeah","start":1680.65,"end":1681.13,"confidence":0.79364383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3141688406467438},{"word":"perfect","start":1681.13,"end":1681.53,"confidence":0.99592495,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5596846342086792},{"word":"well","start":1681.53,"end":1681.77,"confidence":0.9848206,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.23752319812774655},{"word":"you","start":1681.77,"end":1681.93,"confidence":0.7558918,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1976574808359146},{"word":"can","start":1681.93,"end":1682.09,"confidence":0.9997415,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19802525639533997},{"word":"always","start":1682.09,"end":1682.41,"confidence":0.99939,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1793077290058136},{"word":"sort","start":1682.41,"end":1682.5701,"confidence":0.9959831,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.19031374156475067},{"word":"of","start":1682.5701,"end":1682.73,"confidence":0.9995521,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1231493428349495},{"word":"work","start":1682.73,"end":1682.97,"confidence":0.9998135,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.11373908817768096},{"word":"things","start":1682.97,"end":1683.47,"confidence":0.99991107,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1558060348033905},{"word":"on","start":1683.93,"end":1684.3301,"confidence":0.6778882,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15566225349903107},{"word":"more","start":1684.3301,"end":1684.5701,"confidence":0.9856915,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11455851793289185},{"word":"of","start":1684.5701,"end":1684.73,"confidence":0.99942327,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16088034212589264},{"word":"a","start":1684.73,"end":1684.81,"confidence":0.9972337,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10232101380825044},{"word":"worst","start":1684.81,"end":1685.05,"confidence":0.9917611,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":0.04758784919977188},{"word":"case","start":1685.05,"end":1685.37,"confidence":0.99969244,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.10629726946353912},{"word":"scenario","start":1685.37,"end":1685.87,"confidence":0.9996107,"punctuated_word":"scenario","sentiment":"neutral","sentiment_score":0.13453251123428345},{"word":"saying","start":1686.49,"end":1686.81,"confidence":0.86313546,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.12289945036172868},{"word":"that","start":1686.81,"end":1686.97,"confidence":0.9996948,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07837329059839249},{"word":"she's","start":1686.97,"end":1687.2101,"confidence":0.9982337,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.10319571942090988},{"word":"you","start":1687.37,"end":1687.4501,"confidence":0.9649966,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0839499682188034},{"word":"know","start":1687.4501,"end":1687.6901,"confidence":0.9857949,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11241813004016876},{"word":"if","start":1687.6901,"end":1687.85,"confidence":0.99950147,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13742464780807495},{"word":"she","start":1687.85,"end":1688.01,"confidence":0.9997168,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.188400998711586},{"word":"does","start":1688.01,"end":1688.3301,"confidence":0.99992585,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.15570425987243652},{"word":"retire","start":1688.3301,"end":1688.73,"confidence":0.9993316,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.09529626369476318},{"word":"at","start":1688.73,"end":1688.89,"confidence":0.99980944,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07966364175081253},{"word":"the","start":1688.89,"end":1689.05,"confidence":0.99958354,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11260703206062316},{"word":"same","start":1689.05,"end":1689.29,"confidence":0.9999037,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.10671968758106232},{"word":"time","start":1689.29,"end":1689.53,"confidence":0.9997446,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.17539459466934204},{"word":"as","start":1689.53,"end":1689.77,"confidence":0.9908579,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1200362890958786},{"word":"you","start":1689.77,"end":1690.17,"confidence":0.9982028,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.12646430730819702},{"word":"this","start":1690.17,"end":1690.49,"confidence":0.99978644,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12274398654699326},{"word":"might","start":1690.49,"end":1690.65,"confidence":0.9999331,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.10115505009889604},{"word":"be","start":1690.65,"end":1690.81,"confidence":0.99960774,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13135239481925964},{"word":"the","start":1690.81,"end":1691.13,"confidence":0.9995629,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10672546923160552},{"word":"the","start":1691.13,"end":1691.29,"confidence":0.9974279,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1188567504286766},{"word":"likelihood","start":1691.29,"end":1691.79,"confidence":0.9947719,"punctuated_word":"likelihood","sentiment":"neutral","sentiment_score":0.11618038266897202},{"word":"of","start":1692.01,"end":1692.09,"confidence":0.99986947,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13062182068824768},{"word":"things","start":1692.09,"end":1692.59,"confidence":0.99939114,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.09415404498577118},{"word":"do","start":1692.995,"end":1693.075,"confidence":0.98765403,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.02031603828072548},{"word":"you","start":1693.075,"end":1693.155,"confidence":0.9999145,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02609461545944214},{"word":"know","start":1693.155,"end":1693.3151,"confidence":0.99991906,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.02825125679373741},{"word":"what","start":1693.3151,"end":1693.635,"confidence":0.99978584,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.030317462980747223},{"word":"her","start":1693.635,"end":1693.875,"confidence":0.9997013,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.030413394793868065},{"word":"income","start":1693.875,"end":1694.275,"confidence":0.99992454,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.031667690724134445},{"word":"is","start":1694.275,"end":1694.515,"confidence":0.9998356,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.018315713852643967},{"word":"at","start":1694.515,"end":1694.675,"confidence":0.9991014,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.016383854672312737},{"word":"the","start":1694.675,"end":1694.8351,"confidence":0.9996977,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04360569268465042},{"word":"moment","start":1694.8351,"end":1695.2351,"confidence":0.9998549,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.04643121734261513},{"word":"or","start":1695.2351,"end":1695.395,"confidence":0.93042815,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.050822190940380096},{"word":"what","start":1695.395,"end":1695.555,"confidence":0.9999162,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03797752037644386},{"word":"she's","start":1695.555,"end":1695.875,"confidence":0.99653107,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.03973030298948288},{"word":"earning","start":1695.875,"end":1696.375,"confidence":0.9994745,"punctuated_word":"earning?","sentiment":"neutral","sentiment_score":0.03761376440525055},{"word":"900","start":1701.555,"end":1702.3551,"confidence":0.9952616,"punctuated_word":"900","sentiment":"neutral","sentiment_score":0.025090869516134266},{"word":"per","start":1702.3551,"end":1702.675,"confidence":0.9957431,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.031082622706890103},{"word":"week","start":1702.675,"end":1703.175,"confidence":0.9529704,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":0.034037768840789795},{"word":"yep","start":1704.035,"end":1704.535,"confidence":0.95294875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18740515410900116},{"word":"perfect","start":1704.5951,"end":1705.0951,"confidence":0.9959401,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6778361797332764},{"word":"lovely","start":1705.5599,"end":1705.7999,"confidence":0.999201,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.6528815627098083},{"word":"and","start":1705.7999,"end":1706.0399,"confidence":0.99988925,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3049396574497223},{"word":"do","start":1706.0399,"end":1706.2,"confidence":0.99973637,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18887855112552643},{"word":"you","start":1706.2,"end":1706.2799,"confidence":0.9997532,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2615196406841278},{"word":"have","start":1706.2799,"end":1706.44,"confidence":0.9998795,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22329729795455933},{"word":"any","start":1706.44,"end":1706.6799,"confidence":0.9998578,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1838458627462387},{"word":"sort","start":1706.6799,"end":1706.9199,"confidence":0.9953453,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15343403816223145},{"word":"of","start":1706.9199,"end":1707.0,"confidence":0.99981207,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11865498125553132},{"word":"idea","start":1707.0,"end":1707.32,"confidence":0.9993728,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.09201011061668396},{"word":"what","start":1707.32,"end":1707.48,"confidence":0.95070785,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10808497667312622},{"word":"her","start":1707.48,"end":1707.72,"confidence":0.99944526,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.08204668760299683},{"word":"approximate","start":1707.72,"end":1708.2,"confidence":0.990756,"punctuated_word":"approximate","sentiment":"neutral","sentiment_score":0.1122763529419899},{"word":"super","start":1708.2,"end":1708.5199,"confidence":0.98732936,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1566389799118042},{"word":"balance","start":1708.5199,"end":1708.9199,"confidence":0.95723355,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.14961211383342743},{"word":"might","start":1708.9199,"end":1709.08,"confidence":0.9998246,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.07097560167312622},{"word":"be","start":1709.08,"end":1709.5599,"confidence":0.99986446,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07357157766819},{"word":"just","start":1709.5599,"end":1709.7999,"confidence":0.805967,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06841619312763214},{"word":"for","start":1709.7999,"end":1709.96,"confidence":0.99515414,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07083738595247269},{"word":"the","start":1709.96,"end":1710.2,"confidence":0.99994564,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12182671576738358},{"word":"the","start":1710.2,"end":1710.36,"confidence":0.99950767,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12478090822696686},{"word":"overall","start":1710.36,"end":1710.84,"confidence":0.95060927,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.10048912465572356},{"word":"retirement","start":1710.84,"end":1711.34,"confidence":0.9963737,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.15354301035404205},{"word":"side","start":1711.48,"end":1711.6399,"confidence":0.9923396,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.12555405497550964},{"word":"of","start":1711.6399,"end":1711.7999,"confidence":0.99959606,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1062709093093872},{"word":"things","start":1711.7999,"end":1712.2999,"confidence":0.9987043,"punctuated_word":"things?","sentiment":"neutral","sentiment_score":0.11296479403972626},{"word":"if","start":1715.08,"end":1715.32,"confidence":0.9856506,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.024887587875127792},{"word":"you","start":1715.32,"end":1715.48,"confidence":0.99973625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018978258594870567},{"word":"don't","start":1715.48,"end":1715.72,"confidence":0.99096733,"punctuated_word":"don't,","sentiment":"neutral","sentiment_score":0.018612274900078773},{"word":"that's","start":1715.72,"end":1715.96,"confidence":0.99983996,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0425538569688797},{"word":"okay","start":1715.96,"end":1716.46,"confidence":0.9988316,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.03172655403614044},{"word":"no","start":1718.6749,"end":1719.1749,"confidence":0.82453215,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0510549321770668},{"word":"no","start":1719.395,"end":1719.715,"confidence":0.99788815,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.038560204207897186},{"word":"that's","start":1719.715,"end":1720.115,"confidence":0.9973944,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02067590318620205},{"word":"okay","start":1720.115,"end":1720.515,"confidence":0.9993968,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.032824330031871796},{"word":"that's","start":1720.515,"end":1720.755,"confidence":0.99618495,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15314176678657532},{"word":"not","start":1720.755,"end":1720.995,"confidence":0.9998447,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1252085268497467},{"word":"a","start":1720.995,"end":1721.155,"confidence":0.9997224,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09394480288028716},{"word":"problem","start":1721.155,"end":1721.5549,"confidence":0.99996674,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.1229693740606308},{"word":"at","start":1721.5549,"end":1721.715,"confidence":0.9999161,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08467452973127365},{"word":"all","start":1721.715,"end":1722.215,"confidence":0.99995244,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.06106884032487869},{"word":"does","start":1723.5549,"end":1723.7949,"confidence":0.75781006,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.009008660912513731},{"word":"she","start":1723.7949,"end":1724.035,"confidence":0.999782,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.032067906111478806},{"word":"have","start":1724.035,"end":1724.275,"confidence":0.9997249,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03181607648730278},{"word":"super","start":1724.275,"end":1724.6749,"confidence":0.85008323,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":0.026429489254951477},{"word":"does","start":1724.6749,"end":1724.835,"confidence":0.99313134,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.01164766401052475},{"word":"she","start":1724.835,"end":1724.995,"confidence":0.99966633,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.025929076597094536},{"word":"have","start":1724.995,"end":1725.235,"confidence":0.9993129,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02431550621986389},{"word":"a","start":1725.235,"end":1725.395,"confidence":0.99878556,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02584679052233696},{"word":"little","start":1725.395,"end":1725.635,"confidence":0.9988681,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.025470413267612457},{"word":"bit","start":1725.635,"end":1725.7949,"confidence":0.9998252,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.012899134308099748},{"word":"of","start":1725.7949,"end":1725.875,"confidence":0.999398,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007300417870283127},{"word":"super","start":1725.875,"end":1726.375,"confidence":0.9949299,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":0.012782150879502296},{"word":"yep","start":1731.33,"end":1731.83,"confidence":0.9673754,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.015295813791453838},{"word":"okay","start":1734.9299,"end":1735.4299,"confidence":0.9989659,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.001514337956905365},{"word":"yep","start":1738.53,"end":1738.77,"confidence":0.99866486,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0206439308822155},{"word":"that's","start":1738.77,"end":1739.09,"confidence":0.9999,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02364409528672695},{"word":"okay","start":1739.09,"end":1739.33,"confidence":0.9997094,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.017696531489491463},{"word":"do","start":1739.33,"end":1739.49,"confidence":0.9996828,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.01920560747385025},{"word":"you","start":1739.49,"end":1739.57,"confidence":0.9998355,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015566660091280935},{"word":"think","start":1739.57,"end":1739.73,"confidence":0.99990404,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.020821139216423035},{"word":"it's","start":1739.73,"end":1739.89,"confidence":0.9370551,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02142747864127159},{"word":"more","start":1739.89,"end":1740.13,"confidence":0.9988624,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.016985595226287842},{"word":"on","start":1740.13,"end":1740.29,"confidence":0.9814113,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.012184731662273409},{"word":"the","start":1740.29,"end":1740.37,"confidence":0.9983259,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01021035760641098},{"word":"north","start":1740.37,"end":1740.69,"confidence":0.9698464,"punctuated_word":"north","sentiment":"neutral","sentiment_score":-0.011777115985751152},{"word":"side","start":1740.69,"end":1740.93,"confidence":0.9857379,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.009748199954628944},{"word":"or","start":1740.93,"end":1741.17,"confidence":0.996741,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.012295152992010117},{"word":"south","start":1741.17,"end":1741.41,"confidence":0.98115563,"punctuated_word":"south","sentiment":"neutral","sentiment_score":-0.010577157139778135},{"word":"side","start":1741.41,"end":1741.65,"confidence":0.99780995,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.008518274873495102},{"word":"of","start":1741.65,"end":1741.8099,"confidence":0.989758,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.008938927203416824},{"word":"maybe","start":1741.8099,"end":1742.13,"confidence":0.940644,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.013626499101519585},{"word":"a","start":1742.13,"end":1742.21,"confidence":0.99545693,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008284333162009716},{"word":"100,000","start":1742.21,"end":1743.03,"confidence":0.9986819,"punctuated_word":"100,000?","sentiment":"neutral","sentiment_score":-0.014742887578904629},{"word":"that's","start":1755.5449,"end":1755.865,"confidence":0.9510014,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07513310015201569},{"word":"okay","start":1755.865,"end":1756.365,"confidence":0.9985116,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.10645225644111632},{"word":"yep","start":1760.58,"end":1760.9,"confidence":0.997742,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.028631627559661865},{"word":"yep","start":1760.9,"end":1761.22,"confidence":0.9989295,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04852161929011345},{"word":"that's","start":1761.22,"end":1761.54,"confidence":0.9996046,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10039545595645905},{"word":"okay","start":1761.54,"end":1762.02,"confidence":0.99951833,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10225337743759157},{"word":"not","start":1762.02,"end":1762.26,"confidence":0.9994956,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.1375601887702942},{"word":"a","start":1762.26,"end":1762.42,"confidence":0.99989367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09691905230283736},{"word":"problem","start":1762.42,"end":1762.74,"confidence":0.9975132,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.0998927503824234},{"word":"so","start":1762.74,"end":1762.9,"confidence":0.9992567,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05328153073787689},{"word":"i'll","start":1762.9,"end":1762.98,"confidence":0.9995649,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05790995806455612},{"word":"just","start":1762.98,"end":1763.22,"confidence":0.9989737,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06147723272442818},{"word":"put","start":1763.22,"end":1763.38,"confidence":0.9957075,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0487593337893486},{"word":"down","start":1763.38,"end":1763.54,"confidence":0.99252445,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05937475711107254},{"word":"here","start":1763.54,"end":1763.86,"confidence":0.9991892,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.051381465047597885},{"word":"approximate","start":1763.86,"end":1764.34,"confidence":0.77372307,"punctuated_word":"approximate","sentiment":"neutral","sentiment_score":0.02632874995470047},{"word":"between","start":1764.34,"end":1764.66,"confidence":0.8985922,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.03082359209656715},{"word":"say","start":1764.66,"end":1764.98,"confidence":0.9887185,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.037878043949604034},{"word":"maybe","start":1764.98,"end":1765.22,"confidence":0.99886334,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.03207900747656822},{"word":"50","start":1765.22,"end":1765.54,"confidence":0.97283643,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.043851934373378754},{"word":"to","start":1765.54,"end":1765.7,"confidence":0.98289526,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0282407496124506},{"word":"a","start":1765.7,"end":1765.86,"confidence":0.9918216,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04414674639701843},{"word":"100,000","start":1765.86,"end":1766.68,"confidence":0.99946725,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.039535485208034515},{"word":"just","start":1767.06,"end":1767.22,"confidence":0.7154232,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03455265611410141},{"word":"so","start":1767.22,"end":1767.38,"confidence":0.99979895,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03868064284324646},{"word":"we","start":1767.38,"end":1767.54,"confidence":0.9997608,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04543356969952583},{"word":"can","start":1767.54,"end":1767.7,"confidence":0.9996581,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04308515787124634},{"word":"sort","start":1767.7,"end":1767.86,"confidence":0.99430084,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05171418935060501},{"word":"of","start":1767.86,"end":1768.02,"confidence":0.9991511,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026884187012910843},{"word":"really","start":1768.02,"end":1768.26,"confidence":0.9992423,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.055852364748716354},{"word":"get","start":1768.26,"end":1768.5,"confidence":0.997601,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.047573961317539215},{"word":"into","start":1768.5,"end":1768.74,"confidence":0.99961936,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.05082828924059868},{"word":"the","start":1768.74,"end":1768.9,"confidence":0.99879223,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06137746572494507},{"word":"retirement","start":1768.9,"end":1769.3,"confidence":0.99781764,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.05331431329250336},{"word":"side","start":1769.3,"end":1769.54,"confidence":0.9977125,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.07259748876094818},{"word":"of","start":1769.54,"end":1769.7,"confidence":0.9992811,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08103501796722412},{"word":"things","start":1769.7,"end":1769.94,"confidence":0.9994979,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08508166670799255},{"word":"and","start":1769.94,"end":1770.1,"confidence":0.984475,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0553269237279892},{"word":"sort","start":1770.1,"end":1770.34,"confidence":0.99706143,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.040753014385700226},{"word":"of","start":1770.34,"end":1770.42,"confidence":0.8065998,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06506814062595367},{"word":"show","start":1770.42,"end":1770.58,"confidence":0.9996414,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.051760993897914886},{"word":"you","start":1770.58,"end":1770.82,"confidence":0.9998485,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08399959653615952},{"word":"what","start":1770.82,"end":1770.98,"confidence":0.99982786,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08658945560455322},{"word":"we're","start":1770.98,"end":1771.335,"confidence":0.9991206,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07997531443834305},{"word":"hoping","start":1771.495,"end":1771.815,"confidence":0.9996805,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.08129145205020905},{"word":"or","start":1771.815,"end":1772.135,"confidence":0.9923793,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09329991042613985},{"word":"expecting","start":1772.135,"end":1772.635,"confidence":0.9992355,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":0.0493537001311779},{"word":"based","start":1772.855,"end":1773.255,"confidence":0.99858284,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.0524417981505394},{"word":"on","start":1773.255,"end":1773.4149,"confidence":0.9998728,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07348896563053131},{"word":"the","start":1773.4149,"end":1773.575,"confidence":0.9994287,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.062025975435972214},{"word":"projected","start":1773.575,"end":1774.075,"confidence":0.9995703,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.0449332669377327},{"word":"outcome","start":1774.215,"end":1774.5349,"confidence":0.95019346,"punctuated_word":"outcome.","sentiment":"neutral","sentiment_score":0.044118426740169525},{"word":"and","start":1774.5349,"end":1774.7749,"confidence":0.99955326,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02617242932319641},{"word":"often","start":1774.7749,"end":1775.095,"confidence":0.66285044,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.0348399356007576},{"word":"because","start":1775.095,"end":1775.4149,"confidence":0.6617054,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.02003096044063568},{"word":"you","start":1775.4149,"end":1775.575,"confidence":0.9994887,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04411835223436355},{"word":"are","start":1775.575,"end":1775.815,"confidence":0.99987316,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0362582691013813},{"word":"a","start":1775.815,"end":1775.895,"confidence":0.99666804,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026619011536240578},{"word":"couple","start":1775.895,"end":1776.395,"confidence":0.9988978,"punctuated_word":"couple,","sentiment":"neutral","sentiment_score":0.013959746807813644},{"word":"your","start":1776.7749,"end":1777.015,"confidence":0.74624944,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01695236563682556},{"word":"partner's","start":1777.015,"end":1777.515,"confidence":0.9728683,"punctuated_word":"partner's","sentiment":"neutral","sentiment_score":0.005548303481191397},{"word":"sort","start":1777.895,"end":1778.135,"confidence":0.67792946,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.015554279088974},{"word":"of","start":1778.135,"end":1778.375,"confidence":0.9805181,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.003489576280117035},{"word":"circumstances","start":1778.375,"end":1778.875,"confidence":0.9960665,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.009662367403507233},{"word":"can","start":1779.095,"end":1779.335,"confidence":0.9992157,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.002156950533390045},{"word":"be","start":1779.335,"end":1779.495,"confidence":0.9997255,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.007471725344657898},{"word":"a","start":1779.495,"end":1779.575,"confidence":0.99927944,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.002777785062789917},{"word":"big","start":1779.575,"end":1779.815,"confidence":0.99836797,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.014325954020023346},{"word":"part","start":1779.815,"end":1779.975,"confidence":0.9996438,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.033678002655506134},{"word":"of","start":1779.975,"end":1780.0549,"confidence":0.99952745,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02575031667947769},{"word":"that","start":1780.0549,"end":1780.2949,"confidence":0.99455625,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.030806776136159897},{"word":"and","start":1780.2949,"end":1780.455,"confidence":0.97769266,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06444002687931061},{"word":"later","start":1780.455,"end":1780.7749,"confidence":0.97840446,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.07362775504589081},{"word":"on","start":1780.7749,"end":1780.9349,"confidence":0.99740356,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06109115853905678},{"word":"down","start":1780.9349,"end":1781.095,"confidence":0.99694675,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07473547011613846},{"word":"the","start":1781.095,"end":1781.1749,"confidence":0.99764234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0716734230518341},{"word":"track","start":1781.1749,"end":1781.495,"confidence":0.9439732,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.06275762617588043},{"word":"if","start":1781.495,"end":1781.6549,"confidence":0.99943846,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06836576759815216},{"word":"you","start":1781.6549,"end":1781.735,"confidence":0.99978393,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06875939667224884},{"word":"wanted","start":1781.735,"end":1782.0549,"confidence":0.96443796,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.05839784815907478},{"word":"me","start":1782.0549,"end":1782.215,"confidence":0.9994572,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06407591700553894},{"word":"to","start":1782.215,"end":1782.375,"confidence":0.994907,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.06857180595397949},{"word":"we","start":1782.375,"end":1782.615,"confidence":0.9995121,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0846838504076004},{"word":"could","start":1782.615,"end":1782.7749,"confidence":0.9996567,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.11136117577552795},{"word":"always","start":1782.7749,"end":1783.2749,"confidence":0.9996025,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.10985378921031952},{"word":"have","start":1783.51,"end":1783.75,"confidence":0.9995623,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10374867171049118},{"word":"a","start":1783.75,"end":1783.83,"confidence":0.9954882,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08352801203727722},{"word":"chat","start":1783.83,"end":1783.95,"confidence":0.9952798,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.11413954198360445},{"word":"to","start":1783.95,"end":1784.07,"confidence":0.95446,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09348993003368378},{"word":"her","start":1784.07,"end":1784.3099,"confidence":0.99974614,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.06353116035461426},{"word":"as","start":1784.3099,"end":1784.5499,"confidence":0.99917716,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08673641830682755},{"word":"well","start":1784.5499,"end":1784.71,"confidence":0.91795284,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.09549390524625778},{"word":"maybe","start":1784.71,"end":1785.03,"confidence":0.9989102,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.09177902340888976},{"word":"incorporate","start":1785.03,"end":1785.4299,"confidence":0.98459965,"punctuated_word":"incorporate","sentiment":"neutral","sentiment_score":0.0796256810426712},{"word":"and","start":1785.4299,"end":1785.59,"confidence":0.9447057,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09599602967500688},{"word":"do","start":1785.59,"end":1785.75,"confidence":0.99730515,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12111129611730576},{"word":"some","start":1785.75,"end":1785.91,"confidence":0.99678254,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10591493546962738},{"word":"joint","start":1785.91,"end":1786.23,"confidence":0.98694336,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.08096165955066681},{"word":"advice","start":1786.23,"end":1786.63,"confidence":0.9924908,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.10284048318862916},{"word":"to","start":1786.63,"end":1786.7899,"confidence":0.9882464,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.125804603099823},{"word":"sorta","start":1786.7899,"end":1787.11,"confidence":0.80089056,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.12963858246803284},{"word":"help","start":1787.11,"end":1787.35,"confidence":0.99943036,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.1610218733549118},{"word":"you","start":1787.35,"end":1787.51,"confidence":0.9998234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13524994254112244},{"word":"guys","start":1787.51,"end":1787.91,"confidence":0.9987979,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.128213569521904},{"word":"along","start":1787.91,"end":1788.23,"confidence":0.98142695,"punctuated_word":"along.","sentiment":"neutral","sentiment_score":0.08799691498279572},{"word":"so","start":1788.23,"end":1788.73,"confidence":0.9990497,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03858248516917229},{"word":"but","start":1789.19,"end":1789.4299,"confidence":0.9840529,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03981359675526619},{"word":"for","start":1789.4299,"end":1789.51,"confidence":0.9681503,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02583741769194603},{"word":"the","start":1789.51,"end":1789.6699,"confidence":0.9997973,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02563103288412094},{"word":"moment","start":1789.6699,"end":1789.99,"confidence":0.99572766,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.04719638079404831},{"word":"we'll","start":1789.99,"end":1790.23,"confidence":0.99960387,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.05691006034612656},{"word":"just","start":1790.23,"end":1790.71,"confidence":0.99972385,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07350081950426102},{"word":"work","start":1790.71,"end":1790.95,"confidence":0.9974847,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.06738971173763275},{"word":"on","start":1790.95,"end":1791.19,"confidence":0.9997814,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08589287102222443},{"word":"this","start":1791.19,"end":1791.4299,"confidence":0.98542607,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.0755588561296463},{"word":"yeah","start":1791.4299,"end":1791.83,"confidence":0.99949545,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20111526548862457},{"word":"absolutely","start":1791.83,"end":1792.33,"confidence":0.999841,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.35669970512390137},{"word":"perfect","start":1792.71,"end":1793.21,"confidence":0.9994775,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.31899112462997437},{"word":"and","start":1793.99,"end":1794.07,"confidence":0.944833,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0043790084309875965},{"word":"you","start":1794.07,"end":1794.23,"confidence":0.8291648,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0018191784620285032},{"word":"guys","start":1794.23,"end":1794.47,"confidence":0.8732914,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.003727753413841128},{"word":"do","start":1794.47,"end":1794.63,"confidence":0.9995141,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0011830730363726616},{"word":"you","start":1794.63,"end":1794.7899,"confidence":0.99915457,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0016578715294599533},{"word":"have","start":1794.7899,"end":1794.95,"confidence":0.99900824,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.00020318804308772087},{"word":"any","start":1794.95,"end":1795.45,"confidence":0.9987903,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0005613989196717739},{"word":"kids","start":1795.75,"end":1795.83,"confidence":0.94361955,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.00026686955243349075},{"word":"living","start":1795.83,"end":1796.03,"confidence":0.9893483,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.003698683343827725},{"word":"at","start":1796.03,"end":1796.23,"confidence":0.9893126,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.007104523479938507},{"word":"home","start":1796.23,"end":1796.39,"confidence":0.87754583,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":-0.004890287294983864},{"word":"i","start":1796.39,"end":1796.5499,"confidence":0.99938774,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04894832894206047},{"word":"don't","start":1796.5499,"end":1796.71,"confidence":0.999521,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.060768794268369675},{"word":"i've","start":1796.7899,"end":1796.87,"confidence":0.9995795,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.06700319796800613},{"word":"got","start":1796.87,"end":1797.11,"confidence":0.9989833,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0971563532948494},{"word":"down","start":1797.11,"end":1797.35,"confidence":0.96266466,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.05809074267745018},{"word":"here","start":1797.35,"end":1797.59,"confidence":0.6910012,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.07557158917188644},{"word":"there's","start":1797.59,"end":1797.83,"confidence":0.9963024,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.07333264499902725},{"word":"no","start":1797.83,"end":1797.99,"confidence":0.99795914,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.08303454518318176},{"word":"financial","start":1797.99,"end":1798.49,"confidence":0.99062246,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.08654365688562393},{"word":"dependents","start":1798.605,"end":1799.085,"confidence":0.74293137,"punctuated_word":"dependents","sentiment":"neutral","sentiment_score":-0.09854523837566376},{"word":"living","start":1799.085,"end":1799.585,"confidence":0.9989458,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.062172312289476395},{"word":"at","start":1801.405,"end":1801.485,"confidence":0.99803,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.037689801305532455},{"word":"home","start":1801.485,"end":1801.8049,"confidence":0.8222345,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.04231943190097809},{"word":"no","start":1801.8049,"end":1802.3049,"confidence":0.5697216,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.05980345606803894},{"word":"perfect","start":1802.9249,"end":1803.4249,"confidence":0.9899378,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4457883834838867},{"word":"lovely","start":1803.645,"end":1804.145,"confidence":0.99472463,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.5645723342895508},{"word":"excellent","start":1805.405,"end":1805.905,"confidence":0.9977989,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5786025524139404},{"word":"and","start":1807.485,"end":1807.985,"confidence":0.9203873,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4611774682998657},{"word":"i've","start":1808.765,"end":1808.9249,"confidence":0.8032311,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.47406667470932007},{"word":"got","start":1808.9249,"end":1809.0449,"confidence":0.99094397,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3497246205806732},{"word":"so","start":1809.165,"end":1809.405,"confidence":0.59807754,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.31670013070106506},{"word":"three","start":1809.405,"end":1809.645,"confidence":0.817011,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.25936049222946167},{"word":"days","start":1809.645,"end":1809.885,"confidence":0.99950373,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.1806299239397049},{"word":"a","start":1809.885,"end":1809.965,"confidence":0.99835664,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25251179933547974},{"word":"week","start":1809.965,"end":1810.125,"confidence":0.86474895,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.2859310507774353},{"word":"i've","start":1810.125,"end":1810.285,"confidence":0.9987525,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.3847511410713196},{"word":"got","start":1810.285,"end":1810.525,"confidence":0.9994247,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.38216158747673035},{"word":"your","start":1810.525,"end":1810.6849,"confidence":0.9970891,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.40797874331474304},{"word":"income","start":1810.6849,"end":1811.005,"confidence":0.96108526,"punctuated_word":"income.","sentiment":"positive","sentiment_score":0.3918323516845703},{"word":"everything's","start":1811.005,"end":1811.505,"confidence":0.97274005,"punctuated_word":"Everything's","sentiment":"positive","sentiment_score":0.6037277579307556},{"word":"perfect","start":1811.565,"end":1812.0449,"confidence":0.9995863,"punctuated_word":"perfect","sentiment":"positive","sentiment_score":0.6224472522735596},{"word":"there","start":1812.0449,"end":1812.54,"confidence":0.9982077,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.5376030206680298},{"word":"next","start":1812.9401,"end":1813.1001,"confidence":0.9938344,"punctuated_word":"Next","sentiment":"neutral","sentiment_score":0.052730124443769455},{"word":"thing","start":1813.1001,"end":1813.3401,"confidence":0.99830437,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04069172590970993},{"word":"to","start":1813.3401,"end":1813.5,"confidence":0.982479,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02494964189827442},{"word":"sort","start":1813.5,"end":1813.66,"confidence":0.99425346,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.019812345504760746},{"word":"of","start":1813.66,"end":1813.74,"confidence":0.6469148,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020020117983222008},{"word":"consider","start":1813.74,"end":1814.14,"confidence":0.99938834,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.015219775959849358},{"word":"is","start":1814.14,"end":1814.38,"confidence":0.99673563,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.011097494512796402},{"word":"how","start":1814.38,"end":1814.46,"confidence":0.6701622,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.003896748647093773},{"word":"just","start":1814.54,"end":1814.78,"confidence":0.9833944,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.014126516878604887},{"word":"having","start":1814.78,"end":1815.02,"confidence":0.99595106,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.0012385696172714231},{"word":"a","start":1815.02,"end":1815.18,"confidence":0.98838973,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012609146535396576},{"word":"look","start":1815.18,"end":1815.5801,"confidence":0.99978167,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.013162069022655489},{"word":"at","start":1815.5801,"end":1815.74,"confidence":0.9997596,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.013482239097356796},{"word":"your","start":1815.74,"end":1816.24,"confidence":0.99987996,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.014534607529640198},{"word":"regular","start":1816.38,"end":1816.88,"confidence":0.9999535,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.014108728617429732},{"word":"so","start":1817.42,"end":1817.66,"confidence":0.51621026,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03648139163851738},{"word":"your","start":1817.66,"end":1817.9,"confidence":0.99028325,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01759711280465126},{"word":"assets","start":1817.9,"end":1818.3,"confidence":0.9994754,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.005239635705947876},{"word":"and","start":1818.3,"end":1818.4601,"confidence":0.9629982,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01240100897848606},{"word":"how","start":1818.4601,"end":1818.62,"confidence":0.9999218,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0003731958568096161},{"word":"they","start":1818.62,"end":1818.86,"confidence":0.9995215,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.006271056830883026},{"word":"may","start":1818.86,"end":1819.02,"confidence":0.999597,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.01690397411584854},{"word":"have","start":1819.02,"end":1819.18,"confidence":0.9995198,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.020023906603455544},{"word":"changed","start":1819.18,"end":1819.5,"confidence":0.99749064,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.006662294268608093},{"word":"from","start":1819.5,"end":1820.0,"confidence":0.7567597,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.02030952274799347},{"word":"we","start":1820.3,"end":1820.4601,"confidence":0.96063405,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.007808275520801544},{"word":"when","start":1820.54,"end":1820.78,"confidence":0.99971503,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.006054554134607315},{"word":"we","start":1820.78,"end":1820.9401,"confidence":0.9991708,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0071660540997982025},{"word":"spoke","start":1820.9401,"end":1821.26,"confidence":0.9992737,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.012913893908262253},{"word":"last","start":1821.26,"end":1821.5801,"confidence":0.99965453,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0044975075870752335},{"word":"year","start":1821.5801,"end":1821.98,"confidence":0.9427097,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.001443963497877121},{"word":"so","start":1821.98,"end":1822.14,"confidence":0.99898547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006669646129012108},{"word":"i","start":1822.14,"end":1822.3,"confidence":0.99734986,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006021035835146904},{"word":"have","start":1822.3,"end":1822.4601,"confidence":0.99963236,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0047200024127960205},{"word":"done","start":1822.4601,"end":1822.7001,"confidence":0.54657024,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.003525109961628914},{"word":"here","start":1822.7001,"end":1822.86,"confidence":0.998321,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.006578406319022179},{"word":"you've","start":1822.86,"end":1823.1001,"confidence":0.81856596,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.006098044570535421},{"word":"got","start":1823.1001,"end":1823.26,"confidence":0.9988745,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.008513646200299263},{"word":"a","start":1823.26,"end":1823.5801,"confidence":0.9979741,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009342202916741371},{"word":"ute","start":1823.5801,"end":1823.98,"confidence":0.99181706,"punctuated_word":"ute.","sentiment":"neutral","sentiment_score":0.0042068082839250565},{"word":"we","start":1823.98,"end":1824.14,"confidence":0.96896577,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.007960552349686623},{"word":"had","start":1824.14,"end":1824.38,"confidence":0.97841257,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.00180218368768692},{"word":"an","start":1824.38,"end":1824.54,"confidence":0.9990907,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.005203148350119591},{"word":"asset","start":1824.54,"end":1824.9401,"confidence":0.9983309,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.005445336923003197},{"word":"value","start":1824.9401,"end":1825.26,"confidence":0.9995484,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.013497594743967056},{"word":"there","start":1825.26,"end":1825.5801,"confidence":0.99014026,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0011786706745624542},{"word":"of","start":1825.5801,"end":1825.8201,"confidence":0.9985543,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003579813987016678},{"word":"about","start":1825.8201,"end":1826.3201,"confidence":0.999716,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.003118012100458145},{"word":"10,000","start":1826.38,"end":1827.12,"confidence":0.99809206,"punctuated_word":"10,000.","sentiment":"neutral","sentiment_score":0.00023737363517284393},{"word":"if","start":1827.7849,"end":1827.945,"confidence":0.99434054,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0013331901282072067},{"word":"you","start":1827.945,"end":1828.105,"confidence":0.9997483,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0015835054218769071},{"word":"had","start":1828.105,"end":1828.345,"confidence":0.9986222,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0056924037635326385},{"word":"to","start":1828.345,"end":1828.4249,"confidence":0.9965127,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006805244833230972},{"word":"sell","start":1828.4249,"end":1828.745,"confidence":0.9987149,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.011985819786787031},{"word":"your","start":1828.745,"end":1829.145,"confidence":0.99336845,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.00922674499452114},{"word":"ute","start":1829.145,"end":1829.385,"confidence":0.99603444,"punctuated_word":"ute,","sentiment":"neutral","sentiment_score":-0.003931277897208929},{"word":"what","start":1829.385,"end":1829.625,"confidence":0.99968445,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.013139629736542702},{"word":"sort","start":1829.625,"end":1829.865,"confidence":0.997872,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.016762439161539078},{"word":"of","start":1829.865,"end":1829.945,"confidence":0.99967325,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013669237494468687},{"word":"value","start":1829.945,"end":1830.265,"confidence":0.9997814,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.02568843588232994},{"word":"do","start":1830.265,"end":1830.4249,"confidence":0.9988626,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02192668989300728},{"word":"you","start":1830.4249,"end":1830.585,"confidence":0.9995378,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01166701316833496},{"word":"think","start":1830.585,"end":1830.745,"confidence":0.9998641,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.023695187643170357},{"word":"you","start":1830.745,"end":1830.9049,"confidence":0.99882954,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010363424196839333},{"word":"might","start":1830.9049,"end":1831.145,"confidence":0.99993706,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.006832573562860489},{"word":"be","start":1831.145,"end":1831.3049,"confidence":0.99976057,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.017964782193303108},{"word":"able","start":1831.3049,"end":1831.4249,"confidence":0.9997842,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.012082706205546856},{"word":"to","start":1831.4249,"end":1831.5449,"confidence":0.9982346,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017123937606811523},{"word":"get","start":1831.5449,"end":1831.7849,"confidence":0.99945897,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0182135496288538},{"word":"for","start":1831.7849,"end":1831.945,"confidence":0.9485904,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03172776475548744},{"word":"that","start":1831.945,"end":1832.445,"confidence":0.99927104,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.027661297470331192},{"word":"okay","start":1837.465,"end":1837.965,"confidence":0.97939473,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.02137867547571659},{"word":"yep","start":1838.105,"end":1838.605,"confidence":0.99002814,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.007778089493513107},{"word":"okay","start":1844.12,"end":1844.62,"confidence":0.99790215,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.004024202935397625},{"word":"'15","start":1845.72,"end":1846.22,"confidence":0.93007594,"punctuated_word":"'15.","sentiment":"neutral","sentiment_score":0.004154843278229237},{"word":"beautiful","start":1846.36,"end":1846.76,"confidence":0.9996204,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.09040705859661102},{"word":"what","start":1846.76,"end":1847.0,"confidence":0.99963427,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.01461822260171175},{"word":"kind","start":1847.0,"end":1847.16,"confidence":0.8555417,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01543494500219822},{"word":"of","start":1847.16,"end":1847.24,"confidence":0.9989009,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020451348274946213},{"word":"year","start":1847.24,"end":1847.48,"confidence":0.89191747,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.026176447048783302},{"word":"is","start":1847.48,"end":1847.5599,"confidence":0.94934124,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02427816018462181},{"word":"it","start":1847.5599,"end":1848.0599,"confidence":0.9988619,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.021984070539474487},{"word":"okay","start":1851.16,"end":1851.64,"confidence":0.99918234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06892561167478561},{"word":"perfect","start":1851.64,"end":1852.14,"confidence":0.9996891,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.15393641591072085},{"word":"beautiful","start":1854.7749,"end":1855.255,"confidence":0.95230937,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2053147852420807},{"word":"'16","start":1855.255,"end":1855.755,"confidence":0.7389536,"punctuated_word":"'16.","sentiment":"neutral","sentiment_score":0.04835435375571251},{"word":"excellent","start":1856.215,"end":1856.715,"confidence":0.9997814,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.26957643032073975},{"word":"thank","start":1856.855,"end":1857.095,"confidence":0.99978894,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.399929404258728},{"word":"you","start":1857.095,"end":1857.335,"confidence":0.9999682,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.40347084403038025},{"word":"for","start":1857.335,"end":1857.495,"confidence":0.9999397,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3830322027206421},{"word":"that","start":1857.495,"end":1857.995,"confidence":0.9976829,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.31797367334365845},{"word":"and","start":1858.855,"end":1859.095,"confidence":0.77941054,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.024254407733678814},{"word":"i","start":1859.095,"end":1859.335,"confidence":0.9995413,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01746644638478756},{"word":"also","start":1859.335,"end":1859.575,"confidence":0.9975319,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.012801218777894974},{"word":"had","start":1859.575,"end":1859.815,"confidence":0.98955816,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.013146484270691872},{"word":"it","start":1859.815,"end":1859.8949,"confidence":0.9927006,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015337156131863594},{"word":"noted","start":1859.8949,"end":1860.215,"confidence":0.999405,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.02334282360970974},{"word":"here","start":1860.215,"end":1860.455,"confidence":0.99907553,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.016128601506352425},{"word":"you","start":1860.455,"end":1860.615,"confidence":0.7835182,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00858624279499054},{"word":"had","start":1860.615,"end":1860.7749,"confidence":0.99211067,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.006850384175777435},{"word":"a","start":1860.7749,"end":1860.855,"confidence":0.9994079,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012138387188315392},{"word":"boat","start":1860.855,"end":1861.095,"confidence":0.9989504,"punctuated_word":"boat","sentiment":"neutral","sentiment_score":0.019737787544727325},{"word":"with","start":1861.095,"end":1861.255,"confidence":0.9999094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01232362724840641},{"word":"an","start":1861.255,"end":1861.4149,"confidence":0.99989533,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.014057708904147148},{"word":"asset","start":1861.4149,"end":1861.815,"confidence":0.9996051,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.01845763437449932},{"word":"value","start":1861.815,"end":1862.1349,"confidence":0.9997576,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.01415611244738102},{"word":"of","start":1862.1349,"end":1862.2949,"confidence":0.99993277,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021164584904909137},{"word":"about","start":1862.2949,"end":1862.695,"confidence":0.9995683,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.005964899435639381},{"word":"30,000","start":1862.695,"end":1863.4149,"confidence":0.9993893,"punctuated_word":"30,000.","sentiment":"neutral","sentiment_score":0.014739049598574638},{"word":"do","start":1863.4149,"end":1863.575,"confidence":0.99969566,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.001314820721745491},{"word":"you","start":1863.575,"end":1863.735,"confidence":0.9999187,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009506704285740852},{"word":"still","start":1863.735,"end":1863.975,"confidence":0.9999409,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.004875011742115021},{"word":"have","start":1863.975,"end":1864.215,"confidence":0.9999095,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009724166244268416},{"word":"your","start":1864.215,"end":1864.455,"confidence":0.9995184,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.005707630887627602},{"word":"boat","start":1864.455,"end":1864.695,"confidence":0.9995783,"punctuated_word":"boat","sentiment":"neutral","sentiment_score":0.006879422813653946},{"word":"there","start":1864.695,"end":1865.195,"confidence":0.91266084,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.0064972275868058205},{"word":"yep","start":1866.7,"end":1867.1799,"confidence":0.72573406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04582908749580383},{"word":"beautiful","start":1867.1799,"end":1867.58,"confidence":0.99514425,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.11520901322364809},{"word":"do","start":1867.58,"end":1867.74,"confidence":0.9986731,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.020128672942519188},{"word":"you","start":1867.74,"end":1867.9,"confidence":0.999684,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03007351979613304},{"word":"get","start":1867.9,"end":1868.0599,"confidence":0.9996811,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0233761016279459},{"word":"out","start":1868.0599,"end":1868.2999,"confidence":0.98909444,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.029935145750641823},{"word":"very","start":1868.2999,"end":1868.5399,"confidence":0.9988996,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.014841791242361069},{"word":"often","start":1868.5399,"end":1868.86,"confidence":0.9998087,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.023004019632935524},{"word":"in","start":1868.86,"end":1869.02,"confidence":0.98235106,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.009720202535390854},{"word":"it","start":1869.02,"end":1869.52,"confidence":0.9989215,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.00518160592764616},{"word":"absolutely","start":1877.915,"end":1878.415,"confidence":0.79615855,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.01993447169661522},{"word":"do","start":1879.275,"end":1879.4349,"confidence":0.8424409,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.019029999151825905},{"word":"you","start":1879.4349,"end":1879.6749,"confidence":0.9998011,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011613110080361366},{"word":"still","start":1879.6749,"end":1879.995,"confidence":0.99938786,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.01819167658686638},{"word":"think","start":1879.995,"end":1880.235,"confidence":0.99963796,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.01483265869319439},{"word":"the","start":1880.235,"end":1880.475,"confidence":0.92229706,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012535065412521362},{"word":"evoque","start":1880.475,"end":1880.875,"confidence":0.6261211,"punctuated_word":"Evoque","sentiment":"neutral","sentiment_score":-0.007301466539502144},{"word":"and","start":1880.875,"end":1881.195,"confidence":0.9954217,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.013523288071155548},{"word":"moda","start":1881.195,"end":1881.595,"confidence":0.80955285,"punctuated_word":"Moda","sentiment":"neutral","sentiment_score":0.0000737607479095459},{"word":"sort","start":1881.595,"end":1881.835,"confidence":0.53177106,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.014387954026460648},{"word":"of","start":1881.835,"end":1882.075,"confidence":0.756088,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.008975042030215263},{"word":"all","start":1882.075,"end":1882.235,"confidence":0.9520898,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0025529153645038605},{"word":"combined","start":1882.235,"end":1882.715,"confidence":0.99600154,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":-0.014526080340147018},{"word":"might","start":1882.715,"end":1882.875,"confidence":0.978674,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.020439613610506054},{"word":"be","start":1882.875,"end":1883.035,"confidence":0.99431723,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.015474684536457062},{"word":"still","start":1883.035,"end":1883.195,"confidence":0.99225664,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.025539644062519073},{"word":"around","start":1883.195,"end":1883.4349,"confidence":0.99650156,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.007515531033277512},{"word":"that","start":1883.4349,"end":1883.595,"confidence":0.9797136,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0032728835940361023},{"word":"$30,000","start":1883.595,"end":1884.5549,"confidence":0.9968288,"punctuated_word":"$30,000","sentiment":"neutral","sentiment_score":-0.009349483996629717},{"word":"mark","start":1884.5549,"end":1884.7949,"confidence":0.8049468,"punctuated_word":"mark,","sentiment":"neutral","sentiment_score":-0.018611975014209747},{"word":"or","start":1884.7949,"end":1884.955,"confidence":0.99942183,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.033416181802749634},{"word":"might","start":1884.955,"end":1885.115,"confidence":0.99886,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.017466265708208084},{"word":"you","start":1885.115,"end":1885.355,"confidence":0.99865735,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01979587599635124},{"word":"alter","start":1885.355,"end":1885.6749,"confidence":0.9751913,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":-0.008077561855316162},{"word":"that","start":1885.6749,"end":1885.995,"confidence":0.9989531,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012113559991121292},{"word":"asset","start":1885.995,"end":1886.495,"confidence":0.99815255,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.022781938314437863},{"word":"value","start":1887.195,"end":1887.695,"confidence":0.9910053,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.030044320970773697},{"word":"at","start":1887.755,"end":1887.915,"confidence":0.99763834,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04864876717329025},{"word":"all","start":1887.915,"end":1888.415,"confidence":0.99516314,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.025207139551639557},{"word":"the","start":1893.69,"end":1893.85,"confidence":0.90647495,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0008435864001512527},{"word":"same","start":1893.85,"end":1894.17,"confidence":0.76761425,"punctuated_word":"same?","sentiment":"neutral","sentiment_score":0.008686347864568233},{"word":"yep","start":1894.17,"end":1894.57,"confidence":0.9736359,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.046947818249464035},{"word":"perfect","start":1894.57,"end":1895.07,"confidence":0.99491096,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.15165653824806213},{"word":"excellent","start":1895.21,"end":1895.71,"confidence":0.9998542,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.14315539598464966},{"word":"i","start":1896.17,"end":1896.33,"confidence":0.9995758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03371817246079445},{"word":"also","start":1896.33,"end":1896.73,"confidence":0.98763883,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.021369632333517075},{"word":"had","start":1896.73,"end":1896.97,"confidence":0.95104104,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.009247291833162308},{"word":"down","start":1896.97,"end":1897.21,"confidence":0.9144208,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.005208633840084076},{"word":"here","start":1897.21,"end":1897.69,"confidence":0.9992329,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.004856564104557037},{"word":"another","start":1897.69,"end":1898.09,"confidence":0.9966834,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.009047266095876694},{"word":"car","start":1898.09,"end":1898.41,"confidence":0.9923179,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.0013188794255256653},{"word":"that","start":1898.41,"end":1898.57,"confidence":0.9997985,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003290865570306778},{"word":"you","start":1898.57,"end":1898.73,"confidence":0.99986374,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0006450489163398743},{"word":"guys","start":1898.73,"end":1899.05,"confidence":0.99904495,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.0065302178263664246},{"word":"own","start":1899.05,"end":1899.37,"confidence":0.9950284,"punctuated_word":"own.","sentiment":"neutral","sentiment_score":-0.0017469637095928192},{"word":"i'm","start":1899.37,"end":1899.53,"confidence":0.9997627,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03383209928870201},{"word":"sorry","start":1899.53,"end":1899.77,"confidence":0.9922857,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.04712022840976715},{"word":"it","start":1899.77,"end":1899.85,"confidence":0.9823109,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.042671289294958115},{"word":"doesn't","start":1899.85,"end":1900.09,"confidence":0.9999195,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.042036931961774826},{"word":"tell","start":1900.09,"end":1900.25,"confidence":0.9996346,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.04296381399035454},{"word":"me","start":1900.25,"end":1900.41,"confidence":0.9991997,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.05182725191116333},{"word":"what","start":1900.41,"end":1900.65,"confidence":0.99991,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.037385307252407074},{"word":"kind","start":1900.65,"end":1900.8099,"confidence":0.69921744,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.038051798939704895},{"word":"of","start":1900.8099,"end":1900.89,"confidence":0.9947713,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03143232315778732},{"word":"car","start":1900.89,"end":1901.13,"confidence":0.9968196,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.02693380042910576},{"word":"it","start":1901.13,"end":1901.29,"confidence":0.99571437,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.026521723717451096},{"word":"is","start":1901.29,"end":1901.53,"confidence":0.9729413,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.020992383360862732},{"word":"but","start":1901.53,"end":1901.77,"confidence":0.99782014,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.023624200373888016},{"word":"the","start":1901.77,"end":1901.93,"confidence":0.99968386,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026799917221069336},{"word":"asset","start":1901.93,"end":1902.33,"confidence":0.9983429,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.015955597162246704},{"word":"value","start":1902.33,"end":1902.65,"confidence":0.99937195,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.01715029776096344},{"word":"is","start":1902.65,"end":1902.8099,"confidence":0.9836923,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02490326017141342},{"word":"about","start":1902.8099,"end":1903.21,"confidence":0.9981869,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.016083072870969772},{"word":"15,000","start":1903.21,"end":1904.11,"confidence":0.99479616,"punctuated_word":"15,000.","sentiment":"neutral","sentiment_score":-0.0041572581976652145},{"word":"thinking","start":1904.585,"end":1904.985,"confidence":0.9981414,"punctuated_word":"Thinking","sentiment":"neutral","sentiment_score":-0.014495700597763062},{"word":"about","start":1904.985,"end":1905.145,"confidence":0.9051729,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.01749003678560257},{"word":"any","start":1905.145,"end":1905.385,"confidence":0.9996784,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.009098462760448456},{"word":"other","start":1905.385,"end":1905.545,"confidence":0.9989052,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.02143022418022156},{"word":"vehicles","start":1905.545,"end":1906.025,"confidence":0.97699237,"punctuated_word":"vehicles","sentiment":"neutral","sentiment_score":-0.0035616643726825714},{"word":"that","start":1906.025,"end":1906.265,"confidence":0.9998704,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.009494960308074951},{"word":"you","start":1906.265,"end":1906.345,"confidence":0.9998876,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012748707085847856},{"word":"might","start":1906.345,"end":1906.505,"confidence":0.99994576,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.013456452637910845},{"word":"have","start":1906.505,"end":1906.905,"confidence":0.96944153,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.01261625438928604},{"word":"would","start":1906.905,"end":1907.145,"confidence":0.9990728,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.014406275004148483},{"word":"that","start":1907.145,"end":1907.305,"confidence":0.99978954,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007804863154888153},{"word":"be","start":1907.305,"end":1907.545,"confidence":0.9976121,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01733424887061119},{"word":"correct","start":1907.545,"end":1907.865,"confidence":0.85994494,"punctuated_word":"correct,","sentiment":"neutral","sentiment_score":-0.01990803144872189},{"word":"or","start":1907.865,"end":1908.025,"confidence":0.9993186,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03508277237415314},{"word":"would","start":1908.025,"end":1908.265,"confidence":0.9998474,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.016648534685373306},{"word":"you","start":1908.265,"end":1908.425,"confidence":0.9996779,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02495359629392624},{"word":"alter","start":1908.425,"end":1908.665,"confidence":0.997104,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":-0.011387582868337631},{"word":"that","start":1908.665,"end":1908.905,"confidence":0.9994824,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015253201127052309},{"word":"value","start":1908.905,"end":1909.305,"confidence":0.99904376,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.033501166850328445},{"word":"a","start":1909.305,"end":1909.385,"confidence":0.9996363,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.040702201426029205},{"word":"little","start":1909.385,"end":1909.625,"confidence":0.99995124,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.020896971225738525},{"word":"bit","start":1909.625,"end":1910.125,"confidence":0.999275,"punctuated_word":"bit?","sentiment":"neutral","sentiment_score":-0.026745568960905075},{"word":"yep","start":1913.945,"end":1914.445,"confidence":0.93889105,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.016567181795835495},{"word":"yep","start":1919.56,"end":1920.06,"confidence":0.9307838,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.028848743066191673},{"word":"okay","start":1922.28,"end":1922.78,"confidence":0.9593893,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.006892470642924309},{"word":"yeah","start":1924.92,"end":1925.42,"confidence":0.9216642,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14913053810596466},{"word":"you","start":1931.655,"end":1931.975,"confidence":0.9491867,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.24959497153759003},{"word":"could","start":1931.975,"end":1932.2151,"confidence":0.99963164,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.225638747215271},{"word":"do","start":1932.2151,"end":1932.4551,"confidence":0.98982984,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2512557804584503},{"word":"if","start":1932.4551,"end":1932.615,"confidence":0.6727682,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.26234903931617737},{"word":"you","start":1932.615,"end":1932.775,"confidence":0.9992829,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23634417355060575},{"word":"wanted","start":1932.775,"end":1933.0951,"confidence":0.9994875,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2135957032442093},{"word":"to","start":1933.0951,"end":1933.255,"confidence":0.9974759,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19295373558998108},{"word":"access","start":1933.255,"end":1933.5751,"confidence":0.99920565,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.09629347920417786},{"word":"it","start":1933.5751,"end":1933.8151,"confidence":0.7280916,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1560485064983368},{"word":"but","start":1933.8151,"end":1933.975,"confidence":0.9915406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17301376163959503},{"word":"we","start":1933.975,"end":1934.135,"confidence":0.99893266,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22338630259037015},{"word":"could","start":1934.135,"end":1934.4551,"confidence":0.9991904,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2606486678123474},{"word":"utilize","start":1934.4551,"end":1934.855,"confidence":0.99853706,"punctuated_word":"utilize","sentiment":"neutral","sentiment_score":0.23771104216575625},{"word":"that","start":1934.855,"end":1935.0951,"confidence":0.9809286,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35139602422714233},{"word":"transition","start":1935.0951,"end":1935.5951,"confidence":0.6201213,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.2460486739873886},{"word":"retirement","start":1935.735,"end":1936.235,"confidence":0.9275986,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.1712769865989685},{"word":"strategy","start":1936.375,"end":1936.875,"confidence":0.999198,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.2557150423526764},{"word":"this","start":1937.0951,"end":1937.3351,"confidence":0.9682463,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3499763607978821},{"word":"financial","start":1937.3351,"end":1937.8351,"confidence":0.9910557,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.22642163932323456},{"word":"year","start":1937.975,"end":1938.295,"confidence":0.98454964,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.27362769842147827},{"word":"to","start":1938.295,"end":1938.4551,"confidence":0.9982097,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26951223611831665},{"word":"access","start":1938.4551,"end":1938.855,"confidence":0.99974984,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.2264675348997116},{"word":"a","start":1938.855,"end":1939.015,"confidence":0.9990728,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3247230648994446},{"word":"little","start":1939.015,"end":1939.255,"confidence":0.99986637,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2659154534339905},{"word":"bit","start":1939.255,"end":1939.415,"confidence":0.99959487,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3030484616756439},{"word":"of","start":1939.415,"end":1939.5751,"confidence":0.99952567,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3014902174472809},{"word":"the","start":1939.5751,"end":1939.735,"confidence":0.9990978,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27866196632385254},{"word":"money","start":1939.735,"end":1940.235,"confidence":0.9998005,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.26685264706611633},{"word":"to","start":1940.615,"end":1940.775,"confidence":0.7177024,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2930460572242737},{"word":"cover","start":1940.775,"end":1941.015,"confidence":0.9999136,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.24502074718475345},{"word":"the","start":1941.015,"end":1941.175,"confidence":0.99828136,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2699248492717743},{"word":"debt","start":1941.175,"end":1941.415,"confidence":0.9981889,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.14451594650745392},{"word":"if","start":1941.415,"end":1941.5751,"confidence":0.9336475,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.36505722999572754},{"word":"you","start":1941.5751,"end":1941.735,"confidence":0.99932194,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3537013530731201},{"word":"wanted","start":1941.735,"end":1942.135,"confidence":0.9992797,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2614685893058777},{"word":"to","start":1942.135,"end":1942.2151,"confidence":0.99828845,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3267720639705658},{"word":"do","start":1942.2151,"end":1942.375,"confidence":0.9982274,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3132478594779968},{"word":"it","start":1942.375,"end":1942.535,"confidence":0.9968526,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35349082946777344},{"word":"that","start":1942.535,"end":1942.775,"confidence":0.99925715,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3620868027210235},{"word":"way","start":1942.775,"end":1943.015,"confidence":0.84781414,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.29255878925323486},{"word":"and","start":1943.015,"end":1943.255,"confidence":0.9975592,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.27582740783691406},{"word":"then","start":1943.255,"end":1943.495,"confidence":0.998478,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2773948013782501},{"word":"we","start":1943.495,"end":1943.655,"confidence":0.9889071,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.32986128330230713},{"word":"may","start":1943.655,"end":1943.8151,"confidence":0.5943582,"punctuated_word":"may","sentiment":"positive","sentiment_score":0.35932740569114685},{"word":"be","start":1943.8151,"end":1943.975,"confidence":0.75368786,"punctuated_word":"be,","sentiment":"positive","sentiment_score":0.3808162212371826},{"word":"in","start":1943.975,"end":1944.2151,"confidence":0.98965305,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3990369439125061},{"word":"the","start":1944.2151,"end":1944.295,"confidence":0.98909074,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35833340883255005},{"word":"next","start":1944.295,"end":1944.51,"confidence":0.96642804,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.27015677094459534},{"word":"financial","start":1944.75,"end":1945.25,"confidence":0.9987803,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.18005390465259552},{"word":"year","start":1945.39,"end":1945.71,"confidence":0.9663316,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2312958538532257},{"word":"start","start":1945.71,"end":1946.03,"confidence":0.5332652,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2423567771911621},{"word":"it","start":1946.03,"end":1946.1901,"confidence":0.903501,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3468324840068817},{"word":"to","start":1946.1901,"end":1946.35,"confidence":0.98174644,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2777542471885681},{"word":"maybe","start":1946.35,"end":1946.75,"confidence":0.9724734,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.3217546045780182},{"word":"factor","start":1946.75,"end":1947.15,"confidence":0.9560053,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.3024882972240448},{"word":"in","start":1947.15,"end":1947.31,"confidence":0.9963988,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3068098723888397},{"word":"the","start":1947.31,"end":1947.47,"confidence":0.5496762,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29668867588043213},{"word":"changes","start":1947.47,"end":1947.87,"confidence":0.99647105,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.3004142940044403},{"word":"to","start":1947.87,"end":1948.11,"confidence":0.89702576,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2691345512866974},{"word":"contributions","start":1948.11,"end":1948.61,"confidence":0.9869179,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.22104789316654205},{"word":"and","start":1948.83,"end":1948.91,"confidence":0.9602995,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28777429461479187},{"word":"look","start":1948.91,"end":1949.23,"confidence":0.9996674,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2632502317428589},{"word":"at","start":1949.23,"end":1949.39,"confidence":0.9978672,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.32674652338027954},{"word":"that","start":1949.39,"end":1949.63,"confidence":0.9425735,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.38068869709968567},{"word":"as","start":1949.63,"end":1949.79,"confidence":0.99134177,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.33484765887260437},{"word":"a","start":1949.79,"end":1949.95,"confidence":0.9950105,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40774062275886536},{"word":"growth","start":1949.95,"end":1950.27,"confidence":0.9935946,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3514448404312134},{"word":"strategy","start":1950.27,"end":1950.77,"confidence":0.8445904,"punctuated_word":"strategy.","sentiment":"positive","sentiment_score":0.3724783658981323},{"word":"i","start":1951.15,"end":1951.31,"confidence":0.99961495,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7688255906105042},{"word":"can","start":1951.31,"end":1951.55,"confidence":0.9999373,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.7807189226150513},{"word":"absolutely","start":1951.55,"end":1952.05,"confidence":0.9989994,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7517752647399902},{"word":"do","start":1952.11,"end":1952.27,"confidence":0.99975175,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.7163922190666199},{"word":"that","start":1952.27,"end":1952.51,"confidence":0.99996364,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7399157285690308},{"word":"for","start":1952.51,"end":1952.75,"confidence":0.99992263,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7570401430130005},{"word":"you","start":1952.75,"end":1953.25,"confidence":0.9918027,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7429887652397156},{"word":"obviously","start":1954.59,"end":1955.0701,"confidence":0.8308307,"punctuated_word":"Obviously,","sentiment":"positive","sentiment_score":0.36843448877334595},{"word":"taking","start":1955.0701,"end":1955.31,"confidence":0.9991001,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.3092757761478424},{"word":"money","start":1955.31,"end":1955.63,"confidence":0.9935069,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.24859952926635745},{"word":"out","start":1955.63,"end":1955.79,"confidence":0.9992054,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2235911190509796},{"word":"of","start":1955.79,"end":1955.95,"confidence":0.99408394,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2064879983663559},{"word":"super","start":1955.95,"end":1956.35,"confidence":0.78799635,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17588654160499573},{"word":"now","start":1956.35,"end":1956.59,"confidence":0.99221355,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.05955485999584198},{"word":"without","start":1956.59,"end":1957.0701,"confidence":0.99733067,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.03573380410671234},{"word":"replenishing","start":1957.0701,"end":1957.5701,"confidence":0.9995993,"punctuated_word":"replenishing","sentiment":"neutral","sentiment_score":-0.11376021802425385},{"word":"it","start":1957.71,"end":1957.87,"confidence":0.99863064,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06523396074771881},{"word":"back","start":1957.87,"end":1958.11,"confidence":0.80611753,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":-0.04609350860118866},{"word":"it","start":1958.11,"end":1958.445,"confidence":0.9635775,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0067288875579833984},{"word":"does","start":1958.5249,"end":1958.845,"confidence":0.9995877,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0007462948560714722},{"word":"sort","start":1958.845,"end":1958.9249,"confidence":0.98163915,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.002085164189338684},{"word":"of","start":1958.9249,"end":1959.1649,"confidence":0.9992274,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01255759596824646},{"word":"mean","start":1959.1649,"end":1959.565,"confidence":0.9926628,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.03930492699146271},{"word":"that","start":1959.565,"end":1959.8849,"confidence":0.9998324,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03409886360168457},{"word":"you","start":1959.8849,"end":1960.205,"confidence":0.9999441,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11099517345428468},{"word":"are","start":1960.205,"end":1960.445,"confidence":0.99977976,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05311645567417145},{"word":"gonna","start":1960.445,"end":1960.6849,"confidence":0.99967885,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.014054685831069946},{"word":"have","start":1960.6849,"end":1961.005,"confidence":0.99979967,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01408080756664276},{"word":"less","start":1961.005,"end":1961.1649,"confidence":0.9744702,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.038331300020217896},{"word":"in","start":1961.1649,"end":1961.485,"confidence":0.98581886,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03693389892578125},{"word":"super","start":1961.485,"end":1961.985,"confidence":0.72338384,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.05874735116958618},{"word":"but","start":1962.0449,"end":1962.365,"confidence":0.998971,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11100923269987106},{"word":"i","start":1962.365,"end":1962.445,"confidence":0.9998354,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16944251954555511},{"word":"can","start":1962.445,"end":1962.6849,"confidence":0.99979657,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21215583384037015},{"word":"do","start":1962.6849,"end":1962.7649,"confidence":0.999824,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21396805346012115},{"word":"the","start":1962.7649,"end":1962.9249,"confidence":0.99880254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28766462206840515},{"word":"research","start":1962.9249,"end":1963.4249,"confidence":0.99950206,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.24747386574745175},{"word":"around","start":1963.485,"end":1963.8849,"confidence":0.99885285,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.23200993239879608},{"word":"to","start":1963.8849,"end":1964.0449,"confidence":0.9942107,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2718580961227417},{"word":"sort","start":1964.0449,"end":1964.2849,"confidence":0.9885515,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.22957974672317505},{"word":"of","start":1964.2849,"end":1964.7849,"confidence":0.998988,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29348331689834595},{"word":"see","start":1965.005,"end":1965.325,"confidence":0.7055444,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2381368577480316},{"word":"if","start":1965.325,"end":1965.4049,"confidence":0.99963546,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.25147736072540283},{"word":"it's","start":1965.4049,"end":1965.565,"confidence":0.99933136,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2470753043889999},{"word":"gonna","start":1965.565,"end":1965.8849,"confidence":0.9981679,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.25629863142967224},{"word":"provide","start":1965.8849,"end":1966.205,"confidence":0.998711,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.34688806533813477},{"word":"greater","start":1966.205,"end":1966.605,"confidence":0.9905094,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.29431551694869995},{"word":"growth","start":1966.605,"end":1966.845,"confidence":0.99908555,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5381331443786621},{"word":"if","start":1966.845,"end":1967.005,"confidence":0.9925672,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.41546210646629333},{"word":"we","start":1967.005,"end":1967.1649,"confidence":0.9996929,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3280889391899109},{"word":"start","start":1967.1649,"end":1967.485,"confidence":0.9987404,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.3071059286594391},{"word":"that","start":1967.485,"end":1967.725,"confidence":0.9739457,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4301290512084961},{"word":"around","start":1967.725,"end":1968.125,"confidence":0.99964297,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.32937729358673096},{"word":"july","start":1968.125,"end":1968.605,"confidence":0.9981538,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":0.25430828332901},{"word":"would","start":1968.605,"end":1968.7649,"confidence":0.99964404,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.21534016728401184},{"word":"that","start":1968.7649,"end":1969.005,"confidence":0.99991596,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2514398992061615},{"word":"be","start":1969.005,"end":1969.1649,"confidence":0.9997079,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21168377995491028},{"word":"okay","start":1969.1649,"end":1969.485,"confidence":0.9995847,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.13512000441551208},{"word":"would","start":1969.485,"end":1969.725,"confidence":0.99970967,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.10271652042865752},{"word":"you","start":1969.725,"end":1969.8049,"confidence":0.99971706,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07725776731967926},{"word":"like","start":1969.8049,"end":1969.965,"confidence":0.9997632,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07652752101421356},{"word":"me","start":1969.965,"end":1970.125,"confidence":0.9996731,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08065913617610931},{"word":"to","start":1970.125,"end":1970.2849,"confidence":0.9990778,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07536359131336212},{"word":"look","start":1970.2849,"end":1970.445,"confidence":0.99984956,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.045262981206178665},{"word":"at","start":1970.445,"end":1970.605,"confidence":0.99926263,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03202371671795845},{"word":"that","start":1970.605,"end":1971.03,"confidence":0.99934494,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.07599330693483353},{"word":"yeah","start":1975.8301,"end":1976.3301,"confidence":0.8172673,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012637373059988022},{"word":"yeah","start":1976.63,"end":1977.11,"confidence":0.9871472,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017029300332069397},{"word":"how","start":1977.11,"end":1977.35,"confidence":0.9928999,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.002299981191754341},{"word":"much","start":1977.35,"end":1977.5901,"confidence":0.9997545,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.010629385709762572},{"word":"do","start":1977.5901,"end":1977.75,"confidence":0.99897397,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.014852255582809448},{"word":"you","start":1977.75,"end":1977.91,"confidence":0.99731594,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.002744704484939575},{"word":"yep","start":1979.03,"end":1979.53,"confidence":0.9911061,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.0018971331883221865},{"word":"how","start":1979.67,"end":1979.91,"confidence":0.9989053,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.019807249307632446},{"word":"much","start":1979.91,"end":1980.0701,"confidence":0.9991504,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.01720457524061203},{"word":"do","start":1980.0701,"end":1980.23,"confidence":0.98714614,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0245298333466053},{"word":"you","start":1980.23,"end":1980.31,"confidence":0.9975667,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.021577294915914536},{"word":"have","start":1980.31,"end":1980.47,"confidence":0.9840661,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.011582691222429276},{"word":"owing","start":1980.47,"end":1980.79,"confidence":0.9849183,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.021984664723277092},{"word":"on","start":1980.79,"end":1980.9501,"confidence":0.9964031,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01963791623711586},{"word":"that","start":1980.9501,"end":1981.11,"confidence":0.9975817,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03350120410323143},{"word":"car","start":1981.11,"end":1981.35,"confidence":0.80465376,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.02391941472887993},{"word":"at","start":1981.35,"end":1981.43,"confidence":0.9977254,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03662487864494324},{"word":"the","start":1981.43,"end":1981.5901,"confidence":0.9995497,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02407793514430523},{"word":"moment","start":1981.5901,"end":1982.0901,"confidence":0.9986805,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.03395376354455948},{"word":"45,000","start":1993.4451,"end":1994.485,"confidence":0.95345306,"punctuated_word":"45,000","sentiment":"neutral","sentiment_score":-0.004546767100691795},{"word":"roughly","start":1994.485,"end":1994.9651,"confidence":0.698445,"punctuated_word":"roughly.","sentiment":"neutral","sentiment_score":-0.0023175012320280075},{"word":"yep","start":1994.9651,"end":1995.125,"confidence":0.88929665,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.033235110342502594},{"word":"that's","start":1995.125,"end":1995.4451,"confidence":0.99992156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09834440052509308},{"word":"okay","start":1995.4451,"end":1995.9451,"confidence":0.9984431,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06239740550518036},{"word":"so","start":1996.485,"end":1996.645,"confidence":0.6814009,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.007076088339090347},{"word":"and","start":1996.7251,"end":1996.885,"confidence":0.99934226,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006556481122970581},{"word":"what","start":1996.885,"end":1997.045,"confidence":0.9995746,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.005340013653039932},{"word":"kind","start":1997.045,"end":1997.2051,"confidence":0.70967203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01773163117468357},{"word":"of","start":1997.2051,"end":1997.365,"confidence":0.99777573,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020327117294073105},{"word":"car","start":1997.365,"end":1997.685,"confidence":0.99854976,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.02219909243285656},{"word":"is","start":1997.685,"end":1997.8451,"confidence":0.9996356,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.008579909801483154},{"word":"it","start":1997.8451,"end":1998.3451,"confidence":0.9988401,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.013140950351953506},{"word":"m","start":2001.57,"end":2001.73,"confidence":0.4759596,"punctuated_word":"M","sentiment":"neutral","sentiment_score":0.03913489356637001},{"word":"u","start":2001.73,"end":2001.8899,"confidence":0.9803823,"punctuated_word":"u","sentiment":"neutral","sentiment_score":0.03607626259326935},{"word":"x","start":2001.8899,"end":2002.2899,"confidence":0.96439976,"punctuated_word":"x.","sentiment":"neutral","sentiment_score":0.05426079034805298},{"word":"beautiful","start":2002.2899,"end":2002.7899,"confidence":0.99918354,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.52367103099823},{"word":"they","start":2002.85,"end":2003.1699,"confidence":0.995155,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.4966173768043518},{"word":"are","start":2003.1699,"end":2003.33,"confidence":0.8978765,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.39895254373550415},{"word":"really","start":2003.33,"end":2003.6499,"confidence":0.9989844,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.486181914806366},{"word":"popular","start":2003.6499,"end":2004.13,"confidence":0.9975304,"punctuated_word":"popular","sentiment":"positive","sentiment_score":0.4900831282138825},{"word":"at","start":2004.13,"end":2004.21,"confidence":0.9964424,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.45076674222946167},{"word":"the","start":2004.21,"end":2004.2899,"confidence":0.99973863,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4701653718948364},{"word":"moment","start":2004.2899,"end":2004.69,"confidence":0.99795175,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.40651094913482666},{"word":"i've","start":2004.69,"end":2005.09,"confidence":0.99787796,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14894387125968933},{"word":"spoken","start":2005.09,"end":2005.49,"confidence":0.99633324,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":0.12094567716121674},{"word":"to","start":2005.49,"end":2005.57,"confidence":0.9861245,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12641248106956482},{"word":"lots","start":2005.57,"end":2005.8099,"confidence":0.9904488,"punctuated_word":"lots","sentiment":"neutral","sentiment_score":0.14846257865428925},{"word":"of","start":2005.8099,"end":2005.97,"confidence":0.99488235,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16248011589050293},{"word":"people","start":2005.97,"end":2006.21,"confidence":0.99876714,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.1944226622581482},{"word":"who","start":2006.21,"end":2006.2899,"confidence":0.9122802,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.1420508772134781},{"word":"have","start":2006.2899,"end":2006.45,"confidence":0.98574555,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12845008075237274},{"word":"recently","start":2006.45,"end":2006.85,"confidence":0.9998996,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.13705606758594513},{"word":"purchased","start":2006.85,"end":2007.35,"confidence":0.99786144,"punctuated_word":"purchased","sentiment":"neutral","sentiment_score":0.1434028297662735},{"word":"those","start":2007.4099,"end":2007.9099,"confidence":0.9707929,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.1625310480594635},{"word":"so","start":2009.09,"end":2009.59,"confidence":0.8755682,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07194580882787704},{"word":"yeah","start":2010.45,"end":2010.95,"confidence":0.9963825,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.12747907638549805},{"word":"yeah","start":2021.515,"end":2021.915,"confidence":0.9983165,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17234906554222107},{"word":"yeah","start":2021.915,"end":2022.415,"confidence":0.9895601,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1918073892593384},{"word":"yep","start":2036.505,"end":2037.005,"confidence":0.91624916,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12733455002307892},{"word":"absolutely","start":2037.865,"end":2038.365,"confidence":0.99357283,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.30647575855255127},{"word":"now","start":2039.145,"end":2039.385,"confidence":0.9787636,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.17720429599285126},{"word":"under","start":2039.385,"end":2039.625,"confidence":0.9181381,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.11428914964199066},{"word":"that","start":2039.625,"end":2039.9451,"confidence":0.9988588,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16689231991767883},{"word":"transition","start":2039.9451,"end":2040.425,"confidence":0.9249007,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.17149195075035095},{"word":"retirement","start":2040.425,"end":2040.925,"confidence":0.91203856,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.11495769023895264},{"word":"strategy","start":2041.0651,"end":2041.545,"confidence":0.9995353,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.12798544764518738},{"word":"that","start":2041.545,"end":2041.625,"confidence":0.9988638,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09029658138751984},{"word":"we","start":2041.625,"end":2041.865,"confidence":0.9998766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12094226479530334},{"word":"sort","start":2041.865,"end":2042.025,"confidence":0.98892117,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1208992525935173},{"word":"of","start":2042.025,"end":2042.185,"confidence":0.7647162,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10693605989217758},{"word":"talked","start":2042.185,"end":2042.425,"confidence":0.99907124,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.1289198398590088},{"word":"about","start":2042.425,"end":2042.745,"confidence":0.9997315,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1657653450965881},{"word":"there","start":2042.745,"end":2043.245,"confidence":0.988186,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.12930205464363098},{"word":"if","start":2043.385,"end":2043.545,"confidence":0.99821633,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10230184346437454},{"word":"you","start":2043.545,"end":2043.785,"confidence":0.9998067,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07638909667730331},{"word":"were","start":2043.785,"end":2044.1051,"confidence":0.9978923,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.11629972606897354},{"word":"to","start":2044.1051,"end":2044.265,"confidence":0.9935556,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10560714453458786},{"word":"sort","start":2044.265,"end":2044.505,"confidence":0.9908213,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10492900758981703},{"word":"of","start":2044.505,"end":2044.665,"confidence":0.9993063,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09319592267274857},{"word":"look","start":2044.665,"end":2044.905,"confidence":0.9994499,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08528603613376617},{"word":"at","start":2044.905,"end":2045.0651,"confidence":0.9998043,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09971565008163452},{"word":"that","start":2045.0651,"end":2045.305,"confidence":0.99935704,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12032175064086914},{"word":"strategy","start":2045.305,"end":2045.805,"confidence":0.9998635,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.07191477715969086},{"word":"now","start":2046.265,"end":2046.765,"confidence":0.9982864,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.12726926803588867},{"word":"to","start":2046.905,"end":2047.145,"confidence":0.98681355,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.115897037088871},{"word":"be","start":2047.145,"end":2047.305,"confidence":0.9995664,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15595752000808716},{"word":"able","start":2047.305,"end":2047.545,"confidence":0.99987054,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.16867592930793762},{"word":"to","start":2047.545,"end":2047.7051,"confidence":0.99819475,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14012163877487183},{"word":"take","start":2047.7051,"end":2047.9451,"confidence":0.9997732,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1915845274925232},{"word":"some","start":2047.9451,"end":2048.185,"confidence":0.99938476,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.15400640666484833},{"word":"funds","start":2048.185,"end":2048.665,"confidence":0.98484695,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.025610312819480896},{"word":"out","start":2048.665,"end":2048.905,"confidence":0.999861,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12465330213308334},{"word":"of","start":2048.905,"end":2049.145,"confidence":0.99973065,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14089080691337583},{"word":"super","start":2049.145,"end":2049.645,"confidence":0.9512625,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.13286647200584412},{"word":"essentially","start":2050.92,"end":2051.32,"confidence":0.991192,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.13235299289226532},{"word":"we","start":2051.32,"end":2051.64,"confidence":0.99988174,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15845367312431335},{"word":"can","start":2051.64,"end":2051.96,"confidence":0.9999087,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1619679629802704},{"word":"access","start":2051.96,"end":2052.3599,"confidence":0.99483335,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.09634123742580414},{"word":"a","start":2052.3599,"end":2052.52,"confidence":0.8104629,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1073785275220871},{"word":"maximum","start":2052.52,"end":2053.0,"confidence":0.94005096,"punctuated_word":"maximum.","sentiment":"neutral","sentiment_score":0.14627152681350708},{"word":"there","start":2053.0,"end":2053.24,"confidence":0.87296885,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.06757781654596329},{"word":"are","start":2053.24,"end":2053.48,"confidence":0.9988788,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06284243613481522},{"word":"maximums","start":2053.48,"end":2053.96,"confidence":0.972419,"punctuated_word":"maximums","sentiment":"neutral","sentiment_score":0.08486033231019974},{"word":"and","start":2053.96,"end":2054.28,"confidence":0.97550356,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06095925718545914},{"word":"minimums","start":2054.28,"end":2054.76,"confidence":0.97520566,"punctuated_word":"minimums","sentiment":"neutral","sentiment_score":0.052091196179389954},{"word":"that","start":2054.76,"end":2055.0,"confidence":0.9995993,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06116457283496857},{"word":"we","start":2055.0,"end":2055.08,"confidence":0.9999354,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0736967921257019},{"word":"can","start":2055.08,"end":2055.24,"confidence":0.9996288,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09506068378686904},{"word":"access","start":2055.24,"end":2055.56,"confidence":0.99844366,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.040853507816791534},{"word":"under","start":2055.56,"end":2055.8,"confidence":0.9664774,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.1596308946609497},{"word":"this","start":2055.8,"end":2056.04,"confidence":0.65916044,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14294271171092987},{"word":"strategy","start":2056.04,"end":2056.44,"confidence":0.99982435,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.12115304917097092},{"word":"on","start":2056.44,"end":2056.5999,"confidence":0.5418699,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07365082204341888},{"word":"how","start":2056.5999,"end":2056.76,"confidence":0.99995935,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07608022540807724},{"word":"much","start":2056.76,"end":2057.0,"confidence":0.9999517,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0735439732670784},{"word":"you","start":2057.0,"end":2057.08,"confidence":0.9977943,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09593624621629716},{"word":"can","start":2057.08,"end":2057.4,"confidence":0.99926084,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06849950551986694},{"word":"withdraw","start":2057.4,"end":2057.72,"confidence":0.6751597,"punctuated_word":"withdraw","sentiment":"neutral","sentiment_score":-0.006918266415596008},{"word":"out","start":2057.72,"end":2058.22,"confidence":0.9975167,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.00045466391020454466},{"word":"essentially","start":2058.68,"end":2059.16,"confidence":0.983963,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.05338612198829651},{"word":"we","start":2059.16,"end":2059.32,"confidence":0.99990046,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11850616335868835},{"word":"would","start":2059.32,"end":2059.48,"confidence":0.99974304,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17135116457939148},{"word":"be","start":2059.48,"end":2059.64,"confidence":0.9998274,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.20706477761268616},{"word":"able","start":2059.64,"end":2059.88,"confidence":0.9998708,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.261604905128479},{"word":"to","start":2059.88,"end":2060.04,"confidence":0.9974859,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22179634869098663},{"word":"access","start":2060.04,"end":2060.28,"confidence":0.97925985,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.17764882743358612},{"word":"up","start":2060.28,"end":2060.44,"confidence":0.96399665,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.15166664123535156},{"word":"to","start":2060.44,"end":2060.5999,"confidence":0.9781999,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1767411082983017},{"word":"10","start":2060.5999,"end":2061.08,"confidence":0.99946666,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.2639671564102173},{"word":"of","start":2061.08,"end":2061.16,"confidence":0.9995701,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16433344781398773},{"word":"the","start":2061.16,"end":2061.24,"confidence":0.9997899,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20589731633663175},{"word":"balance","start":2061.24,"end":2061.56,"confidence":0.99958223,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1279589980840683},{"word":"that","start":2061.56,"end":2061.72,"confidence":0.9996183,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18343810737133023},{"word":"we","start":2061.72,"end":2061.88,"confidence":0.99972206,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1452622413635254},{"word":"transfer","start":2061.88,"end":2062.3599,"confidence":0.989578,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.11715227365493774},{"word":"into","start":2062.3599,"end":2062.5999,"confidence":0.99757165,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17281126976013184},{"word":"the","start":2062.5999,"end":2062.76,"confidence":0.9949837,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15906982123851776},{"word":"account","start":2062.76,"end":2063.08,"confidence":0.99923575,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.06114855036139488},{"word":"based","start":2063.08,"end":2063.32,"confidence":0.9841151,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.11852124333381651},{"word":"pension","start":2063.32,"end":2063.8,"confidence":0.9985669,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.10671782493591309},{"word":"side","start":2063.8,"end":2063.96,"confidence":0.9953927,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.16784200072288513},{"word":"of","start":2063.96,"end":2064.1199,"confidence":0.9977285,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1686071753501892},{"word":"things","start":2064.1199,"end":2064.52,"confidence":0.98583186,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.1494920551776886},{"word":"so","start":2064.52,"end":2065.005,"confidence":0.9995191,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05338679626584053},{"word":"based","start":2065.085,"end":2065.325,"confidence":0.9998172,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.10632964223623276},{"word":"on","start":2065.325,"end":2065.4849,"confidence":0.99825376,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12038619816303252},{"word":"your","start":2065.4849,"end":2065.6448,"confidence":0.9998324,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0753525123000145},{"word":"current","start":2065.6448,"end":2065.9648,"confidence":0.9996877,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.033079586923122406},{"word":"balance","start":2065.9648,"end":2066.365,"confidence":0.9993125,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.03737715631723404},{"word":"we","start":2066.365,"end":2066.605,"confidence":0.99216425,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03373447805643082},{"word":"would","start":2066.605,"end":2066.765,"confidence":0.999905,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.052337635308504105},{"word":"have","start":2066.765,"end":2066.9248,"confidence":0.99979955,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02097560092806816},{"word":"to","start":2066.9248,"end":2067.085,"confidence":0.9990662,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013930004090070724},{"word":"leave","start":2067.085,"end":2067.325,"confidence":0.99817586,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.015175212174654009},{"word":"generally","start":2067.325,"end":2067.7249,"confidence":0.6148459,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.041158564388751984},{"word":"a","start":2067.7249,"end":2067.8848,"confidence":0.9952814,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.012405846267938614},{"word":"minimum","start":2067.8848,"end":2068.285,"confidence":0.9999019,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.0814446210861206},{"word":"of","start":2068.285,"end":2068.4448,"confidence":0.99964905,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04341822862625122},{"word":"10,000","start":2068.4448,"end":2069.1648,"confidence":0.9999047,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":-0.01355946809053421},{"word":"behind","start":2069.1648,"end":2069.4849,"confidence":0.9998412,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":-0.03557348996400833},{"word":"in","start":2069.4849,"end":2069.6448,"confidence":0.9982667,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.002299197018146515},{"word":"the","start":2069.6448,"end":2069.805,"confidence":0.99983144,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02281554788351059},{"word":"accumulation","start":2069.805,"end":2070.305,"confidence":0.998654,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.01012364774942398},{"word":"side","start":2070.6848,"end":2070.9248,"confidence":0.9994717,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.041691720485687256},{"word":"of","start":2070.9248,"end":2071.085,"confidence":0.99918336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.044075194746255875},{"word":"things","start":2071.085,"end":2071.585,"confidence":0.9790369,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.034784771502017975},{"word":"so","start":2072.2048,"end":2072.525,"confidence":0.613407,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11305802315473557},{"word":"that","start":2072.525,"end":2072.6848,"confidence":0.9997987,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1250021606683731},{"word":"would","start":2072.6848,"end":2073.005,"confidence":0.9113407,"punctuated_word":"would,","sentiment":"neutral","sentiment_score":0.22437769174575808},{"word":"based","start":2073.005,"end":2073.2449,"confidence":0.9990759,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.23635759949684143},{"word":"on","start":2073.2449,"end":2073.4048,"confidence":0.99835557,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19535404443740845},{"word":"the","start":2073.4048,"end":2073.565,"confidence":0.9391501,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18440374732017517},{"word":"current","start":2073.565,"end":2073.8848,"confidence":0.9954163,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.11434205621480942},{"word":"balance","start":2073.8848,"end":2074.2048,"confidence":0.99959105,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.08358362317085266},{"word":"i","start":2074.2048,"end":2074.365,"confidence":0.988704,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16568352282047272},{"word":"have","start":2074.365,"end":2074.525,"confidence":0.98891324,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13466285169124603},{"word":"at","start":2074.525,"end":2074.6848,"confidence":0.9899553,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13649237155914307},{"word":"the","start":2074.6848,"end":2074.765,"confidence":0.99892706,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18469595909118652},{"word":"moment","start":2074.765,"end":2075.1648,"confidence":0.99723506,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.13657110929489136},{"word":"give","start":2075.1648,"end":2075.4048,"confidence":0.9939038,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1317242830991745},{"word":"us","start":2075.4048,"end":2075.565,"confidence":0.9994085,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.19866931438446045},{"word":"an","start":2075.565,"end":2075.805,"confidence":0.9989349,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.18874458968639377},{"word":"estimated","start":2075.805,"end":2076.305,"confidence":0.99944884,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.16588696837425232},{"word":"transfer","start":2076.4448,"end":2076.9248,"confidence":0.9994797,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.1160549372434616},{"word":"balance","start":2076.9248,"end":2077.325,"confidence":0.9785703,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.10132108628749847},{"word":"of","start":2077.325,"end":2077.4048,"confidence":0.8427851,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1506340503692627},{"word":"about","start":2077.4048,"end":2077.6448,"confidence":0.55397516,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11637794971466064},{"word":"a","start":2077.6448,"end":2077.7249,"confidence":0.9975932,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12946555018424988},{"word":"170,000","start":2077.7249,"end":2079.345,"confidence":0.99905634,"punctuated_word":"170,000","sentiment":"neutral","sentiment_score":0.1055324375629425},{"word":"there","start":2079.73,"end":2080.23,"confidence":0.9736846,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0877932757139206},{"word":"if","start":2080.61,"end":2080.77,"confidence":0.83771497,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.04615601524710655},{"word":"we","start":2080.77,"end":2081.01,"confidence":0.9984401,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05693699419498443},{"word":"then","start":2081.01,"end":2081.25,"confidence":0.99808794,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.049106188118457794},{"word":"look","start":2081.25,"end":2081.57,"confidence":0.99932706,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.023329630494117737},{"word":"at","start":2081.57,"end":2081.8901,"confidence":0.9997502,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.023725226521492004},{"word":"that","start":2081.8901,"end":2082.3901,"confidence":0.99951863,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006577476859092712},{"word":"sorry","start":2084.77,"end":2085.27,"confidence":0.99251306,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03698055446147919},{"word":"here","start":2086.1301,"end":2086.37,"confidence":0.6020598,"punctuated_word":"Here","sentiment":"neutral","sentiment_score":0.0025190897285938263},{"word":"we","start":2086.37,"end":2086.61,"confidence":0.9996369,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03347262740135193},{"word":"go","start":2086.61,"end":2087.09,"confidence":0.9986105,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.021820416674017903},{"word":"so","start":2087.09,"end":2087.25,"confidence":0.58852226,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05215752124786377},{"word":"then","start":2087.25,"end":2087.57,"confidence":0.9613308,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06727930903434753},{"word":"look","start":2087.57,"end":2087.73,"confidence":0.7742411,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04537692666053772},{"word":"at","start":2087.73,"end":2087.81,"confidence":0.99745625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0550658255815506},{"word":"that","start":2087.81,"end":2088.05,"confidence":0.7375906,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.05741879343986511},{"word":"so","start":2088.05,"end":2088.21,"confidence":0.7959505,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0994146391749382},{"word":"it's","start":2088.21,"end":2088.29,"confidence":0.97396994,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10435859858989716},{"word":"about","start":2088.29,"end":2088.61,"confidence":0.9956483,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12642742693424225},{"word":"a","start":2088.61,"end":2088.77,"confidence":0.99747545,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12980002164840698},{"word":"$170,772.13","start":2088.77,"end":2094.21,"confidence":0.9832853,"punctuated_word":"$170,772.13","sentiment":"neutral","sentiment_score":0.08763013780117035},{"word":"there","start":2094.21,"end":2094.585,"confidence":0.94718874,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.12698829174041748},{"word":"which","start":2094.665,"end":2094.9849,"confidence":0.9999391,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13310697674751282},{"word":"would","start":2094.9849,"end":2095.065,"confidence":0.7415049,"punctuated_word":"would,","sentiment":"neutral","sentiment_score":0.1282182335853577},{"word":"at","start":2095.065,"end":2095.305,"confidence":0.9991566,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1178143322467804},{"word":"the","start":2095.305,"end":2095.545,"confidence":0.99895716,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1391081660985947},{"word":"full","start":2095.545,"end":2095.785,"confidence":0.9976089,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1535746455192566},{"word":"10%","start":2095.785,"end":2096.425,"confidence":0.96461403,"punctuated_word":"10%,","sentiment":"neutral","sentiment_score":0.16826623678207395},{"word":"if","start":2096.425,"end":2096.585,"confidence":0.999485,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1914486587047577},{"word":"you","start":2096.585,"end":2096.665,"confidence":0.9998472,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17962147295475006},{"word":"wanted","start":2096.665,"end":2096.9849,"confidence":0.9829422,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.15942266583442688},{"word":"to","start":2096.9849,"end":2097.065,"confidence":0.9979626,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17160966992378235},{"word":"do","start":2097.065,"end":2097.2249,"confidence":0.9994742,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17377571761608124},{"word":"that","start":2097.2249,"end":2097.385,"confidence":0.99956447,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2020508348941803},{"word":"for","start":2097.385,"end":2097.545,"confidence":0.9751619,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17381441593170166},{"word":"this","start":2097.545,"end":2097.785,"confidence":0.9994254,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1594221293926239},{"word":"financial","start":2097.785,"end":2098.285,"confidence":0.99595827,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.11207030713558196},{"word":"year","start":2098.425,"end":2098.665,"confidence":0.9868814,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.15974706411361694},{"word":"would","start":2098.665,"end":2098.905,"confidence":0.98519623,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.15306618809700012},{"word":"give","start":2098.905,"end":2099.065,"confidence":0.9997179,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1600508689880371},{"word":"you","start":2099.065,"end":2099.305,"confidence":0.9997067,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.189757376909256},{"word":"access","start":2099.305,"end":2099.705,"confidence":0.99960536,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.1400948315858841},{"word":"to","start":2099.705,"end":2100.025,"confidence":0.9988072,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15006062388420105},{"word":"approximately","start":2100.025,"end":2100.525,"confidence":0.8089236,"punctuated_word":"approximately,","sentiment":"neutral","sentiment_score":0.15095758438110352},{"word":"based","start":2100.825,"end":2101.065,"confidence":0.99976856,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.16189248859882355},{"word":"on","start":2101.065,"end":2101.2249,"confidence":0.9995484,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1789797842502594},{"word":"the","start":2101.2249,"end":2101.385,"confidence":0.9974663,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1272604614496231},{"word":"balance","start":2101.385,"end":2101.785,"confidence":0.99965334,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.08137726783752441},{"word":"at","start":2101.785,"end":2101.945,"confidence":0.9467542,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10250131785869598},{"word":"the","start":2101.945,"end":2102.025,"confidence":0.9991272,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13648611307144165},{"word":"moment","start":2102.025,"end":2102.525,"confidence":0.9601376,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.12908844649791718},{"word":"of","start":2102.585,"end":2102.7449,"confidence":0.9988016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10785429179668428},{"word":"about","start":2102.7449,"end":2103.145,"confidence":0.9978358,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1024591699242592},{"word":"$17,077","start":2103.145,"end":2105.625,"confidence":0.91867155,"punctuated_word":"$17,077.","sentiment":"neutral","sentiment_score":0.08805021643638611},{"word":"so","start":2105.625,"end":2105.865,"confidence":0.9954406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0675354152917862},{"word":"just","start":2105.865,"end":2106.105,"confidence":0.99456304,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08135778456926346},{"word":"slightly","start":2106.105,"end":2106.605,"confidence":0.95317507,"punctuated_word":"slightly.","sentiment":"neutral","sentiment_score":0.08220544457435608},{"word":"it's","start":2106.83,"end":2107.07,"confidence":0.9807439,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.036288902163505554},{"word":"not","start":2107.07,"end":2107.23,"confidence":0.99992347,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14575408399105072},{"word":"quite","start":2107.23,"end":2107.71,"confidence":0.99903286,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.11695905029773712},{"word":"enough","start":2107.71,"end":2107.95,"confidence":0.9997011,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":-0.1201930046081543},{"word":"to","start":2107.95,"end":2108.19,"confidence":0.99967504,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15094764530658722},{"word":"pay","start":2108.19,"end":2108.43,"confidence":0.9995943,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.33143261075019836},{"word":"the","start":2108.43,"end":2108.59,"confidence":0.99936706,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2218240797519684},{"word":"car","start":2108.59,"end":2108.83,"confidence":0.99889755,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.17979520559310913},{"word":"off","start":2108.83,"end":2108.99,"confidence":0.93809545,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.18221040070056915},{"word":"wholly","start":2108.99,"end":2109.49,"confidence":0.98731494,"punctuated_word":"wholly,","sentiment":"neutral","sentiment_score":-0.10031720995903017},{"word":"but","start":2109.55,"end":2109.87,"confidence":0.9998254,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.022913813591003414},{"word":"it","start":2109.87,"end":2110.03,"confidence":0.9997867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11400002986192705},{"word":"would","start":2110.03,"end":2110.19,"confidence":0.9999081,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11783775687217712},{"word":"give","start":2110.19,"end":2110.43,"confidence":0.9998424,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.10006655752658844},{"word":"you","start":2110.43,"end":2110.59,"confidence":0.99965394,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16371527314186096},{"word":"access","start":2110.59,"end":2110.99,"confidence":0.99957365,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.12030600756406784},{"word":"to","start":2110.99,"end":2111.07,"confidence":0.97909784,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16259774565696716},{"word":"the","start":2111.07,"end":2111.23,"confidence":0.6940245,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10646138340234756},{"word":"some","start":2111.31,"end":2111.47,"confidence":0.99844235,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.06592024117708206},{"word":"of","start":2111.47,"end":2111.63,"confidence":0.99935085,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05614592134952545},{"word":"those","start":2111.63,"end":2111.87,"confidence":0.9993789,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.10857942700386047},{"word":"funds","start":2111.87,"end":2112.37,"confidence":0.9913064,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.04118245095014572},{"word":"it","start":2112.51,"end":2112.67,"confidence":0.9998036,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.08865201473236084},{"word":"does","start":2112.67,"end":2112.99,"confidence":0.99984694,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.06281311810016632},{"word":"reduce","start":2112.99,"end":2113.39,"confidence":0.98966277,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.05800110101699829},{"word":"the","start":2113.39,"end":2113.55,"confidence":0.99938786,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0864274650812149},{"word":"balance","start":2113.55,"end":2113.95,"confidence":0.99970704,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.10931944847106934},{"word":"now","start":2113.95,"end":2114.19,"confidence":0.83328366,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.08651240170001984},{"word":"but","start":2114.19,"end":2114.35,"confidence":0.9997178,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08561040461063385},{"word":"if","start":2114.35,"end":2114.51,"confidence":0.9994338,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23971739411354065},{"word":"you","start":2114.51,"end":2114.67,"confidence":0.99962604,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26213449239730835},{"word":"wanted","start":2114.67,"end":2114.83,"confidence":0.9859243,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.19290070235729215},{"word":"to","start":2114.83,"end":2114.99,"confidence":0.9970796,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2470671832561493},{"word":"do","start":2114.99,"end":2115.15,"confidence":0.99953115,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1616252958774567},{"word":"it","start":2115.15,"end":2115.31,"confidence":0.99867696,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20981070399284363},{"word":"that","start":2115.31,"end":2115.47,"confidence":0.99807787,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15344621241092682},{"word":"way","start":2115.47,"end":2115.63,"confidence":0.9984027,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.14861401915550232},{"word":"i","start":2115.63,"end":2115.71,"confidence":0.99986184,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2693248391151428},{"word":"could","start":2115.71,"end":2116.03,"confidence":0.9884815,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.26284098625183105},{"word":"look","start":2116.03,"end":2116.19,"confidence":0.99970716,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19689194858074188},{"word":"at","start":2116.19,"end":2116.27,"confidence":0.9990114,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16509410738945007},{"word":"the","start":2116.27,"end":2116.43,"confidence":0.96930134,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2642630934715271},{"word":"strategy","start":2116.43,"end":2116.93,"confidence":0.9998784,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.1706501990556717},{"word":"to","start":2116.99,"end":2117.15,"confidence":0.99991345,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2804781198501587},{"word":"incorporate","start":2117.15,"end":2117.65,"confidence":0.99989295,"punctuated_word":"incorporate","sentiment":"neutral","sentiment_score":0.2711642384529114},{"word":"that","start":2117.71,"end":2118.03,"confidence":0.9998373,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24243512749671936},{"word":"now","start":2118.03,"end":2118.53,"confidence":0.83641446,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1879763305187225},{"word":"then","start":2118.75,"end":2119.07,"confidence":0.612059,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.19879096746444705},{"word":"we","start":2119.07,"end":2119.31,"confidence":0.9968491,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25520601868629456},{"word":"next","start":2119.55,"end":2119.935,"confidence":0.99887246,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2103264033794403},{"word":"financial","start":2120.175,"end":2120.655,"confidence":0.9984084,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.16275440156459808},{"word":"year","start":2120.655,"end":2120.975,"confidence":0.8177065,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.21540354192256927},{"word":"maybe","start":2120.975,"end":2121.2952,"confidence":0.995899,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.20869843661785129},{"word":"start","start":2121.2952,"end":2121.455,"confidence":0.86533505,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.17967058718204498},{"word":"in","start":2121.455,"end":2121.7751,"confidence":0.9986669,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20425736904144287},{"word":"july","start":2121.7751,"end":2122.2551,"confidence":0.80815935,"punctuated_word":"July,","sentiment":"neutral","sentiment_score":0.24224133789539337},{"word":"look","start":2122.2551,"end":2122.495,"confidence":0.99011946,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21895432472229004},{"word":"at","start":2122.495,"end":2122.995,"confidence":0.9996586,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22632569074630737},{"word":"doing","start":2123.0552,"end":2123.375,"confidence":0.9935694,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.20634469389915464},{"word":"that","start":2123.375,"end":2123.615,"confidence":0.99779886,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2813376188278198},{"word":"transfer","start":2123.615,"end":2124.115,"confidence":0.72559446,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.20869310200214383},{"word":"time","start":2124.175,"end":2124.495,"confidence":0.7089396,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2658376693725586},{"word":"strategy","start":2124.495,"end":2124.995,"confidence":0.941245,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.2185099571943283},{"word":"correctly","start":2125.0552,"end":2125.5352,"confidence":0.8042667,"punctuated_word":"correctly.","sentiment":"neutral","sentiment_score":0.2549712061882019},{"word":"so","start":2125.5352,"end":2125.7751,"confidence":0.99970347,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2357611060142517},{"word":"we","start":2125.7751,"end":2126.095,"confidence":0.99909115,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.31234264373779297},{"word":"are","start":2126.095,"end":2126.335,"confidence":0.9234111,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.321551114320755},{"word":"drawing","start":2126.335,"end":2126.655,"confidence":0.9952236,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.2964945435523987},{"word":"money","start":2126.655,"end":2126.895,"confidence":0.99951136,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2304350733757019},{"word":"out","start":2126.895,"end":2127.0552,"confidence":0.9323789,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3372270464897156},{"word":"to","start":2127.0552,"end":2127.2952,"confidence":0.99829084,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2644634246826172},{"word":"replenish","start":2127.2952,"end":2127.695,"confidence":0.9972184,"punctuated_word":"replenish","sentiment":"neutral","sentiment_score":0.22541803121566772},{"word":"your","start":2127.695,"end":2127.855,"confidence":0.9624211,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2233736217021942},{"word":"income","start":2127.855,"end":2128.175,"confidence":0.9800108,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.2009882777929306},{"word":"but","start":2128.175,"end":2128.415,"confidence":0.9998342,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15465986728668213},{"word":"then","start":2128.415,"end":2128.655,"confidence":0.99984884,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19505374133586884},{"word":"we","start":2128.655,"end":2128.815,"confidence":0.9990426,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23583552241325376},{"word":"start","start":2128.815,"end":2129.135,"confidence":0.9991341,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2084542810916901},{"word":"to","start":2129.135,"end":2129.2952,"confidence":0.9992662,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2248146086931229},{"word":"increase","start":2129.2952,"end":2129.695,"confidence":0.9998136,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.18988469243049624},{"word":"the","start":2129.695,"end":2129.935,"confidence":0.99513936,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.272246390581131},{"word":"contributions","start":2129.935,"end":2130.435,"confidence":0.99416536,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.22949762642383575},{"word":"back","start":2130.655,"end":2130.815,"confidence":0.9971541,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2692190408706665},{"word":"to","start":2130.815,"end":2130.975,"confidence":0.9973629,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2495332807302475},{"word":"keep","start":2130.975,"end":2131.215,"confidence":0.9982323,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.38637247681617737},{"word":"your","start":2131.215,"end":2131.455,"confidence":0.9870079,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.40867897868156433},{"word":"take","start":2131.455,"end":2131.695,"confidence":0.9974833,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.3460721969604492},{"word":"home","start":2131.695,"end":2131.935,"confidence":0.9978271,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.2276354730129242},{"word":"pay","start":2131.935,"end":2132.175,"confidence":0.99431866,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.33432963490486145},{"word":"relatively","start":2132.175,"end":2132.675,"confidence":0.9993937,"punctuated_word":"relatively","sentiment":"positive","sentiment_score":0.39012610912323},{"word":"the","start":2133.46,"end":2133.62,"confidence":0.99935716,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3197801411151886},{"word":"same","start":2133.62,"end":2134.1,"confidence":0.973982,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.26416701078414917},{"word":"is","start":2134.1,"end":2134.34,"confidence":0.999566,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1620318591594696},{"word":"that","start":2134.34,"end":2134.5,"confidence":0.9999231,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16129043698310852},{"word":"sort","start":2134.5,"end":2134.74,"confidence":0.9792573,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14986205101013184},{"word":"of","start":2134.74,"end":2134.82,"confidence":0.99934083,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21094077825546265},{"word":"what","start":2134.82,"end":2134.98,"confidence":0.999519,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15924479067325592},{"word":"you're","start":2134.98,"end":2135.22,"confidence":0.9924607,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14225895702838898},{"word":"after","start":2135.22,"end":2135.54,"confidence":0.9950805,"punctuated_word":"after?","sentiment":"neutral","sentiment_score":0.13067926466464996},{"word":"is","start":2135.54,"end":2135.7,"confidence":0.9993057,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1143166720867157},{"word":"that","start":2135.7,"end":2135.78,"confidence":0.9989999,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15450015664100647},{"word":"does","start":2135.94,"end":2136.1,"confidence":0.99883384,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1395871788263321},{"word":"that","start":2136.1,"end":2136.26,"confidence":0.9993154,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18916229903697968},{"word":"sound","start":2136.26,"end":2136.5,"confidence":0.99799937,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.15390340983867645},{"word":"like","start":2136.5,"end":2136.74,"confidence":0.99120575,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1527617573738098},{"word":"it's","start":2136.74,"end":2136.98,"confidence":0.98114276,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1627765595912933},{"word":"what","start":2136.98,"end":2137.1401,"confidence":0.9437375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11511889100074768},{"word":"you","start":2137.1401,"end":2137.3,"confidence":0.9998723,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11050193756818771},{"word":"would","start":2137.3,"end":2137.46,"confidence":0.9876573,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.124531552195549},{"word":"like","start":2137.46,"end":2137.62,"confidence":0.9997763,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06895240396261215},{"word":"me","start":2137.62,"end":2137.78,"confidence":0.9995678,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10061578452587128},{"word":"to","start":2137.78,"end":2137.86,"confidence":0.99806815,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.072871632874012},{"word":"look","start":2137.86,"end":2138.1,"confidence":0.9998584,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0459621325135231},{"word":"at","start":2138.1,"end":2138.6,"confidence":0.99946475,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":0.07667223364114761},{"word":"yep","start":2141.3,"end":2141.8,"confidence":0.9244636,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3908350467681885},{"word":"yep","start":2151.155,"end":2151.655,"confidence":0.93431926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26937615871429443},{"word":"yeah","start":2160.9302,"end":2161.1702,"confidence":0.8854876,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2572624683380127},{"word":"look","start":2161.1702,"end":2161.49,"confidence":0.8723825,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.31940239667892456},{"word":"it","start":2161.49,"end":2161.6501,"confidence":0.996624,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.24476735293865204},{"word":"it's","start":2161.73,"end":2162.23,"confidence":0.99949014,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.253811240196228},{"word":"it's","start":2162.4502,"end":2162.77,"confidence":0.99295664,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2450142800807953},{"word":"honestly","start":2162.77,"end":2163.27,"confidence":0.94921106,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":0.2704371213912964},{"word":"not","start":2163.4102,"end":2163.73,"confidence":0.9967272,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.26682049036026},{"word":"a","start":2163.73,"end":2163.81,"confidence":0.99983764,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3010423481464386},{"word":"problem","start":2163.81,"end":2164.2102,"confidence":0.99998164,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.1341032832860947},{"word":"to","start":2164.2102,"end":2164.37,"confidence":0.9999167,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3024802803993225},{"word":"do","start":2164.37,"end":2164.87,"confidence":0.9997723,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.12792286276817322},{"word":"one","start":2165.33,"end":2165.6501,"confidence":0.76524466,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.23890268802642825},{"word":"of","start":2165.6501,"end":2165.73,"confidence":0.9999186,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14339178800582886},{"word":"the","start":2165.73,"end":2165.81,"confidence":0.9998779,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2862530052661896},{"word":"main","start":2165.81,"end":2166.1301,"confidence":0.9994874,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.2623119056224823},{"word":"sort","start":2166.1301,"end":2166.37,"confidence":0.9787877,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.31593000888824463},{"word":"of","start":2166.37,"end":2166.4502,"confidence":0.9575501,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4259423613548279},{"word":"disadvantages","start":2166.4502,"end":2166.9502,"confidence":0.99919015,"punctuated_word":"disadvantages","sentiment":"negative","sentiment_score":-0.4936297535896301},{"word":"to","start":2167.1702,"end":2167.33,"confidence":0.98521996,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3888012170791626},{"word":"doing","start":2167.33,"end":2167.57,"confidence":0.9999411,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.4782380163669586},{"word":"it","start":2167.57,"end":2167.73,"confidence":0.99944764,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.37093624472618103},{"word":"that","start":2167.73,"end":2167.8901,"confidence":0.9997478,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.443583220243454},{"word":"way","start":2167.8901,"end":2168.2102,"confidence":0.9999374,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.4048269987106323},{"word":"is","start":2168.2102,"end":2168.4502,"confidence":0.9990275,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.356087327003479},{"word":"that","start":2168.4502,"end":2168.6902,"confidence":0.9454757,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.1713411509990692},{"word":"obviously","start":2168.6902,"end":2169.1902,"confidence":0.9986384,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.32431191205978394},{"word":"with","start":2169.4102,"end":2169.57,"confidence":0.9998264,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.29583925008773804},{"word":"the","start":2169.57,"end":2169.73,"confidence":0.9998722,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.255415678024292},{"word":"money","start":2169.73,"end":2170.05,"confidence":0.9999516,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.3294253945350647},{"word":"we","start":2170.05,"end":2170.2102,"confidence":0.99675375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1862336099147797},{"word":"are","start":2170.2102,"end":2170.4502,"confidence":0.99973005,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.15603579580783844},{"word":"taking","start":2170.4502,"end":2170.77,"confidence":0.99945635,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.2667906880378723},{"word":"out","start":2170.77,"end":2171.09,"confidence":0.6366934,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.30835092067718506},{"word":"now","start":2171.09,"end":2171.59,"confidence":0.99417055,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.19755956530570984},{"word":"if","start":2171.955,"end":2172.195,"confidence":0.9899642,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03397180140018463},{"word":"you","start":2172.195,"end":2172.355,"confidence":0.99983513,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08076708018779755},{"word":"do","start":2172.355,"end":2172.595,"confidence":0.9997582,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0172002911567688},{"word":"leave","start":2172.595,"end":2172.915,"confidence":0.9953542,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.14884071052074432},{"word":"that","start":2172.915,"end":2173.0752,"confidence":0.9997235,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04038216173648834},{"word":"money","start":2173.0752,"end":2173.5552,"confidence":0.99995685,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.1386057436466217},{"word":"inside","start":2173.5552,"end":2173.955,"confidence":0.99799013,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.07739260792732239},{"word":"super","start":2173.955,"end":2174.355,"confidence":0.48935416,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.0034255683422088623},{"word":"and","start":2174.355,"end":2174.675,"confidence":0.9880675,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11812703311443327},{"word":"just","start":2174.675,"end":2175.175,"confidence":0.9996464,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.005253970623016357},{"word":"increase","start":2175.235,"end":2175.715,"confidence":0.9980895,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.06997975707054138},{"word":"your","start":2175.715,"end":2175.875,"confidence":0.6795989,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19383369386196136},{"word":"contributions","start":2175.875,"end":2176.375,"confidence":0.9974631,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.13717615604400635},{"word":"in","start":2176.5151,"end":2176.675,"confidence":0.8650552,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08973844349384308},{"word":"and","start":2176.675,"end":2176.8352,"confidence":0.8409461,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08611993491649628},{"word":"we","start":2176.8352,"end":2176.995,"confidence":0.9944628,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27713027596473694},{"word":"do","start":2176.995,"end":2177.155,"confidence":0.9635234,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06888872385025024},{"word":"this","start":2177.155,"end":2177.395,"confidence":0.90492123,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16920144855976105},{"word":"strategy","start":2177.395,"end":2177.895,"confidence":0.99985707,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.1002102941274643},{"word":"the","start":2178.7551,"end":2178.915,"confidence":0.85841846,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1821979135274887},{"word":"way","start":2178.915,"end":2179.155,"confidence":0.9958275,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1286814957857132},{"word":"it's","start":2179.155,"end":2179.395,"confidence":0.7936281,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.039433494210243225},{"word":"sort","start":2179.395,"end":2179.5552,"confidence":0.99453306,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04479876160621643},{"word":"of","start":2179.5552,"end":2179.7952,"confidence":0.99906987,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13078799843788147},{"word":"intended","start":2179.7952,"end":2180.2952,"confidence":0.9998233,"punctuated_word":"intended","sentiment":"neutral","sentiment_score":0.13127173483371735},{"word":"to","start":2180.355,"end":2180.855,"confidence":0.9959868,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.1526944637298584},{"word":"you're","start":2180.995,"end":2181.155,"confidence":0.99880594,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19738411903381348},{"word":"gonna","start":2181.155,"end":2181.475,"confidence":0.99898547,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.18047447502613068},{"word":"be","start":2181.475,"end":2181.5552,"confidence":0.99420387,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.27499139308929443},{"word":"in","start":2181.5552,"end":2181.715,"confidence":0.99810046,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18795400857925415},{"word":"a","start":2181.715,"end":2181.7952,"confidence":0.99877745,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1175187975168228},{"word":"greater","start":2181.7952,"end":2182.115,"confidence":0.9985898,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.1482422947883606},{"word":"position","start":2182.115,"end":2182.615,"confidence":0.99963963,"punctuated_word":"position.","sentiment":"neutral","sentiment_score":-0.062260013073682785},{"word":"however","start":2182.7551,"end":2183.155,"confidence":0.9992324,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.004850510507822037},{"word":"if","start":2183.155,"end":2183.3152,"confidence":0.9992094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.013066969811916351},{"word":"you","start":2183.3152,"end":2183.475,"confidence":0.9984548,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002195000648498535},{"word":"take","start":2183.475,"end":2183.715,"confidence":0.9966654,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.004311837255954742},{"word":"that","start":2183.715,"end":2183.955,"confidence":0.9971733,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.043336592614650726},{"word":"money","start":2183.955,"end":2184.195,"confidence":0.9997565,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.03156723827123642},{"word":"at","start":2184.195,"end":2184.435,"confidence":0.539869,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.048938557505607605},{"word":"now","start":2184.435,"end":2184.8352,"confidence":0.9889229,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.03693477064371109},{"word":"even","start":2184.8352,"end":2185.0752,"confidence":0.9982686,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.0422818623483181},{"word":"if","start":2185.0752,"end":2185.235,"confidence":0.9981173,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03120000846683979},{"word":"we","start":2185.235,"end":2185.3152,"confidence":0.9951728,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01891593635082245},{"word":"are","start":2185.3152,"end":2185.475,"confidence":0.9888671,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05461665242910385},{"word":"putting","start":2185.475,"end":2185.7952,"confidence":0.99356586,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.044956281781196594},{"word":"contributions","start":2185.7952,"end":2186.2952,"confidence":0.9994106,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.03512747585773468},{"word":"back","start":2186.5151,"end":2186.7551,"confidence":0.969586,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.027507267892360687},{"word":"in","start":2186.7551,"end":2186.915,"confidence":0.98559,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.04573056101799011},{"word":"you","start":2186.915,"end":2187.155,"confidence":0.9724741,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.052559711039066315},{"word":"never","start":2187.155,"end":2187.395,"confidence":0.94991153,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.05624973773956299},{"word":"actually","start":2187.395,"end":2187.69,"confidence":0.595074,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.07868990302085876},{"word":"get","start":2187.77,"end":2188.01,"confidence":0.99383646,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08797173202037811},{"word":"yourself","start":2188.01,"end":2188.3298,"confidence":0.99866855,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.07637698203325272},{"word":"back","start":2188.3298,"end":2188.5698,"confidence":0.99945194,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0943467766046524},{"word":"to","start":2188.5698,"end":2188.73,"confidence":0.9994448,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08477459847927094},{"word":"the","start":2188.73,"end":2188.89,"confidence":0.999041,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06663057208061218},{"word":"position","start":2188.89,"end":2189.21,"confidence":0.9998497,"punctuated_word":"position","sentiment":"neutral","sentiment_score":-0.05748312920331955},{"word":"that","start":2189.21,"end":2189.45,"confidence":0.99949265,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04433556646108627},{"word":"you","start":2189.45,"end":2189.53,"confidence":0.9996032,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01973729580640793},{"word":"would","start":2189.53,"end":2189.77,"confidence":0.9993494,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.046759311109781265},{"word":"have","start":2189.77,"end":2189.93,"confidence":0.6770878,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.012131847441196442},{"word":"been","start":2189.93,"end":2190.0898,"confidence":0.99713814,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.03575523570179939},{"word":"in","start":2190.0898,"end":2190.3298,"confidence":0.99585056,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.034093454480171204},{"word":"had","start":2190.3298,"end":2190.49,"confidence":0.9741182,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0284651517868042},{"word":"you","start":2190.49,"end":2190.73,"confidence":0.9992042,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003985308110713959},{"word":"not","start":2190.73,"end":2190.89,"confidence":0.99703526,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.031757377088069916},{"word":"withdrawn","start":2190.89,"end":2191.39,"confidence":0.9888467,"punctuated_word":"withdrawn.","sentiment":"neutral","sentiment_score":-0.055448513478040695},{"word":"but","start":2191.77,"end":2191.93,"confidence":0.99588853,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0015364736318588257},{"word":"at","start":2191.93,"end":2192.17,"confidence":0.9570909,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004718896001577377},{"word":"the","start":2192.17,"end":2192.25,"confidence":0.99957544,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016153302043676376},{"word":"same","start":2192.25,"end":2192.49,"confidence":0.9998054,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.04702368378639221},{"word":"time","start":2192.49,"end":2192.99,"confidence":0.9937565,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.05947944521903992},{"word":"taking","start":2193.29,"end":2193.6099,"confidence":0.99930584,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.06346125900745392},{"word":"that","start":2193.6099,"end":2193.77,"confidence":0.99910873,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0852062925696373},{"word":"money","start":2193.77,"end":2194.0898,"confidence":0.99995434,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.054804764688014984},{"word":"out","start":2194.0898,"end":2194.3298,"confidence":0.99430203,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03642004728317261},{"word":"of","start":2194.3298,"end":2194.49,"confidence":0.8028636,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06849251687526703},{"word":"the","start":2194.49,"end":2194.65,"confidence":0.9988636,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0708354264497757},{"word":"super","start":2194.65,"end":2194.97,"confidence":0.95032585,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.07878540456295013},{"word":"side","start":2194.97,"end":2195.13,"confidence":0.99267685,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.11145627498626708},{"word":"of","start":2195.13,"end":2195.29,"confidence":0.99895346,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07925602793693542},{"word":"things","start":2195.29,"end":2195.6099,"confidence":0.9965439,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.10016714036464693},{"word":"it","start":2195.6099,"end":2195.77,"confidence":0.9996897,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11544334143400192},{"word":"is","start":2195.77,"end":2195.93,"confidence":0.9997726,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08199198544025421},{"word":"a","start":2195.93,"end":2196.0898,"confidence":0.99861944,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12554307281970978},{"word":"tax","start":2196.0898,"end":2196.3298,"confidence":0.9979461,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.15796959400177002},{"word":"free","start":2196.3298,"end":2196.5698,"confidence":0.9882853,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.12387413531541824},{"word":"withdrawal","start":2196.5698,"end":2197.05,"confidence":0.9294946,"punctuated_word":"withdrawal.","sentiment":"neutral","sentiment_score":0.0920395702123642},{"word":"you","start":2197.05,"end":2197.21,"confidence":0.99971634,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11674514412879944},{"word":"are","start":2197.21,"end":2197.45,"confidence":0.9997135,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1087145209312439},{"word":"over","start":2197.45,"end":2197.77,"confidence":0.99942774,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.18723782896995544},{"word":"60","start":2197.77,"end":2198.27,"confidence":0.9928254,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.14945939183235168},{"word":"it","start":2198.97,"end":2199.13,"confidence":0.73670113,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.21219857037067413},{"word":"has","start":2199.13,"end":2199.3699,"confidence":0.8420112,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.20384830236434937},{"word":"does","start":2199.45,"end":2199.69,"confidence":0.9923111,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.21845030784606936},{"word":"help","start":2199.69,"end":2199.93,"confidence":0.9978656,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2962864637374878},{"word":"you","start":2199.93,"end":2200.0898,"confidence":0.98320585,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2044743299484253},{"word":"to","start":2200.0898,"end":2200.25,"confidence":0.9978046,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20951661467552185},{"word":"reduce","start":2200.25,"end":2200.73,"confidence":0.9996915,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.13969123363494873},{"word":"the","start":2200.73,"end":2200.89,"confidence":0.9955526,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13303916156291962},{"word":"loan","start":2200.89,"end":2201.21,"confidence":0.99979466,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.04155325889587402},{"word":"amount","start":2201.21,"end":2201.71,"confidence":0.747687,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.12167521566152573},{"word":"and","start":2201.93,"end":2202.43,"confidence":0.93825465,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.1028163731098175},{"word":"realistically","start":2202.655,"end":2203.135,"confidence":0.9998455,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.08696001768112183},{"word":"you","start":2203.135,"end":2203.375,"confidence":0.9998424,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0903717800974846},{"word":"are","start":2203.375,"end":2203.5352,"confidence":0.99981636,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07088493555784225},{"word":"paying","start":2203.5352,"end":2203.8552,"confidence":0.9998952,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.07169559597969055},{"word":"interest","start":2203.8552,"end":2204.3352,"confidence":0.9995408,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.08180101215839386},{"word":"on","start":2204.3352,"end":2204.495,"confidence":0.99987864,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1253199577331543},{"word":"that","start":2204.495,"end":2204.735,"confidence":0.9998234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09855812788009644},{"word":"loan","start":2204.735,"end":2205.0552,"confidence":0.9975496,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.050859712064266205},{"word":"because","start":2205.0552,"end":2205.2952,"confidence":0.9259594,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07617129385471344},{"word":"it","start":2205.2952,"end":2205.455,"confidence":0.9809395,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0871434360742569},{"word":"is","start":2205.455,"end":2205.6152,"confidence":0.99354607,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06596203148365021},{"word":"a","start":2205.6152,"end":2205.695,"confidence":0.99630785,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08111047744750977},{"word":"car","start":2205.695,"end":2205.935,"confidence":0.9908025,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.056918613612651825},{"word":"loan","start":2205.935,"end":2206.0952,"confidence":0.996121,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.04087340459227562},{"word":"or","start":2206.0952,"end":2206.3352,"confidence":0.99575883,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06109613925218582},{"word":"a","start":2206.3352,"end":2206.495,"confidence":0.9807834,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10009196400642396},{"word":"personal","start":2206.495,"end":2206.8152,"confidence":0.9996916,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.04749789834022522},{"word":"loan","start":2206.8152,"end":2207.0552,"confidence":0.9995184,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.0474671833217144},{"word":"there","start":2207.0552,"end":2207.2952,"confidence":0.7589749,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.05495641008019447},{"word":"so","start":2207.2952,"end":2207.455,"confidence":0.99945563,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08440752327442169},{"word":"the","start":2207.455,"end":2207.6152,"confidence":0.99929285,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09946084022521973},{"word":"interest","start":2207.6152,"end":2208.1152,"confidence":0.99914145,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.09964174032211304},{"word":"could","start":2208.415,"end":2208.655,"confidence":0.99944407,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09132306277751924},{"word":"certainly","start":2208.655,"end":2209.0552,"confidence":0.99644643,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":0.16751839220523834},{"word":"outweigh","start":2209.0552,"end":2209.5352,"confidence":0.9973558,"punctuated_word":"outweigh","sentiment":"neutral","sentiment_score":0.10107281059026718},{"word":"the","start":2209.5352,"end":2209.7751,"confidence":0.99846387,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0859433263540268},{"word":"the","start":2209.7751,"end":2209.935,"confidence":0.9982047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09741829335689545},{"word":"return","start":2209.935,"end":2210.3352,"confidence":0.99924207,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.09288111329078674},{"word":"that","start":2210.3352,"end":2210.495,"confidence":0.9997495,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09363402426242828},{"word":"you","start":2210.495,"end":2210.655,"confidence":0.99987423,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07287923991680145},{"word":"might","start":2210.655,"end":2210.8152,"confidence":0.9999076,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.04684384539723396},{"word":"have","start":2210.8152,"end":2210.975,"confidence":0.95751274,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06965005397796631},{"word":"got","start":2210.975,"end":2211.215,"confidence":0.97884357,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10205677151679993},{"word":"on","start":2211.215,"end":2211.2952,"confidence":0.99964917,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10531599074602128},{"word":"that","start":2211.2952,"end":2211.5352,"confidence":0.9997205,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09418363869190216},{"word":"money","start":2211.5352,"end":2212.0352,"confidence":0.99816453,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.07175406068563461},{"word":"paying","start":2212.495,"end":2212.895,"confidence":0.99739885,"punctuated_word":"Paying","sentiment":"neutral","sentiment_score":0.08852355182170868},{"word":"down","start":2212.895,"end":2213.215,"confidence":0.99227506,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2024860978126526},{"word":"the","start":2213.215,"end":2213.375,"confidence":0.9916379,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14496882259845734},{"word":"loan","start":2213.375,"end":2213.8552,"confidence":0.9990716,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.14853617548942566},{"word":"tends","start":2213.8552,"end":2214.2551,"confidence":0.99846244,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.16029757261276245},{"word":"to","start":2214.2551,"end":2214.415,"confidence":0.9995815,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14503400027751925},{"word":"give","start":2214.415,"end":2214.5752,"confidence":0.99646723,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1823931336402893},{"word":"you","start":2214.5752,"end":2214.735,"confidence":0.9995795,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1624518483877182},{"word":"a","start":2214.735,"end":2214.8152,"confidence":0.9513757,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16330179572105408},{"word":"more","start":2214.8152,"end":2215.0552,"confidence":0.9726739,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1546848714351654},{"word":"of","start":2215.0552,"end":2215.135,"confidence":0.99864763,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18662700057029724},{"word":"a","start":2215.135,"end":2215.215,"confidence":0.9982755,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2010974287986755},{"word":"guaranteed","start":2215.215,"end":2215.715,"confidence":0.9979527,"punctuated_word":"guaranteed","sentiment":"neutral","sentiment_score":0.2223869562149048},{"word":"rate","start":2215.935,"end":2216.0952,"confidence":0.9912547,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.29267603158950806},{"word":"of","start":2216.0952,"end":2216.37,"confidence":0.9984622,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20140162110328672},{"word":"return","start":2216.4502,"end":2216.77,"confidence":0.97071767,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.1845364272594452},{"word":"you","start":2216.77,"end":2216.85,"confidence":0.9996486,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1900770366191864},{"word":"are","start":2216.85,"end":2217.1702,"confidence":0.99944454,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17866241931915283},{"word":"reducing","start":2217.1702,"end":2217.6501,"confidence":0.9962441,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.21840587258338928},{"word":"the","start":2217.6501,"end":2217.7302,"confidence":0.99590707,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2058408260345459},{"word":"debt","start":2217.7302,"end":2217.9702,"confidence":0.9991534,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.16443131864070892},{"word":"and","start":2217.9702,"end":2218.1301,"confidence":0.94003993,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2100275456905365},{"word":"the","start":2218.1301,"end":2218.2102,"confidence":0.9977164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2117754966020584},{"word":"amount","start":2218.2102,"end":2218.4502,"confidence":0.99971694,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.1415146291255951},{"word":"of","start":2218.4502,"end":2218.53,"confidence":0.99709094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13322091102600098},{"word":"interest","start":2218.53,"end":2218.9302,"confidence":0.9952181,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.14657005667686462},{"word":"you","start":2218.9302,"end":2219.01,"confidence":0.9982823,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14613506197929382},{"word":"pay","start":2219.01,"end":2219.25,"confidence":0.93384707,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1307438760995865},{"word":"to","start":2219.25,"end":2219.4102,"confidence":0.9816305,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20411433279514313},{"word":"the","start":2219.4102,"end":2219.4902,"confidence":0.99718434,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15515346825122833},{"word":"bank","start":2219.4902,"end":2219.81,"confidence":0.9882983,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.19952933490276337},{"word":"for","start":2219.81,"end":2219.9702,"confidence":0.98961735,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17965289950370789},{"word":"that","start":2219.9702,"end":2220.2102,"confidence":0.94456863,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.20122459530830383},{"word":"which","start":2220.2102,"end":2220.7102,"confidence":0.99994576,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.19566528499126432},{"word":"could","start":2220.77,"end":2220.9302,"confidence":0.77063876,"punctuated_word":"could,","sentiment":"neutral","sentiment_score":0.21020835638046265},{"word":"in","start":2220.9302,"end":2221.0503,"confidence":0.9996075,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2505846619606018},{"word":"the","start":2221.0503,"end":2221.1702,"confidence":0.7533965,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2288828194141388},{"word":"long","start":2221.1702,"end":2221.4902,"confidence":0.9998473,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.29854297637939453},{"word":"term","start":2221.4902,"end":2221.9902,"confidence":0.99738824,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.2839656174182892},{"word":"put","start":2222.2102,"end":2222.4502,"confidence":0.99822193,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.27611085772514343},{"word":"you","start":2222.4502,"end":2222.53,"confidence":0.9997981,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25181758403778076},{"word":"in","start":2222.53,"end":2222.6902,"confidence":0.9995881,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3379337787628174},{"word":"a","start":2222.6902,"end":2222.85,"confidence":0.9994991,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24670103192329407},{"word":"better","start":2222.85,"end":2223.1702,"confidence":0.9999559,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.1705223023891449},{"word":"position","start":2223.1702,"end":2223.6702,"confidence":0.99861085,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.3042181432247162},{"word":"because","start":2223.7302,"end":2224.05,"confidence":0.87175,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13609781861305237},{"word":"you","start":2224.05,"end":2224.2102,"confidence":0.99818605,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17835350334644318},{"word":"may","start":2224.2102,"end":2224.29,"confidence":0.9189349,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.1918087601661682},{"word":"you","start":2224.4502,"end":2224.61,"confidence":0.9822416,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16239963471889496},{"word":"know","start":2224.61,"end":2224.85,"confidence":0.972913,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1625407338142395},{"word":"not","start":2224.85,"end":2225.09,"confidence":0.97107816,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.11169122159481049},{"word":"having","start":2225.09,"end":2225.4102,"confidence":0.9991792,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.10985583066940308},{"word":"that","start":2225.4102,"end":2225.6501,"confidence":0.9919666,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11457839608192444},{"word":"loan","start":2225.6501,"end":2226.1301,"confidence":0.99937564,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.010917842388153076},{"word":"means","start":2226.1301,"end":2226.4502,"confidence":0.96831626,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.08048580586910248},{"word":"it's","start":2226.4502,"end":2226.61,"confidence":0.91831774,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09639044851064682},{"word":"one","start":2226.61,"end":2226.85,"confidence":0.99049944,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13707447052001953},{"word":"less","start":2226.85,"end":2227.01,"confidence":0.99056226,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.0866277664899826},{"word":"thing","start":2227.01,"end":2227.25,"confidence":0.9967443,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1375899761915207},{"word":"to","start":2227.25,"end":2227.4102,"confidence":0.9960913,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10590599477291109},{"word":"factor","start":2227.4102,"end":2227.7302,"confidence":0.9987398,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.11687518656253816},{"word":"into","start":2227.7302,"end":2228.1301,"confidence":0.98657864,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09012026339769363},{"word":"expenses","start":2228.1301,"end":2228.53,"confidence":0.9957151,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.07087792456150055},{"word":"into","start":2228.53,"end":2228.85,"confidence":0.63316774,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0704159066081047},{"word":"retirement","start":2228.85,"end":2229.35,"confidence":0.9569633,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.04017431288957596},{"word":"income","start":2229.4902,"end":2229.9902,"confidence":0.97196877,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.07766745239496231},{"word":"so","start":2230.05,"end":2230.4502,"confidence":0.9997025,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06167224794626236},{"word":"it's","start":2230.4502,"end":2230.6902,"confidence":0.99899125,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0588003508746624},{"word":"more","start":2230.6902,"end":2230.85,"confidence":0.99935883,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05505251884460449},{"word":"just","start":2230.85,"end":2231.09,"confidence":0.9928946,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05308075249195099},{"word":"about","start":2231.09,"end":2231.4102,"confidence":0.9987136,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05664602294564247},{"word":"making","start":2231.4102,"end":2231.6501,"confidence":0.9997886,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.06046339124441147},{"word":"sure","start":2231.6501,"end":2231.8901,"confidence":0.99988055,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.093531534075737},{"word":"that","start":2231.8901,"end":2232.05,"confidence":0.9998728,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10993507504463196},{"word":"you're","start":2232.05,"end":2232.345,"confidence":0.9981088,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08852379024028778},{"word":"comfortable","start":2232.505,"end":2232.825,"confidence":0.9999217,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.09094604104757308},{"word":"with","start":2232.825,"end":2233.325,"confidence":0.9998641,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10643426328897476},{"word":"that","start":2233.705,"end":2234.025,"confidence":0.9794903,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09524399787187576},{"word":"you","start":2234.025,"end":2234.185,"confidence":0.7698929,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06796872615814209},{"word":"are","start":2234.185,"end":2234.425,"confidence":0.99965227,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09341436624526978},{"word":"taking","start":2234.425,"end":2234.7449,"confidence":0.99978286,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.13456842303276062},{"word":"money","start":2234.7449,"end":2234.9849,"confidence":0.99980336,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.12885519862174988},{"word":"out","start":2234.9849,"end":2235.145,"confidence":0.9997421,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08390209078788757},{"word":"of","start":2235.145,"end":2235.305,"confidence":0.9987684,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10588935762643814},{"word":"the","start":2235.305,"end":2235.465,"confidence":0.9949793,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09376350045204164},{"word":"super","start":2235.465,"end":2235.965,"confidence":0.47647792,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.057937800884246826},{"word":"system","start":2236.185,"end":2236.585,"confidence":0.89075255,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.015902400016784668},{"word":"to","start":2236.585,"end":2236.7449,"confidence":0.99975556,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03333283215761185},{"word":"pay","start":2236.7449,"end":2236.905,"confidence":0.99993646,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.028044268488883972},{"word":"it","start":2236.905,"end":2237.145,"confidence":0.9994702,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03358545899391174},{"word":"back","start":2237.145,"end":2237.385,"confidence":0.99523056,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.041184064000844955},{"word":"it","start":2237.385,"end":2237.545,"confidence":0.9997429,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04232814908027649},{"word":"does","start":2237.545,"end":2237.865,"confidence":0.99721426,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.06785281002521515},{"word":"mean","start":2237.865,"end":2238.185,"confidence":0.999173,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.048251524567604065},{"word":"longevity","start":2238.185,"end":2238.685,"confidence":0.7817778,"punctuated_word":"longevity","sentiment":"neutral","sentiment_score":0.10257992148399352},{"word":"wise","start":2238.825,"end":2239.325,"confidence":0.82754886,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.08441133797168732},{"word":"there","start":2239.385,"end":2239.545,"confidence":0.90686077,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06942759454250336},{"word":"could","start":2239.545,"end":2239.785,"confidence":0.99979764,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.033500976860523224},{"word":"be","start":2239.785,"end":2239.945,"confidence":0.9991627,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07763133943080902},{"word":"an","start":2239.945,"end":2240.025,"confidence":0.99348915,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08956937491893768},{"word":"effect","start":2240.025,"end":2240.345,"confidence":0.99074954,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":0.1274031400680542},{"word":"on","start":2240.345,"end":2240.505,"confidence":0.9992834,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0915720835328102},{"word":"your","start":2240.505,"end":2240.7449,"confidence":0.9965945,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06376959383487701},{"word":"super","start":2240.7449,"end":2241.2449,"confidence":0.8359964,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.08633576333522797},{"word":"but","start":2241.385,"end":2241.545,"confidence":0.99966073,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.041748180985450745},{"word":"it's","start":2241.545,"end":2241.705,"confidence":0.99908227,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.005962866358458996},{"word":"not","start":2241.705,"end":2241.945,"confidence":0.9993812,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.008472800254821777},{"word":"the","start":2241.945,"end":2242.105,"confidence":0.9539586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02035617828369141},{"word":"be","start":2242.105,"end":2242.265,"confidence":0.90179217,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.012822426855564116},{"word":"all","start":2242.265,"end":2242.345,"confidence":0.97605217,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.005607247352600098},{"word":"and","start":2242.345,"end":2242.505,"confidence":0.964282,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.012104861438274384},{"word":"end","start":2242.505,"end":2242.665,"confidence":0.9860093,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.04301591217517853},{"word":"all","start":2242.665,"end":2242.825,"confidence":0.9938966,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.00957724079489708},{"word":"it's","start":2242.825,"end":2242.9849,"confidence":0.99856853,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.02666649967432022},{"word":"it's","start":2242.9849,"end":2243.2249,"confidence":0.9984871,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04488622769713402},{"word":"about","start":2243.2249,"end":2243.545,"confidence":0.9981627,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05875910818576813},{"word":"making","start":2243.545,"end":2243.785,"confidence":0.9998735,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.04834622889757157},{"word":"sure","start":2243.785,"end":2244.025,"confidence":0.9997644,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06835368275642395},{"word":"you're","start":2244.025,"end":2244.265,"confidence":0.99874187,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07569915801286697},{"word":"comfortable","start":2244.265,"end":2244.7449,"confidence":0.99986386,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.045983150601387024},{"word":"with","start":2244.7449,"end":2244.905,"confidence":0.9998579,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0685669332742691},{"word":"that","start":2244.905,"end":2245.145,"confidence":0.9218497,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07391536235809326},{"word":"and","start":2245.145,"end":2245.385,"confidence":0.96577,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0813170000910759},{"word":"i","start":2245.385,"end":2245.465,"confidence":0.99952114,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08356831967830658},{"word":"can","start":2245.465,"end":2245.74,"confidence":0.99988425,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11284780502319336},{"word":"show","start":2245.74,"end":2245.98,"confidence":0.9997055,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.10387898981571198},{"word":"you","start":2245.98,"end":2246.22,"confidence":0.9995913,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10188766568899156},{"word":"if","start":2246.22,"end":2246.46,"confidence":0.38737896,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1152523010969162},{"word":"you","start":2246.46,"end":2246.6199,"confidence":0.99958783,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07668060809373856},{"word":"want","start":2246.6199,"end":2246.78,"confidence":0.99983823,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07139559090137482},{"word":"me","start":2246.78,"end":2246.94,"confidence":0.9998178,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0700160562992096},{"word":"to","start":2246.94,"end":2247.02,"confidence":0.80931073,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.07357574999332428},{"word":"i'll","start":2247.02,"end":2247.26,"confidence":0.99815464,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07169415056705475},{"word":"do","start":2247.26,"end":2247.5,"confidence":0.99882346,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07642257213592529},{"word":"the","start":2247.5,"end":2247.66,"confidence":0.99828917,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.068384550511837},{"word":"research","start":2247.66,"end":2248.14,"confidence":0.99957186,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.05014527589082718},{"word":"around","start":2248.14,"end":2248.46,"confidence":0.9996935,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.06749185919761658},{"word":"it","start":2248.46,"end":2248.96,"confidence":0.9928414,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05052992329001427},{"word":"i","start":2249.02,"end":2249.18,"confidence":0.99987113,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0821399912238121},{"word":"can","start":2249.18,"end":2249.34,"confidence":0.9998703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08068065345287323},{"word":"show","start":2249.34,"end":2249.5,"confidence":0.99978405,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.0986030250787735},{"word":"you","start":2249.5,"end":2249.74,"confidence":0.99907637,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09316430985927582},{"word":"what","start":2249.74,"end":2249.9,"confidence":0.9998367,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07445090264081955},{"word":"that","start":2249.9,"end":2250.14,"confidence":0.99989474,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07277350127696991},{"word":"looks","start":2250.14,"end":2250.46,"confidence":0.9995177,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.041384801268577576},{"word":"like","start":2250.46,"end":2250.78,"confidence":0.99423516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0652875304222107},{"word":"how","start":2250.78,"end":2251.02,"confidence":0.99994636,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05362892895936966},{"word":"it","start":2251.02,"end":2251.18,"confidence":0.9909888,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05074743181467056},{"word":"affects","start":2251.18,"end":2251.58,"confidence":0.9926399,"punctuated_word":"affects","sentiment":"neutral","sentiment_score":0.04311074689030647},{"word":"you","start":2251.58,"end":2251.74,"confidence":0.81799793,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.05769651383161545},{"word":"the","start":2251.74,"end":2251.9,"confidence":0.99988747,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05411863699555397},{"word":"long","start":2251.9,"end":2252.14,"confidence":0.9997459,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.0533813051879406},{"word":"term","start":2252.14,"end":2252.46,"confidence":0.997692,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.08102436363697052},{"word":"side","start":2252.46,"end":2252.7,"confidence":0.99691343,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.0709661990404129},{"word":"of","start":2252.7,"end":2252.86,"confidence":0.99733645,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05094197392463684},{"word":"things","start":2252.86,"end":2253.18,"confidence":0.956143,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.08787353336811066},{"word":"and","start":2253.18,"end":2253.42,"confidence":0.99792165,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07667713612318039},{"word":"factor","start":2253.42,"end":2253.74,"confidence":0.77731305,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.1042921543121338},{"word":"in","start":2253.74,"end":2253.9,"confidence":0.99007773,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06668736040592194},{"word":"the","start":2253.9,"end":2254.06,"confidence":0.9868721,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06538625061511993},{"word":"retirement","start":2254.06,"end":2254.56,"confidence":0.9982869,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.02851671725511551},{"word":"side","start":2254.7,"end":2255.02,"confidence":0.99377704,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.06695559620857239},{"word":"for","start":2255.02,"end":2255.18,"confidence":0.999481,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05988597869873047},{"word":"you","start":2255.18,"end":2255.42,"confidence":0.99939907,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06567157804965973},{"word":"for","start":2255.42,"end":2255.66,"confidence":0.8946984,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.052625346928834915},{"word":"age","start":2255.66,"end":2255.98,"confidence":0.5386138,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.04839404672384262},{"word":"67","start":2255.98,"end":2256.7,"confidence":0.9956875,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.05671350657939911},{"word":"to","start":2256.7,"end":2256.86,"confidence":0.8136977,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07431753724813461},{"word":"sort","start":2256.86,"end":2257.1,"confidence":0.9904987,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0785992443561554},{"word":"of","start":2257.1,"end":2257.18,"confidence":0.7339271,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0681680291891098},{"word":"show","start":2257.18,"end":2257.42,"confidence":0.99813664,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.057418931275606155},{"word":"you","start":2257.42,"end":2257.58,"confidence":0.9994491,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06537024676799774},{"word":"what","start":2257.58,"end":2257.74,"confidence":0.9997421,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06368734687566757},{"word":"we","start":2257.74,"end":2257.98,"confidence":0.9998266,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05699288845062256},{"word":"expect","start":2257.98,"end":2258.48,"confidence":0.99936634,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.031151149421930313},{"word":"based","start":2258.975,"end":2259.135,"confidence":0.9998191,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.07561870664358139},{"word":"on","start":2259.135,"end":2259.375,"confidence":0.99931693,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07045187056064606},{"word":"these","start":2259.375,"end":2259.695,"confidence":0.9891137,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0570506826043129},{"word":"recommendations","start":2259.695,"end":2260.195,"confidence":0.99252796,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.048249341547489166},{"word":"any","start":2261.215,"end":2261.455,"confidence":0.58556485,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.04633238539099693},{"word":"advice","start":2261.455,"end":2261.855,"confidence":0.98143643,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05099622532725334},{"word":"we","start":2261.855,"end":2262.095,"confidence":0.9983187,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05126155912876129},{"word":"provide","start":2262.095,"end":2262.575,"confidence":0.99630934,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.09106183052062988},{"word":"for","start":2262.575,"end":2262.735,"confidence":0.99897826,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07888860255479813},{"word":"you","start":2262.735,"end":2262.975,"confidence":0.9983257,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.06682136654853821},{"word":"darren","start":2262.975,"end":2263.375,"confidence":0.97615707,"punctuated_word":"Darren,","sentiment":"neutral","sentiment_score":0.07262830436229706},{"word":"is","start":2263.375,"end":2263.535,"confidence":0.9835333,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.053604356944561005},{"word":"always","start":2263.535,"end":2263.935,"confidence":0.9997032,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.0782196968793869},{"word":"up","start":2263.935,"end":2264.175,"confidence":0.9997868,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05912163108587265},{"word":"to","start":2264.175,"end":2264.2551,"confidence":0.9980756,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06687327474355698},{"word":"you","start":2264.2551,"end":2264.495,"confidence":0.99970895,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.057655222713947296},{"word":"to","start":2264.495,"end":2264.655,"confidence":0.98882747,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06486887484788895},{"word":"decide","start":2264.655,"end":2264.975,"confidence":0.99551207,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.07015831768512726},{"word":"whether","start":2264.975,"end":2265.215,"confidence":0.9971066,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.035079795867204666},{"word":"you're","start":2265.215,"end":2265.455,"confidence":0.99537694,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03774216026067734},{"word":"happy","start":2265.455,"end":2265.695,"confidence":0.9998599,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.031139589846134182},{"word":"to","start":2265.695,"end":2265.855,"confidence":0.99791545,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04681389033794403},{"word":"take","start":2265.855,"end":2266.0151,"confidence":0.99909186,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.04201936349272728},{"word":"you","start":2266.175,"end":2266.2551,"confidence":0.9984168,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0429995097219944},{"word":"get","start":2266.2551,"end":2266.495,"confidence":0.9899182,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07911606132984161},{"word":"to","start":2266.495,"end":2266.575,"confidence":0.99816775,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06015748530626297},{"word":"decide","start":2266.575,"end":2266.895,"confidence":0.9993975,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.05098782852292061},{"word":"whether","start":2266.895,"end":2267.135,"confidence":0.99848336,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.020528610795736313},{"word":"you","start":2267.135,"end":2267.295,"confidence":0.99603647,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037433214485645294},{"word":"take","start":2267.295,"end":2267.535,"confidence":0.9949222,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.01870744302868843},{"word":"all","start":2267.535,"end":2267.695,"confidence":0.999356,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.030111245810985565},{"word":"the","start":2267.695,"end":2267.855,"confidence":0.9955493,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034823086112737656},{"word":"recommendations","start":2267.855,"end":2268.355,"confidence":0.9733193,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":0.0277018453925848},{"word":"some","start":2268.575,"end":2268.815,"confidence":0.9990559,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04513120651245117},{"word":"of","start":2268.815,"end":2268.895,"confidence":0.9986266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03900697082281113},{"word":"them","start":2268.895,"end":2269.135,"confidence":0.999749,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.031048323959112167},{"word":"or","start":2269.135,"end":2269.375,"confidence":0.8845983,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.009312726557254791},{"word":"none","start":2269.375,"end":2269.535,"confidence":0.9996669,"punctuated_word":"none","sentiment":"neutral","sentiment_score":0.013406068086624146},{"word":"of","start":2269.535,"end":2269.695,"confidence":0.9988944,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03835266828536987},{"word":"them","start":2269.695,"end":2270.195,"confidence":0.95499486,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.047439128160476685},{"word":"and","start":2270.735,"end":2270.975,"confidence":0.9332158,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05815548449754715},{"word":"we'll","start":2270.975,"end":2271.215,"confidence":0.99819505,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0813058614730835},{"word":"show","start":2271.215,"end":2271.455,"confidence":0.9994216,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.10405560582876204},{"word":"you","start":2271.455,"end":2271.615,"confidence":0.99909556,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08655708283185959},{"word":"the","start":2271.615,"end":2271.855,"confidence":0.9992544,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.062357738614082336},{"word":"advantages","start":2271.855,"end":2272.355,"confidence":0.92334807,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.07548478245735168},{"word":"the","start":2272.415,"end":2272.495,"confidence":0.985721,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03930847346782684},{"word":"disadvantages","start":2272.495,"end":2272.995,"confidence":0.99051845,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.005200417246669531},{"word":"and","start":2273.215,"end":2273.375,"confidence":0.993056,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03582363575696945},{"word":"the","start":2273.375,"end":2273.455,"confidence":0.99232566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02338448166847229},{"word":"risks","start":2273.455,"end":2273.73,"confidence":0.9556819,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.07717865705490112},{"word":"involved","start":2273.97,"end":2274.29,"confidence":0.995245,"punctuated_word":"involved.","sentiment":"neutral","sentiment_score":0.01265682652592659},{"word":"does","start":2274.29,"end":2274.6099,"confidence":0.9972024,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0409814715385437},{"word":"that","start":2274.6099,"end":2274.77,"confidence":0.9998659,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05870843678712845},{"word":"sound","start":2274.77,"end":2275.01,"confidence":0.99964786,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.03811024874448776},{"word":"alright","start":2275.01,"end":2275.51,"confidence":0.99715924,"punctuated_word":"alright?","sentiment":"neutral","sentiment_score":0.030511025339365005},{"word":"yeah","start":2277.09,"end":2277.57,"confidence":0.83870333,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08070740103721619},{"word":"yep","start":2277.57,"end":2277.89,"confidence":0.88977665,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1621175855398178},{"word":"perfect","start":2277.89,"end":2278.39,"confidence":0.9674017,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4734030067920685},{"word":"well","start":2279.33,"end":2279.57,"confidence":0.8769735,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.36486589908599854},{"word":"i","start":2279.57,"end":2279.65,"confidence":0.9993006,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.408080130815506},{"word":"can","start":2279.65,"end":2279.89,"confidence":0.99971145,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.412118524312973},{"word":"have","start":2279.89,"end":2280.05,"confidence":0.9997004,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4231111109256744},{"word":"a","start":2280.05,"end":2280.13,"confidence":0.9997068,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3928351402282715},{"word":"really","start":2280.13,"end":2280.3699,"confidence":0.99987614,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4206306040287018},{"word":"good","start":2280.3699,"end":2280.53,"confidence":0.99953604,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3898482918739319},{"word":"look","start":2280.53,"end":2280.77,"confidence":0.9997526,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.46746981143951416},{"word":"at","start":2280.77,"end":2280.85,"confidence":0.99959415,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5040411353111267},{"word":"all","start":2280.85,"end":2281.09,"confidence":0.99977666,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4766944646835327},{"word":"of","start":2281.09,"end":2281.17,"confidence":0.93518734,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5359469056129456},{"word":"that","start":2281.17,"end":2281.33,"confidence":0.9999249,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4278828501701355},{"word":"for","start":2281.33,"end":2281.49,"confidence":0.9998159,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4104226231575012},{"word":"you","start":2281.49,"end":2281.73,"confidence":0.99718976,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3701649308204651},{"word":"it's","start":2281.73,"end":2281.97,"confidence":0.99527526,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.3281227946281433},{"word":"not","start":2281.97,"end":2282.13,"confidence":0.999882,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.3011469841003418},{"word":"a","start":2282.13,"end":2282.21,"confidence":0.99925166,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2999131679534912},{"word":"problem","start":2282.21,"end":2282.71,"confidence":0.999905,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.32526659965515137},{"word":"okay","start":2282.85,"end":2283.33,"confidence":0.6059402,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.24135622382164},{"word":"beautiful","start":2283.33,"end":2283.83,"confidence":0.99241745,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5203801989555359},{"word":"excellent","start":2285.17,"end":2285.67,"confidence":0.9792855,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6590210199356079},{"word":"perfect","start":2287.09,"end":2287.59,"confidence":0.96636534,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.645136833190918},{"word":"it","start":2288.465,"end":2288.625,"confidence":0.9981293,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4440338611602783},{"word":"does","start":2288.625,"end":2289.0251,"confidence":0.99729717,"punctuated_word":"does.","sentiment":"positive","sentiment_score":0.4477024674415589},{"word":"it","start":2289.0251,"end":2289.185,"confidence":0.9996848,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3816000819206238},{"word":"does","start":2289.185,"end":2289.685,"confidence":0.9984771,"punctuated_word":"does.","sentiment":"positive","sentiment_score":0.42356225848197937},{"word":"easy","start":2289.825,"end":2290.325,"confidence":0.9991592,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.3287861943244934},{"word":"now","start":2291.665,"end":2292.165,"confidence":0.75948465,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1275239139795303},{"word":"the","start":2292.385,"end":2292.785,"confidence":0.9808245,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07994146645069122},{"word":"next","start":2292.785,"end":2293.185,"confidence":0.98483086,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.12665759027004242},{"word":"asset","start":2293.185,"end":2293.665,"confidence":0.9916751,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.15475808084011078},{"word":"i","start":2293.665,"end":2293.825,"confidence":0.9934238,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08184678852558136},{"word":"have","start":2293.825,"end":2294.065,"confidence":0.9999628,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09811638295650482},{"word":"on","start":2294.065,"end":2294.225,"confidence":0.9974963,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10126000642776488},{"word":"here","start":2294.225,"end":2294.725,"confidence":0.99979013,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.10045498609542848},{"word":"is","start":2294.785,"end":2295.0251,"confidence":0.99979645,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13597774505615234},{"word":"your","start":2295.0251,"end":2295.425,"confidence":0.99960154,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1622471809387207},{"word":"contents","start":2295.425,"end":2295.925,"confidence":0.8078474,"punctuated_word":"contents.","sentiment":"neutral","sentiment_score":0.13676078617572784},{"word":"we","start":2296.065,"end":2296.305,"confidence":0.99921584,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.056162234395742416},{"word":"have","start":2296.305,"end":2296.465,"confidence":0.599815,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06227847933769226},{"word":"that","start":2296.465,"end":2296.705,"confidence":0.9994079,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07832920551300049},{"word":"valued","start":2296.705,"end":2297.185,"confidence":0.9966298,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":0.09471715986728668},{"word":"at","start":2297.185,"end":2297.345,"confidence":0.98362166,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07202707231044769},{"word":"about","start":2297.345,"end":2297.585,"confidence":0.9975139,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06875912100076675},{"word":"8,000","start":2297.585,"end":2298.305,"confidence":0.9993417,"punctuated_word":"8,000.","sentiment":"neutral","sentiment_score":0.0464421845972538},{"word":"do","start":2298.305,"end":2298.465,"confidence":0.99947375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.02865026891231537},{"word":"you","start":2298.465,"end":2298.545,"confidence":0.99957186,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06167120486497879},{"word":"feel","start":2298.545,"end":2298.785,"confidence":0.9991478,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.09820474684238434},{"word":"like","start":2298.785,"end":2298.945,"confidence":0.75086325,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09239304810762404},{"word":"that's","start":2298.945,"end":2299.185,"confidence":0.99247175,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1092410683631897},{"word":"fairly","start":2299.185,"end":2299.5051,"confidence":0.91267157,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.0997512713074684},{"word":"comfortable","start":2299.5051,"end":2299.985,"confidence":0.7050872,"punctuated_word":"comfortable?","sentiment":"neutral","sentiment_score":0.11639273166656494},{"word":"you","start":2299.985,"end":2300.225,"confidence":0.92769325,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.010151136666536331},{"word":"leave","start":2300.225,"end":2300.385,"confidence":0.669712,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.038436923176050186},{"word":"that","start":2300.385,"end":2300.625,"confidence":0.9971198,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05009381100535393},{"word":"at","start":2300.625,"end":2300.705,"confidence":0.995767,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025639619678258896},{"word":"the","start":2300.705,"end":2300.865,"confidence":0.9970976,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031938664615154266},{"word":"same","start":2300.865,"end":2301.105,"confidence":0.9998166,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.03132769837975502},{"word":"amount","start":2301.105,"end":2301.605,"confidence":0.89777446,"punctuated_word":"amount?","sentiment":"neutral","sentiment_score":0.03134605288505554},{"word":"yep","start":2303.12,"end":2303.62,"confidence":0.9974933,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1505332589149475},{"word":"beautiful","start":2303.6802,"end":2304.1802,"confidence":0.9996538,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7854703068733215},{"word":"excellent","start":2305.04,"end":2305.54,"confidence":0.9996046,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.773591160774231},{"word":"and","start":2305.76,"end":2306.0,"confidence":0.99978524,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4666142463684082},{"word":"is","start":2306.0,"end":2306.1602,"confidence":0.99979836,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.37065503001213074},{"word":"there","start":2306.1602,"end":2306.32,"confidence":0.99991834,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.32410717010498047},{"word":"anything","start":2306.32,"end":2306.72,"confidence":0.9996263,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.33083435893058777},{"word":"else","start":2306.72,"end":2306.9602,"confidence":0.9998869,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.33540597558021545},{"word":"that","start":2306.9602,"end":2307.12,"confidence":0.9997646,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18808762729167935},{"word":"we","start":2307.12,"end":2307.28,"confidence":0.9997141,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1304791420698166},{"word":"may","start":2307.28,"end":2307.36,"confidence":0.9998574,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.10269790142774582},{"word":"have","start":2307.36,"end":2307.6,"confidence":0.9995788,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09833845496177672},{"word":"missed","start":2307.6,"end":2307.9202,"confidence":0.7803893,"punctuated_word":"missed?","sentiment":"neutral","sentiment_score":0.12626126408576965},{"word":"any","start":2307.9202,"end":2308.1602,"confidence":0.99980193,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.09935296326875688},{"word":"other","start":2308.1602,"end":2308.48,"confidence":0.9993998,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09656315296888351},{"word":"assets","start":2308.48,"end":2308.8801,"confidence":0.99868447,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.06340280920267105},{"word":"or","start":2308.8801,"end":2309.2002,"confidence":0.99631846,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06777600944042206},{"word":"liabilities","start":2309.2002,"end":2309.7002,"confidence":0.99505794,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.07573863863945007},{"word":"that","start":2309.84,"end":2310.0,"confidence":0.99947816,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06404846161603928},{"word":"you","start":2310.0,"end":2310.1602,"confidence":0.9998392,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07640797644853592},{"word":"wanna","start":2310.1602,"end":2310.48,"confidence":0.9570564,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13336150348186493},{"word":"add","start":2310.48,"end":2310.72,"confidence":0.99966025,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.13100041449069977},{"word":"on","start":2310.72,"end":2310.8801,"confidence":0.99984527,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10223554819822311},{"word":"here","start":2310.8801,"end":2311.3801,"confidence":0.9974234,"punctuated_word":"here?","sentiment":"neutral","sentiment_score":0.09942077100276948},{"word":"yep","start":2315.775,"end":2316.175,"confidence":0.94310313,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18216310441493988},{"word":"perfect","start":2316.175,"end":2316.675,"confidence":0.99909055,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5268805623054504},{"word":"lovely","start":2317.615,"end":2318.115,"confidence":0.9995109,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.461952805519104},{"word":"health","start":2319.135,"end":2319.455,"confidence":0.7444802,"punctuated_word":"Health","sentiment":"neutral","sentiment_score":0.12557849287986755},{"word":"wise","start":2319.455,"end":2319.695,"confidence":0.8793335,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.1132320985198021},{"word":"you","start":2319.695,"end":2319.855,"confidence":0.98009837,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11041577160358428},{"word":"did","start":2319.855,"end":2320.015,"confidence":0.9976023,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.08762744814157486},{"word":"mention","start":2320.015,"end":2320.335,"confidence":0.9798007,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.06567688286304474},{"word":"that","start":2320.335,"end":2320.4949,"confidence":0.99975175,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0015394985675811768},{"word":"you've","start":2320.4949,"end":2320.815,"confidence":0.9803332,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.000922584324143827},{"word":"dropped","start":2320.815,"end":2321.135,"confidence":0.9986946,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.022345148026943207},{"word":"hours","start":2321.135,"end":2321.535,"confidence":0.6804761,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.046235039830207825},{"word":"due","start":2321.535,"end":2321.695,"confidence":0.991708,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.0626484602689743},{"word":"to","start":2321.695,"end":2321.855,"confidence":0.99773043,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.032686226069927216},{"word":"your","start":2321.855,"end":2322.015,"confidence":0.94180083,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.023611612617969513},{"word":"sort","start":2322.015,"end":2322.255,"confidence":0.95443517,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.03032243251800537},{"word":"of","start":2322.255,"end":2322.335,"confidence":0.8769605,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.029013391584157944},{"word":"health","start":2322.335,"end":2322.655,"confidence":0.70807457,"punctuated_word":"health.","sentiment":"neutral","sentiment_score":-0.011916596442461014},{"word":"how","start":2322.655,"end":2322.815,"confidence":0.6331365,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.025247134268283844},{"word":"what's","start":2322.975,"end":2323.215,"confidence":0.7905414,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.032313790172338486},{"word":"sort","start":2323.215,"end":2323.375,"confidence":0.9815144,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.015759877860546112},{"word":"of","start":2323.375,"end":2323.535,"confidence":0.9867116,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02477644383907318},{"word":"been","start":2323.535,"end":2323.695,"confidence":0.9895661,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.02730697765946388},{"word":"happening","start":2323.695,"end":2324.015,"confidence":0.99916804,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.014564689248800278},{"word":"over","start":2324.015,"end":2324.255,"confidence":0.9977087,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.008597888052463531},{"word":"the","start":2324.255,"end":2324.415,"confidence":0.99764806,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004778791218996048},{"word":"last","start":2324.415,"end":2324.575,"confidence":0.9994784,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.014169950038194656},{"word":"twelve","start":2324.575,"end":2324.815,"confidence":0.99941206,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.027038130909204483},{"word":"months","start":2324.815,"end":2325.135,"confidence":0.99498594,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.025177177041769028},{"word":"health","start":2325.135,"end":2325.375,"confidence":0.80134064,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.016543254256248474},{"word":"wise","start":2325.375,"end":2325.615,"confidence":0.9951668,"punctuated_word":"wise?","sentiment":"neutral","sentiment_score":-0.018021410331130028},{"word":"has","start":2325.615,"end":2325.775,"confidence":0.9277154,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":-0.02855399250984192},{"word":"everything","start":2325.775,"end":2326.255,"confidence":0.99929714,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.029252206906676292},{"word":"sort","start":2326.255,"end":2326.4949,"confidence":0.994843,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.045247044414281845},{"word":"of","start":2326.4949,"end":2326.655,"confidence":0.7966636,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04435322806239128},{"word":"changed","start":2326.655,"end":2327.155,"confidence":0.89448154,"punctuated_word":"changed?","sentiment":"neutral","sentiment_score":-0.04465273767709732},{"word":"or","start":2327.215,"end":2327.715,"confidence":0.9915707,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.042790163308382034},{"word":"mhmm","start":2333.8298,"end":2334.0698,"confidence":0.9859527,"punctuated_word":"mhmm.","sentiment":"neutral","sentiment_score":0.045621488243341446},{"word":"yep","start":2334.0698,"end":2334.5698,"confidence":0.9938724,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09240322560071944},{"word":"yeah","start":2347.845,"end":2348.165,"confidence":0.9680862,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18010497093200684},{"word":"yeah","start":2348.165,"end":2348.665,"confidence":0.9988573,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29234635829925537},{"word":"perfect","start":2348.965,"end":2349.465,"confidence":0.9945656,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.568839430809021},{"word":"and","start":2350.405,"end":2350.725,"confidence":0.99472225,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5067415237426758},{"word":"have","start":2350.725,"end":2350.885,"confidence":0.9974106,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6945493817329407},{"word":"this","start":2350.885,"end":2351.125,"confidence":0.9998679,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.7050769329071045},{"word":"lovely","start":2351.125,"end":2351.5251,"confidence":0.99984634,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.6795210838317871},{"word":"holiday","start":2351.5251,"end":2351.845,"confidence":0.99993014,"punctuated_word":"holiday","sentiment":"positive","sentiment_score":0.7916884422302246},{"word":"that","start":2351.845,"end":2352.0051,"confidence":0.99983037,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6634198427200317},{"word":"you're","start":2352.0051,"end":2352.245,"confidence":0.9986677,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.6550184488296509},{"word":"saving","start":2352.245,"end":2352.645,"confidence":0.99993336,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.6879011392593384},{"word":"up","start":2352.645,"end":2352.805,"confidence":0.98767674,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6821039319038391},{"word":"for","start":2352.805,"end":2353.305,"confidence":0.9954674,"punctuated_word":"for.","sentiment":"positive","sentiment_score":0.5650455355644226},{"word":"yeah","start":2361.23,"end":2361.73,"confidence":0.9990984,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.33440184593200684},{"word":"beautiful","start":2361.8699,"end":2362.3699,"confidence":0.99913335,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5672463178634644},{"word":"and","start":2363.31,"end":2363.55,"confidence":0.6017529,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3141777813434601},{"word":"i've","start":2363.55,"end":2363.71,"confidence":0.99976313,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.3220813274383545},{"word":"also","start":2363.71,"end":2363.95,"confidence":0.9994295,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.3046439290046692},{"word":"got","start":2363.95,"end":2364.19,"confidence":0.97750777,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.34966883063316345},{"word":"down","start":2364.19,"end":2364.3499,"confidence":0.9180729,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.257816344499588},{"word":"here","start":2364.3499,"end":2364.59,"confidence":0.99906284,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.3000297546386719},{"word":"that","start":2364.59,"end":2364.83,"confidence":0.7094152,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29190000891685486},{"word":"other","start":2364.83,"end":2365.07,"confidence":0.97120374,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.24344502389431},{"word":"goals","start":2365.07,"end":2365.39,"confidence":0.99624556,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.2437897026538849},{"word":"moving","start":2365.39,"end":2365.71,"confidence":0.8993659,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2901510000228882},{"word":"forward","start":2365.71,"end":2365.95,"confidence":0.79588425,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.2987978458404541},{"word":"you","start":2365.95,"end":2366.03,"confidence":0.98020613,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.17237064242362976},{"word":"also","start":2366.03,"end":2366.3499,"confidence":0.9930354,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.166552796959877},{"word":"wanna","start":2366.3499,"end":2366.67,"confidence":0.99782145,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2375729978084564},{"word":"pay","start":2366.67,"end":2366.91,"confidence":0.998406,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.22481152415275577},{"word":"down","start":2366.91,"end":2367.07,"confidence":0.998973,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.18954993784427643},{"word":"the","start":2367.07,"end":2367.31,"confidence":0.9993018,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2452678680419922},{"word":"car","start":2367.31,"end":2367.55,"confidence":0.9956813,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.15841874480247498},{"word":"loan","start":2367.55,"end":2367.79,"confidence":0.9993368,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.23359879851341248},{"word":"as","start":2367.79,"end":2367.95,"confidence":0.99969125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21374371647834775},{"word":"much","start":2367.95,"end":2368.19,"confidence":0.999819,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.22484318912029264},{"word":"as","start":2368.19,"end":2368.3499,"confidence":0.9991959,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16546456515789032},{"word":"possible","start":2368.3499,"end":2368.8499,"confidence":0.99909234,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.1548810452222824},{"word":"is","start":2369.375,"end":2369.535,"confidence":0.9680886,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0851472020149231},{"word":"there","start":2369.535,"end":2369.6948,"confidence":0.9998915,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11096224933862686},{"word":"anything","start":2369.6948,"end":2370.015,"confidence":0.99975365,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1361413300037384},{"word":"else","start":2370.015,"end":2370.415,"confidence":0.99819076,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":0.1049553006887436},{"word":"you","start":2370.415,"end":2370.575,"confidence":0.9999064,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07766791433095932},{"word":"know","start":2370.575,"end":2370.7349,"confidence":0.999781,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08774389326572418},{"word":"over","start":2370.7349,"end":2370.9749,"confidence":0.9998629,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1032879203557968},{"word":"the","start":2370.9749,"end":2371.055,"confidence":0.9998627,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11605840176343918},{"word":"next","start":2371.055,"end":2371.375,"confidence":0.9998361,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1007985845208168},{"word":"sort","start":2371.375,"end":2371.535,"confidence":0.93995416,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08816933631896973},{"word":"of","start":2371.535,"end":2371.615,"confidence":0.90742254,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08918449282646179},{"word":"two","start":2371.615,"end":2371.855,"confidence":0.9965172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10523083806037904},{"word":"to","start":2371.855,"end":2372.015,"confidence":0.9812935,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07307811081409454},{"word":"three","start":2372.015,"end":2372.255,"confidence":0.9996706,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.08505608141422272},{"word":"to","start":2372.255,"end":2372.415,"confidence":0.9891936,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06941352784633636},{"word":"five","start":2372.415,"end":2372.655,"confidence":0.9998653,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.0834248811006546},{"word":"or","start":2372.655,"end":2372.895,"confidence":0.9938147,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08564334362745285},{"word":"ten","start":2372.895,"end":2373.055,"confidence":0.99971443,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.086978018283844},{"word":"years","start":2373.055,"end":2373.375,"confidence":0.99956256,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.09866853803396224},{"word":"that","start":2373.375,"end":2373.535,"confidence":0.98838764,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09906606376171112},{"word":"you","start":2373.535,"end":2373.6948,"confidence":0.9998165,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09740214049816132},{"word":"might","start":2373.6948,"end":2373.9348,"confidence":0.9997836,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08749376237392426},{"word":"be","start":2373.9348,"end":2374.095,"confidence":0.99965,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1382632851600647},{"word":"wanting","start":2374.095,"end":2374.415,"confidence":0.99969065,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.12576736509799957},{"word":"to","start":2374.415,"end":2374.655,"confidence":0.9992249,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14213821291923523},{"word":"achieve","start":2374.655,"end":2375.155,"confidence":0.9735204,"punctuated_word":"achieve?","sentiment":"neutral","sentiment_score":0.10711368918418884},{"word":"or","start":2375.295,"end":2375.795,"confidence":0.91993624,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.03745117038488388},{"word":"yep","start":2396.925,"end":2397.2449,"confidence":0.82295907,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02271089516580105},{"word":"yep","start":2397.2449,"end":2397.7449,"confidence":0.86760634,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01911180280148983},{"word":"yeah","start":2407.1,"end":2407.6,"confidence":0.9639356,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024737803265452385},{"word":"yep","start":2407.82,"end":2408.32,"confidence":0.9943445,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02416340820491314},{"word":"absolutely","start":2414.2202,"end":2414.7202,"confidence":0.88743377,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.02995147556066513},{"word":"yep","start":2416.3801,"end":2416.8801,"confidence":0.9889132,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026707801967859268},{"word":"yep","start":2418.795,"end":2419.195,"confidence":0.8716868,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.040626779198646545},{"word":"absolutely","start":2419.195,"end":2419.695,"confidence":0.9973636,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.06858821213245392},{"word":"not","start":2420.075,"end":2420.235,"confidence":0.99945146,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.08563734591007233},{"word":"a","start":2420.235,"end":2420.395,"confidence":0.9997702,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05208876356482506},{"word":"problem","start":2420.395,"end":2420.895,"confidence":0.99862987,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.057800453156232834},{"word":"yeah","start":2421.035,"end":2421.535,"confidence":0.99745476,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02941681630909443},{"word":"yep","start":2424.155,"end":2424.635,"confidence":0.99684346,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032183632254600525},{"word":"no","start":2424.635,"end":2424.955,"confidence":0.99611443,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.03702026978135109},{"word":"absolutely","start":2424.955,"end":2425.455,"confidence":0.99418604,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.10732968896627426},{"word":"not","start":2425.755,"end":2425.9949,"confidence":0.99915016,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.14220473170280457},{"word":"an","start":2425.9949,"end":2426.235,"confidence":0.9994429,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04870637506246567},{"word":"issue","start":2426.235,"end":2426.555,"confidence":0.99993384,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":0.00383923202753067},{"word":"at","start":2426.555,"end":2426.795,"confidence":0.9998852,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07578855007886887},{"word":"all","start":2426.795,"end":2427.295,"confidence":0.9997872,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.15695203840732574},{"word":"now","start":2427.675,"end":2427.835,"confidence":0.82974064,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0820750892162323},{"word":"the","start":2427.835,"end":2427.9949,"confidence":0.9940819,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07316997647285461},{"word":"other","start":2427.9949,"end":2428.155,"confidence":0.9853677,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0638948455452919},{"word":"thing","start":2428.155,"end":2428.315,"confidence":0.9991172,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.07340635359287262},{"word":"i","start":2428.315,"end":2428.395,"confidence":0.9981342,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04009436070919037},{"word":"just","start":2428.395,"end":2428.635,"confidence":0.9997384,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03903399035334587},{"word":"wanted","start":2428.635,"end":2428.875,"confidence":0.99101853,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.037882249802351},{"word":"to","start":2428.875,"end":2429.035,"confidence":0.995934,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.049804043024778366},{"word":"sort","start":2429.035,"end":2429.195,"confidence":0.97652155,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.050255753099918365},{"word":"of","start":2429.195,"end":2429.435,"confidence":0.9985764,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06218170747160912},{"word":"evaluate","start":2429.435,"end":2429.835,"confidence":0.99906343,"punctuated_word":"evaluate","sentiment":"neutral","sentiment_score":0.0481080487370491},{"word":"with","start":2429.835,"end":2430.075,"confidence":0.99928373,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05029036104679108},{"word":"you","start":2430.075,"end":2430.235,"confidence":0.99986255,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06384357810020447},{"word":"is","start":2430.235,"end":2430.395,"confidence":0.9904619,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.061055250465869904},{"word":"just","start":2430.395,"end":2430.555,"confidence":0.9796809,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07189872860908508},{"word":"sort","start":2430.555,"end":2430.715,"confidence":0.99192,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05782022327184677},{"word":"of","start":2430.715,"end":2430.875,"confidence":0.99886,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.059967704117298126},{"word":"double","start":2430.875,"end":2431.115,"confidence":0.9993393,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.04758717864751816},{"word":"checking","start":2431.115,"end":2431.515,"confidence":0.97197807,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.07218217849731445},{"word":"that","start":2431.515,"end":2431.675,"confidence":0.99621296,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08160880208015442},{"word":"you","start":2431.675,"end":2431.755,"confidence":0.9988777,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12552767992019653},{"word":"are","start":2431.755,"end":2431.9949,"confidence":0.9939644,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11437466740608215},{"word":"invested","start":2431.9949,"end":2432.475,"confidence":0.5685744,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.06839606910943985},{"word":"correct","start":2432.475,"end":2432.82,"confidence":0.7445304,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.13787047564983368},{"word":"in","start":2432.82,"end":2432.9001,"confidence":0.9352903,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15543930232524872},{"word":"the","start":2432.9001,"end":2433.06,"confidence":0.999129,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1120140552520752},{"word":"right","start":2433.06,"end":2433.22,"confidence":0.9973737,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.16958054900169373},{"word":"risk","start":2433.22,"end":2433.46,"confidence":0.9972681,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.000895284116268158},{"word":"profile","start":2433.46,"end":2433.86,"confidence":0.80891424,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.01446336880326271},{"word":"because","start":2433.86,"end":2434.1,"confidence":0.9906577,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.00986555963754654},{"word":"other","start":2434.1,"end":2434.34,"confidence":0.97186536,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.04091986268758774},{"word":"things","start":2434.34,"end":2434.5,"confidence":0.9977436,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.038219280540943146},{"word":"that","start":2434.5,"end":2434.6602,"confidence":0.9997278,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04912789165973663},{"word":"we","start":2434.6602,"end":2434.74,"confidence":0.9999342,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05645167827606201},{"word":"can","start":2434.74,"end":2434.9001,"confidence":0.99976856,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0560988076031208},{"word":"look","start":2434.9001,"end":2435.06,"confidence":0.9997991,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.045644186437129974},{"word":"at","start":2435.06,"end":2435.3,"confidence":0.99816656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02946610003709793},{"word":"are","start":2435.3,"end":2435.46,"confidence":0.7525859,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04206426069140434},{"word":"if","start":2435.46,"end":2435.62,"confidence":0.79666287,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05615835636854172},{"word":"you","start":2435.62,"end":2435.78,"confidence":0.99956566,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06623128056526184},{"word":"wanted","start":2435.78,"end":2436.02,"confidence":0.54077667,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.03778768703341484},{"word":"to","start":2436.02,"end":2436.1,"confidence":0.99869066,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03501313924789429},{"word":"try","start":2436.1,"end":2436.34,"confidence":0.9997274,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.05878701806068421},{"word":"and","start":2436.34,"end":2436.5,"confidence":0.9990476,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03646514192223549},{"word":"get","start":2436.5,"end":2436.74,"confidence":0.99986947,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07442112267017365},{"word":"a","start":2436.74,"end":2436.82,"confidence":0.99971515,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08595384657382965},{"word":"bit","start":2436.82,"end":2436.98,"confidence":0.99979633,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05860932916402817},{"word":"more","start":2436.98,"end":2437.1401,"confidence":0.9998684,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05560804158449173},{"word":"growth","start":2437.1401,"end":2437.46,"confidence":0.99888486,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07646036893129349},{"word":"out","start":2437.46,"end":2437.62,"confidence":0.99939954,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12508636713027954},{"word":"of","start":2437.62,"end":2437.7,"confidence":0.9977798,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07350783050060272},{"word":"your","start":2437.7,"end":2437.86,"confidence":0.97634596,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07316400855779648},{"word":"super","start":2437.86,"end":2438.36,"confidence":0.7895086,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.07997452467679977},{"word":"we","start":2438.4202,"end":2438.6602,"confidence":0.99946636,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04822888597846031},{"word":"could","start":2438.6602,"end":2438.82,"confidence":0.9997917,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.03882773593068123},{"word":"look","start":2438.82,"end":2438.98,"confidence":0.9994924,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03282107412815094},{"word":"at","start":2438.98,"end":2439.1401,"confidence":0.99491596,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01524168998003006},{"word":"taking","start":2439.1401,"end":2439.3801,"confidence":0.99889046,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.0058196112513542175},{"word":"on","start":2439.3801,"end":2439.54,"confidence":0.97917753,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01608843356370926},{"word":"a","start":2439.54,"end":2439.7,"confidence":0.9996792,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023293159902095795},{"word":"bit","start":2439.7,"end":2439.86,"confidence":0.99966776,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.004359863698482513},{"word":"more","start":2439.86,"end":2440.02,"confidence":0.9997913,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.005233757197856903},{"word":"risk","start":2440.02,"end":2440.26,"confidence":0.9977895,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.008927561342716217},{"word":"in","start":2440.26,"end":2440.4202,"confidence":0.9983663,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.013922229409217834},{"word":"the","start":2440.4202,"end":2440.5,"confidence":0.9995414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011318184435367584},{"word":"market","start":2440.5,"end":2441.0,"confidence":0.9996356,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.022779688239097595},{"word":"it","start":2441.54,"end":2441.7,"confidence":0.6831119,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.06800723820924759},{"word":"also","start":2441.7,"end":2442.1,"confidence":0.5940577,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05165652185678482},{"word":"comes","start":2442.1,"end":2442.4202,"confidence":0.3648689,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.12412238866090776},{"word":"down","start":2442.4202,"end":2442.6602,"confidence":0.9992003,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15953876078128815},{"word":"to","start":2442.6602,"end":2442.74,"confidence":0.99917334,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14969711005687714},{"word":"your","start":2442.74,"end":2442.98,"confidence":0.99982494,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1612880378961563},{"word":"comfort","start":2442.98,"end":2443.3801,"confidence":0.9997205,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.1762729287147522},{"word":"level","start":2443.3801,"end":2443.78,"confidence":0.9999186,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.09066420793533324},{"word":"as","start":2443.78,"end":2443.9402,"confidence":0.99980885,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1484900414943695},{"word":"well","start":2443.9402,"end":2444.34,"confidence":0.8729948,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.126584991812706},{"word":"but","start":2444.34,"end":2444.84,"confidence":0.9982053,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1353219598531723},{"word":"taking","start":2445.375,"end":2445.575,"confidence":0.9982639,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.1265796571969986},{"word":"a","start":2445.575,"end":2445.775,"confidence":0.99661773,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1450323462486267},{"word":"bit","start":2445.775,"end":2446.0151,"confidence":0.99982566,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11193728446960448},{"word":"more","start":2446.0151,"end":2446.175,"confidence":0.99967396,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0892849788069725},{"word":"risk","start":2446.175,"end":2446.415,"confidence":0.9939849,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08410584926605225},{"word":"in","start":2446.415,"end":2446.575,"confidence":0.83849806,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18381807208061215},{"word":"the","start":2446.575,"end":2446.655,"confidence":0.8566325,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18143758177757263},{"word":"market","start":2446.655,"end":2447.055,"confidence":0.9997845,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.16919630765914917},{"word":"can","start":2447.055,"end":2447.375,"confidence":0.99952173,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1989861875772476},{"word":"open","start":2447.375,"end":2447.535,"confidence":0.9979119,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.29382288455963135},{"word":"you","start":2447.535,"end":2447.775,"confidence":0.9993498,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26063257455825806},{"word":"up","start":2447.775,"end":2447.935,"confidence":0.99980575,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4207148849964142},{"word":"to","start":2447.935,"end":2448.095,"confidence":0.9989059,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36667168140411377},{"word":"greater","start":2448.095,"end":2448.415,"confidence":0.9958513,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.25379955768585205},{"word":"potential","start":2448.415,"end":2448.915,"confidence":0.99964595,"punctuated_word":"potential","sentiment":"positive","sentiment_score":0.4276782870292664},{"word":"returns","start":2448.975,"end":2449.475,"confidence":0.9919293,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.2715288996696472},{"word":"it's","start":2449.775,"end":2450.0151,"confidence":0.9984995,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.026175934821367264},{"word":"just","start":2450.0151,"end":2450.175,"confidence":0.9952319,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02613530308008194},{"word":"a","start":2450.175,"end":2450.2551,"confidence":0.9989912,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005936019122600555},{"word":"bit","start":2450.2551,"end":2450.415,"confidence":0.9997849,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05259280651807785},{"word":"of","start":2450.415,"end":2450.495,"confidence":0.9994498,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.047673359513282776},{"word":"a","start":2450.495,"end":2450.575,"confidence":0.99192965,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08548744022846222},{"word":"juggling","start":2450.575,"end":2450.975,"confidence":0.9949058,"punctuated_word":"juggling","sentiment":"neutral","sentiment_score":-0.11194275319576263},{"word":"act","start":2450.975,"end":2451.135,"confidence":0.82083416,"punctuated_word":"act,","sentiment":"neutral","sentiment_score":-0.10764309018850328},{"word":"and","start":2451.135,"end":2451.295,"confidence":0.9902934,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1210607886314392},{"word":"i","start":2451.295,"end":2451.375,"confidence":0.9990664,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13535138964653015},{"word":"wouldn't","start":2451.375,"end":2451.695,"confidence":0.9996964,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.1500597447156906},{"word":"want","start":2451.695,"end":2451.775,"confidence":0.9989825,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.20082777738571167},{"word":"you","start":2451.775,"end":2451.935,"confidence":0.9997415,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1604713797569275},{"word":"to","start":2451.935,"end":2452.095,"confidence":0.9956197,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23797251284122467},{"word":"take","start":2452.095,"end":2452.335,"confidence":0.9999194,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.31788378953933716},{"word":"on","start":2452.335,"end":2452.495,"confidence":0.99943846,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.34274542331695557},{"word":"too","start":2452.495,"end":2452.735,"confidence":0.9993268,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.30389881134033203},{"word":"much","start":2452.735,"end":2452.895,"confidence":0.9999336,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.22044572234153748},{"word":"risk","start":2452.895,"end":2453.135,"confidence":0.9810687,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.26831820607185364},{"word":"than","start":2453.135,"end":2453.295,"confidence":0.9433134,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.2334650754928589},{"word":"you're","start":2453.295,"end":2453.535,"confidence":0.9979638,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.19741657376289368},{"word":"comfortable","start":2453.535,"end":2454.0151,"confidence":0.9997477,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.2461949735879898},{"word":"with","start":2454.0151,"end":2454.2551,"confidence":0.9996177,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.288635790348053},{"word":"because","start":2454.2551,"end":2454.575,"confidence":0.773058,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11410053074359894},{"word":"then","start":2454.575,"end":2454.815,"confidence":0.9964373,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.09447305649518968},{"word":"it","start":2454.815,"end":2455.055,"confidence":0.9763179,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14693871140480042},{"word":"does","start":2455.055,"end":2455.295,"confidence":0.9997055,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.13617634773254397},{"word":"mean","start":2455.295,"end":2455.535,"confidence":0.99975914,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.1012268140912056},{"word":"that","start":2455.535,"end":2455.615,"confidence":0.9997358,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16764046251773834},{"word":"you","start":2455.615,"end":2455.855,"confidence":0.88148177,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18998727202415464},{"word":"risk","start":2455.855,"end":2456.175,"confidence":0.95856035,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.21426787972450256},{"word":"at","start":2456.2551,"end":2456.415,"confidence":0.99922955,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.28423795104026794},{"word":"the","start":2456.415,"end":2456.575,"confidence":0.9979849,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2144106924533844},{"word":"time","start":2456.575,"end":2456.815,"confidence":0.9999051,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.26995566487312317},{"word":"you're","start":2456.815,"end":2456.975,"confidence":0.99411094,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2506662607192993},{"word":"wanting","start":2456.975,"end":2457.295,"confidence":0.99841595,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.2897787094116211},{"word":"to","start":2457.295,"end":2457.455,"confidence":0.99964917,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2771773934364319},{"word":"stop","start":2457.455,"end":2457.615,"confidence":0.96188986,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.21064996719360352},{"word":"working","start":2457.615,"end":2457.935,"confidence":0.9995865,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.2696751356124878},{"word":"and","start":2457.935,"end":2458.095,"confidence":0.9944035,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3231614828109741},{"word":"hopefully","start":2458.095,"end":2458.575,"confidence":0.7370291,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":-0.3264361619949341},{"word":"retire","start":2458.575,"end":2459.075,"confidence":0.9919887,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":-0.2361510694026947},{"word":"there","start":2459.3,"end":2459.46,"confidence":0.971448,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.34015682339668274},{"word":"could","start":2459.46,"end":2459.6199,"confidence":0.99992764,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.279367595911026},{"word":"be","start":2459.6199,"end":2459.8599,"confidence":0.9994646,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2763127088546753},{"word":"a","start":2459.8599,"end":2459.94,"confidence":0.9986499,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.323758602142334},{"word":"downturn","start":2459.94,"end":2460.42,"confidence":0.9925345,"punctuated_word":"downturn","sentiment":"neutral","sentiment_score":-0.33095210790634155},{"word":"in","start":2460.42,"end":2460.5,"confidence":0.99154437,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3924403488636017},{"word":"the","start":2460.5,"end":2460.66,"confidence":0.99875486,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.34025076031684875},{"word":"market","start":2460.66,"end":2460.98,"confidence":0.9818336,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.2924492061138153},{"word":"and","start":2460.98,"end":2461.14,"confidence":0.99884653,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.14927637577056885},{"word":"if","start":2461.14,"end":2461.3,"confidence":0.9993753,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.22193898260593417},{"word":"you","start":2461.3,"end":2461.46,"confidence":0.9989592,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1881532371044159},{"word":"chose","start":2461.46,"end":2461.8599,"confidence":0.9901687,"punctuated_word":"chose","sentiment":"neutral","sentiment_score":-0.2142796814441681},{"word":"to","start":2461.8599,"end":2461.94,"confidence":0.99904364,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24297291040420532},{"word":"continue","start":2461.94,"end":2462.42,"confidence":0.99989474,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":-0.32397565245628357},{"word":"to","start":2462.42,"end":2462.66,"confidence":0.9994252,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25475916266441345},{"word":"retire","start":2462.66,"end":2463.06,"confidence":0.99909735,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":-0.24402986466884613},{"word":"you","start":2463.06,"end":2463.22,"confidence":0.99984765,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2899061143398285},{"word":"might","start":2463.22,"end":2463.46,"confidence":0.9999616,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.25622838735580444},{"word":"be","start":2463.46,"end":2463.6199,"confidence":0.99981505,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.3071587085723877},{"word":"cementing","start":2463.6199,"end":2464.1199,"confidence":0.9941287,"punctuated_word":"cementing","sentiment":"neutral","sentiment_score":-0.290395051240921},{"word":"losses","start":2464.74,"end":2465.24,"confidence":0.76207703,"punctuated_word":"losses","sentiment":"neutral","sentiment_score":-0.30067479610443115},{"word":"that","start":2465.78,"end":2466.0999,"confidence":0.98049086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2910904586315155},{"word":"may","start":2466.0999,"end":2466.34,"confidence":0.9992229,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.2308211773633957},{"word":"have","start":2466.34,"end":2466.58,"confidence":0.99838686,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2752228379249573},{"word":"occurred","start":2466.58,"end":2467.08,"confidence":0.9935752,"punctuated_word":"occurred.","sentiment":"neutral","sentiment_score":-0.2062510848045349},{"word":"so","start":2467.14,"end":2467.64,"confidence":0.99939954,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00392000749707222},{"word":"just","start":2467.94,"end":2468.18,"confidence":0.9712901,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.002040337771177292},{"word":"to","start":2468.18,"end":2468.34,"confidence":0.9876751,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00534488633275032},{"word":"sort","start":2468.34,"end":2468.5,"confidence":0.99408096,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.01571591943502426},{"word":"of","start":2468.5,"end":2468.58,"confidence":0.99720615,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009425144642591476},{"word":"go","start":2468.58,"end":2468.82,"confidence":0.99630284,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0008406713604927063},{"word":"through","start":2468.82,"end":2468.98,"confidence":0.9945563,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.00573841854929924},{"word":"just","start":2468.98,"end":2469.14,"confidence":0.992262,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01248486340045929},{"word":"a","start":2469.14,"end":2469.3,"confidence":0.9992913,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0209902785718441},{"word":"couple","start":2469.3,"end":2469.54,"confidence":0.999946,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0054116398096084595},{"word":"of","start":2469.54,"end":2469.7,"confidence":0.99722123,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01329147443175316},{"word":"questions","start":2469.7,"end":2470.02,"confidence":0.99950004,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.01958582364022732},{"word":"there","start":2470.02,"end":2470.18,"confidence":0.8901503,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.015093021094799042},{"word":"to","start":2470.18,"end":2470.34,"confidence":0.9974656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01773102954030037},{"word":"assess","start":2470.34,"end":2470.66,"confidence":0.9946287,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":-0.001443285495042801},{"word":"your","start":2470.66,"end":2470.9,"confidence":0.99903834,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.004482146352529526},{"word":"risk","start":2470.9,"end":2471.14,"confidence":0.99326915,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.013054868206381798},{"word":"profile","start":2471.14,"end":2471.64,"confidence":0.7533945,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":-0.0190039686858654},{"word":"the","start":2472.215,"end":2472.375,"confidence":0.9807318,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0004317648708820343},{"word":"first","start":2472.375,"end":2472.615,"confidence":0.9994542,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.00257125124335289},{"word":"one","start":2472.615,"end":2472.855,"confidence":0.99972016,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.004286903887987137},{"word":"is","start":2472.855,"end":2473.095,"confidence":0.7795742,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.0008872109465301037},{"word":"have","start":2473.095,"end":2473.335,"confidence":0.9996112,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0028530601412057877},{"word":"you","start":2473.335,"end":2473.575,"confidence":0.9998529,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004139709286391735},{"word":"ever","start":2473.575,"end":2473.895,"confidence":0.9993136,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.00010341126471757887},{"word":"owned","start":2473.895,"end":2474.215,"confidence":0.978305,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":-0.010774238966405392},{"word":"direct","start":2474.215,"end":2474.615,"confidence":0.7479017,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":-0.009354661218822002},{"word":"shares","start":2474.615,"end":2475.0151,"confidence":0.99105394,"punctuated_word":"shares?","sentiment":"neutral","sentiment_score":-0.008448473177850246},{"word":"have","start":2475.0151,"end":2475.175,"confidence":0.9998061,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.005667612887918949},{"word":"you","start":2475.175,"end":2475.335,"confidence":0.9999037,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0019061937928199768},{"word":"ever","start":2475.335,"end":2475.655,"confidence":0.9995364,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.002787281759083271},{"word":"invested","start":2475.655,"end":2476.055,"confidence":0.9993297,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.008812648244202137},{"word":"in","start":2476.055,"end":2476.215,"confidence":0.99714077,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01070926245301962},{"word":"your","start":2476.215,"end":2476.455,"confidence":0.99916494,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.008932746946811676},{"word":"own","start":2476.455,"end":2476.615,"confidence":0.99700767,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.01230763178318739},{"word":"name","start":2476.615,"end":2476.935,"confidence":0.9996617,"punctuated_word":"name","sentiment":"neutral","sentiment_score":-0.012726721353828909},{"word":"before","start":2476.935,"end":2477.335,"confidence":0.9997633,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.010511547327041626},{"word":"outside","start":2477.335,"end":2477.835,"confidence":0.98481226,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.004083523526787758},{"word":"of","start":2477.895,"end":2478.055,"confidence":0.99838626,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013535440899431704},{"word":"superm","start":2478.055,"end":2478.555,"confidence":0.78283215,"punctuated_word":"Superm?","sentiment":"neutral","sentiment_score":-0.011629624292254448},{"word":"nope","start":2482.055,"end":2482.455,"confidence":0.9605361,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.06505116820335388},{"word":"never","start":2482.455,"end":2482.775,"confidence":0.9955414,"punctuated_word":"Never","sentiment":"neutral","sentiment_score":-0.04362181574106216},{"word":"owned","start":2482.775,"end":2483.095,"confidence":0.9213585,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":-0.04394608736038208},{"word":"shares","start":2483.095,"end":2483.575,"confidence":0.80008,"punctuated_word":"shares.","sentiment":"neutral","sentiment_score":-0.057982586324214935},{"word":"no","start":2483.575,"end":2484.075,"confidence":0.55567026,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.06602104008197784},{"word":"yep","start":2486.57,"end":2487.07,"confidence":0.9899312,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.10639213025569916},{"word":"that's","start":2488.09,"end":2488.33,"confidence":0.9937084,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06323675066232681},{"word":"okay","start":2488.33,"end":2488.83,"confidence":0.9949548,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.047324880957603455},{"word":"yep","start":2489.9302,"end":2490.4302,"confidence":0.99379766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.041641876101493835},{"word":"that's","start":2491.4502,"end":2491.85,"confidence":0.8740591,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03963926061987877},{"word":"absolutely","start":2491.85,"end":2492.35,"confidence":0.9989593,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.020601987838745117},{"word":"okay","start":2492.6501,"end":2493.1501,"confidence":0.9971609,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.015177702531218529},{"word":"not","start":2494.33,"end":2494.6501,"confidence":0.9743745,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08402374386787415},{"word":"an","start":2494.6501,"end":2494.81,"confidence":0.84881914,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.1146405041217804},{"word":"ish","start":2494.81,"end":2495.31,"confidence":0.79572433,"punctuated_word":"ish.","sentiment":"neutral","sentiment_score":-0.12302820384502412},{"word":"yep","start":2498.025,"end":2498.525,"confidence":0.91780216,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006262421142309904},{"word":"no","start":2498.665,"end":2499.165,"confidence":0.90784585,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.005080588161945343},{"word":"absolutely","start":2499.465,"end":2499.965,"confidence":0.9945184,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.05139511823654175},{"word":"the","start":2500.905,"end":2500.9849,"confidence":0.7615065,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02549351751804352},{"word":"next","start":2500.9849,"end":2501.225,"confidence":0.9999354,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.01721097156405449},{"word":"question","start":2501.225,"end":2501.625,"confidence":0.99411774,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.047796543687582016},{"word":"here","start":2501.625,"end":2501.785,"confidence":0.6768372,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.023478373885154724},{"word":"is","start":2501.785,"end":2501.945,"confidence":0.92746836,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.031671568751335144},{"word":"asking","start":2501.945,"end":2502.425,"confidence":0.6894001,"punctuated_word":"asking,","sentiment":"neutral","sentiment_score":0.030766820535063744},{"word":"i","start":2502.425,"end":2502.505,"confidence":0.45304552,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017918208613991737},{"word":"sent","start":2502.505,"end":2502.665,"confidence":0.47775215,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.01670326106250286},{"word":"it","start":2502.665,"end":2502.7449,"confidence":0.3661489,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015018846839666368},{"word":"to","start":2502.7449,"end":2502.9849,"confidence":0.46520278,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011203134432435036},{"word":"more","start":2502.9849,"end":2503.145,"confidence":0.85822403,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.001858636736869812},{"word":"about","start":2503.145,"end":2503.385,"confidence":0.99810225,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.00022178888320922852},{"word":"inflation","start":2503.385,"end":2503.865,"confidence":0.97537816,"punctuated_word":"inflation.","sentiment":"neutral","sentiment_score":0.013490358367562294},{"word":"so","start":2503.865,"end":2504.025,"confidence":0.99973816,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01302449032664299},{"word":"it","start":2504.025,"end":2504.105,"confidence":0.9855671,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.013512354344129562},{"word":"says","start":2504.105,"end":2504.345,"confidence":0.74604356,"punctuated_word":"says,","sentiment":"neutral","sentiment_score":0.007812844589352608},{"word":"how","start":2504.345,"end":2504.505,"confidence":0.99933606,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.005939677357673645},{"word":"much","start":2504.505,"end":2504.7449,"confidence":0.99969065,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.023232929408550262},{"word":"risk","start":2504.7449,"end":2504.9849,"confidence":0.9509243,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.02466412633657455},{"word":"do","start":2504.9849,"end":2505.145,"confidence":0.99893516,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.040038056671619415},{"word":"you","start":2505.145,"end":2505.225,"confidence":0.99795014,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003400176763534546},{"word":"feel","start":2505.225,"end":2505.465,"confidence":0.9996494,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.030518196523189545},{"word":"you're","start":2505.465,"end":2505.705,"confidence":0.98632526,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.016848042607307434},{"word":"comfortable","start":2505.705,"end":2506.185,"confidence":0.9996661,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.05859985202550888},{"word":"to","start":2506.185,"end":2506.265,"confidence":0.99961674,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006621941924095154},{"word":"take","start":2506.265,"end":2506.585,"confidence":0.9997694,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.025437302887439728},{"word":"when","start":2506.585,"end":2506.7449,"confidence":0.99970204,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.016504809260368347},{"word":"it","start":2506.7449,"end":2506.825,"confidence":0.999686,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03713446855545044},{"word":"comes","start":2506.825,"end":2507.145,"confidence":0.9993349,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.050005216151475906},{"word":"to","start":2507.145,"end":2507.225,"confidence":0.99630105,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.053018830716609955},{"word":"your","start":2507.225,"end":2507.465,"confidence":0.99648845,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05313297361135483},{"word":"super","start":2507.465,"end":2507.965,"confidence":0.970448,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.07011508196592331},{"word":"to","start":2508.12,"end":2508.36,"confidence":0.99991727,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05425867438316345},{"word":"get","start":2508.36,"end":2508.6,"confidence":0.9999691,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07689987123012543},{"word":"those","start":2508.6,"end":2508.84,"confidence":0.9984944,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0850696787238121},{"word":"greater","start":2508.84,"end":2509.1602,"confidence":0.99561834,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.05790718272328377},{"word":"potential","start":2509.1602,"end":2509.6401,"confidence":0.9995234,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.17821067571640015},{"word":"returns","start":2509.6401,"end":2510.1401,"confidence":0.99218386,"punctuated_word":"returns?","sentiment":"neutral","sentiment_score":0.07430452108383179},{"word":"do","start":2510.2002,"end":2510.4402,"confidence":0.99988115,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.029294095933437347},{"word":"you","start":2510.4402,"end":2510.6,"confidence":0.9999225,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009122230112552645},{"word":"think","start":2510.6,"end":2510.76,"confidence":0.999767,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.014174237847328186},{"word":"you're","start":2510.76,"end":2511.0,"confidence":0.998034,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.011084395460784435},{"word":"happy","start":2511.0,"end":2511.32,"confidence":0.9998554,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.017259210348129272},{"word":"with","start":2511.32,"end":2511.4802,"confidence":0.9998286,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.021939076483249664},{"word":"a","start":2511.4802,"end":2511.6401,"confidence":0.97880805,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02580275759100914},{"word":"higher","start":2511.6401,"end":2511.9602,"confidence":0.9955384,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.014535143971443176},{"word":"level","start":2511.9602,"end":2512.28,"confidence":0.99990726,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.0024915188550949097},{"word":"of","start":2512.28,"end":2512.4402,"confidence":0.9997223,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005594991147518158},{"word":"risk","start":2512.4402,"end":2512.76,"confidence":0.9913072,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.02799840271472931},{"word":"to","start":2512.76,"end":2512.84,"confidence":0.99972504,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00862564891576767},{"word":"get","start":2512.84,"end":2513.08,"confidence":0.99993503,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0551816001534462},{"word":"greater","start":2513.08,"end":2513.4001,"confidence":0.9986351,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.04036848992109299},{"word":"potential","start":2513.4001,"end":2513.8801,"confidence":0.99945253,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.16619707643985748},{"word":"returns","start":2513.8801,"end":2514.28,"confidence":0.9986333,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.13276684284210205},{"word":"in","start":2514.28,"end":2514.4402,"confidence":0.9952951,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07861226052045822},{"word":"the","start":2514.4402,"end":2514.6,"confidence":0.998574,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06517387926578522},{"word":"future","start":2514.6,"end":2515.1,"confidence":0.99416596,"punctuated_word":"future?","sentiment":"neutral","sentiment_score":0.033627573400735855},{"word":"are","start":2515.2402,"end":2515.4802,"confidence":0.9998317,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.032530754804611206},{"word":"you","start":2515.4802,"end":2515.56,"confidence":0.99985707,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0005604475736618042},{"word":"comfortable","start":2515.56,"end":2516.04,"confidence":0.99961627,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.004867814481258392},{"word":"with","start":2516.04,"end":2516.28,"confidence":0.99983716,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.012097641825675964},{"word":"a","start":2516.28,"end":2516.36,"confidence":0.93731236,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009578138589859009},{"word":"moderate","start":2516.36,"end":2516.76,"confidence":0.96660274,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":-0.01620613783597946},{"word":"or","start":2516.76,"end":2516.9202,"confidence":0.99952626,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.047543928027153015},{"word":"medium","start":2516.9202,"end":2517.32,"confidence":0.9982836,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":-0.04810689389705658},{"word":"amount","start":2517.32,"end":2517.6401,"confidence":0.9953922,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.018204741179943085},{"word":"of","start":2517.6401,"end":2517.8,"confidence":0.9989956,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04321248084306717},{"word":"risk","start":2517.8,"end":2518.12,"confidence":0.8275707,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.06740599870681763},{"word":"to","start":2518.12,"end":2518.28,"confidence":0.9996182,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05900163948535919},{"word":"get","start":2518.28,"end":2518.4402,"confidence":0.9998629,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.00998803973197937},{"word":"the","start":2518.4402,"end":2518.52,"confidence":0.99969256,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0024142563343048096},{"word":"best","start":2518.52,"end":2518.76,"confidence":0.99985075,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.006497129797935486},{"word":"returns","start":2518.76,"end":2519.2402,"confidence":0.98320067,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.10326600074768066},{"word":"you","start":2519.2402,"end":2519.4001,"confidence":0.99808,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0196346715092659},{"word":"can","start":2519.4001,"end":2519.9001,"confidence":0.8588991,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":-0.005083762109279633},{"word":"or","start":2519.9602,"end":2520.2002,"confidence":0.9990036,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06287030130624771},{"word":"are","start":2520.2002,"end":2520.36,"confidence":0.9993331,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.055179379880428314},{"word":"you","start":2520.36,"end":2520.52,"confidence":0.9994511,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026525776833295826},{"word":"only","start":2520.52,"end":2520.84,"confidence":0.9900197,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.07010538876056671},{"word":"comfortable","start":2520.84,"end":2521.32,"confidence":0.9993,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.047358956187963486},{"word":"taking","start":2521.32,"end":2521.6401,"confidence":0.99789727,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.058624379336833954},{"word":"on","start":2521.6401,"end":2521.8,"confidence":0.9973563,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.082916259765625},{"word":"a","start":2521.8,"end":2521.9602,"confidence":0.9759601,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04257383570075035},{"word":"small","start":2521.9602,"end":2522.2002,"confidence":0.9994591,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.05243511497974396},{"word":"amount","start":2522.2002,"end":2522.52,"confidence":0.9992065,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.06820889562368393},{"word":"of","start":2522.52,"end":2522.6802,"confidence":0.99849176,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08438612520694733},{"word":"risk","start":2522.6802,"end":2522.9202,"confidence":0.9906747,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.08329866826534271},{"word":"to","start":2522.9202,"end":2523.08,"confidence":0.9985929,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06983847171068192},{"word":"get","start":2523.08,"end":2523.2402,"confidence":0.99884015,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03170491009950638},{"word":"the","start":2523.2402,"end":2523.32,"confidence":0.9979964,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0008298605680465698},{"word":"best","start":2523.32,"end":2523.56,"confidence":0.99952507,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.0023054182529449463},{"word":"returns","start":2523.56,"end":2523.9602,"confidence":0.9905036,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.04969474673271179},{"word":"you","start":2523.9602,"end":2524.095,"confidence":0.8469889,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0020998120307922363},{"word":"can","start":2524.095,"end":2524.255,"confidence":0.9945986,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.016890868544578552},{"word":"possibly","start":2524.255,"end":2524.505,"confidence":0.9936033,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.03577035665512085},{"word":"obtain","start":2524.505,"end":2525.005,"confidence":0.9924573,"punctuated_word":"obtain?","sentiment":"neutral","sentiment_score":0.005704551935195923},{"word":"yep","start":2540.11,"end":2540.61,"confidence":0.91449714,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06090357527136803},{"word":"yep","start":2546.1902,"end":2546.6902,"confidence":0.9485833,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05239725857973099},{"word":"yep","start":2548.765,"end":2549.265,"confidence":0.9388783,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07310498505830765},{"word":"perfect","start":2549.325,"end":2549.825,"confidence":0.971503,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.478520005941391},{"word":"lovely","start":2550.445,"end":2550.945,"confidence":0.99748945,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.4628388285636902},{"word":"how","start":2551.405,"end":2551.645,"confidence":0.58152294,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.12860044836997986},{"word":"do","start":2551.645,"end":2551.805,"confidence":0.99992335,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08608406037092209},{"word":"you","start":2551.805,"end":2551.885,"confidence":0.9998516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14232806861400604},{"word":"think","start":2551.885,"end":2552.045,"confidence":0.9999019,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08656061440706253},{"word":"you","start":2552.045,"end":2552.205,"confidence":0.99675745,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09885798394680025},{"word":"might","start":2552.205,"end":2552.365,"confidence":0.9999337,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.10366688668727876},{"word":"be","start":2552.365,"end":2552.525,"confidence":0.99963474,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.041626736521720886},{"word":"feeling","start":2552.525,"end":2552.845,"confidence":0.9997421,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":0.030598238110542297},{"word":"if","start":2552.845,"end":2553.005,"confidence":0.93827003,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04482506960630417},{"word":"you","start":2553.005,"end":2553.085,"confidence":0.99949944,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07273954153060913},{"word":"looked","start":2553.085,"end":2553.325,"confidence":0.77226526,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.09551109373569489},{"word":"at","start":2553.325,"end":2553.405,"confidence":0.998451,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1257825791835785},{"word":"your","start":2553.405,"end":2553.645,"confidence":0.9991872,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07910811901092529},{"word":"super","start":2553.645,"end":2553.965,"confidence":0.95865667,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05584186315536499},{"word":"balance","start":2553.965,"end":2554.285,"confidence":0.96541756,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.05208112299442291},{"word":"in","start":2554.285,"end":2554.525,"confidence":0.9521721,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.06836266070604324},{"word":"say","start":2554.525,"end":2554.765,"confidence":0.99755824,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.12681113183498385},{"word":"the","start":2554.765,"end":2555.005,"confidence":0.9997675,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0694558396935463},{"word":"next","start":2555.005,"end":2555.485,"confidence":0.9997004,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0389578640460968},{"word":"six","start":2555.485,"end":2555.805,"confidence":0.99967146,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.028291352093219757},{"word":"to","start":2555.805,"end":2555.965,"confidence":0.9967244,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02311497926712036},{"word":"twelve","start":2555.965,"end":2556.365,"confidence":0.99990773,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.03912953287363053},{"word":"months","start":2556.365,"end":2556.865,"confidence":0.9987386,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.048996612429618835},{"word":"and","start":2557.005,"end":2557.245,"confidence":0.6524741,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03437747061252594},{"word":"due","start":2557.245,"end":2557.485,"confidence":0.8631692,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.022557921707630157},{"word":"to","start":2557.485,"end":2557.645,"confidence":0.9753659,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06541839241981506},{"word":"external","start":2557.645,"end":2558.125,"confidence":0.99558204,"punctuated_word":"external","sentiment":"neutral","sentiment_score":0.03442879021167755},{"word":"market","start":2558.125,"end":2558.445,"confidence":0.9849139,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.012394316494464874},{"word":"factors","start":2558.445,"end":2558.765,"confidence":0.9942472,"punctuated_word":"factors","sentiment":"neutral","sentiment_score":0.04813472926616669},{"word":"or","start":2558.765,"end":2558.925,"confidence":0.46424416,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.016490861773490906},{"word":"what","start":2558.925,"end":2559.085,"confidence":0.9998241,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.018408961594104767},{"word":"was","start":2559.085,"end":2559.245,"confidence":0.99867505,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01684267818927765},{"word":"happening","start":2559.245,"end":2559.565,"confidence":0.99993944,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.00007624924182891846},{"word":"in","start":2559.565,"end":2559.725,"confidence":0.9998429,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.019757352769374847},{"word":"the","start":2559.725,"end":2559.805,"confidence":0.99975795,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046614788472652435},{"word":"world","start":2559.805,"end":2560.045,"confidence":0.8384819,"punctuated_word":"world?","sentiment":"neutral","sentiment_score":-0.0029315187130123377},{"word":"if","start":2560.045,"end":2560.205,"confidence":0.94112676,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.07471853494644165},{"word":"the","start":2560.205,"end":2560.445,"confidence":0.98211056,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11104779690504074},{"word":"portfolio","start":2560.445,"end":2560.945,"confidence":0.99915135,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.2257398366928101},{"word":"fell","start":2561.085,"end":2561.405,"confidence":0.99659616,"punctuated_word":"fell","sentiment":"neutral","sentiment_score":-0.10834438353776932},{"word":"and","start":2561.405,"end":2561.645,"confidence":0.91445315,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13091987371444702},{"word":"we","start":2561.645,"end":2561.805,"confidence":0.99982846,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12279976159334184},{"word":"saw","start":2561.805,"end":2562.045,"confidence":0.9868399,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.13135387003421783},{"word":"maybe","start":2562.045,"end":2562.365,"confidence":0.95583636,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.2101050317287445},{"word":"a","start":2562.365,"end":2562.525,"confidence":0.9976235,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21472206711769104},{"word":"10","start":2562.525,"end":2562.685,"confidence":0.99991596,"punctuated_word":"10","sentiment":"neutral","sentiment_score":-0.24628856778144836},{"word":"or","start":2562.685,"end":2562.925,"confidence":0.9553712,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17608368396759033},{"word":"20","start":2562.925,"end":2563.62,"confidence":0.99972653,"punctuated_word":"20","sentiment":"neutral","sentiment_score":-0.2047310620546341},{"word":"drop","start":2563.62,"end":2563.86,"confidence":0.99748194,"punctuated_word":"drop,","sentiment":"neutral","sentiment_score":-0.12076885998249054},{"word":"how","start":2563.86,"end":2564.02,"confidence":0.9996916,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.13183742761611938},{"word":"do","start":2564.02,"end":2564.1,"confidence":0.99967456,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.13265098631381989},{"word":"you","start":2564.1,"end":2564.34,"confidence":0.99923384,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08550432324409485},{"word":"think","start":2564.34,"end":2564.58,"confidence":0.9997335,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.14898747205734253},{"word":"you","start":2564.58,"end":2564.7402,"confidence":0.9979917,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1832239329814911},{"word":"might","start":2564.7402,"end":2564.9001,"confidence":0.9999261,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.1503615528345108},{"word":"be","start":2564.9001,"end":2565.06,"confidence":0.9996544,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14623697102069855},{"word":"starting","start":2565.06,"end":2565.4602,"confidence":0.99970657,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":-0.16178248822689056},{"word":"to","start":2565.4602,"end":2565.62,"confidence":0.9990695,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16854515671730042},{"word":"feel","start":2565.62,"end":2566.12,"confidence":0.9993072,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":-0.1904137134552002},{"word":"yeah","start":2572.9001,"end":2573.4001,"confidence":0.8738878,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.23115389049053192},{"word":"mhmm","start":2576.435,"end":2576.935,"confidence":0.9962251,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.2096693515777588},{"word":"mhmm","start":2578.275,"end":2578.775,"confidence":0.99275243,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.07443535327911377},{"word":"yep","start":2589.73,"end":2590.0498,"confidence":0.9308305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021606456488370895},{"word":"that's","start":2590.0498,"end":2590.3699,"confidence":0.9991778,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.06491684913635254},{"word":"okay","start":2590.3699,"end":2590.8699,"confidence":0.99968743,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.11478229612112044},{"word":"do","start":2591.25,"end":2591.49,"confidence":0.95191,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.017743706703186035},{"word":"you","start":2591.49,"end":2591.5698,"confidence":0.9995228,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006645135581493378},{"word":"think","start":2591.5698,"end":2591.8098,"confidence":0.9999145,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.02834775298833847},{"word":"it","start":2591.8098,"end":2591.89,"confidence":0.9996432,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.024296246469020844},{"word":"might","start":2591.89,"end":2592.13,"confidence":0.99990714,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.04216058552265167},{"word":"be","start":2592.13,"end":2592.21,"confidence":0.9994836,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.060759834945201874},{"word":"a","start":2592.21,"end":2592.3699,"confidence":0.99946636,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07844644039869308},{"word":"little","start":2592.3699,"end":2592.5298,"confidence":0.9997085,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0766003280878067},{"word":"bit","start":2592.5298,"end":2592.69,"confidence":0.99899036,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08098439127206802},{"word":"con","start":2592.69,"end":2593.01,"confidence":0.74503374,"punctuated_word":"con","sentiment":"neutral","sentiment_score":-0.07582996785640717},{"word":"yeah","start":2593.25,"end":2593.5698,"confidence":0.98811275,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07627186179161072},{"word":"do","start":2593.5698,"end":2593.73,"confidence":0.99937075,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.08480921387672424},{"word":"you","start":2593.73,"end":2593.8098,"confidence":0.9993845,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06366497278213501},{"word":"think","start":2593.8098,"end":2594.0498,"confidence":0.9999082,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.07139213383197784},{"word":"it","start":2594.0498,"end":2594.13,"confidence":0.9986639,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07319112122058868},{"word":"might","start":2594.13,"end":2594.2898,"confidence":0.99979395,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.0709354355931282},{"word":"be","start":2594.2898,"end":2594.45,"confidence":0.99941576,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05706174671649933},{"word":"a","start":2594.45,"end":2594.5298,"confidence":0.99925166,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07490195333957672},{"word":"bit","start":2594.5298,"end":2594.8499,"confidence":0.9991215,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06878997385501862},{"word":"concerning","start":2594.8499,"end":2595.3499,"confidence":0.9980941,"punctuated_word":"concerning?","sentiment":"neutral","sentiment_score":-0.09864092618227004},{"word":"do","start":2595.49,"end":2595.5698,"confidence":0.9997944,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.1054479107260704},{"word":"you","start":2595.5698,"end":2595.73,"confidence":0.99980575,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08715830743312836},{"word":"think","start":2595.73,"end":2595.89,"confidence":0.99985135,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.10882353782653809},{"word":"you'd","start":2595.89,"end":2596.13,"confidence":0.9873463,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.1425112932920456},{"word":"wanna","start":2596.13,"end":2596.45,"confidence":0.99076945,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.11932588368654252},{"word":"put","start":2596.45,"end":2596.69,"confidence":0.9972851,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.16666723787784576},{"word":"more","start":2596.69,"end":2596.93,"confidence":0.9996068,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.18512168526649475},{"word":"money","start":2596.93,"end":2597.17,"confidence":0.9999416,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.11558210849761964},{"word":"in","start":2597.17,"end":2597.41,"confidence":0.67748636,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1399887502193451},{"word":"to","start":2597.41,"end":2597.8098,"confidence":0.99936837,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1458025872707367},{"word":"take","start":2597.8098,"end":2598.0498,"confidence":0.9996482,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.1067659556865692},{"word":"advantage","start":2598.0498,"end":2598.5298,"confidence":0.9998598,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":-0.05589856207370758},{"word":"of","start":2598.5298,"end":2598.69,"confidence":0.99993396,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08833572268486023},{"word":"the","start":2598.69,"end":2598.93,"confidence":0.99959654,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13950154185295105},{"word":"market","start":2598.93,"end":2599.3298,"confidence":0.9973519,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.11020360887050629},{"word":"dips","start":2599.3298,"end":2599.65,"confidence":0.76287127,"punctuated_word":"dips,","sentiment":"neutral","sentiment_score":-0.07423759996891022},{"word":"or","start":2599.65,"end":2599.8098,"confidence":0.9992021,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07876704633235931},{"word":"do","start":2599.8098,"end":2599.97,"confidence":0.9998344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05176793783903122},{"word":"you","start":2599.97,"end":2600.0498,"confidence":0.9998586,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04804927855730057},{"word":"think","start":2600.0498,"end":2600.21,"confidence":0.9997769,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.05338522046804428},{"word":"you","start":2600.21,"end":2600.3699,"confidence":0.99280727,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06771107763051987},{"word":"might","start":2600.3699,"end":2600.6099,"confidence":0.999811,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.05662820488214493},{"word":"just","start":2600.6099,"end":2600.8499,"confidence":0.9981212,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.062394190579652786},{"word":"be","start":2600.8499,"end":2601.01,"confidence":0.9994678,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.058839067816734314},{"word":"calling","start":2601.01,"end":2601.3298,"confidence":0.9997532,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":-0.0781790167093277},{"word":"us","start":2601.3298,"end":2601.5698,"confidence":0.9995196,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.0737457424402237},{"word":"and","start":2601.5698,"end":2602.035,"confidence":0.9905329,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07469969242811203},{"word":"asking","start":2602.355,"end":2602.515,"confidence":0.9996766,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":-0.07298614084720612},{"word":"what's","start":2602.515,"end":2602.9148,"confidence":0.99659187,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.09519858658313753},{"word":"happening","start":2602.9148,"end":2603.2349,"confidence":0.9997706,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.11451470106840134},{"word":"and","start":2603.2349,"end":2603.395,"confidence":0.5215965,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07378649711608887},{"word":"what","start":2603.395,"end":2603.555,"confidence":0.9997522,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09200014919042589},{"word":"can","start":2603.555,"end":2603.795,"confidence":0.9986916,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07365912199020386},{"word":"we","start":2603.795,"end":2603.875,"confidence":0.99969816,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.044614266604185104},{"word":"do","start":2603.875,"end":2604.375,"confidence":0.9983323,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.05431772768497467},{"word":"yep","start":2609.555,"end":2610.055,"confidence":0.98500884,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03535638377070427},{"word":"yep","start":2611.7148,"end":2612.2148,"confidence":0.9978293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15476998686790466},{"word":"perfect","start":2612.275,"end":2612.775,"confidence":0.9983157,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5774710178375244},{"word":"lovely","start":2614.41,"end":2614.91,"confidence":0.9996639,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.6014112830162048},{"word":"having","start":2615.93,"end":2616.17,"confidence":0.74665946,"punctuated_word":"Having","sentiment":"positive","sentiment_score":0.4250827431678772},{"word":"a","start":2616.17,"end":2616.25,"confidence":0.9987226,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4061005711555481},{"word":"look","start":2616.25,"end":2616.49,"confidence":0.99995947,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.3114365041255951},{"word":"at","start":2616.49,"end":2616.5698,"confidence":0.9993777,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.35439133644104004},{"word":"the","start":2616.5698,"end":2616.73,"confidence":0.92107797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2874968647956848},{"word":"sort","start":2616.73,"end":2616.8098,"confidence":0.99549085,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3501168191432953},{"word":"of","start":2616.8098,"end":2616.97,"confidence":0.93504786,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3325520157814026},{"word":"returns","start":2616.97,"end":2617.29,"confidence":0.9773221,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.3101818561553955},{"word":"that","start":2617.29,"end":2617.45,"confidence":0.9994777,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2863757312297821},{"word":"you're","start":2617.45,"end":2617.77,"confidence":0.99421996,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.31801337003707886},{"word":"after","start":2617.77,"end":2618.27,"confidence":0.98495734,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.29786112904548645},{"word":"you're","start":2618.3298,"end":2618.73,"confidence":0.99133,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3210631310939789},{"word":"trying","start":2618.73,"end":2618.97,"confidence":0.9929547,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.28159579634666443},{"word":"to","start":2618.97,"end":2619.13,"confidence":0.99781215,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3130512237548828},{"word":"get","start":2619.13,"end":2619.29,"confidence":0.9998851,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2657257318496704},{"word":"the","start":2619.29,"end":2619.3699,"confidence":0.9995047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25591713190078735},{"word":"best","start":2619.3699,"end":2619.6099,"confidence":0.9999386,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.23739375174045563},{"word":"returns","start":2619.6099,"end":2620.01,"confidence":0.98726636,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.3429267704486847},{"word":"you","start":2620.01,"end":2620.17,"confidence":0.9773636,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3966771960258484},{"word":"possibly","start":2620.17,"end":2620.5698,"confidence":0.9975319,"punctuated_word":"possibly","sentiment":"positive","sentiment_score":0.34182363748550415},{"word":"can","start":2620.5698,"end":2620.8098,"confidence":0.99857235,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4235168695449829},{"word":"out","start":2620.8098,"end":2621.0498,"confidence":0.9872175,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3921188712120056},{"word":"of","start":2621.0498,"end":2621.13,"confidence":0.8910927,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3740060031414032},{"word":"your","start":2621.13,"end":2621.29,"confidence":0.9724625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31519243121147156},{"word":"super","start":2621.29,"end":2621.45,"confidence":0.79780555,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.39212003350257874},{"word":"out","start":2621.6099,"end":2621.69,"confidence":0.99156606,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4518064856529236},{"word":"of","start":2621.69,"end":2621.8499,"confidence":0.99515545,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33516842126846313},{"word":"your","start":2621.8499,"end":2622.01,"confidence":0.99771786,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2458033710718155},{"word":"portfolio","start":2622.01,"end":2622.51,"confidence":0.98657864,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.19389738142490387},{"word":"am","start":2622.8098,"end":2623.0498,"confidence":0.96818954,"punctuated_word":"Am","sentiment":"neutral","sentiment_score":0.14626020193099976},{"word":"i","start":2623.0498,"end":2623.13,"confidence":0.9996111,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14181214570999146},{"word":"right","start":2623.13,"end":2623.63,"confidence":0.9998323,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.17296305298805237},{"word":"yeah","start":2625.29,"end":2625.79,"confidence":0.9707766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21887332201004028},{"word":"all","start":2626.3298,"end":2626.5698,"confidence":0.5587672,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4097669124603271},{"word":"good","start":2626.5698,"end":2627.0698,"confidence":0.9995326,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4005582332611084},{"word":"perfect","start":2627.685,"end":2628.085,"confidence":0.9993639,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.43285828828811646},{"word":"well","start":2628.085,"end":2628.325,"confidence":0.9986514,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.34068727493286133},{"word":"thank","start":2628.325,"end":2628.485,"confidence":0.99979573,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.5370802283287048},{"word":"you","start":2628.485,"end":2628.645,"confidence":0.9999201,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4778807461261749},{"word":"for","start":2628.645,"end":2628.8052,"confidence":0.9993339,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.49292996525764465},{"word":"answering","start":2628.8052,"end":2629.205,"confidence":0.9985006,"punctuated_word":"answering","sentiment":"positive","sentiment_score":0.45180901885032654},{"word":"those","start":2629.205,"end":2629.445,"confidence":0.9966409,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3799704909324646},{"word":"questions","start":2629.445,"end":2629.845,"confidence":0.99612385,"punctuated_word":"questions.","sentiment":"positive","sentiment_score":0.414378821849823},{"word":"now","start":2629.845,"end":2630.165,"confidence":0.9988457,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1151193156838417},{"word":"having","start":2630.165,"end":2630.405,"confidence":0.98025656,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.08414150774478912},{"word":"a","start":2630.405,"end":2630.485,"confidence":0.9997917,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08594994246959686},{"word":"bit","start":2630.485,"end":2630.725,"confidence":0.99980265,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09617578983306883},{"word":"of","start":2630.725,"end":2630.8052,"confidence":0.99976,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.051555342972278595},{"word":"a","start":2630.8052,"end":2630.885,"confidence":0.9978461,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.039663780480623245},{"word":"look","start":2630.885,"end":2631.205,"confidence":0.9996393,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06109514459967613},{"word":"there","start":2631.205,"end":2631.705,"confidence":0.87365496,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04671353101730347},{"word":"you","start":2632.485,"end":2632.985,"confidence":0.69036907,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005931820720434189},{"word":"sorry","start":2634.165,"end":2634.665,"confidence":0.9986498,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.008842244744300842},{"word":"the","start":2635.445,"end":2635.605,"confidence":0.9963308,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.01634770631790161},{"word":"last","start":2635.605,"end":2635.845,"confidence":0.9999136,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.012160126119852066},{"word":"one","start":2635.845,"end":2636.085,"confidence":0.999877,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.011610619723796844},{"word":"here","start":2636.085,"end":2636.245,"confidence":0.99945194,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.01618127152323723},{"word":"i","start":2636.245,"end":2636.405,"confidence":0.6865621,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03497685492038727},{"word":"just","start":2636.405,"end":2636.645,"confidence":0.99978083,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04480483755469322},{"word":"had","start":2636.645,"end":2636.725,"confidence":0.9972861,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.02433597296476364},{"word":"to","start":2636.725,"end":2636.8052,"confidence":0.98755383,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.031498800963163376},{"word":"ask","start":2636.8052,"end":2637.0452,"confidence":0.831903,"punctuated_word":"ask,","sentiment":"neutral","sentiment_score":-0.023420482873916623},{"word":"i","start":2637.0452,"end":2637.125,"confidence":0.99790764,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10042601823806764},{"word":"do","start":2637.125,"end":2637.365,"confidence":0.99927443,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06336253881454468},{"word":"apologize","start":2637.365,"end":2637.845,"confidence":0.7388614,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.0928088277578354},{"word":"it","start":2637.845,"end":2638.0051,"confidence":0.9620064,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.048466138541698456},{"word":"just","start":2638.0051,"end":2638.245,"confidence":0.99083763,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03075365722179413},{"word":"sort","start":2638.245,"end":2638.485,"confidence":0.9939486,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.03606493026018143},{"word":"of","start":2638.485,"end":2638.725,"confidence":0.98936915,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025401078164577484},{"word":"popped","start":2638.725,"end":2638.965,"confidence":0.99938285,"punctuated_word":"popped","sentiment":"neutral","sentiment_score":-0.002583418041467666},{"word":"up","start":2638.965,"end":2639.205,"confidence":0.9974469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0010213330388069153},{"word":"there","start":2639.205,"end":2639.365,"confidence":0.9958799,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.010394707322120668},{"word":"for","start":2639.365,"end":2639.5251,"confidence":0.9997222,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0007996112108230591},{"word":"me","start":2639.5251,"end":2639.88,"confidence":0.75464344,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.02191627025604248},{"word":"is","start":2640.2,"end":2640.7,"confidence":0.99794525,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.022384904325008392},{"word":"when","start":2640.92,"end":2641.16,"confidence":0.8942159,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02663259580731392},{"word":"you","start":2641.16,"end":2641.24,"confidence":0.99866235,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03512927144765854},{"word":"think","start":2641.24,"end":2641.5598,"confidence":0.99930394,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.032667890191078186},{"word":"about","start":2641.5598,"end":2641.88,"confidence":0.99952114,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04489404708147049},{"word":"borrowing","start":2641.88,"end":2642.3599,"confidence":0.9958772,"punctuated_word":"borrowing,","sentiment":"neutral","sentiment_score":0.03248777985572815},{"word":"you're","start":2642.3599,"end":2642.5999,"confidence":0.98355645,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08240335434675217},{"word":"still","start":2642.5999,"end":2642.8398,"confidence":0.9998678,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1053757518529892},{"word":"wanting","start":2642.8398,"end":2643.0798,"confidence":0.99980515,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.13480417430400848},{"word":"to","start":2643.0798,"end":2643.24,"confidence":0.9996063,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1470707505941391},{"word":"buy","start":2643.24,"end":2643.5598,"confidence":0.9997961,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.12719956040382385},{"word":"property","start":2643.5598,"end":2643.96,"confidence":0.8353298,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.11216790974140169},{"word":"in","start":2643.96,"end":2644.1199,"confidence":0.9998018,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12443942576646803},{"word":"the","start":2644.1199,"end":2644.2798,"confidence":0.9996551,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13350513577461243},{"word":"future","start":2644.2798,"end":2644.7598,"confidence":0.9599155,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":0.11001324653625488},{"word":"you","start":2644.7598,"end":2644.92,"confidence":0.99972266,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.18344883620738983},{"word":"are","start":2644.92,"end":2645.16,"confidence":0.8670601,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19327303767204285},{"word":"open","start":2645.16,"end":2645.4,"confidence":0.99839264,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.20843341946601868},{"word":"to","start":2645.4,"end":2645.7998,"confidence":0.99982846,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25038814544677734},{"word":"hopefully","start":2645.7998,"end":2646.2,"confidence":0.51561826,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.17591893672943115},{"word":"being","start":2646.2,"end":2646.44,"confidence":0.9081866,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.2041521966457367},{"word":"able","start":2646.44,"end":2646.68,"confidence":0.9994235,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.220084547996521},{"word":"to","start":2646.68,"end":2646.7598,"confidence":0.99925214,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2007751166820526},{"word":"buy","start":2646.7598,"end":2647.0,"confidence":0.9985648,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.12368328124284744},{"word":"in","start":2647.0,"end":2647.16,"confidence":0.99357504,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13192778825759888},{"word":"the","start":2647.16,"end":2647.24,"confidence":0.9986664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1281663030385971},{"word":"future","start":2647.24,"end":2647.74,"confidence":0.9987128,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":0.0899711549282074},{"word":"is","start":2648.2798,"end":2648.44,"confidence":0.9425716,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06531873345375061},{"word":"that","start":2648.44,"end":2648.68,"confidence":0.9998797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08427795767784119},{"word":"right","start":2648.68,"end":2649.18,"confidence":0.9996458,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.04522373154759407},{"word":"yeah","start":2652.295,"end":2652.795,"confidence":0.7698529,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010561319068074226},{"word":"yep","start":2653.2551,"end":2653.7551,"confidence":0.96924126,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02330936118960381},{"word":"yeah","start":2660.055,"end":2660.555,"confidence":0.99913025,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13258862495422363},{"word":"yeah","start":2660.695,"end":2661.195,"confidence":0.99133396,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13096711039543152},{"word":"yep","start":2663.735,"end":2664.235,"confidence":0.7294232,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.025367535650730133},{"word":"no","start":2664.3801,"end":2664.54,"confidence":0.986625,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06582000106573105},{"word":"that's","start":2664.54,"end":2664.78,"confidence":0.9997264,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.057830289006233215},{"word":"understandable","start":2664.78,"end":2665.28,"confidence":0.99926746,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":-0.07534129917621613},{"word":"not","start":2665.6602,"end":2665.82,"confidence":0.99954057,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.0592469647526741},{"word":"a","start":2665.82,"end":2665.98,"confidence":0.99987364,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0025788918137550354},{"word":"problem","start":2665.98,"end":2666.3,"confidence":0.99994457,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.047294244170188904},{"word":"at","start":2666.3,"end":2666.46,"confidence":0.9998766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0047874897718429565},{"word":"all","start":2666.46,"end":2666.96,"confidence":0.9559132,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.06658883392810822},{"word":"and","start":2667.34,"end":2667.74,"confidence":0.797175,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0622476190328598},{"word":"thank","start":2667.74,"end":2667.98,"confidence":0.98552924,"punctuated_word":"thank","sentiment":"neutral","sentiment_score":0.21646296977996823},{"word":"you","start":2667.98,"end":2668.48,"confidence":0.7651851,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06133782118558884},{"word":"that's","start":2670.46,"end":2670.78,"confidence":0.9801204,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.008275624364614487},{"word":"exactly","start":2670.78,"end":2671.26,"confidence":0.9995091,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.08966965228319168},{"word":"right","start":2671.26,"end":2671.76,"confidence":0.99880505,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.09604103118181229},{"word":"yeah","start":2672.22,"end":2672.72,"confidence":0.99068946,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07883794605731964},{"word":"yep","start":2672.94,"end":2673.44,"confidence":0.97125536,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.139350563287735},{"word":"that","start":2673.58,"end":2673.82,"confidence":0.92182386,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.27425849437713623},{"word":"is","start":2673.82,"end":2674.06,"confidence":0.99979144,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27130401134490967},{"word":"exactly","start":2674.06,"end":2674.56,"confidence":0.99986315,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.2953612208366394},{"word":"right","start":2674.62,"end":2675.12,"confidence":0.99983644,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.24399317800998688},{"word":"now","start":2675.26,"end":2675.58,"confidence":0.9946361,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12450741976499556},{"word":"as","start":2675.58,"end":2675.74,"confidence":0.9248205,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09695719182491302},{"word":"i","start":2675.74,"end":2675.9001,"confidence":0.99797446,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10628724098205566},{"word":"kinda","start":2675.9001,"end":2676.22,"confidence":0.86879134,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.11635453999042512},{"word":"mentioned","start":2676.22,"end":2676.54,"confidence":0.99775344,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.1182600110769272},{"word":"before","start":2676.54,"end":2676.78,"confidence":0.9965451,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.0980847179889679},{"word":"you","start":2676.78,"end":2676.94,"confidence":0.9998834,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07565754652023315},{"word":"are","start":2676.94,"end":2677.02,"confidence":0.9984849,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07906104624271393},{"word":"in","start":2677.02,"end":2677.18,"confidence":0.9832448,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09087082743644714},{"word":"more","start":2677.18,"end":2677.34,"confidence":0.9989868,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08401364833116531},{"word":"of","start":2677.34,"end":2677.5,"confidence":0.9994848,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0941798985004425},{"word":"a","start":2677.5,"end":2677.6602,"confidence":0.9986218,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09986498951911926},{"word":"balanced","start":2677.6602,"end":2678.06,"confidence":0.9696313,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.12841641902923584},{"word":"growth","start":2678.06,"end":2678.46,"confidence":0.9965024,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.17186012864112854},{"word":"portfolio","start":2678.46,"end":2678.96,"confidence":0.92511845,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.12338900566101074},{"word":"which","start":2679.02,"end":2679.285,"confidence":0.9998479,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.12705039978027344},{"word":"generally","start":2679.4448,"end":2679.765,"confidence":0.9997211,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.1244233101606369},{"word":"sees","start":2679.765,"end":2680.005,"confidence":0.967249,"punctuated_word":"sees","sentiment":"neutral","sentiment_score":0.1578277349472046},{"word":"about","start":2680.005,"end":2680.405,"confidence":0.99815255,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1311117857694626},{"word":"70%","start":2680.405,"end":2680.9648,"confidence":0.99942714,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.14717866480350494},{"word":"of","start":2680.9648,"end":2681.125,"confidence":0.99938405,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14239218831062317},{"word":"your","start":2681.125,"end":2681.285,"confidence":0.9733185,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.144965261220932},{"word":"super","start":2681.285,"end":2681.6848,"confidence":0.9520346,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22605611383914948},{"word":"invested","start":2681.6848,"end":2682.085,"confidence":0.99312216,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.1036469042301178},{"word":"in","start":2682.085,"end":2682.325,"confidence":0.99884665,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15981736779212952},{"word":"growth","start":2682.325,"end":2682.645,"confidence":0.98859954,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.14833879470825195},{"word":"assets","start":2682.645,"end":2683.125,"confidence":0.9966162,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.06688082218170166},{"word":"these","start":2683.125,"end":2683.365,"confidence":0.9903133,"punctuated_word":"These","sentiment":"neutral","sentiment_score":0.21587559580802915},{"word":"are","start":2683.365,"end":2683.765,"confidence":0.9776134,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.219008207321167},{"word":"the","start":2683.765,"end":2683.9248,"confidence":0.9592554,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3240489959716797},{"word":"investments","start":2683.9248,"end":2684.325,"confidence":0.9801161,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.19670546054840088},{"word":"that","start":2684.325,"end":2684.4849,"confidence":0.9958068,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2974647581577301},{"word":"take","start":2684.4849,"end":2684.7249,"confidence":0.9993926,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.26322585344314575},{"word":"a","start":2684.7249,"end":2684.805,"confidence":0.99978846,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35793447494506836},{"word":"bit","start":2684.805,"end":2684.9648,"confidence":0.9999095,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16915027797222135},{"word":"more","start":2684.9648,"end":2685.2048,"confidence":0.99984765,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.19701732695102692},{"word":"that","start":2685.285,"end":2685.605,"confidence":0.9994759,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18653112649917605},{"word":"give","start":2685.605,"end":2685.765,"confidence":0.99361163,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2208608835935593},{"word":"us","start":2685.765,"end":2685.9248,"confidence":0.99979895,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2995629608631134},{"word":"a","start":2685.9248,"end":2686.005,"confidence":0.9992772,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.33174049854278564},{"word":"bit","start":2686.005,"end":2686.1648,"confidence":0.99973005,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12873202562332153},{"word":"more","start":2686.1648,"end":2686.325,"confidence":0.9995944,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.13037189841270447},{"word":"risk","start":2686.325,"end":2686.645,"confidence":0.81076837,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.22981801629066467},{"word":"that","start":2686.645,"end":2686.805,"confidence":0.9909135,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3331751227378845},{"word":"tend","start":2686.805,"end":2687.045,"confidence":0.9778521,"punctuated_word":"tend","sentiment":"positive","sentiment_score":0.40123867988586426},{"word":"to","start":2687.045,"end":2687.2048,"confidence":0.9956773,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4499968886375427},{"word":"give","start":2687.2048,"end":2687.365,"confidence":0.9979838,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.549319863319397},{"word":"us","start":2687.365,"end":2687.525,"confidence":0.9988626,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.4926340878009796},{"word":"greater","start":2687.525,"end":2687.845,"confidence":0.99796885,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.5415647029876709},{"word":"returns","start":2687.845,"end":2688.325,"confidence":0.9980515,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.6129153966903687},{"word":"over","start":2688.325,"end":2688.565,"confidence":0.9960079,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6548791527748108},{"word":"the","start":2688.565,"end":2688.7249,"confidence":0.89526767,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6519902944564819},{"word":"longer","start":2688.7249,"end":2689.125,"confidence":0.9981652,"punctuated_word":"longer","sentiment":"positive","sentiment_score":0.6168882846832275},{"word":"term","start":2689.125,"end":2689.365,"confidence":0.99752706,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.5288687944412231},{"word":"as","start":2689.365,"end":2689.525,"confidence":0.99983084,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6429668664932251},{"word":"well","start":2689.525,"end":2689.9248,"confidence":0.96733004,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4749452471733093},{"word":"there","start":2689.9248,"end":2690.085,"confidence":0.5831836,"punctuated_word":"There","sentiment":"positive","sentiment_score":0.35633158683776855},{"word":"are","start":2690.085,"end":2690.2449,"confidence":0.98027164,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.35457324981689453},{"word":"things","start":2690.2449,"end":2690.4849,"confidence":0.99947375,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.44262367486953735},{"word":"like","start":2690.4849,"end":2690.7249,"confidence":0.97182804,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2833993136882782},{"word":"australian","start":2690.7249,"end":2691.2249,"confidence":0.99593794,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.4610346853733063},{"word":"shares","start":2691.285,"end":2691.765,"confidence":0.9992982,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.29037177562713623},{"word":"international","start":2691.765,"end":2692.265,"confidence":0.99850935,"punctuated_word":"international","sentiment":"positive","sentiment_score":0.33919718861579895},{"word":"shares","start":2692.4849,"end":2692.885,"confidence":0.9983797,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.3057965040206909},{"word":"listed","start":2692.885,"end":2693.285,"confidence":0.9970174,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.3258470296859741},{"word":"property","start":2693.285,"end":2693.765,"confidence":0.9500183,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.2591266632080078},{"word":"and","start":2693.765,"end":2694.005,"confidence":0.9997346,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2777666449546814},{"word":"commodities","start":2694.005,"end":2694.505,"confidence":0.99775386,"punctuated_word":"commodities.","sentiment":"neutral","sentiment_score":0.27012473344802856},{"word":"this","start":2695.29,"end":2695.45,"confidence":0.9901563,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.41469883918762207},{"word":"sort","start":2695.45,"end":2695.69,"confidence":0.98750895,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.41780391335487366},{"word":"of","start":2695.69,"end":2695.85,"confidence":0.9935489,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5151466727256775},{"word":"portfolio","start":2695.85,"end":2696.35,"confidence":0.999252,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.40790554881095886},{"word":"is","start":2696.4102,"end":2696.6501,"confidence":0.99974376,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.486958771944046},{"word":"trying","start":2696.6501,"end":2696.8901,"confidence":0.99039954,"punctuated_word":"trying","sentiment":"positive","sentiment_score":0.49109435081481934},{"word":"to","start":2696.8901,"end":2697.05,"confidence":0.99894994,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5203878283500671},{"word":"average","start":2697.05,"end":2697.45,"confidence":0.9997886,"punctuated_word":"average","sentiment":"positive","sentiment_score":0.5878612399101257},{"word":"around","start":2697.45,"end":2697.69,"confidence":0.99680054,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.553958535194397},{"word":"about","start":2697.69,"end":2698.01,"confidence":0.99672556,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.526911199092865},{"word":"six","start":2698.01,"end":2698.25,"confidence":0.9972204,"punctuated_word":"six","sentiment":"positive","sentiment_score":0.6350501179695129},{"word":"to","start":2698.25,"end":2698.4102,"confidence":0.9823481,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42575785517692566},{"word":"8%","start":2698.4102,"end":2698.97,"confidence":0.9996014,"punctuated_word":"8%","sentiment":"positive","sentiment_score":0.6159029603004456},{"word":"return","start":2698.97,"end":2699.37,"confidence":0.9996351,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5663397312164307},{"word":"on","start":2699.37,"end":2699.45,"confidence":0.99995005,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5732849836349487},{"word":"a","start":2699.45,"end":2699.61,"confidence":0.99943465,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6316217184066772},{"word":"yearly","start":2699.61,"end":2700.01,"confidence":0.99982613,"punctuated_word":"yearly","sentiment":"positive","sentiment_score":0.5978305339813232},{"word":"basis","start":2700.01,"end":2700.49,"confidence":0.839391,"punctuated_word":"basis.","sentiment":"positive","sentiment_score":0.4888853430747986},{"word":"so","start":2700.49,"end":2700.8901,"confidence":0.9995999,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.48706671595573425},{"word":"your","start":2700.8901,"end":2701.1301,"confidence":0.96066284,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6616296768188477},{"word":"return","start":2701.1301,"end":2701.45,"confidence":0.9989108,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.6732823848724365},{"word":"this","start":2701.45,"end":2701.61,"confidence":0.9524841,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.6237387657165527},{"word":"year","start":2701.61,"end":2701.85,"confidence":0.73931724,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.6638768911361694},{"word":"while","start":2701.85,"end":2702.09,"confidence":0.6435392,"punctuated_word":"while","sentiment":"positive","sentiment_score":0.6192833185195923},{"word":"spend","start":2702.09,"end":2702.33,"confidence":0.38346648,"punctuated_word":"spend","sentiment":"positive","sentiment_score":0.6837775111198425},{"word":"along","start":2702.33,"end":2702.73,"confidence":0.8943858,"punctuated_word":"along","sentiment":"positive","sentiment_score":0.6074168086051941},{"word":"has","start":2702.73,"end":2702.97,"confidence":0.672718,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5744376182556152},{"word":"been","start":2702.97,"end":2703.1301,"confidence":0.97301257,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.5865297913551331},{"word":"down","start":2703.1301,"end":2703.45,"confidence":0.9983334,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.5243211388587952},{"word":"a","start":2703.45,"end":2703.53,"confidence":0.99901104,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5408726930618286},{"word":"little","start":2703.53,"end":2703.77,"confidence":0.9999056,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4331335425376892},{"word":"bit","start":2703.77,"end":2704.09,"confidence":0.9662351,"punctuated_word":"bit,","sentiment":"positive","sentiment_score":0.5520862340927124},{"word":"is","start":2704.09,"end":2704.25,"confidence":0.99482393,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6251328587532043},{"word":"generally","start":2704.25,"end":2704.73,"confidence":0.9966742,"punctuated_word":"generally","sentiment":"positive","sentiment_score":0.628970742225647},{"word":"in","start":2704.73,"end":2704.8901,"confidence":0.99748284,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6117632985115051},{"word":"line","start":2704.8901,"end":2705.1301,"confidence":0.99984884,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.6630051136016846},{"word":"with","start":2705.1301,"end":2705.37,"confidence":0.9997553,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7172773480415344},{"word":"what","start":2705.37,"end":2705.53,"confidence":0.9992866,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.7673981189727783},{"word":"the","start":2705.53,"end":2705.77,"confidence":0.9992588,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6972190141677856},{"word":"expectation","start":2705.77,"end":2706.27,"confidence":0.99108547,"punctuated_word":"expectation","sentiment":"positive","sentiment_score":0.7286611795425415},{"word":"is","start":2706.4102,"end":2706.73,"confidence":0.99973935,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5960210561752319},{"word":"of","start":2706.73,"end":2706.8901,"confidence":0.99922895,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6355924606323242},{"word":"that","start":2706.8901,"end":2707.1301,"confidence":0.9996685,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6079694628715515},{"word":"portfolio","start":2707.1301,"end":2707.6301,"confidence":0.99703324,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.411947637796402},{"word":"you","start":2708.595,"end":2708.755,"confidence":0.9790467,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4501950144767761},{"word":"still","start":2708.755,"end":2708.9949,"confidence":0.99062437,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4139595031738281},{"word":"then","start":2708.9949,"end":2709.315,"confidence":0.99390113,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3864457607269287},{"word":"have","start":2709.315,"end":2709.635,"confidence":0.99984574,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.45077383518218994},{"word":"around","start":2709.635,"end":2709.955,"confidence":0.99187064,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.39730897545814514},{"word":"about","start":2709.955,"end":2710.195,"confidence":0.982546,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3783714771270752},{"word":"30%","start":2710.195,"end":2710.915,"confidence":0.99922246,"punctuated_word":"30%","sentiment":"positive","sentiment_score":0.5298635959625244},{"word":"in","start":2710.915,"end":2711.155,"confidence":0.9958478,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.48622846603393555},{"word":"defensive","start":2711.155,"end":2711.655,"confidence":0.997038,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.28319045901298523},{"word":"investment","start":2711.795,"end":2712.195,"confidence":0.5349284,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.18221578001976013},{"word":"fees","start":2712.195,"end":2712.435,"confidence":0.4196333,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.3801123201847077},{"word":"of","start":2712.435,"end":2712.595,"confidence":0.46666995,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.335769385099411},{"word":"things","start":2712.595,"end":2712.915,"confidence":0.9930575,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3664821982383728},{"word":"that","start":2712.915,"end":2713.155,"confidence":0.9188636,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3404628038406372},{"word":"tend","start":2713.155,"end":2713.395,"confidence":0.40151408,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.2835673391819},{"word":"to","start":2713.395,"end":2713.475,"confidence":0.9992374,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2819192707538605},{"word":"be","start":2713.475,"end":2713.635,"confidence":0.9963257,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.33496394753456116},{"word":"lower","start":2713.635,"end":2714.035,"confidence":0.9991491,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2353932559490204},{"word":"in","start":2714.035,"end":2714.275,"confidence":0.9988637,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3395920991897583},{"word":"risk","start":2714.275,"end":2714.755,"confidence":0.7697177,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.25076237320899963},{"word":"things","start":2714.755,"end":2714.9949,"confidence":0.9995011,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3447922170162201},{"word":"like","start":2714.9949,"end":2715.315,"confidence":0.98004156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2845833897590637},{"word":"cash","start":2715.315,"end":2715.635,"confidence":0.9069008,"punctuated_word":"cash,","sentiment":"positive","sentiment_score":0.3414360284805298},{"word":"bonds","start":2715.635,"end":2715.955,"confidence":0.9550625,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.31115514039993286},{"word":"and","start":2715.955,"end":2716.115,"confidence":0.9997732,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2987787127494812},{"word":"fixed","start":2716.115,"end":2716.435,"confidence":0.99840623,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.24283745884895325},{"word":"interest","start":2716.435,"end":2716.835,"confidence":0.9147219,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.2707905173301697},{"word":"we","start":2716.835,"end":2716.9949,"confidence":0.9992849,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.3760157525539398},{"word":"wanna","start":2716.9949,"end":2717.315,"confidence":0.9981286,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4511386156082154},{"word":"have","start":2717.315,"end":2717.795,"confidence":0.99977404,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4017970561981201},{"word":"a","start":2717.795,"end":2717.955,"confidence":0.97319615,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4092522859573364},{"word":"mix","start":2717.955,"end":2718.275,"confidence":0.9906585,"punctuated_word":"mix","sentiment":"positive","sentiment_score":0.3800925016403198},{"word":"of","start":2718.275,"end":2718.435,"confidence":0.9963368,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4633720219135285},{"word":"both","start":2718.435,"end":2718.835,"confidence":0.9951662,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.4781766533851623},{"word":"to","start":2718.835,"end":2719.155,"confidence":0.99404883,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4079540967941284},{"word":"diversify","start":2719.155,"end":2719.655,"confidence":0.99980056,"punctuated_word":"diversify","sentiment":"positive","sentiment_score":0.38834115862846375},{"word":"and","start":2719.955,"end":2720.115,"confidence":0.9987527,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4507942795753479},{"word":"spread","start":2720.115,"end":2720.435,"confidence":0.9992238,"punctuated_word":"spread","sentiment":"positive","sentiment_score":0.500191330909729},{"word":"our","start":2720.435,"end":2720.595,"confidence":0.8432969,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.4507077038288117},{"word":"risk","start":2720.595,"end":2720.915,"confidence":0.9998209,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.3259322941303253},{"word":"level","start":2720.915,"end":2721.315,"confidence":0.9994118,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.36121490597724915},{"word":"over","start":2721.315,"end":2721.555,"confidence":0.99900085,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4714908301830292},{"word":"the","start":2721.555,"end":2721.715,"confidence":0.9996213,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4351532757282257},{"word":"portfolio","start":2721.715,"end":2722.215,"confidence":0.81384104,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.2161080688238144},{"word":"over","start":2723.3901,"end":2723.6301,"confidence":0.99719894,"punctuated_word":"Over","sentiment":"neutral","sentiment_score":0.3157714009284973},{"word":"the","start":2723.6301,"end":2723.87,"confidence":0.99983275,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24928998947143555},{"word":"course","start":2723.87,"end":2724.1902,"confidence":0.9996922,"punctuated_word":"course","sentiment":"neutral","sentiment_score":0.2974216639995575},{"word":"of","start":2724.1902,"end":2724.51,"confidence":0.9993923,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23431363701820376},{"word":"time","start":2724.51,"end":2724.99,"confidence":0.86209077,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.25525611639022827},{"word":"those","start":2724.99,"end":2725.3901,"confidence":0.97508776,"punctuated_word":"Those","sentiment":"positive","sentiment_score":0.4131673574447632},{"word":"defensive","start":2725.3901,"end":2725.8901,"confidence":0.99726677,"punctuated_word":"defensive","sentiment":"positive","sentiment_score":0.37209099531173706},{"word":"investments","start":2726.03,"end":2726.4302,"confidence":0.99577916,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.2218802869319916},{"word":"help","start":2726.4302,"end":2726.6702,"confidence":0.8948749,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4003000259399414},{"word":"to","start":2726.6702,"end":2727.1702,"confidence":0.902954,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39180564880371094},{"word":"smooth","start":2727.23,"end":2727.6301,"confidence":0.97395974,"punctuated_word":"smooth","sentiment":"positive","sentiment_score":0.39488446712493896},{"word":"out","start":2727.6301,"end":2727.87,"confidence":0.965991,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.40722429752349854},{"word":"long","start":2727.87,"end":2728.11,"confidence":0.9988613,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.23208320140838623},{"word":"term","start":2728.11,"end":2728.4302,"confidence":0.99721116,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.3554809093475342},{"word":"market","start":2728.4302,"end":2728.9102,"confidence":0.88346434,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.19312268495559692},{"word":"fluctuations","start":2728.9102,"end":2729.4102,"confidence":0.76398146,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":0.3125416040420532},{"word":"so","start":2729.6301,"end":2729.79,"confidence":0.8090489,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3512619733810425},{"word":"it's","start":2729.79,"end":2729.87,"confidence":0.966082,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.508034884929657},{"word":"good","start":2729.87,"end":2730.11,"confidence":0.9995584,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4909535050392151},{"word":"to","start":2730.11,"end":2730.27,"confidence":0.99847835,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5635780096054077},{"word":"have","start":2730.27,"end":2730.59,"confidence":0.99880886,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4884771704673767},{"word":"some","start":2730.59,"end":2730.75,"confidence":0.9951806,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5666563510894775},{"word":"of","start":2730.75,"end":2730.99,"confidence":0.9974093,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6159815788269043},{"word":"those","start":2730.99,"end":2731.31,"confidence":0.9975007,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5868567228317261},{"word":"in","start":2731.31,"end":2731.47,"confidence":0.99698514,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5106881260871887},{"word":"there","start":2731.47,"end":2731.97,"confidence":0.99814975,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4811224043369293},{"word":"the","start":2733.1501,"end":2733.3901,"confidence":0.9546535,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.047268107533454895},{"word":"balanced","start":2733.3901,"end":2733.87,"confidence":0.6138533,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":-0.01314203441143036},{"word":"growth","start":2733.87,"end":2734.1902,"confidence":0.9495032,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09032511711120604},{"word":"portfolio","start":2734.1902,"end":2734.6902,"confidence":0.99452126,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.013353638350963593},{"word":"we","start":2735.07,"end":2735.23,"confidence":0.99662244,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.004182055592536926},{"word":"do","start":2735.23,"end":2735.715,"confidence":0.9922328,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06023123860359192},{"word":"expect","start":2735.7952,"end":2735.955,"confidence":0.99225146,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.01500314474105835},{"word":"the","start":2735.955,"end":2736.115,"confidence":0.99527246,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04975569248199463},{"word":"likelihood","start":2736.115,"end":2736.615,"confidence":0.8635504,"punctuated_word":"likelihood","sentiment":"neutral","sentiment_score":-0.07610583305358887},{"word":"of","start":2736.7551,"end":2736.995,"confidence":0.99795157,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09260360896587372},{"word":"a","start":2736.995,"end":2737.155,"confidence":0.9961598,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21022947132587433},{"word":"negative","start":2737.155,"end":2737.5552,"confidence":0.99998677,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.1707804948091507},{"word":"return","start":2737.5552,"end":2737.955,"confidence":0.9995328,"punctuated_word":"return","sentiment":"negative","sentiment_score":-0.36584630608558655},{"word":"to","start":2737.955,"end":2738.115,"confidence":0.9995685,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3718506991863251},{"word":"be","start":2738.115,"end":2738.355,"confidence":0.9988733,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2841744124889374},{"word":"about","start":2738.355,"end":2738.675,"confidence":0.9995326,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2357196509838104},{"word":"one","start":2738.675,"end":2738.8352,"confidence":0.9997831,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.3225369453430176},{"word":"in","start":2738.8352,"end":2739.0752,"confidence":0.95918447,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3195798993110657},{"word":"six","start":2739.0752,"end":2739.395,"confidence":0.99966395,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.2092761397361755},{"word":"years","start":2739.395,"end":2739.7952,"confidence":0.8423647,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.21531234681606293},{"word":"so","start":2739.7952,"end":2739.955,"confidence":0.9995833,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00756227970123291},{"word":"it's","start":2739.955,"end":2740.195,"confidence":0.99965405,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08647643029689789},{"word":"relatively","start":2740.195,"end":2740.695,"confidence":0.99979573,"punctuated_word":"relatively","sentiment":"neutral","sentiment_score":-0.07020585238933563},{"word":"low","start":2740.7551,"end":2740.995,"confidence":0.99812,"punctuated_word":"low","sentiment":"neutral","sentiment_score":-0.08653585612773895},{"word":"to","start":2740.995,"end":2741.155,"confidence":0.9994648,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.028042271733283997},{"word":"other","start":2741.155,"end":2741.475,"confidence":0.99855214,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.06078718602657318},{"word":"portfolios","start":2741.475,"end":2741.975,"confidence":0.75645083,"punctuated_word":"portfolios.","sentiment":"neutral","sentiment_score":-0.15327340364456177},{"word":"and","start":2742.675,"end":2742.995,"confidence":0.6309883,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08235464990139008},{"word":"this","start":2742.995,"end":2743.235,"confidence":0.8937296,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10264575481414796},{"word":"sort","start":2743.235,"end":2743.395,"confidence":0.9778104,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10188257694244383},{"word":"of","start":2743.395,"end":2743.5552,"confidence":0.99954057,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09860098361968994},{"word":"investment","start":2743.5552,"end":2744.0552,"confidence":0.9967338,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0022318512201309204},{"word":"portfolio","start":2744.115,"end":2744.615,"confidence":0.92386425,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.053111493587493896},{"word":"suits","start":2744.7551,"end":2745.0752,"confidence":0.8200294,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.21724049746990204},{"word":"someone","start":2745.0752,"end":2745.395,"confidence":0.9995988,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.2594156861305237},{"word":"who","start":2745.395,"end":2745.875,"confidence":0.99973553,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.2631153464317322},{"word":"has","start":2745.875,"end":2746.115,"confidence":0.99797994,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.15233087539672852},{"word":"about","start":2746.115,"end":2746.5151,"confidence":0.99132323,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1467583030462265},{"word":"five","start":2746.5151,"end":2746.7551,"confidence":0.9997969,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2153303176164627},{"word":"years","start":2746.7551,"end":2747.0752,"confidence":0.9998921,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.141617551445961},{"word":"before","start":2747.0752,"end":2747.395,"confidence":0.9998598,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.19101090729236603},{"word":"they're","start":2747.395,"end":2747.635,"confidence":0.96056795,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.14684173464775083},{"word":"wanting","start":2747.635,"end":2747.955,"confidence":0.99945694,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.11601272970438004},{"word":"to","start":2747.955,"end":2748.115,"confidence":0.9971814,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1138903796672821},{"word":"access","start":2748.115,"end":2748.595,"confidence":0.99989164,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.04534301906824112},{"word":"their","start":2748.595,"end":2748.8352,"confidence":0.98449045,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.11280915886163712},{"word":"their","start":2748.8352,"end":2749.155,"confidence":0.9837339,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.16263936460018158},{"word":"investment","start":2749.155,"end":2749.655,"confidence":0.9958311,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.10170066356658936},{"word":"or","start":2749.715,"end":2749.875,"confidence":0.9856512,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16705322265625},{"word":"their","start":2749.875,"end":2750.115,"confidence":0.999199,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.14228129386901855},{"word":"money","start":2750.115,"end":2750.5151,"confidence":0.8817007,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.19868171215057373},{"word":"so","start":2750.5151,"end":2750.94,"confidence":0.99939275,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.322616845369339},{"word":"this","start":2751.02,"end":2751.26,"confidence":0.9987207,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.406924307346344},{"word":"does","start":2751.26,"end":2751.42,"confidence":0.9985001,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.3835054337978363},{"word":"suit","start":2751.42,"end":2751.74,"confidence":0.9817693,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":0.305972158908844},{"word":"where","start":2751.74,"end":2751.9,"confidence":0.99911135,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.24478167295455933},{"word":"you","start":2751.9,"end":2752.14,"confidence":0.9998572,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23697200417518616},{"word":"are","start":2752.14,"end":2752.64,"confidence":0.9990804,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.24417182803153992},{"word":"if","start":2752.8599,"end":2753.02,"confidence":0.9993274,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2699137330055237},{"word":"you","start":2753.02,"end":2753.18,"confidence":0.99997723,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23033758997917175},{"word":"are","start":2753.18,"end":2753.42,"confidence":0.99980956,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1866437196731567},{"word":"wanting","start":2753.42,"end":2753.66,"confidence":0.9998035,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.144780695438385},{"word":"to","start":2753.66,"end":2753.8198,"confidence":0.9991974,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16029998660087583},{"word":"take","start":2753.8198,"end":2753.98,"confidence":0.9999113,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.15442129969596863},{"word":"on","start":2753.98,"end":2754.22,"confidence":0.9996927,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1689346432685852},{"word":"just","start":2754.22,"end":2754.46,"confidence":0.99664307,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1626368761062622},{"word":"a","start":2754.46,"end":2754.54,"confidence":0.9994424,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16837017238140106},{"word":"little","start":2754.54,"end":2754.78,"confidence":0.9998853,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10824549943208694},{"word":"bit","start":2754.78,"end":2754.94,"confidence":0.99947625,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.049729831516742706},{"word":"more","start":2754.94,"end":2755.18,"confidence":0.9998386,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03962288796901703},{"word":"risk","start":2755.18,"end":2755.5,"confidence":0.9985085,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.10938037931919098},{"word":"and","start":2755.5,"end":2755.66,"confidence":0.9919674,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05395391583442688},{"word":"maybe","start":2755.66,"end":2756.06,"confidence":0.9914016,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.08414363861083984},{"word":"increase","start":2756.06,"end":2756.54,"confidence":0.9691831,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.16575902700424194},{"word":"things","start":2756.54,"end":2756.78,"confidence":0.9986621,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.21023723483085632},{"word":"a","start":2756.78,"end":2756.8599,"confidence":0.9982158,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1971939206123352},{"word":"bit","start":2756.8599,"end":2757.0999,"confidence":0.9994627,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.1657297909259796},{"word":"we","start":2757.0999,"end":2757.26,"confidence":0.9998609,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2685786187648773},{"word":"could","start":2757.26,"end":2757.42,"confidence":0.99900454,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.28496161103248596},{"word":"always","start":2757.42,"end":2757.74,"confidence":0.99934036,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.25594350695610046},{"word":"move","start":2757.74,"end":2757.98,"confidence":0.99952364,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.17985019087791443},{"word":"you","start":2757.98,"end":2758.14,"confidence":0.9993831,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2314116358757019},{"word":"up","start":2758.14,"end":2758.38,"confidence":0.9994998,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09188061952590942},{"word":"into","start":2758.38,"end":2758.88,"confidence":0.9992804,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.169898122549057},{"word":"the","start":2759.0999,"end":2759.3398,"confidence":0.99812657,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23450317978858948},{"word":"growth","start":2759.3398,"end":2759.74,"confidence":0.9757003,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.20450694859027865},{"word":"portfolio","start":2759.74,"end":2760.24,"confidence":0.9996697,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11598756164312364},{"word":"that","start":2760.7,"end":2761.02,"confidence":0.7086619,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2671552300453186},{"word":"increases","start":2761.02,"end":2761.52,"confidence":0.99922895,"punctuated_word":"increases","sentiment":"neutral","sentiment_score":0.2773744761943817},{"word":"those","start":2762.46,"end":2762.78,"confidence":0.8727823,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.33454909920692444},{"word":"growth","start":2762.78,"end":2763.0999,"confidence":0.9978022,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2550601363182068},{"word":"assets","start":2763.0999,"end":2763.5798,"confidence":0.99784815,"punctuated_word":"assets","sentiment":"positive","sentiment_score":0.3463086783885956},{"word":"by","start":2763.5798,"end":2763.74,"confidence":0.98057,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.36246705055236816},{"word":"about","start":2763.74,"end":2763.98,"confidence":0.6564155,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.31459158658981323},{"word":"10%","start":2763.98,"end":2764.72,"confidence":0.92817324,"punctuated_word":"10%.","sentiment":"positive","sentiment_score":0.3397858738899231},{"word":"so","start":2764.8052,"end":2764.965,"confidence":0.9952188,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.30369171500205994},{"word":"you","start":2764.965,"end":2765.125,"confidence":0.99955124,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3025376498699188},{"word":"see","start":2765.125,"end":2765.445,"confidence":0.850301,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3307188153266907},{"word":"about","start":2765.445,"end":2765.685,"confidence":0.9679569,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.32972174882888794},{"word":"80%","start":2765.685,"end":2766.405,"confidence":0.9995502,"punctuated_word":"80%","sentiment":"positive","sentiment_score":0.41233718395233154},{"word":"invested","start":2766.405,"end":2766.885,"confidence":0.9992199,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.29746851325035095},{"word":"there","start":2766.885,"end":2767.385,"confidence":0.99418837,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.37115323543548584},{"word":"it","start":2767.8452,"end":2768.0852,"confidence":0.9389014,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3524661362171173},{"word":"suits","start":2768.0852,"end":2768.405,"confidence":0.9624527,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.2927747368812561},{"word":"someone","start":2768.405,"end":2768.725,"confidence":0.99937385,"punctuated_word":"someone","sentiment":"positive","sentiment_score":0.382563054561615},{"word":"who","start":2768.725,"end":2768.885,"confidence":0.9979832,"punctuated_word":"who","sentiment":"positive","sentiment_score":0.3583226799964905},{"word":"has","start":2768.885,"end":2769.045,"confidence":0.9997801,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.25039827823638916},{"word":"at","start":2769.045,"end":2769.205,"confidence":0.9909418,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2617427706718445},{"word":"least","start":2769.205,"end":2769.5251,"confidence":0.9999161,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.17642608284950256},{"word":"six","start":2769.5251,"end":2769.7651,"confidence":0.993345,"punctuated_word":"six","sentiment":"positive","sentiment_score":0.35059529542922974},{"word":"years","start":2769.7651,"end":2770.0051,"confidence":0.99920875,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.21894848346710205},{"word":"before","start":2770.0051,"end":2770.3252,"confidence":0.99982244,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.25078099966049194},{"word":"they're","start":2770.3252,"end":2770.485,"confidence":0.8700521,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.26195091009140015},{"word":"wanting","start":2770.485,"end":2770.8052,"confidence":0.9986551,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.2574005722999573},{"word":"to","start":2770.8052,"end":2770.965,"confidence":0.99262506,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2551147937774658},{"word":"access","start":2770.965,"end":2771.445,"confidence":0.9995047,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.18228283524513245},{"word":"super","start":2771.445,"end":2771.925,"confidence":0.8868184,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.3054366707801819},{"word":"so","start":2771.925,"end":2772.0852,"confidence":0.9776928,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14772874116897583},{"word":"at","start":2772.0852,"end":2772.165,"confidence":0.95724285,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1279453486204147},{"word":"the","start":2772.165,"end":2772.3252,"confidence":0.99923444,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16013528406620026},{"word":"moment","start":2772.3252,"end":2772.645,"confidence":0.91730875,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.15104243159294128},{"word":"you're","start":2772.645,"end":2772.885,"confidence":0.99468386,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1188473328948021},{"word":"60","start":2772.885,"end":2773.385,"confidence":0.9907106,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.1377696394920349},{"word":"if","start":2773.5251,"end":2773.605,"confidence":0.999156,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1711968183517456},{"word":"we","start":2773.605,"end":2773.8452,"confidence":0.9996117,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17684651911258698},{"word":"sort","start":2773.8452,"end":2774.0051,"confidence":0.99275726,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1757645308971405},{"word":"of","start":2774.0051,"end":2774.165,"confidence":0.99846244,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17826497554779053},{"word":"work","start":2774.165,"end":2774.405,"confidence":0.98173183,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.17980362474918363},{"word":"to","start":2774.405,"end":2774.5652,"confidence":0.85149246,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1887568235397339},{"word":"67","start":2774.5652,"end":2775.2852,"confidence":0.9963496,"punctuated_word":"67,","sentiment":"neutral","sentiment_score":0.18923893570899963},{"word":"that","start":2775.2852,"end":2775.445,"confidence":0.99661607,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20418648421764377},{"word":"does","start":2775.445,"end":2775.685,"confidence":0.9996884,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.22597624361515045},{"word":"give","start":2775.685,"end":2775.8452,"confidence":0.99976283,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.17228901386260986},{"word":"you","start":2775.8452,"end":2776.165,"confidence":0.9995555,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2162293940782547},{"word":"seven","start":2776.165,"end":2776.5652,"confidence":0.9998306,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.1955169439315796},{"word":"years","start":2776.5652,"end":2777.0652,"confidence":0.99920547,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.17005427181720734},{"word":"we","start":2777.6301,"end":2777.79,"confidence":0.9717069,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10193736851215364},{"word":"wouldn't","start":2777.79,"end":2778.11,"confidence":0.9999201,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.11456064879894257},{"word":"wanna","start":2778.11,"end":2778.35,"confidence":0.9934095,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1461525857448578},{"word":"keep","start":2778.35,"end":2778.59,"confidence":0.999627,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.046713247895240784},{"word":"you","start":2778.59,"end":2778.75,"confidence":0.9942695,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1879858672618866},{"word":"in","start":2778.75,"end":2778.9102,"confidence":0.9999484,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0824647843837738},{"word":"that","start":2778.9102,"end":2779.1501,"confidence":0.9998449,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1793801188468933},{"word":"portfolio","start":2779.1501,"end":2779.6501,"confidence":0.99982494,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07468228042125702},{"word":"right","start":2779.87,"end":2780.11,"confidence":0.9953241,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.1635492444038391},{"word":"up","start":2780.11,"end":2780.27,"confidence":0.9925573,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.15897619724273682},{"word":"until","start":2780.27,"end":2780.51,"confidence":0.88363904,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.10469383001327516},{"word":"the","start":2780.51,"end":2780.6702,"confidence":0.9984108,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10563674569129944},{"word":"day","start":2780.6702,"end":2780.83,"confidence":0.99951816,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.12287207692861556},{"word":"you","start":2780.83,"end":2781.07,"confidence":0.99839526,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13608047366142273},{"word":"retire","start":2781.07,"end":2781.55,"confidence":0.92550683,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":0.10862864553928377},{"word":"so","start":2781.55,"end":2781.87,"confidence":0.9863803,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17594563961029053},{"word":"as","start":2781.87,"end":2782.03,"confidence":0.9969523,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24043028056621552},{"word":"you","start":2782.03,"end":2782.1902,"confidence":0.9939129,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21111419796943665},{"word":"get","start":2782.1902,"end":2782.35,"confidence":0.9992317,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15286272764205933},{"word":"closer","start":2782.35,"end":2782.75,"confidence":0.91733134,"punctuated_word":"closer,","sentiment":"neutral","sentiment_score":0.1582639217376709},{"word":"we'll","start":2782.75,"end":2782.99,"confidence":0.93500507,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.22660616040229797},{"word":"start","start":2782.99,"end":2783.23,"confidence":0.9994351,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2460685968399048},{"word":"to","start":2783.23,"end":2783.3901,"confidence":0.9985738,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2211931943893433},{"word":"reduce","start":2783.3901,"end":2783.71,"confidence":0.9996356,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.10946940630674362},{"word":"your","start":2783.71,"end":2783.95,"confidence":0.9977119,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08762767910957336},{"word":"exposure","start":2783.95,"end":2784.45,"confidence":0.9994203,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.06720085442066193},{"word":"a","start":2784.59,"end":2784.6702,"confidence":0.9997521,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19870111346244812},{"word":"little","start":2784.6702,"end":2784.9102,"confidence":0.99995494,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1642608344554901},{"word":"bit","start":2784.9102,"end":2785.07,"confidence":0.99964046,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16153433918952942},{"word":"there","start":2785.07,"end":2785.31,"confidence":0.99900085,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16816876828670502},{"word":"as","start":2785.31,"end":2785.47,"confidence":0.9998266,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24153271317481995},{"word":"well","start":2785.47,"end":2785.87,"confidence":0.999974,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2646233141422272},{"word":"and","start":2785.87,"end":2786.11,"confidence":0.9812324,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15690265595912933},{"word":"make","start":2786.11,"end":2786.27,"confidence":0.9965699,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.21557468175888064},{"word":"you","start":2786.27,"end":2786.4302,"confidence":0.9984384,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2817574441432953},{"word":"more","start":2786.4302,"end":2786.6702,"confidence":0.99949193,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1476670652627945},{"word":"defensive","start":2786.6702,"end":2787.1702,"confidence":0.98978806,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.08380262553691864},{"word":"but","start":2788.1902,"end":2788.4302,"confidence":0.982271,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08235900849103928},{"word":"did","start":2788.4302,"end":2788.59,"confidence":0.99963593,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.08443190902471542},{"word":"you","start":2788.59,"end":2788.83,"confidence":0.999879,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14015734195709229},{"word":"wanna","start":2788.83,"end":2789.1501,"confidence":0.9956109,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14913859963417053},{"word":"sort","start":2789.1501,"end":2789.3901,"confidence":0.97389627,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13426145911216736},{"word":"of","start":2789.3901,"end":2789.6301,"confidence":0.99973565,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10192056745290756},{"word":"maybe","start":2789.6301,"end":2789.87,"confidence":0.94285434,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.10595110058784483},{"word":"look","start":2789.87,"end":2790.11,"confidence":0.99832755,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1182640939950943},{"word":"at","start":2790.11,"end":2790.27,"confidence":0.9926967,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13297146558761597},{"word":"going","start":2790.27,"end":2790.75,"confidence":0.9898099,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2074344903230667},{"word":"up","start":2790.75,"end":2790.99,"confidence":0.9909027,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16655507683753967},{"word":"and","start":2790.99,"end":2791.3901,"confidence":0.9955236,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16453513503074646},{"word":"increasing","start":2791.3901,"end":2791.8901,"confidence":0.99968076,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.20655721426010132},{"word":"that","start":2792.03,"end":2792.385,"confidence":0.7528751,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2331438660621643},{"word":"those","start":2792.465,"end":2792.785,"confidence":0.9785404,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.29368656873703003},{"word":"growth","start":2792.785,"end":2793.025,"confidence":0.97502226,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.24196353554725647},{"word":"assets","start":2793.025,"end":2793.345,"confidence":0.9646056,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.30247706174850464},{"word":"by","start":2793.345,"end":2793.585,"confidence":0.9886825,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2166524976491928},{"word":"10%","start":2793.585,"end":2794.225,"confidence":0.8842783,"punctuated_word":"10%,","sentiment":"neutral","sentiment_score":0.2720181345939636},{"word":"maybe","start":2794.225,"end":2794.465,"confidence":0.9869674,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.2458219826221466},{"word":"looking","start":2794.465,"end":2794.785,"confidence":0.97056097,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.22560833394527435},{"word":"at","start":2794.785,"end":2794.945,"confidence":0.9918479,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1756257861852646},{"word":"the","start":2794.945,"end":2795.025,"confidence":0.998808,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23253133893013},{"word":"growth","start":2795.025,"end":2795.345,"confidence":0.97952396,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16369619965553284},{"word":"portfolio","start":2795.345,"end":2795.845,"confidence":0.74869144,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.17079362273216248},{"word":"just","start":2795.985,"end":2796.385,"confidence":0.97895676,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1992618441581726},{"word":"moving","start":2796.385,"end":2796.785,"confidence":0.9879787,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.19067229330539703},{"word":"up","start":2796.785,"end":2796.945,"confidence":0.82181954,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0967143103480339},{"word":"one","start":2796.945,"end":2797.265,"confidence":0.99426126,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1756647527217865},{"word":"sort","start":2797.265,"end":2797.5051,"confidence":0.97984,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13849076628684998},{"word":"of","start":2797.5051,"end":2797.745,"confidence":0.9639976,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22665810585021973},{"word":"stage","start":2797.745,"end":2798.145,"confidence":0.99342316,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":0.19857893884181976},{"word":"there","start":2798.145,"end":2798.465,"confidence":0.99389774,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2055874615907669},{"word":"for","start":2798.465,"end":2798.625,"confidence":0.9969796,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2033196836709976},{"word":"a","start":2798.625,"end":2798.705,"confidence":0.97682524,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28279244899749756},{"word":"comfort","start":2798.705,"end":2799.105,"confidence":0.9829025,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.2246547490358353},{"word":"amount","start":2799.105,"end":2799.5051,"confidence":0.77937895,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.2850390672683716},{"word":"or","start":2799.5051,"end":2799.825,"confidence":0.9988796,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2730806767940521},{"word":"what","start":2799.825,"end":2799.905,"confidence":0.9978671,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19513440132141113},{"word":"would","start":2799.905,"end":2800.145,"confidence":0.99957544,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.20039497315883636},{"word":"you","start":2800.145,"end":2800.305,"confidence":0.99894947,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24834294617176056},{"word":"like","start":2800.305,"end":2800.465,"confidence":0.99948174,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2130153626203537},{"word":"me","start":2800.465,"end":2800.705,"confidence":0.99950254,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.20123279094696045},{"word":"to","start":2800.705,"end":2800.785,"confidence":0.99837875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15032467246055603},{"word":"do","start":2800.785,"end":2801.285,"confidence":0.9985784,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.0790068730711937},{"word":"yep","start":2806.96,"end":2807.46,"confidence":0.8878827,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06778058409690857},{"word":"that's","start":2813.52,"end":2814.02,"confidence":0.9130297,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.09629018604755402},{"word":"that's","start":2814.16,"end":2814.5598,"confidence":0.9993124,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0116545632481575},{"word":"okay","start":2814.5598,"end":2815.0598,"confidence":0.9977412,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.06835197657346725},{"word":"would","start":2815.52,"end":2815.68,"confidence":0.9985862,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.037833575159311295},{"word":"you","start":2815.68,"end":2815.8398,"confidence":0.99975485,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05068732053041458},{"word":"like","start":2815.8398,"end":2816.0,"confidence":0.9996829,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.045973651111125946},{"word":"me","start":2816.0,"end":2816.16,"confidence":0.99960953,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08548922836780548},{"word":"to","start":2816.16,"end":2816.3198,"confidence":0.9989827,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0575510710477829},{"word":"look","start":2816.3198,"end":2816.48,"confidence":0.9999099,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.041239455342292786},{"word":"at","start":2816.48,"end":2816.715,"confidence":0.9990821,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06698774546384811},{"word":"staying","start":2816.715,"end":2816.955,"confidence":0.9974963,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.07775276154279709},{"word":"in","start":2816.955,"end":2817.0752,"confidence":0.9993948,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10148975998163225},{"word":"the","start":2817.0752,"end":2817.195,"confidence":0.9958715,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11271217465400696},{"word":"balance","start":2817.195,"end":2817.595,"confidence":0.5185542,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.07400064170360565},{"word":"growth","start":2817.595,"end":2817.915,"confidence":0.9846297,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.12517574429512024},{"word":"option","start":2817.915,"end":2818.235,"confidence":0.9978224,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.11928817629814148},{"word":"for","start":2818.235,"end":2818.475,"confidence":0.9999095,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11239128559827805},{"word":"you","start":2818.475,"end":2818.635,"confidence":0.99994314,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.106666699051857},{"word":"at","start":2818.635,"end":2818.715,"confidence":0.9972759,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0731552466750145},{"word":"the","start":2818.715,"end":2818.875,"confidence":0.9997801,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08351902663707733},{"word":"moment","start":2818.875,"end":2819.2751,"confidence":0.7748507,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.08723095059394836},{"word":"look","start":2819.2751,"end":2819.435,"confidence":0.9986523,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0669269859790802},{"word":"at","start":2819.435,"end":2819.5151,"confidence":0.99975413,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06914424896240234},{"word":"that","start":2819.5151,"end":2819.7551,"confidence":0.9991978,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07804746925830841},{"word":"trends","start":2819.7551,"end":2820.155,"confidence":0.35695645,"punctuated_word":"trends","sentiment":"neutral","sentiment_score":0.08596713840961456},{"word":"in","start":2820.155,"end":2820.235,"confidence":0.39907286,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0959991067647934},{"word":"your","start":2820.235,"end":2820.395,"confidence":0.49877113,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1023917943239212},{"word":"time","start":2820.395,"end":2820.715,"confidence":0.7907919,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.11954580992460252},{"word":"strategy","start":2820.715,"end":2821.215,"confidence":0.82423496,"punctuated_word":"strategy,","sentiment":"neutral","sentiment_score":0.1023089811205864},{"word":"look","start":2821.355,"end":2821.595,"confidence":0.99699533,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09955362975597382},{"word":"at","start":2821.595,"end":2821.7551,"confidence":0.99934024,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0967467650771141},{"word":"how","start":2821.7551,"end":2822.0752,"confidence":0.99985564,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.10267465561628342},{"word":"that","start":2822.0752,"end":2822.3152,"confidence":0.9983292,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1377434283494949},{"word":"how","start":2822.395,"end":2822.635,"confidence":0.99993837,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.10630060732364656},{"word":"things","start":2822.635,"end":2822.955,"confidence":0.99965215,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.20838898420333865},{"word":"work","start":2822.955,"end":2823.2751,"confidence":0.9994179,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.1314265877008438},{"word":"for","start":2823.2751,"end":2823.435,"confidence":0.9999198,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08342743664979935},{"word":"you","start":2823.435,"end":2823.935,"confidence":0.9743,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.078680619597435},{"word":"look","start":2824.395,"end":2824.635,"confidence":0.7909865,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05543415248394013},{"word":"at","start":2824.635,"end":2824.955,"confidence":0.9997181,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.051346056163311005},{"word":"the","start":2824.955,"end":2825.2751,"confidence":0.99984026,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05135096982121467},{"word":"overall","start":2825.2751,"end":2825.675,"confidence":0.98425007,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.04782545939087868},{"word":"retirement","start":2825.675,"end":2826.175,"confidence":0.98459727,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.039829228073358536},{"word":"projection","start":2826.3152,"end":2826.8152,"confidence":0.80781496,"punctuated_word":"projection?","sentiment":"neutral","sentiment_score":0.028584349900484085},{"word":"if","start":2827.115,"end":2827.355,"confidence":0.9994956,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.08042125403881073},{"word":"we","start":2827.355,"end":2827.595,"confidence":0.99987435,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03892550617456436},{"word":"find","start":2827.595,"end":2827.915,"confidence":0.99896383,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.07690326124429703},{"word":"it's","start":2827.915,"end":2828.155,"confidence":0.95753396,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07760684937238693},{"word":"not","start":2828.155,"end":2828.395,"confidence":0.9999105,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1578461229801178},{"word":"gonna","start":2828.395,"end":2828.635,"confidence":0.99924976,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.14762479066848755},{"word":"be","start":2828.635,"end":2828.875,"confidence":0.99719954,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1832028180360794},{"word":"enough","start":2828.875,"end":2829.21,"confidence":0.9981618,"punctuated_word":"enough,","sentiment":"neutral","sentiment_score":-0.17817595601081848},{"word":"then","start":2829.21,"end":2829.45,"confidence":0.99986196,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1168186217546463},{"word":"we","start":2829.45,"end":2829.5032,"confidence":0.99971324,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05673123523592949},{"word":"could","start":2829.5032,"end":2829.5566,"confidence":0.9996152,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.07728217542171478},{"word":"always","start":2829.5566,"end":2829.6099,"confidence":0.9996544,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.0926891565322876},{"word":"look","start":2829.6099,"end":2830.1099,"confidence":0.9994617,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.07188110053539276},{"word":"at","start":2830.33,"end":2830.73,"confidence":0.9390581,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08916820585727692},{"word":"as","start":2830.73,"end":2830.89,"confidence":0.6094196,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04576067253947258},{"word":"sort","start":2830.89,"end":2831.05,"confidence":0.973691,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.027064211666584015},{"word":"of","start":2831.05,"end":2831.21,"confidence":0.9993749,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00857478380203247},{"word":"a","start":2831.21,"end":2831.29,"confidence":0.9943243,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.028732936829328537},{"word":"worst","start":2831.29,"end":2831.6099,"confidence":0.98485684,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.12829218804836273},{"word":"case","start":2831.6099,"end":2831.93,"confidence":0.9995433,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.10341459512710573},{"word":"scenario","start":2831.93,"end":2832.43,"confidence":0.867885,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":-0.152032732963562},{"word":"moving","start":2832.65,"end":2832.97,"confidence":0.9880167,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.22440800070762632},{"word":"you","start":2832.97,"end":2833.21,"confidence":0.9998846,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1580623984336853},{"word":"up","start":2833.21,"end":2833.33,"confidence":0.9997912,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.16763266921043396},{"word":"a","start":2833.33,"end":2833.45,"confidence":0.9998436,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1317989081144333},{"word":"little","start":2833.45,"end":2833.69,"confidence":0.99994266,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.11867585778236388},{"word":"bit","start":2833.69,"end":2833.93,"confidence":0.9581835,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.11814860999584198},{"word":"taking","start":2833.93,"end":2834.25,"confidence":0.98460025,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.16062071919441223},{"word":"on","start":2834.25,"end":2834.33,"confidence":0.845235,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.17968818545341492},{"word":"a","start":2834.33,"end":2834.41,"confidence":0.99942446,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11126828193664552},{"word":"bit","start":2834.41,"end":2834.65,"confidence":0.9994368,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1268656849861145},{"word":"more","start":2834.65,"end":2834.81,"confidence":0.99966025,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1047445386648178},{"word":"risk","start":2834.81,"end":2835.13,"confidence":0.9982934,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.12377370893955232},{"word":"would","start":2835.13,"end":2835.29,"confidence":0.9997719,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.06655120104551315},{"word":"you","start":2835.29,"end":2835.45,"confidence":0.9996007,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05363486334681511},{"word":"like","start":2835.45,"end":2835.6099,"confidence":0.99967575,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05718841403722763},{"word":"me","start":2835.6099,"end":2835.77,"confidence":0.9989349,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0697820633649826},{"word":"to","start":2835.77,"end":2835.93,"confidence":0.99855214,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033636413514614105},{"word":"look","start":2835.93,"end":2836.0898,"confidence":0.99973625,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.009043149650096892},{"word":"at","start":2836.0898,"end":2836.25,"confidence":0.9969618,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.029716964811086655},{"word":"it","start":2836.25,"end":2836.41,"confidence":0.9946256,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05556602030992508},{"word":"that","start":2836.41,"end":2836.57,"confidence":0.9992716,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07446601241827011},{"word":"way","start":2836.57,"end":2836.81,"confidence":0.9998153,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.069061279296875},{"word":"for","start":2836.81,"end":2836.97,"confidence":0.99964523,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005972757935523987},{"word":"you","start":2836.97,"end":2837.47,"confidence":0.9994217,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.009831469506025314},{"word":"yep","start":2840.25,"end":2840.75,"confidence":0.7434331,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10987602174282074},{"word":"yeah","start":2842.425,"end":2842.925,"confidence":0.9779299,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12459365278482436},{"word":"that's","start":2843.0652,"end":2843.385,"confidence":0.9973093,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.18789491057395935},{"word":"okay","start":2843.385,"end":2843.885,"confidence":0.99961305,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.17070117592811584},{"word":"it","start":2844.105,"end":2844.3452,"confidence":0.92587256,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.0410960465669632},{"word":"can","start":2844.3452,"end":2844.5051,"confidence":0.9800827,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02296575903892517},{"word":"kinda","start":2844.5051,"end":2844.8252,"confidence":0.9481844,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.02624364942312241},{"word":"keep","start":2844.8252,"end":2844.985,"confidence":0.9992575,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.03665336221456528},{"word":"it","start":2844.985,"end":2845.145,"confidence":0.99269146,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04060479998588562},{"word":"sort","start":2845.145,"end":2845.3052,"confidence":0.9736104,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.030064016580581665},{"word":"of","start":2845.3052,"end":2845.465,"confidence":0.99849737,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014685943722724916},{"word":"as","start":2845.465,"end":2845.625,"confidence":0.9959986,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.020406194031238556},{"word":"a","start":2845.625,"end":2845.705,"confidence":0.9968443,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015393037348985672},{"word":"worst","start":2845.705,"end":2846.0251,"confidence":0.9921456,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.08539138734340668},{"word":"case","start":2846.0251,"end":2846.3452,"confidence":0.99966085,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.05206446349620819},{"word":"scenario","start":2846.3452,"end":2846.8252,"confidence":0.77812386,"punctuated_word":"scenario.","sentiment":"neutral","sentiment_score":-0.06281942874193192},{"word":"so","start":2846.8252,"end":2847.0652,"confidence":0.98132527,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.006581667810678482},{"word":"you","start":2847.0652,"end":2847.145,"confidence":0.9996581,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0133308544754982},{"word":"know","start":2847.145,"end":2847.3052,"confidence":0.9998701,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.007243815809488296},{"word":"if","start":2847.3052,"end":2847.5452,"confidence":0.9991285,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03289800509810448},{"word":"we're","start":2847.5452,"end":2847.705,"confidence":0.99953735,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06599529832601547},{"word":"not","start":2847.705,"end":2848.205,"confidence":0.99993813,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1006600856781006},{"word":"getting","start":2848.425,"end":2848.745,"confidence":0.82228696,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.15716326236724854},{"word":"the","start":2848.745,"end":2848.905,"confidence":0.9995272,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.121608205139637},{"word":"outcome","start":2848.905,"end":2849.225,"confidence":0.99906045,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":-0.06610840559005737},{"word":"we're","start":2849.225,"end":2849.465,"confidence":0.9491695,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.08739324659109116},{"word":"sort","start":2849.465,"end":2849.625,"confidence":0.9929444,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.048159681260585785},{"word":"of","start":2849.625,"end":2849.7852,"confidence":0.996799,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03213396668434143},{"word":"after","start":2849.7852,"end":2850.105,"confidence":0.91560996,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":-0.050349339842796326},{"word":"if","start":2850.105,"end":2850.3452,"confidence":0.9952989,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04347453638911247},{"word":"it's","start":2850.3452,"end":2850.5051,"confidence":0.99927294,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09052693843841551},{"word":"not","start":2850.5051,"end":2850.665,"confidence":0.9996997,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13066719472408295},{"word":"really","start":2850.665,"end":2850.905,"confidence":0.99983,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1004774197936058},{"word":"working","start":2850.905,"end":2851.225,"confidence":0.99146676,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.1435539573431015},{"word":"then","start":2851.225,"end":2851.385,"confidence":0.9996749,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.05868943780660629},{"word":"we","start":2851.385,"end":2851.5452,"confidence":0.9997327,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07734855264425278},{"word":"could","start":2851.5452,"end":2851.705,"confidence":0.99879396,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.10861871391534804},{"word":"always","start":2851.705,"end":2851.945,"confidence":0.9968092,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.10751581192016602},{"word":"look","start":2851.945,"end":2852.185,"confidence":0.64389515,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.13414189219474792},{"word":"to","start":2852.185,"end":2852.2651,"confidence":0.98831964,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1543024182319641},{"word":"take","start":2852.2651,"end":2852.425,"confidence":0.9997079,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.1644439995288849},{"word":"on","start":2852.425,"end":2852.5852,"confidence":0.9992655,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.15022219717502594},{"word":"a","start":2852.5852,"end":2852.745,"confidence":0.9996301,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08641791343688965},{"word":"bit","start":2852.745,"end":2852.905,"confidence":0.9998642,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09299752116203308},{"word":"more","start":2852.905,"end":2853.145,"confidence":0.9998708,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.123310424387455},{"word":"risk","start":2853.145,"end":2853.645,"confidence":0.95173514,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.08969010412693024},{"word":"but","start":2853.705,"end":2853.865,"confidence":0.93361723,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04127166420221329},{"word":"i","start":2853.865,"end":2854.0251,"confidence":0.9994954,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02504683658480644},{"word":"can","start":2854.0251,"end":2854.185,"confidence":0.9998367,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03217124566435814},{"word":"always","start":2854.185,"end":2854.425,"confidence":0.9997131,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.09383032470941544},{"word":"just","start":2854.425,"end":2854.665,"confidence":0.9922212,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11531303822994232},{"word":"look","start":2854.665,"end":2854.8252,"confidence":0.98393124,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.052833836525678635},{"word":"at","start":2854.8252,"end":2855.0652,"confidence":0.99761546,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07873722910881042},{"word":"sort","start":2855.0652,"end":2855.225,"confidence":0.98915595,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13337506353855133},{"word":"of","start":2855.225,"end":2855.3052,"confidence":0.9088318,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10829794406890868},{"word":"keeping","start":2855.3052,"end":2855.625,"confidence":0.99967,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.057998690754175186},{"word":"the","start":2855.625,"end":2855.865,"confidence":0.8912621,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09986262768507004},{"word":"portfolio","start":2855.865,"end":2856.365,"confidence":0.9984133,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.06274410337209702},{"word":"the","start":2856.5852,"end":2856.665,"confidence":0.8590127,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13477256894111633},{"word":"same","start":2856.665,"end":2856.905,"confidence":0.9976655,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.1702122688293457},{"word":"and","start":2856.905,"end":2857.0652,"confidence":0.9581813,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1293727159500122},{"word":"see","start":2857.0652,"end":2857.2,"confidence":0.665792,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12848889827728271},{"word":"see","start":2857.2,"end":2857.2798,"confidence":0.97625685,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11777059733867644},{"word":"if","start":2857.2798,"end":2857.3599,"confidence":0.99957985,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13278493285179138},{"word":"it","start":2857.3599,"end":2857.52,"confidence":0.99893934,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19245098531246185},{"word":"works","start":2857.52,"end":2857.68,"confidence":0.9875745,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.21473637223243713},{"word":"for","start":2857.68,"end":2858.0,"confidence":0.9993563,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11061976104974748},{"word":"you","start":2858.0,"end":2858.16,"confidence":0.9996252,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0906696766614914},{"word":"that","start":2858.16,"end":2858.32,"confidence":0.99944454,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12415871024131776},{"word":"way","start":2858.32,"end":2858.82,"confidence":0.9994896,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.07106256484985352},{"word":"okay","start":2858.88,"end":2859.38,"confidence":0.69959533,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06138932332396507},{"word":"yep","start":2860.32,"end":2860.82,"confidence":0.9568286,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23571650683879852},{"word":"beautiful","start":2861.28,"end":2861.78,"confidence":0.99871063,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6929003596305847},{"word":"lovely","start":2864.0,"end":2864.5,"confidence":0.99886525,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.7279120683670044},{"word":"so","start":2864.72,"end":2864.96,"confidence":0.96836734,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5929328203201294},{"word":"i've","start":2864.96,"end":2865.2,"confidence":0.99331236,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.6276160478591919},{"word":"got","start":2865.2,"end":2865.52,"confidence":0.99880517,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.6092222332954407},{"word":"that","start":2865.52,"end":2865.76,"confidence":0.99960285,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5673160552978516},{"word":"for","start":2865.76,"end":2866.0,"confidence":0.9997913,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4812838137149811},{"word":"you","start":2866.0,"end":2866.5,"confidence":0.9997856,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4865986108779907},{"word":"beautiful","start":2866.88,"end":2867.38,"confidence":0.99979544,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6749835014343262},{"word":"well","start":2867.76,"end":2868.0,"confidence":0.99933743,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.3186416029930115},{"word":"i've","start":2868.0,"end":2868.24,"confidence":0.95360994,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2575386166572571},{"word":"basically","start":2868.24,"end":2868.64,"confidence":0.9769384,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.22562019526958463},{"word":"got","start":2868.64,"end":2868.88,"confidence":0.99661654,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.18104496598243713},{"word":"everything","start":2868.88,"end":2869.2,"confidence":0.999861,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.24011296033859253},{"word":"i","start":2869.2,"end":2869.28,"confidence":0.9993612,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1601441204547882},{"word":"need","start":2869.28,"end":2869.44,"confidence":0.9640058,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.21339115500450137},{"word":"at","start":2869.44,"end":2869.5999,"confidence":0.9988103,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15866537392139435},{"word":"the","start":2869.5999,"end":2869.68,"confidence":0.9988342,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17988072335720062},{"word":"moment","start":2869.68,"end":2870.0,"confidence":0.99987113,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.2320253998041153},{"word":"to","start":2870.0,"end":2870.16,"confidence":0.93182135,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.173115074634552},{"word":"kinda","start":2870.16,"end":2870.48,"confidence":0.9610648,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1491541862487793},{"word":"go","start":2870.48,"end":2870.64,"confidence":0.99890673,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17834994196891785},{"word":"back","start":2870.64,"end":2870.925,"confidence":0.9788978,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.19373819231987},{"word":"so","start":2870.925,"end":2871.0051,"confidence":0.9996884,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09456025063991548},{"word":"just","start":2871.0051,"end":2871.245,"confidence":0.9989421,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12198346108198166},{"word":"to","start":2871.245,"end":2871.325,"confidence":0.9953537,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.056257203221321106},{"word":"kind","start":2871.325,"end":2871.565,"confidence":0.985773,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08244626969099045},{"word":"of","start":2871.565,"end":2871.725,"confidence":0.9972288,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06408161669969559},{"word":"recap","start":2871.725,"end":2872.125,"confidence":0.9893788,"punctuated_word":"recap,","sentiment":"neutral","sentiment_score":0.07638455182313919},{"word":"we're","start":2872.125,"end":2872.2852,"confidence":0.9993558,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10064902156591415},{"word":"gonna","start":2872.2852,"end":2872.5251,"confidence":0.999348,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11880894005298616},{"word":"look","start":2872.5251,"end":2872.685,"confidence":0.9990163,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08927834779024124},{"word":"at","start":2872.685,"end":2872.7651,"confidence":0.99868804,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09476938843727112},{"word":"the","start":2872.7651,"end":2872.925,"confidence":0.937258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11754891276359558},{"word":"super","start":2872.925,"end":2873.405,"confidence":0.8773731,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.17594358325004578},{"word":"i'll","start":2873.405,"end":2873.565,"confidence":0.9995867,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11733603477478027},{"word":"look","start":2873.565,"end":2873.645,"confidence":0.99952507,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11690539866685867},{"word":"at","start":2873.645,"end":2874.145,"confidence":0.9983199,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1523364782333374},{"word":"where","start":2874.205,"end":2874.5251,"confidence":0.996606,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.12675462663173676},{"word":"you're","start":2874.5251,"end":2874.685,"confidence":0.9953537,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12460020184516908},{"word":"in","start":2874.685,"end":2874.845,"confidence":0.9983765,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1307169795036316},{"word":"at","start":2874.845,"end":2875.0051,"confidence":0.9942773,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13309647142887115},{"word":"the","start":2875.0051,"end":2875.085,"confidence":0.99938357,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15750296413898468},{"word":"moment","start":2875.085,"end":2875.405,"confidence":0.99994075,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.15650911629199982},{"word":"with","start":2875.405,"end":2875.565,"confidence":0.9989472,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20714908838272095},{"word":"netwealth","start":2875.565,"end":2876.0452,"confidence":0.91066724,"punctuated_word":"Netwealth.","sentiment":"neutral","sentiment_score":0.15960805118083954},{"word":"i'll","start":2876.0452,"end":2876.205,"confidence":0.9856281,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14243179559707642},{"word":"also","start":2876.205,"end":2876.5251,"confidence":0.9990171,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12908974289894104},{"word":"look","start":2876.5251,"end":2876.7651,"confidence":0.99941814,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09711538255214693},{"word":"at","start":2876.7651,"end":2876.925,"confidence":0.9991247,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1333787441253662},{"word":"the","start":2876.925,"end":2877.0051,"confidence":0.9991442,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14395922422409058},{"word":"other","start":2877.0051,"end":2877.245,"confidence":0.9999478,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.12396344542503356},{"word":"options","start":2877.245,"end":2877.745,"confidence":0.99967086,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.13073064386844635},{"word":"i'll","start":2877.965,"end":2878.205,"confidence":0.86870205,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2424071729183197},{"word":"try","start":2878.205,"end":2878.445,"confidence":0.9993907,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.2749071717262268},{"word":"to","start":2878.445,"end":2878.5251,"confidence":0.9982205,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2892155647277832},{"word":"keep","start":2878.5251,"end":2878.7651,"confidence":0.9957852,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.3004453778266907},{"word":"you","start":2878.7651,"end":2878.925,"confidence":0.9107041,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36436036229133606},{"word":"in","start":2878.925,"end":2879.0051,"confidence":0.96244246,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.36177435517311096},{"word":"that","start":2879.0051,"end":2879.165,"confidence":0.9719415,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34361332654953003},{"word":"balanced","start":2879.165,"end":2879.645,"confidence":0.8541146,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.25420936942100525},{"word":"growth","start":2879.645,"end":2880.0452,"confidence":0.959324,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.31263184547424316},{"word":"environment","start":2880.0452,"end":2880.5452,"confidence":0.95423865,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.41276463866233826},{"word":"for","start":2880.685,"end":2880.845,"confidence":0.99969137,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26668450236320496},{"word":"you","start":2880.845,"end":2881.325,"confidence":0.9966924,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.188734769821167},{"word":"as","start":2881.325,"end":2881.565,"confidence":0.99113584,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.015305861830711365},{"word":"a","start":2881.565,"end":2881.645,"confidence":0.8854215,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.009236179292201996},{"word":"worst","start":2881.645,"end":2881.885,"confidence":0.97329754,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.09476752579212187},{"word":"case","start":2881.885,"end":2882.125,"confidence":0.9989567,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":-0.03775198012590408},{"word":"we","start":2882.125,"end":2882.205,"confidence":0.99985075,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00469469279050827},{"word":"could","start":2882.205,"end":2882.365,"confidence":0.9988673,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.09305480867624284},{"word":"always","start":2882.365,"end":2882.685,"confidence":0.9994918,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.11134862154722214},{"word":"look","start":2882.685,"end":2882.845,"confidence":0.99006873,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.14305244386196136},{"word":"to","start":2882.845,"end":2883.085,"confidence":0.99628615,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1228075996041298},{"word":"increase","start":2883.085,"end":2883.485,"confidence":0.9981042,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.08811916410923004},{"word":"the","start":2883.485,"end":2883.645,"confidence":0.9862196,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1134250983595848},{"word":"risk","start":2883.645,"end":2883.885,"confidence":0.9697037,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1147799715399742},{"word":"down","start":2883.885,"end":2884.125,"confidence":0.9980591,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1079174503684044},{"word":"the","start":2884.125,"end":2884.205,"confidence":0.9967595,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11789975315332411},{"word":"track","start":2884.205,"end":2884.5251,"confidence":0.98036057,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.07807577401399612},{"word":"there","start":2884.5251,"end":2884.92,"confidence":0.9986559,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.0841190293431282},{"word":"we'll","start":2885.0,"end":2885.16,"confidence":0.99899936,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.037735261023044586},{"word":"look","start":2885.16,"end":2885.3198,"confidence":0.9998355,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.008985117077827454},{"word":"at","start":2885.3198,"end":2885.4,"confidence":0.999629,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0022653937339782715},{"word":"removing","start":2885.4,"end":2885.9,"confidence":0.9998149,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.0040162913501262665},{"word":"the","start":2886.1199,"end":2886.28,"confidence":0.9996369,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09442513436079024},{"word":"underperforming","start":2886.28,"end":2886.78,"confidence":0.9940009,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.1269005537033081},{"word":"investment","start":2887.16,"end":2887.64,"confidence":0.5282762,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.11822829395532608},{"word":"for","start":2887.64,"end":2887.7998,"confidence":0.99016565,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05094622075557709},{"word":"you","start":2887.7998,"end":2888.04,"confidence":0.83453965,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.01131594181060791},{"word":"replace","start":2888.04,"end":2888.44,"confidence":0.87619174,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.0289364755153656},{"word":"it","start":2888.44,"end":2888.5999,"confidence":0.9510701,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03238590806722641},{"word":"with","start":2888.5999,"end":2888.76,"confidence":0.9100319,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.007835611701011658},{"word":"something","start":2888.76,"end":2889.0798,"confidence":0.9993618,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.03216803818941116},{"word":"hopefully","start":2889.0798,"end":2889.48,"confidence":0.51897067,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.11531615257263184},{"word":"lower","start":2889.48,"end":2889.88,"confidence":0.9707035,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.07118313759565353},{"word":"cost","start":2889.88,"end":2890.38,"confidence":0.9958685,"punctuated_word":"cost.","sentiment":"neutral","sentiment_score":0.03589819371700287},{"word":"i","start":2890.76,"end":2890.92,"confidence":0.5574214,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0903204306960106},{"word":"can","start":2890.92,"end":2891.16,"confidence":0.99976844,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10675451159477234},{"word":"also","start":2891.16,"end":2891.48,"confidence":0.9994935,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11782179772853851},{"word":"look","start":2891.48,"end":2891.72,"confidence":0.99961805,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05813121795654297},{"word":"at","start":2891.72,"end":2891.88,"confidence":0.9998374,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.056965772062540054},{"word":"other","start":2891.88,"end":2892.3599,"confidence":0.9994892,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06713507324457169},{"word":"investment","start":2892.3599,"end":2892.8599,"confidence":0.99861085,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04127136617898941},{"word":"profiles","start":2892.92,"end":2893.4,"confidence":0.9977723,"punctuated_word":"profiles","sentiment":"neutral","sentiment_score":0.10441410541534424},{"word":"or","start":2893.4,"end":2893.64,"confidence":0.9967438,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13081404566764832},{"word":"portfolios","start":2893.64,"end":2894.14,"confidence":0.9931064,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.10696180164813995},{"word":"that","start":2894.28,"end":2894.5999,"confidence":0.99877423,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15329518914222717},{"word":"might","start":2894.5999,"end":2895.0,"confidence":0.99968874,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.17902465164661407},{"word":"sort","start":2895.0,"end":2895.16,"confidence":0.89802927,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12027967721223833},{"word":"of","start":2895.16,"end":2895.3198,"confidence":0.99914896,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1420106291770935},{"word":"if","start":2895.4,"end":2895.5598,"confidence":0.9992478,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17457236349582672},{"word":"it","start":2895.5598,"end":2895.72,"confidence":0.9995881,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16482344269752502},{"word":"provides","start":2895.72,"end":2896.1199,"confidence":0.99937963,"punctuated_word":"provides","sentiment":"neutral","sentiment_score":0.17562536895275116},{"word":"greater","start":2896.1199,"end":2896.52,"confidence":0.9911971,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.10974173247814178},{"word":"benefit","start":2896.52,"end":2897.02,"confidence":0.90859675,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":0.18203064799308777},{"word":"has","start":2898.335,"end":2898.655,"confidence":0.9824163,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1528356373310089},{"word":"maybe","start":2898.655,"end":2899.055,"confidence":0.9436327,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.17300499975681305},{"word":"an","start":2899.055,"end":2899.2148,"confidence":0.98543555,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15031030774116516},{"word":"option","start":2899.2148,"end":2899.535,"confidence":0.9994784,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.11795426905155182},{"word":"where","start":2899.535,"end":2899.775,"confidence":0.99774975,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.1265106052160263},{"word":"we","start":2899.775,"end":2899.9348,"confidence":0.99963725,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11985842883586884},{"word":"can","start":2899.9348,"end":2900.255,"confidence":0.9998128,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12977895140647888},{"word":"be","start":2900.255,"end":2900.4949,"confidence":0.9991903,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12589967250823977},{"word":"maneuvering","start":2900.4949,"end":2900.9949,"confidence":0.9986252,"punctuated_word":"maneuvering","sentiment":"neutral","sentiment_score":0.11174800992012024},{"word":"investments","start":2901.2148,"end":2901.7148,"confidence":0.99676454,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.04221411049365997},{"word":"for","start":2901.775,"end":2901.9348,"confidence":0.99977654,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06423685699701309},{"word":"you","start":2901.9348,"end":2902.1748,"confidence":0.9998661,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0716782957315445},{"word":"if","start":2902.1748,"end":2902.335,"confidence":0.9356849,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04418836534023285},{"word":"they're","start":2902.335,"end":2902.575,"confidence":0.9945503,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.02969709411263466},{"word":"underperforming","start":2902.575,"end":2903.075,"confidence":0.9542901,"punctuated_word":"underperforming.","sentiment":"neutral","sentiment_score":-0.003974802792072296},{"word":"would","start":2903.295,"end":2903.4548,"confidence":0.9997739,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.07684662938117981},{"word":"you","start":2903.4548,"end":2903.615,"confidence":0.9996555,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08378434181213379},{"word":"like","start":2903.615,"end":2903.775,"confidence":0.9998553,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10242079198360445},{"word":"me","start":2903.775,"end":2903.855,"confidence":0.9995784,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.113717682659626},{"word":"to","start":2903.855,"end":2903.9348,"confidence":0.9989955,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07118427753448486},{"word":"look","start":2903.9348,"end":2904.1748,"confidence":0.9997335,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04765021800994873},{"word":"at","start":2904.1748,"end":2904.335,"confidence":0.9982963,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06132252514362335},{"word":"alternative","start":2904.335,"end":2904.815,"confidence":0.9553844,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.06055949628353119},{"word":"investment","start":2904.815,"end":2905.315,"confidence":0.98931944,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.022210121154785156},{"word":"portfolios","start":2905.375,"end":2905.875,"confidence":0.9927013,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.054074726998806},{"word":"like","start":2905.9348,"end":2906.1748,"confidence":0.9983627,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.12813730537891388},{"word":"that","start":2906.1748,"end":2906.335,"confidence":0.99993193,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11219632625579834},{"word":"for","start":2906.335,"end":2906.4949,"confidence":0.9998504,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0762656182050705},{"word":"you","start":2906.4949,"end":2906.9949,"confidence":0.999658,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.07575542479753494},{"word":"yeah","start":2909.295,"end":2909.67,"confidence":0.95815384,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19588130712509155},{"word":"all","start":2910.5498,"end":2910.79,"confidence":0.92773813,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.41452693939208984},{"word":"good","start":2910.79,"end":2911.29,"confidence":0.99914134,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.32380160689353943},{"word":"the","start":2912.39,"end":2912.63,"confidence":0.37369823,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07719384878873825},{"word":"other","start":2912.63,"end":2912.79,"confidence":0.9942179,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.012381799519062042},{"word":"thing","start":2912.79,"end":2913.03,"confidence":0.9978764,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.028635546565055847},{"word":"i","start":2913.03,"end":2913.1099,"confidence":0.98749477,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005007945001125336},{"word":"just","start":2913.1099,"end":2913.3499,"confidence":0.9618493,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.015980876982212067},{"word":"said","start":2913.3499,"end":2913.51,"confidence":0.71514666,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.011510781943798063},{"word":"of","start":2913.51,"end":2913.5898,"confidence":0.36458012,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03072178363800049},{"word":"i","start":2913.67,"end":2913.75,"confidence":0.7676444,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03139396011829376},{"word":"had","start":2913.75,"end":2913.91,"confidence":0.9071066,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.004669219255447388},{"word":"a","start":2913.91,"end":2913.99,"confidence":0.47967213,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007865846157073975},{"word":"wanted","start":2914.0698,"end":2914.3098,"confidence":0.9871013,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.014646753668785095},{"word":"to","start":2914.3098,"end":2914.39,"confidence":0.9991817,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010362088680267334},{"word":"have","start":2914.39,"end":2914.4697,"confidence":0.9990589,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005784861743450165},{"word":"a","start":2914.4697,"end":2914.5498,"confidence":0.9959376,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005593974143266678},{"word":"look","start":2914.5498,"end":2914.71,"confidence":0.9998293,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0015763342380523682},{"word":"at","start":2914.71,"end":2914.8699,"confidence":0.99858093,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02096400409936905},{"word":"is","start":2914.8699,"end":2915.1099,"confidence":0.43396804,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0210765078663826},{"word":"you","start":2915.1099,"end":2915.27,"confidence":0.7919516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025515414774417877},{"word":"don't","start":2915.27,"end":2915.51,"confidence":0.99978375,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.036265574395656586},{"word":"have","start":2915.51,"end":2915.67,"confidence":0.9992169,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06407006084918976},{"word":"any","start":2915.67,"end":2915.91,"confidence":0.99821186,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.08864713460206985},{"word":"insurances","start":2915.91,"end":2916.41,"confidence":0.88096577,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.07225903868675232},{"word":"now","start":2916.47,"end":2916.5898,"confidence":0.6705552,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.03361240029335022},{"word":"i","start":2916.5898,"end":2916.71,"confidence":0.8614497,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02445148676633835},{"word":"know","start":2916.71,"end":2916.8699,"confidence":0.99967086,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05657670646905899},{"word":"you","start":2916.8699,"end":2917.1099,"confidence":0.99763787,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02458713948726654},{"word":"are","start":2917.1099,"end":2917.3499,"confidence":0.99889344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.015915729105472565},{"word":"60","start":2917.3499,"end":2917.75,"confidence":0.76620317,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.006357528269290924},{"word":"so","start":2917.75,"end":2918.23,"confidence":0.923473,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.006540808826684952},{"word":"realistically","start":2918.23,"end":2918.73,"confidence":0.9997679,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.018916171044111252},{"word":"if","start":2919.03,"end":2919.19,"confidence":0.9998385,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.019468434154987335},{"word":"you","start":2919.19,"end":2919.3499,"confidence":0.99986005,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.021334774792194366},{"word":"were","start":2919.3499,"end":2919.5898,"confidence":0.99885154,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.03274668753147125},{"word":"to","start":2919.5898,"end":2919.75,"confidence":0.9997657,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05773915350437164},{"word":"pass","start":2919.75,"end":2919.99,"confidence":0.9990369,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.1728835254907608},{"word":"away","start":2919.99,"end":2920.39,"confidence":0.998028,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.040444515645504},{"word":"i","start":2920.39,"end":2920.5498,"confidence":0.99988437,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11086881160736084},{"word":"can","start":2920.5498,"end":2920.79,"confidence":0.9999014,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1024755984544754},{"word":"see","start":2920.79,"end":2920.95,"confidence":0.9990883,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08772650361061096},{"word":"here","start":2920.95,"end":2921.27,"confidence":0.9993099,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1035943552851677},{"word":"that","start":2921.27,"end":2921.5898,"confidence":0.9998505,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04342485964298248},{"word":"your","start":2921.5898,"end":2921.8298,"confidence":0.962041,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1029948815703392},{"word":"super","start":2921.8298,"end":2922.23,"confidence":0.9558775,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.26734659075737},{"word":"balance","start":2922.23,"end":2922.5498,"confidence":0.9658849,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.23290759325027463},{"word":"will","start":2922.5498,"end":2922.71,"confidence":0.71588635,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.13343483209609985},{"word":"be","start":2922.71,"end":2922.8699,"confidence":0.9994011,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15465402603149414},{"word":"paid","start":2922.8699,"end":2923.1099,"confidence":0.9990866,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.1261885166168213},{"word":"out","start":2923.1099,"end":2923.3499,"confidence":0.73711216,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1912766993045807},{"word":"as","start":2923.3499,"end":2923.51,"confidence":0.9934282,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18213415145874023},{"word":"a","start":2923.51,"end":2923.67,"confidence":0.99541426,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16195668280124664},{"word":"benefit","start":2923.67,"end":2924.15,"confidence":0.99973816,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.14695271849632263},{"word":"there","start":2924.15,"end":2924.565,"confidence":0.9076806,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.0111051294952631},{"word":"but","start":2924.885,"end":2925.045,"confidence":0.9941301,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05133969709277153},{"word":"you","start":2925.045,"end":2925.2048,"confidence":0.9994265,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17209580540657043},{"word":"don't","start":2925.2048,"end":2925.525,"confidence":0.9999699,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13021022081375122},{"word":"have","start":2925.525,"end":2925.765,"confidence":0.9999256,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12551340460777283},{"word":"any","start":2925.765,"end":2926.085,"confidence":0.9999062,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1553090214729309},{"word":"personal","start":2926.085,"end":2926.4849,"confidence":0.99622923,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.1403501033782959},{"word":"insurances","start":2926.4849,"end":2926.9849,"confidence":0.8562519,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.12375163286924362},{"word":"the","start":2927.285,"end":2927.525,"confidence":0.91559476,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09187737107276917},{"word":"life","start":2927.525,"end":2927.925,"confidence":0.89231086,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.09234002977609634},{"word":"tpd","start":2927.925,"end":2928.425,"confidence":0.8149928,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.08244428038597107},{"word":"income","start":2928.645,"end":2929.045,"confidence":0.8723686,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.13096310198307037},{"word":"protection","start":2929.045,"end":2929.545,"confidence":0.94447786,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.09761997312307358},{"word":"in","start":2930.405,"end":2930.645,"confidence":0.95006496,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.04093112424015999},{"word":"the","start":2930.645,"end":2930.7249,"confidence":0.99987197,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024303503334522247},{"word":"event","start":2930.7249,"end":2931.2048,"confidence":0.953892,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.034891657531261444},{"word":"of","start":2931.2048,"end":2931.525,"confidence":0.9777781,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.06256017088890076},{"word":"say","start":2931.525,"end":2931.845,"confidence":0.9924017,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.0405576266348362},{"word":"a","start":2931.845,"end":2932.005,"confidence":0.9977295,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.042417190968990326},{"word":"tpd","start":2932.005,"end":2932.505,"confidence":0.99428,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.032538287341594696},{"word":"claim","start":2932.645,"end":2933.145,"confidence":0.99865115,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":-0.025848062708973885},{"word":"we","start":2933.605,"end":2933.765,"confidence":0.99698836,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.039746008813381195},{"word":"can","start":2933.765,"end":2934.085,"confidence":0.99991155,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0015422776341438291},{"word":"be","start":2934.085,"end":2934.2449,"confidence":0.99569964,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.035931527614593506},{"word":"giving","start":2934.2449,"end":2934.565,"confidence":0.55443126,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":-0.02839021384716034},{"word":"your","start":2934.565,"end":2934.805,"confidence":0.883594,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01062389463186264},{"word":"age","start":2934.805,"end":2935.125,"confidence":0.85363275,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.015033841133117676},{"word":"access","start":2935.125,"end":2935.605,"confidence":0.85063505,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.050793856382369995},{"word":"super","start":2935.605,"end":2935.925,"confidence":0.53287494,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.030275724828243256},{"word":"under","start":2935.925,"end":2936.2449,"confidence":0.9533003,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.01153523474931717},{"word":"permanent","start":2936.2449,"end":2936.7249,"confidence":0.98859006,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.10650902986526488},{"word":"incapacity","start":2936.7249,"end":2937.2249,"confidence":0.755679,"punctuated_word":"incapacity","sentiment":"neutral","sentiment_score":-0.14538946747779846},{"word":"so","start":2937.285,"end":2937.4448,"confidence":0.48922518,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0579206719994545},{"word":"you","start":2937.4448,"end":2937.605,"confidence":0.99880123,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.060014016926288605},{"word":"can","start":2937.605,"end":2937.845,"confidence":0.9997931,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.034481726586818695},{"word":"make","start":2937.845,"end":2938.005,"confidence":0.9940295,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.0470237135887146},{"word":"a","start":2938.005,"end":2938.085,"confidence":0.99387074,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03791188448667526},{"word":"claim","start":2938.085,"end":2938.405,"confidence":0.99983585,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.009934931993484495},{"word":"on","start":2938.405,"end":2938.645,"confidence":0.9926306,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05122923851013184},{"word":"super","start":2938.645,"end":2939.045,"confidence":0.98364455,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0232306644320488},{"word":"that","start":2939.045,"end":2939.2048,"confidence":0.911665,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05526062846183777},{"word":"way","start":2939.2048,"end":2939.7,"confidence":0.9359673,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.0865839421749115},{"word":"if","start":2940.02,"end":2940.18,"confidence":0.9877592,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.13505813479423523},{"word":"you","start":2940.18,"end":2940.42,"confidence":0.99988484,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1495474874973297},{"word":"were","start":2940.42,"end":2940.66,"confidence":0.99770087,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.13970769941806793},{"word":"to","start":2940.66,"end":2940.82,"confidence":0.99939096,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17568986117839813},{"word":"pass","start":2940.82,"end":2941.06,"confidence":0.998779,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.2877751588821411},{"word":"away","start":2941.06,"end":2941.56,"confidence":0.9969427,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.18797029554843905},{"word":"the","start":2942.02,"end":2942.18,"confidence":0.97626674,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1704653799533844},{"word":"last","start":2942.18,"end":2942.5798,"confidence":0.7884777,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.14611825346946716},{"word":"benefit","start":2942.5798,"end":2943.06,"confidence":0.9983088,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.11495949327945708},{"word":"would","start":2943.06,"end":2943.3,"confidence":0.999464,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10544700920581818},{"word":"just","start":2943.3,"end":2943.54,"confidence":0.9962159,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12114530056715012},{"word":"be","start":2943.54,"end":2943.7,"confidence":0.99897206,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12856513261795044},{"word":"paid","start":2943.7,"end":2943.94,"confidence":0.9995994,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.12499283254146576},{"word":"out","start":2943.94,"end":2944.3398,"confidence":0.9979469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11761481314897536},{"word":"of","start":2944.3398,"end":2944.5798,"confidence":0.99529344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1296817660331726},{"word":"your","start":2944.5798,"end":2944.82,"confidence":0.9998673,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09739251434803008},{"word":"super","start":2944.82,"end":2944.98,"confidence":0.9951716,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.07485278695821762},{"word":"balance","start":2944.98,"end":2945.38,"confidence":0.75940657,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":-0.10499809682369232},{"word":"so","start":2945.38,"end":2945.6199,"confidence":0.9991743,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.023874033242464066},{"word":"whatever","start":2945.6199,"end":2945.8599,"confidence":0.9285215,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.006439961493015289},{"word":"your","start":2945.8599,"end":2946.0999,"confidence":0.9754263,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0259198397397995},{"word":"super","start":2946.0999,"end":2946.26,"confidence":0.95780617,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.00722222775220871},{"word":"balance","start":2946.26,"end":2946.5798,"confidence":0.8586362,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.022557459771633148},{"word":"is","start":2946.5798,"end":2946.74,"confidence":0.9780238,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00022751837968826297},{"word":"paid","start":2946.74,"end":2946.98,"confidence":0.9530577,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.012390293180942535},{"word":"out","start":2946.98,"end":2947.14,"confidence":0.9194036,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.013030655682086945},{"word":"to","start":2947.14,"end":2947.22,"confidence":0.965256,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0008135735988616943},{"word":"your","start":2947.22,"end":2947.46,"confidence":0.9990501,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.009267330169677734},{"word":"beneficiary","start":2947.46,"end":2947.96,"confidence":0.9992341,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.07035671174526215},{"word":"there","start":2948.0999,"end":2948.3398,"confidence":0.9995766,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.01723487675189972},{"word":"as","start":2948.3398,"end":2948.5,"confidence":0.99985564,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.006498090922832489},{"word":"well","start":2948.5,"end":2949.0,"confidence":0.9742099,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.03026442416012287},{"word":"but","start":2949.7,"end":2949.94,"confidence":0.9659851,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02608649432659149},{"word":"in","start":2949.94,"end":2950.0999,"confidence":0.9991147,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04845602065324783},{"word":"the","start":2950.0999,"end":2950.26,"confidence":0.99955255,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06670832633972168},{"word":"event","start":2950.26,"end":2950.66,"confidence":0.9977914,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.06807108223438263},{"word":"of","start":2950.66,"end":2950.82,"confidence":0.9900596,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13654547929763794},{"word":"not","start":2950.82,"end":2950.98,"confidence":0.99968696,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.19336821138858795},{"word":"being","start":2950.98,"end":2951.14,"confidence":0.9702764,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.1897855699062347},{"word":"able","start":2951.14,"end":2951.38,"confidence":0.9986797,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.2282374203205109},{"word":"to","start":2951.38,"end":2951.46,"confidence":0.9976767,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2487485110759735},{"word":"work","start":2951.46,"end":2951.6199,"confidence":0.9998072,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.21918624639511108},{"word":"in","start":2951.6199,"end":2951.78,"confidence":0.9995906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.26720356941223145},{"word":"the","start":2951.78,"end":2951.94,"confidence":0.9799461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22718235850334167},{"word":"shorter","start":2951.94,"end":2952.26,"confidence":0.9890938,"punctuated_word":"shorter","sentiment":"neutral","sentiment_score":-0.1750092655420303},{"word":"term","start":2952.26,"end":2952.5,"confidence":0.998909,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.1849038302898407},{"word":"we","start":2952.5,"end":2952.66,"confidence":0.9999193,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2506990134716034},{"word":"would","start":2952.66,"end":2952.82,"confidence":0.99987555,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.20538032054901123},{"word":"again","start":2952.82,"end":2953.14,"confidence":0.81513596,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.24450364708900452},{"word":"have","start":2953.14,"end":2953.38,"confidence":0.9970009,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.24458280205726624},{"word":"to","start":2953.38,"end":2953.46,"confidence":0.9985801,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.29426902532577515},{"word":"try","start":2953.46,"end":2953.6199,"confidence":0.99970526,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.25342363119125366},{"word":"and","start":2953.6199,"end":2953.8599,"confidence":0.9970367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24278895556926727},{"word":"access","start":2953.8599,"end":2954.3398,"confidence":0.99959,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.2402440905570984},{"word":"super","start":2954.3398,"end":2954.8398,"confidence":0.98540807,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.12814022600650787},{"word":"and","start":2955.405,"end":2955.645,"confidence":0.994017,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.016440004110336304},{"word":"because","start":2955.645,"end":2955.965,"confidence":0.9866839,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04801442474126816},{"word":"you","start":2955.965,"end":2956.125,"confidence":0.99984443,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004276089370250702},{"word":"are","start":2956.125,"end":2956.365,"confidence":0.998466,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.015542127192020416},{"word":"60","start":2956.365,"end":2956.865,"confidence":0.99738514,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.006680481135845184},{"word":"if","start":2957.0051,"end":2957.245,"confidence":0.9991303,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02693570777773857},{"word":"you","start":2957.245,"end":2957.405,"confidence":0.9996865,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06807341426610947},{"word":"were","start":2957.405,"end":2957.725,"confidence":0.9993499,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.10464505106210709},{"word":"not","start":2957.725,"end":2957.965,"confidence":0.99987006,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09479152411222458},{"word":"working","start":2957.965,"end":2958.445,"confidence":0.9950942,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.09813007712364195},{"word":"we","start":2958.445,"end":2958.605,"confidence":0.9997658,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.005133107304573059},{"word":"could","start":2958.605,"end":2958.925,"confidence":0.9994753,"punctuated_word":"could,","sentiment":"neutral","sentiment_score":0.0024962499737739563},{"word":"you","start":2958.925,"end":2959.0051,"confidence":0.9999298,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02527831494808197},{"word":"know","start":2959.0051,"end":2959.485,"confidence":0.999869,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0008260011672973633},{"word":"access","start":2959.485,"end":2959.885,"confidence":0.9998783,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.010898560285568236},{"word":"super","start":2959.885,"end":2960.205,"confidence":0.9962548,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12000542879104614},{"word":"under","start":2960.205,"end":2960.445,"confidence":0.99747026,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.16472935676574707},{"word":"that","start":2960.445,"end":2960.685,"confidence":0.9998324,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.048620447516441345},{"word":"sort","start":2960.685,"end":2960.845,"confidence":0.9916819,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.003914549946784973},{"word":"of","start":2960.845,"end":2961.085,"confidence":0.9995024,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0383111909031868},{"word":"benefit","start":2961.085,"end":2961.485,"confidence":0.6801808,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.07720163464546204},{"word":"and","start":2961.485,"end":2961.645,"confidence":0.99206865,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11812087893486024},{"word":"give","start":2961.645,"end":2961.885,"confidence":0.99968493,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09941991418600082},{"word":"you","start":2961.885,"end":2962.0452,"confidence":0.99985695,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0787026435136795},{"word":"some","start":2962.0452,"end":2962.205,"confidence":0.9996619,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.060613930225372314},{"word":"money","start":2962.205,"end":2962.5251,"confidence":0.9999335,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.07975370436906815},{"word":"out","start":2962.5251,"end":2962.685,"confidence":0.999775,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.047774963080883026},{"word":"of","start":2962.685,"end":2962.7651,"confidence":0.9981336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04878278821706772},{"word":"there","start":2962.7651,"end":2963.2651,"confidence":0.9715026,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.07004022598266602},{"word":"but","start":2963.405,"end":2963.645,"confidence":0.97304034,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.008762940764427185},{"word":"are","start":2963.645,"end":2963.725,"confidence":0.9959571,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0770382285118103},{"word":"you","start":2963.725,"end":2963.885,"confidence":0.9995389,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13709595799446106},{"word":"comfortable","start":2963.885,"end":2964.385,"confidence":0.9989654,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.13651074469089508},{"word":"not","start":2964.5251,"end":2964.685,"confidence":0.99940443,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1267225444316864},{"word":"having","start":2964.685,"end":2965.165,"confidence":0.9997104,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.15080085396766665},{"word":"insurances","start":2965.165,"end":2965.665,"confidence":0.9979523,"punctuated_word":"insurances?","sentiment":"neutral","sentiment_score":-0.15092921257019043},{"word":"are","start":2966.0452,"end":2966.2852,"confidence":0.99966156,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.06323841214179993},{"word":"you","start":2966.2852,"end":2966.5251,"confidence":0.99972767,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17100371420383453},{"word":"happy","start":2966.5251,"end":2966.845,"confidence":0.9998411,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.11965125054121016},{"word":"to","start":2966.845,"end":2967.085,"confidence":0.99970895,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1598915010690689},{"word":"sort","start":2967.085,"end":2967.245,"confidence":0.9798034,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.10068319737911224},{"word":"of","start":2967.245,"end":2967.48,"confidence":0.99918073,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11967405676841736},{"word":"continue","start":2967.72,"end":2967.96,"confidence":0.9998024,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":-0.09677635133266448},{"word":"that","start":2967.96,"end":2968.28,"confidence":0.99954957,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0578765869140625},{"word":"way","start":2968.28,"end":2968.68,"confidence":0.9994469,"punctuated_word":"way?","sentiment":"neutral","sentiment_score":-0.028206422924995422},{"word":"what's","start":2968.68,"end":2969.0,"confidence":0.9988471,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.05573341250419617},{"word":"your","start":2969.0,"end":2969.16,"confidence":0.99922144,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.056208547204732895},{"word":"thoughts","start":2969.16,"end":2969.48,"confidence":0.9988709,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.09681086242198944},{"word":"around","start":2969.48,"end":2969.72,"confidence":0.99804026,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.08417415618896484},{"word":"the","start":2969.72,"end":2969.88,"confidence":0.9990055,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07226747274398804},{"word":"personal","start":2969.88,"end":2970.28,"confidence":0.9959566,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.08817461133003235},{"word":"insurance","start":2970.28,"end":2970.76,"confidence":0.99800974,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.07493926584720612},{"word":"side","start":2970.76,"end":2970.92,"confidence":0.9954218,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.05662225931882858},{"word":"of","start":2970.92,"end":2971.0,"confidence":0.99858224,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03651268780231476},{"word":"things","start":2971.0,"end":2971.5,"confidence":0.9933545,"punctuated_word":"things?","sentiment":"neutral","sentiment_score":-0.03809090703725815},{"word":"yeah","start":2979.56,"end":2980.06,"confidence":0.9906187,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.26697275042533875},{"word":"yeah","start":2984.395,"end":2984.875,"confidence":0.99894977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13057579100131989},{"word":"i","start":2984.875,"end":2985.035,"confidence":0.992648,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12763994932174683},{"word":"mean","start":2985.035,"end":2985.275,"confidence":0.99481225,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.09428153932094574},{"word":"given","start":2985.275,"end":2985.5151,"confidence":0.9984596,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.09327035397291183},{"word":"your","start":2985.5151,"end":2985.7551,"confidence":0.99221206,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14641277492046356},{"word":"age","start":2985.7551,"end":2985.995,"confidence":0.99981564,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.1203118935227394},{"word":"because","start":2985.995,"end":2986.315,"confidence":0.8135337,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09916046261787416},{"word":"you","start":2986.315,"end":2986.475,"confidence":0.9998468,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12944121658802032},{"word":"are","start":2986.475,"end":2986.635,"confidence":0.99953103,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09664618968963624},{"word":"60","start":2986.635,"end":2987.035,"confidence":0.9995074,"punctuated_word":"60","sentiment":"neutral","sentiment_score":-0.09061424434185028},{"word":"look","start":2987.115,"end":2987.435,"confidence":0.91212636,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.0867730975151062},{"word":"and","start":2987.435,"end":2987.595,"confidence":0.9884326,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06457658857107162},{"word":"the","start":2987.595,"end":2987.675,"confidence":0.9985941,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09155384451150894},{"word":"realistic","start":2987.675,"end":2988.155,"confidence":0.99770015,"punctuated_word":"realistic","sentiment":"neutral","sentiment_score":-0.13968785107135773},{"word":"view","start":2988.155,"end":2988.395,"confidence":0.9881108,"punctuated_word":"view","sentiment":"neutral","sentiment_score":-0.1651071012020111},{"word":"is","start":2988.395,"end":2988.715,"confidence":0.9988513,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10188613831996918},{"word":"if","start":2988.715,"end":2988.795,"confidence":0.8413959,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.16273312270641327},{"word":"you","start":2988.795,"end":2988.955,"confidence":0.999879,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2281922996044159},{"word":"are","start":2988.955,"end":2989.195,"confidence":0.9997018,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.22617261111736295},{"word":"not","start":2989.195,"end":2989.435,"confidence":0.9998951,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24796056747436523},{"word":"working","start":2989.435,"end":2989.935,"confidence":0.9503578,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.25350549817085266},{"word":"if","start":2990.235,"end":2990.395,"confidence":0.71524584,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2582187056541443},{"word":"you","start":2990.395,"end":2990.555,"confidence":0.999744,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.33304259181022644},{"word":"stop","start":2990.555,"end":2990.875,"confidence":0.9134974,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.2917288839817047},{"word":"working","start":2990.875,"end":2991.195,"confidence":0.9999014,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.2874293029308319},{"word":"due","start":2991.195,"end":2991.435,"confidence":0.9910033,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.29358237981796265},{"word":"to","start":2991.435,"end":2991.675,"confidence":0.9971059,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2912392020225525},{"word":"your","start":2991.675,"end":2991.915,"confidence":0.8264587,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3520362675189972},{"word":"illness","start":2991.915,"end":2992.395,"confidence":0.9856031,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.30979689955711365},{"word":"or","start":2992.395,"end":2992.635,"confidence":0.994284,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2760762870311737},{"word":"whatever","start":2992.635,"end":2993.135,"confidence":0.998346,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":-0.22858266532421112},{"word":"you","start":2993.73,"end":2993.89,"confidence":0.99431074,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.25057628750801086},{"word":"can","start":2993.89,"end":2994.37,"confidence":0.9998423,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2653465270996094},{"word":"access","start":2994.37,"end":2994.69,"confidence":0.99818134,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.25952601432800293},{"word":"it","start":2994.69,"end":2994.93,"confidence":0.5627566,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.16528266668319702},{"word":"if","start":2994.93,"end":2995.01,"confidence":0.5084532,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.17464549839496613},{"word":"you're","start":2995.01,"end":2995.25,"confidence":0.98760617,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1988675445318222},{"word":"over","start":2995.25,"end":2995.57,"confidence":0.99784327,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.27063238620758057},{"word":"60","start":2995.57,"end":2996.07,"confidence":0.97186893,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":-0.22511771321296692},{"word":"not","start":2996.13,"end":2996.37,"confidence":0.99934846,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2061808556318283},{"word":"working","start":2996.37,"end":2996.87,"confidence":0.9321001,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.22655808925628665},{"word":"or","start":2996.93,"end":2997.09,"confidence":0.9996921,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.29258912801742554},{"word":"dropping","start":2997.09,"end":2997.41,"confidence":0.99938726,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":-0.244493305683136},{"word":"it","start":2997.41,"end":2997.49,"confidence":0.46582305,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.2644161283969879},{"word":"you","start":2997.49,"end":2997.81,"confidence":0.47018936,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.1400085985660553},{"word":"know","start":2997.81,"end":2998.31,"confidence":0.65619946,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.1584814488887787},{"word":"ceasing","start":2998.45,"end":2998.95,"confidence":0.96384925,"punctuated_word":"Ceasing","sentiment":"negative","sentiment_score":-0.3575144112110138},{"word":"work","start":2999.01,"end":2999.33,"confidence":0.9968142,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.4092619717121124},{"word":"is","start":2999.33,"end":2999.83,"confidence":0.9996538,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.351021409034729},{"word":"essentially","start":3000.29,"end":3000.79,"confidence":0.85692626,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.31871581077575684},{"word":"the","start":3001.49,"end":3001.89,"confidence":0.9981534,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3494318723678589},{"word":"condition","start":3001.89,"end":3002.21,"confidence":0.99408466,"punctuated_word":"condition","sentiment":"neutral","sentiment_score":-0.3215937316417694},{"word":"of","start":3002.21,"end":3002.45,"confidence":0.9930599,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3279678523540497},{"word":"release","start":3002.45,"end":3002.69,"confidence":0.23642495,"punctuated_word":"release","sentiment":"neutral","sentiment_score":-0.30400949716567993},{"word":"to","start":3002.69,"end":3002.77,"confidence":0.99506724,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3308930993080139},{"word":"access","start":3002.77,"end":3003.17,"confidence":0.9995084,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.30355557799339294},{"word":"your","start":3003.17,"end":3003.41,"confidence":0.9834373,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2496047466993332},{"word":"super","start":3003.41,"end":3003.65,"confidence":0.8784828,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.21653133630752563},{"word":"so","start":3003.65,"end":3003.81,"confidence":0.99835974,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2117975503206253},{"word":"you","start":3003.81,"end":3003.97,"confidence":0.9993886,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2270016968250275},{"word":"could","start":3003.97,"end":3004.13,"confidence":0.99962485,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.2240757048130035},{"word":"do","start":3004.13,"end":3004.29,"confidence":0.99926835,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.3137771189212799},{"word":"so","start":3004.29,"end":3004.79,"confidence":0.9988735,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.2424868047237396},{"word":"permanent","start":3005.17,"end":3005.65,"confidence":0.99055326,"punctuated_word":"Permanent","sentiment":"neutral","sentiment_score":-0.23830273747444153},{"word":"incapacity","start":3005.65,"end":3006.15,"confidence":0.9010787,"punctuated_word":"incapacity,","sentiment":"neutral","sentiment_score":-0.265805721282959},{"word":"again","start":3006.29,"end":3006.53,"confidence":0.9978893,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.2186996191740036},{"word":"is","start":3006.53,"end":3006.69,"confidence":0.95691144,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1816601455211639},{"word":"the","start":3006.69,"end":3006.855,"confidence":0.9519152,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1926490068435669},{"word":"same","start":3006.855,"end":3007.095,"confidence":0.99762326,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.1847100853919983},{"word":"sort","start":3007.095,"end":3007.255,"confidence":0.98764324,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.21742264926433563},{"word":"of","start":3007.255,"end":3007.335,"confidence":0.97477937,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26551055908203125},{"word":"thing","start":3007.335,"end":3007.7349,"confidence":0.83819205,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.20569908618927},{"word":"claiming","start":3007.7349,"end":3008.055,"confidence":0.80696684,"punctuated_word":"Claiming","sentiment":"neutral","sentiment_score":-0.2477737069129944},{"word":"that","start":3008.055,"end":3008.215,"confidence":0.99880373,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2621915340423584},{"word":"against","start":3008.215,"end":3008.535,"confidence":0.99400795,"punctuated_word":"against","sentiment":"neutral","sentiment_score":-0.20761051774024963},{"word":"your","start":3008.535,"end":3008.695,"confidence":0.90269613,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.20576150715351105},{"word":"super","start":3008.695,"end":3009.015,"confidence":0.8541224,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.14915475249290466},{"word":"and","start":3009.015,"end":3009.175,"confidence":0.9992199,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1074628233909607},{"word":"that","start":3009.175,"end":3009.335,"confidence":0.99520373,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.046297475695610046},{"word":"provides","start":3009.335,"end":3009.7349,"confidence":0.9958176,"punctuated_word":"provides","sentiment":"neutral","sentiment_score":-0.050687022507190704},{"word":"the","start":3009.7349,"end":3009.895,"confidence":0.938009,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019530564546585083},{"word":"benefit","start":3009.895,"end":3010.295,"confidence":0.9833906,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.008906885981559753},{"word":"to","start":3010.295,"end":3010.455,"confidence":0.99924684,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12517160177230835},{"word":"you","start":3010.455,"end":3010.695,"confidence":0.99730444,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051754191517829895},{"word":"so","start":3010.695,"end":3010.855,"confidence":0.81010234,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.058822572231292725},{"word":"you","start":3010.855,"end":3010.935,"confidence":0.9993104,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034366458654403687},{"word":"can","start":3010.935,"end":3011.175,"confidence":0.9997131,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06493932008743286},{"word":"access","start":3011.175,"end":3011.4949,"confidence":0.9888919,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.004065781831741333},{"word":"your","start":3011.4949,"end":3011.7349,"confidence":0.9903555,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.005289480090141296},{"word":"super","start":3011.7349,"end":3012.055,"confidence":0.999338,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05514894425868988},{"word":"if","start":3012.055,"end":3012.215,"confidence":0.99767536,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12035105377435684},{"word":"you","start":3012.215,"end":3012.375,"confidence":0.9996859,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22027629613876343},{"word":"were","start":3012.375,"end":3012.875,"confidence":0.9937844,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.23466439545154572},{"word":"diagnosed","start":3013.175,"end":3013.655,"confidence":0.83202404,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.2246607542037964},{"word":"with","start":3013.655,"end":3013.815,"confidence":0.9718069,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.3354544937610626},{"word":"some","start":3013.815,"end":3013.975,"confidence":0.99692756,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.3101865351200104},{"word":"sort","start":3013.975,"end":3014.215,"confidence":0.99231637,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.27983689308166504},{"word":"of","start":3014.215,"end":3014.295,"confidence":0.97753155,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3034895956516266},{"word":"disability","start":3014.295,"end":3014.795,"confidence":0.9982881,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.2631067633628845},{"word":"that","start":3014.855,"end":3015.015,"confidence":0.9997286,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.25719696283340454},{"word":"stopped","start":3015.015,"end":3015.335,"confidence":0.77831286,"punctuated_word":"stopped","sentiment":"neutral","sentiment_score":-0.2580203115940094},{"word":"you","start":3015.335,"end":3015.4949,"confidence":0.9994655,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.25633907318115234},{"word":"from","start":3015.4949,"end":3015.7349,"confidence":0.9998066,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.26788032054901123},{"word":"working","start":3015.7349,"end":3016.2349,"confidence":0.98785675,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":-0.21969355642795563},{"word":"and","start":3016.775,"end":3017.015,"confidence":0.9495297,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07415787875652313},{"word":"if","start":3017.015,"end":3017.175,"confidence":0.9997031,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0622708760201931},{"word":"you","start":3017.175,"end":3017.335,"confidence":0.9994593,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0843999981880188},{"word":"were","start":3017.335,"end":3017.575,"confidence":0.9980248,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.10164600610733032},{"word":"to","start":3017.575,"end":3017.895,"confidence":0.9968438,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1048930361866951},{"word":"pass","start":3017.895,"end":3018.215,"confidence":0.98555356,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.1389215588569641},{"word":"away","start":3018.215,"end":3018.695,"confidence":0.9972714,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.08520421385765076},{"word":"your","start":3018.695,"end":3018.935,"confidence":0.9947207,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05424734205007553},{"word":"super","start":3018.935,"end":3019.255,"confidence":0.9988223,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.029749825596809387},{"word":"benefit","start":3019.255,"end":3019.7349,"confidence":0.9983423,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.01591125875711441},{"word":"is","start":3019.7349,"end":3019.975,"confidence":0.9989405,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.009334579110145569},{"word":"paid","start":3019.975,"end":3020.215,"confidence":0.9994165,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.04267068952322006},{"word":"out","start":3020.215,"end":3020.695,"confidence":0.9933193,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0003808140754699707},{"word":"to","start":3020.695,"end":3020.855,"confidence":0.9992368,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033783286809921265},{"word":"your","start":3020.855,"end":3021.175,"confidence":0.99984527,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04101776331663132},{"word":"partner","start":3021.175,"end":3021.675,"confidence":0.999153,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":-0.040042199194431305},{"word":"or","start":3021.815,"end":3022.135,"confidence":0.9953053,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.001332610845565796},{"word":"to","start":3022.135,"end":3022.215,"confidence":0.9980306,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0005363374948501587},{"word":"your","start":3022.215,"end":3022.715,"confidence":0.9986053,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.020384840667247772},{"word":"beneficiary","start":3023.3,"end":3023.8,"confidence":0.99884963,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.05175558477640152},{"word":"as","start":3023.94,"end":3024.18,"confidence":0.99919015,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0020951032638549805},{"word":"a","start":3024.18,"end":3024.34,"confidence":0.99978024,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008490681648254395},{"word":"life","start":3024.34,"end":3024.66,"confidence":0.99537706,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.04532235860824585},{"word":"benefit","start":3024.66,"end":3025.14,"confidence":0.9995553,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.014755554497241974},{"word":"as","start":3025.14,"end":3025.3,"confidence":0.99982494,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03735987842082977},{"word":"well","start":3025.3,"end":3025.7,"confidence":0.9230694,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.04102817177772522},{"word":"so","start":3025.7,"end":3025.86,"confidence":0.999564,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00968801975250244},{"word":"you","start":3025.86,"end":3026.02,"confidence":0.9996648,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04514367878437042},{"word":"do","start":3026.02,"end":3026.26,"confidence":0.9993254,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06599996984004974},{"word":"sort","start":3026.26,"end":3026.42,"confidence":0.96844614,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.015163823962211607},{"word":"of","start":3026.42,"end":3026.58,"confidence":0.5295631,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029999203979969025},{"word":"have","start":3026.58,"end":3026.74,"confidence":0.9993154,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04710786044597626},{"word":"those","start":3026.74,"end":3026.98,"confidence":0.9981956,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.08522395044565201},{"word":"covers","start":3026.98,"end":3027.38,"confidence":0.9799053,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.03864455223083496},{"word":"there","start":3027.38,"end":3027.6199,"confidence":0.99595636,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.034688569605350494},{"word":"without","start":3027.6199,"end":3028.02,"confidence":0.9996117,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.008657827973365784},{"word":"actually","start":3028.02,"end":3028.34,"confidence":0.99303025,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.1610036343336105},{"word":"having","start":3028.34,"end":3028.74,"confidence":0.99944764,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.20361635088920593},{"word":"insurances","start":3028.74,"end":3029.24,"confidence":0.99846464,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.15227550268173218},{"word":"the","start":3030.5,"end":3030.66,"confidence":0.7657707,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.25791314244270325},{"word":"downside","start":3030.66,"end":3031.16,"confidence":0.993341,"punctuated_word":"downside","sentiment":"neutral","sentiment_score":-0.24732241034507751},{"word":"to","start":3031.22,"end":3031.38,"confidence":0.9726793,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2703395187854767},{"word":"not","start":3031.38,"end":3031.6199,"confidence":0.9997315,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3052813708782196},{"word":"having","start":3031.6199,"end":3031.94,"confidence":0.9991134,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.3613688945770264},{"word":"insurances","start":3031.94,"end":3032.44,"confidence":0.9743163,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.3148038983345032},{"word":"is","start":3032.58,"end":3032.74,"confidence":0.9994466,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.35584962368011475},{"word":"that","start":3032.74,"end":3032.9,"confidence":0.99740064,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.41670292615890503},{"word":"it","start":3032.9,"end":3033.06,"confidence":0.9923219,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.39849191904067993},{"word":"is","start":3033.06,"end":3033.3,"confidence":0.9917755,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.33685335516929626},{"word":"only","start":3033.3,"end":3033.54,"confidence":0.9989882,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.27954840660095215},{"word":"your","start":3033.54,"end":3033.78,"confidence":0.9923775,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.31904569268226624},{"word":"super","start":3033.78,"end":3034.1,"confidence":0.93998086,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.256399542093277},{"word":"that","start":3034.1,"end":3034.26,"confidence":0.96752787,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3081025183200836},{"word":"is","start":3034.26,"end":3034.42,"confidence":0.99200964,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.21895301342010495},{"word":"paid","start":3034.42,"end":3034.66,"confidence":0.9997155,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.25641605257987976},{"word":"out","start":3034.66,"end":3034.82,"confidence":0.996108,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.15104928612709043},{"word":"to","start":3034.82,"end":3034.98,"confidence":0.99937564,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.26408424973487854},{"word":"provide","start":3034.98,"end":3035.3,"confidence":0.999859,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.25744327902793884},{"word":"that","start":3035.3,"end":3035.46,"confidence":0.99906296,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2821122407913208},{"word":"benefit","start":3035.46,"end":3035.94,"confidence":0.98242325,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":-0.25350284576416016},{"word":"you","start":3035.94,"end":3036.1,"confidence":0.99593425,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2130998969078064},{"word":"don't","start":3036.1,"end":3036.42,"confidence":0.9999178,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.20910364389419556},{"word":"have","start":3036.42,"end":3036.58,"confidence":0.9997756,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.19718025624752045},{"word":"anything","start":3036.58,"end":3036.98,"confidence":0.99971455,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.2543025612831116},{"word":"additional","start":3036.98,"end":3037.46,"confidence":0.9997025,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.31353864073753357},{"word":"to","start":3037.46,"end":3037.6199,"confidence":0.9919401,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3385624885559082},{"word":"fall","start":3037.6199,"end":3037.86,"confidence":0.999191,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.3032996654510498},{"word":"back","start":3037.86,"end":3038.1,"confidence":0.9916449,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.3837966322898865},{"word":"on","start":3038.1,"end":3038.6,"confidence":0.9995753,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.25738444924354553},{"word":"the","start":3038.925,"end":3039.085,"confidence":0.99322516,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.028004124760627747},{"word":"benefit","start":3039.085,"end":3039.565,"confidence":0.85756224,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.09076330810785294},{"word":"to","start":3039.565,"end":3039.725,"confidence":0.9905317,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07881960272789001},{"word":"not","start":3039.725,"end":3039.965,"confidence":0.99941623,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.038534149527549744},{"word":"having","start":3039.965,"end":3040.365,"confidence":0.9993218,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.10586556792259216},{"word":"insurance","start":3040.365,"end":3040.845,"confidence":0.5733995,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.08085370063781738},{"word":"is","start":3040.845,"end":3041.085,"confidence":0.99634486,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.049539342522621155},{"word":"is","start":3041.085,"end":3041.245,"confidence":0.98949873,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0884159505367279},{"word":"that","start":3041.245,"end":3041.405,"confidence":0.9994729,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05689728260040283},{"word":"you're","start":3041.405,"end":3041.565,"confidence":0.9996104,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07902760803699493},{"word":"not","start":3041.565,"end":3041.8052,"confidence":0.99945027,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03793545067310333},{"word":"paying","start":3041.8052,"end":3042.0452,"confidence":0.9999522,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.12592336535453796},{"word":"for","start":3042.0452,"end":3042.205,"confidence":0.77067554,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14643947780132294},{"word":"those","start":3042.205,"end":3042.445,"confidence":0.9943058,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.022099941968917847},{"word":"premiums","start":3042.445,"end":3042.925,"confidence":0.9975273,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.1366034746170044},{"word":"out","start":3042.925,"end":3043.0051,"confidence":0.99712795,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11833485960960388},{"word":"of","start":3043.0051,"end":3043.165,"confidence":0.99769956,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.010391414165496826},{"word":"your","start":3043.165,"end":3043.325,"confidence":0.99688584,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01761549711227417},{"word":"super","start":3043.325,"end":3043.725,"confidence":0.93748295,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.055878475308418274},{"word":"and","start":3043.725,"end":3043.8052,"confidence":0.9996809,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0679258406162262},{"word":"that","start":3043.8052,"end":3044.0452,"confidence":0.9996873,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.032501354813575745},{"word":"can","start":3044.0452,"end":3044.205,"confidence":0.99600047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03447897732257843},{"word":"have","start":3044.205,"end":3044.3252,"confidence":0.99971133,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08134405314922333},{"word":"a","start":3044.3252,"end":3044.445,"confidence":0.9994678,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11169347912073135},{"word":"long","start":3044.445,"end":3044.685,"confidence":0.99977654,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.07150883972644806},{"word":"term","start":3044.685,"end":3044.925,"confidence":0.9975535,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.016535043716430664},{"word":"effect","start":3044.925,"end":3045.245,"confidence":0.99217504,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":0.041443049907684326},{"word":"on","start":3045.245,"end":3045.485,"confidence":0.9912753,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13943783938884735},{"word":"your","start":3045.485,"end":3045.725,"confidence":0.99516714,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2049274742603302},{"word":"super","start":3045.725,"end":3046.0452,"confidence":0.99885,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22027145326137543},{"word":"as","start":3046.0452,"end":3046.205,"confidence":0.99964964,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1242952048778534},{"word":"well","start":3046.205,"end":3046.605,"confidence":0.9904784,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.021026991307735443},{"word":"so","start":3046.605,"end":3047.105,"confidence":0.99787724,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08229249715805054},{"word":"i","start":3047.165,"end":3047.325,"confidence":0.99746907,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08538804948329926},{"word":"just","start":3047.325,"end":3047.565,"confidence":0.9996861,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1202927753329277},{"word":"wanted","start":3047.565,"end":3047.965,"confidence":0.9986292,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09482931345701218},{"word":"to","start":3047.965,"end":3048.125,"confidence":0.99872214,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1088818907737732},{"word":"sort","start":3048.125,"end":3048.2852,"confidence":0.9746113,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1347653567790985},{"word":"of","start":3048.2852,"end":3048.7852,"confidence":0.99971086,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11272479593753816},{"word":"make","start":3048.845,"end":3049.085,"confidence":0.99880886,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0700351744890213},{"word":"sure","start":3049.085,"end":3049.325,"confidence":0.99994016,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08416043967008591},{"word":"i'm","start":3049.325,"end":3049.485,"confidence":0.99984825,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10075058043003082},{"word":"clarifying","start":3049.485,"end":3049.985,"confidence":0.999874,"punctuated_word":"clarifying","sentiment":"neutral","sentiment_score":0.11424408107995988},{"word":"that","start":3050.205,"end":3050.445,"confidence":0.9998448,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07527095079421997},{"word":"with","start":3050.445,"end":3050.685,"confidence":0.9998596,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09210219979286194},{"word":"you","start":3050.685,"end":3051.0051,"confidence":0.9998653,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13185814023017883},{"word":"and","start":3051.0051,"end":3051.325,"confidence":0.9936087,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10144884884357452},{"word":"confirm","start":3051.325,"end":3051.825,"confidence":0.9991543,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.1096072718501091},{"word":"your","start":3051.885,"end":3052.125,"confidence":0.9996475,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16278204321861267},{"word":"comfort","start":3052.125,"end":3052.605,"confidence":0.9996729,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.10148652642965315},{"word":"level","start":3052.605,"end":3053.0051,"confidence":0.87167346,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":0.030515365302562714},{"word":"but","start":3053.0051,"end":3053.43,"confidence":0.99864143,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.007085051387548447},{"word":"did","start":3053.51,"end":3053.75,"confidence":0.99983335,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.0683552622795105},{"word":"you","start":3053.75,"end":3053.8298,"confidence":0.9998547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0139988511800766},{"word":"want","start":3053.8298,"end":3053.91,"confidence":0.99965787,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.021933257579803467},{"word":"us","start":3053.91,"end":3054.3098,"confidence":0.9998512,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.0037013962864875793},{"word":"to","start":3054.3098,"end":3054.39,"confidence":0.99954647,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019140996038913727},{"word":"look","start":3054.39,"end":3054.63,"confidence":0.99986446,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.024936869740486145},{"word":"at","start":3054.63,"end":3054.79,"confidence":0.9984913,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04345117509365082},{"word":"some","start":3054.79,"end":3055.03,"confidence":0.9998969,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0310635045170784},{"word":"sort","start":3055.03,"end":3055.27,"confidence":0.99671507,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.025055289268493652},{"word":"of","start":3055.27,"end":3055.43,"confidence":0.99928445,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00700947642326355},{"word":"cover","start":3055.43,"end":3055.75,"confidence":0.999764,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.014761202037334442},{"word":"for","start":3055.75,"end":3055.99,"confidence":0.9996965,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.007198266685009003},{"word":"you","start":3055.99,"end":3056.3098,"confidence":0.8753332,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.014722667634487152},{"word":"or","start":3056.3098,"end":3056.55,"confidence":0.99947745,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08885792642831802},{"word":"are","start":3056.55,"end":3056.63,"confidence":0.8850196,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08760736882686615},{"word":"you","start":3056.63,"end":3056.8699,"confidence":0.99853945,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005732864141464233},{"word":"happy","start":3056.8699,"end":3057.27,"confidence":0.99874157,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.10787192732095718},{"word":"just","start":3057.27,"end":3057.51,"confidence":0.99827814,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1258711814880371},{"word":"with","start":3057.51,"end":3057.75,"confidence":0.9994905,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22577252984046936},{"word":"what","start":3057.75,"end":3057.91,"confidence":0.9993118,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2256479114294052},{"word":"you've","start":3057.91,"end":3058.23,"confidence":0.9992966,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.19277463853359225},{"word":"got","start":3058.23,"end":3058.39,"confidence":0.9992836,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2713182270526886},{"word":"and","start":3058.39,"end":3058.55,"confidence":0.909153,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0800841823220253},{"word":"just","start":3058.55,"end":3058.79,"confidence":0.998965,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12057040631771088},{"word":"wanting","start":3058.79,"end":3059.03,"confidence":0.9824808,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.18278388679027557},{"word":"to","start":3059.03,"end":3059.27,"confidence":0.99867934,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2453984022140503},{"word":"maximize","start":3059.27,"end":3059.77,"confidence":0.99504024,"punctuated_word":"maximize","sentiment":"positive","sentiment_score":0.3658439815044403},{"word":"super","start":3059.8298,"end":3060.23,"confidence":0.6735908,"punctuated_word":"super?","sentiment":"positive","sentiment_score":0.3726757168769837},{"word":"what's","start":3060.23,"end":3060.63,"confidence":0.89058954,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.01865166425704956},{"word":"your","start":3060.63,"end":3060.79,"confidence":0.9962835,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04221333563327789},{"word":"where","start":3060.95,"end":3061.27,"confidence":0.98753303,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.05250808596611023},{"word":"your","start":3061.27,"end":3061.51,"confidence":0.6426984,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02113812416791916},{"word":"where's","start":3061.5898,"end":3061.8298,"confidence":0.97792387,"punctuated_word":"where's","sentiment":"neutral","sentiment_score":0.03254421427845955},{"word":"your","start":3061.8298,"end":3062.0698,"confidence":0.9981377,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03220421075820923},{"word":"comfort","start":3062.0698,"end":3062.39,"confidence":0.9991541,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.07130704820156097},{"word":"level","start":3062.39,"end":3062.79,"confidence":0.99955946,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.13300535082817078},{"word":"at","start":3062.79,"end":3063.29,"confidence":0.9675062,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":0.04971913993358612},{"word":"yep","start":3067.2852,"end":3067.7852,"confidence":0.92911863,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.38132232427597046},{"word":"yep","start":3069.445,"end":3069.945,"confidence":0.9669186,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1759282946586609},{"word":"yep","start":3072.965,"end":3073.465,"confidence":0.9788133,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22791998088359833},{"word":"that's","start":3073.685,"end":3074.085,"confidence":0.99425554,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3835858702659607},{"word":"okay","start":3074.085,"end":3074.485,"confidence":0.9961395,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3379647433757782},{"word":"and","start":3074.485,"end":3074.645,"confidence":0.99966156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09124953299760818},{"word":"the","start":3074.645,"end":3074.725,"confidence":0.9998234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06081549823284149},{"word":"other","start":3074.725,"end":3074.965,"confidence":0.9998863,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06543689966201782},{"word":"thing","start":3074.965,"end":3075.205,"confidence":0.99965084,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.07844668626785278},{"word":"we","start":3075.205,"end":3075.365,"confidence":0.99823594,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.028677187860012054},{"word":"do","start":3075.365,"end":3075.5251,"confidence":0.99958473,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.013939402997493744},{"word":"have","start":3075.5251,"end":3075.685,"confidence":0.9996207,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.017929747700691223},{"word":"to","start":3075.685,"end":3075.845,"confidence":0.99828374,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015651825815439224},{"word":"sort","start":3075.845,"end":3076.0051,"confidence":0.9852225,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.007967233657836914},{"word":"of","start":3076.0051,"end":3076.165,"confidence":0.7092211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02657843381166458},{"word":"discuss","start":3076.165,"end":3076.5652,"confidence":0.99769884,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.041864391416311264},{"word":"is","start":3076.5652,"end":3076.725,"confidence":0.9982085,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.018826927989721295},{"word":"the","start":3076.725,"end":3076.8052,"confidence":0.9998103,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04689301922917366},{"word":"option","start":3076.8052,"end":3077.125,"confidence":0.99983835,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.03559628874063492},{"word":"of","start":3077.125,"end":3077.2852,"confidence":0.9999188,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007829003036022186},{"word":"trauma","start":3077.2852,"end":3077.7651,"confidence":0.9823443,"punctuated_word":"trauma.","sentiment":"neutral","sentiment_score":-0.008737439289689064},{"word":"so","start":3077.7651,"end":3077.925,"confidence":0.95084506,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.017922773957252502},{"word":"trauma","start":3077.925,"end":3078.425,"confidence":0.9994511,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.058017484843730927},{"word":"is","start":3078.73,"end":3078.8901,"confidence":0.9998136,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.027231302112340927},{"word":"not","start":3078.8901,"end":3079.05,"confidence":0.9995921,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04606142267584801},{"word":"an","start":3079.05,"end":3079.37,"confidence":0.608357,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.020032048225402832},{"word":"insurances","start":3079.37,"end":3079.87,"confidence":0.927861,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.03556671738624573},{"word":"that","start":3080.6501,"end":3081.1301,"confidence":0.820941,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02717415988445282},{"word":"are","start":3081.1301,"end":3081.37,"confidence":0.9911248,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01130833849310875},{"word":"paid","start":3081.37,"end":3081.87,"confidence":0.89184177,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":-0.03856904059648514},{"word":"in","start":3082.4102,"end":3082.57,"confidence":0.91566163,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.006175518035888672},{"word":"sop","start":3082.57,"end":3082.8901,"confidence":0.28745452,"punctuated_word":"SOP,","sentiment":"neutral","sentiment_score":0.011298838071525095},{"word":"you","start":3082.8901,"end":3083.1301,"confidence":0.9902795,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03580661863088608},{"word":"have","start":3083.1301,"end":3083.29,"confidence":0.9926178,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.013756413012742996},{"word":"to","start":3083.29,"end":3083.37,"confidence":0.9990771,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017748720943927765},{"word":"pay","start":3083.37,"end":3083.61,"confidence":0.9957551,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.008968397974967957},{"word":"for","start":3083.61,"end":3083.6902,"confidence":0.68147546,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03117840737104416},{"word":"them","start":3083.6902,"end":3083.85,"confidence":0.9444814,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.027254723012447357},{"word":"out","start":3083.85,"end":3084.01,"confidence":0.99252,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05665932595729828},{"word":"of","start":3084.01,"end":3084.09,"confidence":0.9906696,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012645639479160309},{"word":"your","start":3084.09,"end":3084.25,"confidence":0.998495,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.032858625054359436},{"word":"back","start":3084.25,"end":3084.49,"confidence":0.73194844,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.022179290652275085},{"word":"pocket","start":3084.49,"end":3084.73,"confidence":0.92974335,"punctuated_word":"pocket,","sentiment":"neutral","sentiment_score":0.024622298777103424},{"word":"but","start":3084.73,"end":3084.8901,"confidence":0.9986772,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.007875636219978333},{"word":"trauma","start":3084.8901,"end":3085.21,"confidence":0.9987972,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.003761187195777893},{"word":"tends","start":3085.21,"end":3085.45,"confidence":0.99562234,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.043979547917842865},{"word":"to","start":3085.45,"end":3085.61,"confidence":0.99804735,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029557719826698303},{"word":"pay","start":3085.61,"end":3085.77,"confidence":0.944793,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.02808082103729248},{"word":"out","start":3085.77,"end":3085.9302,"confidence":0.66102886,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.06636136770248413},{"word":"a","start":3085.9302,"end":3086.01,"confidence":0.86876893,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07866550981998444},{"word":"lump","start":3086.01,"end":3086.25,"confidence":0.99759966,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.10434168577194214},{"word":"sum","start":3086.25,"end":3086.57,"confidence":0.9963696,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.1376037746667862},{"word":"tax","start":3086.57,"end":3086.81,"confidence":0.99718505,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.19985128939151764},{"word":"free","start":3086.81,"end":3087.05,"confidence":0.65811074,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.10591530799865724},{"word":"benefit","start":3087.05,"end":3087.53,"confidence":0.9975076,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.1053728461265564},{"word":"in","start":3087.53,"end":3087.77,"confidence":0.99903584,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1025880128145218},{"word":"the","start":3087.77,"end":3087.85,"confidence":0.9998852,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08643123507499695},{"word":"event","start":3087.85,"end":3088.1702,"confidence":0.999244,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.0871826708316803},{"word":"that","start":3088.1702,"end":3088.33,"confidence":0.9996113,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08202490955591202},{"word":"you","start":3088.33,"end":3088.49,"confidence":0.999874,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06538689136505127},{"word":"are","start":3088.49,"end":3088.73,"confidence":0.97094595,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.047640636563301086},{"word":"diagnosed","start":3088.73,"end":3089.23,"confidence":0.9988158,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":0.03932512551546097},{"word":"with","start":3089.29,"end":3089.45,"confidence":0.8620368,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.008502233773469925},{"word":"say","start":3089.45,"end":3089.95,"confidence":0.9989115,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.012964405119419098},{"word":"certain","start":3090.01,"end":3090.33,"confidence":0.9988311,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.006046369671821594},{"word":"cancers","start":3090.33,"end":3090.83,"confidence":0.98593354,"punctuated_word":"cancers,","sentiment":"neutral","sentiment_score":0.011245792731642725},{"word":"neurological","start":3090.8901,"end":3091.3901,"confidence":0.99860364,"punctuated_word":"neurological","sentiment":"neutral","sentiment_score":0.015436209738254549},{"word":"conditions","start":3091.6902,"end":3092.1702,"confidence":0.9883492,"punctuated_word":"conditions,","sentiment":"neutral","sentiment_score":-0.0101032555103302},{"word":"parkinson's","start":3092.1702,"end":3092.6702,"confidence":0.94895226,"punctuated_word":"Parkinson's,","sentiment":"neutral","sentiment_score":-0.006385182961821556},{"word":"things","start":3092.8901,"end":3093.29,"confidence":0.5187781,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0010618939995765686},{"word":"like","start":3093.29,"end":3093.53,"confidence":0.9994791,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.005138050764799118},{"word":"that","start":3093.53,"end":3093.885,"confidence":0.9992464,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.012501396238803864},{"word":"did","start":3094.605,"end":3094.845,"confidence":0.96826833,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.018879320472478867},{"word":"you","start":3094.845,"end":3094.925,"confidence":0.9998741,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01332610473036766},{"word":"wanna","start":3094.925,"end":3095.165,"confidence":0.99835217,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0008323322981595993},{"word":"look","start":3095.165,"end":3095.405,"confidence":0.99955076,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.012637738138437273},{"word":"at","start":3095.405,"end":3095.565,"confidence":0.99877006,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.038761407136917114},{"word":"getting","start":3095.565,"end":3095.805,"confidence":0.99964213,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.03338150307536125},{"word":"any","start":3095.805,"end":3096.125,"confidence":0.999666,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.020948469638824463},{"word":"trauma","start":3096.125,"end":3096.605,"confidence":0.71034205,"punctuated_word":"trauma?","sentiment":"neutral","sentiment_score":-0.00833473913371563},{"word":"you're","start":3096.605,"end":3096.925,"confidence":0.995255,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.019362598657608032},{"word":"happy","start":3096.925,"end":3097.245,"confidence":0.998833,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.05576249212026596},{"word":"not","start":3097.245,"end":3097.485,"confidence":0.99669135,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.009376242756843569},{"word":"to","start":3097.485,"end":3097.645,"confidence":0.998489,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016817651689052582},{"word":"have","start":3097.645,"end":3097.965,"confidence":0.99953747,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.017469793558120728},{"word":"trauma","start":3097.965,"end":3098.465,"confidence":0.99830496,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.03948768973350525},{"word":"as","start":3098.605,"end":3098.845,"confidence":0.9902868,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06111684441566467},{"word":"another","start":3098.845,"end":3099.245,"confidence":0.9960901,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.07543104141950607},{"word":"option","start":3099.245,"end":3099.745,"confidence":0.79874814,"punctuated_word":"option?","sentiment":"neutral","sentiment_score":0.008698008954524994},{"word":"yeah","start":3105.405,"end":3105.905,"confidence":0.83183706,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0704786479473114},{"word":"yeah","start":3109.87,"end":3110.37,"confidence":0.906278,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015046775341033936},{"word":"this","start":3115.2302,"end":3115.4702,"confidence":0.6046446,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.3238714039325714},{"word":"day","start":3115.4702,"end":3115.6301,"confidence":0.5637705,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.3544129729270935},{"word":"should","start":3115.6301,"end":3115.79,"confidence":0.9856533,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4570821523666382},{"word":"be","start":3115.79,"end":3115.9502,"confidence":0.99969125,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.35856831073760986},{"word":"fine","start":3115.9502,"end":3116.27,"confidence":0.90873194,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2711940407752991},{"word":"not","start":3116.27,"end":3116.4302,"confidence":0.9994367,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.24241289496421817},{"word":"a","start":3116.4302,"end":3116.59,"confidence":0.9996302,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11492818593978882},{"word":"problem","start":3116.59,"end":3116.9102,"confidence":0.9999106,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.15592174232006073},{"word":"at","start":3116.9102,"end":3117.07,"confidence":0.9973443,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14437313377857208},{"word":"all","start":3117.07,"end":3117.2302,"confidence":0.9998395,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.23198270797729492},{"word":"i","start":3117.2302,"end":3117.31,"confidence":0.99943084,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11861769109964372},{"word":"just","start":3117.31,"end":3117.4702,"confidence":0.70861214,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10611286014318466},{"word":"thought","start":3117.4702,"end":3117.7102,"confidence":0.28656977,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.07598871737718582},{"word":"i'd","start":3117.7102,"end":3117.87,"confidence":0.87083817,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.0781865119934082},{"word":"have","start":3117.87,"end":3118.03,"confidence":0.9944924,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07631587237119675},{"word":"to","start":3118.03,"end":3118.11,"confidence":0.99826765,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07148868590593338},{"word":"go","start":3118.11,"end":3118.27,"confidence":0.9902022,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0641147643327713},{"word":"through","start":3118.27,"end":3118.4302,"confidence":0.9806229,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05833393335342407},{"word":"those","start":3118.4302,"end":3118.6702,"confidence":0.95306355,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.009203776717185974},{"word":"with","start":3118.6702,"end":3118.83,"confidence":0.99839765,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.039369747042655945},{"word":"you","start":3118.83,"end":3118.99,"confidence":0.9992575,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04745259881019592},{"word":"to","start":3118.99,"end":3119.1501,"confidence":0.737174,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020505711436271667},{"word":"sort","start":3119.1501,"end":3119.3901,"confidence":0.9949427,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08349788188934326},{"word":"of","start":3119.3901,"end":3119.4702,"confidence":0.99726653,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0859607607126236},{"word":"make","start":3119.4702,"end":3119.6301,"confidence":0.99913067,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.029533594846725464},{"word":"sure","start":3119.6301,"end":3119.87,"confidence":0.9995314,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05750247836112976},{"word":"that","start":3119.87,"end":3120.195,"confidence":0.99906677,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0675293505191803},{"word":"you're","start":3120.2751,"end":3120.595,"confidence":0.99974585,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04625150188803673},{"word":"aware","start":3120.595,"end":3120.915,"confidence":0.9999616,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.008009590208530426},{"word":"and","start":3120.915,"end":3121.235,"confidence":0.9988073,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.027523092925548553},{"word":"understand","start":3121.235,"end":3121.735,"confidence":0.9997619,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.03347453474998474},{"word":"the","start":3122.355,"end":3122.5151,"confidence":0.8396141,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02195514738559723},{"word":"differences","start":3122.5151,"end":3123.0151,"confidence":0.98436964,"punctuated_word":"differences","sentiment":"neutral","sentiment_score":-0.0360075980424881},{"word":"there","start":3123.075,"end":3123.575,"confidence":0.99535155,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.05769558250904083},{"word":"we","start":3123.875,"end":3124.115,"confidence":0.9346489,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0903998389840126},{"word":"always","start":3124.115,"end":3124.435,"confidence":0.9990571,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.13629254698753357},{"word":"have","start":3124.435,"end":3124.5151,"confidence":0.9971221,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15308237075805664},{"word":"to","start":3124.5151,"end":3124.675,"confidence":0.998823,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16552983224391937},{"word":"give","start":3124.675,"end":3124.835,"confidence":0.9998179,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.15570440888404846},{"word":"you","start":3124.835,"end":3124.995,"confidence":0.9995592,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17156895995140076},{"word":"the","start":3124.995,"end":3125.075,"confidence":0.999292,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18018272519111633},{"word":"option","start":3125.075,"end":3125.475,"confidence":0.9209368,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.1288842111825943},{"word":"that's","start":3125.475,"end":3125.7952,"confidence":0.99800116,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15685009956359863},{"word":"all","start":3125.7952,"end":3126.0352,"confidence":0.94278085,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.16520005464553833},{"word":"so","start":3126.0352,"end":3126.5352,"confidence":0.9945456,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21175603568553925},{"word":"i'd","start":3126.7551,"end":3126.835,"confidence":0.84364414,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.32217344641685486},{"word":"like","start":3126.835,"end":3126.995,"confidence":0.9993087,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3512570261955261},{"word":"to","start":3126.995,"end":3127.155,"confidence":0.99934417,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3823097944259643},{"word":"make","start":3127.155,"end":3127.235,"confidence":0.99975246,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2986748218536377},{"word":"sure","start":3127.235,"end":3127.475,"confidence":0.9997874,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.32587406039237976},{"word":"i'm","start":3127.475,"end":3127.635,"confidence":0.99871117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3889352679252625},{"word":"giving","start":3127.635,"end":3127.875,"confidence":0.9995271,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.4384703040122986},{"word":"you","start":3127.875,"end":3128.0352,"confidence":0.9997516,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3601144850254059},{"word":"all","start":3128.0352,"end":3128.195,"confidence":0.9998379,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3874529898166657},{"word":"the","start":3128.195,"end":3128.355,"confidence":0.9991062,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3595416247844696},{"word":"information","start":3128.355,"end":3128.7551,"confidence":0.9998406,"punctuated_word":"information","sentiment":"positive","sentiment_score":0.37551093101501465},{"word":"to","start":3128.7551,"end":3128.915,"confidence":0.98181766,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3524860441684723},{"word":"be","start":3128.915,"end":3128.995,"confidence":0.8724944,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3841816782951355},{"word":"able","start":3128.995,"end":3129.155,"confidence":0.95691,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3925308585166931},{"word":"to","start":3129.155,"end":3129.235,"confidence":0.996447,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4350846409797669},{"word":"make","start":3129.235,"end":3129.395,"confidence":0.9894265,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3542092740535736},{"word":"that","start":3129.395,"end":3129.635,"confidence":0.99819666,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39396175742149353},{"word":"decision","start":3129.635,"end":3130.135,"confidence":0.9995467,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.2556953728199005},{"word":"comfortably","start":3130.5151,"end":3131.0151,"confidence":0.75382555,"punctuated_word":"comfortably.","sentiment":"neutral","sentiment_score":0.28723016381263733},{"word":"okay","start":3131.3152,"end":3131.8152,"confidence":0.9489969,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16933146119117737},{"word":"perfect","start":3134.09,"end":3134.59,"confidence":0.9972311,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3907345235347748},{"word":"so","start":3134.97,"end":3135.21,"confidence":0.7619205,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18342307209968567},{"word":"we're","start":3135.21,"end":3135.45,"confidence":0.9990492,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.22583577036857605},{"word":"focusing","start":3135.45,"end":3135.85,"confidence":0.9997296,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.2710399627685547},{"word":"on","start":3135.85,"end":3136.01,"confidence":0.9996556,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.27735400199890137},{"word":"the","start":3136.01,"end":3136.1702,"confidence":0.9339637,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2626499533653259},{"word":"super","start":3136.1702,"end":3136.57,"confidence":0.7240138,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.26806405186653137},{"word":"looking","start":3136.57,"end":3136.81,"confidence":0.53937685,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.29750046133995056},{"word":"at","start":3136.81,"end":3136.8901,"confidence":0.97781426,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2802259624004364},{"word":"ways","start":3136.8901,"end":3137.1301,"confidence":0.98092777,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.2741737365722656},{"word":"to","start":3137.1301,"end":3137.29,"confidence":0.9822718,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2998378276824951},{"word":"benefit","start":3137.29,"end":3137.6902,"confidence":0.9992675,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.29004254937171936},{"word":"there","start":3137.6902,"end":3137.9302,"confidence":0.9890101,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2274526953697205},{"word":"i'll","start":3137.9302,"end":3138.1702,"confidence":0.9998365,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1788279414176941},{"word":"look","start":3138.1702,"end":3138.4102,"confidence":0.9998772,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16715089976787567},{"word":"at","start":3138.4102,"end":3138.73,"confidence":0.9984989,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18643854558467865},{"word":"the","start":3138.73,"end":3139.1301,"confidence":0.9926277,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19329941272735596},{"word":"transition","start":3139.1301,"end":3139.6301,"confidence":0.33261847,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.19794504344463348},{"word":"retirement","start":3139.77,"end":3140.25,"confidence":0.66354,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.16468670964241028},{"word":"strategy","start":3140.25,"end":3140.73,"confidence":0.9990845,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.1649797111749649},{"word":"for","start":3140.73,"end":3140.8901,"confidence":0.99991703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23235049843788147},{"word":"you","start":3140.8901,"end":3141.3901,"confidence":0.8644593,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1998242735862732},{"word":"i'm","start":3141.53,"end":3141.61,"confidence":0.776265,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14627400040626526},{"word":"looking","start":3141.61,"end":3141.9302,"confidence":0.99975365,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.16910304129123688},{"word":"at","start":3141.9302,"end":3142.1702,"confidence":0.99929667,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1630524843931198},{"word":"taking","start":3142.1702,"end":3142.49,"confidence":0.9351911,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.1976323127746582},{"word":"out","start":3142.49,"end":3142.81,"confidence":0.93343616,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1866300106048584},{"word":"a","start":3142.81,"end":3142.97,"confidence":0.95859396,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20360469818115232},{"word":"10%","start":3142.97,"end":3143.53,"confidence":0.9994885,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.19503407180309296},{"word":"withdrawal","start":3143.53,"end":3144.03,"confidence":0.9920942,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":0.1914265751838684},{"word":"this","start":3144.09,"end":3144.33,"confidence":0.999734,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18657362461090088},{"word":"year","start":3144.33,"end":3144.57,"confidence":0.99990475,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.21621742844581604},{"word":"and","start":3144.57,"end":3144.73,"confidence":0.8293472,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1896595060825348},{"word":"then","start":3144.73,"end":3144.97,"confidence":0.9998006,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18750394880771637},{"word":"maybe","start":3144.97,"end":3145.29,"confidence":0.9870207,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.2143467366695404},{"word":"looking","start":3145.29,"end":3145.53,"confidence":0.9989716,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.17513003945350647},{"word":"at","start":3145.53,"end":3145.6902,"confidence":0.9995814,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15330298244953156},{"word":"the","start":3145.6902,"end":3145.85,"confidence":0.9994566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2262827605009079},{"word":"ttr","start":3145.85,"end":3146.35,"confidence":0.981761,"punctuated_word":"TTR","sentiment":"neutral","sentiment_score":0.14075274765491486},{"word":"strategy","start":3146.4102,"end":3146.8901,"confidence":0.9977235,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.1685700565576553},{"word":"moving","start":3146.8901,"end":3147.21,"confidence":0.9976457,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2628593146800995},{"word":"forward","start":3147.21,"end":3147.675,"confidence":0.9869999,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.1959630250930786},{"word":"we're","start":3147.915,"end":3148.155,"confidence":0.9850391,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.1363588720560074},{"word":"working","start":3148.155,"end":3148.635,"confidence":0.9998863,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.17943908274173737},{"word":"on","start":3148.635,"end":3148.955,"confidence":0.9996414,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18603110313415527},{"word":"a","start":3148.955,"end":3149.195,"confidence":0.99804354,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17888392508029938},{"word":"take","start":3149.195,"end":3149.435,"confidence":0.99649185,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.12645594775676727},{"word":"home","start":3149.435,"end":3149.7551,"confidence":0.9959746,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.10201916098594666},{"word":"pay","start":3149.7551,"end":3149.995,"confidence":0.9994025,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.12974634766578674},{"word":"keeping","start":3150.155,"end":3150.555,"confidence":0.99971,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.1922074854373932},{"word":"your","start":3150.555,"end":3150.715,"confidence":0.9985417,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16213886439800262},{"word":"take","start":3150.715,"end":3150.875,"confidence":0.9991804,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.13688161969184875},{"word":"home","start":3150.875,"end":3151.115,"confidence":0.99699044,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.10664811730384828},{"word":"pay","start":3151.115,"end":3151.355,"confidence":0.99620616,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.13794618844985962},{"word":"at","start":3151.355,"end":3151.435,"confidence":0.85152227,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18415567278862},{"word":"around","start":3151.435,"end":3151.675,"confidence":0.9994906,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.21039152145385745},{"word":"that","start":3151.675,"end":3151.915,"confidence":0.98268986,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2060995250940323},{"word":"$1,500","start":3151.915,"end":3152.875,"confidence":0.99853605,"punctuated_word":"$1,500","sentiment":"neutral","sentiment_score":0.15620768070220947},{"word":"mark","start":3152.875,"end":3153.2751,"confidence":0.9975478,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":0.16695855557918549},{"word":"per","start":3153.2751,"end":3153.5151,"confidence":0.99911934,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.1107613444328308},{"word":"week","start":3153.5151,"end":3153.7551,"confidence":0.9958792,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.11448009312152864},{"word":"is","start":3153.7551,"end":3153.995,"confidence":0.9998896,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.12144479155540466},{"word":"that","start":3153.995,"end":3154.155,"confidence":0.9999733,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11193738877773284},{"word":"right","start":3154.155,"end":3154.475,"confidence":0.999346,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.0712299570441246},{"word":"sorry","start":3154.475,"end":3154.715,"confidence":0.85593367,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.03335238993167877},{"word":"it's","start":3154.715,"end":3154.875,"confidence":0.9943353,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.035114046186208725},{"word":"per","start":3154.875,"end":3155.0352,"confidence":0.99911505,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.04212123900651932},{"word":"week","start":3155.0352,"end":3155.2751,"confidence":0.8559797,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.05331172049045563},{"word":"isn't","start":3155.2751,"end":3155.595,"confidence":0.9994687,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.043137550354003906},{"word":"it","start":3155.595,"end":3155.835,"confidence":0.9727068,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.04417245090007782},{"word":"your","start":3155.835,"end":3155.995,"confidence":0.97369146,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.024543829262256622},{"word":"take","start":3155.995,"end":3156.155,"confidence":0.9985815,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.019645437598228455},{"word":"home","start":3156.155,"end":3156.395,"confidence":0.99714786,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.013126619160175323},{"word":"pay","start":3156.395,"end":3156.635,"confidence":0.81850815,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":-0.013968444429337978},{"word":"1,500","start":3156.635,"end":3157.355,"confidence":0.9979875,"punctuated_word":"1,500","sentiment":"neutral","sentiment_score":-0.004030277952551842},{"word":"per","start":3157.355,"end":3157.5151,"confidence":0.9974005,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.015359507873654366},{"word":"week","start":3157.5151,"end":3158.0151,"confidence":0.999688,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.024959098547697067},{"word":"or","start":3158.715,"end":3158.955,"confidence":0.927349,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.008392151445150375},{"word":"fortnight","start":3158.955,"end":3159.455,"confidence":0.97807837,"punctuated_word":"fortnight?","sentiment":"neutral","sentiment_score":-0.01412084512412548},{"word":"per","start":3160.1,"end":3160.34,"confidence":0.9960718,"punctuated_word":"Per","sentiment":"neutral","sentiment_score":-0.01063963957130909},{"word":"week","start":3160.34,"end":3160.84,"confidence":0.8788458,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":-0.0060257213190197945},{"word":"per","start":3161.7,"end":3161.94,"confidence":0.998588,"punctuated_word":"Per","sentiment":"neutral","sentiment_score":0.0012841224670410156},{"word":"week","start":3161.94,"end":3162.26,"confidence":0.9884863,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.02033296972513199},{"word":"yep","start":3162.26,"end":3162.58,"confidence":0.9493306,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1703895777463913},{"word":"perfect","start":3162.58,"end":3163.06,"confidence":0.9985504,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4222029149532318},{"word":"just","start":3163.06,"end":3163.3,"confidence":0.9690121,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.27853724360466003},{"word":"wanna","start":3163.3,"end":3163.7,"confidence":0.32886893,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.23403742909431455},{"word":"clarify","start":3163.7,"end":3164.2,"confidence":0.59659195,"punctuated_word":"clarify","sentiment":"neutral","sentiment_score":0.2354927659034729},{"word":"that","start":3164.26,"end":3164.58,"confidence":0.7135005,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.276273638010025},{"word":"for","start":3164.58,"end":3164.74,"confidence":0.9998697,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29300588369369507},{"word":"you","start":3164.74,"end":3165.24,"confidence":0.97051394,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.19426056742668152},{"word":"and","start":3166.98,"end":3167.22,"confidence":0.7538755,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.1957987844944},{"word":"yes","start":3167.3801,"end":3167.7,"confidence":0.61320007,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.24797527492046356},{"word":"i'll","start":3167.7,"end":3167.94,"confidence":0.88732004,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2545625567436218},{"word":"go","start":3167.94,"end":3168.1,"confidence":0.99977225,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.29424893856048584},{"word":"back","start":3168.1,"end":3168.26,"confidence":0.99982977,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.30866724252700806},{"word":"and","start":3168.26,"end":3168.42,"confidence":0.99651104,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2545493245124817},{"word":"do","start":3168.42,"end":3168.58,"confidence":0.99971694,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2863459885120392},{"word":"all","start":3168.58,"end":3168.74,"confidence":0.99447143,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3361605703830719},{"word":"that","start":3168.74,"end":3168.9,"confidence":0.7561622,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35623639822006226},{"word":"additional","start":3168.9,"end":3169.3801,"confidence":0.99983585,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.21570155024528503},{"word":"research","start":3169.3801,"end":3169.86,"confidence":0.9984864,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.13028420507907867},{"word":"for","start":3169.86,"end":3170.1,"confidence":0.9999114,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21009507775306704},{"word":"you","start":3170.1,"end":3170.34,"confidence":0.9940053,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04579012840986252},{"word":"if","start":3170.34,"end":3170.5,"confidence":0.9995505,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.2890595495700836},{"word":"i","start":3170.5,"end":3170.66,"confidence":0.99972326,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.32303857803344727},{"word":"find","start":3170.66,"end":3170.9,"confidence":0.9999082,"punctuated_word":"find","sentiment":"negative","sentiment_score":-0.4054184556007385},{"word":"it's","start":3170.9,"end":3171.1401,"confidence":0.9568374,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4455333948135376},{"word":"not","start":3171.1401,"end":3171.3,"confidence":0.9998355,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5188305974006653},{"word":"gonna","start":3171.3,"end":3171.62,"confidence":0.99945456,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.44905078411102295},{"word":"work","start":3171.62,"end":3171.78,"confidence":0.99705005,"punctuated_word":"work,","sentiment":"negative","sentiment_score":-0.40205973386764526},{"word":"we","start":3171.78,"end":3171.94,"confidence":0.9992899,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3602185845375061},{"word":"could","start":3171.94,"end":3172.18,"confidence":0.99963856,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.4032471179962158},{"word":"just","start":3172.18,"end":3172.42,"confidence":0.99407107,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.3686952888965606},{"word":"look","start":3172.42,"end":3172.74,"confidence":0.99657863,"punctuated_word":"look","sentiment":"negative","sentiment_score":-0.424998015165329},{"word":"at","start":3172.74,"end":3172.98,"confidence":0.99524105,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.5409427285194397},{"word":"salary","start":3172.98,"end":3173.48,"confidence":0.61531526,"punctuated_word":"salary","sentiment":"negative","sentiment_score":-0.4826756715774536},{"word":"sacrificing","start":3173.54,"end":3174.04,"confidence":0.8303941,"punctuated_word":"sacrificing","sentiment":"negative","sentiment_score":-0.46830374002456665},{"word":"and","start":3174.26,"end":3174.5,"confidence":0.99069643,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.32003867626190186},{"word":"seeing","start":3174.5,"end":3174.975,"confidence":0.6659483,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.30558204650878906},{"word":"what","start":3175.0552,"end":3175.2952,"confidence":0.9999622,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.35040149092674255},{"word":"that","start":3175.2952,"end":3175.455,"confidence":0.9998907,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3621106147766114},{"word":"can","start":3175.455,"end":3175.615,"confidence":0.9998461,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.3418956398963928},{"word":"do","start":3175.615,"end":3175.935,"confidence":0.9997651,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.357864111661911},{"word":"to","start":3175.935,"end":3176.0151,"confidence":0.99927896,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3303529620170593},{"word":"help","start":3176.0151,"end":3176.2551,"confidence":0.99988914,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.19160090386867523},{"word":"you","start":3176.2551,"end":3176.7551,"confidence":0.99925613,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.30041801929473877},{"word":"if","start":3176.8152,"end":3176.975,"confidence":0.7448277,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.15550628304481506},{"word":"there's","start":3176.975,"end":3177.2952,"confidence":0.9994484,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.11696209013462068},{"word":"another","start":3177.2952,"end":3177.695,"confidence":0.9995245,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.1547926366329193},{"word":"conversation","start":3177.695,"end":3178.195,"confidence":0.9996474,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":-0.16653025150299072},{"word":"i","start":3178.3352,"end":3178.495,"confidence":0.99664223,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15051878988742828},{"word":"need","start":3178.495,"end":3178.655,"confidence":0.99914575,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1107461228966713},{"word":"to","start":3178.655,"end":3178.8152,"confidence":0.9997365,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10315386205911636},{"word":"have","start":3178.8152,"end":3179.0552,"confidence":0.99909234,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.0849381685256958},{"word":"i'll","start":3179.0552,"end":3179.215,"confidence":0.9997735,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.01019788347184658},{"word":"come","start":3179.215,"end":3179.455,"confidence":0.99980694,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.007178924977779388},{"word":"back","start":3179.455,"end":3179.695,"confidence":0.9998105,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.03228431195020676},{"word":"and","start":3179.695,"end":3179.855,"confidence":0.9979413,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.010687261819839478},{"word":"have","start":3179.855,"end":3179.935,"confidence":0.9998479,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01284203678369522},{"word":"that","start":3179.935,"end":3180.175,"confidence":0.99982846,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015384703874588013},{"word":"with","start":3180.175,"end":3180.3352,"confidence":0.99968755,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.040687114000320435},{"word":"you","start":3180.3352,"end":3180.495,"confidence":0.91541636,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.040088508278131485},{"word":"but","start":3180.495,"end":3180.735,"confidence":0.99968433,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1762286126613617},{"word":"i've","start":3180.735,"end":3180.895,"confidence":0.9998038,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.4456249177455902},{"word":"got","start":3180.895,"end":3181.135,"confidence":0.99892265,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4738578498363495},{"word":"a","start":3181.135,"end":3181.455,"confidence":0.9996239,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4068780243396759},{"word":"a","start":3181.455,"end":3181.615,"confidence":0.96302253,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5096184015274048},{"word":"lot","start":3181.615,"end":3181.7751,"confidence":0.99934834,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.50920170545578},{"word":"of","start":3181.7751,"end":3181.935,"confidence":0.9998989,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.524847149848938},{"word":"really","start":3181.935,"end":3182.175,"confidence":0.99969125,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6221269369125366},{"word":"good","start":3182.175,"end":3182.415,"confidence":0.99993145,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5837303400039673},{"word":"ideas","start":3182.415,"end":3182.735,"confidence":0.9995036,"punctuated_word":"ideas","sentiment":"positive","sentiment_score":0.5730733871459961},{"word":"that","start":3182.735,"end":3182.895,"confidence":0.9998667,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6058915853500366},{"word":"we","start":3182.895,"end":3182.975,"confidence":0.9999621,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6019124388694763},{"word":"can","start":3182.975,"end":3183.215,"confidence":0.9999323,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6128678917884827},{"word":"look","start":3183.215,"end":3183.375,"confidence":0.99984443,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.6318915486335754},{"word":"at","start":3183.375,"end":3183.615,"confidence":0.9430955,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.7338310480117798},{"word":"for","start":3183.615,"end":3183.7751,"confidence":0.9992712,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.617940366268158},{"word":"you","start":3183.7751,"end":3184.0151,"confidence":0.969821,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5397927761077881},{"word":"some","start":3184.0151,"end":3184.2551,"confidence":0.99960786,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5209980010986328},{"word":"different","start":3184.2551,"end":3184.655,"confidence":0.9998969,"punctuated_word":"different","sentiment":"positive","sentiment_score":0.4374485611915589},{"word":"strategies","start":3184.655,"end":3185.155,"confidence":0.9997464,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.32153141498565674},{"word":"to","start":3185.215,"end":3185.455,"confidence":0.9964701,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4362228512763977},{"word":"assess","start":3185.455,"end":3185.955,"confidence":0.89792037,"punctuated_word":"assess,","sentiment":"positive","sentiment_score":0.38924604654312134},{"word":"and","start":3186.3352,"end":3186.495,"confidence":0.98293006,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.40676987171173096},{"word":"we","start":3186.495,"end":3186.735,"confidence":0.9996836,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4501272737979889},{"word":"can","start":3186.735,"end":3186.895,"confidence":0.9994386,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4921770989894867},{"word":"update","start":3186.895,"end":3187.2952,"confidence":0.9996723,"punctuated_word":"update","sentiment":"positive","sentiment_score":0.3906852602958679},{"word":"the","start":3187.2952,"end":3187.455,"confidence":0.99922645,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4167076349258423},{"word":"advice","start":3187.455,"end":3187.855,"confidence":0.94267243,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.3533758223056793},{"word":"document","start":3187.855,"end":3188.2551,"confidence":0.9992987,"punctuated_word":"document","sentiment":"positive","sentiment_score":0.35524892807006836},{"word":"and","start":3188.2551,"end":3188.495,"confidence":0.9633681,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3515462875366211},{"word":"come","start":3188.495,"end":3188.655,"confidence":0.99964917,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.43953707814216614},{"word":"back","start":3188.655,"end":3188.895,"confidence":0.9999044,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4648171663284302},{"word":"and","start":3188.895,"end":3189.0552,"confidence":0.9959757,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3776885569095611},{"word":"show","start":3189.0552,"end":3189.215,"confidence":0.9999155,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.40045884251594543},{"word":"you","start":3189.215,"end":3189.375,"confidence":0.99882823,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.46744292974472046},{"word":"what","start":3189.375,"end":3189.615,"confidence":0.9997763,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4259046018123626},{"word":"that","start":3189.615,"end":3189.855,"confidence":0.99991786,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4830690622329712},{"word":"looks","start":3189.855,"end":3190.0952,"confidence":0.999694,"punctuated_word":"looks","sentiment":"positive","sentiment_score":0.3622325658798218},{"word":"like","start":3190.0952,"end":3190.56,"confidence":0.9986659,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.376797616481781},{"word":"so","start":3191.04,"end":3191.12,"confidence":0.9983864,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4072850048542022},{"word":"you","start":3191.12,"end":3191.28,"confidence":0.99915993,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.45508697628974915},{"word":"can","start":3191.28,"end":3191.52,"confidence":0.99950135,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.37713560461997986},{"word":"decide","start":3191.52,"end":3191.84,"confidence":0.9999144,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.25873836874961853},{"word":"whether","start":3191.84,"end":3192.08,"confidence":0.9998247,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.1837337762117386},{"word":"you're","start":3192.08,"end":3192.24,"confidence":0.9867036,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.30436259508132935},{"word":"happy","start":3192.24,"end":3192.56,"confidence":0.9990872,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.23036110401153564},{"word":"to","start":3192.56,"end":3192.6401,"confidence":0.99516773,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20287826657295227},{"word":"take","start":3192.6401,"end":3192.8801,"confidence":0.99987614,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.20484226942062375},{"word":"on","start":3192.8801,"end":3193.04,"confidence":0.99947053,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.27555906772613525},{"word":"the","start":3193.04,"end":3193.2,"confidence":0.9995902,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30643266439437866},{"word":"advice","start":3193.2,"end":3193.6,"confidence":0.99779606,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2157224267721176},{"word":"or","start":3193.6,"end":3193.76,"confidence":0.99252784,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17320886254310608},{"word":"not","start":3193.76,"end":3193.9202,"confidence":0.99886215,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.1271296590566635},{"word":"does","start":3193.9202,"end":3194.08,"confidence":0.99874383,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.2080932259559631},{"word":"that","start":3194.08,"end":3194.32,"confidence":0.99977547,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3856945037841797},{"word":"sound","start":3194.32,"end":3194.56,"confidence":0.99759126,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.23291128873825073},{"word":"okay","start":3194.56,"end":3194.96,"confidence":0.99867785,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":0.2268328368663788},{"word":"darren","start":3194.96,"end":3195.46,"confidence":0.96782947,"punctuated_word":"Darren?","sentiment":"neutral","sentiment_score":0.19902746379375455},{"word":"yep","start":3196.8,"end":3197.3,"confidence":0.7887351,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3783959746360779},{"word":"beautiful","start":3197.52,"end":3198.02,"confidence":0.9847652,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6281440854072571},{"word":"do","start":3198.08,"end":3198.24,"confidence":0.98999983,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.19726717472076416},{"word":"you","start":3198.24,"end":3198.4001,"confidence":0.99984956,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19928766787052157},{"word":"have","start":3198.4001,"end":3198.56,"confidence":0.99995136,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1692371517419815},{"word":"any","start":3198.56,"end":3198.72,"confidence":0.99945086,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2051856070756912},{"word":"questions","start":3198.72,"end":3199.12,"confidence":0.999499,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.19802749156951904},{"word":"i","start":3199.12,"end":3199.28,"confidence":0.9998981,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08992679417133331},{"word":"know","start":3199.28,"end":3199.44,"confidence":0.99994075,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.08649139851331711},{"word":"i've","start":3199.44,"end":3199.6802,"confidence":0.9985281,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08338060230016708},{"word":"asked","start":3199.6802,"end":3199.84,"confidence":0.99957424,"punctuated_word":"asked","sentiment":"neutral","sentiment_score":0.15821173787117004},{"word":"you","start":3199.84,"end":3200.08,"confidence":0.99966764,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13128739595413208},{"word":"everything","start":3200.08,"end":3200.48,"confidence":0.9995345,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.14276927709579468},{"word":"under","start":3200.48,"end":3200.72,"confidence":0.9991666,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.1254531443119049},{"word":"the","start":3200.72,"end":3200.8801,"confidence":0.99220043,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1843692809343338},{"word":"sun","start":3200.8801,"end":3201.12,"confidence":0.9608736,"punctuated_word":"sun.","sentiment":"neutral","sentiment_score":0.2302606701850891},{"word":"i","start":3201.12,"end":3201.28,"confidence":0.9998332,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16224810481071472},{"word":"know","start":3201.28,"end":3201.44,"confidence":0.9999306,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1964526325464249},{"word":"as","start":3201.44,"end":3201.6,"confidence":0.9987531,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2287837266921997},{"word":"much","start":3201.6,"end":3201.84,"confidence":0.9999374,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1884971261024475},{"word":"about","start":3201.84,"end":3202.1602,"confidence":0.9989864,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18745578825473783},{"word":"you","start":3202.1602,"end":3202.4001,"confidence":0.99985325,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2533571422100067},{"word":"as","start":3202.4001,"end":3202.56,"confidence":0.9997503,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26640206575393677},{"word":"possible","start":3202.56,"end":3203.04,"confidence":0.7746087,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.16967856884002686},{"word":"but","start":3203.04,"end":3203.36,"confidence":0.9989281,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0541764497756958},{"word":"do","start":3203.36,"end":3203.52,"confidence":0.9989735,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.006914094090461731},{"word":"you","start":3203.52,"end":3203.6802,"confidence":0.9996823,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034713588654994965},{"word":"have","start":3203.6802,"end":3203.9202,"confidence":0.99984264,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.017788782715797424},{"word":"any","start":3203.9202,"end":3204.08,"confidence":0.99920964,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.020907137542963028},{"word":"questions","start":3204.08,"end":3204.56,"confidence":0.9994597,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.007848121225833893},{"word":"for","start":3204.56,"end":3204.72,"confidence":0.99189514,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.027365848422050476},{"word":"me","start":3204.72,"end":3205.185,"confidence":0.99874854,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":-0.001926446333527565},{"word":"did","start":3205.2651,"end":3205.345,"confidence":0.9970547,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.03343014419078827},{"word":"you","start":3205.345,"end":3205.5051,"confidence":0.999905,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005362160503864288},{"word":"want","start":3205.5051,"end":3205.585,"confidence":0.9996406,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.025426078587770466},{"word":"me","start":3205.585,"end":3205.665,"confidence":0.99988854,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0004999414086341858},{"word":"to","start":3205.665,"end":3205.905,"confidence":0.9997032,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006438888609409332},{"word":"kinda","start":3205.905,"end":3206.225,"confidence":0.9247532,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.0052742548286914825},{"word":"break","start":3206.225,"end":3206.465,"confidence":0.999458,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.01551869511604309},{"word":"anything","start":3206.465,"end":3206.945,"confidence":0.9997812,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.013315148651599884},{"word":"further","start":3206.945,"end":3207.2651,"confidence":0.998774,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.032353632152080536},{"word":"down","start":3207.2651,"end":3207.585,"confidence":0.99970526,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.01743268594145775},{"word":"for","start":3207.585,"end":3207.745,"confidence":0.9997391,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.009021952748298643},{"word":"you","start":3207.745,"end":3208.245,"confidence":0.9480598,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.000692952424287796},{"word":"or","start":3208.3052,"end":3208.385,"confidence":0.6153087,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.07250501215457916},{"word":"yep","start":3212.625,"end":3213.125,"confidence":0.8377875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18317203223705292},{"word":"beautiful","start":3213.585,"end":3214.085,"confidence":0.9984923,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5696365237236023},{"word":"well","start":3214.145,"end":3214.385,"confidence":0.9953624,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.225054994225502},{"word":"if","start":3214.385,"end":3214.5452,"confidence":0.99930036,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20199322700500488},{"word":"you","start":3214.5452,"end":3214.625,"confidence":0.9996197,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19048401713371277},{"word":"find","start":3214.625,"end":3214.865,"confidence":0.97550017,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.15636737644672394},{"word":"you","start":3214.865,"end":3215.105,"confidence":0.94113994,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11915336549282074},{"word":"do","start":3215.105,"end":3215.2651,"confidence":0.9917551,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09312791377305984},{"word":"have","start":3215.2651,"end":3215.5051,"confidence":0.9850755,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0903608500957489},{"word":"questions","start":3215.5051,"end":3215.905,"confidence":0.9977856,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.09972880780696868},{"word":"please","start":3215.905,"end":3216.225,"confidence":0.99982387,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.14257320761680603},{"word":"do","start":3216.225,"end":3216.465,"confidence":0.9981383,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11398034542798996},{"word":"let","start":3216.465,"end":3216.625,"confidence":0.9980982,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.14257986843585968},{"word":"me","start":3216.625,"end":3216.7852,"confidence":0.999863,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1353335082530975},{"word":"know","start":3216.7852,"end":3217.2,"confidence":0.9996109,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.15832731127738953},{"word":"i","start":3217.68,"end":3217.76,"confidence":0.9482845,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19580167531967163},{"word":"have","start":3217.76,"end":3218.0798,"confidence":0.99973255,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1735706627368927},{"word":"sent","start":3218.0798,"end":3218.32,"confidence":0.97443616,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.2312021553516388},{"word":"the","start":3218.32,"end":3218.48,"confidence":0.84413683,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16546055674552915},{"word":"annual","start":3218.48,"end":3218.8,"confidence":0.98929346,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.17630431056022644},{"word":"review","start":3218.8,"end":3219.1199,"confidence":0.99376243,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1512635201215744},{"word":"documents","start":3219.1199,"end":3219.5999,"confidence":0.99891996,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.1679532378911972},{"word":"to","start":3219.5999,"end":3219.76,"confidence":0.99912685,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27280256152153015},{"word":"you","start":3219.76,"end":3220.0,"confidence":0.90893257,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2322443425655365},{"word":"which","start":3220.0,"end":3220.16,"confidence":0.99988604,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2275777906179428},{"word":"does","start":3220.16,"end":3220.4,"confidence":0.9998634,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2303294837474823},{"word":"give","start":3220.4,"end":3220.64,"confidence":0.9998758,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2184011936187744},{"word":"you","start":3220.64,"end":3221.04,"confidence":0.99986327,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.258587121963501},{"word":"a","start":3221.04,"end":3221.28,"confidence":0.99985874,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25011077523231506},{"word":"summary","start":3221.28,"end":3221.5999,"confidence":0.99994934,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.2273927330970764},{"word":"of","start":3221.5999,"end":3221.68,"confidence":0.9999014,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2739042639732361},{"word":"your","start":3221.68,"end":3221.92,"confidence":0.9998722,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2717507779598236},{"word":"balance","start":3221.92,"end":3222.24,"confidence":0.9858607,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.22806236147880551},{"word":"it","start":3222.24,"end":3222.4,"confidence":0.9959407,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2004125565290451},{"word":"also","start":3222.4,"end":3222.72,"confidence":0.99898976,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17670756578445437},{"word":"has","start":3222.72,"end":3222.96,"confidence":0.9956802,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1867937594652176},{"word":"the","start":3222.96,"end":3223.1199,"confidence":0.8454142,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19975776970386505},{"word":"internal","start":3223.1199,"end":3223.52,"confidence":0.9997292,"punctuated_word":"internal","sentiment":"neutral","sentiment_score":0.24874725937843323},{"word":"rate","start":3223.52,"end":3223.76,"confidence":0.99928826,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.2602483332157135},{"word":"of","start":3223.76,"end":3223.92,"confidence":0.9994678,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21401049196720123},{"word":"return","start":3223.92,"end":3224.32,"confidence":0.9985875,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.17104823887348175},{"word":"report","start":3224.32,"end":3224.72,"confidence":0.99926156,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.2002052366733551},{"word":"that","start":3224.72,"end":3224.88,"confidence":0.9998379,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1914934515953064},{"word":"we","start":3224.88,"end":3224.96,"confidence":0.9998274,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19470727443695068},{"word":"went","start":3224.96,"end":3225.2,"confidence":0.9999424,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.24082648754119873},{"word":"through","start":3225.2,"end":3225.5999,"confidence":0.8225269,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.21209022402763367},{"word":"giving","start":3225.5999,"end":3226.0,"confidence":0.99889475,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2064119279384613},{"word":"you","start":3226.0,"end":3226.16,"confidence":0.9999163,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25448158383369446},{"word":"the","start":3226.16,"end":3226.4,"confidence":0.9997632,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2025545239448547},{"word":"returns","start":3226.4,"end":3226.8,"confidence":0.99790776,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.1960005164146423},{"word":"and","start":3226.8,"end":3227.04,"confidence":0.95033973,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2964153289794922},{"word":"how","start":3227.04,"end":3227.2,"confidence":0.9999125,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.28814440965652466},{"word":"your","start":3227.2,"end":3227.3599,"confidence":0.9907045,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32596051692962646},{"word":"sleeper","start":3227.3599,"end":3227.8398,"confidence":0.75891393,"punctuated_word":"sleeper","sentiment":"neutral","sentiment_score":0.29225730895996094},{"word":"has","start":3227.8398,"end":3228.0798,"confidence":0.99918073,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2783695161342621},{"word":"performed","start":3228.0798,"end":3228.5798,"confidence":0.9980689,"punctuated_word":"performed.","sentiment":"neutral","sentiment_score":0.2376898229122162},{"word":"it's","start":3229.2,"end":3229.52,"confidence":0.9316602,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14051194489002228},{"word":"also","start":3229.52,"end":3229.92,"confidence":0.9985154,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11744445562362672},{"word":"got","start":3229.92,"end":3230.0798,"confidence":0.99904364,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14767161011695862},{"word":"there","start":3230.0798,"end":3230.32,"confidence":0.6971457,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12484944611787796},{"word":"the","start":3230.32,"end":3230.4,"confidence":0.9912646,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1582116335630417},{"word":"ongoing","start":3230.4,"end":3230.9,"confidence":0.99845886,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.13686683773994446},{"word":"service","start":3230.96,"end":3231.3599,"confidence":0.99971443,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.11545994877815248},{"word":"agreement","start":3231.3599,"end":3231.8599,"confidence":0.99981815,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.12140881270170212},{"word":"attached","start":3231.92,"end":3232.365,"confidence":0.7691915,"punctuated_word":"attached,","sentiment":"neutral","sentiment_score":0.11639814078807832},{"word":"so","start":3232.605,"end":3232.845,"confidence":0.9989292,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1627233624458313},{"word":"that's","start":3232.845,"end":3233.2449,"confidence":0.99922305,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.16732299327850342},{"word":"essentially","start":3233.2449,"end":3233.565,"confidence":0.93626297,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.14539694786071777},{"word":"just","start":3233.565,"end":3233.725,"confidence":0.99854374,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1729402244091034},{"word":"letting","start":3233.725,"end":3233.965,"confidence":0.99994373,"punctuated_word":"letting","sentiment":"neutral","sentiment_score":0.2012200951576233},{"word":"you","start":3233.965,"end":3234.125,"confidence":0.99962115,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2264326214790344},{"word":"know","start":3234.125,"end":3234.285,"confidence":0.9998543,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.21891309320926663},{"word":"that","start":3234.285,"end":3234.365,"confidence":0.9996728,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.137302428483963},{"word":"you","start":3234.365,"end":3234.605,"confidence":0.9999107,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19972582161426544},{"word":"do","start":3234.605,"end":3234.685,"confidence":0.99939525,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1867617666721344},{"word":"pay","start":3234.685,"end":3234.925,"confidence":0.99936146,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.20000796020030975},{"word":"an","start":3234.925,"end":3235.085,"confidence":0.99722916,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15157771110534668},{"word":"ongoing","start":3235.085,"end":3235.565,"confidence":0.99919564,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.18229573965072632},{"word":"service","start":3235.565,"end":3235.965,"confidence":0.99512213,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.1215701475739479},{"word":"fee","start":3235.965,"end":3236.205,"confidence":0.9911451,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.2273060530424118},{"word":"for","start":3236.205,"end":3236.285,"confidence":0.9432466,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1667807400226593},{"word":"our","start":3236.285,"end":3236.525,"confidence":0.9963779,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.18308785557746887},{"word":"services","start":3236.525,"end":3237.005,"confidence":0.98116004,"punctuated_word":"services,","sentiment":"neutral","sentiment_score":0.19929802417755127},{"word":"which","start":3237.005,"end":3237.2449,"confidence":0.9999157,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.19365642964839935},{"word":"is","start":3237.2449,"end":3237.405,"confidence":0.9994611,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12129314243793488},{"word":"1.65%","start":3237.405,"end":3238.685,"confidence":0.9962055,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.1928935945034027},{"word":"per","start":3238.685,"end":3238.845,"confidence":0.9773301,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.1621907651424408},{"word":"annum","start":3238.845,"end":3239.345,"confidence":0.9940815,"punctuated_word":"annum.","sentiment":"neutral","sentiment_score":0.15234357118606567},{"word":"it","start":3239.645,"end":3239.805,"confidence":0.98138833,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1379871517419815},{"word":"is","start":3239.805,"end":3240.045,"confidence":0.9808203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12512080371379852},{"word":"deducted","start":3240.045,"end":3240.525,"confidence":0.95666796,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.17054298520088196},{"word":"in","start":3240.525,"end":3240.605,"confidence":0.9881174,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17380709946155548},{"word":"smaller","start":3240.605,"end":3240.925,"confidence":0.89668524,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.20265184342861176},{"word":"monthly","start":3240.925,"end":3241.325,"confidence":0.98893905,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.13939177989959717},{"word":"increments","start":3241.325,"end":3241.725,"confidence":0.9850641,"punctuated_word":"increments","sentiment":"neutral","sentiment_score":0.18290174007415771},{"word":"out","start":3241.725,"end":3241.885,"confidence":0.99689376,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.23641298711299896},{"word":"of","start":3241.885,"end":3242.045,"confidence":0.99807966,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22812461853027344},{"word":"your","start":3242.045,"end":3242.205,"confidence":0.99280626,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2581261098384857},{"word":"super","start":3242.205,"end":3242.525,"confidence":0.9445036,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.2491825371980667},{"word":"and","start":3242.525,"end":3242.685,"confidence":0.9996383,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2616560459136963},{"word":"that","start":3242.685,"end":3242.845,"confidence":0.9979784,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22561827301979065},{"word":"allows","start":3242.845,"end":3243.165,"confidence":0.9999039,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.2885828912258148},{"word":"us","start":3243.165,"end":3243.325,"confidence":0.99969673,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.31142133474349976},{"word":"to","start":3243.325,"end":3243.485,"confidence":0.99955064,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3190607726573944},{"word":"be","start":3243.485,"end":3243.645,"confidence":0.9997284,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3047710955142975},{"word":"looking","start":3243.645,"end":3243.965,"confidence":0.9997029,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3373475968837738},{"word":"after","start":3243.965,"end":3244.125,"confidence":0.9739459,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.33216577768325806},{"word":"your","start":3244.125,"end":3244.38,"confidence":0.9425395,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35840871930122375},{"word":"super","start":3244.46,"end":3244.7798,"confidence":0.83848196,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.3950541615486145},{"word":"monitoring","start":3244.7798,"end":3245.2598,"confidence":0.9980642,"punctuated_word":"monitoring","sentiment":"positive","sentiment_score":0.34799885749816895},{"word":"everything","start":3245.2598,"end":3245.5798,"confidence":0.9991798,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4321790039539337},{"word":"for","start":3245.5798,"end":3245.8198,"confidence":0.99961025,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.41365042328834534},{"word":"you","start":3245.8198,"end":3245.98,"confidence":0.9198311,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.340191125869751},{"word":"but","start":3245.98,"end":3246.14,"confidence":0.9991454,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.34578073024749756},{"word":"also","start":3246.14,"end":3246.5398,"confidence":0.8479872,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.3085709512233734},{"word":"updating","start":3246.5398,"end":3246.94,"confidence":0.9528072,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.3274826407432556},{"word":"the","start":3246.94,"end":3247.0999,"confidence":0.80944467,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3594067096710205},{"word":"advice","start":3247.0999,"end":3247.42,"confidence":0.95973635,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.3739502429962158},{"word":"and","start":3247.42,"end":3247.5798,"confidence":0.91387945,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4269321858882904},{"word":"the","start":3247.5798,"end":3247.74,"confidence":0.9597787,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4221837818622589},{"word":"strategies","start":3247.74,"end":3248.22,"confidence":0.9239267,"punctuated_word":"strategies.","sentiment":"neutral","sentiment_score":0.31336551904678345},{"word":"there's","start":3248.22,"end":3248.38,"confidence":0.9990088,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.22329041361808777},{"word":"no","start":3248.38,"end":3248.6199,"confidence":0.99951744,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2104551792144775},{"word":"additional","start":3248.6199,"end":3249.0999,"confidence":0.99985886,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.10887601971626282},{"word":"fees","start":3249.0999,"end":3249.3398,"confidence":0.9631645,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.1456947922706604},{"word":"for","start":3249.3398,"end":3249.5798,"confidence":0.9900693,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19001203775405884},{"word":"that","start":3249.5798,"end":3249.9,"confidence":0.9946596,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.19995370507240295},{"word":"so","start":3249.9,"end":3250.4,"confidence":0.9997229,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27963072061538696},{"word":"if","start":3250.46,"end":3250.6199,"confidence":0.99007684,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3043323755264282},{"word":"i","start":3250.6199,"end":3250.7,"confidence":0.99988735,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26236236095428467},{"word":"can","start":3250.7,"end":3250.8599,"confidence":0.99992585,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2569364607334137},{"word":"get","start":3250.8599,"end":3251.0198,"confidence":0.9997614,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3174571990966797},{"word":"you","start":3251.0198,"end":3251.18,"confidence":0.999653,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3149769604206085},{"word":"to","start":3251.18,"end":3251.2598,"confidence":0.9989323,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3261972665786743},{"word":"run","start":3251.2598,"end":3251.5,"confidence":0.9998332,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.2526977062225342},{"word":"your","start":3251.5,"end":3251.74,"confidence":0.9985191,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2708873152732849},{"word":"eyes","start":3251.74,"end":3251.98,"confidence":0.9988741,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.279013991355896},{"word":"over","start":3251.98,"end":3252.22,"confidence":0.999728,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2804501950740814},{"word":"the","start":3252.22,"end":3252.38,"confidence":0.9994287,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2385728806257248},{"word":"documents","start":3252.38,"end":3252.88,"confidence":0.9961403,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.18676358461380005},{"word":"there","start":3252.94,"end":3253.2598,"confidence":0.9428611,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.24259302020072937},{"word":"return","start":3253.2598,"end":3253.66,"confidence":0.9966427,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.2437694221735001},{"word":"those","start":3253.66,"end":3253.8198,"confidence":0.79416114,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.244113028049469},{"word":"and","start":3253.8198,"end":3253.9,"confidence":0.3676489,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2714344561100006},{"word":"your","start":3253.9,"end":3254.0598,"confidence":0.6689698,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3514305353164673},{"word":"review","start":3254.0598,"end":3254.5398,"confidence":0.9097934,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.20913107693195343},{"word":"documents","start":3254.5398,"end":3255.0198,"confidence":0.9717371,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.2215023636817932},{"word":"back","start":3255.0198,"end":3255.18,"confidence":0.9967219,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2784145772457123},{"word":"for","start":3255.18,"end":3255.42,"confidence":0.9988682,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2975299656391144},{"word":"us","start":3255.42,"end":3255.92,"confidence":0.8234936,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.2346126288175583},{"word":"you'll","start":3256.22,"end":3256.46,"confidence":0.8047738,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.1811772882938385},{"word":"also","start":3256.46,"end":3256.8599,"confidence":0.99910516,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.14502361416816711},{"word":"have","start":3256.8599,"end":3257.0999,"confidence":0.9957469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20266342163085935},{"word":"in","start":3257.0999,"end":3257.3398,"confidence":0.9935441,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1663050651550293},{"word":"there","start":3257.3398,"end":3257.66,"confidence":0.9796521,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15579788386821747},{"word":"the","start":3257.66,"end":3257.9,"confidence":0.9942268,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22993436455726624},{"word":"financial","start":3257.9,"end":3258.4,"confidence":0.99479866,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.20081181824207303},{"word":"services","start":3258.46,"end":3258.96,"confidence":0.997551,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.16298706829547882},{"word":"guide","start":3259.005,"end":3259.2449,"confidence":0.8813821,"punctuated_word":"guide,","sentiment":"neutral","sentiment_score":0.19511395692825317},{"word":"which","start":3259.2449,"end":3259.4849,"confidence":0.99977595,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.21599796414375305},{"word":"outlines","start":3259.4849,"end":3259.9648,"confidence":0.987578,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.2252614200115204},{"word":"everything","start":3259.9648,"end":3260.365,"confidence":0.9985991,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2133073657751083},{"word":"about","start":3260.365,"end":3260.605,"confidence":0.99964976,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16787496209144592},{"word":"who","start":3260.605,"end":3260.765,"confidence":0.9997284,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.1258370280265808},{"word":"we","start":3260.765,"end":3260.9248,"confidence":0.9993229,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18817070126533508},{"word":"are","start":3260.9248,"end":3261.1648,"confidence":0.9992881,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.19810083508491516},{"word":"what","start":3261.1648,"end":3261.325,"confidence":0.99983513,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22634270787239075},{"word":"we","start":3261.325,"end":3261.4849,"confidence":0.9993703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23041599988937375},{"word":"do","start":3261.4849,"end":3261.6448,"confidence":0.9814102,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.20611746609210968},{"word":"and","start":3261.6448,"end":3261.805,"confidence":0.9997415,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24104155600070953},{"word":"how","start":3261.805,"end":3262.045,"confidence":0.9997855,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.25828829407691956},{"word":"we","start":3262.045,"end":3262.2048,"confidence":0.9947962,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22740672528743744},{"word":"do","start":3262.2048,"end":3262.285,"confidence":0.99880266,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2430455982685089},{"word":"it","start":3262.285,"end":3262.525,"confidence":0.98921096,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.27105581760406494},{"word":"it","start":3262.525,"end":3262.765,"confidence":0.9992224,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2559615969657898},{"word":"outlines","start":3262.765,"end":3263.1648,"confidence":0.9976561,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.2553390860557556},{"word":"all","start":3263.1648,"end":3263.325,"confidence":0.9982881,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3028299808502197},{"word":"the","start":3263.325,"end":3263.4849,"confidence":0.99744785,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29089465737342834},{"word":"important","start":3263.4849,"end":3263.9648,"confidence":0.99944633,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.23917564749717712},{"word":"aspects","start":3263.9648,"end":3264.365,"confidence":0.89176965,"punctuated_word":"aspects","sentiment":"neutral","sentiment_score":0.276854544878006},{"word":"of","start":3264.365,"end":3264.525,"confidence":0.8911472,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25241419672966003},{"word":"our","start":3264.525,"end":3264.765,"confidence":0.8747353,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.2361525446176529},{"word":"job","start":3264.765,"end":3265.265,"confidence":0.9740518,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":0.2577754259109497},{"word":"making","start":3265.4849,"end":3265.7249,"confidence":0.996024,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.26456505060195923},{"word":"sure","start":3265.7249,"end":3265.8848,"confidence":0.99953127,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.22455325722694397},{"word":"that","start":3265.8848,"end":3266.045,"confidence":0.9997043,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22018742561340332},{"word":"we're","start":3266.045,"end":3266.365,"confidence":0.9980403,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.19484949111938477},{"word":"abiding","start":3266.365,"end":3266.6848,"confidence":0.9971585,"punctuated_word":"abiding","sentiment":"neutral","sentiment_score":0.17536357045173645},{"word":"by","start":3266.6848,"end":3266.845,"confidence":0.9987452,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.14092645049095154},{"word":"the","start":3266.845,"end":3266.9248,"confidence":0.9847548,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031553030014038086},{"word":"corporations","start":3266.9248,"end":3267.4248,"confidence":0.61101305,"punctuated_word":"corporations","sentiment":"neutral","sentiment_score":0.004203811287879944},{"word":"act","start":3267.7249,"end":3268.2249,"confidence":0.5650548,"punctuated_word":"act","sentiment":"neutral","sentiment_score":-0.03678114712238312},{"word":"specifically","start":3268.525,"end":3269.025,"confidence":0.75553226,"punctuated_word":"specifically","sentiment":"neutral","sentiment_score":0.008633926510810852},{"word":"sorry","start":3269.325,"end":3269.7249,"confidence":0.7602289,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.034201234579086304},{"word":"specifically","start":3269.7249,"end":3270.2249,"confidence":0.7496543,"punctuated_word":"specifically,","sentiment":"neutral","sentiment_score":0.04098259285092354},{"word":"section","start":3270.845,"end":3271.325,"confidence":0.96438897,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.03661900758743286},{"word":"nine","start":3271.325,"end":3271.4849,"confidence":0.9915207,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.059713929891586304},{"word":"of","start":3271.4849,"end":3271.6448,"confidence":0.9954724,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1291629672050476},{"word":"that","start":3271.6448,"end":3271.9648,"confidence":0.97347283,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09554621577262878},{"word":"we","start":3271.9648,"end":3272.125,"confidence":0.82111454,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.15015044808387756},{"word":"also","start":3272.125,"end":3272.4448,"confidence":0.9852129,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11728577315807344},{"word":"make","start":3272.4448,"end":3272.605,"confidence":0.89614797,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12211912125349043},{"word":"sure","start":3272.605,"end":3272.765,"confidence":0.9882731,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.11356467008590698},{"word":"that","start":3272.765,"end":3272.9248,"confidence":0.9885202,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14562752842903137},{"word":"we","start":3272.9248,"end":3273.085,"confidence":0.98567003,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15905946493148804},{"word":"abide","start":3273.085,"end":3273.0938,"confidence":0.97819376,"punctuated_word":"abide","sentiment":"neutral","sentiment_score":0.15397551655769348},{"word":"by","start":3273.0938,"end":3273.1028,"confidence":0.9758641,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.14631810784339905},{"word":"privacy","start":3273.1028,"end":3273.1116,"confidence":0.9688419,"punctuated_word":"privacy","sentiment":"neutral","sentiment_score":0.10668447613716124},{"word":"rules","start":3273.1116,"end":3273.1206,"confidence":0.89820135,"punctuated_word":"rules","sentiment":"neutral","sentiment_score":0.15939809381961825},{"word":"and","start":3273.1206,"end":3273.1294,"confidence":0.67217755,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2288808822631836},{"word":"regulations","start":3273.1294,"end":3273.1382,"confidence":0.77700806,"punctuated_word":"regulations,","sentiment":"neutral","sentiment_score":0.18419817090034485},{"word":"making","start":3273.1382,"end":3273.1472,"confidence":0.7940084,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2017514705657959},{"word":"sure","start":3273.1472,"end":3273.156,"confidence":0.9712252,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.20133957266807556},{"word":"to","start":3273.156,"end":3273.165,"confidence":0.4139789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18014688789844513},{"word":"do","start":3273.165,"end":3273.1738,"confidence":0.83650446,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1632712036371231},{"word":"security","start":3273.1738,"end":3273.1826,"confidence":0.83199114,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.07447420060634613},{"word":"with","start":3273.1826,"end":3273.1917,"confidence":0.7352224,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2426404058933258},{"word":"you","start":3273.1917,"end":3273.2004,"confidence":0.84454983,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3434560298919678},{"word":"on","start":3273.2004,"end":3273.2092,"confidence":0.89132947,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3181326985359192},{"word":"a","start":3273.2092,"end":3273.2183,"confidence":0.76180667,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24638350307941437},{"word":"regular","start":3273.2183,"end":3273.227,"confidence":0.6753769,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.30709946155548096},{"word":"basis","start":3273.227,"end":3273.236,"confidence":0.814389,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":-0.004335409961640835},{"word":"and","start":3273.236,"end":3273.2449,"confidence":0.6683975,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11463404446840286},{"word":"if","start":3273.2449,"end":3273.4949,"confidence":0.5447237,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06299719959497452},{"word":"you","start":3273.4949,"end":3273.9949,"confidence":0.5993015,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027426354587078094},{"word":"and","start":3278.66,"end":3278.82,"confidence":0.8428578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.060654278844594955},{"word":"if","start":3278.82,"end":3278.98,"confidence":0.998594,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10674875229597092},{"word":"you","start":3278.98,"end":3279.06,"confidence":0.9997464,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12428873777389526},{"word":"wanna","start":3279.06,"end":3279.3,"confidence":0.9989687,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1360667198896408},{"word":"have","start":3279.3,"end":3279.46,"confidence":0.9994654,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15461677312850952},{"word":"a","start":3279.46,"end":3279.54,"confidence":0.9979961,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1453956514596939},{"word":"look","start":3279.54,"end":3279.78,"confidence":0.99983907,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15212348103523254},{"word":"through","start":3279.78,"end":3280.02,"confidence":0.9995603,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.256704717874527},{"word":"that","start":3280.02,"end":3280.26,"confidence":0.99955493,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21392717957496643},{"word":"document","start":3280.26,"end":3280.58,"confidence":0.978503,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.20211464166641235},{"word":"it's","start":3280.58,"end":3280.74,"confidence":0.9869478,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3817077577114105},{"word":"also","start":3280.74,"end":3280.98,"confidence":0.9984654,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2058025598526001},{"word":"got","start":3280.98,"end":3281.14,"confidence":0.9716713,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5115278959274292},{"word":"a","start":3281.14,"end":3281.22,"confidence":0.9966763,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.519787609577179},{"word":"lovely","start":3281.22,"end":3281.54,"confidence":0.9994311,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.7222380638122559},{"word":"picture","start":3281.54,"end":3281.8599,"confidence":0.9979388,"punctuated_word":"picture","sentiment":"positive","sentiment_score":0.585706353187561},{"word":"of","start":3281.8599,"end":3282.02,"confidence":0.9988763,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4089114367961883},{"word":"me","start":3282.02,"end":3282.18,"confidence":0.99971443,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4773717224597931},{"word":"in","start":3282.18,"end":3282.34,"confidence":0.99898213,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5612781047821045},{"word":"there","start":3282.34,"end":3282.58,"confidence":0.6941813,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.6001498699188232},{"word":"so","start":3282.58,"end":3282.82,"confidence":0.99886656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3215465843677521},{"word":"you","start":3282.82,"end":3282.98,"confidence":0.9994615,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2519110143184662},{"word":"can","start":3282.98,"end":3283.14,"confidence":0.9843454,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2556772232055664},{"word":"also","start":3283.14,"end":3283.46,"confidence":0.9976653,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2280691564083099},{"word":"see","start":3283.46,"end":3283.6199,"confidence":0.9957561,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3092266917228699},{"word":"what","start":3283.6199,"end":3283.8599,"confidence":0.98230815,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2589435279369354},{"word":"i","start":3283.8599,"end":3284.02,"confidence":0.9998357,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26870307326316833},{"word":"look","start":3284.02,"end":3284.26,"confidence":0.99688256,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2742270529270172},{"word":"like","start":3284.26,"end":3284.42,"confidence":0.99496883,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.21911004185676575},{"word":"and","start":3284.42,"end":3284.58,"confidence":0.9831792,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2009253054857254},{"word":"get","start":3284.58,"end":3284.74,"confidence":0.9995084,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23665010929107663},{"word":"a","start":3284.74,"end":3284.82,"confidence":0.9991881,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2971917688846588},{"word":"bit","start":3284.82,"end":3284.98,"confidence":0.99972993,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.27290773391723633},{"word":"of","start":3284.98,"end":3285.14,"confidence":0.99943835,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3964784443378449},{"word":"an","start":3285.14,"end":3285.22,"confidence":0.999305,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.3648153841495514},{"word":"idea","start":3285.22,"end":3285.54,"confidence":0.99891424,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.184956893324852},{"word":"of","start":3285.54,"end":3285.7,"confidence":0.999,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15413212776184082},{"word":"who","start":3285.7,"end":3285.8599,"confidence":0.9995466,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.11993475258350372},{"word":"i","start":3285.8599,"end":3286.02,"confidence":0.9994692,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2038931101560593},{"word":"am","start":3286.02,"end":3286.26,"confidence":0.99956137,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.21342502534389496},{"word":"as","start":3286.26,"end":3286.42,"confidence":0.9988519,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21012188494205475},{"word":"a","start":3286.42,"end":3286.5,"confidence":0.80493903,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24397757649421692},{"word":"financial","start":3286.5,"end":3287.0,"confidence":0.9994727,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.27745521068573},{"word":"adviser","start":3287.06,"end":3287.56,"confidence":0.9532399,"punctuated_word":"adviser.","sentiment":"neutral","sentiment_score":0.18620295822620392},{"word":"okay","start":3287.78,"end":3288.28,"confidence":0.95074236,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1884097158908844},{"word":"beautiful","start":3290.165,"end":3290.665,"confidence":0.9977994,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7372420430183411},{"word":"beautiful","start":3290.805,"end":3291.305,"confidence":0.9998991,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7451013326644897},{"word":"did","start":3291.445,"end":3291.7651,"confidence":0.99631065,"punctuated_word":"Did","sentiment":"positive","sentiment_score":0.39747488498687744},{"word":"you","start":3291.7651,"end":3291.845,"confidence":0.9997625,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4167819619178772},{"word":"have","start":3291.845,"end":3292.085,"confidence":0.9998864,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3079937994480133},{"word":"any","start":3292.085,"end":3292.325,"confidence":0.9998616,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2727084159851074},{"word":"other","start":3292.325,"end":3292.565,"confidence":0.99949706,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2486853003501892},{"word":"questions","start":3292.565,"end":3293.045,"confidence":0.9936724,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.21225669980049133},{"word":"have","start":3293.045,"end":3293.285,"confidence":0.9994217,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.1568581908941269},{"word":"i","start":3293.285,"end":3293.365,"confidence":0.9972133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2385299801826477},{"word":"sort","start":3293.365,"end":3293.525,"confidence":0.9596219,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2178519070148468},{"word":"of","start":3293.525,"end":3293.685,"confidence":0.7931792,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2757878601551056},{"word":"touched","start":3293.685,"end":3293.925,"confidence":0.93617976,"punctuated_word":"touched","sentiment":"neutral","sentiment_score":0.21205905079841617},{"word":"on","start":3293.925,"end":3294.085,"confidence":0.9955857,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.266970157623291},{"word":"the","start":3294.085,"end":3294.245,"confidence":0.99938345,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3214290738105774},{"word":"points","start":3294.245,"end":3294.485,"confidence":0.99920076,"punctuated_word":"points","sentiment":"neutral","sentiment_score":0.197696715593338},{"word":"that","start":3294.485,"end":3294.645,"confidence":0.9998779,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2134580910205841},{"word":"were","start":3294.645,"end":3294.885,"confidence":0.9857911,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.2394794523715973},{"word":"more","start":3294.885,"end":3295.125,"confidence":0.99904376,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2143459916114807},{"word":"important","start":3295.125,"end":3295.445,"confidence":0.99977666,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.1812933385372162},{"word":"to","start":3295.445,"end":3295.605,"confidence":0.9974203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30264511704444885},{"word":"you","start":3295.605,"end":3295.845,"confidence":0.9996177,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.344135046005249},{"word":"today","start":3295.845,"end":3296.165,"confidence":0.99348474,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.2601536512374878},{"word":"is","start":3296.165,"end":3296.325,"confidence":0.9911283,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.15271568298339844},{"word":"there","start":3296.325,"end":3296.485,"confidence":0.9985852,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15670692920684814},{"word":"anything","start":3296.485,"end":3296.725,"confidence":0.99944884,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.14301656186580658},{"word":"else","start":3296.725,"end":3297.045,"confidence":0.9997009,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.0873837023973465},{"word":"that","start":3297.045,"end":3297.205,"confidence":0.99972504,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.054431818425655365},{"word":"might","start":3297.205,"end":3297.445,"confidence":0.99973685,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08005505800247192},{"word":"come","start":3297.445,"end":3297.685,"confidence":0.9992829,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.08100470900535583},{"word":"to","start":3297.685,"end":3297.845,"confidence":0.99793005,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08805160224437714},{"word":"mind","start":3297.845,"end":3298.0051,"confidence":0.9992085,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.13202056288719177},{"word":"that","start":3298.0051,"end":3298.245,"confidence":0.9995782,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09936276078224182},{"word":"you","start":3298.245,"end":3298.405,"confidence":0.9998913,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.170883446931839},{"word":"wanted","start":3298.405,"end":3298.805,"confidence":0.9945857,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.12361962348222733},{"word":"to","start":3298.805,"end":3298.965,"confidence":0.99735117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1272929161787033},{"word":"ask","start":3298.965,"end":3299.285,"confidence":0.999423,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.12473708391189577},{"word":"me","start":3299.285,"end":3299.445,"confidence":0.9995763,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15559300780296326},{"word":"at","start":3299.445,"end":3299.605,"confidence":0.99913496,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12986549735069275},{"word":"all","start":3299.605,"end":3300.105,"confidence":0.99901974,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.1426495611667633},{"word":"no","start":3302.74,"end":3303.24,"confidence":0.8464998,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.12397481501102448},{"word":"that's","start":3303.78,"end":3304.0999,"confidence":0.99467725,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.006674225442111492},{"word":"okay","start":3304.0999,"end":3304.5999,"confidence":0.99973583,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06073014810681343},{"word":"if","start":3304.8198,"end":3305.0598,"confidence":0.99914205,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.057861946523189545},{"word":"anything","start":3305.0598,"end":3305.46,"confidence":0.99976784,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.10481440275907516},{"word":"does","start":3305.46,"end":3305.78,"confidence":0.9975249,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07336532324552536},{"word":"happen","start":3305.78,"end":3306.0999,"confidence":0.99785185,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.06961911171674728},{"word":"to","start":3306.0999,"end":3306.26,"confidence":0.9993087,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0882394015789032},{"word":"come","start":3306.26,"end":3306.5,"confidence":0.99987483,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.062332458794116974},{"word":"to","start":3306.5,"end":3306.5798,"confidence":0.99703574,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.057971253991127014},{"word":"mind","start":3306.5798,"end":3306.9,"confidence":0.9991061,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.04774294793605805},{"word":"at","start":3306.9,"end":3307.0598,"confidence":0.99529344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.032224297523498535},{"word":"any","start":3307.0598,"end":3307.2998,"confidence":0.9998878,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.094691202044487},{"word":"point","start":3307.2998,"end":3307.5398,"confidence":0.9991963,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.03383252024650574},{"word":"please","start":3307.5398,"end":3307.94,"confidence":0.9998147,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.05544658750295639},{"word":"do","start":3307.94,"end":3308.0999,"confidence":0.9966292,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015438828617334366},{"word":"let","start":3308.0999,"end":3308.3398,"confidence":0.9986426,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11453092843294144},{"word":"us","start":3308.3398,"end":3308.5,"confidence":0.9999161,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.12195957452058792},{"word":"know","start":3308.5,"end":3308.74,"confidence":0.990057,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.16940008103847504},{"word":"we","start":3308.74,"end":3308.9,"confidence":0.999498,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.22898267209529877},{"word":"are","start":3308.9,"end":3309.0598,"confidence":0.9915474,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2864483892917633},{"word":"here","start":3309.0598,"end":3309.2998,"confidence":0.75089556,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.24056214094161987},{"word":"and","start":3309.2998,"end":3309.38,"confidence":0.9965752,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2932007312774658},{"word":"i","start":3309.38,"end":3309.5398,"confidence":0.99855345,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35436198115348816},{"word":"will","start":3309.5398,"end":3309.7,"confidence":0.995538,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.26571208238601685},{"word":"always","start":3309.7,"end":3310.02,"confidence":0.99979407,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.29939088225364685},{"word":"make","start":3310.02,"end":3310.18,"confidence":0.9983773,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.27259713411331177},{"word":"time","start":3310.18,"end":3310.42,"confidence":0.9945516,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3720371425151825},{"word":"to","start":3310.42,"end":3310.5798,"confidence":0.9977679,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30048587918281555},{"word":"take","start":3310.5798,"end":3310.8198,"confidence":0.9991541,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.3041088283061981},{"word":"the","start":3310.8198,"end":3310.98,"confidence":0.99877995,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26798221468925476},{"word":"call","start":3310.98,"end":3311.22,"confidence":0.99989843,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.259199857711792},{"word":"for","start":3311.22,"end":3311.46,"confidence":0.9994844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2962080240249634},{"word":"you","start":3311.46,"end":3311.96,"confidence":0.9921186,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18773910403251648},{"word":"but","start":3312.675,"end":3312.915,"confidence":0.9359244,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.10534070432186128},{"word":"yeah","start":3312.915,"end":3313.075,"confidence":0.9984271,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.16063831746578217},{"word":"i'll","start":3313.075,"end":3313.395,"confidence":0.9977878,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24407580494880676},{"word":"get","start":3313.395,"end":3313.635,"confidence":0.99947053,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2685333788394928},{"word":"started","start":3313.635,"end":3313.875,"confidence":0.99547654,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.2501121163368225},{"word":"on","start":3313.875,"end":3314.115,"confidence":0.99835396,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3545451760292053},{"word":"this","start":3314.115,"end":3314.355,"confidence":0.9988966,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.31618693470954895},{"word":"research","start":3314.355,"end":3314.675,"confidence":0.8305354,"punctuated_word":"research.","sentiment":"neutral","sentiment_score":0.24311214685440063},{"word":"and","start":3314.675,"end":3314.835,"confidence":0.9861231,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2425229549407959},{"word":"as","start":3314.835,"end":3314.995,"confidence":0.99752635,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.216762512922287},{"word":"soon","start":3314.995,"end":3315.155,"confidence":0.99959093,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.18951089680194855},{"word":"as","start":3315.155,"end":3315.315,"confidence":0.9934116,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20243261754512787},{"word":"we","start":3315.315,"end":3315.475,"confidence":0.9994197,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27826982736587524},{"word":"have","start":3315.475,"end":3315.635,"confidence":0.998409,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3376930058002472},{"word":"it","start":3315.635,"end":3315.7952,"confidence":0.9986601,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27937114238739014},{"word":"ready","start":3315.7952,"end":3316.0352,"confidence":0.99975055,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.29781442880630493},{"word":"to","start":3316.0352,"end":3316.115,"confidence":0.99928254,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29228997230529785},{"word":"go","start":3316.115,"end":3316.615,"confidence":0.9989914,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.23553429543972015},{"word":"i'll","start":3316.675,"end":3316.915,"confidence":0.9655813,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2323201149702072},{"word":"book","start":3316.915,"end":3317.075,"confidence":0.924627,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.16183575987815857},{"word":"you","start":3317.075,"end":3317.155,"confidence":0.9993278,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2242941856384277},{"word":"back","start":3317.155,"end":3317.315,"confidence":0.99979705,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.18925735354423523},{"word":"in","start":3317.315,"end":3317.475,"confidence":0.74753,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.15687108039855957},{"word":"and","start":3317.475,"end":3317.555,"confidence":0.9775103,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19468407332897184},{"word":"we'll","start":3317.555,"end":3317.7952,"confidence":0.9931782,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.22720754146575928},{"word":"go","start":3317.7952,"end":3317.955,"confidence":0.99894637,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2551257610321045},{"word":"through","start":3317.955,"end":3318.115,"confidence":0.9617007,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2421436309814453},{"word":"the","start":3318.115,"end":3318.2751,"confidence":0.99906236,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2860296368598938},{"word":"advice","start":3318.2751,"end":3318.675,"confidence":0.95843637,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.26418280601501465},{"word":"document","start":3318.675,"end":3319.155,"confidence":0.6956725,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.15347132086753845},{"word":"together","start":3319.155,"end":3319.655,"confidence":0.9995141,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.17383959889411926},{"word":"okay","start":3319.875,"end":3320.375,"confidence":0.9776317,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1280607283115387},{"word":"my","start":3322.675,"end":3322.995,"confidence":0.9940697,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.8344588875770569},{"word":"pleasure","start":3322.995,"end":3323.315,"confidence":0.99991494,"punctuated_word":"pleasure.","sentiment":"positive","sentiment_score":0.8365817070007324},{"word":"thank","start":3323.315,"end":3323.555,"confidence":0.9999329,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.834388017654419},{"word":"you","start":3323.555,"end":3323.715,"confidence":0.9999291,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8853226900100708},{"word":"so","start":3323.715,"end":3323.875,"confidence":0.99977034,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8693075776100159},{"word":"much","start":3323.875,"end":3324.0352,"confidence":0.99994564,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.886698842048645},{"word":"for","start":3324.0352,"end":3324.195,"confidence":0.997537,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8525457382202148},{"word":"your","start":3324.195,"end":3324.355,"confidence":0.9972536,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.880646824836731},{"word":"time","start":3324.355,"end":3324.595,"confidence":0.9999654,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.9064024686813354},{"word":"today","start":3324.595,"end":3324.995,"confidence":0.9996873,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.894439160823822},{"word":"i","start":3324.995,"end":3325.155,"confidence":0.9999608,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8927860260009766},{"word":"appreciate","start":3325.155,"end":3325.655,"confidence":0.9998472,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.8515141010284424},{"word":"it","start":3325.715,"end":3326.0352,"confidence":0.9999148,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.87671959400177},{"word":"i","start":3326.0352,"end":3326.115,"confidence":0.9999063,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8635883927345276},{"word":"hope","start":3326.115,"end":3326.355,"confidence":0.9999653,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.8379981517791748},{"word":"you","start":3326.355,"end":3326.5151,"confidence":0.9999368,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8005848526954651},{"word":"have","start":3326.5151,"end":3326.7551,"confidence":0.99996674,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.8079028725624084},{"word":"a","start":3326.7551,"end":3326.835,"confidence":0.9998043,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7883302569389343},{"word":"lovely","start":3326.835,"end":3327.155,"confidence":0.99998045,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8217758536338806},{"word":"rest","start":3327.155,"end":3327.395,"confidence":0.99984276,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.8622908592224121},{"word":"of","start":3327.395,"end":3327.555,"confidence":0.9997987,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.8633686304092407},{"word":"your","start":3327.555,"end":3327.7952,"confidence":0.99947685,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8739129900932312},{"word":"day","start":3327.7952,"end":3328.2952,"confidence":0.9998306,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.8042582273483276},{"word":"thanks","start":3330.8599,"end":3331.2598,"confidence":0.9888357,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.6225978136062622},{"word":"darren","start":3331.2598,"end":3331.5798,"confidence":0.98538834,"punctuated_word":"Darren.","sentiment":"positive","sentiment_score":0.6176778674125671},{"word":"talk","start":3331.5798,"end":3331.8198,"confidence":0.9997856,"punctuated_word":"Talk","sentiment":"positive","sentiment_score":0.5449991226196289},{"word":"to","start":3331.8198,"end":3331.9,"confidence":0.99827576,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5008081793785095},{"word":"you","start":3331.9,"end":3332.14,"confidence":0.99971527,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5330250859260559},{"word":"soon","start":3332.14,"end":3332.46,"confidence":0.9997009,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.4036688506603241},{"word":"see","start":3332.46,"end":3332.7,"confidence":0.99898463,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.30934372544288635},{"word":"you","start":3332.7,"end":3332.8599,"confidence":0.99986887,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4021789729595184},{"word":"later","start":3332.8599,"end":3333.3599,"confidence":0.9998918,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.4288308024406433},{"word":"bye","start":3334.2998,"end":3334.7998,"confidence":0.8957422,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.10248898714780807}],"paragraphs":{"transcript":"\nHi, Darren. This is Dana from Okey Financial. How are you this morning? It's good. I had to put in to go through an annual review today.\n\nIs now still a good time there for you? Yeah. Oh, good. I'm sorry. I had a note here to say you were not long waking up.\n\nNow is it okay? Do you need a few minutes to so sorry. Oh, not a worry. Now before we jump into the call there, Darren, just to let you know, we do record these calls for quality and training purposes. Are you happy for us to proceed with that?\n\nYep. Lovely. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm for me your full name, date of birth, and address that I should have on file. Beautiful.\n\nLovely. Thank you so much for that. Are you on night shift at the moment, are you? Yeah. How's it all going?\n\nHow's your week been so far? Yeah? Nice. You get the weekend off. Do you just work Monday to Friday?\n\nOh, well, hopefully, you get to enjoy some days off soon. Did you get some downtime over Christmas to have a bit of a break? Yep. Yeah. Oh, well, hopefully, you get some time off fairly soon.\n\nDarren, as part of your annual review there, is there anything particular you wanted to touch base on or any questions that you had that you wanted to maybe ask me while you've got us here as well? Yeah. Of course. Right. Mhmm.\n\nMhmm. Yeah. It's a really good question. So with the way your super is structured at the moment, you can't use the funds to purchase a home. The only way you could do that with utilizing real property is by having a self managed super fund.\n\nInside the self managed super fund structure, that would mean that you're essentially a trustee. You're taking on more responsibility of looking after the fund and having a lot more say in what happens, but you, unfortunately, can't purchase a house that you can live in. Under the rules of having a staff on your super fund, if you were to go down that route, the investments within the house within that fund would have to be what's called an arm blank transaction, which means that you're unable to use it for your purposes. You still have to even though you're the trustee and the member, you still have to have that invested and have it, you know, rented out to someone else, not within, you know, your immediate family, not not a member of the fund because they don't let you live in a company for personal use. It has to be an investment for the future of the member of the super fund, essentially.\n\nDoes that make sense? Yeah. Yeah. That's okay. With the balance you do have at the moment, it's not sort of recommended at this stage to be able to open a self managed super fund because you would need to use generally, when you are looking at purchasing a real property within a trust structure like that, you do have to have about a 20 to 30 deposit there.\n\nSo we don't normally suggest anyone open up a self funded super fund unless their balance gets up to around that $300,000 mark because most of your funds do go to being locked into that property. The other aspect is generally a loan on those sorts of things are for about thirty years or so twenty to thirty years. So, you can't sort of, unlike having a property in your own name, make extra repayments to the loan. Any extra repayments that you make are considered contributions towards super, so you do have to be very careful in that aspect. So having a loan inside super does mean that you would probably have to work for a little bit longer there.\n\nBut is that something you're wanting to do down the track? Are you hoping to use your super to purchase property? What's your goal with your super when you retire? Yeah. Yeah.\n\nYeah. No. Yeah. So the the prospect of renting through retirement is a realistic sort of prospect for yourself. You think you'll need to consider the rental, like, the cost of renting long term?\n\nYeah. Yep. That's okay. That's understandable. I'm having a look at things at the moment.\n\nSo 65, you're you had a birthday in October. So you're 61 this year. You're 60 now. Is that right? Yeah.\n\nSo there are some really cool strategies that we could maybe look to put in place for you to be able to help you to boost your balance there. Just having a look, and I'll give you I'm actually gonna also send you through some annual review documents. Do you have access to your emails at the moment, or would you prefer me just to go through things and you can have a look at the documents later? What would you like me to do, Darren? Yeah.\n\nThat's okay. I'm I've got your email address here. It is your first so darrenvtessa@gmail.com. Is that right? Yep.\n\nPerfect. I have this sent through some annual review documents to you, so feel free to have a bit of a look at those later. I'll go through everything with you and sort of give you a bit of an update on where your super is up to. Let's touch base a bit more about your goals. I did have a bit of a look at things earlier, and then it looks like there's some advice that we can definitely look to help provide that might put you in a better position.\n\nSo if you're comfortable, we'll go through this today, and then I'll go back and do some really in-depth research for you. And I can update your strategies to see where we can help and what we can do moving forward to, you know, build on that retirement for you. Would you like that? Yeah. Beautiful.\n\nBeautiful. Now your balance at the moment inside, Super, when I had a look as of yesterday's date, you had about a 180,772 and 13¢. So your balance has increased a little bit over the last twelve months, which is really good. One of the things, when I have a look at how the performance has gone over the last twelve months there so sorry. After fees, you're up by 8.43%, which is not bad in any way, shape, or form.\n\nIt's actually quite a good return given the sort of balance that you do have. And when we I know some people do prefer a dollar figure as opposed to a percentage. So the return is a dollar figure after fees. It means that your super is growing by $13,968.01. That's the growth plus the income in the in the fund for the last twelve months, which is quite good.\n\nOne of the things I would like to sort of look at is having a look at the underlying performance. So that is essentially what your whole portfolio has done, which is a positive sign you're up, and it's really good for the year. I'm just also having a look at the portfolio you're in as well. So sorry. My computer is a little bit slow this morning.\n\nI do apologize. Sorry. One moment. My computer is just spinning. I love technology when it wants to work.\n\nSo having a look at things at the moment, it looks like we have sort of reduced your risk in the last couple of years. It looks like you may be in more of a balanced growth sort of portfolio at the moment. When I have a look at all the underlying investments that you have in your portfolio there, your everything is doing really well. Everything has shown a positive return, but just a couple of options there. Your cybersecurity is down just a little bit.\n\nThat's just due to it being a bit more volatile, but your cybersecurity was added into the portfolio as more of a satellite investment. So it's one of the ones there that we do expect to have a bit more in the way of fluctuations because it is more of a niche. It's more of a it's a theme sort of investment option. We're looking at global cybersecurity, and it's you have a smaller amount of that in your portfolio. So we're aiming to kinda get greater potential benefits.\n\nSo I'm not in any way, shape, or form worried about the cybersecurity side of things at the moment. It just had a little bit of a dip. The investment that I am a little bit concerned about is your Bennelong Australian Equities. So you do have a fair chunk of your portfolio in that Bennelong Australian Equities component, and it's not your only exposure into Australian Equities within this portfolio. So all your other Australian exposure has done really, really well, but Bennelong has seen a bit of a dip.\n\nAnd in your portfolio, it's down by about 15% there. So it is quite significantly down. I feel like it has maybe you made a little bit of an impact to your overall return for this year, and that is down because of what's happened with one of the underlying investors. I'm not sure if you follow the news a great deal with regard to the markets. Do you sort of have a look at things very often?\n\nYeah. Yep. Yeah. No. That's okay.\n\nThat's not a problem at all. And that's why I'm here for as well. Part of what I love is the educational value towards what we do. So, essentially, to give you a bit of an overview, Bennelong had one of their underlying investments, Corporate Traveler. And late last year, Corporate Traveler had a bit of an issue.\n\nThey were being a bit dishonest to the market. They weren't accounting properly. So that came out when they had to report. Bennelong had to go back and reevaluate that portion of their investments, and it meant that everyone has now gone back and reevaluated Bennelong as well. So our investment committee early this year have met to decide they no longer want to hold Bennelong in the portfolios.\n\nWe do feel it is really important to move everybody out of that one. So I would like to, as part of the advice, update the strategy for you, have a look at removing that and putting something else in its place. We can look at more of a Bennelong was placed in your portfolio as more of an actively managed strategy. However, Bennelong don't do a great deal of active management under the back. They haven't actually replaced many of their investments over the last couple of years since COVID, basically.\n\nThey kinda hold strong on the investments as they believe in the in the fund there, and it has sort of caused them to underperform a little bit, which is a bit concerning. You're obviously working hard for your retirement, so we wanna make sure the portfolios are working hard for you too. So we can replace it with something that's a little bit more passively managed because you are older and something a bit more low cost, hopefully, reduce some of the fees within the fund for you and look at something that's got a greater past performance, which should hopefully benefit you a bit more in the future. Does that sound okay with you? Yeah.\n\nYep. Yep. Perfect. Yeah. Yep.\n\nOf course. Yeah. Absolutely. Definitely. And would you know what age you would like to maybe stop working?\n\nWhat age are you sort of hoping for the full retirement aspect? No. Yep. No. Understandable.\n\nOkay. No. That's understandable. Well, I mean, how do you you're right. So sorry.\n\nMhmm. Yes. Yeah. Absolutely. Okay.\n\nYeah. Of course. Yeah. Yep. Yeah.\n\nAbsolutely. Well, one of the really good strategies that we do have access to now, and I'm more than happy to go back and have a good look to see if this is gonna help or provide some benefit for you, is what's called a transition retirement strategy. Have you heard of this before? Yeah. Perfect.\n\nSo, essentially, that's where I would have a look at what you're earning, what your take home pay looks like. If you're wanting to sort of keep your take home pay at the same level, we can look at maybe maximizing contributions in the super as much as possible. It does mean that we are then moving some money into what's called a an account based transition retirement pension account. So you would have your super account and the secondary pension account. Because you're increasing your contributions in the super as much as we possibly can to benefit you, it does sort of mean that your take home pay reduces.\n\nSo if you're wanting to keep the same take home pay, we can then start to reduce some money out of super. So you put more in. You have the two accounts, and we replenish your income with some money from super. You actually end up putting in more than you're taking out because the tax inside super is less than your marginal tax rate normally. But you get to pay have the same take home pay.\n\nThe amount you're drawing out of super is completely tax free. So it helps to give you a benefit of reducing the amount of income tax you might pay on your income, but the main benefit is of putting more money into SOFA, into that tax effective environment so it's invested for you long term. Are you open to me doing a little bit of research around that and maybe coming up with a strategy that might help you? Yeah. Yeah.\n\nPerfect. Excellent. If you want, what I can also do is I know you are in Netwealth at the moment, and when you came on board, Netwealth was a great platform. I will look at Netwealth as well as other platforms out there. If there was something to be better that provided greater benefit, are you open to me altering or moving you to another platform for your super fund, or are you sorta happy to stay in Netwealth?\n\nWhat's your thoughts there? I'm sorry. I'll ask all the questions you've probably never thought about. Mhmm. Yep.\n\nYep. Yep. Yep. Yep. Absolutely.\n\nWell, if if you like, I'll go and do the research for you on Netwealth as well as the other super fund options out there to see what's gonna provide greater benefits, sort of look at the fees for you as well. I'll also look at the CGT consequences because one of the big things to consider is that you have been invested in this platform for a while in the super fund, and you've got these underlying investments there, we wanna make sure that we're not gonna, you know, cause too much of a tax consequence. Because your fund still has to do tax returns, and they pay capital gains tax and income tax on the investments within the fund every year. So I'll have a look at the super funds. I'll have a look at the investments.\n\nI'll look at the tax consequences for you, and I'll also look at that transfer time strategy to see if it's gonna provide benefit. And then I can come back and update the advice strategy for you and show you what we're gonna do to help you out. How does that sound? Yeah? Beautiful.\n\nI'll do a nice in-depth bit of research there for you, Darren. Now it does take me a little bit to put the research together. A lot of my clients are in that retirement sort of space, so I do do a lot of in-depth research there. But once I have that all ready to go, I'll come back, book you back in, and we'll go through that document together so you can see what we're recommending, why the advantages, the disadvantages, and the risks involved before you decide to take on the advice. Does that sound alright with you?\n\nYep. Beautiful. Lovely. I've got some work to do. I love it.\n\nThat's fantastic. Now I know you don't not really sure exactly what age you'd like to realistically retire, but just so I have a bit of a goal to work on, do you think you'd be sort of working towards maybe 65, 66? Do you think you'd probably be able to start working or hopefully be able to start working around age pension age? What's your sort of thoughts? Health.\n\nYeah. Yeah. Yep. Yep. That's okay.\n\nWell, at the moment, if you're eligible too, you can also apply for the age pension at age 67. You can actually apply thirteen weeks out from that. Would you like me to work on I can look at what we expect around age 65, but then I can also look at age 67 for you. And I can also look to maybe factor in because you're already 60. We're only sort of working well, even at ten year mark.\n\nI can have a look at maybe the eligibility for age pension there as well and see that with your super, what it might look like for you and how sort of longevity wise that might provide. Does that sound okay? Yeah. Yep. Perfect.\n\nLovely. Okay. I will add that into the list of things. That's perfect. I will look at that for you.\n\nNow the other thing to sorta consider is I know you're not really sure what kinda income you might need, but do you know roughly what sort of income are you on at the moment? Do you think you wanna keep a very similar income in retirement, or do you feel like there's a set amount that you would wanna cover for expenses? I know it's quite hard to sort of think about it. But did you want me to work on your current income amount for, you know, living expenses and rent in retirement, or what's your thoughts with the income? Yep.\n\nYeah. Yep. That's okay. How much rent are you paying at the moment on a weekly basis? Yep.\n\nYep. Okay. Yeah. Okay. Perfect.\n\nWell, I can just sort of use this for the moment. What's your gross or your take home pay at the moment? What are you sort of earning on a or on a weekly basis? Do you know what your income looks like? Yep.\n\nYep. Is that your take home pay? Yep. So 1,500 to 2,200. On the average week, would you say your income's more towards that 1,500, or do you think you're up around that 2,200 more regularly?\n\nOkay. Yep. Yep. Did you did you want me to make make it so your take home pay remains around that $1,500 mark or $1,800? What would you sort of like your take home pay to be on a on a weekly basis?\n\nFifteen 100? Yep. Perfect. So I'll keep your take home pay at that $1,500 mark. Now with your contribution, so what we'll essentially do with the research is we have a look at how much we can transfer into the pension side of things.\n\nWe have to leave some money. Generally, it's about 10,000. We sometimes also have to leave the tax liability there. So we play around with how much we can move into pension and how much we leave in the accumulation side to keep your super open. Because you're still working.\n\nYou want those contributions to be going in and being invested. I'll look at your take home pay trying to keep that at 1,500 and then also look at what we can put in. So what we put in will always be more than what we take out because we're putting more money in as taxed at a lower rate than our marginal tax rate, and we don't have to take as much out. So it's a little bit of a juggling ask, but we'll go back and do the research for you, try to keep that take home pay around that $1,500 mark for you, and look at what we can put into super to sort of provide that benefit for you. If it comes back that say that this strategy isn't gonna be as effective for you, it's not gonna give you the kind of growth that we're after.\n\nIs there as an alternative sort of strategy, are you comfortable putting extra money into super? Do you have much left at the end of the week, or is everything quite tight expenditure wise at the moment? Yep. Oh, nice. Wow.\n\nYep. Yep. Yeah. Yeah. Perfect.\n\nThat sounds great. Yep. Yep. Yeah. Perfect.\n\nIf if that TTR strategy was not really gonna provide the greater benefit and we just wanted to look at maybe some salary sacrifice, would you be comfortable with me putting, say, 50 or $100 in on a fortnightly basis? I know it does reduce your take home pay, But would that still allow you to be able to put savings away, or do you think you'd only wanna make those contributions if we could make that extra strategy work for you so you keep your take home pay the same? What's kind of more preferable for you? Not sure. Yep.\n\nYep. Do you want me to make it something minimal, like $50 a week or $50 a fortnight to start with? We can always then boost it up later down the track. And keeping in mind, this is only as an alternative, so I'll always go back and wanna look at that transition strategy first to see if we can really get the ball rolling for you and what we can do there. This is more just if that's not gonna provide a greater benefit as an alternative, something that we can look at to help you along with.\n\nI could start with something like $50 per fortnight there for you, and then we could always look at the benefit and kind of build on that down the track. Yep. Yep. Perfect. I will have a look at that for you.\n\nHow much are you sort of trying to save out of your income on a weekly or fortnightly basis at the moment? How much are you putting away for your holiday? Yeah. Yeah. Yep.\n\nYep. Okay. Perfect. Yep. Perfect.\n\nPerfect. Thank you for that. I'm so sorry. Lovely. And work wise, you mentioned you're down to about three days per week at the moment.\n\nJust sort of going through, I don't have down here what you do for work. What's your occupation? Oh, beautiful. Are you long distance? Or yeah.\n\nYep. Oh, perfect. Lovely. Yeah. Wow.\n\nYep. Yeah. Perfect. Perfect. And you also mentioned that your your partner you've got your partner there.\n\nSo I've got it down that you are in a de facto relationship. Is that still correct? Yep. Perfect. And I'm so sorry.\n\nI'm probably gonna pronounce this wrong. Your partner's name, I'm gonna spell it because I'm probably gonna say it incorrectly. It's s e n e m. Is that right? Yep.\n\nPerfect. How would I pronounce the name correctly? I do apologize. Sanam. Beautiful.\n\nThat's a lovely name. I knew I would probably get that wrong. I do apologize. And I'm my name's Dana. So it's spelled d a n a, and everyone gets my name wrong as well.\n\nSo it's understandable. You're well, and you mentioned she's working as well? Yeah. Is she hoping to sort of retire around the same time as you, or is she planning to work longer? Is she younger than you or older?\n\nYoung? Yep. Okay. Perfect. Yep.\n\nYeah. Perfect. Well, you can always sort of work things on more of a worst case scenario saying that she's you know, if she does retire at the same time as you, this might be the the likelihood of things. Do you know what her income is at the moment or what she's earning? 900 per week?\n\nYep. Perfect. Lovely. And do you have any sort of idea what her approximate super balance might be just for the the overall retirement side of things? If you don't, that's okay.\n\nNo. No. That's okay. That's not a problem at all. Does she have super?\n\nDoes she have a little bit of super? Yep. Okay. Yep. That's okay.\n\nDo you think it's more on the north side or south side of maybe a 100,000? That's okay. Yep. Yep. That's okay.\n\nNot a problem. So I'll just put down here approximate between, say, maybe 50 to a 100,000 just so we can sort of really get into the retirement side of things and sort of show you what we're hoping or expecting based on the projected outcome. And often because you are a couple, your partner's sort of circumstances can be a big part of that. And later on down the track, if you wanted me to, we could always have a chat to her as well, maybe incorporate and do some joint advice to sorta help you guys along. So but for the moment, we'll just work on this.\n\nYeah. Absolutely. Perfect. And you guys, do you have any kids living at home? I don't I've got down here, there's no financial dependents living at home.\n\nNo? Perfect. Lovely. Excellent. And I've got so three days a week.\n\nI've got your income. Everything's perfect there. Next thing to sort of consider is how just having a look at your regular so your assets and how they may have changed from we when we spoke last year. So I have done here you've got a ute. We had an asset value there of about 10,000.\n\nIf you had to sell your ute, what sort of value do you think you might be able to get for that? Okay. Yep. Okay. '15.\n\nBeautiful. What kind of year is it? Okay. Perfect. Beautiful.\n\n'16. Excellent. Thank you for that. And I also had it noted here you had a boat with an asset value of about 30,000. Do you still have your boat there?\n\nYep. Beautiful. Do you get out very often in it? Absolutely. Do you still think the Evoque and Moda sort of all combined might be still around that $30,000 mark, or might you alter that asset value at all?\n\nThe same? Yep. Perfect. Excellent. I also had down here another car that you guys own.\n\nI'm sorry. It doesn't tell me what kind of car it is, but the asset value is about 15,000. Thinking about any other vehicles that you might have, would that be correct, or would you alter that value a little bit? Yep. Yep.\n\nOkay. Yeah. You could do if you wanted to access it, but we could utilize that transition retirement strategy this financial year to access a little bit of the money to cover the debt if you wanted to do it that way. And then we may be, in the next financial year, start it to maybe factor in the changes to contributions and look at that as a growth strategy. I can absolutely do that for you.\n\nObviously, taking money out of super now without replenishing it back, it does sort of mean that you are gonna have less in super, but I can do the research around to sort of see if it's gonna provide greater growth if we start that around July. Would that be okay? Would you like me to look at that? Yeah. Yeah.\n\nHow much do you yep. How much do you have owing on that car at the moment? 45,000 roughly. Yep. That's okay.\n\nSo and what kind of car is it? M u x. Beautiful. They are really popular at the moment. I've spoken to lots of people who have recently purchased those.\n\nSo yeah. Yeah. Yeah. Yep. Absolutely.\n\nNow under that transition retirement strategy that we sort of talked about there, if you were to sort of look at that strategy now to be able to take some funds out of super, essentially, we can access a maximum. There are maximums and minimums that we can access under this strategy on how much you can withdraw out. Essentially, we would be able to access up to 10 of the balance that we transfer into the account based pension side of things. So based on your current balance, we would have to leave generally a minimum of 10,000 behind in the accumulation side of things. So that would, based on the current balance I have at the moment, give us an estimated transfer balance of about a 170,000 there.\n\nIf we then look at that sorry. Here we go. So then look at that. So it's about a $170,772.13 there, which would, at the full 10%, if you wanted to do that for this financial year, would give you access to approximately, based on the balance at the moment, of about $17,077. So just slightly.\n\nIt's not quite enough to pay the car off wholly, but it would give you access to the some of those funds. It does reduce the balance now. But if you wanted to do it that way, I could look at the strategy to incorporate that now. Then we next financial year, maybe start in July, look at doing that transfer time strategy correctly. So we are drawing money out to replenish your income, but then we start to increase the contributions back to keep your take home pay relatively the same.\n\nIs that sort of what you're after? Is that does that sound like it's what you would like me to look at? Yep. Yep. Yeah.\n\nLook. It it's it's honestly not a problem to do. One of the main sort of disadvantages to doing it that way is that, obviously, with the money we are taking out now, if you do leave that money inside Super and just increase your contributions in and we do this strategy the way it's sort of intended to, you're gonna be in a greater position. However, if you take that money at now, even if we are putting contributions back in, you never actually get yourself back to the position that you would have been in had you not withdrawn. But at the same time, taking that money out of the super side of things, it is a tax free withdrawal.\n\nYou are over 60. It has does help you to reduce the loan amount, and, realistically, you are paying interest on that loan because it is a car loan or a personal loan there. So the interest could certainly outweigh the the return that you might have got on that money. Paying down the loan tends to give you a more of a guaranteed rate of return. You are reducing the debt and the amount of interest you pay to the bank for that, which could, in the long term, put you in a better position because you may you know, not having that loan means it's one less thing to factor into expenses into retirement income.\n\nSo it's more just about making sure that you're comfortable with that. You are taking money out of the super system to pay it back. It does mean longevity wise, there could be an effect on your super, but it's not the be all and end all. It's it's about making sure you're comfortable with that. And I can show you if you want me to.\n\nI'll do the research around it. I can show you what that looks like, how it affects you, the long term side of things, and factor in the retirement side for you for age 67 to sort of show you what we expect based on these recommendations. Any advice we provide for you, Darren, is always up to you to decide whether you're happy to take you get to decide whether you take all the recommendations, some of them or none of them, and we'll show you the advantages, the disadvantages, and the risks involved. Does that sound alright? Yeah.\n\nYep. Perfect. Well, I can have a really good look at all of that for you. It's not a problem. Okay?\n\nBeautiful. Excellent. Perfect. It does. It does.\n\nEasy. Now the next asset I have on here is your contents. We have that valued at about 8,000. Do you feel like that's fairly comfortable? You leave that at the same amount?\n\nYep. Beautiful. Excellent. And is there anything else that we may have missed? Any other assets or liabilities that you wanna add on here?\n\nYep. Perfect. Lovely. Health wise, you did mention that you've dropped hours due to your sort of health. How what's sort of been happening over the last twelve months health wise?\n\nHas everything sort of changed? Or mhmm. Yep. Yeah. Yeah.\n\nPerfect. And have this lovely holiday that you're saving up for. Yeah. Beautiful. And I've also got down here that other goals moving forward.\n\nYou also wanna pay down the car loan as much as possible. Is there anything else, you know, over the next sort of two to three to five or ten years that you might be wanting to achieve? Or Yep. Yep. Yeah.\n\nYep. Absolutely. Yep. Yep. Absolutely.\n\nNot a problem. Yeah. Yep. No. Absolutely.\n\nNot an issue at all. Now the other thing I just wanted to sort of evaluate with you is just sort of double checking that you are invested correct in the right risk profile. Because other things that we can look at are if you wanted to try and get a bit more growth out of your super, we could look at taking on a bit more risk in the market. It also comes down to your comfort level as well, but taking a bit more risk in the market can open you up to greater potential returns. It's just a bit of a juggling act, and I wouldn't want you to take on too much risk than you're comfortable with because then it does mean that you risk at the time you're wanting to stop working and hopefully retire, there could be a downturn in the market.\n\nAnd if you chose to continue to retire, you might be cementing losses that may have occurred. So just to sort of go through just a couple of questions there to assess your risk profile, The first one is, have you ever owned direct shares? Have you ever invested in your own name before outside of Superm? Nope. Never owned shares.\n\nNo? Yep. That's okay. Yep. That's absolutely okay.\n\nNot an ish. Yep. No. Absolutely. The next question here is asking, I sent it to more about inflation.\n\nSo it says, how much risk do you feel you're comfortable to take when it comes to your super to get those greater potential returns? Do you think you're happy with a higher level of risk to get greater potential returns in the future? Are you comfortable with a moderate or medium amount of risk to get the best returns you can, or are you only comfortable taking on a small amount of risk to get the best returns you can possibly obtain? Yep. Yep.\n\nYep. Perfect. Lovely. How do you think you might be feeling if you looked at your super balance in, say, the next six to twelve months and due to external market factors or what was happening in the world? If the portfolio fell and we saw maybe a 10 or 20 drop, how do you think you might be starting to feel?\n\nYeah. Mhmm. Mhmm. Yep. That's okay.\n\nDo you think it might be a little bit con yeah. Do you think it might be a bit concerning? Do you think you'd wanna put more money in to take advantage of the market dips, or do you think you might just be calling us and asking what's happening and what can we do? Yep. Yep.\n\nPerfect. Lovely. Having a look at the sort of returns that you're after, you're trying to get the best returns you possibly can out of your super out of your portfolio. Am I right? Yeah.\n\nAll good. Perfect. Well, thank you for answering those questions. Now having a bit of a look there, you sorry. The last one here I just had to ask, I do apologize.\n\nIt just sort of popped up there for me, is when you think about borrowing, you're still wanting to buy property in the future. You are open to hopefully being able to buy in the future. Is that right? Yeah. Yep.\n\nYeah. Yeah. Yep. No. That's understandable.\n\nNot a problem at all. And thank you. That's exactly right. Yeah. Yep.\n\nThat is exactly right. Now as I kinda mentioned before, you are in more of a balanced growth portfolio, which generally sees about 70% of your super invested in growth assets. These are the investments that take a bit more that give us a bit more risk, that tend to give us greater returns over the longer term as well. There are things like Australian shares, international shares, listed property, and commodities. This sort of portfolio is trying to average around about six to 8% return on a yearly basis.\n\nSo your return this year, while spend along has been down a little bit, is generally in line with what the expectation is of that portfolio. You still then have around about 30% in defensive investment fees of things that tend to be lower in risk, things like cash, bonds, and fixed interest. We wanna have a mix of both to diversify and spread our risk level over the portfolio. Over the course of time. Those defensive investments help to smooth out long term market fluctuations.\n\nSo it's good to have some of those in there. The balanced growth portfolio, we do expect the likelihood of a negative return to be about one in six years. So it's relatively low to other portfolios. And this sort of investment portfolio suits someone who has about five years before they're wanting to access their their investment or their money. So this does suit where you are.\n\nIf you are wanting to take on just a little bit more risk and maybe increase things a bit, we could always move you up into the growth portfolio that increases those growth assets by about 10%. So you see about 80% invested there. It suits someone who has at least six years before they're wanting to access super. So at the moment, you're 60. If we sort of work to 67, that does give you seven years.\n\nWe wouldn't wanna keep you in that portfolio right up until the day you retire. So as you get closer, we'll start to reduce your exposure a little bit there as well and make you more defensive. But did you wanna sort of maybe look at going up and increasing that, those growth assets by 10%, maybe looking at the growth portfolio, just moving up one sort of stage there for a comfort amount, or what would you like me to do? Yep. That's that's okay.\n\nWould you like me to look at staying in the balance growth option for you at the moment, look at that trends in your time strategy, look at how that how things work for you, look at the overall retirement projection? If we find it's not gonna be enough, then we could always look at as sort of a worst case scenario, moving you up a little bit, taking on a bit more risk. Would you like me to look at it that way for you? Yep. Yeah.\n\nThat's okay. It can kinda keep it sort of as a worst case scenario. So, you know, if we're not getting the outcome we're sort of after, if it's not really working, then we could always look to take on a bit more risk. But I can always just look at sort of keeping the portfolio the same and see see if it works for you that way. Okay?\n\nYep. Beautiful. Lovely. So I've got that for you. Beautiful.\n\nWell, I've basically got everything I need at the moment to kinda go back. So just to kind of recap, we're gonna look at the super. I'll look at where you're in at the moment with Netwealth. I'll also look at the other options. I'll try to keep you in that balanced growth environment for you.\n\nAs a worst case, we could always look to increase the risk down the track there. We'll look at removing the underperforming investment for you, replace it with something hopefully lower cost. I can also look at other investment profiles or portfolios that might sort of if it provides greater benefit, has maybe an option where we can be maneuvering investments for you if they're underperforming. Would you like me to look at alternative investment portfolios like that for you? Yeah.\n\nAll good. The other thing I just said of I had a wanted to have a look at is you don't have any insurances. Now I know you are 60. So, realistically, if you were to pass away, I can see here that your super balance will be paid out as a benefit there. But you don't have any personal insurances, the life TPD income protection.\n\nIn the event of, say, a TPD claim, we can be giving your age access super under permanent incapacity so you can make a claim on super that way. If you were to pass away, the last benefit would just be paid out of your super balance. So whatever your super balance is paid out to your beneficiary there as well. But in the event of not being able to work in the shorter term, we would again have to try and access super. And because you are 60, if you were not working, we could, you know, access super under that sort of benefit and give you some money out of there.\n\nBut are you comfortable not having insurances? Are you happy to sort of continue that way? What's your thoughts around the personal insurance side of things? Yeah. Yeah.\n\nI mean, given your age because you are 60 look. And the realistic view is if you are not working, if you stop working due to your illness or whatever, you can access it. If you're over 60, not working, or dropping it. You know? Ceasing work is essentially the condition of release to access your super, so you could do so.\n\nPermanent incapacity, again, is the same sort of thing. Claiming that against your super, and that provides the benefit to you so you can access your super if you were diagnosed with some sort of disability that stopped you from working. And if you were to pass away, your super benefit is paid out to your partner or to your beneficiary as a life benefit as well. So you do sort of have those covers there without actually having insurances. The downside to not having insurances is that it is only your super that is paid out to provide that benefit.\n\nYou don't have anything additional to fall back on. The benefit to not having insurance is is that you're not paying for those premiums out of your super, and that can have a long term effect on your super as well. So I just wanted to sort of make sure I'm clarifying that with you and confirm your comfort level. But did you want us to look at some sort of cover for you, or are you happy just with what you've got and just wanting to maximize super? What's your where your where's your comfort level at?\n\nYep. Yep. Yep. That's okay. And the other thing we do have to sort of discuss is the option of trauma.\n\nSo trauma is not an insurances that are paid. In SOP, you have to pay for them out of your back pocket, but trauma tends to pay out a lump sum tax free benefit in the event that you are diagnosed with, say, certain cancers, neurological conditions, Parkinson's, things like that. Did you wanna look at getting any trauma? You're happy not to have trauma as another option? Yeah.\n\nYeah. This day should be fine. Not a problem at all. I just thought I'd have to go through those with you to sort of make sure that you're aware and understand the differences there. We always have to give you the option.\n\nThat's all. So I'd like to make sure I'm giving you all the information to be able to make that decision comfortably. Okay. Perfect. So we're focusing on the super looking at ways to benefit there.\n\nI'll look at the transition retirement strategy for you. I'm looking at taking out a 10% withdrawal this year and then maybe looking at the TTR strategy moving forward. We're working on a take home pay keeping your take home pay at around that $1,500 mark per week. Is that right? Sorry.\n\nIt's per week, isn't it? Your take home pay, 1,500 per week or fortnight? Per week? Per week. Yep.\n\nPerfect. Just wanna clarify that for you. And, yes, I'll go back and do all that additional research for you. If I find it's not gonna work, we could just look at salary sacrificing and seeing what that can do to help you. If there's another conversation I need to have, I'll come back and have that with you.\n\nBut I've got a a lot of really good ideas that we can look at for you, some different strategies to assess, and we can update the advice document and come back and show you what that looks like so you can decide whether you're happy to take on the advice or not. Does that sound okay, Darren? Yep. Beautiful. Do you have any questions?\n\nI know I've asked you everything under the sun. I know as much about you as possible. But do you have any questions for me? Did you want me to kinda break anything further down for you? Or Yep.\n\nBeautiful. Well, if you find you do have questions, please do let me know. I have sent the annual review documents to you, which does give you a summary of your balance. It also has the internal rate of return report that we went through, giving you the returns and how your sleeper has performed. It's also got there the ongoing service agreement attached, So that's essentially just letting you know that you do pay an ongoing service fee for our services, which is 1.65% per annum.\n\nIt is deducted in smaller monthly increments out of your super, and that allows us to be looking after your super, monitoring everything for you, but also updating the advice and the strategies. There's no additional fees for that. So if I can get you to run your eyes over the documents there, return those and your review documents back for us. You'll also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It outlines all the important aspects of our job, making sure that we're abiding by the corporations act specifically sorry, specifically, section nine of that.\n\nWe also make sure that we abide by privacy rules and regulations, making sure to do security with you on a regular basis. And if you And if you wanna have a look through that document, it's also got a lovely picture of me in there. So you can also see what I look like and get a bit of an idea of who I am as a financial adviser. Okay? Beautiful.\n\nBeautiful. Did you have any other questions? Have I sort of touched on the points that were more important to you today? Is there anything else that might come to mind that you wanted to ask me at all? No?\n\nThat's okay. If anything does happen to come to mind at any point, please do let us know. We are here, and I will always make time to take the call for you. But, yeah, I'll get started on this research. And as soon as we have it ready to go, I'll book you back in, and we'll go through the advice document together.\n\nOkay? My pleasure. Thank you so much for your time today. I appreciate it. I hope you have a lovely rest of your day.\n\nThanks, Darren. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":2.72,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.12986798584461212},{"text":"This is Dana from Okey Financial.","start":3.4399998,"end":5.04,"sentiment":"neutral","sentiment_score":0.16968462119499841},{"text":"How are you this morning?","start":5.04,"end":6.1,"sentiment":"neutral","sentiment_score":0.23162722885608672},{"text":"It's good.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.6681661009788513},{"text":"I had to put in to go through an annual review today.","start":8.16,"end":10.32,"sentiment":"positive","sentiment_score":0.3666314606865247}],"sentiment":"neutral","sentiment_score":0.3026625767902092,"num_words":27,"start":2.72,"end":10.32},{"sentences":[{"text":"Is now still a good time there for you?","start":10.32,"end":12.34,"sentiment":"positive","sentiment_score":0.3594500422477722},{"text":"Yeah.","start":14.445,"end":14.945,"sentiment":"neutral","sentiment_score":0.12288668751716614},{"text":"Oh, good.","start":15.004999,"end":15.565,"sentiment":"neutral","sentiment_score":0.20757632702589035},{"text":"I'm sorry.","start":15.565,"end":15.964999,"sentiment":"neutral","sentiment_score":0.020001976750791073},{"text":"I had a note here to say you were not long waking up.","start":15.964999,"end":18.865,"sentiment":"neutral","sentiment_score":-0.02895012068060728}],"sentiment":"neutral","sentiment_score":0.12728674468342904,"num_words":27,"start":10.32,"end":18.865},{"sentences":[{"text":"Now is it okay?","start":18.925,"end":19.645,"sentiment":"neutral","sentiment_score":0.025146038737148046},{"text":"Do you need a few minutes to so sorry.","start":19.645,"end":21.825,"sentiment":"neutral","sentiment_score":-0.024703760734862752},{"text":"Oh, not a worry.","start":23.564999,"end":24.765,"sentiment":"neutral","sentiment_score":0.12101403065025806},{"text":"Now before we jump into the call there, Darren, just to let you know, we do record these calls for quality and training purposes.","start":24.765,"end":29.47,"sentiment":"neutral","sentiment_score":0.09364693115154903},{"text":"Are you happy for us to proceed with that?","start":29.47,"end":31.41,"sentiment":"neutral","sentiment_score":0.14915823356972802}],"sentiment":"neutral","sentiment_score":0.07904513761401176,"num_words":50,"start":18.925,"end":31.41},{"sentences":[{"text":"Yep.","start":32.67,"end":33.07,"sentiment":"neutral","sentiment_score":0.14715373516082764},{"text":"Lovely.","start":33.07,"end":33.31,"sentiment":"neutral","sentiment_score":0.2785661816596985},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":33.31,"end":36.83,"sentiment":"neutral","sentiment_score":0.15218611853197217},{"text":"So I'll just get you to confirm for me your full name, date of birth, and address that I should have on file.","start":36.83,"end":41.09,"sentiment":"neutral","sentiment_score":0.12052079938028169},{"text":"Beautiful.","start":45.715,"end":46.215,"sentiment":"neutral","sentiment_score":0.10030892491340636}],"sentiment":"neutral","sentiment_score":0.13649964580933252,"num_words":42,"start":32.67,"end":46.215},{"sentences":[{"text":"Lovely.","start":48.355,"end":48.855,"sentiment":"neutral","sentiment_score":0.2644621729850769},{"text":"Thank you so much for that.","start":49.315002,"end":50.915,"sentiment":"positive","sentiment_score":0.4765658030907313},{"text":"Are you on night shift at the moment, are you?","start":50.915,"end":53.015,"sentiment":"neutral","sentiment_score":0.16116680651903154},{"text":"Yeah.","start":54.45,"end":54.77,"sentiment":"neutral","sentiment_score":0.09342403709888458},{"text":"How's it all going?","start":54.77,"end":55.57,"sentiment":"neutral","sentiment_score":0.1209417637437582}],"sentiment":"neutral","sentiment_score":0.24148709767244078,"num_words":22,"start":48.355,"end":55.57},{"sentences":[{"text":"How's your week been so far?","start":55.57,"end":57.11,"sentiment":"neutral","sentiment_score":0.09976860384146373},{"text":"Yeah?","start":59.41,"end":59.91,"sentiment":"neutral","sentiment_score":0.16729125380516052},{"text":"Nice.","start":60.13,"end":60.63,"sentiment":"neutral","sentiment_score":0.3011208176612854},{"text":"You get the weekend off.","start":60.69,"end":61.65,"sentiment":"neutral","sentiment_score":0.1951390504837036},{"text":"Do you just work Monday to Friday?","start":61.65,"end":63.11,"sentiment":"neutral","sentiment_score":0.07435972562858037}],"sentiment":"neutral","sentiment_score":0.12816185131669044,"num_words":20,"start":55.57,"end":63.11},{"sentences":[{"text":"Oh, well, hopefully, you get to enjoy some days off soon.","start":69.425,"end":71.905,"sentiment":"neutral","sentiment_score":0.25588582997972315},{"text":"Did you get some downtime over Christmas to have a bit of a break?","start":71.905,"end":74.965,"sentiment":"neutral","sentiment_score":0.09322955352919442},{"text":"Yep.","start":77.76,"end":78.26,"sentiment":"neutral","sentiment_score":0.15311819314956665},{"text":"Yeah.","start":81.28,"end":81.78,"sentiment":"neutral","sentiment_score":0.16483713686466217},{"text":"Oh, well, hopefully, you get some time off fairly soon.","start":81.92,"end":84.58,"sentiment":"neutral","sentiment_score":0.16911590099334717}],"sentiment":"neutral","sentiment_score":0.1656506005171183,"num_words":37,"start":69.425,"end":84.58},{"sentences":[{"text":"Darren, as part of your annual review there, is there anything particular you wanted to touch base on or any questions that you had that you wanted to maybe ask me while you've got us here as well?","start":84.799995,"end":93.06,"sentiment":"neutral","sentiment_score":0.11589904482427396},{"text":"Yeah.","start":103.095,"end":103.494995,"sentiment":"neutral","sentiment_score":-0.058734968304634094},{"text":"Of course.","start":103.494995,"end":104.155,"sentiment":"neutral","sentiment_score":-0.07208408415317535},{"text":"Right.","start":118.005005,"end":118.505005,"sentiment":"neutral","sentiment_score":-0.17043200135231018},{"text":"Mhmm.","start":120.725006,"end":121.225006,"sentiment":"neutral","sentiment_score":-0.04802730306982994}],"sentiment":"neutral","sentiment_score":0.09262328516951827,"num_words":43,"start":84.799995,"end":121.225006},{"sentences":[{"text":"Mhmm.","start":141.475,"end":141.795,"sentiment":"neutral","sentiment_score":0.010008130222558975},{"text":"Yeah.","start":141.795,"end":142.195,"sentiment":"neutral","sentiment_score":0.08869874477386475},{"text":"It's a really good question.","start":142.195,"end":143.495,"sentiment":"positive","sentiment_score":0.3499134659767151},{"text":"So with the way your super is structured at the moment, you can't use the funds to purchase a home.","start":143.55501,"end":148.675,"sentiment":"neutral","sentiment_score":-0.0908968135714531},{"text":"The only way you could do that with utilizing real property is by having a self managed super fund.","start":148.675,"end":154.17,"sentiment":"neutral","sentiment_score":-0.030532989258828917}],"sentiment":"neutral","sentiment_score":-0.011951931792756786,"num_words":46,"start":141.475,"end":154.17},{"sentences":[{"text":"Inside the self managed super fund structure, that would mean that you're essentially a trustee.","start":155.13,"end":158.73,"sentiment":"neutral","sentiment_score":0.01110919564962387},{"text":"You're taking on more responsibility of looking after the fund and having a lot more say in what happens, but you, unfortunately, can't purchase a house that you can live in.","start":158.73,"end":166.425,"sentiment":"neutral","sentiment_score":-0.1534727209758374},{"text":"Under the rules of having a staff on your super fund, if you were to go down that route, the investments within the house within that fund would have to be what's called an arm blank transaction, which means that you're unable to use it for your purposes.","start":166.905,"end":180.365,"sentiment":"neutral","sentiment_score":-0.32816979568451643},{"text":"You still have to even though you're the trustee and the member, you still have to have that invested and have it, you know, rented out to someone else, not within, you know, your immediate family, not not a member of the fund because they don't let you live in a company for personal use.","start":180.69,"end":199.245,"sentiment":"neutral","sentiment_score":-0.21117683215574784},{"text":"It has to be an investment for the future of the member of the super fund, essentially.","start":199.245,"end":204.925,"sentiment":"neutral","sentiment_score":-0.018337826593779027}],"sentiment":"neutral","sentiment_score":-0.19439539415074558,"num_words":166,"start":155.13,"end":204.925},{"sentences":[{"text":"Does that make sense?","start":204.925,"end":206.065,"sentiment":"neutral","sentiment_score":0.019037430174648762},{"text":"Yeah.","start":207.9,"end":208.4,"sentiment":"neutral","sentiment_score":-0.07597938925027847},{"text":"Yeah.","start":210.78,"end":211.28,"sentiment":"neutral","sentiment_score":0.022114839404821396},{"text":"That's okay.","start":211.5,"end":212.22,"sentiment":"neutral","sentiment_score":0.06473059952259064},{"text":"With the balance you do have at the moment, it's not sort of recommended at this stage to be able to open a self managed super fund because you would need to use generally, when you are looking at purchasing a real property within a trust structure like that, you do have to have about a 20 to 30 deposit there.","start":212.22,"end":227.745,"sentiment":"neutral","sentiment_score":-0.28184047402417073}],"sentiment":"neutral","sentiment_score":-0.24696409486342166,"num_words":69,"start":204.925,"end":227.745},{"sentences":[{"text":"So we don't normally suggest anyone open up a self funded super fund unless their balance gets up to around that $300,000 mark because most of your funds do go to being locked into that property.","start":227.745,"end":238.31,"sentiment":"negative","sentiment_score":-0.3994656341771285},{"text":"The other aspect is generally a loan on those sorts of things are for about thirty years or so twenty to thirty years.","start":238.77,"end":245.33,"sentiment":"neutral","sentiment_score":-0.0030523910308661666},{"text":"So, you can't sort of, unlike having a property in your own name, make extra repayments to the loan.","start":245.33,"end":250.735,"sentiment":"neutral","sentiment_score":-0.04918761607749682},{"text":"Any extra repayments that you make are considered contributions towards super, so you do have to be very careful in that aspect.","start":250.735,"end":258.435,"sentiment":"neutral","sentiment_score":-0.11984853073954582},{"text":"So having a loan inside super does mean that you would probably have to work for a little bit longer there.","start":258.495,"end":264.0,"sentiment":"neutral","sentiment_score":0.01020143890664691}],"sentiment":"neutral","sentiment_score":-0.14717330569247447,"num_words":121,"start":227.745,"end":264.0},{"sentences":[{"text":"But is that something you're wanting to do down the track?","start":264.24,"end":266.32,"sentiment":"neutral","sentiment_score":0.0758721035989848},{"text":"Are you hoping to use your super to purchase property?","start":266.32,"end":268.88,"sentiment":"neutral","sentiment_score":0.11637729555368423},{"text":"What's your goal with your super when you retire?","start":268.88,"end":271.46,"sentiment":"neutral","sentiment_score":0.12401285105281407},{"text":"Yeah.","start":277.05502,"end":277.55502,"sentiment":"neutral","sentiment_score":-0.11599761992692947},{"text":"Yeah.","start":287.855,"end":288.355,"sentiment":"neutral","sentiment_score":-0.05567476898431778}],"sentiment":"neutral","sentiment_score":0.09196279267780483,"num_words":32,"start":264.24,"end":288.355},{"sentences":[{"text":"Yeah.","start":288.81,"end":289.31,"sentiment":"neutral","sentiment_score":-0.0726739689707756},{"text":"No.","start":296.09,"end":296.59,"sentiment":"neutral","sentiment_score":-0.22198714315891263},{"text":"Yeah.","start":300.65,"end":301.13,"sentiment":"neutral","sentiment_score":0.030776768922805783},{"text":"So the the prospect of renting through retirement is a realistic sort of prospect for yourself.","start":301.13,"end":306.055,"sentiment":"neutral","sentiment_score":0.12231768574565649},{"text":"You think you'll need to consider the rental, like, the cost of renting long term?","start":306.055,"end":311.355,"sentiment":"neutral","sentiment_score":0.041508423537015914}],"sentiment":"neutral","sentiment_score":0.06811249946408413,"num_words":34,"start":288.81,"end":311.355},{"sentences":[{"text":"Yeah.","start":313.255,"end":313.755,"sentiment":"neutral","sentiment_score":0.025158537551760674},{"text":"Yep.","start":314.45502,"end":314.775,"sentiment":"neutral","sentiment_score":0.056568440049886703},{"text":"That's okay.","start":314.775,"end":315.495,"sentiment":"neutral","sentiment_score":0.0919557511806488},{"text":"That's understandable.","start":315.495,"end":316.315,"sentiment":"neutral","sentiment_score":0.01476528897183016},{"text":"I'm having a look at things at the moment.","start":317.27,"end":318.71,"sentiment":"neutral","sentiment_score":0.02115080277952883}],"sentiment":"neutral","sentiment_score":0.032368418861490986,"num_words":15,"start":313.255,"end":318.71},{"sentences":[{"text":"So 65, you're you had a birthday in October.","start":318.71,"end":322.78998,"sentiment":"neutral","sentiment_score":0.05562610179185867},{"text":"So you're 61 this year.","start":322.78998,"end":324.15,"sentiment":"neutral","sentiment_score":0.06359255984425545},{"text":"You're 60 now.","start":324.15,"end":325.03,"sentiment":"neutral","sentiment_score":0.06644210343559583},{"text":"Is that right?","start":325.03,"end":325.84998,"sentiment":"neutral","sentiment_score":0.06524928410847981},{"text":"Yeah.","start":327.34998,"end":327.83,"sentiment":"neutral","sentiment_score":0.1762986034154892}],"sentiment":"neutral","sentiment_score":0.0661890705426534,"num_words":21,"start":318.71,"end":327.83},{"sentences":[{"text":"So there are some really cool strategies that we could maybe look to put in place for you to be able to help you to boost your balance there.","start":327.83,"end":333.955,"sentiment":"positive","sentiment_score":0.39877961832901526},{"text":"Just having a look, and I'll give you I'm actually gonna also send you through some annual review documents.","start":334.415,"end":338.915,"sentiment":"neutral","sentiment_score":0.21136479393432014},{"text":"Do you have access to your emails at the moment, or would you prefer me just to go through things and you can have a look at the documents later?","start":338.975,"end":344.895,"sentiment":"neutral","sentiment_score":0.10716731896003087},{"text":"What would you like me to do, Darren?","start":344.895,"end":346.595,"sentiment":"neutral","sentiment_score":0.062475678976625204},{"text":"Yeah.","start":353.9,"end":354.21997,"sentiment":"neutral","sentiment_score":0.1380707621574402}],"sentiment":"neutral","sentiment_score":0.22337282504672293,"num_words":87,"start":327.83,"end":354.21997},{"sentences":[{"text":"That's okay.","start":354.21997,"end":354.93997,"sentiment":"neutral","sentiment_score":0.17728543281555176},{"text":"I'm I've got your email address here.","start":354.93997,"end":356.86,"sentiment":"neutral","sentiment_score":0.1207368437732969},{"text":"It is your first so darrenvtessa@gmail.com.","start":356.86,"end":362.265,"sentiment":"neutral","sentiment_score":0.10780976116657257},{"text":"Is that right?","start":362.265,"end":363.085,"sentiment":"neutral","sentiment_score":0.03863856693108877},{"text":"Yep.","start":364.345,"end":364.825,"sentiment":"neutral","sentiment_score":0.3072125315666199}],"sentiment":"neutral","sentiment_score":0.12010587834649616,"num_words":19,"start":354.21997,"end":364.825},{"sentences":[{"text":"Perfect.","start":364.825,"end":365.145,"sentiment":"positive","sentiment_score":0.668536901473999},{"text":"I have this sent through some annual review documents to you, so feel free to have a bit of a look at those later.","start":365.145,"end":369.965,"sentiment":"neutral","sentiment_score":0.3138129139939944},{"text":"I'll go through everything with you and sort of give you a bit of an update on where your super is up to.","start":370.265,"end":374.505,"sentiment":"neutral","sentiment_score":0.2651009281044421},{"text":"Let's touch base a bit more about your goals.","start":374.505,"end":376.605,"sentiment":"neutral","sentiment_score":0.21131674945354462},{"text":"I did have a bit of a look at things earlier, and then it looks like there's some advice that we can definitely look to help provide that might put you in a better position.","start":376.86,"end":384.13998,"sentiment":"neutral","sentiment_score":0.330690256186894}],"sentiment":"neutral","sentiment_score":0.3018845423408177,"num_words":92,"start":364.825,"end":384.13998},{"sentences":[{"text":"So if you're comfortable, we'll go through this today, and then I'll go back and do some really in-depth research for you.","start":384.13998,"end":389.775,"sentiment":"neutral","sentiment_score":0.2206565629352223},{"text":"And I can update your strategies to see where we can help and what we can do moving forward to, you know, build on that retirement for you.","start":389.775,"end":397.215,"sentiment":"neutral","sentiment_score":0.22427694712366378},{"text":"Would you like that?","start":397.215,"end":398.275,"sentiment":"neutral","sentiment_score":0.14813726395368576},{"text":"Yeah.","start":399.855,"end":400.355,"sentiment":"neutral","sentiment_score":0.21765150129795072},{"text":"Beautiful.","start":400.495,"end":400.995,"sentiment":"positive","sentiment_score":0.5302157402038574}],"sentiment":"neutral","sentiment_score":0.22276098573846476,"num_words":56,"start":384.13998,"end":400.995},{"sentences":[{"text":"Beautiful.","start":401.375,"end":401.875,"sentiment":"positive","sentiment_score":0.5431201457977295},{"text":"Now your balance at the moment inside, Super, when I had a look as of yesterday's date, you had about a 180,772 and 13¢.","start":402.5,"end":412.02,"sentiment":"neutral","sentiment_score":0.3255462944507599},{"text":"So your balance has increased a little bit over the last twelve months, which is really good.","start":412.02,"end":416.415,"sentiment":"positive","sentiment_score":0.5150846540927887},{"text":"One of the things, when I have a look at how the performance has gone over the last twelve months there so sorry.","start":417.215,"end":423.715,"sentiment":"neutral","sentiment_score":0.15159387708358144},{"text":"After fees, you're up by 8.43%, which is not bad in any way, shape, or form.","start":424.415,"end":429.055,"sentiment":"neutral","sentiment_score":0.302409908734262}],"sentiment":"neutral","sentiment_score":0.31390427188016473,"num_words":81,"start":401.375,"end":429.055},{"sentences":[{"text":"It's actually quite a good return given the sort of balance that you do have.","start":429.055,"end":433.0,"sentiment":"positive","sentiment_score":0.5458195328712463},{"text":"And when we I know some people do prefer a dollar figure as opposed to a percentage.","start":433.0,"end":437.25998,"sentiment":"neutral","sentiment_score":0.1874550445114865},{"text":"So the return is a dollar figure after fees.","start":437.47998,"end":440.12,"sentiment":"neutral","sentiment_score":0.31388333936532337},{"text":"It means that your super is growing by $13,968.01.","start":440.12,"end":445.16,"sentiment":"positive","sentiment_score":0.5151890913645426},{"text":"That's the growth plus the income in the in the fund for the last twelve months, which is quite good.","start":445.16,"end":450.465,"sentiment":"positive","sentiment_score":0.5312736019492149}],"sentiment":"positive","sentiment_score":0.4208736095045294,"num_words":70,"start":429.055,"end":450.465},{"sentences":[{"text":"One of the things I would like to sort of look at is having a look at the underlying performance.","start":451.405,"end":456.785,"sentiment":"neutral","sentiment_score":0.3281564861536026},{"text":"So that is essentially what your whole portfolio has done, which is a positive sign you're up, and it's really good for the year.","start":456.845,"end":462.88998,"sentiment":"positive","sentiment_score":0.6485691492756208},{"text":"I'm just also having a look at the portfolio you're in as well.","start":463.19,"end":466.65,"sentiment":"neutral","sentiment_score":0.17525318780770668},{"text":"So sorry.","start":467.43,"end":467.99,"sentiment":"neutral","sentiment_score":-0.09777763113379478},{"text":"My computer is a little bit slow this morning.","start":467.99,"end":470.15,"sentiment":"neutral","sentiment_score":-0.19685222705205283}],"sentiment":"neutral","sentiment_score":0.32999787413898635,"num_words":68,"start":451.405,"end":470.15},{"sentences":[{"text":"I do apologize.","start":470.15,"end":470.97,"sentiment":"neutral","sentiment_score":-0.10554879407087962},{"text":"Sorry.","start":479.76498,"end":480.16498,"sentiment":"neutral","sentiment_score":-0.07354401051998138},{"text":"One moment.","start":480.16498,"end":480.805,"sentiment":"neutral","sentiment_score":-0.03377727046608925},{"text":"My computer is just spinning.","start":480.805,"end":482.345,"sentiment":"neutral","sentiment_score":0.25660641193389894},{"text":"I love technology when it wants to work.","start":482.88498,"end":485.145,"sentiment":"positive","sentiment_score":0.707570917904377}],"sentiment":"positive","sentiment_score":0.3413607615389322,"num_words":19,"start":470.15,"end":485.145},{"sentences":[{"text":"So having a look at things at the moment, it looks like we have sort of reduced your risk in the last couple of years.","start":487.56,"end":492.03998,"sentiment":"positive","sentiment_score":0.4250609624385834},{"text":"It looks like you may be in more of a balanced growth sort of portfolio at the moment.","start":492.03998,"end":496.37997,"sentiment":"positive","sentiment_score":0.5084743036164178},{"text":"When I have a look at all the underlying investments that you have in your portfolio there, your everything is doing really well.","start":497.0,"end":503.615,"sentiment":"positive","sentiment_score":0.4437354841957922},{"text":"Everything has shown a positive return, but just a couple of options there.","start":503.615,"end":507.395,"sentiment":"positive","sentiment_score":0.5675132251702822},{"text":"Your cybersecurity is down just a little bit.","start":507.775,"end":510.335,"sentiment":"neutral","sentiment_score":-0.07233465556055307}],"sentiment":"positive","sentiment_score":0.42280427983094904,"num_words":87,"start":487.56,"end":510.335},{"sentences":[{"text":"That's just due to it being a bit more volatile, but your cybersecurity was added into the portfolio as more of a satellite investment.","start":510.335,"end":518.10004,"sentiment":"neutral","sentiment_score":0.019100630035003025},{"text":"So it's one of the ones there that we do expect to have a bit more in the way of fluctuations because it is more of a niche.","start":518.24005,"end":524.48004,"sentiment":"neutral","sentiment_score":0.10414512003106731},{"text":"It's more of a it's a theme sort of investment option.","start":524.48004,"end":527.12006,"sentiment":"neutral","sentiment_score":0.13231023942882364},{"text":"We're looking at global cybersecurity, and it's you have a smaller amount of that in your portfolio.","start":527.12006,"end":532.91504,"sentiment":"neutral","sentiment_score":0.16808553785085678},{"text":"So we're aiming to kinda get greater potential benefits.","start":533.055,"end":535.635,"sentiment":"positive","sentiment_score":0.4383581876754761}],"sentiment":"neutral","sentiment_score":0.13070302188731311,"num_words":89,"start":510.335,"end":535.635},{"sentences":[{"text":"So I'm not in any way, shape, or form worried about the cybersecurity side of things at the moment.","start":535.695,"end":540.675,"sentiment":"neutral","sentiment_score":-0.13678311419330144},{"text":"It just had a little bit of a dip.","start":541.135,"end":542.7,"sentiment":"neutral","sentiment_score":-0.13519803848531511},{"text":"The investment that I am a little bit concerned about is your Bennelong Australian Equities.","start":542.94,"end":547.02,"sentiment":"neutral","sentiment_score":-0.014559293705193948},{"text":"So you do have a fair chunk of your portfolio in that Bennelong Australian Equities component, and it's not your only exposure into Australian Equities within this portfolio.","start":547.02,"end":556.32,"sentiment":"neutral","sentiment_score":0.038388848171702454},{"text":"So all your other Australian exposure has done really, really well, but Bennelong has seen a bit of a dip.","start":556.54004,"end":562.965,"sentiment":"neutral","sentiment_score":0.012781021744012832}],"sentiment":"neutral","sentiment_score":-0.029709260856379642,"num_words":91,"start":535.695,"end":562.965},{"sentences":[{"text":"And in your portfolio, it's down by about 15% there.","start":563.10504,"end":566.54504,"sentiment":"neutral","sentiment_score":-0.08342772610485553},{"text":"So it is quite significantly down.","start":566.54504,"end":569.025,"sentiment":"neutral","sentiment_score":-0.1341817540427049},{"text":"I feel like it has maybe you made a little bit of an impact to your overall return for this year, and that is down because of what's happened with one of the underlying investors.","start":569.025,"end":577.61005,"sentiment":"neutral","sentiment_score":0.08693547270127705},{"text":"I'm not sure if you follow the news a great deal with regard to the markets.","start":577.61005,"end":581.77,"sentiment":"neutral","sentiment_score":-0.051366224652156234},{"text":"Do you sort of have a look at things very often?","start":581.77,"end":583.95,"sentiment":"neutral","sentiment_score":-0.032108322124589576}],"sentiment":"neutral","sentiment_score":0.0029272130953195766,"num_words":78,"start":563.10504,"end":583.95},{"sentences":[{"text":"Yeah.","start":590.065,"end":590.565,"sentiment":"neutral","sentiment_score":-0.04159867763519287},{"text":"Yep.","start":591.025,"end":591.525,"sentiment":"neutral","sentiment_score":-0.08943510055541992},{"text":"Yeah.","start":600.87994,"end":601.37994,"sentiment":"neutral","sentiment_score":-0.03675338625907898},{"text":"No.","start":601.92,"end":602.42,"sentiment":"neutral","sentiment_score":-0.21136367321014404},{"text":"That's okay.","start":602.56,"end":603.27997,"sentiment":"neutral","sentiment_score":-0.006355376914143562}],"sentiment":"neutral","sentiment_score":-0.06531026524802049,"num_words":6,"start":590.065,"end":603.27997},{"sentences":[{"text":"That's not a problem at all.","start":603.27997,"end":604.31995,"sentiment":"neutral","sentiment_score":0.23732638110717139},{"text":"And that's why I'm here for as well.","start":604.31995,"end":605.83997,"sentiment":"neutral","sentiment_score":0.23154980316758156},{"text":"Part of what I love is the educational value towards what we do.","start":605.83997,"end":609.44,"sentiment":"positive","sentiment_score":0.5441290392325475},{"text":"So, essentially, to give you a bit of an overview, Bennelong had one of their underlying investments, Corporate Traveler.","start":609.44,"end":616.255,"sentiment":"neutral","sentiment_score":0.04320823773741722},{"text":"And late last year, Corporate Traveler had a bit of an issue.","start":616.39496,"end":618.95496,"sentiment":"neutral","sentiment_score":-0.16524751919011274}],"sentiment":"neutral","sentiment_score":0.15841414670235124,"num_words":58,"start":603.27997,"end":618.95496},{"sentences":[{"text":"They were being a bit dishonest to the market.","start":618.95496,"end":620.71497,"sentiment":"negative","sentiment_score":-0.4872172110610538},{"text":"They weren't accounting properly.","start":620.71497,"end":622.815,"sentiment":"negative","sentiment_score":-0.38679347932338715},{"text":"So that came out when they had to report.","start":622.95496,"end":625.45496,"sentiment":"neutral","sentiment_score":-0.21519545217355093},{"text":"Bennelong had to go back and reevaluate that portion of their investments, and it meant that everyone has now gone back and reevaluated Bennelong as well.","start":625.77,"end":633.69,"sentiment":"neutral","sentiment_score":-0.1506111521560412},{"text":"So our investment committee early this year have met to decide they no longer want to hold Bennelong in the portfolios.","start":633.69,"end":639.71,"sentiment":"neutral","sentiment_score":-0.2586062259617306}],"sentiment":"neutral","sentiment_score":-0.24950012445881747,"num_words":69,"start":618.95496,"end":639.71},{"sentences":[{"text":"We do feel it is really important to move everybody out of that one.","start":640.33496,"end":643.875,"sentiment":"negative","sentiment_score":-0.3679263506616865},{"text":"So I would like to, as part of the advice, update the strategy for you, have a look at removing that and putting something else in its place.","start":644.33496,"end":651.475,"sentiment":"neutral","sentiment_score":-0.014902917801269464},{"text":"We can look at more of a Bennelong was placed in your portfolio as more of an actively managed strategy.","start":651.77496,"end":657.37,"sentiment":"neutral","sentiment_score":0.05662521896883845},{"text":"However, Bennelong don't do a great deal of active management under the back.","start":657.43,"end":661.67,"sentiment":"neutral","sentiment_score":-0.24082728016834992},{"text":"They haven't actually replaced many of their investments over the last couple of years since COVID, basically.","start":661.67,"end":667.05,"sentiment":"neutral","sentiment_score":-0.17450277025208755}],"sentiment":"neutral","sentiment_score":-0.11448965179126548,"num_words":92,"start":640.33496,"end":667.05},{"sentences":[{"text":"They kinda hold strong on the investments as they believe in the in the fund there, and it has sort of caused them to underperform a little bit, which is a bit concerning.","start":667.635,"end":675.655,"sentiment":"neutral","sentiment_score":-0.24595030668106946},{"text":"You're obviously working hard for your retirement, so we wanna make sure the portfolios are working hard for you too.","start":676.03503,"end":681.575,"sentiment":"neutral","sentiment_score":0.20363706927746533},{"text":"So we can replace it with something that's a little bit more passively managed because you are older and something a bit more low cost, hopefully, reduce some of the fees within the fund for you and look at something that's got a greater past performance, which should hopefully benefit you a bit more in the future.","start":682.07996,"end":696.925,"sentiment":"positive","sentiment_score":0.3734041238040255},{"text":"Does that sound okay with you?","start":696.925,"end":698.785,"sentiment":"neutral","sentiment_score":0.21840096016724905},{"text":"Yeah.","start":701.245,"end":701.745,"sentiment":"neutral","sentiment_score":0.12103896588087082}],"sentiment":"neutral","sentiment_score":0.15958855597254556,"num_words":117,"start":667.635,"end":701.745},{"sentences":[{"text":"Yep.","start":702.925,"end":703.425,"sentiment":"neutral","sentiment_score":0.0960324853658676},{"text":"Yep.","start":704.925,"end":705.425,"sentiment":"neutral","sentiment_score":0.099643275141716},{"text":"Perfect.","start":705.485,"end":705.985,"sentiment":"neutral","sentiment_score":0.17314927279949188},{"text":"Yeah.","start":706.94,"end":707.44,"sentiment":"neutral","sentiment_score":-0.09624585509300232},{"text":"Yep.","start":712.86,"end":713.36,"sentiment":"neutral","sentiment_score":-0.072588711977005}],"sentiment":"neutral","sentiment_score":0.03999809324741364,"num_words":5,"start":702.925,"end":713.36},{"sentences":[{"text":"Of course.","start":717.58,"end":718.24,"sentiment":"neutral","sentiment_score":-0.06372323632240295},{"text":"Yeah.","start":718.955,"end":719.455,"sentiment":"neutral","sentiment_score":0.00028683803975582123},{"text":"Absolutely.","start":719.59503,"end":720.09503,"sentiment":"neutral","sentiment_score":0.21847335994243625},{"text":"Definitely.","start":720.715,"end":721.215,"sentiment":"neutral","sentiment_score":0.11387549340724944},{"text":"And would you know what age you would like to maybe stop working?","start":721.275,"end":725.355,"sentiment":"neutral","sentiment_score":-0.09562926997358982}],"sentiment":"neutral","sentiment_score":-0.05766618282844623,"num_words":18,"start":717.58,"end":725.355},{"sentences":[{"text":"What age are you sort of hoping for the full retirement aspect?","start":725.355,"end":729.215,"sentiment":"neutral","sentiment_score":-0.06473356174925964},{"text":"No.","start":731.05005,"end":731.55005,"sentiment":"neutral","sentiment_score":-0.3186700642108917},{"text":"Yep.","start":732.57,"end":733.07,"sentiment":"negative","sentiment_score":-0.34350281953811646},{"text":"No.","start":735.61005,"end":736.09,"sentiment":"neutral","sentiment_score":-0.2588854432106018},{"text":"Understandable.","start":736.09,"end":736.59,"sentiment":"neutral","sentiment_score":-0.23342791199684143}],"sentiment":"neutral","sentiment_score":-0.12070556124672294,"num_words":16,"start":725.355,"end":736.59},{"sentences":[{"text":"Okay.","start":746.26495,"end":746.665,"sentiment":"neutral","sentiment_score":-0.0904565304517746},{"text":"No.","start":746.665,"end":746.82495,"sentiment":"neutral","sentiment_score":-0.1909382939338684},{"text":"That's understandable.","start":746.82495,"end":747.565,"sentiment":"neutral","sentiment_score":-0.16990992426872253},{"text":"Well, I mean, how do you you're right.","start":748.505,"end":750.185,"sentiment":"neutral","sentiment_score":-0.015368627617135644},{"text":"So sorry.","start":750.185,"end":750.925,"sentiment":"neutral","sentiment_score":-0.17943120002746582}],"sentiment":"neutral","sentiment_score":-0.0787875781367932,"num_words":14,"start":746.26495,"end":750.925},{"sentences":[{"text":"Mhmm.","start":761.17,"end":761.67,"sentiment":"neutral","sentiment_score":-0.09703359007835388},{"text":"Yes.","start":767.66504,"end":768.16504,"sentiment":"neutral","sentiment_score":-0.15279877185821533},{"text":"Yeah.","start":777.10504,"end":777.60504,"sentiment":"neutral","sentiment_score":-0.03026309423148632},{"text":"Absolutely.","start":777.905,"end":778.405,"sentiment":"neutral","sentiment_score":0.04886792227625847},{"text":"Okay.","start":789.35,"end":789.85,"sentiment":"neutral","sentiment_score":0.04853271320462227}],"sentiment":"neutral","sentiment_score":-0.03653896413743496,"num_words":5,"start":761.17,"end":789.85},{"sentences":[{"text":"Yeah.","start":794.965,"end":795.28503,"sentiment":"neutral","sentiment_score":0.07671862840652466},{"text":"Of course.","start":795.28503,"end":795.945,"sentiment":"neutral","sentiment_score":0.06436938233673573},{"text":"Yeah.","start":796.485,"end":796.985,"sentiment":"neutral","sentiment_score":0.04141391068696976},{"text":"Yep.","start":798.565,"end":799.065,"sentiment":"neutral","sentiment_score":0.01764613389968872},{"text":"Yeah.","start":806.34,"end":806.84,"sentiment":"neutral","sentiment_score":0.03734981268644333}],"sentiment":"neutral","sentiment_score":0.050311208392182984,"num_words":6,"start":794.965,"end":806.84},{"sentences":[{"text":"Absolutely.","start":807.14,"end":807.64,"sentiment":"neutral","sentiment_score":0.2967000901699066},{"text":"Well, one of the really good strategies that we do have access to now, and I'm more than happy to go back and have a good look to see if this is gonna help or provide some benefit for you, is what's called a transition retirement strategy.","start":808.5,"end":819.575,"sentiment":"positive","sentiment_score":0.4625317435315315},{"text":"Have you heard of this before?","start":819.575,"end":820.955,"sentiment":"neutral","sentiment_score":0.09447259704271953},{"text":"Yeah.","start":823.575,"end":824.075,"sentiment":"neutral","sentiment_score":0.309749960899353},{"text":"Perfect.","start":825.09503,"end":825.59503,"sentiment":"positive","sentiment_score":0.497085303068161}],"sentiment":"positive","sentiment_score":0.41802433718528065,"num_words":56,"start":807.14,"end":825.59503},{"sentences":[{"text":"So, essentially, that's where I would have a look at what you're earning, what your take home pay looks like.","start":825.655,"end":830.07,"sentiment":"neutral","sentiment_score":0.2119519107043743},{"text":"If you're wanting to sort of keep your take home pay at the same level, we can look at maybe maximizing contributions in the super as much as possible.","start":830.07,"end":837.77,"sentiment":"neutral","sentiment_score":0.25812974623565016},{"text":"It does mean that we are then moving some money into what's called a an account based transition retirement pension account.","start":838.23004,"end":845.295,"sentiment":"neutral","sentiment_score":0.23673827378522783},{"text":"So you would have your super account and the secondary pension account.","start":845.295,"end":848.675,"sentiment":"neutral","sentiment_score":0.2639651956657569},{"text":"Because you're increasing your contributions in the super as much as we possibly can to benefit you, it does sort of mean that your take home pay reduces.","start":848.895,"end":857.235,"sentiment":"positive","sentiment_score":0.40626995850886616}],"sentiment":"neutral","sentiment_score":0.2839949617331678,"num_words":110,"start":825.655,"end":857.235},{"sentences":[{"text":"So if you're wanting to keep the same take home pay, we can then start to reduce some money out of super.","start":857.4,"end":863.48004,"sentiment":"neutral","sentiment_score":0.2003567096861926},{"text":"So you put more in.","start":863.48004,"end":864.94,"sentiment":"neutral","sentiment_score":0.2729482173919678},{"text":"You have the two accounts, and we replenish your income with some money from super.","start":865.0,"end":869.9,"sentiment":"positive","sentiment_score":0.4046771268049876},{"text":"You actually end up putting in more than you're taking out because the tax inside super is less than your marginal tax rate normally.","start":869.96,"end":876.265,"sentiment":"positive","sentiment_score":0.40342713706195354},{"text":"But you get to pay have the same take home pay.","start":877.04504,"end":879.685,"sentiment":"positive","sentiment_score":0.42297625270756806}],"sentiment":"positive","sentiment_score":0.3399705931350782,"num_words":77,"start":857.4,"end":879.685},{"sentences":[{"text":"The amount you're drawing out of super is completely tax free.","start":879.685,"end":883.04504,"sentiment":"positive","sentiment_score":0.5959541770544919},{"text":"So it helps to give you a benefit of reducing the amount of income tax you might pay on your income, but the main benefit is of putting more money into SOFA, into that tax effective environment so it's invested for you long term.","start":883.04504,"end":895.54,"sentiment":"positive","sentiment_score":0.5809898288412527},{"text":"Are you open to me doing a little bit of research around that and maybe coming up with a strategy that might help you?","start":895.92,"end":901.7,"sentiment":"neutral","sentiment_score":0.19313057605177164},{"text":"Yeah.","start":903.70496,"end":904.20496,"sentiment":"neutral","sentiment_score":-0.017409304156899452},{"text":"Yeah.","start":904.345,"end":904.845,"sentiment":"neutral","sentiment_score":0.04647392779588699}],"sentiment":"positive","sentiment_score":0.45411415883328443,"num_words":81,"start":879.685,"end":904.845},{"sentences":[{"text":"Perfect.","start":904.985,"end":905.485,"sentiment":"positive","sentiment_score":0.5791088938713074},{"text":"Excellent.","start":905.865,"end":906.365,"sentiment":"positive","sentiment_score":0.5882061719894409},{"text":"If you want, what I can also do is I know you are in Netwealth at the moment, and when you came on board, Netwealth was a great platform.","start":906.90497,"end":912.845,"sentiment":"neutral","sentiment_score":0.23236557764225993},{"text":"I will look at Netwealth as well as other platforms out there.","start":913.46497,"end":916.93,"sentiment":"neutral","sentiment_score":0.3024976427356402},{"text":"If there was something to be better that provided greater benefit, are you open to me altering or moving you to another platform for your super fund, or are you sorta happy to stay in Netwealth?","start":916.93,"end":927.26996,"sentiment":"neutral","sentiment_score":0.0976341317097346}],"sentiment":"neutral","sentiment_score":0.19051540850461285,"num_words":79,"start":904.985,"end":927.26996},{"sentences":[{"text":"What's your thoughts there?","start":927.33,"end":928.63,"sentiment":"neutral","sentiment_score":0.017301429994404316},{"text":"I'm sorry.","start":931.845,"end":932.40497,"sentiment":"neutral","sentiment_score":-0.137864887714386},{"text":"I'll ask all the questions you've probably never thought about.","start":932.40497,"end":934.82495,"sentiment":"neutral","sentiment_score":-0.1524134434759617},{"text":"Mhmm.","start":939.285,"end":939.785,"sentiment":"neutral","sentiment_score":-0.10756101459264757},{"text":"Yep.","start":953.555,"end":954.055,"sentiment":"neutral","sentiment_score":-0.01747756078839302}],"sentiment":"neutral","sentiment_score":-0.10309428142176734,"num_words":18,"start":927.33,"end":954.055},{"sentences":[{"text":"Yep.","start":956.515,"end":956.875,"sentiment":"neutral","sentiment_score":-0.011466190218925476},{"text":"Yep.","start":956.875,"end":957.235,"sentiment":"neutral","sentiment_score":0.006050236523151398},{"text":"Yep.","start":957.235,"end":957.735,"sentiment":"neutral","sentiment_score":0.013673758134245872},{"text":"Yep.","start":961.955,"end":962.03503,"sentiment":"neutral","sentiment_score":0.14583441615104675},{"text":"Absolutely.","start":962.03503,"end":962.53503,"sentiment":"neutral","sentiment_score":0.29160276055336}],"sentiment":"neutral","sentiment_score":0.08913899622857571,"num_words":5,"start":956.515,"end":962.53503},{"sentences":[{"text":"Well, if if you like, I'll go and do the research for you on Netwealth as well as the other super fund options out there to see what's gonna provide greater benefits, sort of look at the fees for you as well.","start":962.915,"end":973.13,"sentiment":"neutral","sentiment_score":0.10947478402938161},{"text":"I'll also look at the CGT consequences because one of the big things to consider is that you have been invested in this platform for a while in the super fund, and you've got these underlying investments there, we wanna make sure that we're not gonna, you know, cause too much of a tax consequence.","start":973.13,"end":987.605,"sentiment":"neutral","sentiment_score":0.01876957431774248},{"text":"Because your fund still has to do tax returns, and they pay capital gains tax and income tax on the investments within the fund every year.","start":987.605,"end":994.805,"sentiment":"neutral","sentiment_score":-0.014081195641595583},{"text":"So I'll have a look at the super funds.","start":994.805,"end":997.87,"sentiment":"neutral","sentiment_score":0.03991494203607241},{"text":"I'll have a look at the investments.","start":997.87,"end":999.15,"sentiment":"neutral","sentiment_score":0.0452253060149295}],"sentiment":"neutral","sentiment_score":0.04273358309681682,"num_words":139,"start":962.915,"end":999.15},{"sentences":[{"text":"I'll look at the tax consequences for you, and I'll also look at that transfer time strategy to see if it's gonna provide benefit.","start":999.15,"end":1005.65,"sentiment":"neutral","sentiment_score":0.06391633007054527},{"text":"And then I can come back and update the advice strategy for you and show you what we're gonna do to help you out.","start":1006.02997,"end":1011.285,"sentiment":"neutral","sentiment_score":0.09165955738474925},{"text":"How does that sound?","start":1012.00494,"end":1013.065,"sentiment":"neutral","sentiment_score":0.0651183221489191},{"text":"Yeah?","start":1013.685,"end":1014.185,"sentiment":"neutral","sentiment_score":0.04397109150886536},{"text":"Beautiful.","start":1014.805,"end":1015.305,"sentiment":"positive","sentiment_score":0.3757731318473816}],"sentiment":"neutral","sentiment_score":0.08174145946072207,"num_words":54,"start":999.15,"end":1015.305},{"sentences":[{"text":"I'll do a nice in-depth bit of research there for you, Darren.","start":1015.685,"end":1018.805,"sentiment":"neutral","sentiment_score":0.23063061386346817},{"text":"Now it does take me a little bit to put the research together.","start":1018.805,"end":1021.545,"sentiment":"neutral","sentiment_score":0.07682567290388621},{"text":"A lot of my clients are in that retirement sort of space, so I do do a lot of in-depth research there.","start":1022.165,"end":1026.57,"sentiment":"neutral","sentiment_score":0.05944282197478143},{"text":"But once I have that all ready to go, I'll come back, book you back in, and we'll go through that document together so you can see what we're recommending, why the advantages, the disadvantages, and the risks involved before you decide to take on the advice.","start":1026.57,"end":1038.9551,"sentiment":"neutral","sentiment_score":0.05393347096569995},{"text":"Does that sound alright with you?","start":1038.9551,"end":1040.495,"sentiment":"neutral","sentiment_score":0.053788055976231895}],"sentiment":"neutral","sentiment_score":0.07931644668802619,"num_words":100,"start":1015.685,"end":1040.495},{"sentences":[{"text":"Yep.","start":1041.915,"end":1042.415,"sentiment":"neutral","sentiment_score":0.15451127290725708},{"text":"Beautiful.","start":1042.715,"end":1043.215,"sentiment":"positive","sentiment_score":0.6097055673599243},{"text":"Lovely.","start":1043.435,"end":1043.915,"sentiment":"positive","sentiment_score":0.6652181148529053},{"text":"I've got some work to do.","start":1043.915,"end":1044.9551,"sentiment":"positive","sentiment_score":0.544216051697731},{"text":"I love it.","start":1044.9551,"end":1045.355,"sentiment":"positive","sentiment_score":0.7422513961791992}],"sentiment":"positive","sentiment_score":0.5767904544870058,"num_words":12,"start":1041.915,"end":1045.355},{"sentences":[{"text":"That's fantastic.","start":1045.355,"end":1046.095,"sentiment":"positive","sentiment_score":0.5201681554317474},{"text":"Now I know you don't not really sure exactly what age you'd like to realistically retire, but just so I have a bit of a goal to work on, do you think you'd be sort of working towards maybe 65, 66?","start":1047.275,"end":1058.24,"sentiment":"neutral","sentiment_score":0.031314760991712896},{"text":"Do you think you'd probably be able to start working or hopefully be able to start working around age pension age?","start":1058.24,"end":1063.5199,"sentiment":"neutral","sentiment_score":0.031668846894587786},{"text":"What's your sort of thoughts?","start":1063.5199,"end":1064.98,"sentiment":"neutral","sentiment_score":0.0018205047585070136},{"text":"Health.","start":1077.285,"end":1077.785,"sentiment":"neutral","sentiment_score":-0.016105644404888153}],"sentiment":"neutral","sentiment_score":0.04260405965282449,"num_words":70,"start":1045.355,"end":1077.785},{"sentences":[{"text":"Yeah.","start":1077.845,"end":1078.345,"sentiment":"neutral","sentiment_score":-0.059581585228443146},{"text":"Yeah.","start":1080.51,"end":1081.01,"sentiment":"neutral","sentiment_score":0.0046762339770793915},{"text":"Yep.","start":1085.23,"end":1085.73,"sentiment":"neutral","sentiment_score":0.01485661044716835},{"text":"Yep.","start":1091.085,"end":1091.405,"sentiment":"neutral","sentiment_score":0.06953251361846924},{"text":"That's okay.","start":1091.405,"end":1092.125,"sentiment":"neutral","sentiment_score":0.15599901974201202}],"sentiment":"neutral","sentiment_score":0.056913635383049645,"num_words":6,"start":1077.845,"end":1092.125},{"sentences":[{"text":"Well, at the moment, if you're eligible too, you can also apply for the age pension at age 67.","start":1092.125,"end":1097.8049,"sentiment":"neutral","sentiment_score":0.13306038081645966},{"text":"You can actually apply thirteen weeks out from that.","start":1097.8049,"end":1100.465,"sentiment":"neutral","sentiment_score":0.15812464555104574},{"text":"Would you like me to work on I can look at what we expect around age 65, but then I can also look at age 67 for you.","start":1100.525,"end":1107.76,"sentiment":"neutral","sentiment_score":0.09329502776797328},{"text":"And I can also look to maybe factor in because you're already 60.","start":1107.76,"end":1111.28,"sentiment":"neutral","sentiment_score":0.0724059844819399},{"text":"We're only sort of working well, even at ten year mark.","start":1111.28,"end":1114.1001,"sentiment":"neutral","sentiment_score":0.09083169630982658}],"sentiment":"neutral","sentiment_score":0.10629945350810885,"num_words":80,"start":1092.125,"end":1114.1001},{"sentences":[{"text":"I can have a look at maybe the eligibility for age pension there as well and see that with your super, what it might look like for you and how sort of longevity wise that might provide.","start":1114.48,"end":1125.1951,"sentiment":"neutral","sentiment_score":0.1348899781099848},{"text":"Does that sound okay?","start":1125.1951,"end":1127.055,"sentiment":"neutral","sentiment_score":0.10459700413048267},{"text":"Yeah.","start":1128.555,"end":1129.055,"sentiment":"neutral","sentiment_score":0.13346287608146667},{"text":"Yep.","start":1129.275,"end":1129.675,"sentiment":"neutral","sentiment_score":0.2412491738796234},{"text":"Perfect.","start":1129.675,"end":1130.175,"sentiment":"positive","sentiment_score":0.6037557125091553}],"sentiment":"neutral","sentiment_score":0.14517693111503666,"num_words":44,"start":1114.48,"end":1130.175},{"sentences":[{"text":"Lovely.","start":1132.76,"end":1133.26,"sentiment":"positive","sentiment_score":0.6016740798950195},{"text":"Okay.","start":1133.56,"end":1134.06,"sentiment":"positive","sentiment_score":0.37308287620544434},{"text":"I will add that into the list of things.","start":1134.44,"end":1136.6,"sentiment":"neutral","sentiment_score":0.296591396133105},{"text":"That's perfect.","start":1136.6,"end":1137.42,"sentiment":"positive","sentiment_score":0.6352210640907288},{"text":"I will look at that for you.","start":1137.72,"end":1139.42,"sentiment":"positive","sentiment_score":0.3490384178502219}],"sentiment":"positive","sentiment_score":0.367889528721571,"num_words":20,"start":1132.76,"end":1139.42},{"sentences":[{"text":"Now the other thing to sorta consider is I know you're not really sure what kinda income you might need, but do you know roughly what sort of income are you on at the moment?","start":1139.72,"end":1148.095,"sentiment":"neutral","sentiment_score":0.009986485008682523},{"text":"Do you think you wanna keep a very similar income in retirement, or do you feel like there's a set amount that you would wanna cover for expenses?","start":1148.095,"end":1155.615,"sentiment":"neutral","sentiment_score":0.02117252828819411},{"text":"I know it's quite hard to sort of think about it.","start":1155.615,"end":1158.01,"sentiment":"neutral","sentiment_score":-0.08641512217846783},{"text":"But did you want me to work on your current income amount for, you know, living expenses and rent in retirement, or what's your thoughts with the income?","start":1158.01,"end":1165.55,"sentiment":"neutral","sentiment_score":0.01439963367634586},{"text":"Yep.","start":1175.545,"end":1176.045,"sentiment":"neutral","sentiment_score":-0.016838928684592247}],"sentiment":"neutral","sentiment_score":0.003671283860808437,"num_words":103,"start":1139.72,"end":1176.045},{"sentences":[{"text":"Yeah.","start":1184.52,"end":1185.02,"sentiment":"neutral","sentiment_score":0.0035172998905181885},{"text":"Yep.","start":1185.24,"end":1185.74,"sentiment":"neutral","sentiment_score":0.0702987015247345},{"text":"That's okay.","start":1187.0,"end":1187.9,"sentiment":"neutral","sentiment_score":0.16089708358049393},{"text":"How much rent are you paying at the moment on a weekly basis?","start":1188.04,"end":1191.18,"sentiment":"neutral","sentiment_score":0.027968535343041785},{"text":"Yep.","start":1197.655,"end":1198.155,"sentiment":"neutral","sentiment_score":0.020881786942481995}],"sentiment":"neutral","sentiment_score":0.04333793972101477,"num_words":18,"start":1184.52,"end":1198.155},{"sentences":[{"text":"Yep.","start":1201.175,"end":1201.675,"sentiment":"neutral","sentiment_score":0.01051401160657406},{"text":"Okay.","start":1204.295,"end":1204.795,"sentiment":"neutral","sentiment_score":0.025897838175296783},{"text":"Yeah.","start":1216.4701,"end":1216.9701,"sentiment":"neutral","sentiment_score":0.14534391462802887},{"text":"Okay.","start":1218.8049,"end":1219.3049,"sentiment":"positive","sentiment_score":0.363980770111084},{"text":"Perfect.","start":1221.125,"end":1221.625,"sentiment":"positive","sentiment_score":0.5689897537231445}],"sentiment":"neutral","sentiment_score":0.22294525764882564,"num_words":5,"start":1201.175,"end":1221.625},{"sentences":[{"text":"Well, I can just sort of use this for the moment.","start":1221.6849,"end":1224.6649,"sentiment":"positive","sentiment_score":0.39348466017029504},{"text":"What's your gross or your take home pay at the moment?","start":1225.125,"end":1228.245,"sentiment":"neutral","sentiment_score":0.14592853053049606},{"text":"What are you sort of earning on a or on a weekly basis?","start":1228.245,"end":1230.965,"sentiment":"neutral","sentiment_score":0.0831344872713089},{"text":"Do you know what your income looks like?","start":1230.965,"end":1232.9049,"sentiment":"neutral","sentiment_score":0.04400615091435611},{"text":"Yep.","start":1239.52,"end":1240.02,"sentiment":"neutral","sentiment_score":0.09896016120910645}],"sentiment":"neutral","sentiment_score":0.169665972744538,"num_words":44,"start":1221.6849,"end":1240.02},{"sentences":[{"text":"Yep.","start":1255.535,"end":1256.035,"sentiment":"neutral","sentiment_score":0.03286507725715637},{"text":"Is that your take home pay?","start":1259.79,"end":1261.47,"sentiment":"neutral","sentiment_score":0.018162434610227745},{"text":"Yep.","start":1261.47,"end":1261.97,"sentiment":"neutral","sentiment_score":0.025114666670560837},{"text":"So 1,500 to 2,200.","start":1263.55,"end":1265.89,"sentiment":"neutral","sentiment_score":0.031199953984469175},{"text":"On the average week, would you say your income's more towards that 1,500, or do you think you're up around that 2,200 more regularly?","start":1266.43,"end":1274.345,"sentiment":"neutral","sentiment_score":0.02684553697084387}],"sentiment":"neutral","sentiment_score":0.0260013070785337,"num_words":36,"start":1255.535,"end":1274.345},{"sentences":[{"text":"Okay.","start":1280.005,"end":1280.505,"sentiment":"neutral","sentiment_score":0.03764595091342926},{"text":"Yep.","start":1281.125,"end":1281.625,"sentiment":"neutral","sentiment_score":0.08329242467880249},{"text":"Yep.","start":1281.925,"end":1282.3251,"sentiment":"neutral","sentiment_score":0.07466736435890198},{"text":"Did you did you want me to make make it so your take home pay remains around that $1,500 mark or $1,800?","start":1282.3251,"end":1290.4601,"sentiment":"neutral","sentiment_score":0.024536432359706272},{"text":"What would you sort of like your take home pay to be on a on a weekly basis?","start":1290.4601,"end":1294.64,"sentiment":"neutral","sentiment_score":0.018390274606645107}],"sentiment":"neutral","sentiment_score":0.024800748715913572,"num_words":43,"start":1280.005,"end":1294.64},{"sentences":[{"text":"Fifteen 100?","start":1299.02,"end":1300.0801,"sentiment":"neutral","sentiment_score":-0.007123912684619427},{"text":"Yep.","start":1300.595,"end":1301.095,"sentiment":"neutral","sentiment_score":0.07138822972774506},{"text":"Perfect.","start":1301.235,"end":1301.735,"sentiment":"positive","sentiment_score":0.3520814776420593},{"text":"So I'll keep your take home pay at that $1,500 mark.","start":1302.435,"end":1305.975,"sentiment":"neutral","sentiment_score":0.2475317337296226},{"text":"Now with your contribution, so what we'll essentially do with the research is we have a look at how much we can transfer into the pension side of things.","start":1306.675,"end":1315.015,"sentiment":"neutral","sentiment_score":0.1361027018263422}],"sentiment":"neutral","sentiment_score":0.16088748422705315,"num_words":44,"start":1299.02,"end":1315.015},{"sentences":[{"text":"We have to leave some money.","start":1315.24,"end":1316.5199,"sentiment":"neutral","sentiment_score":0.05787030731638273},{"text":"Generally, it's about 10,000.","start":1316.5199,"end":1317.96,"sentiment":"neutral","sentiment_score":0.04590531624853611},{"text":"We sometimes also have to leave the tax liability there.","start":1317.96,"end":1320.6799,"sentiment":"neutral","sentiment_score":0.003496228531002998},{"text":"So we play around with how much we can move into pension and how much we leave in the accumulation side to keep your super open.","start":1320.6799,"end":1326.84,"sentiment":"neutral","sentiment_score":0.07867197233896989},{"text":"Because you're still working.","start":1326.84,"end":1327.88,"sentiment":"neutral","sentiment_score":0.2125302031636238}],"sentiment":"neutral","sentiment_score":0.06922794975340367,"num_words":50,"start":1315.24,"end":1327.88},{"sentences":[{"text":"You want those contributions to be going in and being invested.","start":1327.88,"end":1330.62,"sentiment":"neutral","sentiment_score":0.2093403380025517},{"text":"I'll look at your take home pay trying to keep that at 1,500 and then also look at what we can put in.","start":1331.375,"end":1337.795,"sentiment":"neutral","sentiment_score":0.111927787894788},{"text":"So what we put in will always be more than what we take out because we're putting more money in as taxed at a lower rate than our marginal tax rate, and we don't have to take as much out.","start":1338.0951,"end":1348.1399,"sentiment":"neutral","sentiment_score":0.19421748109161854},{"text":"So it's a little bit of a juggling ask, but we'll go back and do the research for you, try to keep that take home pay around that $1,500 mark for you, and look at what we can put into super to sort of provide that benefit for you.","start":1348.1399,"end":1359.525,"sentiment":"neutral","sentiment_score":0.21065664276176568},{"text":"If it comes back that say that this strategy isn't gonna be as effective for you, it's not gonna give you the kind of growth that we're after.","start":1359.925,"end":1366.985,"sentiment":"neutral","sentiment_score":-0.21031185372599534}],"sentiment":"neutral","sentiment_score":0.11310745479650056,"num_words":151,"start":1327.88,"end":1366.985},{"sentences":[{"text":"Is there as an alternative sort of strategy, are you comfortable putting extra money into super?","start":1367.605,"end":1372.9,"sentiment":"neutral","sentiment_score":-0.042697183205746114},{"text":"Do you have much left at the end of the week, or is everything quite tight expenditure wise at the moment?","start":1372.9,"end":1378.12,"sentiment":"neutral","sentiment_score":-0.0673285923188641},{"text":"Yep.","start":1385.4751,"end":1385.9751,"sentiment":"neutral","sentiment_score":0.09333986043930054},{"text":"Oh, nice.","start":1389.795,"end":1390.775,"sentiment":"positive","sentiment_score":0.37869754433631897},{"text":"Wow.","start":1396.0499,"end":1396.5499,"sentiment":"neutral","sentiment_score":0.2872316241264343}],"sentiment":"neutral","sentiment_score":-0.02339240967682222,"num_words":41,"start":1367.605,"end":1396.5499},{"sentences":[{"text":"Yep.","start":1401.1699,"end":1401.57,"sentiment":"neutral","sentiment_score":0.1251586377620697},{"text":"Yep.","start":1401.57,"end":1402.07,"sentiment":"neutral","sentiment_score":0.1529785841703415},{"text":"Yeah.","start":1406.37,"end":1406.87,"sentiment":"neutral","sentiment_score":0.21636873483657837},{"text":"Yeah.","start":1411.985,"end":1412.485,"sentiment":"neutral","sentiment_score":0.2074877172708511},{"text":"Perfect.","start":1412.945,"end":1413.445,"sentiment":"positive","sentiment_score":0.6486407518386841}],"sentiment":"neutral","sentiment_score":0.27012688517570493,"num_words":5,"start":1401.1699,"end":1413.445},{"sentences":[{"text":"That sounds great.","start":1413.825,"end":1415.125,"sentiment":"positive","sentiment_score":0.676115353902181},{"text":"Yep.","start":1418.145,"end":1418.645,"sentiment":"neutral","sentiment_score":0.06919635832309723},{"text":"Yep.","start":1427.12,"end":1427.44,"sentiment":"neutral","sentiment_score":0.10517062246799468},{"text":"Yeah.","start":1427.44,"end":1427.84,"sentiment":"neutral","sentiment_score":0.22710442543029785},{"text":"Perfect.","start":1427.84,"end":1428.34,"sentiment":"neutral","sentiment_score":0.05319366604089737}],"sentiment":"positive","sentiment_score":0.35471587628126144,"num_words":7,"start":1413.825,"end":1428.34},{"sentences":[{"text":"If if that TTR strategy was not really gonna provide the greater benefit and we just wanted to look at maybe some salary sacrifice, would you be comfortable with me putting, say, 50 or $100 in on a fortnightly basis?","start":1430.48,"end":1441.7849,"sentiment":"neutral","sentiment_score":-0.06593022397719324},{"text":"I know it does reduce your take home pay, But would that still allow you to be able to put savings away, or do you think you'd only wanna make those contributions if we could make that extra strategy work for you so you keep your take home pay the same?","start":1441.7849,"end":1455.08,"sentiment":"neutral","sentiment_score":0.05755449805920031},{"text":"What's kind of more preferable for you?","start":1455.08,"end":1457.26,"sentiment":"neutral","sentiment_score":0.02074820743707408},{"text":"Not sure.","start":1465.685,"end":1466.425,"sentiment":"neutral","sentiment_score":-0.14626549184322357},{"text":"Yep.","start":1468.485,"end":1468.985,"sentiment":"neutral","sentiment_score":0.038995616137981415}],"sentiment":"neutral","sentiment_score":0.0018789359053716728,"num_words":101,"start":1430.48,"end":1468.985},{"sentences":[{"text":"Yep.","start":1473.62,"end":1474.12,"sentiment":"neutral","sentiment_score":0.012437479570508003},{"text":"Do you want me to make it something minimal, like $50 a week or $50 a fortnight to start with?","start":1477.38,"end":1482.66,"sentiment":"neutral","sentiment_score":-0.0004543393850326538},{"text":"We can always then boost it up later down the track.","start":1482.66,"end":1485.315,"sentiment":"neutral","sentiment_score":0.2117050283334472},{"text":"And keeping in mind, this is only as an alternative, so I'll always go back and wanna look at that transition strategy first to see if we can really get the ball rolling for you and what we can do there.","start":1485.6349,"end":1496.0549,"sentiment":"neutral","sentiment_score":0.21737653289626285},{"text":"This is more just if that's not gonna provide a greater benefit as an alternative, something that we can look at to help you along with.","start":1496.195,"end":1502.69,"sentiment":"neutral","sentiment_score":0.13042421256865894}],"sentiment":"neutral","sentiment_score":0.1478340745360574,"num_words":99,"start":1473.62,"end":1502.69},{"sentences":[{"text":"I could start with something like $50 per fortnight there for you, and then we could always look at the benefit and kind of build on that down the track.","start":1502.69,"end":1510.1499,"sentiment":"neutral","sentiment_score":0.11694246319433053},{"text":"Yep.","start":1512.705,"end":1513.205,"sentiment":"neutral","sentiment_score":0.17652356624603271},{"text":"Yep.","start":1513.345,"end":1513.745,"sentiment":"neutral","sentiment_score":0.2726280689239502},{"text":"Perfect.","start":1513.745,"end":1514.245,"sentiment":"positive","sentiment_score":0.5539030432701111},{"text":"I will have a look at that for you.","start":1515.1849,"end":1517.0449,"sentiment":"positive","sentiment_score":0.3717053963078393}],"sentiment":"neutral","sentiment_score":0.18706374145334675,"num_words":42,"start":1502.69,"end":1517.0449},{"sentences":[{"text":"How much are you sort of trying to save out of your income on a weekly or fortnightly basis at the moment?","start":1517.345,"end":1522.225,"sentiment":"neutral","sentiment_score":0.10403502817181023},{"text":"How much are you putting away for your holiday?","start":1522.225,"end":1524.245,"sentiment":"neutral","sentiment_score":0.0158686236374908},{"text":"Yeah.","start":1528.7999,"end":1529.2999,"sentiment":"neutral","sentiment_score":0.022881584241986275},{"text":"Yeah.","start":1533.76,"end":1534.26,"sentiment":"neutral","sentiment_score":-0.03201063722372055},{"text":"Yep.","start":1542.895,"end":1543.395,"sentiment":"neutral","sentiment_score":-0.009055592119693756}],"sentiment":"neutral","sentiment_score":0.07098245845340631,"num_words":34,"start":1517.345,"end":1543.395},{"sentences":[{"text":"Yep.","start":1550.1901,"end":1550.6901,"sentiment":"neutral","sentiment_score":0.003830505069345236},{"text":"Okay.","start":1553.79,"end":1554.29,"sentiment":"neutral","sentiment_score":0.19140301644802096},{"text":"Perfect.","start":1556.35,"end":1556.85,"sentiment":"neutral","sentiment_score":0.1213587000966072},{"text":"Yep.","start":1558.27,"end":1558.77,"sentiment":"neutral","sentiment_score":0.17370304465293884},{"text":"Perfect.","start":1559.0701,"end":1559.5701,"sentiment":"positive","sentiment_score":0.6026883125305176}],"sentiment":"neutral","sentiment_score":0.21859671575948597,"num_words":5,"start":1550.1901,"end":1559.5701},{"sentences":[{"text":"Perfect.","start":1563.165,"end":1563.665,"sentiment":"positive","sentiment_score":0.6339932084083557},{"text":"Thank you for that.","start":1564.285,"end":1565.3251,"sentiment":"positive","sentiment_score":0.6100848466157913},{"text":"I'm so sorry.","start":1565.3251,"end":1566.145,"sentiment":"neutral","sentiment_score":-0.04862364505728086},{"text":"Lovely.","start":1566.925,"end":1567.425,"sentiment":"neutral","sentiment_score":0.19068434834480288},{"text":"And work wise, you mentioned you're down to about three days per week at the moment.","start":1567.485,"end":1571.8251,"sentiment":"neutral","sentiment_score":0.0006961361796129495}],"sentiment":"neutral","sentiment_score":0.12521136747673153,"num_words":25,"start":1563.165,"end":1571.8251},{"sentences":[{"text":"Just sort of going through, I don't have down here what you do for work.","start":1572.365,"end":1575.72,"sentiment":"neutral","sentiment_score":-0.0037973237534364066},{"text":"What's your occupation?","start":1575.72,"end":1576.62,"sentiment":"neutral","sentiment_score":0.002226863793718318},{"text":"Oh, beautiful.","start":1579.08,"end":1579.96,"sentiment":"neutral","sentiment_score":0.13379616290330887},{"text":"Are you long distance?","start":1579.96,"end":1581.1799,"sentiment":"neutral","sentiment_score":0.03906389698386192},{"text":"Or yeah.","start":1581.32,"end":1585.82,"sentiment":"neutral","sentiment_score":0.026335755363106728}],"sentiment":"neutral","sentiment_score":0.016393852290303376,"num_words":26,"start":1572.365,"end":1585.82},{"sentences":[{"text":"Yep.","start":1586.28,"end":1586.78,"sentiment":"neutral","sentiment_score":0.012858468107879162},{"text":"Oh, perfect.","start":1589.495,"end":1590.635,"sentiment":"neutral","sentiment_score":0.18304502218961716},{"text":"Lovely.","start":1592.295,"end":1592.795,"sentiment":"positive","sentiment_score":0.3886451721191406},{"text":"Yeah.","start":1596.0549,"end":1596.455,"sentiment":"neutral","sentiment_score":0.07636426389217377},{"text":"Wow.","start":1596.455,"end":1596.955,"sentiment":"neutral","sentiment_score":0.07666994631290436}],"sentiment":"neutral","sentiment_score":0.15343798246855536,"num_words":6,"start":1586.28,"end":1596.955},{"sentences":[{"text":"Yep.","start":1604.31,"end":1604.81,"sentiment":"neutral","sentiment_score":0.015720084309577942},{"text":"Yeah.","start":1606.55,"end":1607.05,"sentiment":"neutral","sentiment_score":0.004249299876391888},{"text":"Perfect.","start":1612.245,"end":1612.745,"sentiment":"neutral","sentiment_score":0.2732751965522766},{"text":"Perfect.","start":1613.045,"end":1613.545,"sentiment":"neutral","sentiment_score":0.2349037081003189},{"text":"And you also mentioned that your your partner you've got your partner there.","start":1614.3251,"end":1617.685,"sentiment":"neutral","sentiment_score":0.06050710150828728}],"sentiment":"neutral","sentiment_score":0.07733768284978236,"num_words":17,"start":1604.31,"end":1617.685},{"sentences":[{"text":"So I've got it down that you are in a de facto relationship.","start":1617.685,"end":1620.105,"sentiment":"neutral","sentiment_score":0.053939189905157454},{"text":"Is that still correct?","start":1620.245,"end":1621.385,"sentiment":"neutral","sentiment_score":0.044241766445338726},{"text":"Yep.","start":1622.965,"end":1623.365,"sentiment":"neutral","sentiment_score":0.043665811419487},{"text":"Perfect.","start":1623.365,"end":1623.845,"sentiment":"neutral","sentiment_score":0.09683486819267272},{"text":"And I'm so sorry.","start":1623.845,"end":1624.725,"sentiment":"neutral","sentiment_score":-0.030817232094705105}],"sentiment":"neutral","sentiment_score":0.038930795033988747,"num_words":23,"start":1617.685,"end":1624.725},{"sentences":[{"text":"I'm probably gonna pronounce this wrong.","start":1624.725,"end":1626.8251,"sentiment":"neutral","sentiment_score":-0.11496573314070702},{"text":"Your partner's name, I'm gonna spell it because I'm probably gonna say it incorrectly.","start":1627.125,"end":1630.9099,"sentiment":"neutral","sentiment_score":-0.0750335670475449},{"text":"It's s e n e m.","start":1630.9099,"end":1632.59,"sentiment":"neutral","sentiment_score":-0.015062542787442604},{"text":"Is that right?","start":1632.59,"end":1633.49,"sentiment":"neutral","sentiment_score":0.008205763064324856},{"text":"Yep.","start":1634.6699,"end":1635.15,"sentiment":"neutral","sentiment_score":0.043676525354385376}],"sentiment":"neutral","sentiment_score":-0.05874485932290554,"num_words":30,"start":1624.725,"end":1635.15},{"sentences":[{"text":"Perfect.","start":1635.15,"end":1635.47,"sentiment":"neutral","sentiment_score":0.10718871653079988},{"text":"How would I pronounce the name correctly?","start":1635.47,"end":1637.07,"sentiment":"neutral","sentiment_score":0.035691809707454274},{"text":"I do apologize.","start":1637.07,"end":1637.89,"sentiment":"neutral","sentiment_score":-0.061908469845851265},{"text":"Sanam.","start":1640.445,"end":1640.945,"sentiment":"neutral","sentiment_score":0.07959073036909103},{"text":"Beautiful.","start":1641.165,"end":1641.665,"sentiment":"positive","sentiment_score":0.3673978447914123}],"sentiment":"neutral","sentiment_score":0.04756111923891764,"num_words":13,"start":1635.15,"end":1641.665},{"sentences":[{"text":"That's a lovely name.","start":1641.8049,"end":1642.6849,"sentiment":"positive","sentiment_score":0.3560318350791931},{"text":"I knew I would probably get that wrong.","start":1642.6849,"end":1644.445,"sentiment":"neutral","sentiment_score":-0.07594472635537386},{"text":"I do apologize.","start":1644.445,"end":1645.265,"sentiment":"neutral","sentiment_score":-0.09143304328123729},{"text":"And I'm my name's Dana.","start":1645.325,"end":1646.6849,"sentiment":"neutral","sentiment_score":-0.055617333948612215},{"text":"So it's spelled d a n a, and everyone gets my name wrong as well.","start":1646.6849,"end":1650.145,"sentiment":"neutral","sentiment_score":-0.08414276018738746}],"sentiment":"neutral","sentiment_score":-0.028513076369251524,"num_words":35,"start":1641.8049,"end":1650.145},{"sentences":[{"text":"So it's understandable.","start":1650.285,"end":1651.265,"sentiment":"neutral","sentiment_score":0.028790626674890518},{"text":"You're well, and you mentioned she's working as well?","start":1653.1,"end":1655.6799,"sentiment":"neutral","sentiment_score":0.05485449193252458},{"text":"Yeah.","start":1657.66,"end":1658.16,"sentiment":"neutral","sentiment_score":0.007398713380098343},{"text":"Is she hoping to sort of retire around the same time as you, or is she planning to work longer?","start":1658.46,"end":1663.58,"sentiment":"neutral","sentiment_score":-0.0026256014592945577},{"text":"Is she younger than you or older?","start":1663.58,"end":1665.36,"sentiment":"neutral","sentiment_score":-0.016643879669053212}],"sentiment":"neutral","sentiment_score":0.010461045848205685,"num_words":40,"start":1650.285,"end":1665.36},{"sentences":[{"text":"Young?","start":1667.655,"end":1668.135,"sentiment":"neutral","sentiment_score":-0.010301120579242706},{"text":"Yep.","start":1668.135,"end":1668.635,"sentiment":"neutral","sentiment_score":0.012691250070929527},{"text":"Okay.","start":1669.575,"end":1670.075,"sentiment":"neutral","sentiment_score":0.08052034676074982},{"text":"Perfect.","start":1671.415,"end":1671.915,"sentiment":"positive","sentiment_score":0.4939343929290771},{"text":"Yep.","start":1677.815,"end":1678.315,"sentiment":"neutral","sentiment_score":0.12061607837677002}],"sentiment":"neutral","sentiment_score":0.13949218951165676,"num_words":5,"start":1667.655,"end":1678.315},{"sentences":[{"text":"Yeah.","start":1680.65,"end":1681.13,"sentiment":"neutral","sentiment_score":0.3141688406467438},{"text":"Perfect.","start":1681.13,"end":1681.53,"sentiment":"positive","sentiment_score":0.5596846342086792},{"text":"Well, you can always sort of work things on more of a worst case scenario saying that she's you know, if she does retire at the same time as you, this might be the the likelihood of things.","start":1681.53,"end":1692.59,"sentiment":"neutral","sentiment_score":0.1299394686755381},{"text":"Do you know what her income is at the moment or what she's earning?","start":1692.995,"end":1696.375,"sentiment":"neutral","sentiment_score":0.03271005116403103},{"text":"900 per week?","start":1701.555,"end":1703.175,"sentiment":"neutral","sentiment_score":0.03007042035460472}],"sentiment":"neutral","sentiment_score":0.1115737765243179,"num_words":57,"start":1680.65,"end":1703.175},{"sentences":[{"text":"Yep.","start":1704.035,"end":1704.535,"sentiment":"neutral","sentiment_score":0.18740515410900116},{"text":"Perfect.","start":1704.5951,"end":1705.0951,"sentiment":"positive","sentiment_score":0.6778361797332764},{"text":"Lovely.","start":1705.5599,"end":1705.7999,"sentiment":"positive","sentiment_score":0.6528815627098083},{"text":"And do you have any sort of idea what her approximate super balance might be just for the the overall retirement side of things?","start":1705.7999,"end":1712.2999,"sentiment":"neutral","sentiment_score":0.1360195636128386},{"text":"If you don't, that's okay.","start":1715.08,"end":1716.46,"sentiment":"neutral","sentiment_score":0.027351706475019454}],"sentiment":"neutral","sentiment_score":0.1537297173636034,"num_words":32,"start":1704.035,"end":1716.46},{"sentences":[{"text":"No.","start":1718.6749,"end":1719.1749,"sentiment":"neutral","sentiment_score":-0.0510549321770668},{"text":"No.","start":1719.395,"end":1719.715,"sentiment":"neutral","sentiment_score":-0.038560204207897186},{"text":"That's okay.","start":1719.715,"end":1720.515,"sentiment":"neutral","sentiment_score":0.026750116609036922},{"text":"That's not a problem at all.","start":1720.515,"end":1722.215,"sentiment":"neutral","sentiment_score":0.10683464010556538},{"text":"Does she have super?","start":1723.5549,"end":1724.6749,"sentiment":"neutral","sentiment_score":0.0248305331915617}],"sentiment":"neutral","sentiment_score":0.05030107644519636,"num_words":14,"start":1718.6749,"end":1724.6749},{"sentences":[{"text":"Does she have a little bit of super?","start":1724.6749,"end":1726.375,"sentiment":"neutral","sentiment_score":0.01827389420941472},{"text":"Yep.","start":1731.33,"end":1731.83,"sentiment":"neutral","sentiment_score":-0.015295813791453838},{"text":"Okay.","start":1734.9299,"end":1735.4299,"sentiment":"neutral","sentiment_score":0.001514337956905365},{"text":"Yep.","start":1738.53,"end":1738.77,"sentiment":"neutral","sentiment_score":0.0206439308822155},{"text":"That's okay.","start":1738.77,"end":1739.33,"sentiment":"neutral","sentiment_score":0.020670313388109207}],"sentiment":"neutral","sentiment_score":0.01495340273070794,"num_words":13,"start":1724.6749,"end":1739.33},{"sentences":[{"text":"Do you think it's more on the north side or south side of maybe a 100,000?","start":1739.33,"end":1743.03,"sentiment":"neutral","sentiment_score":-0.013431882369332016},{"text":"That's okay.","start":1755.5449,"end":1756.365,"sentiment":"neutral","sentiment_score":-0.09079267829656601},{"text":"Yep.","start":1760.58,"end":1760.9,"sentiment":"neutral","sentiment_score":0.028631627559661865},{"text":"Yep.","start":1760.9,"end":1761.22,"sentiment":"neutral","sentiment_score":0.04852161929011345},{"text":"That's okay.","start":1761.22,"end":1762.02,"sentiment":"neutral","sentiment_score":0.1013244166970253}],"sentiment":"neutral","sentiment_score":-0.005304245193573561,"num_words":22,"start":1739.33,"end":1762.02},{"sentences":[{"text":"Not a problem.","start":1762.02,"end":1762.74,"sentiment":"neutral","sentiment_score":0.11145733048518498},{"text":"So I'll just put down here approximate between, say, maybe 50 to a 100,000 just so we can sort of really get into the retirement side of things and sort of show you what we're hoping or expecting based on the projected outcome.","start":1762.74,"end":1774.5349,"sentiment":"neutral","sentiment_score":0.05412805795149748},{"text":"And often because you are a couple, your partner's sort of circumstances can be a big part of that.","start":1774.5349,"end":1780.2949,"sentiment":"neutral","sentiment_score":0.01718578034227616},{"text":"And later on down the track, if you wanted me to, we could always have a chat to her as well, maybe incorporate and do some joint advice to sorta help you guys along.","start":1780.2949,"end":1788.23,"sentiment":"neutral","sentiment_score":0.09203580131425577},{"text":"So but for the moment, we'll just work on this.","start":1788.23,"end":1791.4299,"sentiment":"neutral","sentiment_score":0.05363132320344448}],"sentiment":"neutral","sentiment_score":0.06104530996873701,"num_words":109,"start":1762.02,"end":1791.4299},{"sentences":[{"text":"Yeah.","start":1791.4299,"end":1791.83,"sentiment":"neutral","sentiment_score":0.20111526548862457},{"text":"Absolutely.","start":1791.83,"end":1792.33,"sentiment":"positive","sentiment_score":0.35669970512390137},{"text":"Perfect.","start":1792.71,"end":1793.21,"sentiment":"neutral","sentiment_score":0.31899112462997437},{"text":"And you guys, do you have any kids living at home?","start":1793.99,"end":1796.39,"sentiment":"neutral","sentiment_score":-0.0004728558176959103},{"text":"I don't I've got down here, there's no financial dependents living at home.","start":1796.39,"end":1801.8049,"sentiment":"neutral","sentiment_score":-0.068552049020162}],"sentiment":"neutral","sentiment_score":-0.0007248872597874315,"num_words":27,"start":1791.4299,"end":1801.8049},{"sentences":[{"text":"No?","start":1801.8049,"end":1802.3049,"sentiment":"neutral","sentiment_score":-0.05980345606803894},{"text":"Perfect.","start":1802.9249,"end":1803.4249,"sentiment":"positive","sentiment_score":0.4457883834838867},{"text":"Lovely.","start":1803.645,"end":1804.145,"sentiment":"positive","sentiment_score":0.5645723342895508},{"text":"Excellent.","start":1805.405,"end":1805.905,"sentiment":"positive","sentiment_score":0.5786025524139404},{"text":"And I've got so three days a week.","start":1807.485,"end":1810.125,"sentiment":"neutral","sentiment_score":0.3225127700716257}],"sentiment":"positive","sentiment_score":0.3424384978910287,"num_words":12,"start":1801.8049,"end":1810.125},{"sentences":[{"text":"I've got your income.","start":1810.125,"end":1811.005,"sentiment":"positive","sentiment_score":0.3916809558868408},{"text":"Everything's perfect there.","start":1811.005,"end":1812.54,"sentiment":"positive","sentiment_score":0.5879260102907816},{"text":"Next thing to sort of consider is how just having a look at your regular so your assets and how they may have changed from we when we spoke last year.","start":1812.9401,"end":1821.98,"sentiment":"neutral","sentiment_score":0.009431663480016493},{"text":"So I have done here you've got a ute.","start":1821.98,"end":1823.98,"sentiment":"neutral","sentiment_score":0.006186100292123026},{"text":"We had an asset value there of about 10,000.","start":1823.98,"end":1827.12,"sentiment":"neutral","sentiment_score":0.00045964701308144466}],"sentiment":"neutral","sentiment_score":0.0657624133579832,"num_words":56,"start":1810.125,"end":1827.12},{"sentences":[{"text":"If you had to sell your ute, what sort of value do you think you might be able to get for that?","start":1827.7849,"end":1832.445,"sentiment":"neutral","sentiment_score":-0.013783793832937425},{"text":"Okay.","start":1837.465,"end":1837.965,"sentiment":"neutral","sentiment_score":-0.02137867547571659},{"text":"Yep.","start":1838.105,"end":1838.605,"sentiment":"neutral","sentiment_score":-0.007778089493513107},{"text":"Okay.","start":1844.12,"end":1844.62,"sentiment":"neutral","sentiment_score":-0.004024202935397625},{"text":"'15.","start":1845.72,"end":1846.22,"sentiment":"neutral","sentiment_score":0.004154843278229237}],"sentiment":"neutral","sentiment_score":-0.012779599575039286,"num_words":26,"start":1827.7849,"end":1846.22},{"sentences":[{"text":"Beautiful.","start":1846.36,"end":1846.76,"sentiment":"neutral","sentiment_score":0.09040705859661102},{"text":"What kind of year is it?","start":1846.76,"end":1848.0599,"sentiment":"neutral","sentiment_score":0.020490532275289297},{"text":"Okay.","start":1851.16,"end":1851.64,"sentiment":"neutral","sentiment_score":0.06892561167478561},{"text":"Perfect.","start":1851.64,"end":1852.14,"sentiment":"neutral","sentiment_score":0.15393641591072085},{"text":"Beautiful.","start":1854.7749,"end":1855.255,"sentiment":"neutral","sentiment_score":0.2053147852420807}],"sentiment":"neutral","sentiment_score":0.06415270650759339,"num_words":10,"start":1846.36,"end":1855.255},{"sentences":[{"text":"'16.","start":1855.255,"end":1855.755,"sentiment":"neutral","sentiment_score":0.04835435375571251},{"text":"Excellent.","start":1856.215,"end":1856.715,"sentiment":"neutral","sentiment_score":0.26957643032073975},{"text":"Thank you for that.","start":1856.855,"end":1857.995,"sentiment":"positive","sentiment_score":0.3761015310883522},{"text":"And I also had it noted here you had a boat with an asset value of about 30,000.","start":1858.855,"end":1863.4149,"sentiment":"neutral","sentiment_score":0.015036308724019263},{"text":"Do you still have your boat there?","start":1863.4149,"end":1865.195,"sentiment":"neutral","sentiment_score":0.005982191834066596}],"sentiment":"neutral","sentiment_score":0.0688666389774411,"num_words":31,"start":1855.255,"end":1865.195},{"sentences":[{"text":"Yep.","start":1866.7,"end":1867.1799,"sentiment":"neutral","sentiment_score":0.04582908749580383},{"text":"Beautiful.","start":1867.1799,"end":1867.58,"sentiment":"neutral","sentiment_score":0.11520901322364809},{"text":"Do you get out very often in it?","start":1867.58,"end":1869.52,"sentiment":"neutral","sentiment_score":0.019532632431946695},{"text":"Absolutely.","start":1877.915,"end":1878.415,"sentiment":"neutral","sentiment_score":0.01993447169661522},{"text":"Do you still think the Evoque and Moda sort of all combined might be still around that $30,000 mark, or might you alter that asset value at all?","start":1879.275,"end":1888.415,"sentiment":"neutral","sentiment_score":-0.01625539009858455}],"sentiment":"neutral","sentiment_score":-0.003023520279198121,"num_words":39,"start":1866.7,"end":1888.415},{"sentences":[{"text":"The same?","start":1893.69,"end":1894.17,"sentiment":"neutral","sentiment_score":0.00392138073220849},{"text":"Yep.","start":1894.17,"end":1894.57,"sentiment":"neutral","sentiment_score":0.046947818249464035},{"text":"Perfect.","start":1894.57,"end":1895.07,"sentiment":"neutral","sentiment_score":0.15165653824806213},{"text":"Excellent.","start":1895.21,"end":1895.71,"sentiment":"neutral","sentiment_score":0.14315539598464966},{"text":"I also had down here another car that you guys own.","start":1896.17,"end":1899.37,"sentiment":"neutral","sentiment_score":0.006015598773956299}],"sentiment":"neutral","sentiment_score":0.025985881278757006,"num_words":16,"start":1893.69,"end":1899.37},{"sentences":[{"text":"I'm sorry.","start":1899.37,"end":1899.77,"sentiment":"neutral","sentiment_score":-0.04047616384923458},{"text":"It doesn't tell me what kind of car it is, but the asset value is about 15,000.","start":1899.77,"end":1904.11,"sentiment":"neutral","sentiment_score":-0.028793542810222682},{"text":"Thinking about any other vehicles that you might have, would that be correct, or would you alter that value a little bit?","start":1904.585,"end":1910.125,"sentiment":"neutral","sentiment_score":-0.018137158064002342},{"text":"Yep.","start":1913.945,"end":1914.445,"sentiment":"neutral","sentiment_score":-0.016567181795835495},{"text":"Yep.","start":1919.56,"end":1920.06,"sentiment":"neutral","sentiment_score":-0.028848743066191673}],"sentiment":"neutral","sentiment_score":-0.023601766459124034,"num_words":43,"start":1899.37,"end":1920.06},{"sentences":[{"text":"Okay.","start":1922.28,"end":1922.78,"sentiment":"neutral","sentiment_score":-0.006892470642924309},{"text":"Yeah.","start":1924.92,"end":1925.42,"sentiment":"neutral","sentiment_score":0.14913053810596466},{"text":"You could do if you wanted to access it, but we could utilize that transition retirement strategy this financial year to access a little bit of the money to cover the debt if you wanted to do it that way.","start":1931.655,"end":1943.015,"sentiment":"neutral","sentiment_score":0.2617714758962393},{"text":"And then we may be, in the next financial year, start it to maybe factor in the changes to contributions and look at that as a growth strategy.","start":1943.015,"end":1950.77,"sentiment":"neutral","sentiment_score":0.309727033334119},{"text":"I can absolutely do that for you.","start":1951.15,"end":1953.25,"sentiment":"positive","sentiment_score":0.7510938048362732}],"sentiment":"neutral","sentiment_score":0.31874169701976435,"num_words":77,"start":1922.28,"end":1953.25},{"sentences":[{"text":"Obviously, taking money out of super now without replenishing it back, it does sort of mean that you are gonna have less in super, but I can do the research around to sort of see if it's gonna provide greater growth if we start that around July.","start":1954.59,"end":1968.605,"sentiment":"neutral","sentiment_score":0.17531019496790906},{"text":"Would that be okay?","start":1968.605,"end":1969.485,"sentiment":"neutral","sentiment_score":0.20339596271514893},{"text":"Would you like me to look at that?","start":1969.485,"end":1971.03,"sentiment":"neutral","sentiment_score":0.07072556763887405},{"text":"Yeah.","start":1975.8301,"end":1976.3301,"sentiment":"neutral","sentiment_score":0.012637373059988022},{"text":"Yeah.","start":1976.63,"end":1977.11,"sentiment":"neutral","sentiment_score":0.017029300332069397}],"sentiment":"neutral","sentiment_score":0.15817433162057987,"num_words":61,"start":1954.59,"end":1977.11},{"sentences":[{"text":"How much do you yep.","start":1977.11,"end":1979.53,"sentiment":"neutral","sentiment_score":0.00462795696221292},{"text":"How much do you have owing on that car at the moment?","start":1979.67,"end":1982.0901,"sentiment":"neutral","sentiment_score":-0.024033451763292153},{"text":"45,000 roughly.","start":1993.4451,"end":1994.9651,"sentiment":"neutral","sentiment_score":-0.0034321341663599014},{"text":"Yep.","start":1994.9651,"end":1995.125,"sentiment":"neutral","sentiment_score":0.033235110342502594},{"text":"That's okay.","start":1995.125,"end":1995.9451,"sentiment":"neutral","sentiment_score":0.08037090301513672}],"sentiment":"neutral","sentiment_score":-0.003552226741290228,"num_words":22,"start":1977.11,"end":1995.9451},{"sentences":[{"text":"So and what kind of car is it?","start":1996.485,"end":1998.3451,"sentiment":"neutral","sentiment_score":0.012618910521268845},{"text":"M u x.","start":2001.57,"end":2002.2899,"sentiment":"neutral","sentiment_score":0.04315731550256411},{"text":"Beautiful.","start":2002.2899,"end":2002.7899,"sentiment":"positive","sentiment_score":0.52367103099823},{"text":"They are really popular at the moment.","start":2002.85,"end":2004.69,"sentiment":"positive","sentiment_score":0.45703971811703276},{"text":"I've spoken to lots of people who have recently purchased those.","start":2004.69,"end":2007.9099,"sentiment":"neutral","sentiment_score":0.14683257178826767}],"sentiment":"neutral","sentiment_score":0.18561768593887487,"num_words":30,"start":1996.485,"end":2007.9099},{"sentences":[{"text":"So yeah.","start":2009.09,"end":2010.95,"sentiment":"neutral","sentiment_score":0.09971244260668755},{"text":"Yeah.","start":2021.515,"end":2021.915,"sentiment":"neutral","sentiment_score":0.17234906554222107},{"text":"Yeah.","start":2021.915,"end":2022.415,"sentiment":"neutral","sentiment_score":0.1918073892593384},{"text":"Yep.","start":2036.505,"end":2037.005,"sentiment":"neutral","sentiment_score":0.12733455002307892},{"text":"Absolutely.","start":2037.865,"end":2038.365,"sentiment":"neutral","sentiment_score":0.30647575855255127}],"sentiment":"neutral","sentiment_score":0.1662319414317608,"num_words":6,"start":2009.09,"end":2038.365},{"sentences":[{"text":"Now under that transition retirement strategy that we sort of talked about there, if you were to sort of look at that strategy now to be able to take some funds out of super, essentially, we can access a maximum.","start":2039.145,"end":2053.0,"sentiment":"neutral","sentiment_score":0.12480355873703956},{"text":"There are maximums and minimums that we can access under this strategy on how much you can withdraw out.","start":2053.0,"end":2058.22,"sentiment":"neutral","sentiment_score":0.07389896949538716},{"text":"Essentially, we would be able to access up to 10 of the balance that we transfer into the account based pension side of things.","start":2058.68,"end":2064.52,"sentiment":"neutral","sentiment_score":0.1604993975100418},{"text":"So based on your current balance, we would have to leave generally a minimum of 10,000 behind in the accumulation side of things.","start":2064.52,"end":2071.585,"sentiment":"neutral","sentiment_score":0.01979764631908873},{"text":"So that would, based on the current balance I have at the moment, give us an estimated transfer balance of about a 170,000 there.","start":2072.2048,"end":2080.23,"sentiment":"neutral","sentiment_score":0.1469495501369238}],"sentiment":"neutral","sentiment_score":0.10946417983661656,"num_words":130,"start":2039.145,"end":2080.23},{"sentences":[{"text":"If we then look at that sorry.","start":2080.61,"end":2085.27,"sentiment":"neutral","sentiment_score":0.024121568139110292},{"text":"Here we go.","start":2086.1301,"end":2087.09,"sentiment":"neutral","sentiment_score":0.019270711267987888},{"text":"So then look at that.","start":2087.09,"end":2088.05,"sentiment":"neutral","sentiment_score":0.055459675192832944},{"text":"So it's about a $170,772.13 there, which would, at the full 10%, if you wanted to do that for this financial year, would give you access to approximately, based on the balance at the moment, of about $17,077.","start":2088.05,"end":2105.625,"sentiment":"neutral","sentiment_score":0.14099020197203285},{"text":"So just slightly.","start":2105.625,"end":2106.605,"sentiment":"neutral","sentiment_score":0.07703288147846858}],"sentiment":"neutral","sentiment_score":0.1087979965377599,"num_words":56,"start":2080.61,"end":2106.605},{"sentences":[{"text":"It's not quite enough to pay the car off wholly, but it would give you access to the some of those funds.","start":2106.83,"end":2112.37,"sentiment":"neutral","sentiment_score":-0.01723842763087966},{"text":"It does reduce the balance now.","start":2112.51,"end":2114.19,"sentiment":"neutral","sentiment_score":0.016676974793275196},{"text":"But if you wanted to do it that way, I could look at the strategy to incorporate that now.","start":2114.19,"end":2118.53,"sentiment":"neutral","sentiment_score":0.21116028412392265},{"text":"Then we next financial year, maybe start in July, look at doing that transfer time strategy correctly.","start":2118.75,"end":2125.5352,"sentiment":"neutral","sentiment_score":0.2210778427474639},{"text":"So we are drawing money out to replenish your income, but then we start to increase the contributions back to keep your take home pay relatively the same.","start":2125.5352,"end":2134.1,"sentiment":"neutral","sentiment_score":0.2698005698621273}],"sentiment":"neutral","sentiment_score":0.16353914263131825,"num_words":92,"start":2106.83,"end":2134.1},{"sentences":[{"text":"Is that sort of what you're after?","start":2134.1,"end":2135.54,"sentiment":"neutral","sentiment_score":0.15947259111063822},{"text":"Is that does that sound like it's what you would like me to look at?","start":2135.54,"end":2138.6,"sentiment":"neutral","sentiment_score":0.11881564011176428},{"text":"Yep.","start":2141.3,"end":2141.8,"sentiment":"positive","sentiment_score":0.3908350467681885},{"text":"Yep.","start":2151.155,"end":2151.655,"sentiment":"neutral","sentiment_score":0.26937615871429443},{"text":"Yeah.","start":2160.9302,"end":2161.1702,"sentiment":"neutral","sentiment_score":0.2572624683380127}],"sentiment":"neutral","sentiment_score":0.1526406565308571,"num_words":25,"start":2134.1,"end":2161.1702},{"sentences":[{"text":"Look.","start":2161.1702,"end":2161.49,"sentiment":"neutral","sentiment_score":0.31940239667892456},{"text":"It it's it's honestly not a problem to do.","start":2161.49,"end":2164.87,"sentiment":"neutral","sentiment_score":0.23848880661858451},{"text":"One of the main sort of disadvantages to doing it that way is that, obviously, with the money we are taking out now, if you do leave that money inside Super and just increase your contributions in and we do this strategy the way it's sort of intended to, you're gonna be in a greater position.","start":2165.33,"end":2182.615,"sentiment":"neutral","sentiment_score":-0.07940939860418439},{"text":"However, if you take that money at now, even if we are putting contributions back in, you never actually get yourself back to the position that you would have been in had you not withdrawn.","start":2182.7551,"end":2191.39,"sentiment":"neutral","sentiment_score":-0.041391420736908914},{"text":"But at the same time, taking that money out of the super side of things, it is a tax free withdrawal.","start":2191.77,"end":2197.05,"sentiment":"neutral","sentiment_score":0.0748374146364984}],"sentiment":"neutral","sentiment_score":-0.01523146462306136,"num_words":122,"start":2161.1702,"end":2197.05},{"sentences":[{"text":"You are over 60.","start":2197.05,"end":2198.27,"sentiment":"neutral","sentiment_score":0.14053922146558762},{"text":"It has does help you to reduce the loan amount, and, realistically, you are paying interest on that loan because it is a car loan or a personal loan there.","start":2198.97,"end":2207.2952,"sentiment":"neutral","sentiment_score":0.1093096607675155},{"text":"So the interest could certainly outweigh the the return that you might have got on that money.","start":2207.2952,"end":2212.0352,"sentiment":"neutral","sentiment_score":0.09270498397595742},{"text":"Paying down the loan tends to give you a more of a guaranteed rate of return.","start":2212.495,"end":2216.77,"sentiment":"neutral","sentiment_score":0.1775877084583044},{"text":"You are reducing the debt and the amount of interest you pay to the bank for that, which could, in the long term, put you in a better position because you may you know, not having that loan means it's one less thing to factor into expenses into retirement income.","start":2216.77,"end":2229.9902,"sentiment":"neutral","sentiment_score":0.16721364691853524}],"sentiment":"neutral","sentiment_score":0.14204715485246772,"num_words":117,"start":2197.05,"end":2229.9902},{"sentences":[{"text":"So it's more just about making sure that you're comfortable with that.","start":2230.05,"end":2234.025,"sentiment":"neutral","sentiment_score":0.07752749882638454},{"text":"You are taking money out of the super system to pay it back.","start":2234.025,"end":2237.385,"sentiment":"neutral","sentiment_score":0.0706421913435826},{"text":"It does mean longevity wise, there could be an effect on your super, but it's not the be all and end all.","start":2237.385,"end":2242.825,"sentiment":"neutral","sentiment_score":0.04571402619000186},{"text":"It's it's about making sure you're comfortable with that.","start":2242.825,"end":2245.145,"sentiment":"neutral","sentiment_score":0.056797372384203806},{"text":"And I can show you if you want me to.","start":2245.145,"end":2247.02,"sentiment":"neutral","sentiment_score":0.08904200866818428}],"sentiment":"neutral","sentiment_score":0.06448459829852889,"num_words":66,"start":2230.05,"end":2247.02},{"sentences":[{"text":"I'll do the research around it.","start":2247.02,"end":2248.96,"sentiment":"neutral","sentiment_score":0.06411138859887917},{"text":"I can show you what that looks like, how it affects you, the long term side of things, and factor in the retirement side for you for age 67 to sort of show you what we expect based on these recommendations.","start":2249.02,"end":2260.195,"sentiment":"neutral","sentiment_score":0.06465502428572352},{"text":"Any advice we provide for you, Darren, is always up to you to decide whether you're happy to take you get to decide whether you take all the recommendations, some of them or none of them, and we'll show you the advantages, the disadvantages, and the risks involved.","start":2261.215,"end":2274.29,"sentiment":"neutral","sentiment_score":0.04633876604687733},{"text":"Does that sound alright?","start":2274.29,"end":2275.51,"sentiment":"neutral","sentiment_score":0.04207779560238123},{"text":"Yeah.","start":2277.09,"end":2277.57,"sentiment":"neutral","sentiment_score":0.08070740103721619}],"sentiment":"neutral","sentiment_score":0.055088036810047925,"num_words":100,"start":2247.02,"end":2277.57},{"sentences":[{"text":"Yep.","start":2277.57,"end":2277.89,"sentiment":"neutral","sentiment_score":0.1621175855398178},{"text":"Perfect.","start":2277.89,"end":2278.39,"sentiment":"positive","sentiment_score":0.4734030067920685},{"text":"Well, I can have a really good look at all of that for you.","start":2279.33,"end":2281.73,"sentiment":"positive","sentiment_score":0.42886517303330557},{"text":"It's not a problem.","start":2281.73,"end":2282.71,"sentiment":"neutral","sentiment_score":0.3136123865842819},{"text":"Okay?","start":2282.85,"end":2283.33,"sentiment":"neutral","sentiment_score":0.24135622382164}],"sentiment":"positive","sentiment_score":0.38740184690271107,"num_words":21,"start":2277.57,"end":2283.33},{"sentences":[{"text":"Beautiful.","start":2283.33,"end":2283.83,"sentiment":"positive","sentiment_score":0.5203801989555359},{"text":"Excellent.","start":2285.17,"end":2285.67,"sentiment":"positive","sentiment_score":0.6590210199356079},{"text":"Perfect.","start":2287.09,"end":2287.59,"sentiment":"positive","sentiment_score":0.645136833190918},{"text":"It does.","start":2288.465,"end":2289.0251,"sentiment":"positive","sentiment_score":0.4458681643009186},{"text":"It does.","start":2289.0251,"end":2289.685,"sentiment":"positive","sentiment_score":0.4025811702013016}],"sentiment":"positive","sentiment_score":0.5030623887266431,"num_words":7,"start":2283.33,"end":2289.685},{"sentences":[{"text":"Easy.","start":2289.825,"end":2290.325,"sentiment":"neutral","sentiment_score":0.3287861943244934},{"text":"Now the next asset I have on here is your contents.","start":2291.665,"end":2295.925,"sentiment":"neutral","sentiment_score":0.11868590251965956},{"text":"We have that valued at about 8,000.","start":2296.065,"end":2298.305,"sentiment":"neutral","sentiment_score":0.06838792243174144},{"text":"Do you feel like that's fairly comfortable?","start":2298.305,"end":2299.985,"sentiment":"neutral","sentiment_score":0.08661490572350365},{"text":"You leave that at the same amount?","start":2299.985,"end":2301.605,"sentiment":"neutral","sentiment_score":0.03127627234373774}],"sentiment":"neutral","sentiment_score":0.08903893410707965,"num_words":33,"start":2289.825,"end":2301.605},{"sentences":[{"text":"Yep.","start":2303.12,"end":2303.62,"sentiment":"neutral","sentiment_score":0.1505332589149475},{"text":"Beautiful.","start":2303.6802,"end":2304.1802,"sentiment":"positive","sentiment_score":0.7854703068733215},{"text":"Excellent.","start":2305.04,"end":2305.54,"sentiment":"positive","sentiment_score":0.773591160774231},{"text":"And is there anything else that we may have missed?","start":2305.76,"end":2307.9202,"sentiment":"neutral","sentiment_score":0.2473481170833111},{"text":"Any other assets or liabilities that you wanna add on here?","start":2307.9202,"end":2311.3801,"sentiment":"neutral","sentiment_score":0.0917552953416651}],"sentiment":"neutral","sentiment_score":0.2163493394230803,"num_words":24,"start":2303.12,"end":2311.3801},{"sentences":[{"text":"Yep.","start":2315.775,"end":2316.175,"sentiment":"neutral","sentiment_score":0.18216310441493988},{"text":"Perfect.","start":2316.175,"end":2316.675,"sentiment":"positive","sentiment_score":0.5268805623054504},{"text":"Lovely.","start":2317.615,"end":2318.115,"sentiment":"positive","sentiment_score":0.461952805519104},{"text":"Health wise, you did mention that you've dropped hours due to your sort of health.","start":2319.135,"end":2322.655,"sentiment":"neutral","sentiment_score":0.01641425796939681},{"text":"How what's sort of been happening over the last twelve months health wise?","start":2322.655,"end":2325.615,"sentiment":"neutral","sentiment_score":-0.01956119345357785}],"sentiment":"neutral","sentiment_score":0.03751338151238498,"num_words":31,"start":2315.775,"end":2325.615},{"sentences":[{"text":"Has everything sort of changed?","start":2325.615,"end":2327.155,"sentiment":"neutral","sentiment_score":-0.038411841914057734},{"text":"Or mhmm.","start":2327.215,"end":2334.0698,"sentiment":"neutral","sentiment_score":0.0014156624674797058},{"text":"Yep.","start":2334.0698,"end":2334.5698,"sentiment":"neutral","sentiment_score":0.09240322560071944},{"text":"Yeah.","start":2347.845,"end":2348.165,"sentiment":"neutral","sentiment_score":0.18010497093200684},{"text":"Yeah.","start":2348.165,"end":2348.665,"sentiment":"neutral","sentiment_score":0.29234635829925537}],"sentiment":"neutral","sentiment_score":0.03756266701966524,"num_words":10,"start":2325.615,"end":2348.665},{"sentences":[{"text":"Perfect.","start":2348.965,"end":2349.465,"sentiment":"positive","sentiment_score":0.568839430809021},{"text":"And have this lovely holiday that you're saving up for.","start":2350.405,"end":2353.305,"sentiment":"positive","sentiment_score":0.6631066262722015},{"text":"Yeah.","start":2361.23,"end":2361.73,"sentiment":"positive","sentiment_score":0.33440184593200684},{"text":"Beautiful.","start":2361.8699,"end":2362.3699,"sentiment":"positive","sentiment_score":0.5672463178634644},{"text":"And I've also got down here that other goals moving forward.","start":2363.31,"end":2365.95,"sentiment":"neutral","sentiment_score":0.2924092317169363}],"sentiment":"positive","sentiment_score":0.4715856419255336,"num_words":24,"start":2348.965,"end":2365.95},{"sentences":[{"text":"You also wanna pay down the car loan as much as possible.","start":2365.95,"end":2368.8499,"sentiment":"neutral","sentiment_score":0.19892298554380736},{"text":"Is there anything else, you know, over the next sort of two to three to five or ten years that you might be wanting to achieve?","start":2369.375,"end":2375.155,"sentiment":"neutral","sentiment_score":0.09941748013863197},{"text":"Or Yep.","start":2375.295,"end":2397.2449,"sentiment":"neutral","sentiment_score":0.030081032775342464},{"text":"Yep.","start":2397.2449,"end":2397.7449,"sentiment":"neutral","sentiment_score":0.01911180280148983},{"text":"Yeah.","start":2407.1,"end":2407.6,"sentiment":"neutral","sentiment_score":0.024737803265452385}],"sentiment":"neutral","sentiment_score":0.12085576147018444,"num_words":42,"start":2365.95,"end":2407.6},{"sentences":[{"text":"Yep.","start":2407.82,"end":2408.32,"sentiment":"neutral","sentiment_score":0.02416340820491314},{"text":"Absolutely.","start":2414.2202,"end":2414.7202,"sentiment":"neutral","sentiment_score":0.02995147556066513},{"text":"Yep.","start":2416.3801,"end":2416.8801,"sentiment":"neutral","sentiment_score":0.026707801967859268},{"text":"Yep.","start":2418.795,"end":2419.195,"sentiment":"neutral","sentiment_score":0.040626779198646545},{"text":"Absolutely.","start":2419.195,"end":2419.695,"sentiment":"neutral","sentiment_score":0.06858821213245392}],"sentiment":"neutral","sentiment_score":0.0380075354129076,"num_words":5,"start":2407.82,"end":2419.695},{"sentences":[{"text":"Not a problem.","start":2420.075,"end":2420.895,"sentiment":"neutral","sentiment_score":0.06517552087704341},{"text":"Yeah.","start":2421.035,"end":2421.535,"sentiment":"neutral","sentiment_score":0.02941681630909443},{"text":"Yep.","start":2424.155,"end":2424.635,"sentiment":"neutral","sentiment_score":0.032183632254600525},{"text":"No.","start":2424.635,"end":2424.955,"sentiment":"neutral","sentiment_score":0.03702026978135109},{"text":"Absolutely.","start":2424.955,"end":2425.455,"sentiment":"neutral","sentiment_score":0.10732968896627426}],"sentiment":"neutral","sentiment_score":0.057353852848921506,"num_words":7,"start":2420.075,"end":2425.455},{"sentences":[{"text":"Not an issue at all.","start":2425.755,"end":2427.295,"sentiment":"neutral","sentiment_score":0.0854981854557991},{"text":"Now the other thing I just wanted to sort of evaluate with you is just sort of double checking that you are invested correct in the right risk profile.","start":2427.675,"end":2433.86,"sentiment":"neutral","sentiment_score":0.07188696118778196},{"text":"Because other things that we can look at are if you wanted to try and get a bit more growth out of your super, we could look at taking on a bit more risk in the market.","start":2433.86,"end":2441.0,"sentiment":"neutral","sentiment_score":0.04220652962858613},{"text":"It also comes down to your comfort level as well, but taking a bit more risk in the market can open you up to greater potential returns.","start":2441.54,"end":2449.475,"sentiment":"neutral","sentiment_score":0.18432856378731904},{"text":"It's just a bit of a juggling act, and I wouldn't want you to take on too much risk than you're comfortable with because then it does mean that you risk at the time you're wanting to stop working and hopefully retire, there could be a downturn in the market.","start":2449.775,"end":2460.98,"sentiment":"neutral","sentiment_score":-0.2092927973717451}],"sentiment":"neutral","sentiment_score":-0.009553474650995151,"num_words":148,"start":2425.755,"end":2460.98},{"sentences":[{"text":"And if you chose to continue to retire, you might be cementing losses that may have occurred.","start":2460.98,"end":2467.08,"sentiment":"neutral","sentiment_score":-0.2521843813798007},{"text":"So just to sort of go through just a couple of questions there to assess your risk profile, The first one is, have you ever owned direct shares?","start":2467.14,"end":2475.0151,"sentiment":"neutral","sentiment_score":-0.00047291218236620924},{"text":"Have you ever invested in your own name before outside of Superm?","start":2475.0151,"end":2478.555,"sentiment":"neutral","sentiment_score":-0.008169639312351743},{"text":"Nope.","start":2482.055,"end":2482.455,"sentiment":"neutral","sentiment_score":-0.06505116820335388},{"text":"Never owned shares.","start":2482.455,"end":2483.575,"sentiment":"neutral","sentiment_score":-0.04851682980855306}],"sentiment":"neutral","sentiment_score":-0.07555759596623114,"num_words":61,"start":2460.98,"end":2483.575},{"sentences":[{"text":"No?","start":2483.575,"end":2484.075,"sentiment":"neutral","sentiment_score":-0.06602104008197784},{"text":"Yep.","start":2486.57,"end":2487.07,"sentiment":"neutral","sentiment_score":-0.10639213025569916},{"text":"That's okay.","start":2488.09,"end":2488.83,"sentiment":"neutral","sentiment_score":-0.055280815809965134},{"text":"Yep.","start":2489.9302,"end":2490.4302,"sentiment":"neutral","sentiment_score":-0.041641876101493835},{"text":"That's absolutely okay.","start":2491.4502,"end":2493.1501,"sentiment":"neutral","sentiment_score":0.02513965032994747}],"sentiment":"neutral","sentiment_score":-0.031149715883657336,"num_words":8,"start":2483.575,"end":2493.1501},{"sentences":[{"text":"Not an ish.","start":2494.33,"end":2495.31,"sentiment":"neutral","sentiment_score":-0.10723081727822621},{"text":"Yep.","start":2498.025,"end":2498.525,"sentiment":"neutral","sentiment_score":0.006262421142309904},{"text":"No.","start":2498.665,"end":2499.165,"sentiment":"neutral","sentiment_score":-0.005080588161945343},{"text":"Absolutely.","start":2499.465,"end":2499.965,"sentiment":"neutral","sentiment_score":0.05139511823654175},{"text":"The next question here is asking, I sent it to more about inflation.","start":2500.905,"end":2503.865,"sentiment":"neutral","sentiment_score":0.01944861775980546}],"sentiment":"neutral","sentiment_score":-0.0008570247231737563,"num_words":19,"start":2494.33,"end":2503.865},{"sentences":[{"text":"So it says, how much risk do you feel you're comfortable to take when it comes to your super to get those greater potential returns?","start":2503.865,"end":2510.1401,"sentiment":"neutral","sentiment_score":0.02422445483505726},{"text":"Do you think you're happy with a higher level of risk to get greater potential returns in the future?","start":2510.2002,"end":2515.1,"sentiment":"neutral","sentiment_score":0.027363312234611886},{"text":"Are you comfortable with a moderate or medium amount of risk to get the best returns you can, or are you only comfortable taking on a small amount of risk to get the best returns you can possibly obtain?","start":2515.2402,"end":2525.005,"sentiment":"neutral","sentiment_score":-0.027227437362456933},{"text":"Yep.","start":2540.11,"end":2540.61,"sentiment":"neutral","sentiment_score":-0.06090357527136803},{"text":"Yep.","start":2546.1902,"end":2546.6902,"sentiment":"neutral","sentiment_score":-0.05239725857973099}],"sentiment":"neutral","sentiment_score":-0.0005841951488572009,"num_words":85,"start":2503.865,"end":2546.6902},{"sentences":[{"text":"Yep.","start":2548.765,"end":2549.265,"sentiment":"neutral","sentiment_score":0.07310498505830765},{"text":"Perfect.","start":2549.325,"end":2549.825,"sentiment":"positive","sentiment_score":0.478520005941391},{"text":"Lovely.","start":2550.445,"end":2550.945,"sentiment":"positive","sentiment_score":0.4628388285636902},{"text":"How do you think you might be feeling if you looked at your super balance in, say, the next six to twelve months and due to external market factors or what was happening in the world?","start":2551.405,"end":2560.045,"sentiment":"neutral","sentiment_score":0.05414576708830686},{"text":"If the portfolio fell and we saw maybe a 10 or 20 drop, how do you think you might be starting to feel?","start":2560.045,"end":2566.12,"sentiment":"neutral","sentiment_score":-0.15552901541409286}],"sentiment":"neutral","sentiment_score":-0.009894450319059674,"num_words":62,"start":2548.765,"end":2566.12},{"sentences":[{"text":"Yeah.","start":2572.9001,"end":2573.4001,"sentiment":"neutral","sentiment_score":-0.23115389049053192},{"text":"Mhmm.","start":2576.435,"end":2576.935,"sentiment":"neutral","sentiment_score":-0.2096693515777588},{"text":"Mhmm.","start":2578.275,"end":2578.775,"sentiment":"neutral","sentiment_score":-0.07443535327911377},{"text":"Yep.","start":2589.73,"end":2590.0498,"sentiment":"neutral","sentiment_score":0.021606456488370895},{"text":"That's okay.","start":2590.0498,"end":2590.8699,"sentiment":"neutral","sentiment_score":0.0898495726287365}],"sentiment":"neutral","sentiment_score":-0.05232549893359343,"num_words":6,"start":2572.9001,"end":2590.8699},{"sentences":[{"text":"Do you think it might be a little bit con yeah.","start":2591.25,"end":2593.5698,"sentiment":"neutral","sentiment_score":-0.04841807620091872},{"text":"Do you think it might be a bit concerning?","start":2593.5698,"end":2595.3499,"sentiment":"neutral","sentiment_score":-0.07370971971087986},{"text":"Do you think you'd wanna put more money in to take advantage of the market dips, or do you think you might just be calling us and asking what's happening and what can we do?","start":2595.49,"end":2604.375,"sentiment":"neutral","sentiment_score":-0.09190331314291272},{"text":"Yep.","start":2609.555,"end":2610.055,"sentiment":"neutral","sentiment_score":0.03535638377070427},{"text":"Yep.","start":2611.7148,"end":2612.2148,"sentiment":"neutral","sentiment_score":0.15476998686790466}],"sentiment":"neutral","sentiment_score":-0.07407852464862037,"num_words":57,"start":2591.25,"end":2612.2148},{"sentences":[{"text":"Perfect.","start":2612.275,"end":2612.775,"sentiment":"positive","sentiment_score":0.5774710178375244},{"text":"Lovely.","start":2614.41,"end":2614.91,"sentiment":"positive","sentiment_score":0.6014112830162048},{"text":"Having a look at the sort of returns that you're after, you're trying to get the best returns you possibly can out of your super out of your portfolio.","start":2615.93,"end":2622.51,"sentiment":"neutral","sentiment_score":0.3296349372329383},{"text":"Am I right?","start":2622.8098,"end":2623.63,"sentiment":"neutral","sentiment_score":0.15367846687634787},{"text":"Yeah.","start":2625.29,"end":2625.79,"sentiment":"neutral","sentiment_score":0.21887332201004028}],"sentiment":"neutral","sentiment_score":0.3262344058070864,"num_words":35,"start":2612.275,"end":2625.79},{"sentences":[{"text":"All good.","start":2626.3298,"end":2627.0698,"sentiment":"positive","sentiment_score":0.4051625728607178},{"text":"Perfect.","start":2627.685,"end":2628.085,"sentiment":"positive","sentiment_score":0.43285828828811646},{"text":"Well, thank you for answering those questions.","start":2628.085,"end":2629.845,"sentiment":"positive","sentiment_score":0.4421052208968571},{"text":"Now having a bit of a look there, you sorry.","start":2629.845,"end":2634.665,"sentiment":"neutral","sentiment_score":0.056564028933644296},{"text":"The last one here I just had to ask, I do apologize.","start":2635.445,"end":2637.845,"sentiment":"neutral","sentiment_score":-0.03932783814767996}],"sentiment":"neutral","sentiment_score":0.13848831912036985,"num_words":32,"start":2626.3298,"end":2637.845},{"sentences":[{"text":"It just sort of popped up there for me, is when you think about borrowing, you're still wanting to buy property in the future.","start":2637.845,"end":2644.7598,"sentiment":"neutral","sentiment_score":0.048333159647881985},{"text":"You are open to hopefully being able to buy in the future.","start":2644.7598,"end":2647.74,"sentiment":"neutral","sentiment_score":0.17585189702610174},{"text":"Is that right?","start":2648.2798,"end":2649.18,"sentiment":"neutral","sentiment_score":0.06494014089306195},{"text":"Yeah.","start":2652.295,"end":2652.795,"sentiment":"neutral","sentiment_score":-0.010561319068074226},{"text":"Yep.","start":2653.2551,"end":2653.7551,"sentiment":"neutral","sentiment_score":-0.02330936118960381}],"sentiment":"neutral","sentiment_score":0.08368703264107065,"num_words":41,"start":2637.845,"end":2653.7551},{"sentences":[{"text":"Yeah.","start":2660.055,"end":2660.555,"sentiment":"neutral","sentiment_score":-0.13258862495422363},{"text":"Yeah.","start":2660.695,"end":2661.195,"sentiment":"neutral","sentiment_score":-0.13096711039543152},{"text":"Yep.","start":2663.735,"end":2664.235,"sentiment":"neutral","sentiment_score":-0.025367535650730133},{"text":"No.","start":2664.3801,"end":2664.54,"sentiment":"neutral","sentiment_score":-0.06582000106573105},{"text":"That's understandable.","start":2664.54,"end":2665.28,"sentiment":"neutral","sentiment_score":-0.06658579409122467}],"sentiment":"neutral","sentiment_score":-0.08131914337476094,"num_words":6,"start":2660.055,"end":2665.28},{"sentences":[{"text":"Not a problem at all.","start":2665.6602,"end":2666.96,"sentiment":"neutral","sentiment_score":0.03609928488731384},{"text":"And thank you.","start":2667.34,"end":2668.48,"sentiment":"neutral","sentiment_score":0.1133494699994723},{"text":"That's exactly right.","start":2670.46,"end":2671.76,"sentiment":"neutral","sentiment_score":0.06466210260987282},{"text":"Yeah.","start":2672.22,"end":2672.72,"sentiment":"neutral","sentiment_score":0.07883794605731964},{"text":"Yep.","start":2672.94,"end":2673.44,"sentiment":"neutral","sentiment_score":0.139350563287735}],"sentiment":"neutral","sentiment_score":0.07174766550843532,"num_words":13,"start":2665.6602,"end":2673.44},{"sentences":[{"text":"That is exactly right.","start":2673.58,"end":2675.12,"sentiment":"neutral","sentiment_score":0.27122922614216805},{"text":"Now as I kinda mentioned before, you are in more of a balanced growth portfolio, which generally sees about 70% of your super invested in growth assets.","start":2675.26,"end":2683.125,"sentiment":"neutral","sentiment_score":0.12175755478717663},{"text":"These are the investments that take a bit more that give us a bit more risk, that tend to give us greater returns over the longer term as well.","start":2683.125,"end":2689.9248,"sentiment":"positive","sentiment_score":0.36963557734571656},{"text":"There are things like Australian shares, international shares, listed property, and commodities.","start":2689.9248,"end":2694.505,"sentiment":"neutral","sentiment_score":0.33051608751217526},{"text":"This sort of portfolio is trying to average around about six to 8% return on a yearly basis.","start":2695.29,"end":2700.49,"sentiment":"positive","sentiment_score":0.5254111190636953}],"sentiment":"neutral","sentiment_score":0.31683773133489823,"num_words":90,"start":2673.58,"end":2700.49},{"sentences":[{"text":"So your return this year, while spend along has been down a little bit, is generally in line with what the expectation is of that portfolio.","start":2700.49,"end":2707.6301,"sentiment":"positive","sentiment_score":0.612400437776859},{"text":"You still then have around about 30% in defensive investment fees of things that tend to be lower in risk, things like cash, bonds, and fixed interest.","start":2708.595,"end":2716.835,"sentiment":"positive","sentiment_score":0.34081301203480474},{"text":"We wanna have a mix of both to diversify and spread our risk level over the portfolio.","start":2716.835,"end":2722.215,"sentiment":"positive","sentiment_score":0.40986663716680866},{"text":"Over the course of time.","start":2723.3901,"end":2724.99,"sentiment":"neutral","sentiment_score":0.2704105615615845},{"text":"Those defensive investments help to smooth out long term market fluctuations.","start":2724.99,"end":2729.4102,"sentiment":"positive","sentiment_score":0.3358710435303775}],"sentiment":"positive","sentiment_score":0.43184569564669634,"num_words":86,"start":2700.49,"end":2729.4102},{"sentences":[{"text":"So it's good to have some of those in there.","start":2729.6301,"end":2731.97,"sentiment":"positive","sentiment_score":0.5163610726594925},{"text":"The balanced growth portfolio, we do expect the likelihood of a negative return to be about one in six years.","start":2733.1501,"end":2739.7952,"sentiment":"neutral","sentiment_score":-0.13637506626546383},{"text":"So it's relatively low to other portfolios.","start":2739.7952,"end":2741.975,"sentiment":"neutral","sentiment_score":-0.0704118971313749},{"text":"And this sort of investment portfolio suits someone who has about five years before they're wanting to access their their investment or their money.","start":2742.675,"end":2750.5151,"sentiment":"neutral","sentiment_score":0.13452821193883815},{"text":"So this does suit where you are.","start":2750.5151,"end":2752.64,"sentiment":"neutral","sentiment_score":0.30642060722623554}],"sentiment":"neutral","sentiment_score":0.10760069791884984,"num_words":68,"start":2729.6301,"end":2752.64},{"sentences":[{"text":"If you are wanting to take on just a little bit more risk and maybe increase things a bit, we could always move you up into the growth portfolio that increases those growth assets by about 10%.","start":2752.8599,"end":2764.72,"sentiment":"neutral","sentiment_score":0.19905808024309776},{"text":"So you see about 80% invested there.","start":2764.8052,"end":2767.385,"sentiment":"positive","sentiment_score":0.33537555166653227},{"text":"It suits someone who has at least six years before they're wanting to access super.","start":2767.8452,"end":2771.925,"sentiment":"neutral","sentiment_score":0.2771469533443451},{"text":"So at the moment, you're 60.","start":2771.925,"end":2773.385,"sentiment":"neutral","sentiment_score":0.1405781296392282},{"text":"If we sort of work to 67, that does give you seven years.","start":2773.5251,"end":2777.0652,"sentiment":"neutral","sentiment_score":0.18800958303304818}],"sentiment":"neutral","sentiment_score":0.21996891651398096,"num_words":78,"start":2752.8599,"end":2777.0652},{"sentences":[{"text":"We wouldn't wanna keep you in that portfolio right up until the day you retire.","start":2777.6301,"end":2781.55,"sentiment":"neutral","sentiment_score":0.12228760768969854},{"text":"So as you get closer, we'll start to reduce your exposure a little bit there as well and make you more defensive.","start":2781.55,"end":2787.1702,"sentiment":"neutral","sentiment_score":0.17485938661477782},{"text":"But did you wanna sort of maybe look at going up and increasing that, those growth assets by 10%, maybe looking at the growth portfolio, just moving up one sort of stage there for a comfort amount, or what would you like me to do?","start":2788.1902,"end":2801.285,"sentiment":"neutral","sentiment_score":0.1901449668738577},{"text":"Yep.","start":2806.96,"end":2807.46,"sentiment":"neutral","sentiment_score":-0.06778058409690857},{"text":"That's that's okay.","start":2813.52,"end":2815.0598,"sentiment":"neutral","sentiment_score":-0.05876557528972626}],"sentiment":"neutral","sentiment_score":0.16271705604916395,"num_words":86,"start":2777.6301,"end":2815.0598},{"sentences":[{"text":"Would you like me to look at staying in the balance growth option for you at the moment, look at that trends in your time strategy, look at how that how things work for you, look at the overall retirement projection?","start":2815.52,"end":2826.8152,"sentiment":"neutral","sentiment_score":0.08533631655864599},{"text":"If we find it's not gonna be enough, then we could always look at as sort of a worst case scenario, moving you up a little bit, taking on a bit more risk.","start":2827.115,"end":2835.13,"sentiment":"neutral","sentiment_score":-0.1110556587351091},{"text":"Would you like me to look at it that way for you?","start":2835.13,"end":2837.47,"sentiment":"neutral","sentiment_score":0.044537550769746304},{"text":"Yep.","start":2840.25,"end":2840.75,"sentiment":"neutral","sentiment_score":0.10987602174282074},{"text":"Yeah.","start":2842.425,"end":2842.925,"sentiment":"neutral","sentiment_score":0.12459365278482436}],"sentiment":"neutral","sentiment_score":0.006850824141028253,"num_words":88,"start":2815.52,"end":2842.925},{"sentences":[{"text":"That's okay.","start":2843.0652,"end":2843.885,"sentiment":"neutral","sentiment_score":0.1792980432510376},{"text":"It can kinda keep it sort of as a worst case scenario.","start":2844.105,"end":2846.8252,"sentiment":"neutral","sentiment_score":-0.02231476486970981},{"text":"So, you know, if we're not getting the outcome we're sort of after, if it's not really working, then we could always look to take on a bit more risk.","start":2846.8252,"end":2853.645,"sentiment":"neutral","sentiment_score":-0.0877179078757763},{"text":"But I can always just look at sort of keeping the portfolio the same and see see if it works for you that way.","start":2853.705,"end":2858.82,"sentiment":"neutral","sentiment_score":0.10494094404081504},{"text":"Okay?","start":2858.88,"end":2859.38,"sentiment":"neutral","sentiment_score":0.06138932332396507}],"sentiment":"neutral","sentiment_score":0.0005688935086347056,"num_words":69,"start":2843.0652,"end":2859.38},{"sentences":[{"text":"Yep.","start":2860.32,"end":2860.82,"sentiment":"neutral","sentiment_score":0.23571650683879852},{"text":"Beautiful.","start":2861.28,"end":2861.78,"sentiment":"positive","sentiment_score":0.6929003596305847},{"text":"Lovely.","start":2864.0,"end":2864.5,"sentiment":"positive","sentiment_score":0.7279120683670044},{"text":"So I've got that for you.","start":2864.72,"end":2866.5,"sentiment":"positive","sentiment_score":0.5608282635609309},{"text":"Beautiful.","start":2866.88,"end":2867.38,"sentiment":"positive","sentiment_score":0.6749835014343262}],"sentiment":"positive","sentiment_score":0.56964820176363,"num_words":10,"start":2860.32,"end":2867.38},{"sentences":[{"text":"Well, I've basically got everything I need at the moment to kinda go back.","start":2867.76,"end":2870.925,"sentiment":"neutral","sentiment_score":0.20438732206821442},{"text":"So just to kind of recap, we're gonna look at the super.","start":2870.925,"end":2873.405,"sentiment":"neutral","sentiment_score":0.09939262891809146},{"text":"I'll look at where you're in at the moment with Netwealth.","start":2873.405,"end":2876.0452,"sentiment":"neutral","sentiment_score":0.1438650373708118},{"text":"I'll also look at the other options.","start":2876.0452,"end":2877.745,"sentiment":"neutral","sentiment_score":0.12866699695587158},{"text":"I'll try to keep you in that balanced growth environment for you.","start":2877.965,"end":2881.325,"sentiment":"neutral","sentiment_score":0.30097903807957965}],"sentiment":"neutral","sentiment_score":0.18123333754816226,"num_words":56,"start":2867.76,"end":2881.325},{"sentences":[{"text":"As a worst case, we could always look to increase the risk down the track there.","start":2881.325,"end":2884.92,"sentiment":"neutral","sentiment_score":-0.08160901442170143},{"text":"We'll look at removing the underperforming investment for you, replace it with something hopefully lower cost.","start":2885.0,"end":2890.38,"sentiment":"neutral","sentiment_score":-0.005970430327579379},{"text":"I can also look at other investment profiles or portfolios that might sort of if it provides greater benefit, has maybe an option where we can be maneuvering investments for you if they're underperforming.","start":2890.76,"end":2903.075,"sentiment":"neutral","sentiment_score":0.1081923658356947},{"text":"Would you like me to look at alternative investment portfolios like that for you?","start":2903.295,"end":2906.9949,"sentiment":"neutral","sentiment_score":0.07758039182850293},{"text":"Yeah.","start":2909.295,"end":2909.67,"sentiment":"neutral","sentiment_score":0.19588130712509155}],"sentiment":"neutral","sentiment_score":0.04394168043394148,"num_words":81,"start":2881.325,"end":2909.67},{"sentences":[{"text":"All good.","start":2910.5498,"end":2911.29,"sentiment":"positive","sentiment_score":0.36916427314281464},{"text":"The other thing I just said of I had a wanted to have a look at is you don't have any insurances.","start":2912.39,"end":2916.41,"sentiment":"neutral","sentiment_score":-0.009645936333320358},{"text":"Now I know you are 60.","start":2916.47,"end":2917.75,"sentiment":"neutral","sentiment_score":-0.024797655642032623},{"text":"So, realistically, if you were to pass away, I can see here that your super balance will be paid out as a benefit there.","start":2917.75,"end":2924.565,"sentiment":"neutral","sentiment_score":0.07573631584333877},{"text":"But you don't have any personal insurances, the life TPD income protection.","start":2924.885,"end":2929.545,"sentiment":"neutral","sentiment_score":-0.11615122016519308}],"sentiment":"neutral","sentiment_score":0.01213922653573029,"num_words":66,"start":2910.5498,"end":2929.545},{"sentences":[{"text":"In the event of, say, a TPD claim, we can be giving your age access super under permanent incapacity so you can make a claim on super that way.","start":2930.405,"end":2939.7,"sentiment":"neutral","sentiment_score":-0.039751413374625406},{"text":"If you were to pass away, the last benefit would just be paid out of your super balance.","start":2940.02,"end":2945.38,"sentiment":"neutral","sentiment_score":-0.13955455645918846},{"text":"So whatever your super balance is paid out to your beneficiary there as well.","start":2945.38,"end":2949.0,"sentiment":"neutral","sentiment_score":-0.0037013578361698557},{"text":"But in the event of not being able to work in the shorter term, we would again have to try and access super.","start":2949.7,"end":2954.8398,"sentiment":"neutral","sentiment_score":-0.19058800423922745},{"text":"And because you are 60, if you were not working, we could, you know, access super under that sort of benefit and give you some money out of there.","start":2955.405,"end":2963.2651,"sentiment":"neutral","sentiment_score":0.01200601342937042}],"sentiment":"neutral","sentiment_score":-0.06860125417598581,"num_words":113,"start":2930.405,"end":2963.2651},{"sentences":[{"text":"But are you comfortable not having insurances?","start":2963.405,"end":2965.665,"sentiment":"neutral","sentiment_score":-0.11255149756159101},{"text":"Are you happy to sort of continue that way?","start":2966.0452,"end":2968.68,"sentiment":"neutral","sentiment_score":-0.10188905480835173},{"text":"What's your thoughts around the personal insurance side of things?","start":2968.68,"end":2971.5,"sentiment":"neutral","sentiment_score":-0.06595341823995113},{"text":"Yeah.","start":2979.56,"end":2980.06,"sentiment":"neutral","sentiment_score":-0.26697275042533875},{"text":"Yeah.","start":2984.395,"end":2984.875,"sentiment":"neutral","sentiment_score":-0.13057579100131989}],"sentiment":"neutral","sentiment_score":-0.09864088214401688,"num_words":28,"start":2963.405,"end":2984.875},{"sentences":[{"text":"I mean, given your age because you are 60 look.","start":2984.875,"end":2987.435,"sentiment":"neutral","sentiment_score":-0.10845517218112946},{"text":"And the realistic view is if you are not working, if you stop working due to your illness or whatever, you can access it.","start":2987.435,"end":2994.93,"sentiment":"neutral","sentiment_score":-0.23099334600071111},{"text":"If you're over 60, not working, or dropping it.","start":2994.93,"end":2997.49,"sentiment":"neutral","sentiment_score":-0.23372229437033334},{"text":"You know?","start":2997.49,"end":2998.31,"sentiment":"neutral","sentiment_score":-0.149245023727417},{"text":"Ceasing work is essentially the condition of release to access your super, so you could do so.","start":2998.45,"end":3004.79,"sentiment":"neutral","sentiment_score":-0.297602364245583}],"sentiment":"neutral","sentiment_score":-0.22725198249663076,"num_words":62,"start":2984.875,"end":3004.79},{"sentences":[{"text":"Permanent incapacity, again, is the same sort of thing.","start":3005.17,"end":3007.7349,"sentiment":"neutral","sentiment_score":-0.21893995669153002},{"text":"Claiming that against your super, and that provides the benefit to you so you can access your super if you were diagnosed with some sort of disability that stopped you from working.","start":3007.7349,"end":3016.2349,"sentiment":"neutral","sentiment_score":-0.1377572533674538},{"text":"And if you were to pass away, your super benefit is paid out to your partner or to your beneficiary as a life benefit as well.","start":3016.775,"end":3025.7,"sentiment":"neutral","sentiment_score":-0.03978628392976064},{"text":"So you do sort of have those covers there without actually having insurances.","start":3025.7,"end":3029.24,"sentiment":"neutral","sentiment_score":-0.011837975910076726},{"text":"The downside to not having insurances is that it is only your super that is paid out to provide that benefit.","start":3030.5,"end":3035.94,"sentiment":"neutral","sentiment_score":-0.2910278184073312}],"sentiment":"neutral","sentiment_score":-0.13543181161921802,"num_words":101,"start":3005.17,"end":3035.94},{"sentences":[{"text":"You don't have anything additional to fall back on.","start":3035.94,"end":3038.6,"sentiment":"neutral","sentiment_score":-0.27447424829006195},{"text":"The benefit to not having insurance is is that you're not paying for those premiums out of your super, and that can have a long term effect on your super as well.","start":3038.925,"end":3046.605,"sentiment":"neutral","sentiment_score":0.02466101641766727},{"text":"So I just wanted to sort of make sure I'm clarifying that with you and confirm your comfort level.","start":3046.605,"end":3053.0051,"sentiment":"neutral","sentiment_score":0.10070717373960897},{"text":"But did you want us to look at some sort of cover for you, or are you happy just with what you've got and just wanting to maximize super?","start":3053.0051,"end":3060.23,"sentiment":"neutral","sentiment_score":0.0719788355817055},{"text":"What's your where your where's your comfort level at?","start":3060.23,"end":3063.29,"sentiment":"neutral","sentiment_score":0.05036568600270483}],"sentiment":"neutral","sentiment_score":0.028295897935726205,"num_words":98,"start":3035.94,"end":3063.29},{"sentences":[{"text":"Yep.","start":3067.2852,"end":3067.7852,"sentiment":"positive","sentiment_score":0.38132232427597046},{"text":"Yep.","start":3069.445,"end":3069.945,"sentiment":"neutral","sentiment_score":0.1759282946586609},{"text":"Yep.","start":3072.965,"end":3073.465,"sentiment":"neutral","sentiment_score":0.22791998088359833},{"text":"That's okay.","start":3073.685,"end":3074.485,"sentiment":"positive","sentiment_score":0.36077530682086945},{"text":"And the other thing we do have to sort of discuss is the option of trauma.","start":3074.485,"end":3077.7651,"sentiment":"neutral","sentiment_score":0.03431029000785202}],"sentiment":"neutral","sentiment_score":0.09788980255169528,"num_words":21,"start":3067.2852,"end":3077.7651},{"sentences":[{"text":"So trauma is not an insurances that are paid.","start":3077.7651,"end":3081.87,"sentiment":"neutral","sentiment_score":-0.03132036535276307},{"text":"In SOP, you have to pay for them out of your back pocket, but trauma tends to pay out a lump sum tax free benefit in the event that you are diagnosed with, say, certain cancers, neurological conditions, Parkinson's, things like that.","start":3082.4102,"end":3093.885,"sentiment":"neutral","sentiment_score":0.04039310927813252},{"text":"Did you wanna look at getting any trauma?","start":3094.605,"end":3096.605,"sentiment":"neutral","sentiment_score":-0.018387701828032732},{"text":"You're happy not to have trauma as another option?","start":3096.605,"end":3099.745,"sentiment":"neutral","sentiment_score":0.02494966487089793},{"text":"Yeah.","start":3105.405,"end":3105.905,"sentiment":"neutral","sentiment_score":-0.0704786479473114}],"sentiment":"neutral","sentiment_score":0.020602811924249367,"num_words":69,"start":3077.7651,"end":3105.905},{"sentences":[{"text":"Yeah.","start":3109.87,"end":3110.37,"sentiment":"neutral","sentiment_score":0.015046775341033936},{"text":"This day should be fine.","start":3115.2302,"end":3116.27,"sentiment":"positive","sentiment_score":0.3530257761478424},{"text":"Not a problem at all.","start":3116.27,"end":3117.2302,"sentiment":"neutral","sentiment_score":0.17792373299598693},{"text":"I just thought I'd have to go through those with you to sort of make sure that you're aware and understand the differences there.","start":3117.2302,"end":3123.575,"sentiment":"neutral","sentiment_score":0.047406559344381094},{"text":"We always have to give you the option.","start":3123.875,"end":3125.475,"sentiment":"neutral","sentiment_score":0.14770561177283525}],"sentiment":"neutral","sentiment_score":0.11602782882576765,"num_words":43,"start":3109.87,"end":3125.475},{"sentences":[{"text":"That's all.","start":3125.475,"end":3126.0352,"sentiment":"neutral","sentiment_score":0.16102507710456848},{"text":"So I'd like to make sure I'm giving you all the information to be able to make that decision comfortably.","start":3126.0352,"end":3131.0151,"sentiment":"positive","sentiment_score":0.3528725288808346},{"text":"Okay.","start":3131.3152,"end":3131.8152,"sentiment":"neutral","sentiment_score":0.16933146119117737},{"text":"Perfect.","start":3134.09,"end":3134.59,"sentiment":"positive","sentiment_score":0.3907345235347748},{"text":"So we're focusing on the super looking at ways to benefit there.","start":3134.97,"end":3137.9302,"sentiment":"neutral","sentiment_score":0.26313333710034686}],"sentiment":"neutral","sentiment_score":0.3082546322709984,"num_words":36,"start":3125.475,"end":3137.9302},{"sentences":[{"text":"I'll look at the transition retirement strategy for you.","start":3137.9302,"end":3141.3901,"sentiment":"neutral","sentiment_score":0.1872781150870853},{"text":"I'm looking at taking out a 10% withdrawal this year and then maybe looking at the TTR strategy moving forward.","start":3141.53,"end":3147.675,"sentiment":"neutral","sentiment_score":0.18849596828222276},{"text":"We're working on a take home pay keeping your take home pay at around that $1,500 mark per week.","start":3147.915,"end":3153.7551,"sentiment":"neutral","sentiment_score":0.15388479515125877},{"text":"Is that right?","start":3153.7551,"end":3154.475,"sentiment":"neutral","sentiment_score":0.10153737912575404},{"text":"Sorry.","start":3154.475,"end":3154.715,"sentiment":"neutral","sentiment_score":-0.03335238993167877}],"sentiment":"neutral","sentiment_score":0.16635563955284083,"num_words":52,"start":3137.9302,"end":3154.715},{"sentences":[{"text":"It's per week, isn't it?","start":3154.715,"end":3155.835,"sentiment":"neutral","sentiment_score":-0.04357140138745308},{"text":"Your take home pay, 1,500 per week or fortnight?","start":3155.835,"end":3159.455,"sentiment":"neutral","sentiment_score":-0.01534957904368639},{"text":"Per week?","start":3160.1,"end":3160.84,"sentiment":"neutral","sentiment_score":-0.008332680445164442},{"text":"Per week.","start":3161.7,"end":3162.26,"sentiment":"neutral","sentiment_score":0.010808546096086502},{"text":"Yep.","start":3162.26,"end":3162.58,"sentiment":"neutral","sentiment_score":0.1703895777463913}],"sentiment":"neutral","sentiment_score":-0.009508521541168815,"num_words":19,"start":3154.715,"end":3162.58},{"sentences":[{"text":"Perfect.","start":3162.58,"end":3163.06,"sentiment":"positive","sentiment_score":0.4222029149532318},{"text":"Just wanna clarify that for you.","start":3163.06,"end":3165.24,"sentiment":"neutral","sentiment_score":0.25193458795547485},{"text":"And, yes, I'll go back and do all that additional research for you.","start":3166.98,"end":3170.34,"sentiment":"neutral","sentiment_score":0.24126277233545596},{"text":"If I find it's not gonna work, we could just look at salary sacrificing and seeing what that can do to help you.","start":3170.34,"end":3176.7551,"sentiment":"negative","sentiment_score":-0.38010159588378406},{"text":"If there's another conversation I need to have, I'll come back and have that with you.","start":3176.8152,"end":3180.495,"sentiment":"neutral","sentiment_score":-0.07488381874281913}],"sentiment":"neutral","sentiment_score":-0.08254663257907002,"num_words":59,"start":3162.58,"end":3180.495},{"sentences":[{"text":"But I've got a a lot of really good ideas that we can look at for you, some different strategies to assess, and we can update the advice document and come back and show you what that looks like so you can decide whether you're happy to take on the advice or not.","start":3180.495,"end":3193.9202,"sentiment":"positive","sentiment_score":0.415317454709197},{"text":"Does that sound okay, Darren?","start":3193.9202,"end":3195.46,"sentiment":"neutral","sentiment_score":0.2505118638277054},{"text":"Yep.","start":3196.8,"end":3197.3,"sentiment":"positive","sentiment_score":0.3783959746360779},{"text":"Beautiful.","start":3197.52,"end":3198.02,"sentiment":"positive","sentiment_score":0.6281440854072571},{"text":"Do you have any questions?","start":3198.08,"end":3199.12,"sentiment":"neutral","sentiment_score":0.19380101859569548}],"sentiment":"positive","sentiment_score":0.38830660879611967,"num_words":65,"start":3180.495,"end":3199.12},{"sentences":[{"text":"I know I've asked you everything under the sun.","start":3199.12,"end":3201.12,"sentiment":"neutral","sentiment_score":0.13690558903747135},{"text":"I know as much about you as possible.","start":3201.12,"end":3203.04,"sentiment":"neutral","sentiment_score":0.20660939440131187},{"text":"But do you have any questions for me?","start":3203.04,"end":3205.185,"sentiment":"neutral","sentiment_score":0.0141319849062711},{"text":"Did you want me to kinda break anything further down for you?","start":3205.2651,"end":3208.245,"sentiment":"neutral","sentiment_score":-0.00823864775399367},{"text":"Or Yep.","start":3208.3052,"end":3213.125,"sentiment":"neutral","sentiment_score":0.05533351004123688}],"sentiment":"neutral","sentiment_score":0.07717652776493476,"num_words":39,"start":3199.12,"end":3213.125},{"sentences":[{"text":"Beautiful.","start":3213.585,"end":3214.085,"sentiment":"positive","sentiment_score":0.5696365237236023},{"text":"Well, if you find you do have questions, please do let me know.","start":3214.145,"end":3217.2,"sentiment":"neutral","sentiment_score":0.14377421484543726},{"text":"I have sent the annual review documents to you, which does give you a summary of your balance.","start":3217.68,"end":3222.24,"sentiment":"neutral","sentiment_score":0.2195955291390419},{"text":"It also has the internal rate of return report that we went through, giving you the returns and how your sleeper has performed.","start":3222.24,"end":3228.5798,"sentiment":"neutral","sentiment_score":0.22936235238676486},{"text":"It's also got there the ongoing service agreement attached, So that's essentially just letting you know that you do pay an ongoing service fee for our services, which is 1.65% per annum.","start":3229.2,"end":3239.345,"sentiment":"neutral","sentiment_score":0.16412074747495353}],"sentiment":"neutral","sentiment_score":0.1944668835093235,"num_words":87,"start":3213.585,"end":3239.345},{"sentences":[{"text":"It is deducted in smaller monthly increments out of your super, and that allows us to be looking after your super, monitoring everything for you, but also updating the advice and the strategies.","start":3239.645,"end":3248.22,"sentiment":"neutral","sentiment_score":0.29242510596911114},{"text":"There's no additional fees for that.","start":3248.22,"end":3249.9,"sentiment":"neutral","sentiment_score":0.17971369127432504},{"text":"So if I can get you to run your eyes over the documents there, return those and your review documents back for us.","start":3249.9,"end":3255.92,"sentiment":"neutral","sentiment_score":0.26803522135900415},{"text":"You'll also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it.","start":3256.22,"end":3262.525,"sentiment":"neutral","sentiment_score":0.20325328844288984},{"text":"It outlines all the important aspects of our job, making sure that we're abiding by the corporations act specifically sorry, specifically, section nine of that.","start":3262.525,"end":3271.9648,"sentiment":"neutral","sentiment_score":0.15966713979840277}],"sentiment":"neutral","sentiment_score":0.2320980013826409,"num_words":111,"start":3239.645,"end":3271.9648},{"sentences":[{"text":"We also make sure that we abide by privacy rules and regulations, making sure to do security with you on a regular basis.","start":3271.9648,"end":3273.236,"sentiment":"neutral","sentiment_score":0.17659227294928354},{"text":"And if you And if you wanna have a look through that document, it's also got a lovely picture of me in there.","start":3273.236,"end":3282.58,"sentiment":"neutral","sentiment_score":0.2927034741834454},{"text":"So you can also see what I look like and get a bit of an idea of who I am as a financial adviser.","start":3282.58,"end":3287.56,"sentiment":"neutral","sentiment_score":0.24793677714963755},{"text":"Okay?","start":3287.78,"end":3288.28,"sentiment":"neutral","sentiment_score":0.1884097158908844},{"text":"Beautiful.","start":3290.165,"end":3290.665,"sentiment":"positive","sentiment_score":0.7372420430183411}],"sentiment":"neutral","sentiment_score":0.24541578603546238,"num_words":72,"start":3271.9648,"end":3290.665},{"sentences":[{"text":"Beautiful.","start":3290.805,"end":3291.305,"sentiment":"positive","sentiment_score":0.7451013326644897},{"text":"Did you have any other questions?","start":3291.445,"end":3293.045,"sentiment":"neutral","sentiment_score":0.30931684374809265},{"text":"Have I sort of touched on the points that were more important to you today?","start":3293.045,"end":3296.165,"sentiment":"neutral","sentiment_score":0.2428462415933609},{"text":"Is there anything else that might come to mind that you wanted to ask me at all?","start":3296.165,"end":3300.105,"sentiment":"neutral","sentiment_score":0.12055238380151637},{"text":"No?","start":3302.74,"end":3303.24,"sentiment":"neutral","sentiment_score":-0.12397481501102448}],"sentiment":"neutral","sentiment_score":0.2042277932167053,"num_words":40,"start":3290.805,"end":3303.24},{"sentences":[{"text":"That's okay.","start":3303.78,"end":3304.5999,"sentiment":"neutral","sentiment_score":0.02702796133235097},{"text":"If anything does happen to come to mind at any point, please do let us know.","start":3304.8198,"end":3308.74,"sentiment":"neutral","sentiment_score":0.07496692915447056},{"text":"We are here, and I will always make time to take the call for you.","start":3308.74,"end":3311.96,"sentiment":"neutral","sentiment_score":0.28193447093168894},{"text":"But, yeah, I'll get started on this research.","start":3312.675,"end":3314.675,"sentiment":"neutral","sentiment_score":0.24281807243824005},{"text":"And as soon as we have it ready to go, I'll book you back in, and we'll go through the advice document together.","start":3314.675,"end":3319.655,"sentiment":"neutral","sentiment_score":0.23188976166041}],"sentiment":"neutral","sentiment_score":0.19935238985635806,"num_words":64,"start":3303.78,"end":3319.655},{"sentences":[{"text":"Okay?","start":3319.875,"end":3320.375,"sentiment":"neutral","sentiment_score":0.1280607283115387},{"text":"My pleasure.","start":3322.675,"end":3323.315,"sentiment":"positive","sentiment_score":0.8355202972888947},{"text":"Thank you so much for your time today.","start":3323.315,"end":3324.995,"sentiment":"positive","sentiment_score":0.8762189149856567},{"text":"I appreciate it.","start":3324.995,"end":3326.0352,"sentiment":"positive","sentiment_score":0.8736732403437296},{"text":"I hope you have a lovely rest of your day.","start":3326.0352,"end":3328.2952,"sentiment":"positive","sentiment_score":0.8324011087417602}],"sentiment":"positive","sentiment_score":0.8230784771343073,"num_words":24,"start":3319.875,"end":3328.2952},{"sentences":[{"text":"Thanks, Darren.","start":3330.8599,"end":3331.5798,"sentiment":"positive","sentiment_score":0.6201378405094147},{"text":"Talk to you soon.","start":3331.5798,"end":3332.46,"sentiment":"positive","sentiment_score":0.4956253096461296},{"text":"See you later.","start":3332.46,"end":3333.3599,"sentiment":"positive","sentiment_score":0.38011783361434937},{"text":"Bye.","start":3334.2998,"end":3334.7998,"sentiment":"neutral","sentiment_score":-0.10248898714780807}],"sentiment":"positive","sentiment_score":0.42606414332985876,"num_words":10,"start":3330.8599,"end":3334.7998}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Yeah. No. No. It's all good. It's all good. Yeah. Yeah. Karen Casar. 121065. Number 2, Ellen Street. Sorry. Yeah. Oh, yeah. It's good. Yep. Yeah. Normally, your weekend is as well, like a Saturday. Christmas party. Yeah. That was very good. No. Just just the future of what I can do and what I should be doing. Like, see my my age and probably not gonna be able to get a house, but, yeah, things like that where because I haven't got a house, and that's what I didn't want. But, yeah, I'm just wondering, you know, if I can do something like that. But, yeah, that'd be the only thing. And another thing would be is there can you buy a house within your super? Yep. Okay. Yes. Yeah. Yeah. Yeah. Yeah. I thought there was some, yeah, rules. Yeah. Alright. Yes. Yes. Yeah. Well, yeah. I don't know. Probably probably not because I'm I I do know I'm not gonna have enough. That's that's the thing, but I just well, I wouldn't like a house, but to to live in or or something. But yeah. I know I'm not gonna have enough. So anyway. Yeah. That's that's where I'm at. Yeah. Yeah. That's yeah. That's right. Yeah. Yeah. I can have a look later. Yeah. That's right. Yes. Yeah. Yes. A little bit, but, you know, I'd I'd like to do a lot more. I just probably don't get enough to do yeah. I want to learn a bit more about it, but yeah. Not enough. Yeah. Yeah. Yeah. It does. That's that's yeah. That's what I need on. Because I I feel like I keep wondering whether I you should be doing something different or better or more to not knowing how much I'll need, of course, but obviously a lot more than I've got. So yeah. Now would be good, but that ain't gonna happen. Yeah. Well, I don't yeah. As soon as possible, but, yeah, as much as I gotta do, I've gotta take down, I guess. And because oh, it's alright. Because I I don't I don't do a lot of work and stuff like midweek stuff online, casual, and do the weekends and stuff. So I do miss out on a fair bit of super, I would say. So so, yeah, that's why I'm probably struggling a bit to get that account a bit more. This last three weeks, I've done been doing a bit extra because the the last three weeks, I have been doing a bit extra, but I'm just trying to find a a nice balance, work life balance sort of in there. It's it it in one way, it does affecting in other ways with my super and stuff. So it's a yeah. Yeah. Yeah. I have it. I have it. Yep. Yeah. Yeah. I'm sorry. I wanna yeah. Yeah. You know, do you really I I was gonna be worried because I don't know well, I don't know. For me, it doesn't I don't know if it's secure enough or if there's a crash gonna happen, of course, you lose it all. I don't know fully know how it all works, but I know I need every sort of thing I can get. So yeah. Yes. Okay. Yeah. Yeah. Yeah. Yeah. He's just well, it depends on on health and and and that's why I'm working working less. Yeah. 65 would be good, but I yeah. I'm probably not bad enough. So, you know, I have to go a bit more. Yeah. Yeah. Well, yeah, they have to well, I I would say less just to keep me going a bit more, but it's on there. It has to be less because I won't be doing as much in in that. Well, that's at the moment, we haven't got a cheap setup, but I think it's gonna change and it'll probably change. At the moment, we're only paying $4.50. But, yeah, I I would say it'll change because we're gonna have to move sort of soon, but don't know yet. But at the moment, it's pretty good. Because I only do this three days, and and I'll do more at you know, when when needed and when I can and so forth. But normally, it's three days. So it's depending on the hours, so anywhere between, say, 1,500 to about 2,200. Okay. Yeah. Yeah. No. It's probably $5.15 guiding sort of would be more accurate, I'm saying. Yeah. I would say they're lower, 15 or less 7. Yeah. Yep. No. It's not I wouldn't say try. I'm trying to save a bit as well. Plenty plenty a trip in that. But yeah. Because I'd I'd like to go to Malta, and I hope I've been, and that's where my father was from. So I do wanna go to where he grew up and stuff like that. That's what I've always wanted to do, and I figured, well, I'm gonna do it before it's too late. So I think that that yeah. Just trying to save a tweak for that and things like that. So, yeah, it's it's not tight, but I'm really doing pretty well, but it's just, you know, one of those things. Yeah. I don't know. I know I've probably screwed you putting in a bit extra. That's probably a good idea. I just don't know if yeah. I probably should. Yeah. Yeah. Okay. Yep. Oh, yeah. As much as possible. Partners doing most of that sort of balancing, but what did she say? That she's gonna put all her wages away, which is yeah. Because it's part of, you know, that's that's how we set up. She's gonna put all hers away so it's around for 800 a week. That's I think that's the plan. So yeah. Truck driver. Well, a bit of both local. It's really local. It's it's not like all distance sleeping in a truck and that, but yeah. So it's local. I'm actually up in Brisbane at the moment working. Yeah. Yeah. That port is up here because it's but It's worth having a little busy. Everything's quite a bit crazy. So I asked this few of us Newcastle bikes to come up in. Okay? Yeah. Yep. Yes. That's right. Yeah. That's alright. Send them. Alright. Yeah. Okay. Yep. Yeah. Yeah. Yeah. She's younger. She's got 12 years twelve years younger. She's, well, she probably would like to retire at the same time, I would say, but, yeah, just depending on what's going on. Professional. Yeah. It's a Ram around $8,900. Yeah. Yeah. Got that. No. No. I don't. I forget. And yeah. Yeah. Pretty sure she's got something. I'm just it's not it's not a lot either, I don't think. But yeah. Yeah. I'm not sure. Yeah. I I maybe I don't know for sure. I'd say I'd say the South Side maybe. Yeah. That's it. No. It's alright. Oh, they're not. Well, that one, that's probably gone now. We've got another one. It's it's probably up around 20 right now or maybe 15. This one is Colorado '20 '20 '16 World. Yeah. Yep. Not not as much as I should, but every chance I get. Oh, I think it's still yeah. It should be the store in there. Yeah. You know, that one's gone too, but the other one is a new one. It's probably around the 50, and and we owe we owe a little bit on it. So that was another question I I had. Would I be able to get some money out to pay towards that debt? Yeah. Yeah. It's just just to reduce that debt, I guess, but the plan is to pay it off. What is it? Jeez. I'm not sure now. It's about $40.45. I'll have to look at it. It's a I see the m u x. Yeah. '22 model. Yeah. It's just yeah. We should've needed a car at the time and probably went a bit bit more than I wanted to, but it was a good car. So yeah. It's yeah. Just give us something a bit more reliable and all that. So I just said it is at the time and and just working on paying that off as quick as possible. Yep. Yeah. That's yeah. It would be I think the way it goes. Because I think overall, it would be better to reduce that debt as quick as possible. But is it is it worth it in, like, a $100 cents, I guess? I guess it it should be. Yes. Yes. Yes. Yes. Yeah. Yeah. Alright. Sounds good. Yeah. Okay. No. That's it. That's it. No. Everything's alright. It's yeah, everything's fine. It's just really just a a nice balance to not well, just not worth too hard, but just enough to to to save a bit and and, yeah, enjoy life a bit. Yeah. Well, that's, yeah, that's a big plan because that's, yeah, that's what I wanna do. So Well, not apart from if we're you know, as far as going, but but but buying a house maybe, but that's why I gotta decide whether whether it's not gonna happen and and plan to not have one and just rent or whatever, but or a unit or something like that. But, yeah, that's that's another goal that's just to set something up for somewhere to live, really. But yeah. It's yeah. Just wondering which way it'll go and whether it's worth even looking or yeah, that's all I was thinking. No. Not always wanted to, but just never got there. I never understood it enough to to know what to do. So always always wanted to get into it, but never did. Oh, yeah. It's just that crystal ball thing. I I'm only because I need to get as much as I can. I I would like to sort of high risk, but yeah. I'm a little bit worried, so maybe medium. Well, it is what it is. I don't know. I'd I'd I would hope it's not. That sort of wouldn't happen. But, yeah, I I get yeah. I don't know. I don't know enough, I guess. But, you know, it is what it is. You know? Gotta get together to fly. Probably just calling you, I guess. Yeah. Yeah. Well, yeah. I would. But, you know, to get it. But, yeah, he's gonna owe me money, really. We have a year ago, probably wouldn't be able to get it. So but you never know what comes along, that's all. You know? Okay. Yeah. Yeah. Yeah. I wish I knew. I don't know. Yeah. I don't I don't know really. I guess I guess so. Yeah. Yeah. I'll I'll yes. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. I I don't know. I hate the insurance part. It's it's something you need you need you need to do something about. Yep. Yeah. Yep. At this stage, I guess I'm happy. I take that to the chance, I guess. And, yes, at this stage, that'll do. I guess at this stage, I'm gonna need yeah, probably need something one day. Yeah. Just yeah. Anyway, that'll at this stage, it should be alright. Yep. Yep. K. Yeah. I'll put it with yeah. Yep. That sounds good. No. I think that's yeah. That's about it. Okay. No. No. I think that's it. Alright. Thank you very much. Yeah. You too. Thanks. Bye.","confidence":0.9484321,"words":[{"word":"hello","start":1.28,"end":1.78,"confidence":0.9875194,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.02675699070096016},{"word":"yeah","start":6.3199997,"end":6.8199997,"confidence":0.6282151,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.41159144043922424},{"word":"yeah","start":19.905,"end":20.405,"confidence":0.89513624,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00039312243461608887},{"word":"no","start":21.585001,"end":21.825,"confidence":0.95744085,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.000017557293176651},{"word":"no","start":21.825,"end":22.145,"confidence":0.69457406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.08190296590328217},{"word":"it's","start":22.145,"end":22.385,"confidence":0.7864789,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.25206848978996277},{"word":"all","start":22.385,"end":22.625,"confidence":0.93771565,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.34317755699157715},{"word":"good","start":22.625,"end":22.945,"confidence":0.99743634,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3928838074207306},{"word":"it's","start":22.945,"end":23.185001,"confidence":0.96406615,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4858746528625488},{"word":"all","start":23.185001,"end":23.345001,"confidence":0.9980388,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.49206385016441345},{"word":"good","start":23.345001,"end":23.845001,"confidence":0.998996,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3747063279151917},{"word":"yeah","start":31.69,"end":32.190002,"confidence":0.9506471,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09569032490253448},{"word":"yeah","start":41.61,"end":41.93,"confidence":0.83496875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03591311722993851},{"word":"karen","start":41.93,"end":42.41,"confidence":0.39979267,"punctuated_word":"Karen","sentiment":"neutral","sentiment_score":0.026368465274572372},{"word":"casar","start":42.41,"end":42.91,"confidence":0.4801618,"punctuated_word":"Casar.","sentiment":"neutral","sentiment_score":0.0254107229411602},{"word":"121065","start":43.21,"end":44.989998,"confidence":0.9609562,"punctuated_word":"121065.","sentiment":"neutral","sentiment_score":0.028452422469854355},{"word":"number","start":46.495003,"end":46.735,"confidence":0.92147356,"punctuated_word":"Number","sentiment":"neutral","sentiment_score":0.05660690739750862},{"word":"2","start":46.735,"end":47.055,"confidence":0.82336813,"punctuated_word":"2,","sentiment":"neutral","sentiment_score":0.0414009690284729},{"word":"ellen","start":47.055,"end":47.375,"confidence":0.41390043,"punctuated_word":"Ellen","sentiment":"neutral","sentiment_score":0.07315651327371597},{"word":"street","start":47.375,"end":47.655,"confidence":0.94991046,"punctuated_word":"Street.","sentiment":"neutral","sentiment_score":0.07567105442285538},{"word":"sorry","start":47.655,"end":47.935,"confidence":0.8090354,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.03467972204089165},{"word":"yeah","start":47.935,"end":48.435,"confidence":0.9948431,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07872959971427917},{"word":"oh","start":57.775,"end":58.015,"confidence":0.9797238,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.18932852149009705},{"word":"yeah","start":58.015,"end":58.255,"confidence":0.99049765,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.20942971110343933},{"word":"it's","start":58.255,"end":58.495003,"confidence":0.9919332,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.30443328619003296},{"word":"good","start":58.495003,"end":58.995003,"confidence":0.99278826,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3491427004337311},{"word":"yep","start":59.055,"end":59.52,"confidence":0.90214634,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16730765998363495},{"word":"yeah","start":65.6,"end":65.92,"confidence":0.9255484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07728201150894165},{"word":"normally","start":65.92,"end":66.32,"confidence":0.7690883,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":0.0847475528717041},{"word":"your","start":66.32,"end":66.48,"confidence":0.54749924,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09981659799814224},{"word":"weekend","start":66.48,"end":66.8,"confidence":0.9275956,"punctuated_word":"weekend","sentiment":"neutral","sentiment_score":0.10612647235393524},{"word":"is","start":66.8,"end":67.04,"confidence":0.47789115,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1025519073009491},{"word":"as","start":67.04,"end":67.12,"confidence":0.45198774,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1238696500658989},{"word":"well","start":67.12,"end":67.36,"confidence":0.8360504,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.13856229186058044},{"word":"like","start":67.36,"end":67.68,"confidence":0.92840725,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1380556970834732},{"word":"a","start":67.68,"end":67.76,"confidence":0.36611935,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.162773460149765},{"word":"saturday","start":67.76,"end":68.26,"confidence":0.97852474,"punctuated_word":"Saturday.","sentiment":"neutral","sentiment_score":0.15372702479362488},{"word":"christmas","start":76.155,"end":76.655,"confidence":0.4189713,"punctuated_word":"Christmas","sentiment":"neutral","sentiment_score":0.07648622989654541},{"word":"party","start":76.715,"end":77.215,"confidence":0.7781769,"punctuated_word":"party.","sentiment":"neutral","sentiment_score":0.08907906711101532},{"word":"yeah","start":79.195,"end":79.595,"confidence":0.8906928,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.28156113624572754},{"word":"that","start":79.595,"end":79.755,"confidence":0.8880011,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.4604176878929138},{"word":"was","start":79.755,"end":79.995,"confidence":0.535285,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.4739959239959717},{"word":"very","start":79.995,"end":80.075,"confidence":0.18575726,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.434467077255249},{"word":"good","start":80.075,"end":80.575,"confidence":0.73981625,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3772022128105163},{"word":"no","start":95.05,"end":95.53,"confidence":0.91014814,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1576327383518219},{"word":"just","start":95.53,"end":96.03,"confidence":0.9639248,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.12835393846035004},{"word":"just","start":97.850006,"end":98.170006,"confidence":0.9612031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12445525079965591},{"word":"the","start":98.170006,"end":98.490005,"confidence":0.7939351,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15334996581077576},{"word":"future","start":98.490005,"end":98.990005,"confidence":0.99905354,"punctuated_word":"future","sentiment":"neutral","sentiment_score":-0.19145891070365903},{"word":"of","start":100.01,"end":100.25,"confidence":0.59789705,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17643123865127563},{"word":"what","start":100.25,"end":100.41,"confidence":0.9308215,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.24541868269443512},{"word":"i","start":100.41,"end":100.57,"confidence":0.99775875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14694006741046906},{"word":"can","start":100.57,"end":100.73,"confidence":0.99784636,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1981745213270187},{"word":"do","start":100.73,"end":100.97,"confidence":0.6686651,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1898217350244522},{"word":"and","start":100.97,"end":101.05,"confidence":0.5012402,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14431717991828918},{"word":"what","start":101.05,"end":101.21001,"confidence":0.97349924,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.20924195647239685},{"word":"i","start":101.21001,"end":101.37,"confidence":0.97045094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17299488186836243},{"word":"should","start":101.37,"end":101.53,"confidence":0.99963045,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.1837592720985413},{"word":"be","start":101.53,"end":101.69,"confidence":0.99952495,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1485043317079544},{"word":"doing","start":101.69,"end":102.090004,"confidence":0.80355424,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.13193851709365845},{"word":"like","start":102.090004,"end":102.590004,"confidence":0.9365337,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.05633130669593811},{"word":"see","start":105.365,"end":105.604996,"confidence":0.73210573,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.0867275595664978},{"word":"my","start":105.604996,"end":106.104996,"confidence":0.9493159,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.11192327737808228},{"word":"my","start":106.485,"end":106.985,"confidence":0.99077004,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.10170802474021912},{"word":"age","start":107.365,"end":107.865,"confidence":0.99881697,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.10888943076133728},{"word":"and","start":108.244995,"end":108.744995,"confidence":0.7038362,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11903314292430878},{"word":"probably","start":109.125,"end":109.524994,"confidence":0.8236039,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1756206452846527},{"word":"not","start":109.524994,"end":109.685,"confidence":0.92177117,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17148253321647644},{"word":"gonna","start":109.685,"end":109.845,"confidence":0.9299476,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.13149641454219818},{"word":"be","start":109.845,"end":110.005,"confidence":0.9446732,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14353223145008087},{"word":"able","start":110.005,"end":110.125,"confidence":0.991597,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.12788879871368408},{"word":"to","start":110.125,"end":110.244995,"confidence":0.970358,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1586104929447174},{"word":"get","start":110.244995,"end":110.485,"confidence":0.99548066,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.13626064360141754},{"word":"a","start":110.485,"end":110.564995,"confidence":0.9849915,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1103520542383194},{"word":"house","start":110.564995,"end":110.805,"confidence":0.761096,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":-0.08957818150520325},{"word":"but","start":110.805,"end":111.305,"confidence":0.81803125,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.11184540390968324},{"word":"yeah","start":113.284996,"end":113.685,"confidence":0.9604184,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.12341004610061646},{"word":"things","start":113.685,"end":114.005,"confidence":0.96589404,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.1220550388097763},{"word":"like","start":114.005,"end":114.165,"confidence":0.8647022,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.14622078835964203},{"word":"that","start":114.165,"end":114.485,"confidence":0.9978148,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13850872218608856},{"word":"where","start":114.485,"end":114.985,"confidence":0.40300292,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.1276669800281525},{"word":"because","start":115.845,"end":116.16499,"confidence":0.9925224,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.12314561009407043},{"word":"i","start":116.16499,"end":116.244995,"confidence":0.99856466,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13509394228458405},{"word":"haven't","start":116.244995,"end":116.564995,"confidence":0.9990008,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.11169561743736268},{"word":"got","start":116.564995,"end":116.725,"confidence":0.9950352,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.15387442708015442},{"word":"a","start":116.725,"end":116.805,"confidence":0.97896,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1138109564781189},{"word":"house","start":116.805,"end":117.09,"confidence":0.82613164,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":-0.08185424655675888},{"word":"and","start":117.25,"end":117.75,"confidence":0.99964476,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07084360718727112},{"word":"that's","start":118.85,"end":119.09,"confidence":0.99874985,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.25880998373031616},{"word":"what","start":119.09,"end":119.25,"confidence":0.92708796,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.3502953052520752},{"word":"i","start":119.25,"end":119.409996,"confidence":0.9983272,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2992110848426819},{"word":"didn't","start":119.409996,"end":119.729996,"confidence":0.8225007,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.23656117916107175},{"word":"want","start":119.729996,"end":120.13,"confidence":0.920864,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":-0.1874508559703827},{"word":"but","start":120.13,"end":120.63,"confidence":0.7642497,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.0772310271859169},{"word":"yeah","start":122.92999,"end":123.329994,"confidence":0.91442394,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.0026294849812984467},{"word":"i'm","start":123.329994,"end":123.729996,"confidence":0.8130914,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.010853479616343977},{"word":"just","start":123.729996,"end":124.21,"confidence":0.90163845,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.009940654039382936},{"word":"wondering","start":124.21,"end":124.71,"confidence":0.7365217,"punctuated_word":"wondering,","sentiment":"neutral","sentiment_score":-0.04290026426315307},{"word":"you","start":125.729996,"end":125.96999,"confidence":0.96618617,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.060354650020599365},{"word":"know","start":125.96999,"end":126.369995,"confidence":0.9973495,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0541330985724926},{"word":"if","start":126.369995,"end":126.45,"confidence":0.9912583,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.045150063931941986},{"word":"i","start":126.45,"end":126.689995,"confidence":0.9990495,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07461567223072052},{"word":"can","start":126.689995,"end":127.09,"confidence":0.99942267,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.09512191265821456},{"word":"do","start":127.09,"end":127.329994,"confidence":0.9964211,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07893384248018265},{"word":"something","start":127.329994,"end":127.729996,"confidence":0.99592614,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.09259042888879776},{"word":"like","start":127.729996,"end":127.81,"confidence":0.89934576,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.16177619993686676},{"word":"that","start":127.81,"end":128.05,"confidence":0.8939289,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.08396485447883606},{"word":"but","start":128.05,"end":128.55,"confidence":0.819721,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.05006692558526993},{"word":"yeah","start":129.89,"end":130.20999,"confidence":0.99460316,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.05966130644083023},{"word":"that'd","start":130.20999,"end":130.53,"confidence":0.93509644,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":-0.09745436161756516},{"word":"be","start":130.53,"end":130.69,"confidence":0.99538016,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17837196588516235},{"word":"the","start":130.69,"end":130.76999,"confidence":0.998448,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16839830577373505},{"word":"only","start":130.76999,"end":131.17,"confidence":0.9990638,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.15165817737579346},{"word":"thing","start":131.17,"end":131.65,"confidence":0.9732295,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.07624191045761108},{"word":"and","start":131.65,"end":132.15,"confidence":0.9985668,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03054717928171158},{"word":"another","start":133.095,"end":133.575,"confidence":0.9890849,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.02835802733898163},{"word":"thing","start":133.575,"end":133.815,"confidence":0.9987606,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04756874218583107},{"word":"would","start":133.815,"end":134.135,"confidence":0.99763536,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04846734181046486},{"word":"be","start":134.135,"end":134.635,"confidence":0.99941266,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04599412903189659},{"word":"is","start":137.25499,"end":137.575,"confidence":0.36947867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.017729688435792923},{"word":"there","start":137.575,"end":137.735,"confidence":0.5997926,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04791949689388275},{"word":"can","start":137.815,"end":138.135,"confidence":0.99833053,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.026829492300748825},{"word":"you","start":138.135,"end":138.375,"confidence":0.99876773,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03917256370186806},{"word":"buy","start":138.375,"end":138.855,"confidence":0.9982951,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.026265308260917664},{"word":"a","start":138.855,"end":139.17499,"confidence":0.99941933,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05555637925863266},{"word":"house","start":139.17499,"end":139.67499,"confidence":0.99960333,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.04039086028933525},{"word":"within","start":139.815,"end":140.215,"confidence":0.98020977,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.025481481105089188},{"word":"your","start":140.215,"end":140.455,"confidence":0.9702187,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015239685773849487},{"word":"super","start":140.455,"end":140.955,"confidence":0.9053255,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":0.02826576679944992},{"word":"yep","start":155.18999,"end":155.68999,"confidence":0.781222,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.029522022232413292},{"word":"okay","start":169.085,"end":169.585,"confidence":0.98792493,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.1035272553563118},{"word":"yes","start":189.38501,"end":189.88501,"confidence":0.7803372,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.08706989884376526},{"word":"yeah","start":201.705,"end":202.02,"confidence":0.8307755,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005927182734012604},{"word":"yeah","start":206.34,"end":206.66,"confidence":0.9961052,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.035238347947597504},{"word":"yeah","start":206.66,"end":206.82,"confidence":0.99639136,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.031953565776348114},{"word":"yeah","start":206.82,"end":207.06,"confidence":0.980191,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.041382454335689545},{"word":"i","start":207.06,"end":207.22,"confidence":0.96500957,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07962388545274734},{"word":"thought","start":207.22,"end":207.46,"confidence":0.9795527,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.08869128674268723},{"word":"there","start":207.46,"end":207.62001,"confidence":0.91574514,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.09568364918231964},{"word":"was","start":207.62001,"end":207.78,"confidence":0.7407781,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10566749423742294},{"word":"some","start":207.78,"end":208.26001,"confidence":0.8185451,"punctuated_word":"some,","sentiment":"neutral","sentiment_score":-0.08389007300138474},{"word":"yeah","start":208.26001,"end":208.76001,"confidence":0.8950472,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.08995042741298676},{"word":"rules","start":209.06,"end":209.54001,"confidence":0.8749604,"punctuated_word":"rules.","sentiment":"neutral","sentiment_score":-0.1116395816206932},{"word":"yeah","start":209.54001,"end":209.86,"confidence":0.9623096,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03715822845697403},{"word":"alright","start":209.86,"end":210.36,"confidence":0.9177973,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.0010040986817330122},{"word":"yes","start":228.575,"end":228.96,"confidence":0.74770176,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.18447592854499817},{"word":"yes","start":239.12001,"end":239.62001,"confidence":0.9118426,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0959431380033493},{"word":"yeah","start":264.58,"end":265.08,"confidence":0.668313,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04164918139576912},{"word":"well","start":272.885,"end":273.385,"confidence":0.78645736,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.03095458447933197},{"word":"yeah","start":273.605,"end":274.105,"confidence":0.7840234,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04880494996905327},{"word":"i","start":274.965,"end":275.045,"confidence":0.9275659,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10013161599636078},{"word":"don't","start":275.045,"end":275.285,"confidence":0.9768518,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10185392946004868},{"word":"know","start":275.285,"end":275.765,"confidence":0.92151797,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.11169923841953278},{"word":"probably","start":275.765,"end":276.265,"confidence":0.62885803,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.09689079970121384},{"word":"probably","start":277.125,"end":277.605,"confidence":0.9693215,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.20566296577453613},{"word":"not","start":277.605,"end":277.845,"confidence":0.995061,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18476833403110504},{"word":"because","start":277.845,"end":278.085,"confidence":0.6613973,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.17788732051849365},{"word":"i'm","start":278.085,"end":278.245,"confidence":0.9732907,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.28484565019607544},{"word":"i","start":278.325,"end":278.565,"confidence":0.9980755,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3586024343967438},{"word":"i","start":278.565,"end":278.805,"confidence":0.6617441,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.36638766527175903},{"word":"do","start":278.805,"end":278.965,"confidence":0.9818839,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.3040006160736084},{"word":"know","start":278.965,"end":279.205,"confidence":0.89758885,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.33308953046798706},{"word":"i'm","start":279.205,"end":279.365,"confidence":0.95549345,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.405176043510437},{"word":"not","start":279.365,"end":279.445,"confidence":0.9778386,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.46064311265945435},{"word":"gonna","start":279.445,"end":279.685,"confidence":0.97003806,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4492572546005249},{"word":"have","start":279.685,"end":279.845,"confidence":0.9953532,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.42779579758644104},{"word":"enough","start":279.845,"end":280.345,"confidence":0.99819016,"punctuated_word":"enough.","sentiment":"negative","sentiment_score":-0.3779491782188415},{"word":"that's","start":282.485,"end":282.965,"confidence":0.95491976,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2353069484233856},{"word":"that's","start":282.965,"end":283.205,"confidence":0.9988698,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.20727264881134033},{"word":"the","start":283.205,"end":283.445,"confidence":0.85364646,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18447965383529663},{"word":"thing","start":283.445,"end":283.685,"confidence":0.8520841,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":-0.15071246027946472},{"word":"but","start":283.685,"end":283.925,"confidence":0.99539053,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14163291454315186},{"word":"i","start":283.925,"end":284.085,"confidence":0.9959657,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24290530383586884},{"word":"just","start":284.085,"end":284.585,"confidence":0.94409764,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2399415522813797},{"word":"well","start":285.365,"end":285.865,"confidence":0.9075805,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.22506240010261536},{"word":"i","start":286.03998,"end":286.12,"confidence":0.9750973,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3034304678440094},{"word":"wouldn't","start":286.12,"end":286.36,"confidence":0.848046,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.23463022708892825},{"word":"like","start":286.36,"end":286.75998,"confidence":0.7130522,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2347547709941864},{"word":"a","start":286.75998,"end":286.91998,"confidence":0.63970673,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25337404012680054},{"word":"house","start":286.91998,"end":287.24,"confidence":0.78529495,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":-0.2229147702455521},{"word":"but","start":287.24,"end":287.74,"confidence":0.9927925,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11882948875427246},{"word":"to","start":288.28,"end":288.52,"confidence":0.5671012,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.052480317652225494},{"word":"to","start":288.52,"end":288.68,"confidence":0.9901933,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05319628864526749},{"word":"live","start":288.68,"end":288.91998,"confidence":0.889542,"punctuated_word":"live","sentiment":"neutral","sentiment_score":-0.0615043006837368},{"word":"in","start":288.91998,"end":289.41998,"confidence":0.99800974,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06711789965629578},{"word":"or","start":289.63998,"end":289.88,"confidence":0.80916035,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07635825872421265},{"word":"or","start":289.88,"end":289.96,"confidence":0.87459636,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08747498691082001},{"word":"something","start":289.96,"end":290.46,"confidence":0.8105944,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.12122036516666412},{"word":"but","start":290.52,"end":291.02,"confidence":0.98516095,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.14910613000392914},{"word":"yeah","start":292.12,"end":292.62,"confidence":0.99459434,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1982797086238861},{"word":"i","start":292.75998,"end":293.25998,"confidence":0.3998071,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2838248610496521},{"word":"know","start":293.8,"end":293.96,"confidence":0.9406277,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.33518821001052856},{"word":"i'm","start":293.96,"end":294.12,"confidence":0.9945635,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.39947080612182617},{"word":"not","start":294.12,"end":294.28,"confidence":0.9543683,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4720330834388733},{"word":"gonna","start":294.28,"end":294.52,"confidence":0.98857355,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.44660449028015137},{"word":"have","start":294.52,"end":294.68,"confidence":0.99822444,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4244745671749115},{"word":"enough","start":294.68,"end":295.18,"confidence":0.8887718,"punctuated_word":"enough.","sentiment":"negative","sentiment_score":-0.37764838337898254},{"word":"so","start":295.4,"end":295.9,"confidence":0.7310697,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1732412725687027},{"word":"anyway","start":297.88,"end":298.36,"confidence":0.7361527,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.17756089568138125},{"word":"yeah","start":298.36,"end":298.59998,"confidence":0.9972069,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0980340987443924},{"word":"that's","start":298.59998,"end":298.91998,"confidence":0.9993324,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.09087201207876204},{"word":"that's","start":298.91998,"end":299.235,"confidence":0.9974265,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05169278010725975},{"word":"where","start":299.395,"end":299.555,"confidence":0.9734737,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.047829583287239075},{"word":"i'm","start":299.555,"end":299.715,"confidence":0.9964981,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05042816326022148},{"word":"at","start":299.715,"end":300.215,"confidence":0.99789083,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":-0.039581168442964554},{"word":"yeah","start":312.435,"end":312.835,"confidence":0.9437967,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027401193976402283},{"word":"yeah","start":312.835,"end":313.07498,"confidence":0.9974278,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02878071554005146},{"word":"that's","start":313.07498,"end":313.44,"confidence":0.9898654,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.01741597428917885},{"word":"yeah","start":313.68,"end":314.18,"confidence":0.9948125,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03919234126806259},{"word":"that's","start":326.08002,"end":326.4,"confidence":0.85703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09281518310308456},{"word":"right","start":326.4,"end":326.72,"confidence":0.9327773,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.11056221276521684},{"word":"yeah","start":326.72,"end":326.895,"confidence":0.9073545,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13290968537330627},{"word":"yeah","start":351.41,"end":351.65,"confidence":0.86280155,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08839552849531174},{"word":"i","start":351.65,"end":351.81,"confidence":0.90697694,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0975247174501419},{"word":"can","start":351.81,"end":352.31,"confidence":0.98635036,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08757098019123077},{"word":"have","start":352.37,"end":352.61,"confidence":0.98199236,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09082236140966415},{"word":"a","start":352.61,"end":352.69,"confidence":0.9975447,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0929902195930481},{"word":"look","start":352.69,"end":352.85,"confidence":0.9996125,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08303394913673401},{"word":"later","start":352.85,"end":353.35,"confidence":0.9919213,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.12507903575897217},{"word":"yeah","start":363.33502,"end":363.655,"confidence":0.9921978,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08215765655040741},{"word":"that's","start":363.655,"end":364.05502,"confidence":0.99709696,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15003886818885803},{"word":"right","start":364.05502,"end":364.55502,"confidence":0.99755085,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.16579419374465942},{"word":"yes","start":399.08002,"end":399.58002,"confidence":0.9171632,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12149283289909364},{"word":"yeah","start":416.995,"end":417.495,"confidence":0.8747453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2705586552619934},{"word":"yes","start":486.53,"end":487.03,"confidence":0.9962791,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3743051290512085},{"word":"a","start":585.45496,"end":585.615,"confidence":0.91454965,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.07763416320085526},{"word":"little","start":585.615,"end":585.935,"confidence":0.9894477,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0812063068151474},{"word":"bit","start":585.935,"end":586.175,"confidence":0.7758903,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.08406476676464081},{"word":"but","start":586.175,"end":586.33496,"confidence":0.64589596,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.10346952825784685},{"word":"you","start":586.33496,"end":586.495,"confidence":0.64877343,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12774117290973663},{"word":"know","start":586.495,"end":586.735,"confidence":0.99793005,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.13024142384529114},{"word":"i'd","start":586.735,"end":586.815,"confidence":0.92808867,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.1592385172843933},{"word":"i'd","start":586.815,"end":587.295,"confidence":0.94695747,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.16185423731803894},{"word":"like","start":587.295,"end":587.795,"confidence":0.8829279,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11370246857404707},{"word":"to","start":588.175,"end":588.415,"confidence":0.9966312,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09911829233169556},{"word":"do","start":588.415,"end":588.57495,"confidence":0.99324155,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08729542046785355},{"word":"a","start":588.57495,"end":588.65497,"confidence":0.99156356,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.100584015250206},{"word":"lot","start":588.65497,"end":588.89496,"confidence":0.9958656,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.10344591736793518},{"word":"more","start":588.89496,"end":589.295,"confidence":0.99234855,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.07080817222595215},{"word":"i","start":589.295,"end":589.535,"confidence":0.99292046,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06463884562253952},{"word":"just","start":589.535,"end":590.035,"confidence":0.9875854,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04235648363828659},{"word":"probably","start":590.89496,"end":591.21497,"confidence":0.6243996,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.08453390747308731},{"word":"don't","start":591.21497,"end":591.45496,"confidence":0.78892,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.25552693009376526},{"word":"get","start":591.45496,"end":591.95496,"confidence":0.9724701,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.22708354890346527},{"word":"enough","start":592.33496,"end":592.83496,"confidence":0.5615608,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":-0.2236529290676117},{"word":"to","start":592.975,"end":593.475,"confidence":0.9852651,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20655398070812225},{"word":"do","start":594.65497,"end":594.735,"confidence":0.4842847,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1999882161617279},{"word":"yeah","start":596.96,"end":597.2,"confidence":0.9821892,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07065538316965103},{"word":"i","start":597.2,"end":597.28,"confidence":0.34608325,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.031894419342279434},{"word":"want","start":597.28,"end":597.56006,"confidence":0.3070808,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04099185764789581},{"word":"to","start":597.56006,"end":597.84,"confidence":0.72547567,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.036622464656829834},{"word":"learn","start":597.84,"end":598.0,"confidence":0.95786923,"punctuated_word":"learn","sentiment":"neutral","sentiment_score":0.04854663833975792},{"word":"a","start":598.0,"end":598.24,"confidence":0.9214953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.047781795263290405},{"word":"bit","start":598.24,"end":598.4,"confidence":0.97266036,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02753649279475212},{"word":"more","start":598.4,"end":598.9,"confidence":0.52815616,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05402601510286331},{"word":"about","start":599.12,"end":599.36,"confidence":0.91344494,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0774015337228775},{"word":"it","start":599.36,"end":599.86,"confidence":0.7088374,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.05653960257768631},{"word":"but","start":600.0,"end":600.5,"confidence":0.9898858,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02697175182402134},{"word":"yeah","start":600.72003,"end":601.12,"confidence":0.989496,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02716890722513199},{"word":"not","start":601.12,"end":601.36,"confidence":0.8332388,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2924557030200958},{"word":"enough","start":601.36,"end":601.86,"confidence":0.9954386,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":-0.20350489020347595},{"word":"yeah","start":700.065,"end":700.385,"confidence":0.8255715,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08890122175216675},{"word":"yeah","start":700.385,"end":700.785,"confidence":0.9967819,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08933976292610168},{"word":"yeah","start":700.785,"end":701.105,"confidence":0.98290527,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0952422171831131},{"word":"it","start":701.105,"end":701.345,"confidence":0.6942641,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.08293166756629944},{"word":"does","start":701.345,"end":701.665,"confidence":0.9691999,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.12435002624988556},{"word":"that's","start":701.665,"end":702.065,"confidence":0.8155821,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10224282741546632},{"word":"that's","start":702.065,"end":702.565,"confidence":0.81851196,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08808958530426025},{"word":"yeah","start":703.745,"end":704.245,"confidence":0.9877273,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10080012679100037},{"word":"that's","start":704.705,"end":705.02496,"confidence":0.9954825,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.109882652759552},{"word":"what","start":705.02496,"end":705.265,"confidence":0.957328,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09497350454330444},{"word":"i","start":705.265,"end":705.345,"confidence":0.99201983,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07769188284873962},{"word":"need","start":705.345,"end":705.58496,"confidence":0.8382736,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0653342455625534},{"word":"on","start":705.58496,"end":705.745,"confidence":0.47950304,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.028613902628421783},{"word":"because","start":705.745,"end":706.245,"confidence":0.9802414,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.01573009416460991},{"word":"i","start":706.46497,"end":706.545,"confidence":0.9750176,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04904991388320923},{"word":"i","start":706.545,"end":706.625,"confidence":0.80875045,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06083931028842926},{"word":"feel","start":706.625,"end":706.865,"confidence":0.36568624,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.05454721301794052},{"word":"like","start":706.865,"end":707.02496,"confidence":0.8003003,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06517460942268372},{"word":"i","start":707.02496,"end":707.185,"confidence":0.82047534,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1502005010843277},{"word":"keep","start":707.185,"end":707.425,"confidence":0.7582489,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.21365986764431},{"word":"wondering","start":707.425,"end":707.90497,"confidence":0.9969312,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.17209254205226898},{"word":"whether","start":707.90497,"end":708.305,"confidence":0.9960691,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.22061046957969663},{"word":"i","start":708.305,"end":708.70496,"confidence":0.9784363,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21482674777507785},{"word":"you","start":709.105,"end":709.265,"confidence":0.27293432,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23035861551761627},{"word":"should","start":709.265,"end":709.505,"confidence":0.98966813,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.2072676718235016},{"word":"be","start":709.505,"end":709.58496,"confidence":0.9947069,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.21769005060195923},{"word":"doing","start":709.58496,"end":709.90497,"confidence":0.99884653,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.20027509331703183},{"word":"something","start":709.90497,"end":710.40497,"confidence":0.88267,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.23864835500717163},{"word":"different","start":711.105,"end":711.425,"confidence":0.99774027,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.2606523036956787},{"word":"or","start":711.425,"end":711.58496,"confidence":0.9152344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1479473114013672},{"word":"better","start":711.58496,"end":711.985,"confidence":0.9979792,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.15424364805221558},{"word":"or","start":711.985,"end":712.225,"confidence":0.9929074,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11684431880712508},{"word":"more","start":712.225,"end":712.725,"confidence":0.99965286,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.19151976704597473},{"word":"to","start":713.17004,"end":713.67004,"confidence":0.9874083,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13223391771316528},{"word":"not","start":714.69,"end":714.85004,"confidence":0.70585954,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17263591289520264},{"word":"knowing","start":714.85004,"end":715.17004,"confidence":0.972984,"punctuated_word":"knowing","sentiment":"neutral","sentiment_score":-0.21914798021316528},{"word":"how","start":715.17004,"end":715.33,"confidence":0.99777585,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.18339085578918457},{"word":"much","start":715.33,"end":715.57,"confidence":0.99914634,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1893466114997864},{"word":"i'll","start":715.57,"end":715.81,"confidence":0.9744829,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.2619422376155853},{"word":"need","start":715.81,"end":715.97003,"confidence":0.9426048,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":-0.17784520983695984},{"word":"of","start":715.97003,"end":716.13,"confidence":0.9995622,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16706661880016327},{"word":"course","start":716.13,"end":716.37,"confidence":0.90550184,"punctuated_word":"course,","sentiment":"neutral","sentiment_score":-0.11301890760660172},{"word":"but","start":716.37,"end":716.53,"confidence":0.99243283,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1858178824186325},{"word":"obviously","start":716.53,"end":716.85004,"confidence":0.6126415,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.2256007194519043},{"word":"a","start":716.85004,"end":716.93,"confidence":0.52757734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25971680879592896},{"word":"lot","start":716.93,"end":717.09,"confidence":0.9990237,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.2408205270767212},{"word":"more","start":717.09,"end":717.33,"confidence":0.99911517,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1800212562084198},{"word":"than","start":717.33,"end":717.49,"confidence":0.9745135,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.28988415002822876},{"word":"i've","start":717.49,"end":717.65,"confidence":0.99638844,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2327229380607605},{"word":"got","start":717.65,"end":717.97003,"confidence":0.9249662,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":-0.0782618299126625},{"word":"so","start":717.97003,"end":718.47003,"confidence":0.87613016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.021793998777866364},{"word":"yeah","start":719.5,"end":720.0,"confidence":0.9834434,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05341801792383194},{"word":"now","start":730.135,"end":730.455,"confidence":0.8308207,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.14868661761283877},{"word":"would","start":730.455,"end":730.615,"confidence":0.78479826,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10813330113887788},{"word":"be","start":730.615,"end":730.775,"confidence":0.99787164,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08260894566774368},{"word":"good","start":730.775,"end":731.09503,"confidence":0.9026673,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":-0.10801762342453004},{"word":"but","start":731.09503,"end":731.59503,"confidence":0.99547017,"punctuated_word":"but","sentiment":"negative","sentiment_score":-0.3515035808086395},{"word":"that","start":733.815,"end":733.97504,"confidence":0.70885926,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.6528971195220947},{"word":"ain't","start":733.97504,"end":734.135,"confidence":0.9954208,"punctuated_word":"ain't","sentiment":"negative","sentiment_score":-0.5723196864128113},{"word":"gonna","start":734.135,"end":734.375,"confidence":0.9915131,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.5005292296409607},{"word":"happen","start":734.375,"end":734.875,"confidence":0.9911331,"punctuated_word":"happen.","sentiment":"negative","sentiment_score":-0.3769282102584839},{"word":"yeah","start":738.135,"end":738.635,"confidence":0.96961963,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12701216340065002},{"word":"well","start":738.855,"end":739.355,"confidence":0.97500485,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.1684713214635849},{"word":"i","start":740.07996,"end":740.24,"confidence":0.89154345,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22401250898838043},{"word":"don't","start":740.24,"end":740.52,"confidence":0.68157864,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19416865706443787},{"word":"yeah","start":740.8,"end":741.12,"confidence":0.8992493,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.21083760261535645},{"word":"as","start":741.12,"end":741.27997,"confidence":0.60364556,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.24316030740737915},{"word":"soon","start":741.27997,"end":741.51996,"confidence":0.9997167,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.280697762966156},{"word":"as","start":741.51996,"end":741.68,"confidence":0.999308,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.29078084230422974},{"word":"possible","start":741.68,"end":742.07996,"confidence":0.79235184,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":-0.2250610888004303},{"word":"but","start":742.07996,"end":742.39996,"confidence":0.82660544,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.19176876544952393},{"word":"yeah","start":742.39996,"end":742.89996,"confidence":0.94188654,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.23736807703971863},{"word":"as","start":743.04,"end":743.27997,"confidence":0.9483157,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2715221047401428},{"word":"much","start":743.27997,"end":743.44,"confidence":0.9994716,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.23200829327106476},{"word":"as","start":743.44,"end":743.6,"confidence":0.97894543,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.26811549067497253},{"word":"i","start":743.6,"end":743.76,"confidence":0.9970372,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.31267234683036804},{"word":"gotta","start":743.76,"end":743.92,"confidence":0.8949989,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.31720054149627686},{"word":"do","start":743.92,"end":744.16,"confidence":0.97772884,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.31160590052604675},{"word":"i've","start":744.16,"end":744.32,"confidence":0.8705776,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.32840871810913086},{"word":"gotta","start":744.32,"end":744.56,"confidence":0.85891336,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.28910404443740845},{"word":"take","start":744.56,"end":744.8,"confidence":0.93167233,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.26300010085105896},{"word":"down","start":744.8,"end":745.12,"confidence":0.83244395,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.21288394927978516},{"word":"i","start":745.12,"end":745.2,"confidence":0.9921321,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20072290301322937},{"word":"guess","start":745.2,"end":745.7,"confidence":0.98625535,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.20743003487586975},{"word":"and","start":748.56,"end":748.8,"confidence":0.4599676,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.006284184753894806},{"word":"because","start":748.8,"end":749.3,"confidence":0.6671704,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.028028249740600582},{"word":"oh","start":751.44,"end":751.6,"confidence":0.6668602,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.1670898795127869},{"word":"it's","start":751.6,"end":751.83997,"confidence":0.7201695,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1524519920349121},{"word":"alright","start":751.83997,"end":752.32,"confidence":0.81956226,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.07470703125},{"word":"because","start":752.32,"end":752.72,"confidence":0.9386311,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.14668308198451996},{"word":"i","start":752.72,"end":753.04,"confidence":0.99553514,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22510987520217896},{"word":"i","start":753.04,"end":753.2,"confidence":0.96969867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24070952832698825},{"word":"don't","start":753.2,"end":753.7,"confidence":0.957618,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2194608449935913},{"word":"i","start":754.155,"end":754.655,"confidence":0.9884057,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.325826495885849},{"word":"don't","start":755.03503,"end":755.275,"confidence":0.97575784,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.23762409389019012},{"word":"do","start":755.275,"end":755.43506,"confidence":0.99201596,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.25334495306015015},{"word":"a","start":755.43506,"end":755.59503,"confidence":0.9954645,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2089208960533142},{"word":"lot","start":755.59503,"end":755.755,"confidence":0.9996817,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.20836393535137177},{"word":"of","start":755.755,"end":756.255,"confidence":0.99732697,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2362174540758133},{"word":"work","start":757.43506,"end":757.835,"confidence":0.9341653,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.24393564462661743},{"word":"and","start":757.835,"end":757.99506,"confidence":0.525203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24398013949394223},{"word":"stuff","start":757.99506,"end":758.315,"confidence":0.93238014,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.2316586077213287},{"word":"like","start":758.315,"end":758.815,"confidence":0.7831917,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.21022085845470428},{"word":"midweek","start":759.11505,"end":759.61505,"confidence":0.52220416,"punctuated_word":"midweek","sentiment":"neutral","sentiment_score":-0.13041359186172485},{"word":"stuff","start":759.67505,"end":759.99506,"confidence":0.99387,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.13479387760162354},{"word":"online","start":759.99506,"end":760.49506,"confidence":0.6593766,"punctuated_word":"online,","sentiment":"neutral","sentiment_score":-0.12507392466068268},{"word":"casual","start":761.43506,"end":761.91504,"confidence":0.5734399,"punctuated_word":"casual,","sentiment":"neutral","sentiment_score":-0.09687592089176178},{"word":"and","start":761.91504,"end":761.99506,"confidence":0.36758986,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14628297090530396},{"word":"do","start":761.99506,"end":762.23505,"confidence":0.47204772,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.17171892523765564},{"word":"the","start":762.23505,"end":762.395,"confidence":0.5827682,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15334972739219666},{"word":"weekends","start":762.395,"end":762.79504,"confidence":0.97747725,"punctuated_word":"weekends","sentiment":"neutral","sentiment_score":-0.0873875692486763},{"word":"and","start":762.79504,"end":763.03503,"confidence":0.96864444,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2100423276424408},{"word":"stuff","start":763.03503,"end":763.275,"confidence":0.9274086,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":-0.2292548418045044},{"word":"so","start":763.275,"end":763.43506,"confidence":0.989,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2801062762737274},{"word":"i","start":763.43506,"end":763.59503,"confidence":0.9636688,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.432189017534256},{"word":"do","start":763.59503,"end":764.09503,"confidence":0.97074944,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.35228145122528076},{"word":"miss","start":764.155,"end":764.395,"confidence":0.7886205,"punctuated_word":"miss","sentiment":"negative","sentiment_score":-0.42238008975982666},{"word":"out","start":764.395,"end":764.635,"confidence":0.95094573,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.3555990755558014},{"word":"on","start":764.635,"end":764.79504,"confidence":0.98456717,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.4314405024051666},{"word":"a","start":764.79504,"end":764.955,"confidence":0.9051509,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4223393201828003},{"word":"fair","start":764.955,"end":765.275,"confidence":0.4913259,"punctuated_word":"fair","sentiment":"negative","sentiment_score":-0.3731589913368225},{"word":"bit","start":765.275,"end":765.515,"confidence":0.99513453,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3646328449249267},{"word":"of","start":765.515,"end":765.835,"confidence":0.9829427,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.44202351570129395},{"word":"super","start":765.835,"end":766.155,"confidence":0.8655369,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.296342134475708},{"word":"i","start":766.155,"end":766.23505,"confidence":0.9934418,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2752842903137207},{"word":"would","start":766.23505,"end":766.55505,"confidence":0.99803096,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2418081760406494},{"word":"say","start":766.55505,"end":767.05505,"confidence":0.9218999,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":-0.2843519449234009},{"word":"so","start":768.04004,"end":768.54004,"confidence":0.8382178,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17543770372867584},{"word":"so","start":768.68,"end":769.0,"confidence":0.80692786,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.1952608823776245},{"word":"yeah","start":769.0,"end":769.32,"confidence":0.9827914,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.205030620098114},{"word":"that's","start":769.32,"end":769.56,"confidence":0.99912095,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.25114595890045166},{"word":"why","start":769.56,"end":769.8,"confidence":0.93720615,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.17361387610435486},{"word":"i'm","start":769.8,"end":770.3,"confidence":0.98688126,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.36175841093063354},{"word":"probably","start":770.44,"end":770.94,"confidence":0.9905414,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.385964035987854},{"word":"struggling","start":772.28,"end":772.78,"confidence":0.94377816,"punctuated_word":"struggling","sentiment":"negative","sentiment_score":-0.40919098258018494},{"word":"a","start":772.84,"end":773.0,"confidence":0.9911699,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4339005947113037},{"word":"bit","start":773.0,"end":773.24,"confidence":0.9981501,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3652426302433014},{"word":"to","start":773.24,"end":773.74,"confidence":0.9948626,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.43192821741104126},{"word":"get","start":773.88,"end":774.38,"confidence":0.9753239,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.40404945611953735},{"word":"that","start":775.24,"end":775.4,"confidence":0.9805822,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3032992482185364},{"word":"account","start":775.4,"end":775.72003,"confidence":0.3330762,"punctuated_word":"account","sentiment":"negative","sentiment_score":-0.4027158319950104},{"word":"a","start":775.72003,"end":775.8,"confidence":0.94194216,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.28509169816970825},{"word":"bit","start":775.8,"end":776.04004,"confidence":0.9764563,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2078416347503662},{"word":"more","start":776.04004,"end":776.54004,"confidence":0.99489534,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.2880015969276428},{"word":"this","start":778.52,"end":779.02,"confidence":0.76808465,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.042272016406059265},{"word":"last","start":779.56,"end":780.045,"confidence":0.9640021,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.039698511362075806},{"word":"three","start":780.285,"end":780.445,"confidence":0.9896086,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.003234073519706726},{"word":"weeks","start":780.445,"end":780.76495,"confidence":0.8103885,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.026908617466688156},{"word":"i've","start":780.76495,"end":781.08496,"confidence":0.99458295,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.010212920606136322},{"word":"done","start":781.08496,"end":781.58496,"confidence":0.9811112,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.007062755525112152},{"word":"been","start":782.445,"end":782.685,"confidence":0.8188598,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.0050528571009635925},{"word":"doing","start":782.685,"end":782.925,"confidence":0.99410087,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.011985816061496736},{"word":"a","start":782.925,"end":783.005,"confidence":0.597982,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017184574156999588},{"word":"bit","start":783.005,"end":783.245,"confidence":0.8796473,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.002746894955635071},{"word":"extra","start":783.245,"end":783.40497,"confidence":0.98003834,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.06215173006057739},{"word":"because","start":783.40497,"end":783.90497,"confidence":0.8372092,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.012635380029678345},{"word":"the","start":785.565,"end":785.685,"confidence":0.6431078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04826126247644424},{"word":"the","start":785.685,"end":785.805,"confidence":0.48707572,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0441143736243248},{"word":"last","start":785.805,"end":786.045,"confidence":0.9078126,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.013279825448989868},{"word":"three","start":786.045,"end":786.285,"confidence":0.5091844,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.010274328291416168},{"word":"weeks","start":786.285,"end":786.785,"confidence":0.35704738,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":-0.028435520827770233},{"word":"i","start":786.925,"end":787.245,"confidence":0.602121,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.038799479603767395},{"word":"have","start":787.245,"end":787.485,"confidence":0.8375002,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.047976650297641754},{"word":"been","start":787.485,"end":787.64496,"confidence":0.99537647,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0291430726647377},{"word":"doing","start":787.64496,"end":787.885,"confidence":0.99717844,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.03419296443462372},{"word":"a","start":787.885,"end":787.96497,"confidence":0.8725192,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005130745470523834},{"word":"bit","start":787.96497,"end":788.125,"confidence":0.9988368,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02118920534849167},{"word":"extra","start":788.125,"end":788.445,"confidence":0.78501403,"punctuated_word":"extra,","sentiment":"neutral","sentiment_score":-0.034588731825351715},{"word":"but","start":788.445,"end":788.945,"confidence":0.9958793,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.005167461931705475},{"word":"i'm","start":791.165,"end":791.245,"confidence":0.8230362,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07628211379051208},{"word":"just","start":791.245,"end":791.485,"confidence":0.99886405,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1059647649526596},{"word":"trying","start":791.485,"end":791.725,"confidence":0.988886,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.08453024178743362},{"word":"to","start":791.725,"end":791.805,"confidence":0.9943777,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08848410099744797},{"word":"find","start":791.805,"end":792.305,"confidence":0.99933904,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.10210574418306352},{"word":"a","start":792.605,"end":792.76495,"confidence":0.9504217,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11134137958288191},{"word":"a","start":792.76495,"end":792.845,"confidence":0.71595204,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11578212678432465},{"word":"nice","start":792.845,"end":793.165,"confidence":0.58592224,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.2099297940731049},{"word":"balance","start":793.165,"end":793.665,"confidence":0.76728934,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.07103917747735977},{"word":"work","start":796.41003,"end":796.57,"confidence":0.93837374,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.03686695918440819},{"word":"life","start":796.57,"end":796.89,"confidence":0.77924037,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.04387884587049484},{"word":"balance","start":796.89,"end":797.29004,"confidence":0.99924266,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.010777100920677183},{"word":"sort","start":797.29004,"end":797.45,"confidence":0.9323198,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.019487515091896057},{"word":"of","start":797.45,"end":797.61,"confidence":0.9940035,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02588774263858795},{"word":"in","start":797.61,"end":797.85004,"confidence":0.6055265,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017423734068870544},{"word":"there","start":797.85004,"end":798.17,"confidence":0.81615615,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.020868267863988876},{"word":"it's","start":798.17,"end":798.65,"confidence":0.6525991,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03293190896511078},{"word":"it","start":798.89,"end":799.13,"confidence":0.4380955,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005126550793647766},{"word":"it","start":799.13,"end":799.37,"confidence":0.90615916,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04801078885793686},{"word":"in","start":799.61,"end":799.85004,"confidence":0.90316993,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03295391798019409},{"word":"one","start":799.85004,"end":800.09,"confidence":0.9495568,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.00124262273311615},{"word":"way","start":800.09,"end":800.41003,"confidence":0.93131375,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.04776537045836449},{"word":"it","start":800.41003,"end":800.65,"confidence":0.99730814,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07912827283143997},{"word":"does","start":800.65,"end":801.15,"confidence":0.9928819,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.06478714942932129},{"word":"affecting","start":802.65,"end":803.15,"confidence":0.7237572,"punctuated_word":"affecting","sentiment":"neutral","sentiment_score":-0.03139179199934006},{"word":"in","start":803.37,"end":803.53,"confidence":0.686503,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07903016358613968},{"word":"other","start":803.53,"end":803.77,"confidence":0.9317744,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.050175391137599945},{"word":"ways","start":803.77,"end":804.01,"confidence":0.733272,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":-0.08089446276426315},{"word":"with","start":804.01,"end":804.17,"confidence":0.94653213,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0922289341688156},{"word":"my","start":804.17,"end":804.41003,"confidence":0.9855194,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0507282018661499},{"word":"super","start":804.41003,"end":804.65,"confidence":0.575043,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.008896559476852417},{"word":"and","start":804.65,"end":804.89,"confidence":0.8964883,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04551070928573608},{"word":"stuff","start":804.89,"end":805.13,"confidence":0.8650897,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":-0.026946011930704117},{"word":"so","start":805.13,"end":805.53,"confidence":0.93059444,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02156488597393036},{"word":"it's","start":805.53,"end":805.85004,"confidence":0.7357704,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.006099750753492117},{"word":"a","start":805.85004,"end":805.93,"confidence":0.4297835,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010343343950808048},{"word":"yeah","start":806.81,"end":807.31,"confidence":0.9899181,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08857602626085281},{"word":"yeah","start":822.2,"end":822.52,"confidence":0.981751,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1337536871433258},{"word":"yeah","start":822.52,"end":822.76,"confidence":0.9042038,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15487851202487946},{"word":"i","start":822.76,"end":822.84,"confidence":0.64115846,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19351671636104584},{"word":"have","start":822.84,"end":823.0,"confidence":0.859134,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21070265769958496},{"word":"it","start":823.0,"end":823.08,"confidence":0.7084007,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1902749240398407},{"word":"i","start":823.08,"end":823.32,"confidence":0.4299156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23746174573898315},{"word":"have","start":823.32,"end":823.57,"confidence":0.9390272,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2775940001010895},{"word":"it","start":823.57,"end":824.07,"confidence":0.5624306,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.23799563944339752},{"word":"yep","start":901.195,"end":901.695,"confidence":0.9206311,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1016983836889267},{"word":"yeah","start":902.475,"end":902.875,"confidence":0.9760219,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024174176156520844},{"word":"yeah","start":902.875,"end":903.115,"confidence":0.99355006,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017479848116636276},{"word":"i'm","start":903.115,"end":903.355,"confidence":0.90301824,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02611117623746395},{"word":"sorry","start":903.355,"end":903.595,"confidence":0.866153,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.06411221623420715},{"word":"i","start":903.595,"end":903.675,"confidence":0.43427074,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06740822643041611},{"word":"wanna","start":903.675,"end":903.745,"confidence":0.866458,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.04875847324728966},{"word":"yeah","start":903.995,"end":904.495,"confidence":0.97018087,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0009657926857471466},{"word":"yeah","start":904.635,"end":905.135,"confidence":0.88969934,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16674669086933136},{"word":"you","start":937.22,"end":937.54,"confidence":0.8280448,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.12529554963111875},{"word":"know","start":937.54,"end":937.77997,"confidence":0.88986385,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.12147076427936554},{"word":"do","start":937.77997,"end":938.01996,"confidence":0.918676,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.14328503608703613},{"word":"you","start":938.01996,"end":938.1,"confidence":0.99701035,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13922393321990967},{"word":"really","start":938.1,"end":938.42,"confidence":0.9926536,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.12140063941478728},{"word":"i","start":940.57996,"end":940.69995,"confidence":0.9426972,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2239774465560913},{"word":"i","start":940.69995,"end":940.81995,"confidence":0.26977998,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2631158232688904},{"word":"was","start":940.81995,"end":940.89996,"confidence":0.5767755,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2710380554199219},{"word":"gonna","start":940.89996,"end":941.13995,"confidence":0.65719116,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.28144532442092896},{"word":"be","start":941.13995,"end":941.3,"confidence":0.99643576,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3350011706352234},{"word":"worried","start":941.3,"end":941.69995,"confidence":0.98962224,"punctuated_word":"worried","sentiment":"negative","sentiment_score":-0.34303754568099976},{"word":"because","start":941.69995,"end":942.19995,"confidence":0.9421498,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.26975223422050476},{"word":"i","start":942.98,"end":943.22,"confidence":0.923879,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.30197325348854065},{"word":"don't","start":943.22,"end":943.45996,"confidence":0.9961652,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.3314701318740845},{"word":"know","start":943.45996,"end":943.69995,"confidence":0.99622166,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.3820151388645172},{"word":"well","start":946.18,"end":946.33997,"confidence":0.9248628,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.3217686414718628},{"word":"i","start":946.33997,"end":946.42,"confidence":0.5750193,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.31686854362487793},{"word":"don't","start":946.42,"end":946.57996,"confidence":0.7787235,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.273987740278244},{"word":"know","start":946.57996,"end":946.74,"confidence":0.54048896,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.11079934239387512},{"word":"for","start":946.74,"end":946.89996,"confidence":0.5357398,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.013421909883618357},{"word":"me","start":946.89996,"end":947.06,"confidence":0.9782881,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.020334847271442413},{"word":"it","start":947.06,"end":947.22,"confidence":0.99696094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02346903085708618},{"word":"doesn't","start":947.22,"end":947.54,"confidence":0.99912363,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.06985142081975937},{"word":"i","start":948.1,"end":948.25995,"confidence":0.99964035,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09293360263109209},{"word":"don't","start":948.25995,"end":948.42,"confidence":0.9993272,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08235443383455276},{"word":"know","start":948.42,"end":948.57996,"confidence":0.9941565,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.15996064245700836},{"word":"if","start":948.57996,"end":948.74,"confidence":0.9975128,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.121451735496521},{"word":"it's","start":948.74,"end":948.89996,"confidence":0.9975816,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09507893025875092},{"word":"secure","start":948.89996,"end":949.3,"confidence":0.98203546,"punctuated_word":"secure","sentiment":"neutral","sentiment_score":-0.12375231087207794},{"word":"enough","start":949.3,"end":949.62,"confidence":0.99333453,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":-0.12477797269821168},{"word":"or","start":949.62,"end":949.995,"confidence":0.5967284,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12054187059402466},{"word":"if","start":950.075,"end":950.235,"confidence":0.97932,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10445690155029295},{"word":"there's","start":950.235,"end":950.395,"confidence":0.9641545,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.14205871522426605},{"word":"a","start":950.395,"end":950.475,"confidence":0.9959842,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15389911830425262},{"word":"crash","start":950.475,"end":950.71497,"confidence":0.9600016,"punctuated_word":"crash","sentiment":"neutral","sentiment_score":-0.1703694462776184},{"word":"gonna","start":950.71497,"end":951.035,"confidence":0.8776678,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2035014033317566},{"word":"happen","start":951.035,"end":951.275,"confidence":0.86152583,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":-0.17563879489898682},{"word":"of","start":951.275,"end":951.435,"confidence":0.992833,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16562093794345856},{"word":"course","start":951.435,"end":951.755,"confidence":0.9208194,"punctuated_word":"course,","sentiment":"neutral","sentiment_score":-0.13638053834438324},{"word":"you","start":951.755,"end":951.835,"confidence":0.8713375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20595648884773257},{"word":"lose","start":951.835,"end":952.235,"confidence":0.7524987,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.16788560152053833},{"word":"it","start":952.235,"end":952.315,"confidence":0.98632646,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11250334233045578},{"word":"all","start":952.315,"end":952.815,"confidence":0.9912338,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.11215278506278992},{"word":"i","start":954.075,"end":954.235,"confidence":0.8632507,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06426023691892624},{"word":"don't","start":954.235,"end":954.555,"confidence":0.6884306,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0651971846818924},{"word":"know","start":954.555,"end":954.635,"confidence":0.76785994,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.09871549159288406},{"word":"fully","start":954.635,"end":954.955,"confidence":0.34191748,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":-0.08150385320186615},{"word":"know","start":954.955,"end":955.115,"confidence":0.8285771,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.09098193049430849},{"word":"how","start":955.115,"end":955.275,"confidence":0.9861216,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.07400097697973251},{"word":"it","start":955.275,"end":955.515,"confidence":0.97205406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05799810588359833},{"word":"all","start":955.515,"end":956.015,"confidence":0.7180823,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.03586788475513458},{"word":"works","start":956.635,"end":957.035,"confidence":0.94197065,"punctuated_word":"works,","sentiment":"neutral","sentiment_score":0.0017267297953367231},{"word":"but","start":957.035,"end":957.275,"confidence":0.9991486,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.000471457839012146},{"word":"i","start":957.275,"end":957.435,"confidence":0.99003404,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0036858394742012024},{"word":"know","start":957.435,"end":957.595,"confidence":0.97896236,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.009870879352092745},{"word":"i","start":957.595,"end":957.675,"confidence":0.97526205,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005066879093647003},{"word":"need","start":957.675,"end":958.175,"confidence":0.97295547,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.006055407226085663},{"word":"every","start":958.555,"end":958.955,"confidence":0.93659884,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.00969819724559784},{"word":"sort","start":958.955,"end":959.455,"confidence":0.97102106,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.014467716217041016},{"word":"of","start":959.515,"end":959.835,"confidence":0.66534585,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.001956555992364883},{"word":"thing","start":959.835,"end":960.075,"confidence":0.41895714,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.0023108385503292084},{"word":"i","start":960.075,"end":960.235,"confidence":0.48639005,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014745201915502548},{"word":"can","start":960.235,"end":960.555,"confidence":0.98979974,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01256827637553215},{"word":"get","start":960.555,"end":960.875,"confidence":0.9297748,"punctuated_word":"get.","sentiment":"neutral","sentiment_score":0.014402005821466446},{"word":"so","start":960.875,"end":961.035,"confidence":0.9538539,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05991595238447189},{"word":"yeah","start":971.82,"end":972.32,"confidence":0.9427167,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.127121239900589},{"word":"yes","start":1012.755,"end":1013.255,"confidence":0.72576046,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04860974848270416},{"word":"okay","start":1013.555,"end":1013.955,"confidence":0.99851733,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04056944698095322},{"word":"yeah","start":1013.955,"end":1014.455,"confidence":0.7897912,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12868960201740265},{"word":"yeah","start":1040.905,"end":1041.3049,"confidence":0.81540585,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05698670446872711},{"word":"yeah","start":1041.3049,"end":1041.8049,"confidence":0.9550304,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0741625502705574},{"word":"yeah","start":1066.58,"end":1067.08,"confidence":0.84837425,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014200191013514996},{"word":"he's","start":1070.285,"end":1070.6051,"confidence":0.43971157,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":-0.01584465429186821},{"word":"just","start":1070.6051,"end":1071.1051,"confidence":0.46578845,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014501798897981644},{"word":"well","start":1072.7451,"end":1073.045,"confidence":0.7793904,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.014262452721595764},{"word":"it","start":1073.045,"end":1073.345,"confidence":0.52979875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.026548363268375397},{"word":"depends","start":1073.345,"end":1073.645,"confidence":0.98739874,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.016263961791992188},{"word":"on","start":1073.645,"end":1074.145,"confidence":0.999035,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.009054835885763168},{"word":"on","start":1075.485,"end":1075.5651,"confidence":0.9613591,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.010664239525794985},{"word":"health","start":1075.5651,"end":1075.885,"confidence":0.9409658,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.03527972102165222},{"word":"and","start":1075.885,"end":1076.285,"confidence":0.73331034,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0082477368414402},{"word":"and","start":1076.285,"end":1076.785,"confidence":0.98274267,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02149658650159836},{"word":"and","start":1077.485,"end":1077.7251,"confidence":0.78795195,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.019694088026881214},{"word":"that's","start":1077.7251,"end":1077.9651,"confidence":0.9985986,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.01785937324166298},{"word":"why","start":1077.9651,"end":1078.125,"confidence":0.8342554,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.09437073767185213},{"word":"i'm","start":1078.125,"end":1078.365,"confidence":0.99968493,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1186034306883812},{"word":"working","start":1078.365,"end":1078.765,"confidence":0.99899644,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.18017366528511047},{"word":"working","start":1078.765,"end":1079.265,"confidence":0.97679543,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.19274821877479553},{"word":"less","start":1079.3251,"end":1079.8251,"confidence":0.727506,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.11484012007713318},{"word":"yeah","start":1081.02,"end":1081.52,"confidence":0.9330758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00373007170855999},{"word":"65","start":1083.26,"end":1083.9801,"confidence":0.9954299,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.03382652997970581},{"word":"would","start":1083.9801,"end":1084.2201,"confidence":0.9994566,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0023779869079589844},{"word":"be","start":1084.2201,"end":1084.38,"confidence":0.99988043,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.022322416305541992},{"word":"good","start":1084.38,"end":1084.6201,"confidence":0.9131595,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.0703488290309906},{"word":"but","start":1084.6201,"end":1084.78,"confidence":0.9994735,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.004529133439064026},{"word":"i","start":1084.78,"end":1085.28,"confidence":0.7924376,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0010077543556690216},{"word":"yeah","start":1087.3401,"end":1087.5801,"confidence":0.7528665,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03732936084270477},{"word":"i'm","start":1087.5801,"end":1087.7401,"confidence":0.8063276,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1381073296070099},{"word":"probably","start":1087.7401,"end":1088.06,"confidence":0.8475506,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.19712087512016296},{"word":"not","start":1088.06,"end":1088.2201,"confidence":0.5749717,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.21907708048820496},{"word":"bad","start":1088.2201,"end":1088.4601,"confidence":0.54377437,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.24702048301696777},{"word":"enough","start":1088.4601,"end":1088.7001,"confidence":0.8126266,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":-0.17032504081726074},{"word":"so","start":1088.7001,"end":1089.18,"confidence":0.7441203,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.1079612523317337},{"word":"you","start":1089.18,"end":1089.3401,"confidence":0.7149359,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09639596194028854},{"word":"know","start":1089.3401,"end":1089.42,"confidence":0.99640405,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.11927015334367752},{"word":"i","start":1089.42,"end":1089.5,"confidence":0.8587234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18899480998516083},{"word":"have","start":1089.5,"end":1089.66,"confidence":0.58067536,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1317092776298523},{"word":"to","start":1089.66,"end":1089.7401,"confidence":0.987817,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1248469054698944},{"word":"go","start":1089.7401,"end":1089.9801,"confidence":0.5439563,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.11108225584030151},{"word":"a","start":1089.9801,"end":1090.06,"confidence":0.84269667,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09746361523866652},{"word":"bit","start":1090.06,"end":1090.3,"confidence":0.9403362,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11804609000682832},{"word":"more","start":1090.3,"end":1090.8,"confidence":0.9962132,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.07278671860694885},{"word":"yeah","start":1125.825,"end":1126.325,"confidence":0.9578502,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11645688116550446},{"word":"yeah","start":1127.985,"end":1128.485,"confidence":0.961843,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09254281967878342},{"word":"well","start":1167.085,"end":1167.405,"confidence":0.71587574,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.045261792838573456},{"word":"yeah","start":1167.405,"end":1167.565,"confidence":0.7198625,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.05936822667717934},{"word":"they","start":1167.565,"end":1167.6,"confidence":0.90725124,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.08612558245658875},{"word":"have","start":1167.6,"end":1167.635,"confidence":0.9779965,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0868181511759758},{"word":"to","start":1167.635,"end":1167.885,"confidence":0.99816704,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08387476205825806},{"word":"well","start":1168.205,"end":1168.68,"confidence":0.9904016,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.06713202595710754},{"word":"i","start":1168.76,"end":1168.8401,"confidence":0.9993013,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11090785264968872},{"word":"i","start":1168.8401,"end":1169.0801,"confidence":0.8579559,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10248633474111556},{"word":"would","start":1169.0801,"end":1169.16,"confidence":0.995764,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.09766367077827454},{"word":"say","start":1169.16,"end":1169.66,"confidence":0.9961732,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.08616845309734344},{"word":"less","start":1169.88,"end":1170.38,"confidence":0.9513124,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.1111527532339096},{"word":"just","start":1170.52,"end":1170.68,"confidence":0.8521591,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15681055188179016},{"word":"to","start":1170.68,"end":1170.8401,"confidence":0.99798226,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.187594011425972},{"word":"keep","start":1170.8401,"end":1171.0,"confidence":0.9800938,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.15100520849227905},{"word":"me","start":1171.0,"end":1171.5,"confidence":0.9984499,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.1723114848136902},{"word":"going","start":1173.0801,"end":1173.56,"confidence":0.95381,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.11338680237531662},{"word":"a","start":1173.56,"end":1173.7201,"confidence":0.99576473,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14583030343055725},{"word":"bit","start":1173.7201,"end":1173.9601,"confidence":0.99957734,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1597224771976471},{"word":"more","start":1173.9601,"end":1174.28,"confidence":0.79246414,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.10036614537239076},{"word":"but","start":1174.28,"end":1174.78,"confidence":0.99586844,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02208947017788887},{"word":"it's","start":1178.28,"end":1178.3601,"confidence":0.27616733,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.023784039542078972},{"word":"on","start":1178.3601,"end":1178.76,"confidence":0.43739718,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02323080226778984},{"word":"there","start":1178.76,"end":1179.26,"confidence":0.7912619,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.032095182687044144},{"word":"it","start":1179.4801,"end":1179.64,"confidence":0.49835816,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.13490140438079834},{"word":"has","start":1179.64,"end":1179.88,"confidence":0.9887242,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.14892245829105377},{"word":"to","start":1179.88,"end":1179.9601,"confidence":0.99774194,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14220677316188812},{"word":"be","start":1179.9601,"end":1180.12,"confidence":0.96443516,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1548069715499878},{"word":"less","start":1180.12,"end":1180.3601,"confidence":0.9845377,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.16956213116645813},{"word":"because","start":1180.3601,"end":1180.8601,"confidence":0.83383435,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1910163313150406},{"word":"i","start":1181.88,"end":1182.04,"confidence":0.57272226,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2142975777387619},{"word":"won't","start":1182.04,"end":1182.28,"confidence":0.9050901,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.21954131126403809},{"word":"be","start":1182.28,"end":1182.4401,"confidence":0.99501234,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20855623483657837},{"word":"doing","start":1182.4401,"end":1182.68,"confidence":0.9955996,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.2097853273153305},{"word":"as","start":1182.68,"end":1182.92,"confidence":0.9750357,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13605137169361117},{"word":"much","start":1182.92,"end":1183.16,"confidence":0.9906034,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1186189502477646},{"word":"in","start":1183.16,"end":1183.635,"confidence":0.5423471,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15227563679218292},{"word":"in","start":1184.035,"end":1184.535,"confidence":0.7795926,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07926875352859497},{"word":"that","start":1191.715,"end":1192.215,"confidence":0.7967987,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.001396174542605877},{"word":"well","start":1192.355,"end":1192.755,"confidence":0.9589218,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.008732574991881847},{"word":"that's","start":1192.755,"end":1193.155,"confidence":0.9201331,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.023762060329318047},{"word":"at","start":1193.3151,"end":1193.555,"confidence":0.98536646,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07074357569217682},{"word":"the","start":1193.555,"end":1193.715,"confidence":0.98889613,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04698701947927475},{"word":"moment","start":1193.715,"end":1194.035,"confidence":0.92430145,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.05785564333200455},{"word":"we","start":1194.035,"end":1194.1951,"confidence":0.97025126,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.052090518176555634},{"word":"haven't","start":1194.1951,"end":1194.435,"confidence":0.94170564,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.07898488640785217},{"word":"got","start":1194.435,"end":1194.595,"confidence":0.97089976,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.11463536322116852},{"word":"a","start":1194.595,"end":1194.675,"confidence":0.9397481,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11177604645490646},{"word":"cheap","start":1194.675,"end":1195.175,"confidence":0.9551537,"punctuated_word":"cheap","sentiment":"neutral","sentiment_score":-0.1000734567642212},{"word":"setup","start":1196.1951,"end":1196.675,"confidence":0.67803055,"punctuated_word":"setup,","sentiment":"neutral","sentiment_score":-0.05143699795007706},{"word":"but","start":1196.675,"end":1197.175,"confidence":0.9882951,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.014897719025611876},{"word":"i","start":1197.555,"end":1197.96,"confidence":0.92937523,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007066149264574051},{"word":"think","start":1198.0399,"end":1198.2,"confidence":0.969189,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04026619344949722},{"word":"it's","start":1198.2,"end":1198.36,"confidence":0.99791336,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04209039360284805},{"word":"gonna","start":1198.36,"end":1198.6799,"confidence":0.9189083,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.07281508296728134},{"word":"change","start":1198.6799,"end":1199.08,"confidence":0.99309397,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.0625828355550766},{"word":"and","start":1199.08,"end":1199.32,"confidence":0.61261207,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06477974355220795},{"word":"it'll","start":1199.32,"end":1199.64,"confidence":0.95936906,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.05107312649488449},{"word":"probably","start":1199.64,"end":1200.0399,"confidence":0.99690884,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.05335760489106178},{"word":"change","start":1200.0399,"end":1200.5399,"confidence":0.97347045,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":-0.036638304591178894},{"word":"at","start":1201.3999,"end":1201.64,"confidence":0.674281,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.03871222957968712},{"word":"the","start":1201.64,"end":1201.7999,"confidence":0.9716338,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03087034821510315},{"word":"moment","start":1201.7999,"end":1202.12,"confidence":0.84693485,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.04292687028646469},{"word":"we're","start":1202.12,"end":1202.2,"confidence":0.9702052,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.045387499034404755},{"word":"only","start":1202.2,"end":1202.44,"confidence":0.9305224,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.07526909559965134},{"word":"paying","start":1202.44,"end":1202.6,"confidence":0.7533842,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.04011513292789459},{"word":"$4.50","start":1202.6,"end":1203.4199,"confidence":0.9425307,"punctuated_word":"$4.50.","sentiment":"neutral","sentiment_score":-0.04270802065730095},{"word":"but","start":1204.2799,"end":1204.7799,"confidence":0.6835375,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.01730510964989662},{"word":"yeah","start":1208.6799,"end":1209.08,"confidence":0.9923863,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.013146555051207542},{"word":"i","start":1209.08,"end":1209.1599,"confidence":0.9569268,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006055671721696854},{"word":"i","start":1209.1599,"end":1209.24,"confidence":0.59617066,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0039939358830451965},{"word":"would","start":1209.24,"end":1209.48,"confidence":0.89046,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0067351870238780975},{"word":"say","start":1209.48,"end":1209.72,"confidence":0.9361217,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.004407986998558044},{"word":"it'll","start":1209.72,"end":1209.88,"confidence":0.93768704,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.02948051691055298},{"word":"change","start":1209.88,"end":1210.2799,"confidence":0.9904265,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.01553044468164444},{"word":"because","start":1210.2799,"end":1210.52,"confidence":0.79839957,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04448441788554192},{"word":"we're","start":1210.52,"end":1210.76,"confidence":0.87622356,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.05970880016684532},{"word":"gonna","start":1210.76,"end":1211.0,"confidence":0.9897641,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.06310495734214783},{"word":"have","start":1211.0,"end":1211.1599,"confidence":0.9981121,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0775308832526207},{"word":"to","start":1211.1599,"end":1211.32,"confidence":0.9983431,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04539819061756134},{"word":"move","start":1211.32,"end":1211.805,"confidence":0.9902852,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.018885165452957153},{"word":"sort","start":1214.285,"end":1214.4451,"confidence":0.59319484,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04187631607055664},{"word":"of","start":1214.4451,"end":1214.6051,"confidence":0.9428827,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03934011608362198},{"word":"soon","start":1214.6051,"end":1214.925,"confidence":0.92746973,"punctuated_word":"soon,","sentiment":"neutral","sentiment_score":-0.04739437624812126},{"word":"but","start":1214.925,"end":1215.425,"confidence":0.9975956,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.022136878222227097},{"word":"don't","start":1215.7251,"end":1215.9651,"confidence":0.7678208,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0471307598054409},{"word":"know","start":1215.9651,"end":1216.125,"confidence":0.9906922,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05751029774546623},{"word":"yet","start":1216.125,"end":1216.3651,"confidence":0.96288544,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.06891576200723648},{"word":"but","start":1216.3651,"end":1216.685,"confidence":0.9724568,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02475615590810776},{"word":"at","start":1216.685,"end":1216.8451,"confidence":0.83652174,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17418894171714783},{"word":"the","start":1216.8451,"end":1216.925,"confidence":0.99602413,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26140934228897095},{"word":"moment","start":1216.925,"end":1217.3251,"confidence":0.9776849,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.2793939709663391},{"word":"it's","start":1217.3251,"end":1217.4851,"confidence":0.9996324,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.44735488295555115},{"word":"pretty","start":1217.4851,"end":1217.7251,"confidence":0.99979764,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.367474228143692},{"word":"good","start":1217.7251,"end":1218.2251,"confidence":0.9994728,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.38381633162498474},{"word":"because","start":1237.34,"end":1237.66,"confidence":0.42572093,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.022340264171361923},{"word":"i","start":1237.66,"end":1237.74,"confidence":0.95800763,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034985512495040894},{"word":"only","start":1237.74,"end":1237.98,"confidence":0.79145,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.014403890818357468},{"word":"do","start":1237.98,"end":1238.14,"confidence":0.95820177,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.028518620878458023},{"word":"this","start":1238.14,"end":1238.2999,"confidence":0.40775922,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0440119206905365},{"word":"three","start":1238.2999,"end":1238.54,"confidence":0.94869256,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.022972218692302704},{"word":"days","start":1238.54,"end":1239.04,"confidence":0.6949941,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.06237006187438965},{"word":"and","start":1241.485,"end":1241.5651,"confidence":0.99598545,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09380649030208588},{"word":"and","start":1241.5651,"end":1241.645,"confidence":0.68821204,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0988721325993538},{"word":"i'll","start":1241.645,"end":1241.885,"confidence":0.74534523,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11029305309057236},{"word":"do","start":1241.885,"end":1241.965,"confidence":0.987277,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11114871501922607},{"word":"more","start":1241.965,"end":1242.189,"confidence":0.9879611,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09018288552761078},{"word":"at","start":1242.189,"end":1242.413,"confidence":0.5995674,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10129764676094057},{"word":"you","start":1242.637,"end":1242.861,"confidence":0.45908508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12151700258255003},{"word":"know","start":1242.861,"end":1243.085,"confidence":0.99333084,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11892330646514893},{"word":"when","start":1243.085,"end":1243.405,"confidence":0.9798497,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11690518260002136},{"word":"when","start":1243.405,"end":1243.645,"confidence":0.89820385,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1202957034111023},{"word":"needed","start":1243.645,"end":1243.885,"confidence":0.901731,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.10440470278263092},{"word":"and","start":1243.885,"end":1244.045,"confidence":0.8550511,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12030097842216492},{"word":"when","start":1244.045,"end":1244.285,"confidence":0.95116043,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0976232811808586},{"word":"i","start":1244.285,"end":1244.365,"confidence":0.9882565,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08709684014320374},{"word":"can","start":1244.365,"end":1244.685,"confidence":0.9911842,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08793368935585022},{"word":"and","start":1244.685,"end":1244.925,"confidence":0.960527,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06732265651226044},{"word":"so","start":1244.925,"end":1245.085,"confidence":0.84753543,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.052999019622802734},{"word":"forth","start":1245.085,"end":1245.405,"confidence":0.78295183,"punctuated_word":"forth.","sentiment":"neutral","sentiment_score":0.05711646378040314},{"word":"but","start":1245.405,"end":1245.905,"confidence":0.99612206,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03358011692762375},{"word":"normally","start":1246.045,"end":1246.4451,"confidence":0.6631416,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":0.032424136996269226},{"word":"it's","start":1246.4451,"end":1246.605,"confidence":0.9475566,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0335717648267746},{"word":"three","start":1246.605,"end":1246.845,"confidence":0.90257627,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.026162035763263702},{"word":"days","start":1246.845,"end":1247.345,"confidence":0.71431625,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.030823536217212677},{"word":"so","start":1247.725,"end":1248.225,"confidence":0.5141789,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03569665923714638},{"word":"it's","start":1248.605,"end":1249.105,"confidence":0.7622366,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.035828735679388046},{"word":"depending","start":1249.725,"end":1250.045,"confidence":0.6975341,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.036397725343704224},{"word":"on","start":1250.045,"end":1250.2051,"confidence":0.9951638,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.038260918110609055},{"word":"the","start":1250.2051,"end":1250.365,"confidence":0.8110498,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026339061558246613},{"word":"hours","start":1250.365,"end":1250.685,"confidence":0.4438512,"punctuated_word":"hours,","sentiment":"neutral","sentiment_score":0.029716379940509796},{"word":"so","start":1250.685,"end":1251.185,"confidence":0.52494174,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.041894011199474335},{"word":"anywhere","start":1251.405,"end":1251.805,"confidence":0.82641566,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.04110437259078026},{"word":"between","start":1251.805,"end":1252.305,"confidence":0.8955786,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.018264928832650185},{"word":"say","start":1253.0299,"end":1253.2699,"confidence":0.9908477,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.043617404997348785},{"word":"1,500","start":1253.2699,"end":1254.25,"confidence":0.9679301,"punctuated_word":"1,500","sentiment":"neutral","sentiment_score":0.06072293221950531},{"word":"to","start":1254.71,"end":1255.21,"confidence":0.9979533,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02292671799659729},{"word":"about","start":1256.1499,"end":1256.6499,"confidence":0.9673767,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01239798404276371},{"word":"2,200","start":1257.75,"end":1258.73,"confidence":0.865228,"punctuated_word":"2,200.","sentiment":"neutral","sentiment_score":0.027631308883428577},{"word":"okay","start":1261.99,"end":1262.1499,"confidence":0.42377895,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.031179647892713547},{"word":"yeah","start":1262.1499,"end":1262.5499,"confidence":0.8853647,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.031093882396817207},{"word":"yeah","start":1262.5499,"end":1263.0499,"confidence":0.935866,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03304331749677658},{"word":"no","start":1276.475,"end":1276.715,"confidence":0.7349084,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09784737974405287},{"word":"it's","start":1276.715,"end":1276.9551,"confidence":0.91108966,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08049745857715607},{"word":"probably","start":1276.9551,"end":1277.4551,"confidence":0.89148766,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.09093844145536424},{"word":"$5.15","start":1277.515,"end":1278.235,"confidence":0.3574286,"punctuated_word":"$5.15","sentiment":"neutral","sentiment_score":-0.10566800832748412},{"word":"guiding","start":1278.235,"end":1278.735,"confidence":0.42258626,"punctuated_word":"guiding","sentiment":"neutral","sentiment_score":-0.06386888027191162},{"word":"sort","start":1278.795,"end":1278.9551,"confidence":0.68013334,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.11411152780056},{"word":"of","start":1278.9551,"end":1279.4551,"confidence":0.9945023,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09059452265501022},{"word":"would","start":1279.675,"end":1279.8351,"confidence":0.65935004,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.094302736222744},{"word":"be","start":1279.8351,"end":1279.995,"confidence":0.9993825,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11226668953895567},{"word":"more","start":1279.995,"end":1280.495,"confidence":0.9991761,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.06833961606025696},{"word":"accurate","start":1281.915,"end":1282.395,"confidence":0.78141546,"punctuated_word":"accurate,","sentiment":"neutral","sentiment_score":0.0874444991350174},{"word":"i'm","start":1282.395,"end":1282.74,"confidence":0.93536747,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.035396598279476166},{"word":"saying","start":1282.74,"end":1283.24,"confidence":0.95041907,"punctuated_word":"saying.","sentiment":"neutral","sentiment_score":0.017709290608763695},{"word":"yeah","start":1295.7,"end":1296.2,"confidence":0.74967104,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005605820566415787},{"word":"i","start":1296.34,"end":1296.42,"confidence":0.9460474,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015081603080034256},{"word":"would","start":1296.42,"end":1296.74,"confidence":0.99606824,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01059388741850853},{"word":"say","start":1296.74,"end":1297.0599,"confidence":0.9748286,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.010515909641981123},{"word":"they're","start":1297.0599,"end":1297.3,"confidence":0.7073142,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.01772995851933956},{"word":"lower","start":1297.3,"end":1297.755,"confidence":0.6850449,"punctuated_word":"lower,","sentiment":"neutral","sentiment_score":-0.00998641923069954},{"word":"15","start":1297.995,"end":1298.495,"confidence":0.585465,"punctuated_word":"15","sentiment":"neutral","sentiment_score":-0.0009645149111747742},{"word":"or","start":1299.195,"end":1299.435,"confidence":0.40293562,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01701321080327034},{"word":"less","start":1299.435,"end":1299.675,"confidence":0.92521614,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.009261894971132278},{"word":"7","start":1299.675,"end":1299.995,"confidence":0.55218846,"punctuated_word":"7.","sentiment":"neutral","sentiment_score":0.015209613367915154},{"word":"yeah","start":1299.995,"end":1300.495,"confidence":0.94173944,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04475413262844086},{"word":"yep","start":1300.955,"end":1301.455,"confidence":0.7696681,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1482774019241333},{"word":"no","start":1379.83,"end":1379.91,"confidence":0.6512632,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1804964244365692},{"word":"it's","start":1379.91,"end":1380.23,"confidence":0.79576814,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.16383090615272522},{"word":"not","start":1380.23,"end":1380.71,"confidence":0.9328501,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2054419070482254},{"word":"i","start":1381.35,"end":1381.4299,"confidence":0.87563795,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25479382276535034},{"word":"wouldn't","start":1381.4299,"end":1381.75,"confidence":0.96771145,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.2303464263677597},{"word":"say","start":1381.75,"end":1381.99,"confidence":0.9887977,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.22644592821598053},{"word":"try","start":1381.99,"end":1382.23,"confidence":0.48399436,"punctuated_word":"try.","sentiment":"neutral","sentiment_score":-0.2551877498626709},{"word":"i'm","start":1382.23,"end":1382.47,"confidence":0.9469125,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.13100501894950867},{"word":"trying","start":1382.47,"end":1382.87,"confidence":0.974271,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.06953959912061691},{"word":"to","start":1382.87,"end":1382.95,"confidence":0.99734664,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08023658394813538},{"word":"save","start":1382.95,"end":1383.45,"confidence":0.99762946,"punctuated_word":"save","sentiment":"neutral","sentiment_score":-0.10199005901813508},{"word":"a","start":1383.965,"end":1384.125,"confidence":0.99325484,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11106547713279724},{"word":"bit","start":1384.125,"end":1384.365,"confidence":0.9352818,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11422543227672576},{"word":"as","start":1384.365,"end":1384.865,"confidence":0.9986162,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11798623949289322},{"word":"well","start":1385.085,"end":1385.585,"confidence":0.89616907,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.08275072276592255},{"word":"plenty","start":1385.885,"end":1386.385,"confidence":0.7395832,"punctuated_word":"Plenty","sentiment":"neutral","sentiment_score":0.30100393295288086},{"word":"plenty","start":1388.205,"end":1388.285,"confidence":0.8022409,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.18686577677726743},{"word":"a","start":1388.285,"end":1388.4451,"confidence":0.82928807,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18564939498901367},{"word":"trip","start":1388.4451,"end":1388.765,"confidence":0.97761315,"punctuated_word":"trip","sentiment":"neutral","sentiment_score":0.3186019957065582},{"word":"in","start":1388.765,"end":1389.005,"confidence":0.47232303,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3098963499069214},{"word":"that","start":1389.005,"end":1389.325,"confidence":0.7980761,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.28156301379203796},{"word":"but","start":1389.325,"end":1389.825,"confidence":0.976953,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.18052120506763455},{"word":"yeah","start":1391.405,"end":1391.725,"confidence":0.98034346,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2084874212741852},{"word":"because","start":1391.725,"end":1392.225,"confidence":0.98313093,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.15612496435642242},{"word":"i'd","start":1393.165,"end":1393.665,"confidence":0.89173913,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.24741047620773315},{"word":"i'd","start":1393.805,"end":1393.965,"confidence":0.93151176,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.2661067843437195},{"word":"like","start":1393.965,"end":1394.125,"confidence":0.9899054,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.32110047340393066},{"word":"to","start":1394.125,"end":1394.365,"confidence":0.99804246,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33383676409721375},{"word":"go","start":1394.365,"end":1394.865,"confidence":0.990738,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.31565141677856445},{"word":"to","start":1395.955,"end":1396.205,"confidence":0.9958912,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31674623489379883},{"word":"malta","start":1396.205,"end":1396.705,"confidence":0.5411762,"punctuated_word":"Malta,","sentiment":"neutral","sentiment_score":0.2835949957370758},{"word":"and","start":1397.965,"end":1398.21,"confidence":0.731814,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26347318291664124},{"word":"i","start":1398.37,"end":1398.45,"confidence":0.9529629,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24522365629673004},{"word":"hope","start":1398.45,"end":1398.61,"confidence":0.24111803,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.292242169380188},{"word":"i've","start":1398.61,"end":1398.69,"confidence":0.33907276,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.23477578163146973},{"word":"been","start":1398.69,"end":1398.85,"confidence":0.61795014,"punctuated_word":"been,","sentiment":"neutral","sentiment_score":0.25103259086608887},{"word":"and","start":1398.85,"end":1399.1699,"confidence":0.9989416,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22533977031707764},{"word":"that's","start":1399.1699,"end":1399.4099,"confidence":0.99231124,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.19493010640144348},{"word":"where","start":1399.4099,"end":1399.6499,"confidence":0.9774909,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10943224281072617},{"word":"my","start":1399.6499,"end":1399.89,"confidence":0.9988921,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13356006145477295},{"word":"father","start":1399.89,"end":1400.37,"confidence":0.9966371,"punctuated_word":"father","sentiment":"neutral","sentiment_score":0.14777299761772156},{"word":"was","start":1400.37,"end":1400.69,"confidence":0.8637206,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.11462917923927309},{"word":"from","start":1400.69,"end":1401.19,"confidence":0.9828456,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.11911022663116456},{"word":"so","start":1401.89,"end":1402.13,"confidence":0.6899692,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1927042454481125},{"word":"i","start":1402.13,"end":1402.2899,"confidence":0.9966434,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2454615980386734},{"word":"do","start":1402.2899,"end":1402.45,"confidence":0.9991277,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.25999394059181213},{"word":"wanna","start":1402.45,"end":1402.77,"confidence":0.95716417,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.263206422328949},{"word":"go","start":1402.77,"end":1403.25,"confidence":0.98572636,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.27169179916381836},{"word":"to","start":1403.25,"end":1403.4099,"confidence":0.9977139,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2610028088092804},{"word":"where","start":1403.4099,"end":1403.8099,"confidence":0.99635077,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.20170246064662933},{"word":"he","start":1403.8099,"end":1404.3099,"confidence":0.9917774,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.15708807110786438},{"word":"grew","start":1404.45,"end":1404.69,"confidence":0.9957723,"punctuated_word":"grew","sentiment":"neutral","sentiment_score":0.13058917224407196},{"word":"up","start":1404.69,"end":1404.85,"confidence":0.9993119,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13676011562347412},{"word":"and","start":1404.85,"end":1405.01,"confidence":0.97899264,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2147618979215622},{"word":"stuff","start":1405.01,"end":1405.25,"confidence":0.99241155,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.17548729479312897},{"word":"like","start":1405.25,"end":1405.4099,"confidence":0.96629655,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.19825266301631927},{"word":"that","start":1405.4099,"end":1405.9099,"confidence":0.9923918,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.22825059294700625},{"word":"that's","start":1406.21,"end":1406.45,"confidence":0.97019076,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1626715064048767},{"word":"what","start":1406.45,"end":1406.61,"confidence":0.94923556,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22258397936820984},{"word":"i've","start":1406.61,"end":1406.85,"confidence":0.99567467,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.23525166511535645},{"word":"always","start":1406.85,"end":1407.1699,"confidence":0.9989065,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.22008360922336576},{"word":"wanted","start":1407.1699,"end":1407.49,"confidence":0.9990928,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.28988608717918396},{"word":"to","start":1407.49,"end":1407.57,"confidence":0.9995925,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.270984023809433},{"word":"do","start":1407.57,"end":1407.8099,"confidence":0.80774605,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.2918474078178406},{"word":"and","start":1407.8099,"end":1408.3099,"confidence":0.99825245,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2698562741279602},{"word":"i","start":1408.45,"end":1408.5299,"confidence":0.97014475,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23153056204319},{"word":"figured","start":1408.5299,"end":1408.9299,"confidence":0.6724085,"punctuated_word":"figured,","sentiment":"neutral","sentiment_score":0.24675822257995603},{"word":"well","start":1408.9299,"end":1409.4299,"confidence":0.98517954,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2108473777770996},{"word":"i'm","start":1409.49,"end":1409.6499,"confidence":0.87669665,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.23483917117118835},{"word":"gonna","start":1409.6499,"end":1409.97,"confidence":0.8220817,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.23308108747005463},{"word":"do","start":1409.97,"end":1410.13,"confidence":0.9813355,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24666893482208252},{"word":"it","start":1410.13,"end":1410.21,"confidence":0.99315214,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2760927677154541},{"word":"before","start":1410.21,"end":1410.61,"confidence":0.8033932,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.22783085703849792},{"word":"it's","start":1410.61,"end":1410.77,"confidence":0.99646187,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09954759478569032},{"word":"too","start":1410.77,"end":1410.9299,"confidence":0.992378,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.10424066334962843},{"word":"late","start":1410.9299,"end":1411.1699,"confidence":0.7041019,"punctuated_word":"late.","sentiment":"neutral","sentiment_score":0.10799216479063034},{"word":"so","start":1411.1699,"end":1411.4099,"confidence":0.7978065,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09790422767400742},{"word":"i","start":1411.4099,"end":1411.49,"confidence":0.35049257,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09843382239341736},{"word":"think","start":1411.49,"end":1411.8099,"confidence":0.757619,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.09855275601148604},{"word":"that","start":1411.8099,"end":1412.3099,"confidence":0.42491582,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06363235414028168},{"word":"that","start":1414.515,"end":1414.755,"confidence":0.77026325,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.691840648651123},{"word":"yeah","start":1414.835,"end":1415.235,"confidence":0.97892195,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2125815153121948},{"word":"just","start":1415.235,"end":1415.475,"confidence":0.94749737,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1347784548997879},{"word":"trying","start":1415.475,"end":1415.635,"confidence":0.9779067,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.18779169023036957},{"word":"to","start":1415.635,"end":1415.7949,"confidence":0.9956436,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1843114048242569},{"word":"save","start":1415.7949,"end":1416.2949,"confidence":0.99604553,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.16147500276565552},{"word":"a","start":1416.4349,"end":1416.595,"confidence":0.71519244,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12104897201061247},{"word":"tweak","start":1416.595,"end":1416.9149,"confidence":0.8993578,"punctuated_word":"tweak","sentiment":"neutral","sentiment_score":0.1438860446214676},{"word":"for","start":1416.9149,"end":1417.155,"confidence":0.98473376,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1418723315000534},{"word":"that","start":1417.155,"end":1417.635,"confidence":0.98691875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14275503158569336},{"word":"and","start":1417.635,"end":1418.135,"confidence":0.901642,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11377689242362976},{"word":"things","start":1418.9149,"end":1419.155,"confidence":0.9780096,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.04978341236710549},{"word":"like","start":1419.155,"end":1419.315,"confidence":0.993634,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06876930594444275},{"word":"that","start":1419.315,"end":1419.635,"confidence":0.9916606,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09156887233257294},{"word":"so","start":1419.635,"end":1420.135,"confidence":0.7629218,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.04552169889211655},{"word":"yeah","start":1420.6749,"end":1420.9149,"confidence":0.9353132,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.05351141095161438},{"word":"it's","start":1420.9149,"end":1421.315,"confidence":0.9986596,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.009852737188339232},{"word":"it's","start":1421.315,"end":1421.5549,"confidence":0.9940536,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.01543599646538496},{"word":"not","start":1421.5549,"end":1421.875,"confidence":0.99893934,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04402583092451096},{"word":"tight","start":1421.875,"end":1422.275,"confidence":0.91540384,"punctuated_word":"tight,","sentiment":"neutral","sentiment_score":-0.04453478008508682},{"word":"but","start":1422.275,"end":1422.775,"confidence":0.993561,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04683248698711395},{"word":"i'm","start":1422.9149,"end":1423.075,"confidence":0.69764847,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.186360165476799},{"word":"really","start":1423.075,"end":1423.315,"confidence":0.46462998,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.25368431210517883},{"word":"doing","start":1423.315,"end":1423.635,"confidence":0.9967481,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.325451135635376},{"word":"pretty","start":1423.635,"end":1423.7949,"confidence":0.9987301,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4187950491905213},{"word":"well","start":1423.7949,"end":1424.0349,"confidence":0.81420994,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2749619483947754},{"word":"but","start":1424.0349,"end":1424.195,"confidence":0.9993492,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1119317263364792},{"word":"it's","start":1424.195,"end":1424.4349,"confidence":0.9986435,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0004074822063557803},{"word":"just","start":1424.4349,"end":1424.9349,"confidence":0.96697795,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.01150195300579071},{"word":"you","start":1425.395,"end":1425.5549,"confidence":0.9791116,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.030666790902614594},{"word":"know","start":1425.5549,"end":1425.875,"confidence":0.9986118,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.013577714562416077},{"word":"one","start":1425.875,"end":1426.0349,"confidence":0.98967934,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.014659568667411804},{"word":"of","start":1426.0349,"end":1426.195,"confidence":0.9989833,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06065812706947327},{"word":"those","start":1426.195,"end":1426.4349,"confidence":0.9968803,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0929490253329277},{"word":"things","start":1426.4349,"end":1426.9349,"confidence":0.9873418,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.10325174033641817},{"word":"yeah","start":1460.4199,"end":1460.74,"confidence":0.77992773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05703761428594589},{"word":"i","start":1460.74,"end":1461.0599,"confidence":0.89504856,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1124093011021614},{"word":"don't","start":1461.0599,"end":1461.5599,"confidence":0.9250003,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14651893079280853},{"word":"know","start":1464.34,"end":1464.84,"confidence":0.80270505,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.16542667150497437},{"word":"i","start":1465.22,"end":1465.3799,"confidence":0.9865697,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16325722634792328},{"word":"know","start":1465.3799,"end":1465.62,"confidence":0.6272162,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1439105123281479},{"word":"i've","start":1465.62,"end":1465.94,"confidence":0.6774303,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.14922404289245603},{"word":"probably","start":1465.94,"end":1466.4199,"confidence":0.9524065,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.367933988571167},{"word":"screwed","start":1466.4199,"end":1466.6599,"confidence":0.36206397,"punctuated_word":"screwed","sentiment":"negative","sentiment_score":-0.3701356053352356},{"word":"you","start":1466.6599,"end":1466.82,"confidence":0.39021227,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4058220982551574},{"word":"putting","start":1466.82,"end":1467.1399,"confidence":0.7489105,"punctuated_word":"putting","sentiment":"negative","sentiment_score":-0.388226330280304},{"word":"in","start":1467.1399,"end":1467.22,"confidence":0.83878726,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.35431644320487976},{"word":"a","start":1467.22,"end":1467.2999,"confidence":0.19858393,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3554481267929077},{"word":"bit","start":1467.2999,"end":1467.46,"confidence":0.91540617,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2701188325881958},{"word":"extra","start":1467.46,"end":1467.96,"confidence":0.92513555,"punctuated_word":"extra.","sentiment":"neutral","sentiment_score":-0.2703818678855896},{"word":"that's","start":1471.22,"end":1471.46,"confidence":0.73758674,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1883004903793335},{"word":"probably","start":1471.46,"end":1471.96,"confidence":0.99822193,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.21204538643360135},{"word":"a","start":1472.4199,"end":1472.5,"confidence":0.9954333,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28754401206970215},{"word":"good","start":1472.5,"end":1472.74,"confidence":0.6007004,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.33571305871009827},{"word":"idea","start":1472.74,"end":1473.24,"confidence":0.9712186,"punctuated_word":"idea.","sentiment":"neutral","sentiment_score":0.21924477815628052},{"word":"i","start":1473.2999,"end":1473.4275,"confidence":0.9164328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024197876453399655},{"word":"just","start":1473.4275,"end":1473.555,"confidence":0.64757526,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03977769613265991},{"word":"don't","start":1473.7151,"end":1473.9551,"confidence":0.94173634,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07790602743625641},{"word":"know","start":1473.9551,"end":1474.035,"confidence":0.39090282,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.10383716225624084},{"word":"if","start":1474.035,"end":1474.535,"confidence":0.4719657,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09460273385047913},{"word":"yeah","start":1475.4751,"end":1475.7151,"confidence":0.89335376,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.08939103037118912},{"word":"i","start":1475.7151,"end":1475.795,"confidence":0.56061006,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08288948237895966},{"word":"probably","start":1475.795,"end":1476.1951,"confidence":0.98808205,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.026163138449192047},{"word":"should","start":1476.1951,"end":1476.6951,"confidence":0.99764746,"punctuated_word":"should.","sentiment":"neutral","sentiment_score":-0.03431551158428192},{"word":"yeah","start":1511.385,"end":1511.865,"confidence":0.8824676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0916234478354454},{"word":"yeah","start":1511.865,"end":1512.1849,"confidence":0.995059,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1048094779253006},{"word":"okay","start":1512.1849,"end":1512.63,"confidence":0.98950905,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13752934336662292},{"word":"yep","start":1524.87,"end":1525.37,"confidence":0.9934907,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04261119291186333},{"word":"oh","start":1525.99,"end":1526.07,"confidence":0.81386876,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.047661736607551575},{"word":"yeah","start":1526.07,"end":1526.39,"confidence":0.9572835,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.050595998764038086},{"word":"as","start":1526.39,"end":1526.63,"confidence":0.9961655,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.0380299799144268},{"word":"much","start":1526.63,"end":1526.79,"confidence":0.999782,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.044863589107990265},{"word":"as","start":1526.79,"end":1527.03,"confidence":0.99942786,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04740196466445923},{"word":"possible","start":1527.03,"end":1527.53,"confidence":0.8343128,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.053006939589977264},{"word":"partners","start":1528.9551,"end":1529.4551,"confidence":0.53467995,"punctuated_word":"Partners","sentiment":"neutral","sentiment_score":0.022737186402082443},{"word":"doing","start":1529.995,"end":1530.495,"confidence":0.9106456,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.014863263815641403},{"word":"most","start":1530.555,"end":1530.875,"confidence":0.87570876,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.02794681116938591},{"word":"of","start":1530.875,"end":1530.9551,"confidence":0.99258465,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027167126536369324},{"word":"that","start":1530.9551,"end":1531.275,"confidence":0.9982718,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03027559071779251},{"word":"sort","start":1531.275,"end":1531.775,"confidence":0.8927239,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0025835558772087097},{"word":"of","start":1531.995,"end":1532.155,"confidence":0.86364937,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008678078651428223},{"word":"balancing","start":1532.155,"end":1532.655,"confidence":0.7681757,"punctuated_word":"balancing,","sentiment":"neutral","sentiment_score":0.008275369182229042},{"word":"but","start":1532.715,"end":1533.215,"confidence":0.9981427,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.004539612680673599},{"word":"what","start":1535.675,"end":1535.915,"confidence":0.7896364,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06190189719200134},{"word":"did","start":1535.915,"end":1536.0751,"confidence":0.92465,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.05655485764145851},{"word":"she","start":1536.0751,"end":1536.395,"confidence":0.997439,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.042690783739089966},{"word":"say","start":1536.395,"end":1536.875,"confidence":0.75563014,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":-0.045684147626161575},{"word":"that","start":1536.875,"end":1537.275,"confidence":0.9714559,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.08387963473796844},{"word":"she's","start":1537.275,"end":1537.595,"confidence":0.9971447,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.08195820450782776},{"word":"gonna","start":1537.595,"end":1537.915,"confidence":0.97476554,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.09532836079597472},{"word":"put","start":1537.915,"end":1538.415,"confidence":0.99761117,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.07552090287208557},{"word":"all","start":1540.9551,"end":1541.1951,"confidence":0.97760606,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.08174403756856918},{"word":"her","start":1541.1951,"end":1541.355,"confidence":0.945976,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.11050394177436829},{"word":"wages","start":1541.355,"end":1541.835,"confidence":0.99475265,"punctuated_word":"wages","sentiment":"neutral","sentiment_score":-0.09269898384809494},{"word":"away","start":1541.835,"end":1542.235,"confidence":0.90893126,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.0446740984916687},{"word":"which","start":1542.235,"end":1542.475,"confidence":0.99660057,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.025953467935323715},{"word":"is","start":1542.475,"end":1542.715,"confidence":0.9962114,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03823190927505493},{"word":"yeah","start":1543.275,"end":1543.775,"confidence":0.7712898,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.010206343606114388},{"word":"because","start":1544.6,"end":1544.92,"confidence":0.9747069,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.0016654282808303833},{"word":"it's","start":1544.92,"end":1545.24,"confidence":0.87806225,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.002044210908934474},{"word":"part","start":1545.24,"end":1545.48,"confidence":0.7346622,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.00034680962562561035},{"word":"of","start":1545.48,"end":1545.56,"confidence":0.4241845,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.001568138599395752},{"word":"you","start":1545.56,"end":1545.72,"confidence":0.99188715,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023963838815689087},{"word":"know","start":1545.72,"end":1546.04,"confidence":0.91964173,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.007782254368066788},{"word":"that's","start":1546.04,"end":1546.4401,"confidence":0.9709221,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.008414427749812603},{"word":"that's","start":1546.4401,"end":1546.76,"confidence":0.9728509,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0032449490390717983},{"word":"how","start":1546.76,"end":1546.92,"confidence":0.90872896,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.00380600243806839},{"word":"we","start":1546.92,"end":1547.0,"confidence":0.45872205,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.021878451108932495},{"word":"set","start":1547.0,"end":1547.24,"confidence":0.6537171,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.027091607451438904},{"word":"up","start":1547.24,"end":1547.72,"confidence":0.66285425,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.017311524599790573},{"word":"she's","start":1547.72,"end":1548.04,"confidence":0.78596246,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.03670080006122589},{"word":"gonna","start":1548.04,"end":1548.36,"confidence":0.9761806,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.038295045495033264},{"word":"put","start":1548.36,"end":1548.6,"confidence":0.9009604,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.02711665630340576},{"word":"all","start":1548.6,"end":1548.76,"confidence":0.99066275,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.04662105441093445},{"word":"hers","start":1548.76,"end":1549.0,"confidence":0.78862417,"punctuated_word":"hers","sentiment":"neutral","sentiment_score":-0.09428823739290236},{"word":"away","start":1549.0,"end":1549.4,"confidence":0.99337643,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.03566984832286835},{"word":"so","start":1549.4,"end":1549.56,"confidence":0.28377226,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.004154220223426819},{"word":"it's","start":1549.56,"end":1549.64,"confidence":0.68957615,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0005014340276829898},{"word":"around","start":1549.64,"end":1550.14,"confidence":0.39407724,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.016970455646514893},{"word":"for","start":1551.8,"end":1552.04,"confidence":0.85248744,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.019708573818206787},{"word":"800","start":1552.04,"end":1552.6,"confidence":0.9271643,"punctuated_word":"800","sentiment":"neutral","sentiment_score":0.01918721944093704},{"word":"a","start":1552.6,"end":1552.68,"confidence":0.95100105,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007424840703606605},{"word":"week","start":1552.68,"end":1553.18,"confidence":0.9947741,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.0008440334349870682},{"word":"that's","start":1555.8,"end":1556.2001,"confidence":0.94697297,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.39695867896080017},{"word":"i","start":1556.36,"end":1556.52,"confidence":0.9988181,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07023859024047852},{"word":"think","start":1556.52,"end":1556.68,"confidence":0.9986675,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05726876109838486},{"word":"that's","start":1556.68,"end":1557.0,"confidence":0.9935721,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07266359031200409},{"word":"the","start":1557.0,"end":1557.16,"confidence":0.9706294,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06258390843868256},{"word":"plan","start":1557.16,"end":1557.64,"confidence":0.88441736,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.08714191615581512},{"word":"so","start":1557.64,"end":1557.8,"confidence":0.81376463,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08836372941732407},{"word":"yeah","start":1558.05,"end":1558.55,"confidence":0.9968647,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1146208643913269},{"word":"truck","start":1577.77,"end":1578.01,"confidence":0.633709,"punctuated_word":"Truck","sentiment":"neutral","sentiment_score":0.011992012150585651},{"word":"driver","start":1578.01,"end":1578.51,"confidence":0.94088346,"punctuated_word":"driver.","sentiment":"neutral","sentiment_score":0.0116388825699687},{"word":"well","start":1583.13,"end":1583.4501,"confidence":0.8397547,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.006663150154054165},{"word":"a","start":1583.4501,"end":1583.53,"confidence":0.4175193,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01936091110110283},{"word":"bit","start":1583.53,"end":1583.65,"confidence":0.97746027,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.03125353157520294},{"word":"of","start":1583.65,"end":1583.77,"confidence":0.9238828,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.040496863424777985},{"word":"both","start":1583.77,"end":1584.17,"confidence":0.96050566,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.03633197769522667},{"word":"local","start":1584.17,"end":1584.67,"confidence":0.6252173,"punctuated_word":"local.","sentiment":"neutral","sentiment_score":0.029773609712719917},{"word":"it's","start":1584.73,"end":1584.97,"confidence":0.97232246,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04634180665016174},{"word":"really","start":1584.97,"end":1585.29,"confidence":0.9929744,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.04884219169616699},{"word":"local","start":1585.29,"end":1585.77,"confidence":0.98906064,"punctuated_word":"local.","sentiment":"neutral","sentiment_score":0.05336900055408478},{"word":"it's","start":1585.77,"end":1585.93,"confidence":0.96531177,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.01955554634332657},{"word":"it's","start":1585.93,"end":1586.205,"confidence":0.9613216,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01707565411925316},{"word":"not","start":1586.2849,"end":1586.605,"confidence":0.99772066,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.016999170184135437},{"word":"like","start":1586.605,"end":1586.845,"confidence":0.7755486,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.020981440320611},{"word":"all","start":1586.845,"end":1587.085,"confidence":0.49243432,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.01138075441122055},{"word":"distance","start":1587.085,"end":1587.585,"confidence":0.493677,"punctuated_word":"distance","sentiment":"neutral","sentiment_score":-0.005012191832065582},{"word":"sleeping","start":1587.6449,"end":1587.965,"confidence":0.85807675,"punctuated_word":"sleeping","sentiment":"neutral","sentiment_score":-0.006151976063847542},{"word":"in","start":1587.965,"end":1588.125,"confidence":0.98134285,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02129830047488213},{"word":"a","start":1588.125,"end":1588.205,"confidence":0.64318156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015617907978594305},{"word":"truck","start":1588.205,"end":1588.445,"confidence":0.94694936,"punctuated_word":"truck","sentiment":"neutral","sentiment_score":0.012610038742423058},{"word":"and","start":1588.445,"end":1588.6849,"confidence":0.61048794,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0026545505970716476},{"word":"that","start":1588.6849,"end":1588.765,"confidence":0.5925139,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.016114942729473114},{"word":"but","start":1588.765,"end":1589.265,"confidence":0.9929755,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02662097103893757},{"word":"yeah","start":1591.4049,"end":1591.565,"confidence":0.91123855,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.11685393750667572},{"word":"so","start":1591.565,"end":1591.8049,"confidence":0.68681586,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08654101938009262},{"word":"it's","start":1591.8049,"end":1592.0449,"confidence":0.9203037,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11126631498336792},{"word":"local","start":1592.0449,"end":1592.5449,"confidence":0.86096525,"punctuated_word":"local.","sentiment":"neutral","sentiment_score":0.10122068226337431},{"word":"i'm","start":1593.005,"end":1593.1649,"confidence":0.948177,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1749279946088791},{"word":"actually","start":1593.1649,"end":1593.485,"confidence":0.99599385,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.17979298532009125},{"word":"up","start":1593.485,"end":1593.6449,"confidence":0.9823682,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13722825050354004},{"word":"in","start":1593.6449,"end":1593.8049,"confidence":0.9952614,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16006001830101013},{"word":"brisbane","start":1593.8049,"end":1594.205,"confidence":0.9998385,"punctuated_word":"Brisbane","sentiment":"neutral","sentiment_score":0.19394998252391815},{"word":"at","start":1594.205,"end":1594.365,"confidence":0.9871552,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10181756317615508},{"word":"the","start":1594.365,"end":1594.445,"confidence":0.9994778,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12733213603496552},{"word":"moment","start":1594.445,"end":1594.845,"confidence":0.997437,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.14779387414455414},{"word":"working","start":1594.845,"end":1595.345,"confidence":0.9051168,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.13648757338523865},{"word":"yeah","start":1597.565,"end":1597.885,"confidence":0.99344814,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05026070773601532},{"word":"yeah","start":1597.885,"end":1598.205,"confidence":0.95535946,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04580621048808098},{"word":"that","start":1598.205,"end":1598.445,"confidence":0.34884432,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.04444493353366852},{"word":"port","start":1598.445,"end":1598.6849,"confidence":0.18105137,"punctuated_word":"port","sentiment":"neutral","sentiment_score":0.04042075574398041},{"word":"is","start":1598.6849,"end":1598.845,"confidence":0.5098627,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02488472126424313},{"word":"up","start":1598.845,"end":1599.005,"confidence":0.9125834,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02942185290157795},{"word":"here","start":1599.005,"end":1599.245,"confidence":0.95131725,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.04401932284235954},{"word":"because","start":1599.245,"end":1599.6449,"confidence":0.71698844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03109225071966648},{"word":"it's","start":1599.6449,"end":1600.1449,"confidence":0.7571697,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.034833669662475586},{"word":"but","start":1601.095,"end":1601.595,"confidence":0.4542278,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02949141338467598},{"word":"it's","start":1601.86,"end":1602.1,"confidence":0.9930731,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0076297735795378685},{"word":"worth","start":1602.1,"end":1602.4199,"confidence":0.7344806,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.006043843924999237},{"word":"having","start":1602.4199,"end":1602.6599,"confidence":0.3176014,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.008730389177799225},{"word":"a","start":1602.6599,"end":1602.74,"confidence":0.67152673,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01592119410634041},{"word":"little","start":1602.74,"end":1603.24,"confidence":0.45756817,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.02834685891866684},{"word":"busy","start":1603.62,"end":1603.94,"confidence":0.49751362,"punctuated_word":"busy.","sentiment":"neutral","sentiment_score":0.051183462142944336},{"word":"everything's","start":1603.94,"end":1604.44,"confidence":0.70555675,"punctuated_word":"Everything's","sentiment":"neutral","sentiment_score":0.025646768510341644},{"word":"quite","start":1604.6599,"end":1604.7799,"confidence":0.7855798,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.01741741970181465},{"word":"a","start":1604.7799,"end":1604.8999,"confidence":0.9679382,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01795569434762001},{"word":"bit","start":1604.8999,"end":1605.0599,"confidence":0.9981426,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.019092589616775513},{"word":"crazy","start":1605.0599,"end":1605.5599,"confidence":0.7532252,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":-0.00997466780245304},{"word":"so","start":1606.0199,"end":1606.26,"confidence":0.89660794,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0034667793661355972},{"word":"i","start":1606.26,"end":1606.5,"confidence":0.25986347,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004427432082593441},{"word":"asked","start":1606.5,"end":1607.0,"confidence":0.5132183,"punctuated_word":"asked","sentiment":"neutral","sentiment_score":0.006117246113717556},{"word":"this","start":1607.62,"end":1607.7,"confidence":0.19579397,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.005552005022764206},{"word":"few","start":1607.7,"end":1607.94,"confidence":0.20328084,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.01470714434981346},{"word":"of","start":1607.94,"end":1608.1,"confidence":0.9925237,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01505620963871479},{"word":"us","start":1608.1,"end":1608.34,"confidence":0.96211845,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.026497170329093933},{"word":"newcastle","start":1608.34,"end":1608.82,"confidence":0.58660173,"punctuated_word":"Newcastle","sentiment":"neutral","sentiment_score":0.02887144312262535},{"word":"bikes","start":1608.82,"end":1609.1399,"confidence":0.6490501,"punctuated_word":"bikes","sentiment":"neutral","sentiment_score":0.024066828191280365},{"word":"to","start":1609.1399,"end":1609.22,"confidence":0.5866007,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023545656353235245},{"word":"come","start":1609.22,"end":1609.38,"confidence":0.9992029,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.024954697117209435},{"word":"up","start":1609.38,"end":1609.62,"confidence":0.98699397,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02431545779109001},{"word":"in","start":1609.62,"end":1610.12,"confidence":0.68284833,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.024385683238506317},{"word":"okay","start":1610.82,"end":1611.32,"confidence":0.71800697,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06059132516384125},{"word":"yeah","start":1621.965,"end":1622.445,"confidence":0.8378668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024238739162683487},{"word":"yep","start":1622.445,"end":1622.945,"confidence":0.92283094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0260641910135746},{"word":"yes","start":1633.79,"end":1634.03,"confidence":0.9708858,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.024266405031085014},{"word":"that's","start":1634.03,"end":1634.27,"confidence":0.97265023,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.031327225267887115},{"word":"right","start":1634.27,"end":1634.51,"confidence":0.93791676,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.04009266197681427},{"word":"yeah","start":1634.51,"end":1635.01,"confidence":0.74432707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.042512036859989166},{"word":"that's","start":1638.43,"end":1638.67,"confidence":0.8603291,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.02089155465364456},{"word":"alright","start":1638.67,"end":1639.15,"confidence":0.93318653,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.0006688734283670783},{"word":"send","start":1639.15,"end":1639.39,"confidence":0.569877,"punctuated_word":"Send","sentiment":"neutral","sentiment_score":0.009086832404136658},{"word":"them","start":1639.39,"end":1639.89,"confidence":0.91040903,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.012960895895957949},{"word":"alright","start":1650.435,"end":1650.8351,"confidence":0.74272144,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.04585620015859604},{"word":"yeah","start":1650.8351,"end":1651.0751,"confidence":0.9313749,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05229732394218445},{"word":"okay","start":1651.0751,"end":1651.5751,"confidence":0.8852695,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.059893377125263214},{"word":"yep","start":1652.435,"end":1652.935,"confidence":0.69960856,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06129341572523117},{"word":"yeah","start":1656.18,"end":1656.5,"confidence":0.69607365,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023158777505159375},{"word":"yeah","start":1656.5,"end":1656.8201,"confidence":0.8290498,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01996445655822754},{"word":"yeah","start":1656.8201,"end":1657.3201,"confidence":0.8508633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014770310372114182},{"word":"she's","start":1666.1001,"end":1666.42,"confidence":0.74127114,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.018295275047421455},{"word":"younger","start":1666.42,"end":1666.92,"confidence":0.98866606,"punctuated_word":"younger.","sentiment":"neutral","sentiment_score":-0.02212369069457054},{"word":"she's","start":1667.54,"end":1667.78,"confidence":0.97575104,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.016977384686470032},{"word":"got","start":1667.78,"end":1668.02,"confidence":0.6229977,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.015312980860471724},{"word":"12","start":1668.02,"end":1668.52,"confidence":0.99081403,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.008649833500385284},{"word":"years","start":1668.5801,"end":1668.8201,"confidence":0.46210852,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.0057900445535779},{"word":"twelve","start":1668.8201,"end":1669.14,"confidence":0.9617734,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.009093131870031357},{"word":"years","start":1669.14,"end":1669.4601,"confidence":0.99940646,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.014377926476299764},{"word":"younger","start":1669.4601,"end":1669.9601,"confidence":0.99575734,"punctuated_word":"younger.","sentiment":"neutral","sentiment_score":0.02214396744966507},{"word":"she's","start":1671.3,"end":1671.8,"confidence":0.84707016,"punctuated_word":"She's,","sentiment":"neutral","sentiment_score":0.19693860411643985},{"word":"well","start":1673.395,"end":1673.895,"confidence":0.9906467,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2339087426662445},{"word":"she","start":1674.035,"end":1674.435,"confidence":0.9987779,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.2542130649089813},{"word":"probably","start":1674.435,"end":1674.8351,"confidence":0.9845881,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.22494187951087952},{"word":"would","start":1674.8351,"end":1675.0751,"confidence":0.99881566,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.18334554135799408},{"word":"like","start":1675.0751,"end":1675.235,"confidence":0.9506913,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1744837760925293},{"word":"to","start":1675.235,"end":1675.555,"confidence":0.99901533,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14234229922294617},{"word":"retire","start":1675.555,"end":1676.035,"confidence":0.99169487,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.12700606882572174},{"word":"at","start":1676.035,"end":1676.1951,"confidence":0.90033406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10603004693984984},{"word":"the","start":1676.1951,"end":1676.275,"confidence":0.9323426,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15205076336860657},{"word":"same","start":1676.275,"end":1676.5951,"confidence":0.9978016,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.1189671754837036},{"word":"time","start":1676.5951,"end":1676.915,"confidence":0.9376217,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.19545558094978333},{"word":"i","start":1676.915,"end":1677.0751,"confidence":0.99530447,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18334320187568665},{"word":"would","start":1677.0751,"end":1677.235,"confidence":0.9971405,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.13205522298812866},{"word":"say","start":1677.235,"end":1677.555,"confidence":0.7866503,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.16741105914115906},{"word":"but","start":1677.555,"end":1677.9551,"confidence":0.9032024,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.16641360521316528},{"word":"yeah","start":1677.9551,"end":1678.275,"confidence":0.9761286,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08322177827358246},{"word":"just","start":1678.275,"end":1678.5951,"confidence":0.5881921,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06690144538879395},{"word":"depending","start":1678.5951,"end":1678.995,"confidence":0.9916523,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.09512484073638916},{"word":"on","start":1678.995,"end":1679.155,"confidence":0.99778455,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11579276621341704},{"word":"what's","start":1679.155,"end":1679.475,"confidence":0.99885917,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.0914238691329956},{"word":"going","start":1679.475,"end":1679.635,"confidence":0.99570364,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.08100073039531708},{"word":"on","start":1679.635,"end":1680.135,"confidence":0.8259915,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.11880791932344437},{"word":"professional","start":1680.915,"end":1681.415,"confidence":0.64913726,"punctuated_word":"Professional.","sentiment":"positive","sentiment_score":0.35487914085388184},{"word":"yeah","start":1697.74,"end":1698.06,"confidence":0.80200636,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.032826390117406845},{"word":"it's","start":1698.06,"end":1698.38,"confidence":0.99076205,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03000592440366745},{"word":"a","start":1698.38,"end":1698.63,"confidence":0.91947955,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03601153939962387},{"word":"ram","start":1698.63,"end":1699.035,"confidence":0.25578,"punctuated_word":"Ram","sentiment":"neutral","sentiment_score":0.06803020089864731},{"word":"around","start":1699.275,"end":1699.515,"confidence":0.97519946,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.05169648304581642},{"word":"$8,900","start":1699.515,"end":1700.735,"confidence":0.6003026,"punctuated_word":"$8,900.","sentiment":"neutral","sentiment_score":0.04367999732494354},{"word":"yeah","start":1702.9551,"end":1703.4551,"confidence":0.7945919,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0646393820643425},{"word":"yeah","start":1703.755,"end":1703.915,"confidence":0.84105647,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09268230199813844},{"word":"got","start":1703.915,"end":1704.155,"confidence":0.48643118,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.15668988227844238},{"word":"that","start":1704.155,"end":1704.655,"confidence":0.7444935,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.28295934200286865},{"word":"no","start":1717.13,"end":1717.37,"confidence":0.8542871,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.057980772107839584},{"word":"no","start":1717.37,"end":1717.61,"confidence":0.9759576,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07644771039485931},{"word":"i","start":1717.61,"end":1717.6901,"confidence":0.95072854,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08519471436738968},{"word":"don't","start":1717.6901,"end":1718.0901,"confidence":0.94449645,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.0816657617688179},{"word":"i","start":1718.0901,"end":1718.17,"confidence":0.71180564,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07368699461221695},{"word":"forget","start":1718.17,"end":1718.67,"confidence":0.9783225,"punctuated_word":"forget.","sentiment":"neutral","sentiment_score":-0.049511395394802094},{"word":"and","start":1727.995,"end":1728.155,"confidence":0.43020284,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.015875106677412987},{"word":"yeah","start":1728.235,"end":1728.475,"confidence":0.97409433,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.029065076261758804},{"word":"yeah","start":1728.475,"end":1728.975,"confidence":0.9957123,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05618150532245636},{"word":"pretty","start":1729.035,"end":1729.355,"confidence":0.46578366,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.07021871209144592},{"word":"sure","start":1729.355,"end":1729.515,"confidence":0.99444073,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.03696049377322197},{"word":"she's","start":1729.515,"end":1729.755,"confidence":0.63299197,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.04802943393588066},{"word":"got","start":1729.755,"end":1729.995,"confidence":0.98852587,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04915832355618477},{"word":"something","start":1729.995,"end":1730.475,"confidence":0.98369944,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.025950349867343903},{"word":"i'm","start":1730.475,"end":1730.715,"confidence":0.9417314,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02075111493468285},{"word":"just","start":1730.715,"end":1731.215,"confidence":0.999156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02087478339672089},{"word":"it's","start":1732.155,"end":1732.475,"confidence":0.9806155,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03428218513727188},{"word":"not","start":1732.475,"end":1732.635,"confidence":0.99021333,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.034256286919116974},{"word":"it's","start":1732.635,"end":1732.795,"confidence":0.99123037,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.046496808528900146},{"word":"not","start":1732.795,"end":1732.915,"confidence":0.9972281,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0549837127327919},{"word":"a","start":1732.915,"end":1733.035,"confidence":0.85044867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05980123206973076},{"word":"lot","start":1733.035,"end":1733.275,"confidence":0.9769744,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.04724707081913948},{"word":"either","start":1733.275,"end":1733.595,"confidence":0.80110973,"punctuated_word":"either,","sentiment":"neutral","sentiment_score":-0.06013672426342964},{"word":"i","start":1733.595,"end":1733.675,"confidence":0.96712744,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05437774583697319},{"word":"don't","start":1733.675,"end":1733.915,"confidence":0.9872097,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06086583435535431},{"word":"think","start":1733.915,"end":1734.415,"confidence":0.8737204,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":-0.04983409494161606},{"word":"but","start":1734.475,"end":1734.975,"confidence":0.9355024,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.00888855755329132},{"word":"yeah","start":1737.355,"end":1737.855,"confidence":0.9906181,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.012430205009877682},{"word":"yeah","start":1738.955,"end":1739.275,"confidence":0.9983305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0232740119099617},{"word":"i'm","start":1739.275,"end":1739.515,"confidence":0.9966,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0001716601400403306},{"word":"not","start":1739.515,"end":1739.73,"confidence":0.9970336,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.023579301312565804},{"word":"sure","start":1739.8099,"end":1740.3099,"confidence":0.9995258,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.030615007504820824},{"word":"yeah","start":1751.01,"end":1751.51,"confidence":0.8189175,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02290651947259903},{"word":"i","start":1752.04,"end":1752.29,"confidence":0.7024616,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03373907133936882},{"word":"i","start":1752.29,"end":1752.45,"confidence":0.3335494,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03560487553477287},{"word":"maybe","start":1752.45,"end":1752.95,"confidence":0.42273423,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.045285530388355255},{"word":"i","start":1755.535,"end":1755.6951,"confidence":0.94282967,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030367493629455566},{"word":"don't","start":1755.6951,"end":1756.015,"confidence":0.9103834,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0997605323791504},{"word":"know","start":1756.015,"end":1756.255,"confidence":0.9086142,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07482551038265228},{"word":"for","start":1756.255,"end":1756.415,"confidence":0.7921114,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07598303258419037},{"word":"sure","start":1756.415,"end":1756.915,"confidence":0.9983898,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.06566152721643448},{"word":"i'd","start":1757.375,"end":1757.4551,"confidence":0.9826122,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.03551624342799187},{"word":"say","start":1757.4551,"end":1757.9551,"confidence":0.9931502,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.03108954429626465},{"word":"i'd","start":1758.255,"end":1758.495,"confidence":0.95329076,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.025033753365278244},{"word":"say","start":1758.495,"end":1758.735,"confidence":0.97199464,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.028688320890069008},{"word":"the","start":1758.735,"end":1758.975,"confidence":0.946384,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022115178406238556},{"word":"south","start":1758.975,"end":1759.295,"confidence":0.8123049,"punctuated_word":"South","sentiment":"neutral","sentiment_score":-0.018457885831594467},{"word":"side","start":1759.295,"end":1759.535,"confidence":0.93291485,"punctuated_word":"Side","sentiment":"neutral","sentiment_score":-0.017665917053818703},{"word":"maybe","start":1759.535,"end":1760.035,"confidence":0.7622752,"punctuated_word":"maybe.","sentiment":"neutral","sentiment_score":-0.019716201350092888},{"word":"yeah","start":1767.79,"end":1767.87,"confidence":0.8708747,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04352162778377533},{"word":"that's","start":1767.87,"end":1768.37,"confidence":0.636886,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.056335173547267914},{"word":"it","start":1774.91,"end":1775.41,"confidence":0.76868993,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.02671700343489647},{"word":"no","start":1800.36,"end":1800.6,"confidence":0.95706314,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12461715936660768},{"word":"it's","start":1800.6,"end":1800.76,"confidence":0.76389277,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09407051652669908},{"word":"alright","start":1800.76,"end":1801.26,"confidence":0.90328836,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.05818317085504532},{"word":"oh","start":1802.04,"end":1802.28,"confidence":0.6019713,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.09126477688550948},{"word":"they're","start":1802.28,"end":1802.52,"confidence":0.6309157,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.08824367821216583},{"word":"not","start":1802.52,"end":1803.02,"confidence":0.94350207,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.05286210775375366},{"word":"well","start":1834.49,"end":1834.57,"confidence":0.7626215,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.0777069479227066},{"word":"that","start":1834.57,"end":1834.8099,"confidence":0.9956007,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1136617511510849},{"word":"one","start":1834.8099,"end":1835.13,"confidence":0.8765811,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.12409406900405884},{"word":"that's","start":1835.13,"end":1835.45,"confidence":0.70720136,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.19965246319770813},{"word":"probably","start":1835.45,"end":1835.95,"confidence":0.9820415,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2398737370967865},{"word":"gone","start":1836.01,"end":1836.25,"confidence":0.9466867,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.25091230869293213},{"word":"now","start":1836.25,"end":1836.57,"confidence":0.93998027,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.21604351699352264},{"word":"we've","start":1836.57,"end":1836.73,"confidence":0.89921546,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.1294371485710144},{"word":"got","start":1836.73,"end":1836.97,"confidence":0.9996456,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.13848808407783508},{"word":"another","start":1836.97,"end":1837.29,"confidence":0.99987125,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.09780948609113692},{"word":"one","start":1837.29,"end":1837.79,"confidence":0.99652684,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.07336801290512085},{"word":"it's","start":1839.29,"end":1839.585,"confidence":0.9672433,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.00899871438741684},{"word":"it's","start":1840.465,"end":1840.705,"confidence":0.8676394,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.009647229686379433},{"word":"probably","start":1840.705,"end":1841.0249,"confidence":0.99881625,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.015130145475268364},{"word":"up","start":1841.0249,"end":1841.265,"confidence":0.9830624,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.012016700580716131},{"word":"around","start":1841.265,"end":1841.765,"confidence":0.93777275,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.006519084796309471},{"word":"20","start":1842.5449,"end":1842.865,"confidence":0.9965676,"punctuated_word":"20","sentiment":"neutral","sentiment_score":-0.004337219521403313},{"word":"right","start":1842.865,"end":1843.1849,"confidence":0.35696232,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.010661019012331964},{"word":"now","start":1843.1849,"end":1843.6649,"confidence":0.99979585,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.016489392146468163},{"word":"or","start":1843.6649,"end":1843.9049,"confidence":0.7791483,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.016560431569814682},{"word":"maybe","start":1843.9049,"end":1844.225,"confidence":0.98956865,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.01195448637008667},{"word":"15","start":1844.225,"end":1844.725,"confidence":0.99120605,"punctuated_word":"15.","sentiment":"neutral","sentiment_score":0.00018995720893144608},{"word":"this","start":1849.1849,"end":1849.345,"confidence":0.9042533,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.00924588181078434},{"word":"one","start":1849.345,"end":1849.585,"confidence":0.9497297,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.00708886981010437},{"word":"is","start":1849.585,"end":1849.6649,"confidence":0.58289534,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007997093722224236},{"word":"colorado","start":1849.6649,"end":1850.1649,"confidence":0.9953068,"punctuated_word":"Colorado","sentiment":"neutral","sentiment_score":0.02106742560863495},{"word":"'20","start":1851.9299,"end":1852.4299,"confidence":0.9935974,"punctuated_word":"'20","sentiment":"neutral","sentiment_score":0.09399785101413728},{"word":"'20","start":1855.35,"end":1855.85,"confidence":0.9744752,"punctuated_word":"'20","sentiment":"neutral","sentiment_score":0.060288719832897186},{"word":"'16","start":1858.77,"end":1859.27,"confidence":0.99832255,"punctuated_word":"'16","sentiment":"neutral","sentiment_score":0.04207249730825424},{"word":"world","start":1862.19,"end":1862.69,"confidence":0.6481013,"punctuated_word":"World.","sentiment":"neutral","sentiment_score":0.016783611848950386},{"word":"yeah","start":1865.61,"end":1866.09,"confidence":0.88476145,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02376702800393105},{"word":"yep","start":1866.09,"end":1866.495,"confidence":0.9801965,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.028450611978769302},{"word":"not","start":1871.375,"end":1871.775,"confidence":0.72572607,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.05961716547608375},{"word":"not","start":1871.775,"end":1872.015,"confidence":0.70666766,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06242989003658295},{"word":"as","start":1872.015,"end":1872.335,"confidence":0.9949215,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07044313102960587},{"word":"much","start":1872.335,"end":1872.495,"confidence":0.9942433,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03342128172516823},{"word":"as","start":1872.495,"end":1872.655,"confidence":0.99010605,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05389755964279175},{"word":"i","start":1872.655,"end":1873.155,"confidence":0.99592125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0476875826716423},{"word":"should","start":1873.775,"end":1874.175,"confidence":0.83671963,"punctuated_word":"should,","sentiment":"neutral","sentiment_score":-0.029310788959264755},{"word":"but","start":1874.175,"end":1874.675,"confidence":0.9717386,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0016322620213031769},{"word":"every","start":1875.775,"end":1876.015,"confidence":0.7874387,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.030745502561330795},{"word":"chance","start":1876.015,"end":1876.335,"confidence":0.9980756,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.0007933527231216431},{"word":"i","start":1876.335,"end":1876.495,"confidence":0.9820216,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014249783009290695},{"word":"get","start":1876.495,"end":1876.995,"confidence":0.9739802,"punctuated_word":"get.","sentiment":"neutral","sentiment_score":0.00863083079457283},{"word":"oh","start":1888.99,"end":1889.15,"confidence":0.73237395,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.006933881901204586},{"word":"i","start":1889.15,"end":1889.23,"confidence":0.9825204,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011970391497015951},{"word":"think","start":1889.23,"end":1889.47,"confidence":0.9986877,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.014146687462925913},{"word":"it's","start":1889.47,"end":1889.79,"confidence":0.97681123,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.01483827829360962},{"word":"still","start":1889.79,"end":1889.87,"confidence":0.9388846,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.020030373707413673},{"word":"yeah","start":1891.395,"end":1891.515,"confidence":0.7388323,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0034979162737727165},{"word":"it","start":1891.515,"end":1891.635,"confidence":0.8005613,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.00637715682387352},{"word":"should","start":1891.635,"end":1892.035,"confidence":0.99533135,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.015041381120681764},{"word":"be","start":1892.035,"end":1892.1951,"confidence":0.9985733,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.001588735729455948},{"word":"the","start":1892.1951,"end":1892.355,"confidence":0.94522625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004001392051577568},{"word":"store","start":1892.355,"end":1892.675,"confidence":0.4842531,"punctuated_word":"store","sentiment":"neutral","sentiment_score":0.001210775226354599},{"word":"in","start":1892.675,"end":1892.755,"confidence":0.33858067,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.002888428047299385},{"word":"there","start":1892.755,"end":1892.915,"confidence":0.7586696,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0012054229155182838},{"word":"yeah","start":1892.915,"end":1893.415,"confidence":0.9889486,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003767023794353008},{"word":"you","start":1911.54,"end":1911.7001,"confidence":0.5073389,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.04130661487579346},{"word":"know","start":1911.7001,"end":1911.9401,"confidence":0.93651676,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03510436415672302},{"word":"that","start":1911.9401,"end":1912.18,"confidence":0.99797887,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04019387811422348},{"word":"one's","start":1912.18,"end":1912.42,"confidence":0.98256457,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.050108544528484344},{"word":"gone","start":1912.42,"end":1912.8201,"confidence":0.6306675,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.0657275915145874},{"word":"too","start":1912.8201,"end":1913.2201,"confidence":0.83081806,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":-0.039751842617988586},{"word":"but","start":1913.2201,"end":1913.6201,"confidence":0.9974909,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.031105689704418182},{"word":"the","start":1913.6201,"end":1913.8601,"confidence":0.9983204,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04429568350315094},{"word":"other","start":1913.8601,"end":1914.02,"confidence":0.99887866,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.030618680641055107},{"word":"one","start":1914.02,"end":1914.42,"confidence":0.99930847,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.02567012794315815},{"word":"is","start":1914.42,"end":1914.92,"confidence":0.99721056,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02551847882568836},{"word":"a","start":1915.4601,"end":1915.7001,"confidence":0.91613114,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016595305874943733},{"word":"new","start":1915.7001,"end":1915.8601,"confidence":0.8017289,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.026702165603637695},{"word":"one","start":1915.8601,"end":1916.3401,"confidence":0.9906525,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.022894104942679405},{"word":"it's","start":1916.3401,"end":1916.8401,"confidence":0.99953985,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.022618120536208153},{"word":"probably","start":1916.9,"end":1917.38,"confidence":0.9861714,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.02206248976290226},{"word":"around","start":1917.38,"end":1917.7001,"confidence":0.99669576,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.011246800422668455},{"word":"the","start":1917.7001,"end":1917.8601,"confidence":0.7988308,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019605539739131927},{"word":"50","start":1917.8601,"end":1918.3601,"confidence":0.76432157,"punctuated_word":"50,","sentiment":"neutral","sentiment_score":-0.01612766459584236},{"word":"and","start":1919.0449,"end":1919.525,"confidence":0.9993493,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.025708798319101337},{"word":"and","start":1919.525,"end":1919.605,"confidence":0.9159989,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02427462860941887},{"word":"we","start":1919.605,"end":1919.765,"confidence":0.9930057,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06410785019397736},{"word":"owe","start":1919.765,"end":1920.005,"confidence":0.7467444,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.0664445161819458},{"word":"we","start":1920.005,"end":1920.245,"confidence":0.91616696,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08308961987495422},{"word":"owe","start":1920.245,"end":1920.405,"confidence":0.9988293,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.07073594629764557},{"word":"a","start":1920.405,"end":1920.565,"confidence":0.9973194,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06099870800971985},{"word":"little","start":1920.565,"end":1920.725,"confidence":0.9998636,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04117453470826149},{"word":"bit","start":1920.725,"end":1920.885,"confidence":0.99926525,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.047288525849580765},{"word":"on","start":1920.885,"end":1921.0449,"confidence":0.9990115,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.058923810720443726},{"word":"it","start":1921.0449,"end":1921.205,"confidence":0.9385923,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.04852927848696709},{"word":"so","start":1921.205,"end":1921.705,"confidence":0.9968465,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006882810965180397},{"word":"that","start":1921.845,"end":1922.085,"confidence":0.95642126,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0025511011481285095},{"word":"was","start":1922.085,"end":1922.325,"confidence":0.9997781,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01126723550260067},{"word":"another","start":1922.325,"end":1922.645,"confidence":0.9997435,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.012971262447535992},{"word":"question","start":1922.645,"end":1923.145,"confidence":0.99922955,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.01458149030804634},{"word":"i","start":1923.285,"end":1923.605,"confidence":0.9965076,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01738450676202774},{"word":"i","start":1923.605,"end":1924.005,"confidence":0.986219,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01321564707905054},{"word":"had","start":1924.005,"end":1924.505,"confidence":0.9939271,"punctuated_word":"had.","sentiment":"neutral","sentiment_score":-0.015945613384246826},{"word":"would","start":1925.365,"end":1925.6849,"confidence":0.9905476,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.16950680315494537},{"word":"i","start":1925.6849,"end":1926.1649,"confidence":0.9994405,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22314082086086273},{"word":"be","start":1926.1649,"end":1926.325,"confidence":0.9974612,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2134108394384384},{"word":"able","start":1926.325,"end":1926.565,"confidence":0.9971935,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2498254626989365},{"word":"to","start":1926.565,"end":1926.725,"confidence":0.99558866,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28140023350715637},{"word":"get","start":1926.725,"end":1927.225,"confidence":0.9995683,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24610713124275208},{"word":"some","start":1928.645,"end":1928.8049,"confidence":0.83228517,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.17934195697307587},{"word":"money","start":1928.8049,"end":1929.125,"confidence":0.9998443,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1866747289896011},{"word":"out","start":1929.125,"end":1929.365,"confidence":0.4226053,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2137016654014587},{"word":"to","start":1929.365,"end":1929.445,"confidence":0.95724404,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20495395362377167},{"word":"pay","start":1929.445,"end":1929.6849,"confidence":0.99183184,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.15067611634731293},{"word":"towards","start":1929.6849,"end":1930.085,"confidence":0.98315847,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.16065554320812225},{"word":"that","start":1930.085,"end":1930.325,"confidence":0.9946254,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14300596714019775},{"word":"debt","start":1930.325,"end":1930.825,"confidence":0.9898989,"punctuated_word":"debt?","sentiment":"neutral","sentiment_score":0.11840768158435822},{"word":"yeah","start":1972.19,"end":1972.59,"confidence":0.95833504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05234207585453987},{"word":"yeah","start":1972.59,"end":1973.09,"confidence":0.9180796,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05913763865828514},{"word":"it's","start":1973.3099,"end":1973.47,"confidence":0.83628845,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07780948281288147},{"word":"just","start":1973.47,"end":1973.97,"confidence":0.9636199,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08840136229991913},{"word":"just","start":1974.485,"end":1974.645,"confidence":0.9876803,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10257232189178468},{"word":"to","start":1974.645,"end":1974.805,"confidence":0.9913623,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07546204328536987},{"word":"reduce","start":1974.805,"end":1975.2051,"confidence":0.99769646,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.051272064447402954},{"word":"that","start":1975.2051,"end":1975.365,"confidence":0.9847209,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025723807513713837},{"word":"debt","start":1975.365,"end":1975.605,"confidence":0.982291,"punctuated_word":"debt,","sentiment":"neutral","sentiment_score":-0.01740385964512825},{"word":"i","start":1975.605,"end":1975.685,"confidence":0.99967706,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026446308940649033},{"word":"guess","start":1975.685,"end":1976.005,"confidence":0.8057414,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.02082633040845394},{"word":"but","start":1976.005,"end":1976.505,"confidence":0.9818793,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.01375393569469452},{"word":"the","start":1976.9651,"end":1977.125,"confidence":0.99756444,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006872987374663353},{"word":"plan","start":1977.125,"end":1977.365,"confidence":0.99046665,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.005988378077745438},{"word":"is","start":1977.365,"end":1977.605,"confidence":0.9979724,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00708775594830513},{"word":"to","start":1977.605,"end":1977.685,"confidence":0.9956208,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0197262242436409},{"word":"pay","start":1977.685,"end":1977.925,"confidence":0.97044164,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.013971619307994844},{"word":"it","start":1977.925,"end":1978.005,"confidence":0.9869985,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.001941204071044922},{"word":"off","start":1978.005,"end":1978.505,"confidence":0.9802335,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.006662722676992416},{"word":"what","start":1984.245,"end":1984.485,"confidence":0.9640052,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.018179964274168015},{"word":"is","start":1984.485,"end":1984.645,"confidence":0.992968,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.021876893937587735},{"word":"it","start":1984.645,"end":1985.145,"confidence":0.9248204,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.016653280705213547},{"word":"jeez","start":1987.125,"end":1987.365,"confidence":0.9034183,"punctuated_word":"Jeez.","sentiment":"neutral","sentiment_score":-0.016263112425804138},{"word":"i'm","start":1987.365,"end":1987.525,"confidence":0.997733,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.045743830502033234},{"word":"not","start":1987.525,"end":1987.685,"confidence":0.99062353,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08132719248533249},{"word":"sure","start":1987.685,"end":1987.925,"confidence":0.9940572,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.07101455330848694},{"word":"now","start":1987.925,"end":1988.0851,"confidence":0.9084295,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.07809184491634369},{"word":"it's","start":1988.0851,"end":1988.3251,"confidence":0.9786272,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03792312368750572},{"word":"about","start":1988.3251,"end":1988.5651,"confidence":0.97198236,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04259065166115761},{"word":"$40.45","start":1988.5651,"end":1991.86,"confidence":0.9936015,"punctuated_word":"$40.45.","sentiment":"neutral","sentiment_score":-0.0361572727560997},{"word":"i'll","start":1991.86,"end":1992.1001,"confidence":0.83031774,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.03009399026632309},{"word":"have","start":1992.1001,"end":1992.18,"confidence":0.9975635,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02761523239314556},{"word":"to","start":1992.18,"end":1992.26,"confidence":0.9993376,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02703588455915451},{"word":"look","start":1992.26,"end":1992.42,"confidence":0.9989686,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.030320879071950912},{"word":"at","start":1992.42,"end":1992.5801,"confidence":0.9932948,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04141087085008621},{"word":"it","start":1992.5801,"end":1993.0801,"confidence":0.99415016,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03308520093560219},{"word":"it's","start":1998.74,"end":1998.98,"confidence":0.9521524,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.023628678172826767},{"word":"a","start":1998.98,"end":1999.2201,"confidence":0.6930035,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014827772974967957},{"word":"i","start":1999.4601,"end":1999.7001,"confidence":0.6889452,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01579858362674713},{"word":"see","start":1999.7001,"end":2000.02,"confidence":0.8628765,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.01987183280289173},{"word":"the","start":2000.02,"end":2000.26,"confidence":0.9034782,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024744050577282906},{"word":"m","start":2000.26,"end":2000.42,"confidence":0.42129254,"punctuated_word":"m","sentiment":"neutral","sentiment_score":0.02660607174038887},{"word":"u","start":2000.42,"end":2000.5801,"confidence":0.5879054,"punctuated_word":"u","sentiment":"neutral","sentiment_score":0.024203497916460037},{"word":"x","start":2000.5801,"end":2001.0801,"confidence":0.94585776,"punctuated_word":"x.","sentiment":"neutral","sentiment_score":0.016089700162410736},{"word":"yeah","start":2005.455,"end":2005.955,"confidence":0.9957148,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1436021327972412},{"word":"'22","start":2008.255,"end":2008.895,"confidence":0.9745498,"punctuated_word":"'22","sentiment":"neutral","sentiment_score":0.05098994821310043},{"word":"model","start":2008.895,"end":2009.2949,"confidence":0.96936953,"punctuated_word":"model.","sentiment":"neutral","sentiment_score":0.06970968842506409},{"word":"yeah","start":2009.2949,"end":2009.7949,"confidence":0.99611866,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1025453507900238},{"word":"it's","start":2010.4149,"end":2010.655,"confidence":0.48111188,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1449764370918274},{"word":"just","start":2010.655,"end":2010.975,"confidence":0.9684391,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10367801785469057},{"word":"yeah","start":2011.0549,"end":2011.455,"confidence":0.99059355,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.11267323791980743},{"word":"we","start":2011.455,"end":2011.615,"confidence":0.5691239,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.22203180193901065},{"word":"should've","start":2011.615,"end":2012.115,"confidence":0.5139839,"punctuated_word":"should've","sentiment":"neutral","sentiment_score":0.2132582664489746},{"word":"needed","start":2012.975,"end":2013.375,"confidence":0.90451354,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.1654311716556549},{"word":"a","start":2013.375,"end":2013.455,"confidence":0.8921636,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14290623366832733},{"word":"car","start":2013.455,"end":2013.775,"confidence":0.98449916,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.12340591102838516},{"word":"at","start":2013.775,"end":2013.9349,"confidence":0.99329114,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11090673506259918},{"word":"the","start":2013.9349,"end":2014.015,"confidence":0.783127,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08468376100063324},{"word":"time","start":2014.015,"end":2014.255,"confidence":0.99947315,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1003156080842018},{"word":"and","start":2014.255,"end":2014.755,"confidence":0.80998397,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08545900136232376},{"word":"probably","start":2015.13,"end":2015.37,"confidence":0.96762353,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.09638508409261703},{"word":"went","start":2015.37,"end":2015.61,"confidence":0.8740553,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.14176245033740997},{"word":"a","start":2015.61,"end":2015.85,"confidence":0.96347976,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10189882665872574},{"word":"bit","start":2015.85,"end":2016.33,"confidence":0.9959686,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.055748701095581055},{"word":"bit","start":2016.33,"end":2016.5701,"confidence":0.88767916,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05966966599225998},{"word":"more","start":2016.5701,"end":2016.73,"confidence":0.9993705,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.14636114239692688},{"word":"than","start":2016.73,"end":2017.23,"confidence":0.9992762,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.17770299315452576},{"word":"i","start":2017.93,"end":2018.01,"confidence":0.9301802,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2202455997467041},{"word":"wanted","start":2018.01,"end":2018.33,"confidence":0.41423413,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.11180032044649124},{"word":"to","start":2018.33,"end":2018.83,"confidence":0.8303422,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.14278949797153473},{"word":"but","start":2019.13,"end":2019.63,"confidence":0.9988971,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.18258696794509888},{"word":"it","start":2020.25,"end":2020.41,"confidence":0.9100978,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3608338236808777},{"word":"was","start":2020.41,"end":2020.65,"confidence":0.9997191,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.3191678822040558},{"word":"a","start":2020.65,"end":2020.73,"confidence":0.9993241,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3735153079032898},{"word":"good","start":2020.73,"end":2020.97,"confidence":0.99973696,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3521515727043152},{"word":"car","start":2020.97,"end":2021.29,"confidence":0.96596116,"punctuated_word":"car.","sentiment":"neutral","sentiment_score":0.2735069990158081},{"word":"so","start":2021.29,"end":2021.79,"confidence":0.9763089,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15212960541248322},{"word":"yeah","start":2023.37,"end":2023.77,"confidence":0.9903723,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.21061113476753235},{"word":"it's","start":2023.77,"end":2024.27,"confidence":0.9049719,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.283307820558548},{"word":"yeah","start":2024.65,"end":2024.97,"confidence":0.989149,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2674380838871002},{"word":"just","start":2024.97,"end":2025.21,"confidence":0.78627306,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.2464580684900284},{"word":"give","start":2025.21,"end":2025.37,"confidence":0.85476315,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.22636722028255463},{"word":"us","start":2025.37,"end":2025.53,"confidence":0.43050992,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.25131499767303467},{"word":"something","start":2025.53,"end":2025.93,"confidence":0.96011126,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2463548481464386},{"word":"a","start":2025.93,"end":2026.09,"confidence":0.9747808,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20785367488861084},{"word":"bit","start":2026.09,"end":2026.25,"confidence":0.9990895,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18860962986946103},{"word":"more","start":2026.25,"end":2026.75,"confidence":0.99883217,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2005334496498108},{"word":"reliable","start":2027.895,"end":2028.295,"confidence":0.9960932,"punctuated_word":"reliable","sentiment":"neutral","sentiment_score":0.20178869366645813},{"word":"and","start":2028.295,"end":2028.795,"confidence":0.95348364,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24455659091472623},{"word":"all","start":2029.4951,"end":2029.655,"confidence":0.6235445,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.22682416439056396},{"word":"that","start":2029.655,"end":2030.155,"confidence":0.9577925,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18560591340065},{"word":"so","start":2030.6951,"end":2031.015,"confidence":0.98881334,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18229138851165771},{"word":"i","start":2031.015,"end":2031.0951,"confidence":0.74375993,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18312622606754303},{"word":"just","start":2031.0951,"end":2031.415,"confidence":0.847478,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18777728080749512},{"word":"said","start":2031.415,"end":2031.655,"confidence":0.10791004,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.1942816823720932},{"word":"it","start":2031.655,"end":2031.7351,"confidence":0.35875928,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2514418959617615},{"word":"is","start":2031.7351,"end":2031.895,"confidence":0.5512941,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18965499103069303},{"word":"at","start":2031.895,"end":2032.055,"confidence":0.8349849,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20571063458919525},{"word":"the","start":2032.055,"end":2032.2151,"confidence":0.9328127,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2034280896186829},{"word":"time","start":2032.2151,"end":2032.375,"confidence":0.9921226,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.21201534569263455},{"word":"and","start":2032.375,"end":2032.875,"confidence":0.6288119,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14048415422439575},{"word":"and","start":2034.135,"end":2034.295,"confidence":0.42646745,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16530999541282654},{"word":"just","start":2034.295,"end":2034.535,"confidence":0.92548937,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2165372222661972},{"word":"working","start":2034.535,"end":2034.8551,"confidence":0.7512315,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.20951181650161743},{"word":"on","start":2034.8551,"end":2035.015,"confidence":0.99887294,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2305440604686737},{"word":"paying","start":2035.015,"end":2035.255,"confidence":0.9901288,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.22005274891853333},{"word":"that","start":2035.255,"end":2035.4951,"confidence":0.97409636,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2352329045534134},{"word":"off","start":2035.4951,"end":2035.9951,"confidence":0.9928396,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.18959112465381625},{"word":"as","start":2036.135,"end":2036.2151,"confidence":0.8384545,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2646951675415039},{"word":"quick","start":2036.2151,"end":2036.4551,"confidence":0.9935999,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2166806161403656},{"word":"as","start":2036.4551,"end":2036.6151,"confidence":0.9991755,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17097333073616028},{"word":"possible","start":2036.6151,"end":2037.1151,"confidence":0.9991262,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.17437313497066498},{"word":"yep","start":2072.33,"end":2072.83,"confidence":0.875056,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15404847264289856},{"word":"yeah","start":2140.145,"end":2140.465,"confidence":0.7756113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18641898036003113},{"word":"that's","start":2140.465,"end":2140.945,"confidence":0.97734106,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2444137930870056},{"word":"yeah","start":2141.0251,"end":2141.5251,"confidence":0.98734355,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2923462390899658},{"word":"it","start":2142.5452,"end":2142.705,"confidence":0.5130705,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.43127578496932983},{"word":"would","start":2142.705,"end":2143.0251,"confidence":0.99285287,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.46554335951805115},{"word":"be","start":2143.0251,"end":2143.3853,"confidence":0.99967694,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.39028337597846985},{"word":"i","start":2143.745,"end":2143.985,"confidence":0.9923489,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.45405101776123047},{"word":"think","start":2143.985,"end":2144.385,"confidence":0.99912125,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.452391654253006},{"word":"the","start":2144.385,"end":2144.465,"confidence":0.51639223,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4525839388370514},{"word":"way","start":2144.465,"end":2144.705,"confidence":0.98478115,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3802141547203064},{"word":"it","start":2144.705,"end":2144.7852,"confidence":0.50272155,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4525876045227051},{"word":"goes","start":2144.7852,"end":2145.185,"confidence":0.70318145,"punctuated_word":"goes.","sentiment":"positive","sentiment_score":0.4311993420124054},{"word":"because","start":2145.185,"end":2145.425,"confidence":0.48267213,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.3244459927082062},{"word":"i","start":2145.425,"end":2145.5852,"confidence":0.97728026,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.41212624311447144},{"word":"think","start":2145.5852,"end":2146.0852,"confidence":0.9995658,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.37385308742523193},{"word":"overall","start":2146.3052,"end":2146.8052,"confidence":0.63909966,"punctuated_word":"overall,","sentiment":"positive","sentiment_score":0.4437825083732605},{"word":"it","start":2146.865,"end":2147.0251,"confidence":0.9677645,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.520691454410553},{"word":"would","start":2147.0251,"end":2147.185,"confidence":0.99901426,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.5046533942222595},{"word":"be","start":2147.185,"end":2147.425,"confidence":0.9993687,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5369935631752014},{"word":"better","start":2147.425,"end":2147.745,"confidence":0.9996574,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.3596046566963196},{"word":"to","start":2147.745,"end":2147.905,"confidence":0.999143,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.492360383272171},{"word":"reduce","start":2147.905,"end":2148.385,"confidence":0.9971929,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.18071503937244415},{"word":"that","start":2148.385,"end":2148.865,"confidence":0.9816104,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.344522088766098},{"word":"debt","start":2148.865,"end":2149.365,"confidence":0.9902328,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.03107532858848572},{"word":"as","start":2149.425,"end":2149.5852,"confidence":0.8488629,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.40217068791389465},{"word":"quick","start":2149.5852,"end":2149.905,"confidence":0.9820795,"punctuated_word":"quick","sentiment":"positive","sentiment_score":0.4292281866073608},{"word":"as","start":2149.905,"end":2149.985,"confidence":0.9984226,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24663858115673065},{"word":"possible","start":2149.985,"end":2150.485,"confidence":0.8688222,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.27429455518722534},{"word":"but","start":2153.1199,"end":2153.3599,"confidence":0.96495783,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.18392246961593628},{"word":"is","start":2153.3599,"end":2153.5198,"confidence":0.99149114,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14575304090976715},{"word":"it","start":2153.5198,"end":2153.68,"confidence":0.99663687,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3265640139579773},{"word":"is","start":2153.68,"end":2153.92,"confidence":0.9823101,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.274259090423584},{"word":"it","start":2153.92,"end":2154.24,"confidence":0.99758875,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4066180884838104},{"word":"worth","start":2154.24,"end":2154.5598,"confidence":0.99519354,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.18270348012447357},{"word":"it","start":2154.5598,"end":2154.64,"confidence":0.94292915,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22134330868721008},{"word":"in","start":2154.64,"end":2155.14,"confidence":0.7215542,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.23199407756328583},{"word":"like","start":2155.2798,"end":2155.68,"confidence":0.9619261,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.20677828788757324},{"word":"a","start":2155.68,"end":2155.7598,"confidence":0.6514256,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2888036370277405},{"word":"$100","start":2155.7598,"end":2156.3198,"confidence":0.82137334,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.17577964067459106},{"word":"cents","start":2156.3198,"end":2156.72,"confidence":0.51905185,"punctuated_word":"cents,","sentiment":"neutral","sentiment_score":0.18629567325115204},{"word":"i","start":2156.72,"end":2156.88,"confidence":0.9438574,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22019004821777344},{"word":"guess","start":2156.88,"end":2157.38,"confidence":0.8408164,"punctuated_word":"guess?","sentiment":"neutral","sentiment_score":0.19236400723457336},{"word":"i","start":2157.68,"end":2157.8398,"confidence":0.9916156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1780039668083191},{"word":"guess","start":2157.8398,"end":2158.0798,"confidence":0.99974304,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.2125379741191864},{"word":"it","start":2158.0798,"end":2158.5798,"confidence":0.6079066,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28994476795196533},{"word":"it","start":2158.96,"end":2159.0398,"confidence":0.8077118,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3271086812019348},{"word":"should","start":2159.0398,"end":2159.2798,"confidence":0.99576867,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.3669027388095856},{"word":"be","start":2159.2798,"end":2159.7798,"confidence":0.97042245,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.24970051646232605},{"word":"yes","start":2161.1199,"end":2161.6199,"confidence":0.7207348,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3064509332180023},{"word":"yes","start":2205.7751,"end":2206.17,"confidence":0.98508996,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05002627894282341},{"word":"yes","start":2212.65,"end":2213.15,"confidence":0.75229657,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13618580996990204},{"word":"yes","start":2230.725,"end":2231.225,"confidence":0.9883744,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0581805482506752},{"word":"yeah","start":2276.09,"end":2276.49,"confidence":0.91285235,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04286416620016098},{"word":"yeah","start":2276.49,"end":2276.99,"confidence":0.94672924,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05761868134140968},{"word":"alright","start":2283.895,"end":2284.395,"confidence":0.83889353,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.4132246971130371},{"word":"sounds","start":2287.175,"end":2287.415,"confidence":0.29203877,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.7009978890419006},{"word":"good","start":2287.415,"end":2287.915,"confidence":0.98432946,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.629604697227478},{"word":"yeah","start":2302.2,"end":2302.7,"confidence":0.9555882,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11856714636087418},{"word":"okay","start":2303.16,"end":2303.66,"confidence":0.6987944,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3517102003097534},{"word":"no","start":2314.095,"end":2314.4148,"confidence":0.82657266,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.027455992996692657},{"word":"that's","start":2314.4148,"end":2314.6548,"confidence":0.98073447,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.010618499480187891},{"word":"it","start":2314.6548,"end":2315.135,"confidence":0.97291946,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.01953524723649025},{"word":"that's","start":2315.135,"end":2315.4548,"confidence":0.93537736,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.00761618372052908},{"word":"it","start":2315.4548,"end":2315.82,"confidence":0.9492706,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05039623752236366},{"word":"no","start":2329.1,"end":2329.34,"confidence":0.9401644,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08298692107200623},{"word":"everything's","start":2329.34,"end":2329.84,"confidence":0.93790376,"punctuated_word":"Everything's","sentiment":"neutral","sentiment_score":-0.02585461363196373},{"word":"alright","start":2329.98,"end":2330.3801,"confidence":0.9888882,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.046029865741729736},{"word":"it's","start":2330.3801,"end":2330.535,"confidence":0.95256054,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1882871836423874},{"word":"yeah","start":2330.535,"end":2331.035,"confidence":0.9897181,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.23001793026924133},{"word":"everything's","start":2332.4548,"end":2332.855,"confidence":0.9688368,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.29550930857658386},{"word":"fine","start":2332.855,"end":2333.355,"confidence":0.9980084,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2128869891166687},{"word":"it's","start":2333.575,"end":2333.7349,"confidence":0.8020071,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0883868858218193},{"word":"just","start":2333.7349,"end":2333.9749,"confidence":0.97029334,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0631737932562828},{"word":"really","start":2333.9749,"end":2334.4548,"confidence":0.9922246,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.03971802815794945},{"word":"just","start":2334.4548,"end":2334.6948,"confidence":0.776749,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06596944481134415},{"word":"a","start":2334.6948,"end":2335.1948,"confidence":0.96874183,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11130410432815552},{"word":"a","start":2335.335,"end":2335.4148,"confidence":0.8008349,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17661689221858978},{"word":"nice","start":2335.4148,"end":2335.815,"confidence":0.99866533,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.2543391287326813},{"word":"balance","start":2335.815,"end":2336.315,"confidence":0.99579275,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.14975443482398987},{"word":"to","start":2336.4548,"end":2336.775,"confidence":0.95846814,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19578808546066284},{"word":"not","start":2336.775,"end":2337.275,"confidence":0.9918609,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1223544329404831},{"word":"well","start":2337.7349,"end":2338.2349,"confidence":0.99075747,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.12393945455551147},{"word":"just","start":2338.295,"end":2338.795,"confidence":0.9760024,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07883194088935852},{"word":"not","start":2338.855,"end":2339.095,"confidence":0.9722714,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03168709576129913},{"word":"worth","start":2339.095,"end":2339.335,"confidence":0.64324033,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.06981536746025085},{"word":"too","start":2339.335,"end":2339.575,"confidence":0.98742795,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.05527736246585846},{"word":"hard","start":2339.575,"end":2339.895,"confidence":0.9000417,"punctuated_word":"hard,","sentiment":"neutral","sentiment_score":0.07822951674461365},{"word":"but","start":2339.895,"end":2340.395,"confidence":0.99956244,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17498600482940674},{"word":"just","start":2340.6948,"end":2340.855,"confidence":0.94078887,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17402121424674988},{"word":"enough","start":2340.855,"end":2341.355,"confidence":0.9957438,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.19152891635894775},{"word":"to","start":2342.4548,"end":2342.615,"confidence":0.9977379,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19494545459747312},{"word":"to","start":2342.615,"end":2343.115,"confidence":0.9239553,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1934376209974289},{"word":"to","start":2343.54,"end":2343.78,"confidence":0.99151057,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17922775447368622},{"word":"save","start":2343.78,"end":2344.02,"confidence":0.9722047,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.1595183163881302},{"word":"a","start":2344.02,"end":2344.18,"confidence":0.97834754,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21067172288894653},{"word":"bit","start":2344.18,"end":2344.5,"confidence":0.9971234,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19653119146823883},{"word":"and","start":2344.5,"end":2345.0,"confidence":0.90434134,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19216424226760864},{"word":"and","start":2345.46,"end":2345.78,"confidence":0.9210495,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.2405424565076828},{"word":"yeah","start":2345.78,"end":2346.1,"confidence":0.9848194,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.29187947511672974},{"word":"enjoy","start":2346.1,"end":2346.5,"confidence":0.9983741,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.3837563395500183},{"word":"life","start":2346.5,"end":2346.74,"confidence":0.98784965,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.531889021396637},{"word":"a","start":2346.74,"end":2346.82,"confidence":0.9929503,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30905234813690186},{"word":"bit","start":2346.82,"end":2347.32,"confidence":0.999042,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.2437160611152649},{"word":"yeah","start":2354.26,"end":2354.58,"confidence":0.99408174,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2444758713245392},{"word":"well","start":2354.58,"end":2354.82,"confidence":0.98912686,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.20416313409805295},{"word":"that's","start":2354.82,"end":2355.3,"confidence":0.8094416,"punctuated_word":"that's,","sentiment":"neutral","sentiment_score":0.24729663133621216},{"word":"yeah","start":2355.3,"end":2355.54,"confidence":0.9862375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.24042807519435885},{"word":"that's","start":2355.54,"end":2356.04,"confidence":0.99780726,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3466765880584717},{"word":"a","start":2357.62,"end":2357.78,"confidence":0.97131616,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4019153416156769},{"word":"big","start":2357.78,"end":2358.02,"confidence":0.80023855,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.44196873903274536},{"word":"plan","start":2358.02,"end":2358.34,"confidence":0.9943078,"punctuated_word":"plan","sentiment":"positive","sentiment_score":0.4297521114349365},{"word":"because","start":2358.34,"end":2358.82,"confidence":0.81549513,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2871887981891632},{"word":"that's","start":2358.82,"end":2359.275,"confidence":0.71958685,"punctuated_word":"that's,","sentiment":"positive","sentiment_score":0.34173327684402466},{"word":"yeah","start":2359.355,"end":2359.4348,"confidence":0.97883284,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.3481447994709015},{"word":"that's","start":2359.4348,"end":2359.6748,"confidence":0.9978707,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3481326699256897},{"word":"what","start":2359.6748,"end":2359.8948,"confidence":0.9917636,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2790429890155792},{"word":"i","start":2359.8948,"end":2360.1147,"confidence":0.99364245,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2766028940677643},{"word":"wanna","start":2360.1147,"end":2360.335,"confidence":0.91964865,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3093814253807068},{"word":"do","start":2360.335,"end":2360.555,"confidence":0.9485384,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.27669957280158997},{"word":"so","start":2360.555,"end":2361.055,"confidence":0.96014684,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17195254564285278},{"word":"well","start":2377.73,"end":2378.23,"confidence":0.9748391,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.00029475241899490356},{"word":"not","start":2378.4102,"end":2378.9102,"confidence":0.66644835,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.01615729182958603},{"word":"apart","start":2379.89,"end":2380.13,"confidence":0.98019516,"punctuated_word":"apart","sentiment":"neutral","sentiment_score":-0.01569700986146927},{"word":"from","start":2380.13,"end":2380.63,"confidence":0.9989888,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.015759475529193878},{"word":"if","start":2382.13,"end":2382.37,"confidence":0.8273683,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.024308910593390465},{"word":"we're","start":2382.37,"end":2382.45,"confidence":0.6486583,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.007447781972587109},{"word":"you","start":2382.61,"end":2382.69,"confidence":0.8427118,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012415874749422072},{"word":"know","start":2382.69,"end":2383.01,"confidence":0.96475327,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0056546274572610855},{"word":"as","start":2383.01,"end":2383.17,"confidence":0.96982646,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.019247982650995255},{"word":"far","start":2383.17,"end":2383.41,"confidence":0.9992182,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.024425417184829712},{"word":"as","start":2383.41,"end":2383.49,"confidence":0.9927999,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.025934334844350815},{"word":"going","start":2383.49,"end":2383.97,"confidence":0.4872872,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":0.02868792787194252},{"word":"but","start":2383.97,"end":2384.21,"confidence":0.46884644,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.006901003420352936},{"word":"but","start":2384.21,"end":2384.45,"confidence":0.77411604,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0015907585620880127},{"word":"but","start":2384.45,"end":2384.61,"confidence":0.54531604,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.009055893868207932},{"word":"buying","start":2384.61,"end":2385.01,"confidence":0.8578683,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.004416167736053467},{"word":"a","start":2385.01,"end":2385.09,"confidence":0.96973217,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015410464257001877},{"word":"house","start":2385.09,"end":2385.41,"confidence":0.99928087,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.019878625869750977},{"word":"maybe","start":2385.41,"end":2385.81,"confidence":0.60020447,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":-0.003310512751340866},{"word":"but","start":2385.81,"end":2386.31,"confidence":0.9580291,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0020570866763591766},{"word":"that's","start":2387.25,"end":2387.49,"confidence":0.8976434,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.000040337443351745605},{"word":"why","start":2387.49,"end":2387.6099,"confidence":0.9191958,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.0042128004133701324},{"word":"i","start":2387.6099,"end":2387.73,"confidence":0.95180136,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02492877095937729},{"word":"gotta","start":2387.73,"end":2388.05,"confidence":0.70743257,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.019836200401186943},{"word":"decide","start":2388.05,"end":2388.45,"confidence":0.9873093,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.022594623267650604},{"word":"whether","start":2388.45,"end":2388.77,"confidence":0.9956761,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.0004877597093582154},{"word":"whether","start":2388.77,"end":2389.09,"confidence":0.9675428,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.010273844003677368},{"word":"it's","start":2389.09,"end":2389.425,"confidence":0.99860734,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.008229739964008331},{"word":"not","start":2389.745,"end":2389.905,"confidence":0.99925345,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02489907667040825},{"word":"gonna","start":2389.905,"end":2390.145,"confidence":0.96349525,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.015185035765171053},{"word":"happen","start":2390.145,"end":2390.5452,"confidence":0.999332,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.010902158915996552},{"word":"and","start":2390.5452,"end":2390.945,"confidence":0.8913041,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03145700320601463},{"word":"and","start":2390.945,"end":2391.105,"confidence":0.9689443,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01710093393921852},{"word":"plan","start":2391.105,"end":2391.605,"confidence":0.8141956,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":-0.013872213661670685},{"word":"to","start":2393.985,"end":2394.145,"confidence":0.8615929,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00478169322013855},{"word":"not","start":2394.145,"end":2394.305,"confidence":0.990571,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0021717101335525513},{"word":"have","start":2394.305,"end":2394.5452,"confidence":0.9815544,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.011484548449516296},{"word":"one","start":2394.5452,"end":2394.865,"confidence":0.9332411,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.016123808920383453},{"word":"and","start":2394.865,"end":2395.0251,"confidence":0.79809195,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.031236112117767337},{"word":"just","start":2395.0251,"end":2395.5251,"confidence":0.9577835,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.016336482018232346},{"word":"rent","start":2395.665,"end":2395.985,"confidence":0.9581489,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.013470932841300964},{"word":"or","start":2395.985,"end":2396.225,"confidence":0.99634176,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.011091239750385284},{"word":"whatever","start":2396.225,"end":2396.725,"confidence":0.7554221,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":0.014847112819552422},{"word":"but","start":2397.425,"end":2397.745,"confidence":0.99017614,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.003121711313724518},{"word":"or","start":2397.825,"end":2397.985,"confidence":0.99105185,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.005442749708890915},{"word":"a","start":2397.985,"end":2398.145,"confidence":0.5647533,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02042415179312229},{"word":"unit","start":2398.145,"end":2398.465,"confidence":0.9993782,"punctuated_word":"unit","sentiment":"neutral","sentiment_score":0.0071627236902713776},{"word":"or","start":2398.465,"end":2398.625,"confidence":0.99541414,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00967896357178688},{"word":"something","start":2398.625,"end":2398.945,"confidence":0.9978404,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0014876499772071838},{"word":"like","start":2398.945,"end":2399.105,"confidence":0.97039044,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0004830881953239441},{"word":"that","start":2399.105,"end":2399.425,"confidence":0.9320748,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.018028615042567253},{"word":"but","start":2399.425,"end":2399.745,"confidence":0.889935,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.02440478838980198},{"word":"yeah","start":2399.745,"end":2400.065,"confidence":0.9869696,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04008620232343674},{"word":"that's","start":2400.065,"end":2400.5452,"confidence":0.99942887,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05106128379702568},{"word":"that's","start":2400.5452,"end":2400.945,"confidence":0.99889207,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07961873710155487},{"word":"another","start":2400.945,"end":2401.425,"confidence":0.99891293,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.0764259397983551},{"word":"goal","start":2401.425,"end":2401.745,"confidence":0.98924667,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.10697613656520844},{"word":"that's","start":2401.745,"end":2402.245,"confidence":0.5879411,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1249903365969658},{"word":"just","start":2402.7852,"end":2403.0251,"confidence":0.86780083,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11721181869506836},{"word":"to","start":2403.0251,"end":2403.5251,"confidence":0.78965205,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11698320508003236},{"word":"set","start":2403.94,"end":2404.1,"confidence":0.9831919,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.1603485643863678},{"word":"something","start":2404.1,"end":2404.5,"confidence":0.9872901,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1473502516746521},{"word":"up","start":2404.5,"end":2404.82,"confidence":0.9965947,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14176128804683685},{"word":"for","start":2404.82,"end":2405.32,"confidence":0.9951379,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1131577044725418},{"word":"somewhere","start":2405.46,"end":2405.78,"confidence":0.94895476,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":0.08647811412811279},{"word":"to","start":2405.78,"end":2405.94,"confidence":0.99828833,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0890185534954071},{"word":"live","start":2405.94,"end":2406.26,"confidence":0.80918074,"punctuated_word":"live,","sentiment":"neutral","sentiment_score":0.08689980208873749},{"word":"really","start":2406.26,"end":2406.76,"confidence":0.9292362,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":0.055990785360336304},{"word":"but","start":2407.22,"end":2407.72,"confidence":0.99434125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02624369226396084},{"word":"yeah","start":2409.54,"end":2409.94,"confidence":0.9849398,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03076830506324768},{"word":"it's","start":2409.94,"end":2410.44,"confidence":0.88889664,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.034131601452827454},{"word":"yeah","start":2411.1401,"end":2411.54,"confidence":0.9916407,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03014574572443962},{"word":"just","start":2411.54,"end":2411.94,"confidence":0.98818433,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.024759650230407715},{"word":"wondering","start":2411.94,"end":2412.34,"confidence":0.9905065,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":0.018423348665237427},{"word":"which","start":2412.34,"end":2412.58,"confidence":0.99606955,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03149721026420593},{"word":"way","start":2412.58,"end":2412.74,"confidence":0.98165005,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.02792661264538765},{"word":"it'll","start":2412.74,"end":2413.1401,"confidence":0.8100041,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.031573984771966934},{"word":"go","start":2413.1401,"end":2413.3,"confidence":0.8299731,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05867979675531387},{"word":"and","start":2413.3,"end":2413.62,"confidence":0.8303936,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03179328143596649},{"word":"whether","start":2413.62,"end":2413.94,"confidence":0.98367923,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.03267180174589157},{"word":"it's","start":2413.94,"end":2414.18,"confidence":0.9961634,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03455553948879242},{"word":"worth","start":2414.18,"end":2414.5,"confidence":0.99541134,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.02399348095059395},{"word":"even","start":2414.5,"end":2414.9001,"confidence":0.97574276,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.011922644451260568},{"word":"looking","start":2414.9001,"end":2415.3,"confidence":0.9989201,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.01954672299325466},{"word":"or","start":2415.3,"end":2415.8,"confidence":0.8254463,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.013994958251714706},{"word":"yeah","start":2417.7148,"end":2418.2148,"confidence":0.85066676,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03387659788131714},{"word":"that's","start":2419.315,"end":2419.815,"confidence":0.519371,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05980198085308075},{"word":"all","start":2420.95,"end":2421.45,"confidence":0.66558474,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.017100531607866287},{"word":"i","start":2422.585,"end":2422.835,"confidence":0.96874255,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01956126093864441},{"word":"was","start":2422.835,"end":2423.075,"confidence":0.98288214,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.00557619147002697},{"word":"thinking","start":2423.075,"end":2423.575,"confidence":0.992888,"punctuated_word":"thinking.","sentiment":"neutral","sentiment_score":0.024990100413560867},{"word":"no","start":2484.185,"end":2484.665,"confidence":0.6848522,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08463569730520248},{"word":"not","start":2484.665,"end":2484.9849,"confidence":0.5416026,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.09000954031944275},{"word":"always","start":2484.9849,"end":2485.2249,"confidence":0.9678621,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.061325185000896454},{"word":"wanted","start":2485.2249,"end":2485.545,"confidence":0.96923983,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.10670463740825652},{"word":"to","start":2485.545,"end":2485.95,"confidence":0.85201955,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.09505865722894669},{"word":"but","start":2486.03,"end":2486.27,"confidence":0.9810147,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11498360335826874},{"word":"just","start":2486.27,"end":2486.43,"confidence":0.8146303,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12046056240797044},{"word":"never","start":2486.43,"end":2486.8298,"confidence":0.9524715,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.10616115480661392},{"word":"got","start":2486.8298,"end":2487.07,"confidence":0.9866333,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.16437223553657532},{"word":"there","start":2487.07,"end":2487.39,"confidence":0.911876,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.12924516201019287},{"word":"i","start":2487.39,"end":2487.47,"confidence":0.6554351,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09124941378831863},{"word":"never","start":2487.47,"end":2487.8699,"confidence":0.83742183,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.08982454985380173},{"word":"understood","start":2487.8699,"end":2488.3699,"confidence":0.949911,"punctuated_word":"understood","sentiment":"neutral","sentiment_score":-0.0993284061551094},{"word":"it","start":2488.51,"end":2488.67,"confidence":0.62296474,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.041204892098903656},{"word":"enough","start":2488.67,"end":2488.99,"confidence":0.99264765,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":-0.05365702882409096},{"word":"to","start":2488.99,"end":2489.49,"confidence":0.9724628,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02618150040507317},{"word":"to","start":2489.8699,"end":2490.03,"confidence":0.9227475,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.032944753766059875},{"word":"know","start":2490.03,"end":2490.1099,"confidence":0.996151,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07769246399402618},{"word":"what","start":2490.1099,"end":2490.3499,"confidence":0.9977817,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10620452463626862},{"word":"to","start":2490.3499,"end":2490.43,"confidence":0.9988637,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07223057746887207},{"word":"do","start":2490.43,"end":2490.93,"confidence":0.9803351,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.05210922658443451},{"word":"so","start":2491.95,"end":2492.45,"confidence":0.7278416,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02377906814217567},{"word":"always","start":2494.1099,"end":2494.5898,"confidence":0.8297894,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.01144418679177761},{"word":"always","start":2494.5898,"end":2495.0898,"confidence":0.9565676,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.08023813366889954},{"word":"wanted","start":2495.15,"end":2495.65,"confidence":0.99933237,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.13814228773117063},{"word":"to","start":2496.27,"end":2496.43,"confidence":0.99966323,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1358242928981781},{"word":"get","start":2496.43,"end":2496.5898,"confidence":0.98519933,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.12145888805389404},{"word":"into","start":2496.5898,"end":2496.8298,"confidence":0.9852496,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.1260664314031601},{"word":"it","start":2496.8298,"end":2497.07,"confidence":0.78520465,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.1253703236579895},{"word":"but","start":2497.07,"end":2497.23,"confidence":0.93877953,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11668503284454346},{"word":"never","start":2497.23,"end":2497.63,"confidence":0.97974753,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.11949837952852248},{"word":"did","start":2497.63,"end":2498.13,"confidence":0.9937774,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":-0.10533757507801056},{"word":"oh","start":2527.925,"end":2528.165,"confidence":0.88561004,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.05777387693524361},{"word":"yeah","start":2528.165,"end":2528.485,"confidence":0.77041054,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0617569163441658},{"word":"it's","start":2528.485,"end":2528.645,"confidence":0.85078955,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.084491066634655},{"word":"just","start":2528.645,"end":2528.885,"confidence":0.842809,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08889611065387726},{"word":"that","start":2528.885,"end":2529.365,"confidence":0.5225695,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1104297935962677},{"word":"crystal","start":2529.365,"end":2529.865,"confidence":0.9963176,"punctuated_word":"crystal","sentiment":"neutral","sentiment_score":-0.154945507645607},{"word":"ball","start":2530.0051,"end":2530.485,"confidence":0.9987569,"punctuated_word":"ball","sentiment":"neutral","sentiment_score":-0.11341047286987305},{"word":"thing","start":2530.485,"end":2530.985,"confidence":0.9944989,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.11576441675424576},{"word":"i","start":2531.605,"end":2532.105,"confidence":0.92488295,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15199285745620728},{"word":"i'm","start":2533.005,"end":2533.505,"confidence":0.7624692,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15518294274806976},{"word":"only","start":2534.325,"end":2534.825,"confidence":0.7059338,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1781388372182846},{"word":"because","start":2534.885,"end":2535.385,"confidence":0.98705673,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1511066108942032},{"word":"i","start":2536.965,"end":2537.365,"confidence":0.99576,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18237316608428955},{"word":"need","start":2537.365,"end":2537.765,"confidence":0.9892461,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1805826872587204},{"word":"to","start":2537.765,"end":2538.0051,"confidence":0.99934345,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1585063636302948},{"word":"get","start":2538.0051,"end":2538.165,"confidence":0.9982217,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1456785351037979},{"word":"as","start":2538.165,"end":2538.405,"confidence":0.9942121,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.12388194352388382},{"word":"much","start":2538.405,"end":2538.565,"confidence":0.9998117,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.09933298826217651},{"word":"as","start":2538.565,"end":2538.805,"confidence":0.99421847,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13292239606380463},{"word":"i","start":2538.805,"end":2538.885,"confidence":0.9994843,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14158886671066284},{"word":"can","start":2538.885,"end":2539.285,"confidence":0.857986,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":-0.13664980232715607},{"word":"i","start":2539.285,"end":2539.785,"confidence":0.9765322,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08672042191028595},{"word":"i","start":2540.0051,"end":2540.165,"confidence":0.81059974,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07420848309993744},{"word":"would","start":2540.165,"end":2540.485,"confidence":0.57856804,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11114523559808732},{"word":"like","start":2540.485,"end":2540.725,"confidence":0.996015,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11157721281051636},{"word":"to","start":2540.725,"end":2541.045,"confidence":0.99543697,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10967980325222015},{"word":"sort","start":2541.045,"end":2541.285,"confidence":0.9017768,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.11425839364528656},{"word":"of","start":2541.285,"end":2541.365,"confidence":0.7685453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11730928719043732},{"word":"high","start":2541.365,"end":2541.605,"confidence":0.9367784,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.13707289099693298},{"word":"risk","start":2541.605,"end":2541.925,"confidence":0.95147157,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.14260302484035492},{"word":"but","start":2541.925,"end":2542.23,"confidence":0.9976926,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11329995840787888},{"word":"yeah","start":2544.15,"end":2544.47,"confidence":0.9793688,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1182590201497078},{"word":"i'm","start":2544.47,"end":2544.55,"confidence":0.7332107,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.13668815791606903},{"word":"a","start":2544.55,"end":2544.63,"confidence":0.74659723,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11960059404373168},{"word":"little","start":2544.63,"end":2544.95,"confidence":0.82098925,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.12047824263572691},{"word":"bit","start":2544.95,"end":2545.1099,"confidence":0.98233885,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.12955760955810547},{"word":"worried","start":2545.1099,"end":2545.59,"confidence":0.77289546,"punctuated_word":"worried,","sentiment":"neutral","sentiment_score":-0.15758833289146423},{"word":"so","start":2545.59,"end":2546.09,"confidence":0.9993789,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.11237416416406631},{"word":"maybe","start":2546.8699,"end":2547.3699,"confidence":0.9896276,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.057833850383758545},{"word":"medium","start":2547.43,"end":2547.93,"confidence":0.86820793,"punctuated_word":"medium.","sentiment":"neutral","sentiment_score":-0.045371830463409424},{"word":"well","start":2570.1848,"end":2570.665,"confidence":0.7917792,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.1588040590286255},{"word":"it","start":2570.665,"end":2570.7449,"confidence":0.91697323,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2049051821231842},{"word":"is","start":2570.7449,"end":2570.905,"confidence":0.8812566,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1928693801164627},{"word":"what","start":2570.905,"end":2571.145,"confidence":0.9947352,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.19572755694389343},{"word":"it","start":2571.145,"end":2571.2249,"confidence":0.9892201,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1449393630027771},{"word":"is","start":2571.2249,"end":2571.7249,"confidence":0.74768,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.14735427498817444},{"word":"i","start":2572.34,"end":2572.5,"confidence":0.9708426,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22777563333511353},{"word":"don't","start":2572.5,"end":2572.74,"confidence":0.96405137,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.21841977536678311},{"word":"know","start":2572.74,"end":2573.06,"confidence":0.9899489,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.1932523548603058},{"word":"i'd","start":2573.06,"end":2573.22,"confidence":0.83587253,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.2834998369216919},{"word":"i'd","start":2573.22,"end":2573.46,"confidence":0.8019829,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.30267971754074097},{"word":"i","start":2574.18,"end":2574.26,"confidence":0.9921759,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.35872766375541687},{"word":"would","start":2574.26,"end":2574.5,"confidence":0.727194,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.40695300698280334},{"word":"hope","start":2574.5,"end":2574.82,"confidence":0.9832755,"punctuated_word":"hope","sentiment":"negative","sentiment_score":-0.402080774307251},{"word":"it's","start":2574.82,"end":2575.06,"confidence":0.9605015,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3379814624786377},{"word":"not","start":2575.06,"end":2575.56,"confidence":0.6596272,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.3324079215526581},{"word":"that","start":2576.1,"end":2576.5,"confidence":0.9681202,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.30124664306640625},{"word":"sort","start":2576.5,"end":2576.66,"confidence":0.9062971,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.27832481265068054},{"word":"of","start":2576.66,"end":2576.74,"confidence":0.5902632,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.32231929898262024},{"word":"wouldn't","start":2576.74,"end":2577.06,"confidence":0.99812484,"punctuated_word":"wouldn't","sentiment":"negative","sentiment_score":-0.33516550064086914},{"word":"happen","start":2577.06,"end":2577.56,"confidence":0.9409152,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.28703123331069946},{"word":"but","start":2578.74,"end":2579.24,"confidence":0.37787426,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.09548437595367432},{"word":"yeah","start":2580.42,"end":2580.92,"confidence":0.6750647,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.08512324094772339},{"word":"i","start":2581.22,"end":2581.3,"confidence":0.9457108,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11824795603752136},{"word":"i","start":2581.3,"end":2581.3801,"confidence":0.60305905,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12244648486375807},{"word":"get","start":2581.3801,"end":2581.8801,"confidence":0.76537156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1119982972741127},{"word":"yeah","start":2583.54,"end":2583.86,"confidence":0.8003601,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.10898661613464355},{"word":"i","start":2583.86,"end":2583.94,"confidence":0.9947989,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15541821718215942},{"word":"don't","start":2583.94,"end":2584.18,"confidence":0.9963804,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16181372106075287},{"word":"know","start":2584.18,"end":2584.42,"confidence":0.99235225,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.16449540853500366},{"word":"i","start":2584.42,"end":2584.5,"confidence":0.9981213,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19710950553417209},{"word":"don't","start":2584.5,"end":2584.74,"confidence":0.98539287,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1809100806713104},{"word":"know","start":2584.74,"end":2584.9,"confidence":0.9936615,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1720198392868042},{"word":"enough","start":2584.9,"end":2585.3801,"confidence":0.96460736,"punctuated_word":"enough,","sentiment":"neutral","sentiment_score":-0.19752061367034912},{"word":"i","start":2585.3801,"end":2585.54,"confidence":0.99591476,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1473761945962906},{"word":"guess","start":2585.54,"end":2585.86,"confidence":0.7877097,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.15884289145469666},{"word":"but","start":2585.86,"end":2586.36,"confidence":0.886776,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.10795129090547562},{"word":"you","start":2587.7651,"end":2587.925,"confidence":0.9222557,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07822922617197037},{"word":"know","start":2587.925,"end":2588.245,"confidence":0.99328387,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.09431276470422743},{"word":"it","start":2588.245,"end":2588.405,"confidence":0.92735636,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0965731143951416},{"word":"is","start":2588.405,"end":2588.565,"confidence":0.9950825,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12256529927253725},{"word":"what","start":2588.565,"end":2588.805,"confidence":0.9665895,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.12454145401716232},{"word":"it","start":2588.805,"end":2588.885,"confidence":0.992309,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08795534074306488},{"word":"is","start":2588.885,"end":2589.285,"confidence":0.84493375,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.1038932353258133},{"word":"you","start":2589.285,"end":2589.445,"confidence":0.9447324,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.03819515183568001},{"word":"know","start":2589.445,"end":2589.945,"confidence":0.85569113,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.027904951944947243},{"word":"gotta","start":2590.565,"end":2591.065,"confidence":0.6304493,"punctuated_word":"Gotta","sentiment":"neutral","sentiment_score":0.13656127452850342},{"word":"get","start":2591.125,"end":2591.205,"confidence":0.49127898,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07949913293123245},{"word":"together","start":2591.205,"end":2591.705,"confidence":0.4408218,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.07312433421611786},{"word":"to","start":2591.845,"end":2592.0051,"confidence":0.42337507,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04871904477477074},{"word":"fly","start":2592.0051,"end":2592.5051,"confidence":0.89172745,"punctuated_word":"fly.","sentiment":"neutral","sentiment_score":-0.036918822675943375},{"word":"probably","start":2606.93,"end":2607.3298,"confidence":0.8292118,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.060135409235954285},{"word":"just","start":2607.3298,"end":2607.57,"confidence":0.9714777,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06384928524494171},{"word":"calling","start":2607.57,"end":2607.97,"confidence":0.9996382,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":-0.04944524168968201},{"word":"you","start":2607.97,"end":2608.29,"confidence":0.98914754,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.05442182719707489},{"word":"i","start":2608.29,"end":2608.3699,"confidence":0.99967766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04672621190547943},{"word":"guess","start":2608.3699,"end":2608.8699,"confidence":0.99087465,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.04501098021864891},{"word":"yeah","start":2610.45,"end":2610.915,"confidence":0.9372946,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09051187336444856},{"word":"yeah","start":2624.195,"end":2624.695,"confidence":0.9972794,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16499243676662445},{"word":"well","start":2650.695,"end":2651.175,"confidence":0.87216043,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.021007735282182693},{"word":"yeah","start":2651.175,"end":2651.675,"confidence":0.74464566,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.013369103893637655},{"word":"i","start":2652.055,"end":2652.215,"confidence":0.8017533,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01311599463224411},{"word":"would","start":2652.215,"end":2652.715,"confidence":0.8307613,"punctuated_word":"would.","sentiment":"neutral","sentiment_score":-0.007055731490254402},{"word":"but","start":2654.7998,"end":2655.04,"confidence":0.69960207,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.0768827348947525},{"word":"you","start":2655.04,"end":2655.2,"confidence":0.9679078,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08326341211795807},{"word":"know","start":2655.2,"end":2655.44,"confidence":0.9940815,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08617336302995682},{"word":"to","start":2655.44,"end":2655.5999,"confidence":0.33238155,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11555935442447662},{"word":"get","start":2655.5999,"end":2655.8398,"confidence":0.9971986,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09656815975904463},{"word":"it","start":2655.8398,"end":2656.3398,"confidence":0.74196863,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.11385591328144072},{"word":"but","start":2656.7998,"end":2657.2998,"confidence":0.47715276,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.13344082236289978},{"word":"yeah","start":2657.44,"end":2657.92,"confidence":0.9202081,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.16549575328826904},{"word":"he's","start":2657.92,"end":2658.16,"confidence":0.86015165,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.22939974069595337},{"word":"gonna","start":2658.16,"end":2658.48,"confidence":0.8836858,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2669837474822998},{"word":"owe","start":2658.48,"end":2658.5598,"confidence":0.35552645,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.23414723575115204},{"word":"me","start":2658.5598,"end":2658.7998,"confidence":0.9192027,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.3174976110458374},{"word":"money","start":2658.7998,"end":2659.2998,"confidence":0.80497575,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.2489735186100006},{"word":"really","start":2659.3599,"end":2659.8599,"confidence":0.9484321,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.1988818347454071},{"word":"we","start":2660.7998,"end":2660.96,"confidence":0.22065575,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.16978204250335693},{"word":"have","start":2660.96,"end":2661.1199,"confidence":0.2578604,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17055241763591766},{"word":"a","start":2661.1199,"end":2661.28,"confidence":0.3220987,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15728606283664703},{"word":"year","start":2661.28,"end":2661.52,"confidence":0.21383266,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.16410431265830994},{"word":"ago","start":2661.52,"end":2661.8398,"confidence":0.35372806,"punctuated_word":"ago,","sentiment":"neutral","sentiment_score":-0.1887798607349396},{"word":"probably","start":2661.8398,"end":2662.16,"confidence":0.6376663,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.25911203026771545},{"word":"wouldn't","start":2662.16,"end":2662.3198,"confidence":0.87427163,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.20342539250850675},{"word":"be","start":2662.3198,"end":2662.4,"confidence":0.9706386,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20785388350486755},{"word":"able","start":2662.4,"end":2662.5598,"confidence":0.9987752,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.198824942111969},{"word":"to","start":2662.5598,"end":2662.72,"confidence":0.9895281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21362288296222687},{"word":"get","start":2662.72,"end":2663.2,"confidence":0.9990483,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.18963408470153809},{"word":"it","start":2663.2,"end":2663.3599,"confidence":0.96118855,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1740981638431549},{"word":"so","start":2663.3599,"end":2663.44,"confidence":0.96318614,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04799598455429077},{"word":"but","start":2667.28,"end":2667.78,"confidence":0.95968527,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07272545248270035},{"word":"you","start":2667.935,"end":2668.095,"confidence":0.99885464,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12470422685146332},{"word":"never","start":2668.095,"end":2668.335,"confidence":0.9964478,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.061491914093494415},{"word":"know","start":2668.335,"end":2668.575,"confidence":0.99900275,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06656999886035919},{"word":"what","start":2668.575,"end":2668.815,"confidence":0.9956241,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0320921391248703},{"word":"comes","start":2668.815,"end":2669.135,"confidence":0.9992823,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.031280696392059326},{"word":"along","start":2669.135,"end":2669.455,"confidence":0.64140373,"punctuated_word":"along,","sentiment":"neutral","sentiment_score":-0.06228013336658478},{"word":"that's","start":2669.455,"end":2669.695,"confidence":0.92092603,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.03044259548187256},{"word":"all","start":2669.695,"end":2670.095,"confidence":0.93226755,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.003461156040430069},{"word":"you","start":2670.095,"end":2670.175,"confidence":0.6798439,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.00629638135433197},{"word":"know","start":2670.175,"end":2670.4949,"confidence":0.8599082,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.007843619212508202},{"word":"okay","start":2670.4949,"end":2670.9949,"confidence":0.9212291,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05007849633693695},{"word":"yeah","start":2671.775,"end":2672.275,"confidence":0.88856506,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06748878955841064},{"word":"yeah","start":2672.415,"end":2672.915,"confidence":0.93959403,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10203026980161668},{"word":"yeah","start":2803.395,"end":2803.715,"confidence":0.96402645,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0926116481423378},{"word":"i","start":2803.715,"end":2803.7952,"confidence":0.6699535,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1902126371860504},{"word":"wish","start":2803.7952,"end":2804.0352,"confidence":0.9902806,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":-0.21567705273628235},{"word":"i","start":2804.0352,"end":2804.195,"confidence":0.9048894,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20454099774360657},{"word":"knew","start":2804.195,"end":2804.695,"confidence":0.7965127,"punctuated_word":"knew.","sentiment":"neutral","sentiment_score":-0.2254846692085266},{"word":"i","start":2805.315,"end":2805.395,"confidence":0.912022,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23506461083889008},{"word":"don't","start":2805.395,"end":2805.635,"confidence":0.9951476,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2655205726623535},{"word":"know","start":2805.635,"end":2806.135,"confidence":0.9809079,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.2001197338104248},{"word":"yeah","start":2811.315,"end":2811.7952,"confidence":0.75734735,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12187746167182922},{"word":"i","start":2811.7952,"end":2811.875,"confidence":0.7976951,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17374975979328156},{"word":"don't","start":2811.875,"end":2812.115,"confidence":0.95003676,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.18470343947410583},{"word":"i","start":2812.115,"end":2812.2751,"confidence":0.8952567,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20333123207092285},{"word":"don't","start":2812.2751,"end":2812.595,"confidence":0.99983424,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.23563222587108612},{"word":"know","start":2812.595,"end":2812.7551,"confidence":0.98439467,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2398264706134796},{"word":"really","start":2812.7551,"end":2813.155,"confidence":0.7075462,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.2133820354938507},{"word":"i","start":2813.155,"end":2813.315,"confidence":0.9868809,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14484763145446777},{"word":"guess","start":2813.315,"end":2813.715,"confidence":0.9664836,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.13466596603393555},{"word":"i","start":2813.715,"end":2813.7952,"confidence":0.97149515,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09814900159835815},{"word":"guess","start":2813.7952,"end":2814.115,"confidence":0.9878634,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.08714231848716736},{"word":"so","start":2814.115,"end":2814.45,"confidence":0.91278625,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.05484626442193985},{"word":"yeah","start":2839.105,"end":2839.5852,"confidence":0.8337594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029497988522052765},{"word":"yeah","start":2839.5852,"end":2840.0652,"confidence":0.9746363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.044121406972408295},{"word":"i'll","start":2840.0652,"end":2840.385,"confidence":0.54775333,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.057914845645427704},{"word":"i'll","start":2840.385,"end":2840.625,"confidence":0.8998972,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1076122745871544},{"word":"yes","start":2841.0251,"end":2841.5251,"confidence":0.95913005,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.11338893324136734},{"word":"yeah","start":2854.08,"end":2854.335,"confidence":0.9563607,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05499617010354996},{"word":"yeah","start":2859.375,"end":2859.875,"confidence":0.92225474,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07691697776317596},{"word":"yeah","start":2860.255,"end":2860.755,"confidence":0.64786434,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1256287395954132},{"word":"yeah","start":2908.3098,"end":2908.71,"confidence":0.97714955,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10082307457923888},{"word":"yep","start":2908.71,"end":2909.21,"confidence":0.77791405,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1123787984251976},{"word":"yeah","start":2975.535,"end":2976.035,"confidence":0.77139604,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09411168098449708},{"word":"i","start":2976.4148,"end":2976.6548,"confidence":0.5648318,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.160968080163002},{"word":"i","start":2976.6548,"end":2976.9749,"confidence":0.67133254,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20596855878829956},{"word":"don't","start":2976.9749,"end":2977.295,"confidence":0.9434222,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.21887066960334775},{"word":"know","start":2977.295,"end":2977.4548,"confidence":0.9596163,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.2967250347137451},{"word":"i","start":2977.4548,"end":2977.535,"confidence":0.9735974,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.48346489667892456},{"word":"hate","start":2977.535,"end":2977.855,"confidence":0.9980513,"punctuated_word":"hate","sentiment":"negative","sentiment_score":-0.5127938389778137},{"word":"the","start":2977.855,"end":2978.015,"confidence":0.8468446,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4803884327411651},{"word":"insurance","start":2978.015,"end":2978.515,"confidence":0.9968901,"punctuated_word":"insurance","sentiment":"negative","sentiment_score":-0.5254783630371094},{"word":"part","start":2978.575,"end":2979.055,"confidence":0.79199386,"punctuated_word":"part.","sentiment":"negative","sentiment_score":-0.40949803590774536},{"word":"it's","start":2979.055,"end":2979.4548,"confidence":0.9318242,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.40569043159484863},{"word":"it's","start":2979.4548,"end":2979.615,"confidence":0.84813595,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.290999174118042},{"word":"something","start":2979.615,"end":2980.015,"confidence":0.95807976,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.3347966969013214},{"word":"you","start":2980.015,"end":2980.095,"confidence":0.84629893,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.40464508533477783},{"word":"need","start":2980.095,"end":2980.4949,"confidence":0.9158662,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.40990787744522095},{"word":"you","start":2980.4949,"end":2980.6548,"confidence":0.9724343,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4341206848621368},{"word":"need","start":2980.6548,"end":2981.135,"confidence":0.9950294,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.4495028555393219},{"word":"you","start":2981.135,"end":2981.295,"confidence":0.62210524,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4610659182071686},{"word":"need","start":2981.295,"end":2981.4548,"confidence":0.9972556,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.47135645151138306},{"word":"to","start":2981.4548,"end":2981.9548,"confidence":0.9973054,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4596552550792694},{"word":"do","start":2982.4148,"end":2982.575,"confidence":0.9971308,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.5027098059654236},{"word":"something","start":2982.575,"end":2983.055,"confidence":0.99924564,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.446763813495636},{"word":"about","start":2983.055,"end":2983.555,"confidence":0.947044,"punctuated_word":"about.","sentiment":"negative","sentiment_score":-0.35157254338264465},{"word":"yep","start":3039.0852,"end":3039.5852,"confidence":0.85325676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1827484965324402},{"word":"yeah","start":3047.2002,"end":3047.6802,"confidence":0.88410157,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1052766814827919},{"word":"yep","start":3047.6802,"end":3048.1802,"confidence":0.8469372,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1003580093383789},{"word":"at","start":3064.245,"end":3064.485,"confidence":0.5361931,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.2625916004180908},{"word":"this","start":3064.485,"end":3064.86,"confidence":0.9983929,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.24265697598457336},{"word":"stage","start":3065.1,"end":3065.4202,"confidence":0.98624635,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":0.30043384432792664},{"word":"i","start":3065.4202,"end":3065.6602,"confidence":0.97379273,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3221610188484192},{"word":"guess","start":3065.6602,"end":3065.9802,"confidence":0.9965115,"punctuated_word":"guess","sentiment":"positive","sentiment_score":0.38119328022003174},{"word":"i'm","start":3065.9802,"end":3066.1401,"confidence":0.7680218,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5189594030380249},{"word":"happy","start":3066.1401,"end":3066.6401,"confidence":0.8363132,"punctuated_word":"happy.","sentiment":"positive","sentiment_score":0.5099285244941711},{"word":"i","start":3067.02,"end":3067.1,"confidence":0.7229502,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3665677607059479},{"word":"take","start":3067.1,"end":3067.34,"confidence":0.6477338,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.4710601270198822},{"word":"that","start":3067.34,"end":3067.84,"confidence":0.9867867,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3917018473148346},{"word":"to","start":3068.06,"end":3068.3,"confidence":0.5642181,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2551402151584625},{"word":"the","start":3068.3,"end":3068.4602,"confidence":0.8539089,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2946804463863373},{"word":"chance","start":3068.4602,"end":3068.86,"confidence":0.98304003,"punctuated_word":"chance,","sentiment":"neutral","sentiment_score":0.2491673231124878},{"word":"i","start":3068.86,"end":3069.02,"confidence":0.9991091,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2106648087501526},{"word":"guess","start":3069.02,"end":3069.1802,"confidence":0.80028474,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":0.2624385952949524},{"word":"and","start":3069.1802,"end":3069.6802,"confidence":0.82169914,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.17710383236408234},{"word":"yes","start":3070.78,"end":3071.28,"confidence":0.93631375,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.2016211748123169},{"word":"at","start":3071.34,"end":3071.5,"confidence":0.9772495,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1925902962684631},{"word":"this","start":3071.5,"end":3071.74,"confidence":0.96743804,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17386314272880554},{"word":"stage","start":3071.74,"end":3072.24,"confidence":0.89585495,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":0.18077725172042847},{"word":"that'll","start":3072.3801,"end":3072.7002,"confidence":0.7968886,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.28898224234580994},{"word":"do","start":3072.7002,"end":3073.2002,"confidence":0.96373755,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.26583099365234375},{"word":"i","start":3103.3901,"end":3103.55,"confidence":0.6386647,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04885774850845337},{"word":"guess","start":3103.55,"end":3103.9502,"confidence":0.95857865,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.05494530126452446},{"word":"at","start":3103.9502,"end":3104.11,"confidence":0.7182617,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09677985310554504},{"word":"this","start":3104.11,"end":3104.35,"confidence":0.99931693,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06043633446097374},{"word":"stage","start":3104.35,"end":3104.85,"confidence":0.9340669,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":-0.0485871359705925},{"word":"i'm","start":3105.6301,"end":3105.71,"confidence":0.7058125,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1204688400030136},{"word":"gonna","start":3105.71,"end":3105.9502,"confidence":0.9757681,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.10100025683641434},{"word":"need","start":3105.9502,"end":3106.4502,"confidence":0.7978952,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1205999106168747},{"word":"yeah","start":3107.165,"end":3107.205,"confidence":0.96143115,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.141848623752594},{"word":"probably","start":3107.205,"end":3107.2449,"confidence":0.88310534,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.14704224467277527},{"word":"need","start":3107.2449,"end":3107.7449,"confidence":0.95585287,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1439736634492874},{"word":"something","start":3107.965,"end":3108.445,"confidence":0.99808717,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.13508892059326172},{"word":"one","start":3108.445,"end":3108.685,"confidence":0.94622666,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.13911809027194977},{"word":"day","start":3108.685,"end":3109.185,"confidence":0.99134326,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.09383076429367064},{"word":"yeah","start":3111.085,"end":3111.585,"confidence":0.98209405,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02972429059445858},{"word":"just","start":3111.645,"end":3111.885,"confidence":0.93656546,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.022562481462955475},{"word":"yeah","start":3112.045,"end":3112.365,"confidence":0.98881006,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.037948910146951675},{"word":"anyway","start":3112.365,"end":3112.685,"confidence":0.88487387,"punctuated_word":"Anyway,","sentiment":"neutral","sentiment_score":0.08676007390022278},{"word":"that'll","start":3112.685,"end":3112.925,"confidence":0.9600239,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.10693059861660004},{"word":"at","start":3113.085,"end":3113.2449,"confidence":0.97795856,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1186533197760582},{"word":"this","start":3113.2449,"end":3113.4849,"confidence":0.9965778,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1395486444234848},{"word":"stage","start":3113.4849,"end":3113.7249,"confidence":0.9708928,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":0.14321699738502502},{"word":"it","start":3113.7249,"end":3113.885,"confidence":0.6116298,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17881201207637787},{"word":"should","start":3113.885,"end":3114.045,"confidence":0.998558,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2695140242576599},{"word":"be","start":3114.045,"end":3114.205,"confidence":0.99874735,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21249213814735413},{"word":"alright","start":3114.205,"end":3114.705,"confidence":0.9813637,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.2317470759153366},{"word":"yep","start":3122.59,"end":3123.09,"confidence":0.77603436,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05148497223854065},{"word":"yep","start":3126.67,"end":3127.17,"confidence":0.916484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29636868834495544},{"word":"k","start":3133.23,"end":3133.665,"confidence":0.8870003,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.21460777521133423},{"word":"yeah","start":3158.31,"end":3158.81,"confidence":0.96184564,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01095974538475275},{"word":"i'll","start":3160.47,"end":3160.55,"confidence":0.42485887,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03065205924212933},{"word":"put","start":3160.55,"end":3160.8699,"confidence":0.29848218,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0066878944635391235},{"word":"it","start":3160.8699,"end":3160.95,"confidence":0.28074637,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006937198340892792},{"word":"with","start":3160.95,"end":3161.03,"confidence":0.13450831,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.007839273661375046},{"word":"yeah","start":3161.28,"end":3161.745,"confidence":0.587925,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.012088298797607422},{"word":"yep","start":3195.885,"end":3196.2048,"confidence":0.8543761,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3229258358478546},{"word":"that","start":3196.2048,"end":3196.445,"confidence":0.869566,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5806896686553955},{"word":"sounds","start":3196.445,"end":3196.685,"confidence":0.9793426,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.6509418487548828},{"word":"good","start":3196.685,"end":3197.185,"confidence":0.99921477,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5899138450622559},{"word":"no","start":3210.6902,"end":3211.01,"confidence":0.65845263,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17898818850517273},{"word":"i","start":3211.01,"end":3211.09,"confidence":0.9559497,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15281139314174652},{"word":"think","start":3211.09,"end":3211.33,"confidence":0.99647635,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1515982449054718},{"word":"that's","start":3211.33,"end":3211.7302,"confidence":0.99196815,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08451348543167114},{"word":"yeah","start":3211.9702,"end":3212.37,"confidence":0.94599974,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0007988736033439636},{"word":"that's","start":3212.37,"end":3212.4502,"confidence":0.87930286,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10847710072994232},{"word":"about","start":3212.4502,"end":3212.6902,"confidence":0.50557023,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08374471962451935},{"word":"it","start":3212.6902,"end":3213.1902,"confidence":0.9940933,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2596915662288666},{"word":"okay","start":3288.835,"end":3289.335,"confidence":0.8856449,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2675101161003113},{"word":"no","start":3301.665,"end":3301.905,"confidence":0.7813071,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14787733554840088},{"word":"no","start":3301.905,"end":3302.1,"confidence":0.7356411,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14671409130096436},{"word":"i","start":3302.1,"end":3302.2952,"confidence":0.94176894,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12070073932409286},{"word":"think","start":3302.2952,"end":3302.5452,"confidence":0.8312148,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.12834620475769043},{"word":"that's","start":3302.5452,"end":3303.0452,"confidence":0.9981122,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1380004584789276},{"word":"it","start":3307.825,"end":3308.325,"confidence":0.9949436,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.03927689045667648},{"word":"alright","start":3320.66,"end":3321.16,"confidence":0.9482393,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.44295233488082886},{"word":"thank","start":3321.3,"end":3321.46,"confidence":0.86041665,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8062015175819397},{"word":"you","start":3321.46,"end":3321.62,"confidence":0.99933296,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8352341651916504},{"word":"very","start":3321.62,"end":3321.86,"confidence":0.9967871,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.8132176995277405},{"word":"much","start":3321.86,"end":3322.36,"confidence":0.99954844,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.795205295085907},{"word":"yeah","start":3329.1401,"end":3329.3801,"confidence":0.98142034,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.42427265644073486},{"word":"you","start":3329.3801,"end":3329.62,"confidence":0.9983228,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.39733636379241943},{"word":"too","start":3329.62,"end":3329.86,"confidence":0.99407095,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.40392249822616577},{"word":"thanks","start":3329.86,"end":3330.1648,"confidence":0.9975902,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5867143869400024},{"word":"bye","start":3333.9248,"end":3334.4248,"confidence":0.7576476,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.20599053800106049}],"paragraphs":{"transcript":"\nHello? Yeah. Yeah. No. No.\n\nIt's all good. It's all good. Yeah. Yeah. Karen Casar.\n\n121065. Number 2, Ellen Street. Sorry. Yeah. Oh, yeah.\n\nIt's good. Yep. Yeah. Normally, your weekend is as well, like a Saturday. Christmas party.\n\nYeah. That was very good. No. Just just the future of what I can do and what I should be doing. Like, see my my age and probably not gonna be able to get a house, but, yeah, things like that where because I haven't got a house, and that's what I didn't want.\n\nBut, yeah, I'm just wondering, you know, if I can do something like that. But, yeah, that'd be the only thing. And another thing would be is there can you buy a house within your super? Yep. Okay.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nI thought there was some, yeah, rules. Yeah. Alright. Yes. Yes.\n\nYeah. Well, yeah. I don't know. Probably probably not because I'm I I do know I'm not gonna have enough. That's that's the thing, but I just well, I wouldn't like a house, but to to live in or or something.\n\nBut yeah. I know I'm not gonna have enough. So anyway. Yeah. That's that's where I'm at.\n\nYeah. Yeah. That's yeah. That's right. Yeah.\n\nYeah. I can have a look later. Yeah. That's right. Yes.\n\nYeah. Yes. A little bit, but, you know, I'd I'd like to do a lot more. I just probably don't get enough to do yeah. I want to learn a bit more about it, but yeah.\n\nNot enough. Yeah. Yeah. Yeah. It does.\n\nThat's that's yeah. That's what I need on. Because I I feel like I keep wondering whether I you should be doing something different or better or more to not knowing how much I'll need, of course, but obviously a lot more than I've got. So yeah. Now would be good, but that ain't gonna happen.\n\nYeah. Well, I don't yeah. As soon as possible, but, yeah, as much as I gotta do, I've gotta take down, I guess. And because oh, it's alright. Because I I don't I don't do a lot of work and stuff like midweek stuff online, casual, and do the weekends and stuff.\n\nSo I do miss out on a fair bit of super, I would say. So so, yeah, that's why I'm probably struggling a bit to get that account a bit more. This last three weeks, I've done been doing a bit extra because the the last three weeks, I have been doing a bit extra, but I'm just trying to find a a nice balance, work life balance sort of in there. It's it it in one way, it does affecting in other ways with my super and stuff. So it's a yeah.\n\nYeah. Yeah. I have it. I have it. Yep.\n\nYeah. Yeah. I'm sorry. I wanna yeah. Yeah.\n\nYou know, do you really I I was gonna be worried because I don't know well, I don't know. For me, it doesn't I don't know if it's secure enough or if there's a crash gonna happen, of course, you lose it all. I don't know fully know how it all works, but I know I need every sort of thing I can get. So yeah. Yes.\n\nOkay. Yeah. Yeah. Yeah. Yeah.\n\nHe's just well, it depends on on health and and and that's why I'm working working less. Yeah. 65 would be good, but I yeah. I'm probably not bad enough. So, you know, I have to go a bit more.\n\nYeah. Yeah. Well, yeah, they have to well, I I would say less just to keep me going a bit more, but it's on there. It has to be less because I won't be doing as much in in that. Well, that's at the moment, we haven't got a cheap setup, but I think it's gonna change and it'll probably change.\n\nAt the moment, we're only paying $4.50. But, yeah, I I would say it'll change because we're gonna have to move sort of soon, but don't know yet. But at the moment, it's pretty good. Because I only do this three days, and and I'll do more at you know, when when needed and when I can and so forth. But normally, it's three days.\n\nSo it's depending on the hours, so anywhere between, say, 1,500 to about 2,200. Okay. Yeah. Yeah. No.\n\nIt's probably $5.15 guiding sort of would be more accurate, I'm saying. Yeah. I would say they're lower, 15 or less 7. Yeah. Yep.\n\nNo. It's not I wouldn't say try. I'm trying to save a bit as well. Plenty plenty a trip in that. But yeah.\n\nBecause I'd I'd like to go to Malta, and I hope I've been, and that's where my father was from. So I do wanna go to where he grew up and stuff like that. That's what I've always wanted to do, and I figured, well, I'm gonna do it before it's too late. So I think that that yeah. Just trying to save a tweak for that and things like that.\n\nSo, yeah, it's it's not tight, but I'm really doing pretty well, but it's just, you know, one of those things. Yeah. I don't know. I know I've probably screwed you putting in a bit extra. That's probably a good idea.\n\nI just don't know if yeah. I probably should. Yeah. Yeah. Okay.\n\nYep. Oh, yeah. As much as possible. Partners doing most of that sort of balancing, but what did she say? That she's gonna put all her wages away, which is yeah.\n\nBecause it's part of, you know, that's that's how we set up. She's gonna put all hers away so it's around for 800 a week. That's I think that's the plan. So yeah. Truck driver.\n\nWell, a bit of both local. It's really local. It's it's not like all distance sleeping in a truck and that, but yeah. So it's local. I'm actually up in Brisbane at the moment working.\n\nYeah. Yeah. That port is up here because it's but It's worth having a little busy. Everything's quite a bit crazy. So I asked this few of us Newcastle bikes to come up in.\n\nOkay? Yeah. Yep. Yes. That's right.\n\nYeah. That's alright. Send them. Alright. Yeah.\n\nOkay. Yep. Yeah. Yeah. Yeah.\n\nShe's younger. She's got 12 years twelve years younger. She's, well, she probably would like to retire at the same time, I would say, but, yeah, just depending on what's going on. Professional. Yeah.\n\nIt's a Ram around $8,900. Yeah. Yeah. Got that. No.\n\nNo. I don't. I forget. And yeah. Yeah.\n\nPretty sure she's got something. I'm just it's not it's not a lot either, I don't think. But yeah. Yeah. I'm not sure.\n\nYeah. I I maybe I don't know for sure. I'd say I'd say the South Side maybe. Yeah. That's it.\n\nNo. It's alright. Oh, they're not. Well, that one, that's probably gone now. We've got another one.\n\nIt's it's probably up around 20 right now or maybe 15. This one is Colorado '20 '20 '16 World. Yeah. Yep. Not not as much as I should, but every chance I get.\n\nOh, I think it's still yeah. It should be the store in there. Yeah. You know, that one's gone too, but the other one is a new one. It's probably around the 50, and and we owe we owe a little bit on it.\n\nSo that was another question I I had. Would I be able to get some money out to pay towards that debt? Yeah. Yeah. It's just just to reduce that debt, I guess, but the plan is to pay it off.\n\nWhat is it? Jeez. I'm not sure now. It's about $40.45. I'll have to look at it.\n\nIt's a I see the m u x. Yeah. '22 model. Yeah. It's just yeah.\n\nWe should've needed a car at the time and probably went a bit bit more than I wanted to, but it was a good car. So yeah. It's yeah. Just give us something a bit more reliable and all that. So I just said it is at the time and and just working on paying that off as quick as possible.\n\nYep. Yeah. That's yeah. It would be I think the way it goes. Because I think overall, it would be better to reduce that debt as quick as possible.\n\nBut is it is it worth it in, like, a $100 cents, I guess? I guess it it should be. Yes. Yes. Yes.\n\nYes. Yeah. Yeah. Alright. Sounds good.\n\nYeah. Okay. No. That's it. That's it.\n\nNo. Everything's alright. It's yeah, everything's fine. It's just really just a a nice balance to not well, just not worth too hard, but just enough to to to save a bit and and, yeah, enjoy life a bit. Yeah.\n\nWell, that's, yeah, that's a big plan because that's, yeah, that's what I wanna do. So Well, not apart from if we're you know, as far as going, but but but buying a house maybe, but that's why I gotta decide whether whether it's not gonna happen and and plan to not have one and just rent or whatever, but or a unit or something like that. But, yeah, that's that's another goal that's just to set something up for somewhere to live, really. But yeah. It's yeah.\n\nJust wondering which way it'll go and whether it's worth even looking or yeah, that's all I was thinking. No. Not always wanted to, but just never got there. I never understood it enough to to know what to do. So always always wanted to get into it, but never did.\n\nOh, yeah. It's just that crystal ball thing. I I'm only because I need to get as much as I can. I I would like to sort of high risk, but yeah. I'm a little bit worried, so maybe medium.\n\nWell, it is what it is. I don't know. I'd I'd I would hope it's not. That sort of wouldn't happen. But, yeah, I I get yeah.\n\nI don't know. I don't know enough, I guess. But, you know, it is what it is. You know? Gotta get together to fly.\n\nProbably just calling you, I guess. Yeah. Yeah. Well, yeah. I would.\n\nBut, you know, to get it. But, yeah, he's gonna owe me money, really. We have a year ago, probably wouldn't be able to get it. So but you never know what comes along, that's all. You know?\n\nOkay. Yeah. Yeah. Yeah. I wish I knew.\n\nI don't know. Yeah. I don't I don't know really. I guess I guess so. Yeah.\n\nYeah. I'll I'll yes. Yeah. Yeah. Yeah.\n\nYeah. Yep. Yeah. I I don't know. I hate the insurance part.\n\nIt's it's something you need you need you need to do something about. Yep. Yeah. Yep. At this stage, I guess I'm happy.\n\nI take that to the chance, I guess. And, yes, at this stage, that'll do. I guess at this stage, I'm gonna need yeah, probably need something one day. Yeah. Just yeah.\n\nAnyway, that'll at this stage, it should be alright. Yep. Yep. K. Yeah.\n\nI'll put it with yeah. Yep. That sounds good. No. I think that's yeah.\n\nThat's about it. Okay. No. No. I think that's it.\n\nAlright. Thank you very much. Yeah. You too. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.02675699070096016},{"text":"Yeah.","start":6.3199997,"end":6.8199997,"sentiment":"positive","sentiment_score":0.41159144043922424},{"text":"Yeah.","start":19.905,"end":20.405,"sentiment":"neutral","sentiment_score":0.00039312243461608887},{"text":"No.","start":21.585001,"end":21.825,"sentiment":"neutral","sentiment_score":-0.000017557293176651},{"text":"No.","start":21.825,"end":22.145,"sentiment":"neutral","sentiment_score":0.08190296590328217}],"sentiment":"neutral","sentiment_score":0.1041253924369812,"num_words":5,"start":1.28,"end":22.145},{"sentences":[{"text":"It's all good.","start":22.145,"end":22.945,"sentiment":"neutral","sentiment_score":0.3293766180674235},{"text":"It's all good.","start":22.945,"end":23.845001,"sentiment":"positive","sentiment_score":0.45088161031405133},{"text":"Yeah.","start":31.69,"end":32.190002,"sentiment":"neutral","sentiment_score":0.09569032490253448},{"text":"Yeah.","start":41.61,"end":41.93,"sentiment":"neutral","sentiment_score":0.03591311722993851},{"text":"Karen Casar.","start":41.93,"end":42.91,"sentiment":"neutral","sentiment_score":0.025889594107866287}],"sentiment":"neutral","sentiment_score":0.252415731549263,"num_words":10,"start":22.145,"end":42.91},{"sentences":[{"text":"121065.","start":43.21,"end":44.989998,"sentiment":"neutral","sentiment_score":0.028452422469854355},{"text":"Number 2, Ellen Street.","start":46.495003,"end":47.655,"sentiment":"neutral","sentiment_score":0.06170886103063822},{"text":"Sorry.","start":47.655,"end":47.935,"sentiment":"neutral","sentiment_score":0.03467972204089165},{"text":"Yeah.","start":47.935,"end":48.435,"sentiment":"neutral","sentiment_score":0.07872959971427917},{"text":"Oh, yeah.","start":57.775,"end":58.255,"sentiment":"neutral","sentiment_score":0.1993791162967682}],"sentiment":"neutral","sentiment_score":0.08749504677123493,"num_words":9,"start":43.21,"end":58.255},{"sentences":[{"text":"It's good.","start":58.255,"end":58.995003,"sentiment":"neutral","sentiment_score":0.326787993311882},{"text":"Yep.","start":59.055,"end":59.52,"sentiment":"neutral","sentiment_score":0.16730765998363495},{"text":"Yeah.","start":65.6,"end":65.92,"sentiment":"neutral","sentiment_score":0.07728201150894165},{"text":"Normally, your weekend is as well, like a Saturday.","start":65.92,"end":68.26,"sentiment":"neutral","sentiment_score":0.1233589616086748},{"text":"Christmas party.","start":76.155,"end":77.215,"sentiment":"neutral","sentiment_score":0.08278264850378036}],"sentiment":"neutral","sentiment_score":0.14493077397346496,"num_words":15,"start":58.255,"end":77.215},{"sentences":[{"text":"Yeah.","start":79.195,"end":79.595,"sentiment":"neutral","sentiment_score":0.28156113624572754},{"text":"That was very good.","start":79.595,"end":80.575,"sentiment":"positive","sentiment_score":0.4365207254886627},{"text":"No.","start":95.05,"end":95.53,"sentiment":"neutral","sentiment_score":-0.1576327383518219},{"text":"Just just the future of what I can do and what I should be doing.","start":95.53,"end":102.090004,"sentiment":"neutral","sentiment_score":-0.16967736333608627},{"text":"Like, see my my age and probably not gonna be able to get a house, but, yeah, things like that where because I haven't got a house, and that's what I didn't want.","start":102.090004,"end":120.13,"sentiment":"neutral","sentiment_score":-0.1430845010009679}],"sentiment":"neutral","sentiment_score":-0.09994329043008664,"num_words":54,"start":79.195,"end":120.13},{"sentences":[{"text":"But, yeah, I'm just wondering, you know, if I can do something like that.","start":120.13,"end":128.05,"sentiment":"neutral","sentiment_score":-0.06358540237748198},{"text":"But, yeah, that'd be the only thing.","start":128.05,"end":131.65,"sentiment":"neutral","sentiment_score":-0.1116932790194239},{"text":"And another thing would be is there can you buy a house within your super?","start":131.65,"end":140.955,"sentiment":"neutral","sentiment_score":0.034919076164563495},{"text":"Yep.","start":155.18999,"end":155.68999,"sentiment":"neutral","sentiment_score":0.029522022232413292},{"text":"Okay.","start":169.085,"end":169.585,"sentiment":"neutral","sentiment_score":-0.1035272553563118}],"sentiment":"neutral","sentiment_score":-0.032164938870425284,"num_words":38,"start":120.13,"end":169.585},{"sentences":[{"text":"Yes.","start":189.38501,"end":189.88501,"sentiment":"neutral","sentiment_score":-0.08706989884376526},{"text":"Yeah.","start":201.705,"end":202.02,"sentiment":"neutral","sentiment_score":-0.005927182734012604},{"text":"Yeah.","start":206.34,"end":206.66,"sentiment":"neutral","sentiment_score":-0.035238347947597504},{"text":"Yeah.","start":206.66,"end":206.82,"sentiment":"neutral","sentiment_score":-0.031953565776348114},{"text":"Yeah.","start":206.82,"end":207.06,"sentiment":"neutral","sentiment_score":-0.041382454335689545}],"sentiment":"neutral","sentiment_score":-0.04031428992748261,"num_words":5,"start":189.38501,"end":207.06},{"sentences":[{"text":"I thought there was some, yeah, rules.","start":207.06,"end":209.54001,"sentiment":"neutral","sentiment_score":-0.09359234252146312},{"text":"Yeah.","start":209.54001,"end":209.86,"sentiment":"neutral","sentiment_score":-0.03715822845697403},{"text":"Alright.","start":209.86,"end":210.36,"sentiment":"neutral","sentiment_score":-0.0010040986817330122},{"text":"Yes.","start":228.575,"end":228.96,"sentiment":"neutral","sentiment_score":-0.18447592854499817},{"text":"Yes.","start":239.12001,"end":239.62001,"sentiment":"neutral","sentiment_score":-0.0959431380033493}],"sentiment":"neutral","sentiment_score":-0.08852070830339058,"num_words":11,"start":207.06,"end":239.62001},{"sentences":[{"text":"Yeah.","start":264.58,"end":265.08,"sentiment":"neutral","sentiment_score":0.04164918139576912},{"text":"Well, yeah.","start":272.885,"end":274.105,"sentiment":"neutral","sentiment_score":-0.03987976722419262},{"text":"I don't know.","start":274.965,"end":275.765,"sentiment":"neutral","sentiment_score":-0.10456159462531407},{"text":"Probably probably not because I'm I I do know I'm not gonna have enough.","start":275.765,"end":280.345,"sentiment":"neutral","sentiment_score":-0.3166397645005158},{"text":"That's that's the thing, but I just well, I wouldn't like a house, but to to live in or or something.","start":282.485,"end":290.46,"sentiment":"neutral","sentiment_score":-0.16736190783835592}],"sentiment":"neutral","sentiment_score":-0.20242321718393302,"num_words":41,"start":264.58,"end":290.46},{"sentences":[{"text":"But yeah.","start":290.52,"end":292.62,"sentiment":"neutral","sentiment_score":-0.17369291931390762},{"text":"I know I'm not gonna have enough.","start":292.75998,"end":295.18,"sentiment":"negative","sentiment_score":-0.3913206287792751},{"text":"So anyway.","start":295.4,"end":298.36,"sentiment":"neutral","sentiment_score":-0.17540108412504196},{"text":"Yeah.","start":298.36,"end":298.59998,"sentiment":"neutral","sentiment_score":-0.0980340987443924},{"text":"That's that's where I'm at.","start":298.59998,"end":300.215,"sentiment":"neutral","sentiment_score":-0.056080741435289384}],"sentiment":"neutral","sentiment_score":-0.2244629537796273,"num_words":17,"start":290.52,"end":300.215},{"sentences":[{"text":"Yeah.","start":312.435,"end":312.835,"sentiment":"neutral","sentiment_score":0.027401193976402283},{"text":"Yeah.","start":312.835,"end":313.07498,"sentiment":"neutral","sentiment_score":0.02878071554005146},{"text":"That's yeah.","start":313.07498,"end":314.18,"sentiment":"neutral","sentiment_score":0.02830415777862072},{"text":"That's right.","start":326.08002,"end":326.72,"sentiment":"neutral","sentiment_score":0.1016886979341507},{"text":"Yeah.","start":326.72,"end":326.895,"sentiment":"neutral","sentiment_score":0.13290968537330627}],"sentiment":"neutral","sentiment_score":0.06415390090218612,"num_words":7,"start":312.435,"end":326.895},{"sentences":[{"text":"Yeah.","start":351.41,"end":351.65,"sentiment":"neutral","sentiment_score":0.08839552849531174},{"text":"I can have a look later.","start":351.65,"end":353.35,"sentiment":"neutral","sentiment_score":0.09617021058996518},{"text":"Yeah.","start":363.33502,"end":363.655,"sentiment":"neutral","sentiment_score":0.08215765655040741},{"text":"That's right.","start":363.655,"end":364.55502,"sentiment":"neutral","sentiment_score":0.15791653096675873},{"text":"Yes.","start":399.08002,"end":399.58002,"sentiment":"neutral","sentiment_score":0.12149283289909364}],"sentiment":"neutral","sentiment_score":0.10771821303801103,"num_words":11,"start":351.41,"end":399.58002},{"sentences":[{"text":"Yeah.","start":416.995,"end":417.495,"sentiment":"neutral","sentiment_score":0.2705586552619934},{"text":"Yes.","start":486.53,"end":487.03,"sentiment":"positive","sentiment_score":0.3743051290512085},{"text":"A little bit, but, you know, I'd I'd like to do a lot more.","start":585.45496,"end":589.295,"sentiment":"neutral","sentiment_score":-0.10717174304383141},{"text":"I just probably don't get enough to do yeah.","start":589.295,"end":597.2,"sentiment":"neutral","sentiment_score":-0.1527766916486952},{"text":"I want to learn a bit more about it, but yeah.","start":597.2,"end":601.12,"sentiment":"neutral","sentiment_score":0.043225588954307816}],"sentiment":"neutral","sentiment_score":-0.048751371240036354,"num_words":36,"start":416.995,"end":601.12},{"sentences":[{"text":"Not enough.","start":601.12,"end":601.86,"sentiment":"neutral","sentiment_score":-0.2479802966117859},{"text":"Yeah.","start":700.065,"end":700.385,"sentiment":"neutral","sentiment_score":0.08890122175216675},{"text":"Yeah.","start":700.385,"end":700.785,"sentiment":"neutral","sentiment_score":0.08933976292610168},{"text":"Yeah.","start":700.785,"end":701.105,"sentiment":"neutral","sentiment_score":0.0952422171831131},{"text":"It does.","start":701.105,"end":701.665,"sentiment":"neutral","sentiment_score":0.1036408469080925}],"sentiment":"neutral","sentiment_score":-0.002170813935143607,"num_words":7,"start":601.12,"end":701.665},{"sentences":[{"text":"That's that's yeah.","start":701.665,"end":704.245,"sentiment":"neutral","sentiment_score":0.09704417983690898},{"text":"That's what I need on.","start":704.705,"end":705.745,"sentiment":"neutral","sentiment_score":0.07529923766851425},{"text":"Because I I feel like I keep wondering whether I you should be doing something different or better or more to not knowing how much I'll need, of course, but obviously a lot more than I've got.","start":705.745,"end":717.97003,"sentiment":"neutral","sentiment_score":-0.1754500748136559},{"text":"So yeah.","start":717.97003,"end":720.0,"sentiment":"neutral","sentiment_score":0.015812009572982788},{"text":"Now would be good, but that ain't gonna happen.","start":730.135,"end":734.875,"sentiment":"neutral","sentiment_score":-0.3224027016096645}],"sentiment":"neutral","sentiment_score":-0.15525043456416046,"num_words":56,"start":701.665,"end":734.875},{"sentences":[{"text":"Yeah.","start":738.135,"end":738.635,"sentiment":"neutral","sentiment_score":-0.12701216340065002},{"text":"Well, I don't yeah.","start":738.855,"end":741.12,"sentiment":"neutral","sentiment_score":-0.1993725225329399},{"text":"As soon as possible, but, yeah, as much as I gotta do, I've gotta take down, I guess.","start":741.12,"end":745.7,"sentiment":"neutral","sentiment_score":-0.2601950706707107},{"text":"And because oh, it's alright.","start":748.56,"end":752.32,"sentiment":"neutral","sentiment_score":-0.08571226745843888},{"text":"Because I I don't I don't do a lot of work and stuff like midweek stuff online, casual, and do the weekends and stuff.","start":752.32,"end":763.275,"sentiment":"neutral","sentiment_score":-0.19655208693196377}],"sentiment":"neutral","sentiment_score":-0.20680432594739473,"num_words":52,"start":738.135,"end":763.275},{"sentences":[{"text":"So I do miss out on a fair bit of super, I would say.","start":763.275,"end":767.05505,"sentiment":"negative","sentiment_score":-0.35528125933238436},{"text":"So so, yeah, that's why I'm probably struggling a bit to get that account a bit more.","start":768.04004,"end":776.54004,"sentiment":"neutral","sentiment_score":-0.3105572576031965},{"text":"This last three weeks, I've done been doing a bit extra because the the last three weeks, I have been doing a bit extra, but I'm just trying to find a a nice balance, work life balance sort of in there.","start":778.52,"end":798.17,"sentiment":"neutral","sentiment_score":0.01626932094009911},{"text":"It's it it in one way, it does affecting in other ways with my super and stuff.","start":798.17,"end":805.13,"sentiment":"neutral","sentiment_score":-0.04112627313417547},{"text":"So it's a yeah.","start":805.13,"end":807.31,"sentiment":"neutral","sentiment_score":0.031646001734770834}],"sentiment":"neutral","sentiment_score":-0.10923582244844686,"num_words":93,"start":763.275,"end":807.31},{"sentences":[{"text":"Yeah.","start":822.2,"end":822.52,"sentiment":"neutral","sentiment_score":0.1337536871433258},{"text":"Yeah.","start":822.52,"end":822.76,"sentiment":"neutral","sentiment_score":0.15487851202487946},{"text":"I have it.","start":822.76,"end":823.08,"sentiment":"neutral","sentiment_score":0.1981647660334905},{"text":"I have it.","start":823.08,"end":824.07,"sentiment":"neutral","sentiment_score":0.25101712842782337},{"text":"Yep.","start":901.195,"end":901.695,"sentiment":"neutral","sentiment_score":0.1016983836889267}],"sentiment":"neutral","sentiment_score":0.19309736291567484,"num_words":9,"start":822.2,"end":901.695},{"sentences":[{"text":"Yeah.","start":902.475,"end":902.875,"sentiment":"neutral","sentiment_score":0.024174176156520844},{"text":"Yeah.","start":902.875,"end":903.115,"sentiment":"neutral","sentiment_score":0.017479848116636276},{"text":"I'm sorry.","start":903.115,"end":903.595,"sentiment":"neutral","sentiment_score":-0.04511169623583555},{"text":"I wanna yeah.","start":903.595,"end":904.495,"sentiment":"neutral","sentiment_score":-0.03904416412115097},{"text":"Yeah.","start":904.635,"end":905.135,"sentiment":"neutral","sentiment_score":0.16674669086933136}],"sentiment":"neutral","sentiment_score":0.00013060378842055798,"num_words":8,"start":902.475,"end":905.135},{"sentences":[{"text":"You know, do you really I I was gonna be worried because I don't know well, I don't know.","start":937.22,"end":946.74,"sentiment":"neutral","sentiment_score":-0.24615401657004105},{"text":"For me, it doesn't I don't know if it's secure enough or if there's a crash gonna happen, of course, you lose it all.","start":946.74,"end":952.815,"sentiment":"neutral","sentiment_score":-0.12076469922127823},{"text":"I don't know fully know how it all works, but I know I need every sort of thing I can get.","start":954.075,"end":960.875,"sentiment":"neutral","sentiment_score":-0.02662170279238905},{"text":"So yeah.","start":960.875,"end":972.32,"sentiment":"neutral","sentiment_score":0.09351859614253044},{"text":"Yes.","start":1012.755,"end":1013.255,"sentiment":"neutral","sentiment_score":0.04860974848270416}],"sentiment":"neutral","sentiment_score":-0.11789086438826661,"num_words":67,"start":937.22,"end":1013.255},{"sentences":[{"text":"Okay.","start":1013.555,"end":1013.955,"sentiment":"neutral","sentiment_score":0.04056944698095322},{"text":"Yeah.","start":1013.955,"end":1014.455,"sentiment":"neutral","sentiment_score":0.12868960201740265},{"text":"Yeah.","start":1040.905,"end":1041.3049,"sentiment":"neutral","sentiment_score":0.05698670446872711},{"text":"Yeah.","start":1041.3049,"end":1041.8049,"sentiment":"neutral","sentiment_score":0.0741625502705574},{"text":"Yeah.","start":1066.58,"end":1067.08,"sentiment":"neutral","sentiment_score":0.014200191013514996}],"sentiment":"neutral","sentiment_score":0.06292169895023107,"num_words":5,"start":1013.555,"end":1067.08},{"sentences":[{"text":"He's just well, it depends on on health and and and that's why I'm working working less.","start":1070.285,"end":1079.8251,"sentiment":"neutral","sentiment_score":-0.04252400523161187},{"text":"Yeah.","start":1081.02,"end":1081.52,"sentiment":"neutral","sentiment_score":0.00373007170855999},{"text":"65 would be good, but I yeah.","start":1083.26,"end":1087.5801,"sentiment":"neutral","sentiment_score":0.012901686664138521},{"text":"I'm probably not bad enough.","start":1087.5801,"end":1088.7001,"sentiment":"neutral","sentiment_score":-0.19433016180992127},{"text":"So, you know, I have to go a bit more.","start":1088.7001,"end":1090.8,"sentiment":"neutral","sentiment_score":-0.11685570403933525}],"sentiment":"neutral","sentiment_score":-0.06922685150057077,"num_words":40,"start":1070.285,"end":1090.8},{"sentences":[{"text":"Yeah.","start":1125.825,"end":1126.325,"sentiment":"neutral","sentiment_score":0.11645688116550446},{"text":"Yeah.","start":1127.985,"end":1128.485,"sentiment":"neutral","sentiment_score":0.09254281967878342},{"text":"Well, yeah, they have to well, I I would say less just to keep me going a bit more, but it's on there.","start":1167.085,"end":1179.26,"sentiment":"neutral","sentiment_score":-0.09674722110123737},{"text":"It has to be less because I won't be doing as much in in that.","start":1179.4801,"end":1192.215,"sentiment":"neutral","sentiment_score":-0.15208049385497968},{"text":"Well, that's at the moment, we haven't got a cheap setup, but I think it's gonna change and it'll probably change.","start":1192.355,"end":1200.5399,"sentiment":"neutral","sentiment_score":-0.05469109512688149}],"sentiment":"neutral","sentiment_score":-0.08927716049136686,"num_words":61,"start":1125.825,"end":1200.5399},{"sentences":[{"text":"At the moment, we're only paying $4.50.","start":1201.3999,"end":1203.4199,"sentiment":"neutral","sentiment_score":-0.04514131375721523},{"text":"But, yeah, I I would say it'll change because we're gonna have to move sort of soon, but don't know yet.","start":1204.2799,"end":1216.3651,"sentiment":"neutral","sentiment_score":-0.03309348784387112},{"text":"But at the moment, it's pretty good.","start":1216.3651,"end":1218.2251,"sentiment":"neutral","sentiment_score":0.2769134076578276},{"text":"Because I only do this three days, and and I'll do more at you know, when when needed and when I can and so forth.","start":1237.34,"end":1245.405,"sentiment":"neutral","sentiment_score":0.07950568959116935},{"text":"But normally, it's three days.","start":1245.405,"end":1247.345,"sentiment":"neutral","sentiment_score":0.03131231814622879}],"sentiment":"neutral","sentiment_score":0.047256080662974945,"num_words":65,"start":1201.3999,"end":1247.345},{"sentences":[{"text":"So it's depending on the hours, so anywhere between, say, 1,500 to about 2,200.","start":1247.725,"end":1258.73,"sentiment":"neutral","sentiment_score":0.033628510045153756},{"text":"Okay.","start":1261.99,"end":1262.1499,"sentiment":"neutral","sentiment_score":0.031179647892713547},{"text":"Yeah.","start":1262.1499,"end":1262.5499,"sentiment":"neutral","sentiment_score":0.031093882396817207},{"text":"Yeah.","start":1262.5499,"end":1263.0499,"sentiment":"neutral","sentiment_score":0.03304331749677658},{"text":"No.","start":1276.475,"end":1276.715,"sentiment":"neutral","sentiment_score":-0.09784737974405287}],"sentiment":"neutral","sentiment_score":0.026014922704133723,"num_words":18,"start":1247.725,"end":1276.715},{"sentences":[{"text":"It's probably $5.15 guiding sort of would be more accurate, I'm saying.","start":1276.715,"end":1283.24,"sentiment":"neutral","sentiment_score":-0.056669791073848806},{"text":"Yeah.","start":1295.7,"end":1296.2,"sentiment":"neutral","sentiment_score":-0.005605820566415787},{"text":"I would say they're lower, 15 or less 7.","start":1296.34,"end":1299.995,"sentiment":"neutral","sentiment_score":-0.008437531689802805},{"text":"Yeah.","start":1299.995,"end":1300.495,"sentiment":"neutral","sentiment_score":0.04475413262844086},{"text":"Yep.","start":1300.955,"end":1301.455,"sentiment":"neutral","sentiment_score":0.1482774019241333}],"sentiment":"neutral","sentiment_score":-0.02368956517117719,"num_words":24,"start":1276.715,"end":1301.455},{"sentences":[{"text":"No.","start":1379.83,"end":1379.91,"sentiment":"neutral","sentiment_score":-0.1804964244365692},{"text":"It's not I wouldn't say try.","start":1379.91,"end":1382.23,"sentiment":"neutral","sentiment_score":-0.22267445673545203},{"text":"I'm trying to save a bit as well.","start":1382.23,"end":1385.585,"sentiment":"neutral","sentiment_score":-0.10109989158809185},{"text":"Plenty plenty a trip in that.","start":1385.885,"end":1389.325,"sentiment":"neutral","sentiment_score":0.2639300773541133},{"text":"But yeah.","start":1389.325,"end":1391.725,"sentiment":"neutral","sentiment_score":0.19450431317090988}],"sentiment":"neutral","sentiment_score":-0.015337095960326817,"num_words":23,"start":1379.83,"end":1391.725},{"sentences":[{"text":"Because I'd I'd like to go to Malta, and I hope I've been, and that's where my father was from.","start":1391.725,"end":1401.19,"sentiment":"neutral","sentiment_score":0.22860470376908779},{"text":"So I do wanna go to where he grew up and stuff like that.","start":1401.89,"end":1405.9099,"sentiment":"neutral","sentiment_score":0.20978236304862158},{"text":"That's what I've always wanted to do, and I figured, well, I'm gonna do it before it's too late.","start":1406.21,"end":1411.1699,"sentiment":"neutral","sentiment_score":0.22013652403103678},{"text":"So I think that that yeah.","start":1411.1699,"end":1415.235,"sentiment":"neutral","sentiment_score":0.21049088736375174},{"text":"Just trying to save a tweak for that and things like that.","start":1415.235,"end":1419.635,"sentiment":"neutral","sentiment_score":0.12848478462547064}],"sentiment":"neutral","sentiment_score":0.20417470217380726,"num_words":71,"start":1391.725,"end":1419.635},{"sentences":[{"text":"So, yeah, it's it's not tight, but I'm really doing pretty well, but it's just, you know, one of those things.","start":1419.635,"end":1426.9349,"sentiment":"neutral","sentiment_score":0.08886861799761564},{"text":"Yeah.","start":1460.4199,"end":1460.74,"sentiment":"neutral","sentiment_score":-0.05703761428594589},{"text":"I don't know.","start":1460.74,"end":1464.84,"sentiment":"neutral","sentiment_score":-0.1414516344666481},{"text":"I know I've probably screwed you putting in a bit extra.","start":1465.22,"end":1467.96,"sentiment":"neutral","sentiment_score":-0.29443409768017853},{"text":"That's probably a good idea.","start":1471.22,"end":1473.24,"sentiment":"neutral","sentiment_score":0.24856954514980317}],"sentiment":"neutral","sentiment_score":-0.01490436313338805,"num_words":41,"start":1419.635,"end":1473.24},{"sentences":[{"text":"I just don't know if yeah.","start":1473.2999,"end":1475.7151,"sentiment":"neutral","sentiment_score":-0.05029356355468432},{"text":"I probably should.","start":1475.7151,"end":1476.6951,"sentiment":"neutral","sentiment_score":-0.04778937747081121},{"text":"Yeah.","start":1511.385,"end":1511.865,"sentiment":"neutral","sentiment_score":0.0916234478354454},{"text":"Yeah.","start":1511.865,"end":1512.1849,"sentiment":"neutral","sentiment_score":0.1048094779253006},{"text":"Okay.","start":1512.1849,"end":1512.63,"sentiment":"neutral","sentiment_score":0.13752934336662292}],"sentiment":"neutral","sentiment_score":-0.009263937051097551,"num_words":12,"start":1473.2999,"end":1512.63},{"sentences":[{"text":"Yep.","start":1524.87,"end":1525.37,"sentiment":"neutral","sentiment_score":0.04261119291186333},{"text":"Oh, yeah.","start":1525.99,"end":1526.39,"sentiment":"neutral","sentiment_score":0.04912886768579483},{"text":"As much as possible.","start":1526.39,"end":1527.53,"sentiment":"neutral","sentiment_score":0.04582561831921339},{"text":"Partners doing most of that sort of balancing, but what did she say?","start":1528.9551,"end":1536.875,"sentiment":"neutral","sentiment_score":-0.00529571665594211},{"text":"That she's gonna put all her wages away, which is yeah.","start":1536.875,"end":1543.775,"sentiment":"neutral","sentiment_score":-0.06548065438189289}],"sentiment":"neutral","sentiment_score":-0.014998713327992347,"num_words":31,"start":1524.87,"end":1543.775},{"sentences":[{"text":"Because it's part of, you know, that's that's how we set up.","start":1544.6,"end":1547.72,"sentiment":"neutral","sentiment_score":0.003121491346973926},{"text":"She's gonna put all hers away so it's around for 800 a week.","start":1547.72,"end":1553.18,"sentiment":"neutral","sentiment_score":-0.0193081599382612},{"text":"That's I think that's the plan.","start":1555.8,"end":1557.64,"sentiment":"neutral","sentiment_score":0.12447590753436089},{"text":"So yeah.","start":1557.64,"end":1558.55,"sentiment":"neutral","sentiment_score":0.10149229690432549},{"text":"Truck driver.","start":1577.77,"end":1578.51,"sentiment":"neutral","sentiment_score":0.011815447360277176}],"sentiment":"neutral","sentiment_score":0.021712078591476062,"num_words":35,"start":1544.6,"end":1578.51},{"sentences":[{"text":"Well, a bit of both local.","start":1583.13,"end":1584.67,"sentiment":"neutral","sentiment_score":0.027313340610514086},{"text":"It's really local.","start":1584.73,"end":1585.77,"sentiment":"neutral","sentiment_score":0.04951766630013784},{"text":"It's it's not like all distance sleeping in a truck and that, but yeah.","start":1585.77,"end":1591.565,"sentiment":"neutral","sentiment_score":0.007766771329832929},{"text":"So it's local.","start":1591.565,"end":1592.5449,"sentiment":"neutral","sentiment_score":0.09967600554227829},{"text":"I'm actually up in Brisbane at the moment working.","start":1593.005,"end":1595.345,"sentiment":"neutral","sentiment_score":0.15104337533315024}],"sentiment":"neutral","sentiment_score":0.05941674959446703,"num_words":35,"start":1583.13,"end":1595.345},{"sentences":[{"text":"Yeah.","start":1597.565,"end":1597.885,"sentiment":"neutral","sentiment_score":0.05026070773601532},{"text":"Yeah.","start":1597.885,"end":1598.205,"sentiment":"neutral","sentiment_score":0.04580621048808098},{"text":"That port is up here because it's but It's worth having a little busy.","start":1598.205,"end":1603.94,"sentiment":"neutral","sentiment_score":0.028318888707352535},{"text":"Everything's quite a bit crazy.","start":1603.94,"end":1605.5599,"sentiment":"neutral","sentiment_score":-0.007758720591664314},{"text":"So I asked this few of us Newcastle bikes to come up in.","start":1606.0199,"end":1610.12,"sentiment":"neutral","sentiment_score":0.017381827132059977}],"sentiment":"neutral","sentiment_score":0.019991220878985,"num_words":34,"start":1597.565,"end":1610.12},{"sentences":[{"text":"Okay?","start":1610.82,"end":1611.32,"sentiment":"neutral","sentiment_score":0.06059132516384125},{"text":"Yeah.","start":1621.965,"end":1622.445,"sentiment":"neutral","sentiment_score":0.024238739162683487},{"text":"Yep.","start":1622.445,"end":1622.945,"sentiment":"neutral","sentiment_score":0.0260641910135746},{"text":"Yes.","start":1633.79,"end":1634.03,"sentiment":"neutral","sentiment_score":0.024266405031085014},{"text":"That's right.","start":1634.03,"end":1634.51,"sentiment":"neutral","sentiment_score":0.03570994362235069}],"sentiment":"neutral","sentiment_score":0.03443009126931429,"num_words":6,"start":1610.82,"end":1634.51},{"sentences":[{"text":"Yeah.","start":1634.51,"end":1635.01,"sentiment":"neutral","sentiment_score":0.042512036859989166},{"text":"That's alright.","start":1638.43,"end":1639.15,"sentiment":"neutral","sentiment_score":-0.01011134061263874},{"text":"Send them.","start":1639.15,"end":1639.89,"sentiment":"neutral","sentiment_score":0.011023864150047302},{"text":"Alright.","start":1650.435,"end":1650.8351,"sentiment":"neutral","sentiment_score":0.04585620015859604},{"text":"Yeah.","start":1650.8351,"end":1651.0751,"sentiment":"neutral","sentiment_score":0.05229732394218445}],"sentiment":"neutral","sentiment_score":0.020355801147940968,"num_words":7,"start":1634.51,"end":1651.0751},{"sentences":[{"text":"Okay.","start":1651.0751,"end":1651.5751,"sentiment":"neutral","sentiment_score":0.059893377125263214},{"text":"Yep.","start":1652.435,"end":1652.935,"sentiment":"neutral","sentiment_score":0.06129341572523117},{"text":"Yeah.","start":1656.18,"end":1656.5,"sentiment":"neutral","sentiment_score":0.023158777505159375},{"text":"Yeah.","start":1656.5,"end":1656.8201,"sentiment":"neutral","sentiment_score":0.01996445655822754},{"text":"Yeah.","start":1656.8201,"end":1657.3201,"sentiment":"neutral","sentiment_score":0.014770310372114182}],"sentiment":"neutral","sentiment_score":0.0358160674571991,"num_words":5,"start":1651.0751,"end":1657.3201},{"sentences":[{"text":"She's younger.","start":1666.1001,"end":1666.92,"sentiment":"neutral","sentiment_score":-0.020209482870996},{"text":"She's got 12 years twelve years younger.","start":1667.54,"end":1669.9601,"sentiment":"neutral","sentiment_score":0.00834150000342301},{"text":"She's, well, she probably would like to retire at the same time, I would say, but, yeah, just depending on what's going on.","start":1671.3,"end":1680.135,"sentiment":"neutral","sentiment_score":0.14831217313590256},{"text":"Professional.","start":1680.915,"end":1681.415,"sentiment":"positive","sentiment_score":0.35487914085388184},{"text":"Yeah.","start":1697.74,"end":1698.06,"sentiment":"neutral","sentiment_score":0.032826390117406845}],"sentiment":"neutral","sentiment_score":0.1122605013935005,"num_words":34,"start":1666.1001,"end":1698.06},{"sentences":[{"text":"It's a Ram around $8,900.","start":1698.06,"end":1700.735,"sentiment":"neutral","sentiment_score":0.04588482901453972},{"text":"Yeah.","start":1702.9551,"end":1703.4551,"sentiment":"neutral","sentiment_score":0.0646393820643425},{"text":"Yeah.","start":1703.755,"end":1703.915,"sentiment":"neutral","sentiment_score":0.09268230199813844},{"text":"Got that.","start":1703.915,"end":1704.655,"sentiment":"neutral","sentiment_score":0.21982461214065552},{"text":"No.","start":1717.13,"end":1717.37,"sentiment":"neutral","sentiment_score":-0.057980772107839584}],"sentiment":"neutral","sentiment_score":0.0768414281308651,"num_words":10,"start":1698.06,"end":1717.37},{"sentences":[{"text":"No.","start":1717.37,"end":1717.61,"sentiment":"neutral","sentiment_score":-0.07644771039485931},{"text":"I don't.","start":1717.61,"end":1718.0901,"sentiment":"neutral","sentiment_score":-0.08343023806810379},{"text":"I forget.","start":1718.0901,"end":1718.67,"sentiment":"neutral","sentiment_score":-0.06159919500350952},{"text":"And yeah.","start":1727.995,"end":1728.475,"sentiment":"neutral","sentiment_score":0.022470091469585896},{"text":"Yeah.","start":1728.475,"end":1728.975,"sentiment":"neutral","sentiment_score":0.05618150532245636}],"sentiment":"neutral","sentiment_score":-0.03317311103455722,"num_words":8,"start":1717.37,"end":1728.975},{"sentences":[{"text":"Pretty sure she's got something.","start":1729.035,"end":1730.475,"sentiment":"neutral","sentiment_score":0.046063462644815444},{"text":"I'm just it's not it's not a lot either, I don't think.","start":1730.475,"end":1734.415,"sentiment":"neutral","sentiment_score":-0.04532563282797734},{"text":"But yeah.","start":1734.475,"end":1737.855,"sentiment":"neutral","sentiment_score":0.0017708237282931805},{"text":"Yeah.","start":1738.955,"end":1739.275,"sentiment":"neutral","sentiment_score":0.0232740119099617},{"text":"I'm not sure.","start":1739.275,"end":1740.3099,"sentiment":"neutral","sentiment_score":-0.018007549559115432}],"sentiment":"neutral","sentiment_score":-0.0148172726096717,"num_words":23,"start":1729.035,"end":1740.3099},{"sentences":[{"text":"Yeah.","start":1751.01,"end":1751.51,"sentiment":"neutral","sentiment_score":-0.02290651947259903},{"text":"I I maybe I don't know for sure.","start":1752.04,"end":1756.915,"sentiment":"neutral","sentiment_score":-0.057653446681797504},{"text":"I'd say I'd say the South Side maybe.","start":1757.375,"end":1760.035,"sentiment":"neutral","sentiment_score":-0.024785380577668548},{"text":"Yeah.","start":1767.79,"end":1767.87,"sentiment":"neutral","sentiment_score":0.04352162778377533},{"text":"That's it.","start":1767.87,"end":1775.41,"sentiment":"neutral","sentiment_score":0.04152608849108219}],"sentiment":"neutral","sentiment_score":-0.027792166639119386,"num_words":20,"start":1751.01,"end":1775.41},{"sentences":[{"text":"No.","start":1800.36,"end":1800.6,"sentiment":"neutral","sentiment_score":-0.12461715936660768},{"text":"It's alright.","start":1800.6,"end":1801.26,"sentiment":"neutral","sentiment_score":-0.07612684369087219},{"text":"Oh, they're not.","start":1802.04,"end":1803.02,"sentiment":"neutral","sentiment_score":-0.07745685428380966},{"text":"Well, that one, that's probably gone now.","start":1834.49,"end":1836.57,"sentiment":"neutral","sentiment_score":-0.17456354200839996},{"text":"We've got another one.","start":1836.57,"end":1837.79,"sentiment":"neutral","sentiment_score":-0.10977568291127682}],"sentiment":"neutral","sentiment_score":-0.12766405501786401,"num_words":17,"start":1800.36,"end":1837.79},{"sentences":[{"text":"It's it's probably up around 20 right now or maybe 15.","start":1839.29,"end":1844.725,"sentiment":"neutral","sentiment_score":-0.010193133303387598},{"text":"This one is Colorado '20 '20 '16 World.","start":1849.1849,"end":1862.69,"sentiment":"neutral","sentiment_score":0.03231774386949837},{"text":"Yeah.","start":1865.61,"end":1866.09,"sentiment":"neutral","sentiment_score":0.02376702800393105},{"text":"Yep.","start":1866.09,"end":1866.495,"sentiment":"neutral","sentiment_score":0.028450611978769302},{"text":"Not not as much as I should, but every chance I get.","start":1871.375,"end":1876.995,"sentiment":"neutral","sentiment_score":-0.025335016039510567}],"sentiment":"neutral","sentiment_score":-0.0031934869052334266,"num_words":33,"start":1839.29,"end":1876.995},{"sentences":[{"text":"Oh, I think it's still yeah.","start":1888.99,"end":1891.515,"sentiment":"neutral","sentiment_score":-0.011902921522657076},{"text":"It should be the store in there.","start":1891.515,"end":1892.915,"sentiment":"neutral","sentiment_score":0.003472929687372276},{"text":"Yeah.","start":1892.915,"end":1893.415,"sentiment":"neutral","sentiment_score":0.003767023794353008},{"text":"You know, that one's gone too, but the other one is a new one.","start":1911.54,"end":1916.3401,"sentiment":"neutral","sentiment_score":-0.0353995052033237},{"text":"It's probably around the 50, and and we owe we owe a little bit on it.","start":1916.3401,"end":1921.205,"sentiment":"neutral","sentiment_score":-0.04268355201929808}],"sentiment":"neutral","sentiment_score":-0.02776977051557465,"num_words":44,"start":1888.99,"end":1921.205},{"sentences":[{"text":"So that was another question I I had.","start":1921.205,"end":1924.505,"sentiment":"neutral","sentiment_score":-0.011849958449602127},{"text":"Would I be able to get some money out to pay towards that debt?","start":1925.365,"end":1930.825,"sentiment":"neutral","sentiment_score":0.19577206458364213},{"text":"Yeah.","start":1972.19,"end":1972.59,"sentiment":"neutral","sentiment_score":0.05234207585453987},{"text":"Yeah.","start":1972.59,"end":1973.09,"sentiment":"neutral","sentiment_score":0.05913763865828514},{"text":"It's just just to reduce that debt, I guess, but the plan is to pay it off.","start":1973.3099,"end":1978.505,"sentiment":"neutral","sentiment_score":0.02936302651377285}],"sentiment":"neutral","sentiment_score":0.0794307415078326,"num_words":41,"start":1921.205,"end":1978.505},{"sentences":[{"text":"What is it?","start":1984.245,"end":1985.145,"sentiment":"neutral","sentiment_score":-0.018903379638989765},{"text":"Jeez.","start":1987.125,"end":1987.365,"sentiment":"neutral","sentiment_score":-0.016263112425804138},{"text":"I'm not sure now.","start":1987.365,"end":1988.0851,"sentiment":"neutral","sentiment_score":-0.06904435530304909},{"text":"It's about $40.45.","start":1988.0851,"end":1991.86,"sentiment":"neutral","sentiment_score":-0.03889034936825434},{"text":"I'll have to look at it.","start":1991.86,"end":1993.0801,"sentiment":"neutral","sentiment_score":-0.03159367634604374}],"sentiment":"neutral","sentiment_score":-0.038551986984470314,"num_words":17,"start":1984.245,"end":1993.0801},{"sentences":[{"text":"It's a I see the m u x.","start":1998.74,"end":2001.0801,"sentiment":"neutral","sentiment_score":0.020721273496747017},{"text":"Yeah.","start":2005.455,"end":2005.955,"sentiment":"neutral","sentiment_score":0.1436021327972412},{"text":"'22 model.","start":2008.255,"end":2009.2949,"sentiment":"neutral","sentiment_score":0.06034981831908226},{"text":"Yeah.","start":2009.2949,"end":2009.7949,"sentiment":"neutral","sentiment_score":0.1025453507900238},{"text":"It's just yeah.","start":2010.4149,"end":2011.455,"sentiment":"neutral","sentiment_score":0.12044256428877513}],"sentiment":"neutral","sentiment_score":0.05959633340438207,"num_words":15,"start":1998.74,"end":2011.455},{"sentences":[{"text":"We should've needed a car at the time and probably went a bit bit more than I wanted to, but it was a good car.","start":2011.455,"end":2021.29,"sentiment":"neutral","sentiment_score":0.17458101302385332},{"text":"So yeah.","start":2021.29,"end":2023.77,"sentiment":"neutral","sentiment_score":0.18137037009000778},{"text":"It's yeah.","start":2023.77,"end":2024.97,"sentiment":"neutral","sentiment_score":0.2753729522228241},{"text":"Just give us something a bit more reliable and all that.","start":2024.97,"end":2030.155,"sentiment":"neutral","sentiment_score":0.22056975012475794},{"text":"So I just said it is at the time and and just working on paying that off as quick as possible.","start":2030.6951,"end":2037.1151,"sentiment":"neutral","sentiment_score":0.20208161004952022}],"sentiment":"neutral","sentiment_score":0.19586873823990586,"num_words":61,"start":2011.455,"end":2037.1151},{"sentences":[{"text":"Yep.","start":2072.33,"end":2072.83,"sentiment":"neutral","sentiment_score":0.15404847264289856},{"text":"Yeah.","start":2140.145,"end":2140.465,"sentiment":"neutral","sentiment_score":0.18641898036003113},{"text":"That's yeah.","start":2140.465,"end":2141.5251,"sentiment":"neutral","sentiment_score":0.2683800160884857},{"text":"It would be I think the way it goes.","start":2142.5452,"end":2145.185,"sentiment":"positive","sentiment_score":0.434458914730284},{"text":"Because I think overall, it would be better to reduce that debt as quick as possible.","start":2145.185,"end":2150.485,"sentiment":"positive","sentiment_score":0.3673222344368696}],"sentiment":"positive","sentiment_score":0.3677418437497369,"num_words":29,"start":2072.33,"end":2150.485},{"sentences":[{"text":"But is it is it worth it in, like, a $100 cents, I guess?","start":2153.1199,"end":2157.38,"sentiment":"neutral","sentiment_score":0.2316692045756749},{"text":"I guess it it should be.","start":2157.68,"end":2159.7798,"sentiment":"neutral","sentiment_score":0.27069977422555286},{"text":"Yes.","start":2161.1199,"end":2161.6199,"sentiment":"neutral","sentiment_score":0.3064509332180023},{"text":"Yes.","start":2205.7751,"end":2206.17,"sentiment":"neutral","sentiment_score":0.05002627894282341},{"text":"Yes.","start":2212.65,"end":2213.15,"sentiment":"neutral","sentiment_score":0.13618580996990204}],"sentiment":"neutral","sentiment_score":0.23305350137145622,"num_words":23,"start":2153.1199,"end":2213.15},{"sentences":[{"text":"Yes.","start":2230.725,"end":2231.225,"sentiment":"neutral","sentiment_score":0.0581805482506752},{"text":"Yeah.","start":2276.09,"end":2276.49,"sentiment":"neutral","sentiment_score":0.04286416620016098},{"text":"Yeah.","start":2276.49,"end":2276.99,"sentiment":"neutral","sentiment_score":0.05761868134140968},{"text":"Alright.","start":2283.895,"end":2284.395,"sentiment":"positive","sentiment_score":0.4132246971130371},{"text":"Sounds good.","start":2287.175,"end":2287.915,"sentiment":"positive","sentiment_score":0.6653012931346893}],"sentiment":"neutral","sentiment_score":0.3170817798624436,"num_words":6,"start":2230.725,"end":2287.915},{"sentences":[{"text":"Yeah.","start":2302.2,"end":2302.7,"sentiment":"neutral","sentiment_score":0.11856714636087418},{"text":"Okay.","start":2303.16,"end":2303.66,"sentiment":"positive","sentiment_score":0.3517102003097534},{"text":"No.","start":2314.095,"end":2314.4148,"sentiment":"neutral","sentiment_score":-0.027455992996692657},{"text":"That's it.","start":2314.4148,"end":2315.135,"sentiment":"neutral","sentiment_score":-0.015076873358339071},{"text":"That's it.","start":2315.135,"end":2315.82,"sentiment":"neutral","sentiment_score":0.02900621062144637}],"sentiment":"neutral","sentiment_score":0.06724000402859279,"num_words":7,"start":2302.2,"end":2315.82},{"sentences":[{"text":"No.","start":2329.1,"end":2329.34,"sentiment":"neutral","sentiment_score":-0.08298692107200623},{"text":"Everything's alright.","start":2329.34,"end":2330.3801,"sentiment":"neutral","sentiment_score":0.010087626054883003},{"text":"It's yeah, everything's fine.","start":2330.3801,"end":2333.355,"sentiment":"neutral","sentiment_score":0.23167535290122032},{"text":"It's just really just a a nice balance to not well, just not worth too hard, but just enough to to to save a bit and and, yeah, enjoy life a bit.","start":2333.575,"end":2347.32,"sentiment":"neutral","sentiment_score":0.16979448043275625},{"text":"Yeah.","start":2354.26,"end":2354.58,"sentiment":"neutral","sentiment_score":0.2444758713245392}],"sentiment":"neutral","sentiment_score":0.1635447246953845,"num_words":40,"start":2329.1,"end":2354.58},{"sentences":[{"text":"Well, that's, yeah, that's a big plan because that's, yeah, that's what I wanna do.","start":2354.58,"end":2360.555,"sentiment":"neutral","sentiment_score":0.31860846976439156},{"text":"So Well, not apart from if we're you know, as far as going, but but but buying a house maybe, but that's why I gotta decide whether whether it's not gonna happen and and plan to not have one and just rent or whatever, but or a unit or something like that.","start":2360.555,"end":2399.425,"sentiment":"neutral","sentiment_score":0.0041739525667463355},{"text":"But, yeah, that's that's another goal that's just to set something up for somewhere to live, really.","start":2399.425,"end":2406.76,"sentiment":"neutral","sentiment_score":0.0952213830588495},{"text":"But yeah.","start":2407.22,"end":2409.94,"sentiment":"neutral","sentiment_score":0.02850599866360426},{"text":"It's yeah.","start":2409.94,"end":2411.54,"sentiment":"neutral","sentiment_score":0.03213867358863354}],"sentiment":"neutral","sentiment_score":0.0765480163232,"num_words":88,"start":2354.58,"end":2411.54},{"sentences":[{"text":"Just wondering which way it'll go and whether it's worth even looking or yeah, that's all I was thinking.","start":2411.54,"end":2423.575,"sentiment":"neutral","sentiment_score":0.027486615569183703},{"text":"No.","start":2484.185,"end":2484.665,"sentiment":"neutral","sentiment_score":-0.08463569730520248},{"text":"Not always wanted to, but just never got there.","start":2484.665,"end":2487.39,"sentiment":"neutral","sentiment_score":-0.10981341534190708},{"text":"I never understood it enough to to know what to do.","start":2487.39,"end":2490.93,"sentiment":"neutral","sentiment_score":-0.06751157614317807},{"text":"So always always wanted to get into it, but never did.","start":2491.95,"end":2498.13,"sentiment":"neutral","sentiment_score":-0.09602604213763367}],"sentiment":"neutral","sentiment_score":-0.046071069424643236,"num_words":51,"start":2411.54,"end":2498.13},{"sentences":[{"text":"Oh, yeah.","start":2527.925,"end":2528.485,"sentiment":"neutral","sentiment_score":-0.059765396639704704},{"text":"It's just that crystal ball thing.","start":2528.485,"end":2530.985,"sentiment":"neutral","sentiment_score":-0.11132289469242096},{"text":"I I'm only because I need to get as much as I can.","start":2531.605,"end":2539.285,"sentiment":"neutral","sentiment_score":-0.1490721536370424},{"text":"I I would like to sort of high risk, but yeah.","start":2539.285,"end":2544.47,"sentiment":"neutral","sentiment_score":-0.11237579380924051},{"text":"I'm a little bit worried, so maybe medium.","start":2544.47,"end":2547.93,"sentiment":"neutral","sentiment_score":-0.10993659775704145}],"sentiment":"neutral","sentiment_score":-0.12102581681683659,"num_words":40,"start":2527.925,"end":2547.93},{"sentences":[{"text":"Well, it is what it is.","start":2570.1848,"end":2571.7249,"sentiment":"neutral","sentiment_score":-0.17409996936718622},{"text":"I don't know.","start":2572.34,"end":2573.06,"sentiment":"neutral","sentiment_score":-0.21314925452073416},{"text":"I'd I'd I would hope it's not.","start":2573.06,"end":2575.56,"sentiment":"negative","sentiment_score":-0.34633291193417143},{"text":"That sort of wouldn't happen.","start":2576.1,"end":2577.56,"sentiment":"neutral","sentiment_score":-0.3048174977302551},{"text":"But, yeah, I I get yeah.","start":2578.74,"end":2583.86,"sentiment":"neutral","sentiment_score":-0.1070478285352389}],"sentiment":"neutral","sentiment_score":-0.23239823789508254,"num_words":27,"start":2570.1848,"end":2583.86},{"sentences":[{"text":"I don't know.","start":2583.86,"end":2584.42,"sentiment":"neutral","sentiment_score":-0.16057578225930533},{"text":"I don't know enough, I guess.","start":2584.42,"end":2585.86,"sentiment":"neutral","sentiment_score":-0.1756298542022705},{"text":"But, you know, it is what it is.","start":2585.86,"end":2589.285,"sentiment":"neutral","sentiment_score":-0.1020027156919241},{"text":"You know?","start":2589.285,"end":2589.945,"sentiment":"neutral","sentiment_score":-0.033050051890313625},{"text":"Gotta get together to fly.","start":2590.565,"end":2592.5051,"sentiment":"neutral","sentiment_score":0.04070937484502792}],"sentiment":"neutral","sentiment_score":-0.09225339279510081,"num_words":24,"start":2583.86,"end":2592.5051},{"sentences":[{"text":"Probably just calling you, I guess.","start":2606.93,"end":2608.8699,"sentiment":"neutral","sentiment_score":-0.053264825915296875},{"text":"Yeah.","start":2610.45,"end":2610.915,"sentiment":"neutral","sentiment_score":0.09051187336444856},{"text":"Yeah.","start":2624.195,"end":2624.695,"sentiment":"neutral","sentiment_score":0.16499243676662445},{"text":"Well, yeah.","start":2650.695,"end":2651.675,"sentiment":"neutral","sentiment_score":-0.017188419587910175},{"text":"I would.","start":2652.055,"end":2652.715,"sentiment":"neutral","sentiment_score":-0.010085863061249256}],"sentiment":"neutral","sentiment_score":-0.009886100888252258,"num_words":12,"start":2606.93,"end":2652.715},{"sentences":[{"text":"But, you know, to get it.","start":2654.7998,"end":2656.3398,"sentiment":"neutral","sentiment_score":-0.09538382291793823},{"text":"But, yeah, he's gonna owe me money, really.","start":2656.7998,"end":2659.8599,"sentiment":"neutral","sentiment_score":-0.2243525329977274},{"text":"We have a year ago, probably wouldn't be able to get it.","start":2660.7998,"end":2663.3599,"sentiment":"neutral","sentiment_score":-0.19142300635576248},{"text":"So but you never know what comes along, that's all.","start":2663.3599,"end":2670.095,"sentiment":"neutral","sentiment_score":-0.01312626264989376},{"text":"You know?","start":2670.095,"end":2670.4949,"sentiment":"neutral","sentiment_score":0.0007736189290881157}],"sentiment":"neutral","sentiment_score":-0.12615564911577262,"num_words":38,"start":2654.7998,"end":2670.4949},{"sentences":[{"text":"Okay.","start":2670.4949,"end":2670.9949,"sentiment":"neutral","sentiment_score":0.05007849633693695},{"text":"Yeah.","start":2671.775,"end":2672.275,"sentiment":"neutral","sentiment_score":0.06748878955841064},{"text":"Yeah.","start":2672.415,"end":2672.915,"sentiment":"neutral","sentiment_score":0.10203026980161668},{"text":"Yeah.","start":2803.395,"end":2803.715,"sentiment":"neutral","sentiment_score":-0.0926116481423378},{"text":"I wish I knew.","start":2803.715,"end":2804.695,"sentiment":"neutral","sentiment_score":-0.20897883921861649}],"sentiment":"neutral","sentiment_score":-0.08861618116497993,"num_words":8,"start":2670.4949,"end":2804.695},{"sentences":[{"text":"I don't know.","start":2805.315,"end":2806.135,"sentiment":"neutral","sentiment_score":-0.23356830577055612},{"text":"Yeah.","start":2811.315,"end":2811.7952,"sentiment":"neutral","sentiment_score":-0.12187746167182922},{"text":"I don't I don't know really.","start":2811.7952,"end":2813.155,"sentiment":"neutral","sentiment_score":-0.20843752721945444},{"text":"I guess I guess so.","start":2813.155,"end":2814.45,"sentiment":"neutral","sentiment_score":-0.10393023639917373},{"text":"Yeah.","start":2839.105,"end":2839.5852,"sentiment":"neutral","sentiment_score":0.029497988522052765}],"sentiment":"neutral","sentiment_score":-0.16021004598587751,"num_words":16,"start":2805.315,"end":2839.5852},{"sentences":[{"text":"Yeah.","start":2839.5852,"end":2840.0652,"sentiment":"neutral","sentiment_score":0.044121406972408295},{"text":"I'll I'll yes.","start":2840.0652,"end":2841.5251,"sentiment":"neutral","sentiment_score":0.09297201782464981},{"text":"Yeah.","start":2854.08,"end":2854.335,"sentiment":"neutral","sentiment_score":0.05499617010354996},{"text":"Yeah.","start":2859.375,"end":2859.875,"sentiment":"neutral","sentiment_score":0.07691697776317596},{"text":"Yeah.","start":2860.255,"end":2860.755,"sentiment":"neutral","sentiment_score":0.1256287395954132}],"sentiment":"neutral","sentiment_score":0.08293990684407097,"num_words":7,"start":2839.5852,"end":2860.755},{"sentences":[{"text":"Yeah.","start":2908.3098,"end":2908.71,"sentiment":"neutral","sentiment_score":0.10082307457923888},{"text":"Yep.","start":2908.71,"end":2909.21,"sentiment":"neutral","sentiment_score":0.1123787984251976},{"text":"Yeah.","start":2975.535,"end":2976.035,"sentiment":"neutral","sentiment_score":-0.09411168098449708},{"text":"I I don't know.","start":2976.4148,"end":2977.4548,"sentiment":"neutral","sentiment_score":-0.22063308581709862},{"text":"I hate the insurance part.","start":2977.4548,"end":2979.055,"sentiment":"negative","sentiment_score":-0.48232471346855166}],"sentiment":"neutral","sentiment_score":-0.2645888098826011,"num_words":12,"start":2908.3098,"end":2979.055},{"sentences":[{"text":"It's it's something you need you need you need to do something about.","start":2979.055,"end":2983.555,"sentiment":"negative","sentiment_score":-0.4171374302643996},{"text":"Yep.","start":3039.0852,"end":3039.5852,"sentiment":"neutral","sentiment_score":0.1827484965324402},{"text":"Yeah.","start":3047.2002,"end":3047.6802,"sentiment":"neutral","sentiment_score":0.1052766814827919},{"text":"Yep.","start":3047.6802,"end":3048.1802,"sentiment":"neutral","sentiment_score":0.1003580093383789},{"text":"At this stage, I guess I'm happy.","start":3064.245,"end":3066.6401,"sentiment":"positive","sentiment_score":0.36256066390446257}],"sentiment":"neutral","sentiment_score":-0.10854255472836287,"num_words":23,"start":2979.055,"end":3066.6401},{"sentences":[{"text":"I take that to the chance, I guess.","start":3067.02,"end":3069.1802,"sentiment":"neutral","sentiment_score":0.31267764046788216},{"text":"And, yes, at this stage, that'll do.","start":3069.1802,"end":3073.2002,"sentiment":"neutral","sentiment_score":0.2115384191274643},{"text":"I guess at this stage, I'm gonna need yeah, probably need something one day.","start":3103.3901,"end":3109.185,"sentiment":"neutral","sentiment_score":-0.10375554912856647},{"text":"Yeah.","start":3111.085,"end":3111.585,"sentiment":"neutral","sentiment_score":0.02972429059445858},{"text":"Just yeah.","start":3111.645,"end":3112.365,"sentiment":"neutral","sentiment_score":0.030255695804953575}],"sentiment":"neutral","sentiment_score":0.08187025162624195,"num_words":32,"start":3067.02,"end":3112.365},{"sentences":[{"text":"Anyway, that'll at this stage, it should be alright.","start":3112.365,"end":3114.705,"sentiment":"neutral","sentiment_score":0.16529720938867992},{"text":"Yep.","start":3122.59,"end":3123.09,"sentiment":"neutral","sentiment_score":0.05148497223854065},{"text":"Yep.","start":3126.67,"end":3127.17,"sentiment":"neutral","sentiment_score":0.29636868834495544},{"text":"K.","start":3133.23,"end":3133.665,"sentiment":"neutral","sentiment_score":0.21460777521133423},{"text":"Yeah.","start":3158.31,"end":3158.81,"sentiment":"neutral","sentiment_score":-0.01095974538475275}],"sentiment":"neutral","sentiment_score":0.15685973653139976,"num_words":13,"start":3112.365,"end":3158.81},{"sentences":[{"text":"I'll put it with yeah.","start":3160.47,"end":3161.745,"sentiment":"neutral","sentiment_score":0.012840944901108741},{"text":"Yep.","start":3195.885,"end":3196.2048,"sentiment":"neutral","sentiment_score":0.3229258358478546},{"text":"That sounds good.","start":3196.2048,"end":3197.185,"sentiment":"positive","sentiment_score":0.6071817874908447},{"text":"No.","start":3210.6902,"end":3211.01,"sentiment":"neutral","sentiment_score":-0.17898818850517273},{"text":"I think that's yeah.","start":3211.01,"end":3212.37,"sentiment":"neutral","sentiment_score":-0.09743049927055836}],"sentiment":"neutral","sentiment_score":0.11714040980275188,"num_words":14,"start":3160.47,"end":3212.37},{"sentences":[{"text":"That's about it.","start":3212.37,"end":3213.1902,"sentiment":"neutral","sentiment_score":0.1506377955277761},{"text":"Okay.","start":3288.835,"end":3289.335,"sentiment":"neutral","sentiment_score":0.2675101161003113},{"text":"No.","start":3301.665,"end":3301.905,"sentiment":"neutral","sentiment_score":-0.14787733554840088},{"text":"No.","start":3301.905,"end":3302.1,"sentiment":"neutral","sentiment_score":-0.14671409130096436},{"text":"I think that's it.","start":3302.1,"end":3308.325,"sentiment":"neutral","sentiment_score":-0.0869426280260086}],"sentiment":"neutral","sentiment_score":0.007706156373023987,"num_words":10,"start":3212.37,"end":3308.325},{"sentences":[{"text":"Alright.","start":3320.66,"end":3321.16,"sentiment":"positive","sentiment_score":0.44295233488082886},{"text":"Thank you very much.","start":3321.3,"end":3322.36,"sentiment":"positive","sentiment_score":0.8124646693468094},{"text":"Yeah.","start":3329.1401,"end":3329.3801,"sentiment":"positive","sentiment_score":0.42427265644073486},{"text":"You too.","start":3329.3801,"end":3329.86,"sentiment":"positive","sentiment_score":0.4006294310092926},{"text":"Thanks.","start":3329.86,"end":3330.1648,"sentiment":"positive","sentiment_score":0.5867143869400024}],"sentiment":"positive","sentiment_score":0.611672990851932,"num_words":9,"start":3320.66,"end":3330.1648},{"sentences":[{"text":"Bye.","start":3333.9248,"end":3334.4248,"sentiment":"neutral","sentiment_score":0.20599053800106049}],"sentiment":"neutral","sentiment_score":0.20599053800106049,"num_words":1,"start":3333.9248,"end":3334.4248}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Darren. This is Dana from Okey Financial. How are you this morning?\n\nChannel 1: Yeah.\n\nChannel 0: It's good. I had to put in to go through an annual review today. Is now still a good time there for you? Yeah. Oh, good.\n\nI'm sorry. I had a note here to say you were not long waking up. Now is it okay? Do you\n\nChannel 1: Yeah.\n\nChannel 0: need a few minutes to so sorry.\n\nChannel 1: No. No. It's all good. It's all good.\n\nChannel 0: Oh, not a worry. Now before we jump into the call there, Darren, just to let you know, we do record these calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Lovely. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm for me your full name, date of birth, and address that I should have on file.\n\nChannel 1: Yeah. Karen Casar. 121065.\n\nChannel 0: Beautiful.\n\nChannel 1: Number 2, Ellen Street. Sorry. Yeah.\n\nChannel 0: Lovely. Thank you so much for that. Are you on night shift at the moment, are you? Yeah. How's it all going?\n\nHow's your week been so far?\n\nChannel 1: Oh, yeah. It's good. Yep.\n\nChannel 0: Yeah? Nice. You get the weekend off. Do you just work Monday to Friday?\n\nChannel 1: Yeah. Normally, your weekend is as well, like a Saturday.\n\nChannel 0: Oh, well, hopefully, you get to enjoy some days off soon. Did you get some downtime over Christmas to have a bit of a break?\n\nChannel 1: Christmas party.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. That was very good.\n\nChannel 0: Yeah. Oh, well, hopefully, you get some time off fairly soon. Darren, as part of your annual review there, is there anything particular you wanted to touch base on or any questions that you had that you wanted to maybe ask me while you've got us here as well?\n\nChannel 1: No. Just just the future of what I can do and what I should be doing. Like,\n\nChannel 0: Yeah. Of course.\n\nChannel 1: see my my age and probably not gonna be able to get a house, but, yeah, things like that where because I haven't got a house, and\n\nChannel 0: Right.\n\nChannel 1: that's what I didn't want. But,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah, I'm just wondering, you know, if I can do something like that. But, yeah, that'd be the only thing. And another thing would be is there can you buy a house within your super?\n\nChannel 0: Mhmm. Yeah. It's a really good question. So with the way your super is structured at the moment, you can't use the funds to purchase a home. The only way you could do that with utilizing real property is by having a self managed super fund.\n\nInside\n\nChannel 1: Yep.\n\nChannel 0: the self managed super fund structure, that would mean that you're essentially a trustee. You're taking on more responsibility of looking after the fund and having a lot more say in what happens, but you, unfortunately, can't purchase a house that you can live in. Under the rules of having a staff on your super fund,\n\nChannel 1: Okay.\n\nChannel 0: if you were to go down that route, the investments within the house within that fund would have to be what's called an arm blank transaction, which means that you're unable to use it for your purposes. You still have to even though you're the trustee and the member, you still have to have that invested and have it, you know, rented out\n\nChannel 1: Yes.\n\nChannel 0: to someone else, not within, you know, your immediate family, not not a member of the fund because they don't let you live in a company for personal use. It has to be an investment for\n\nChannel 1: Yeah.\n\nChannel 0: the future of the member of the super fund, essentially. Does that make sense?\n\nChannel 1: Yeah. Yeah. Yeah. I thought there was some,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, rules. Yeah. Alright.\n\nChannel 0: Yeah. That's okay. With the balance you do have at the moment, it's not sort of recommended at this stage to be able to open a self managed super fund because you would need to use generally, when you are looking at purchasing a real property within a trust structure like that, you do have to have about a 20 to 30 deposit there. So we don't\n\nChannel 1: Yes.\n\nChannel 0: normally suggest anyone open up a self funded super fund unless their balance gets up to around that $300,000 mark because most of your funds do go to being locked into that property. The other\n\nChannel 1: Yes.\n\nChannel 0: aspect is generally a loan on those sorts of things are for about thirty years or so twenty to thirty years. So, you can't sort of, unlike having a property in your own name, make extra repayments to the loan. Any extra repayments that you make are considered contributions towards super, so you do have to be very careful in that aspect. So having a loan inside super does mean that you would probably have to work for a little bit longer there. But is that\n\nChannel 1: Yeah.\n\nChannel 0: something you're wanting to do down the track? Are you hoping to use your super to purchase property? What's your goal with your super when you retire?\n\nChannel 1: Well, yeah. I don't know. Probably\n\nChannel 0: Yeah.\n\nChannel 1: probably not because I'm I I do know I'm not gonna have enough. That's that's the thing, but I just well, I wouldn't like a house, but\n\nChannel 0: Yeah.\n\nChannel 1: to to live\n\nChannel 0: Yeah.\n\nChannel 1: in or or something. But yeah. I know I'm not gonna have enough. So\n\nChannel 0: No.\n\nChannel 1: anyway. Yeah. That's that's where I'm at.\n\nChannel 0: Yeah. So the the prospect of renting through retirement is a realistic sort of prospect for yourself. You think you'll need to consider the rental, like, the cost of renting long term?\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yep. That's okay. That's understandable. I'm having a look at things at the moment. So 65, you're you had a birthday in October.\n\nSo you're 61 this year. You're 60 now. Is that right?\n\nChannel 1: That's right. Yeah.\n\nChannel 0: Yeah. So there are some really cool strategies that we could maybe look to put in place for you to be able to help you to boost your balance there. Just having a look, and I'll give you I'm actually gonna also send you through some annual review documents. Do you have access to your emails at the moment, or would you prefer me just to go through things and you can have a look at the documents later? What would you like me to do, Darren?\n\nChannel 1: Yeah. I can have a look later.\n\nChannel 0: Yeah. That's okay. I'm I've got your email address here. It is your first so darrenvtessa@gmail.com. Is that right?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep. Perfect. I have this sent through some annual review documents to you, so feel free to have a bit of a look at those later. I'll go through everything with you and sort of give you a bit of an update on where your super is up to. Let's touch base a bit more about your goals.\n\nI did have a bit of a look at things earlier, and then it looks like there's some advice that we can definitely look to help provide that might put you in a better position. So if you're comfortable, we'll go through this today, and then I'll go back and do some really in-depth research for you. And I can update your strategies to see where we can help and what we can do moving forward to, you know, build on that retirement for you. Would you like that?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. Beautiful. Now your balance at the moment inside, Super, when I had a look as of yesterday's date, you had about a 180,772 and 13¢. So your balance has increased a little bit over the last twelve months, which is really good.\n\nChannel 1: Yeah.\n\nChannel 0: One of the things, when I have a look at how the performance has gone over the last twelve months there so sorry. After fees, you're up by 8.43%, which is not bad in any way, shape, or form. It's actually quite a good return given the sort of balance that you do have. And when we I know some people do prefer a dollar figure as opposed to a percentage. So the return is a dollar figure after fees.\n\nIt means that your super is growing by $13,968.01. That's the growth plus the income in the in the fund for the last twelve months, which is quite good. One of the things I would like to sort of look at is having a look at the underlying performance. So that is essentially what your whole portfolio has done, which is a positive sign you're up, and it's really good for the year. I'm just also having a look at the portfolio you're in as well.\n\nSo sorry. My computer is a little bit slow this morning. I do apologize. Sorry. One moment.\n\nMy computer is just spinning. I love technology when it wants to work.\n\nChannel 1: Yes.\n\nChannel 0: So having a look at things at the moment, it looks like we have sort of reduced your risk in the last couple of years. It looks like you may be in more of a balanced growth sort of portfolio at the moment. When I have a look at all the underlying investments that you have in your portfolio there, your everything is doing really well. Everything has shown a positive return, but just a couple of options there. Your cybersecurity is down just a little bit.\n\nThat's just due to it being a bit more volatile, but your cybersecurity was added into the portfolio as more of a satellite investment. So it's one of the ones there that we do expect to have a bit more in the way of fluctuations because it is more of a niche. It's more of a it's a theme sort of investment option. We're looking at global cybersecurity, and it's you have a smaller amount of that in your portfolio. So we're aiming to kinda get greater potential benefits.\n\nSo I'm not in any way, shape, or form worried about the cybersecurity side of things at the moment. It just had a little bit of a dip. The investment that I am a little bit concerned about is your Bennelong Australian Equities. So you do have a fair chunk of your portfolio in that Bennelong Australian Equities component, and it's not your only exposure into Australian Equities within this portfolio. So all your other Australian exposure has done really, really well, but Bennelong has seen a bit of a dip.\n\nAnd in your portfolio, it's down by about 15% there. So it is quite significantly down. I feel like it has maybe you made a little bit of an impact to your overall return for this year, and that is down because of what's happened with one of the underlying investors. I'm not sure if you follow the news a great deal with regard to the markets. Do you sort of have a look at things very often?\n\nChannel 1: A little bit, but, you know, I'd I'd like to do a lot more. I just\n\nChannel 0: Yeah.\n\nChannel 1: probably\n\nChannel 0: Yep.\n\nChannel 1: don't get enough to do yeah. I want to learn a bit more about it, but yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Not enough.\n\nChannel 0: No. That's okay. That's not a problem at all. And that's why I'm here for as well. Part of what I love is the educational value towards what we do.\n\nSo, essentially, to give you a bit of an overview, Bennelong had one of their underlying investments, Corporate Traveler. And late last year, Corporate Traveler had a bit of an issue. They were being a bit dishonest to the market. They weren't accounting properly. So that came out when they had to report.\n\nBennelong had to go back and reevaluate that portion of their investments, and it meant that everyone has now gone back and reevaluated Bennelong as well. So our investment committee early this year have met to decide they no longer want to hold Bennelong in the portfolios. We do feel it is really important to move everybody out of that one. So I would like to, as part of the advice, update the strategy for you, have a look at removing that and putting something else in its place. We can look at more of a Bennelong was placed in your portfolio as more of an actively managed strategy.\n\nHowever, Bennelong don't do a great deal of active management under the back. They haven't actually replaced many of their investments over the last couple of years since COVID, basically. They kinda hold strong on the investments as they believe in the in the fund there, and it has sort of caused them to underperform a little bit, which is a bit concerning. You're obviously working hard for your retirement, so we wanna make sure the portfolios are working hard for you too. So we can replace it with something that's a little bit more passively managed because you are older and something a bit more low cost, hopefully, reduce some of the fees within the fund for you and look at something that's got a greater past performance, which should hopefully benefit you a bit more in the future.\n\nDoes that sound okay with you?\n\nChannel 1: Yeah. Yeah. Yeah. It\n\nChannel 0: Yeah.\n\nChannel 1: does. That's that's\n\nChannel 0: Yep.\n\nChannel 1: yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: what I need\n\nChannel 0: Perfect.\n\nChannel 1: on. Because I I feel like\n\nChannel 0: Yeah.\n\nChannel 1: I keep wondering whether I you should be doing something different or better or more\n\nChannel 0: Yep.\n\nChannel 1: to not knowing how much I'll need, of course, but obviously a lot more than I've\n\nChannel 0: Of\n\nChannel 1: got.\n\nChannel 0: course.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely. Definitely. And would you know what age you would like to maybe stop working? What age are you sort of hoping for the full retirement aspect?\n\nChannel 1: Now would be good,\n\nChannel 0: No.\n\nChannel 1: but\n\nChannel 0: Yep.\n\nChannel 1: that ain't gonna happen.\n\nChannel 0: No. Understandable.\n\nChannel 1: Yeah. Well, I don't yeah. As soon as possible, but, yeah, as much as I gotta do, I've gotta take down, I guess.\n\nChannel 0: Okay. No. That's understandable. Well,\n\nChannel 1: And because\n\nChannel 0: I mean, how do you you're right. So sorry.\n\nChannel 1: oh, it's alright. Because I I don't I don't do a lot of work and stuff like midweek stuff online,\n\nChannel 0: Mhmm.\n\nChannel 1: casual, and do the weekends and stuff. So I do miss out on a fair bit of super, I would say.\n\nChannel 0: Yes.\n\nChannel 1: So so, yeah, that's why I'm probably struggling a bit to get that account a bit more.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: This last three weeks, I've done been doing a bit extra because the the last three weeks, I have been doing a bit extra, but\n\nChannel 0: Okay.\n\nChannel 1: I'm just trying to find a a nice balance,\n\nChannel 0: Yeah. Of course.\n\nChannel 1: work\n\nChannel 0: Yeah.\n\nChannel 1: life balance sort of in there. It's\n\nChannel 0: Yep.\n\nChannel 1: it it in one way, it does affecting in other ways with my super and stuff. So it's a\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely. Well, one of the really good strategies that we do have access to now, and I'm more than happy to go back and have a good look to see if this is gonna help or provide some benefit for you, is what's called a transition retirement strategy. Have you heard of this before?\n\nChannel 1: Yeah. Yeah. I have it. I have it.\n\nChannel 0: Yeah. Perfect. So, essentially, that's where I would have a look at what you're earning, what your take home pay looks like. If you're wanting to sort of keep your take home pay at the same level, we can look at maybe maximizing contributions in the super as much as possible. It does mean that we are then moving some money into what's called a an account based transition retirement pension account.\n\nSo you would have your super account and the secondary pension account. Because you're increasing your contributions in the super as much as we possibly can to benefit you, it does sort of mean that your take home pay reduces. So if you're wanting to keep the same take home pay, we can then start to reduce some money out of super. So you put more in. You have the two accounts, and we replenish your income with some money from super.\n\nYou actually end up putting in more than you're taking out because the tax inside super is less than your marginal tax rate normally. But you get to pay have the same take home pay. The amount you're drawing out of super is completely tax free. So it helps to give you a benefit of reducing the amount of income tax you might pay on your income, but the main benefit is of putting more money into SOFA, into that tax effective environment so it's invested for you long term. Are you open to me doing a little bit of research around that and maybe coming up with a strategy that might help\n\nChannel 1: Yep.\n\nChannel 0: you?\n\nChannel 1: Yeah. Yeah. I'm sorry. I wanna\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Excellent. If you want, what I can also do is I know you are in Netwealth at the moment, and when you came on board, Netwealth was a great platform. I will look at Netwealth as well as other platforms out there. If there was something to be better that provided greater benefit, are you open to me altering or moving you to another platform for your super fund, or are you sorta happy to stay in Netwealth?\n\nWhat's your thoughts there? I'm sorry. I'll ask all the questions you've probably never thought about.\n\nChannel 1: You know, do you really\n\nChannel 0: Mhmm.\n\nChannel 1: I I was gonna be worried because I don't know well, I don't know. For me, it doesn't I don't know if it's secure enough or if there's a crash gonna happen, of course, you lose it all.\n\nChannel 0: Yep.\n\nChannel 1: I don't know fully know how it all\n\nChannel 0: Yep.\n\nChannel 1: works,\n\nChannel 0: Yep.\n\nChannel 1: but\n\nChannel 0: Yep.\n\nChannel 1: I know I need every sort of thing I can get. So\n\nChannel 0: Yep. Absolutely. Well, if if you like, I'll go and do the research for you on Netwealth as well as the other super fund options out there to see what's gonna provide greater benefits, sort of look at\n\nChannel 1: yeah.\n\nChannel 0: the fees for you as well. I'll also look at the CGT consequences because one of the big things to consider is that you have been invested in this platform for a while in the super fund, and you've got these underlying investments there, we wanna make sure that we're not gonna, you know, cause too much of a tax consequence. Because your fund still has to do tax returns, and they pay capital gains tax and income tax on the investments within the fund every year. So I'll have a look at the super funds. I'll have a look at the investments.\n\nI'll look at the tax consequences for you, and I'll also look at that transfer time strategy to see if it's gonna provide benefit. And then I can come back and update the advice strategy for you and show you what we're gonna do to help you out. How does that sound?\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yeah?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. I'll do a nice in-depth bit of research there for you, Darren. Now it does take me a little bit to put the research together. A lot of my clients are in that retirement sort of space, so I do do a lot of in-depth research there. But once I have that all ready to go, I'll come back, book you back in, and we'll go through that document together so you can see what we're recommending, why the advantages, the disadvantages, and the risks involved before you decide to take on the advice.\n\nDoes that sound alright with you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Lovely. I've got some work to do. I love it.\n\nThat's fantastic. Now I know you don't not really sure exactly what age you'd like to realistically retire, but just so I have a bit of a goal to work on, do you think you'd be sort of working towards maybe 65, 66? Do you think you'd probably be able to start working or hopefully be able to start working around age pension age? What's your sort of thoughts?\n\nChannel 1: Yeah. He's just well, it depends on on health and and\n\nChannel 0: Health.\n\nChannel 1: and that's\n\nChannel 0: Yeah.\n\nChannel 1: why I'm working working less.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. 65 would be good, but I\n\nChannel 0: Yep.\n\nChannel 1: yeah. I'm probably not bad enough. So, you know, I have to go a bit more.\n\nChannel 0: Yep. That's okay. Well, at the moment, if you're eligible too, you can also apply for the age pension at age 67. You can actually apply thirteen weeks out from that. Would you like me to work on I can look at what we expect around age 65, but then I can also look at age 67 for you.\n\nAnd I can also look to maybe factor in because you're already 60. We're only sort of working well, even at ten year mark. I can have a look at maybe the eligibility for age pension there as well and see that with your super, what it might look like for you and how sort of longevity wise that might provide. Does that\n\nChannel 1: Yeah.\n\nChannel 0: sound okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep. Perfect. Lovely. Okay.\n\nI will add that into the list of things. That's perfect. I will look at that for you. Now the other thing to sorta consider is I know you're not really sure what kinda income you might need, but do you know roughly what sort of income are you on at the moment? Do you think you wanna keep a very similar income in retirement, or do you feel like there's a set amount that you would wanna cover for expenses?\n\nI know it's quite hard to sort of think about it. But did you want me to work on your current income amount for, you know, living expenses and rent in retirement, or what's your thoughts with the income?\n\nChannel 1: Well, yeah, they have to well, I I would say less just to keep me going a bit more, but\n\nChannel 0: Yep.\n\nChannel 1: it's on there. It has to be less because I won't be doing as much in in\n\nChannel 0: Yeah. Yep. That's okay. How much rent are you paying at the moment on a weekly basis?\n\nChannel 1: that. Well, that's at the moment, we haven't got a cheap setup, but I\n\nChannel 0: Yep.\n\nChannel 1: think it's gonna change and it'll probably change.\n\nChannel 0: Yep.\n\nChannel 1: At the moment, we're only paying $4.50. But,\n\nChannel 0: Okay.\n\nChannel 1: yeah, I I would say it'll change because we're gonna have to move sort of soon, but don't know yet. But\n\nChannel 0: Yeah.\n\nChannel 1: at the moment, it's pretty good.\n\nChannel 0: Okay. Perfect. Well, I can just sort of use this for the moment. What's your gross or your take home pay at the moment? What are you sort of earning on a or on a weekly basis?\n\nDo you know what your income looks like?\n\nChannel 1: Because I only do this three days,\n\nChannel 0: Yep.\n\nChannel 1: and and I'll do more at you know, when when needed and when I can and so forth. But normally, it's three days. So it's depending on the hours, so anywhere between, say, 1,500 to\n\nChannel 0: Yep.\n\nChannel 1: about 2,200.\n\nChannel 0: Is that your take home pay? Yep.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: So 1,500 to 2,200. On the average week, would you say your income's more towards that 1,500, or do you think you're up around that 2,200 more regularly?\n\nChannel 1: No. It's probably $5.15 guiding sort of would be more\n\nChannel 0: Okay. Yep.\n\nChannel 1: accurate,\n\nChannel 0: Yep. Did\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: saying.\n\nChannel 0: did you want me to make make it so your take home pay remains around that $1,500 mark or $1,800? What would you sort of like your take home pay to be on a on a weekly basis?\n\nChannel 1: Yeah. I would say they're lower, 15\n\nChannel 0: Fifteen\n\nChannel 1: or less\n\nChannel 0: 100?\n\nChannel 1: 7. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So I'll keep your take home pay at that $1,500 mark. Now with your contribution, so what we'll essentially do with the research is we have a look at how much we can transfer into the pension side of things. We have to leave some money. Generally, it's about 10,000.\n\nWe sometimes also have to leave the tax liability there. So we play around with how much we can move into pension and how much we leave in the accumulation side to keep your super open. Because you're still working. You want those contributions to be going in and being invested. I'll look at your take home pay trying to keep that at 1,500 and then also look at what we can put in.\n\nSo what we put in will always be more than what we take out because we're putting more money in as taxed at a lower rate than our marginal tax rate, and we don't have to take as much out. So it's a little bit of a juggling ask, but we'll go back and do the research for you, try to keep that take home pay around that $1,500 mark for you, and look at what we can put into super to sort of provide that benefit for you. If it comes back that say that this strategy isn't gonna be as effective for you, it's not gonna give you the kind of growth that we're after. Is there as an alternative sort of strategy, are you comfortable putting extra money into super? Do you have much left at the end of the week, or is everything quite tight expenditure wise at the moment?\n\nChannel 1: No. It's not I wouldn't say try. I'm trying to save a bit as well.\n\nChannel 0: Yep.\n\nChannel 1: Plenty plenty a trip in that. But\n\nChannel 0: Oh, nice.\n\nChannel 1: yeah. Because I'd I'd like to go to\n\nChannel 0: Wow.\n\nChannel 1: Malta, and I hope I've been, and that's where my father was from.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So I do wanna go to where he grew up and stuff like that. That's\n\nChannel 0: Yeah.\n\nChannel 1: what I've always wanted to do, and I figured, well, I'm gonna do it before it's too late. So I think that\n\nChannel 0: Yeah. Perfect. That sounds\n\nChannel 1: that\n\nChannel 0: great.\n\nChannel 1: yeah. Just trying to save a tweak for that and\n\nChannel 0: Yep.\n\nChannel 1: things like that. So, yeah, it's it's not tight, but I'm really doing pretty well, but it's just, you know, one of those things.\n\nChannel 0: Yep. Yeah. Perfect. If if that TTR strategy was not really gonna provide the greater benefit and we just wanted to look at maybe some salary sacrifice, would you be comfortable with me putting, say, 50 or $100 in on a fortnightly basis? I know it does reduce your take home pay, But would that still allow you to be able to put savings away, or do you think you'd only wanna make those contributions if we could make that extra strategy work for you so you keep your take home pay the same?\n\nWhat's kind of more preferable for you?\n\nChannel 1: Yeah. I don't know. I know I've\n\nChannel 0: Not sure.\n\nChannel 1: probably screwed you putting in a bit extra.\n\nChannel 0: Yep.\n\nChannel 1: That's probably a good idea. I just\n\nChannel 0: Yep.\n\nChannel 1: don't know if yeah. I probably should.\n\nChannel 0: Do you want me to make it something minimal, like $50 a week or $50 a fortnight to start with? We can always then boost it up later down the track. And keeping in mind, this is only as an alternative, so I'll always go back and wanna look at that transition strategy first to see if we can really get the ball rolling for you and what we can do there. This is more just if that's not gonna provide a greater benefit as an alternative, something that we can look at to help you along with. I could start with something like $50 per fortnight there for you, and then we could always look at the benefit and kind of build on that down the track.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Yep. Yep. Perfect. I will have a look at that for you. How much are you sort of trying to save out of your income on a weekly or fortnightly basis at the moment?\n\nHow much are you putting away for your holiday?\n\nChannel 1: Yep. Oh, yeah. As much as possible.\n\nChannel 0: Yeah.\n\nChannel 1: Partners doing most of that sort of balancing, but\n\nChannel 0: Yeah.\n\nChannel 1: what did she say? That she's gonna put all her wages away, which is\n\nChannel 0: Yep.\n\nChannel 1: yeah. Because it's part of, you know, that's that's how we set up. She's gonna put all hers away so it's around\n\nChannel 0: Yep.\n\nChannel 1: for 800 a week.\n\nChannel 0: Okay.\n\nChannel 1: That's\n\nChannel 0: Perfect.\n\nChannel 1: I think that's the plan. So yeah.\n\nChannel 0: Yep. Perfect. Perfect. Thank you for that. I'm so sorry.\n\nLovely. And work wise, you mentioned you're down to about three days per week at the moment. Just sort of going through, I don't have down here what you do for work. What's your occupation?\n\nChannel 1: Truck driver.\n\nChannel 0: Oh, beautiful. Are you long distance? Or\n\nChannel 1: Well, a bit of both local. It's really local.\n\nChannel 0: yeah.\n\nChannel 1: It's it's\n\nChannel 0: Yep.\n\nChannel 1: not like all distance sleeping in a truck and that, but\n\nChannel 0: Oh, perfect.\n\nChannel 1: yeah. So it's local.\n\nChannel 0: Lovely.\n\nChannel 1: I'm actually up in Brisbane at the moment working.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: Yeah. Yeah. That port is up here because it's but It's worth having a little busy. Everything's\n\nChannel 0: Yep.\n\nChannel 1: quite a bit crazy. So I asked\n\nChannel 0: Yeah.\n\nChannel 1: this few of us Newcastle bikes to come up in. Okay?\n\nChannel 0: Perfect. Perfect. And you also mentioned that your your partner you've got your partner there. So I've got it down that you are in a de facto relationship. Is that still correct?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. And I'm so sorry. I'm probably gonna pronounce this wrong. Your partner's name, I'm gonna spell it because I'm probably gonna say it incorrectly.\n\nIt's s e n e m. Is that right?\n\nChannel 1: Yes. That's right. Yeah.\n\nChannel 0: Yep. Perfect. How would I pronounce the name correctly? I do apologize.\n\nChannel 1: That's alright. Send them.\n\nChannel 0: Sanam. Beautiful. That's a lovely name. I knew I would probably get that wrong. I do apologize.\n\nAnd I'm my name's Dana. So it's spelled d a n a, and everyone gets my name wrong as well. So\n\nChannel 1: Alright.\n\nChannel 0: it's understandable.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: You're well, and you mentioned she's working as well?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. Is she hoping to sort of retire around the same time as you, or is she planning to work longer? Is she younger than you or older?\n\nChannel 1: She's younger. She's\n\nChannel 0: Young?\n\nChannel 1: got 12\n\nChannel 0: Yep.\n\nChannel 1: years twelve years younger.\n\nChannel 0: Okay.\n\nChannel 1: She's,\n\nChannel 0: Perfect.\n\nChannel 1: well, she probably would like to retire at the same time, I would say, but,\n\nChannel 0: Yep.\n\nChannel 1: yeah, just depending on what's going on.\n\nChannel 0: Yeah.\n\nChannel 1: Professional.\n\nChannel 0: Perfect. Well, you can always sort of work things on more of a worst case scenario saying that she's you know, if she does retire at the same time as you, this might be the the likelihood of things. Do you know what her income is at the moment or what she's earning?\n\nChannel 1: Yeah. It's a Ram around $8,900.\n\nChannel 0: 900 per week?\n\nChannel 1: Yeah. Yeah. Got\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Perfect. Lovely. And do you have any sort of idea what her approximate super balance might be just for the the overall retirement side of things? If you don't, that's okay.\n\nChannel 1: No. No. I don't. I forget.\n\nChannel 0: No. No. That's okay. That's not a problem at all. Does she have super?\n\nDoes she have a little bit of super?\n\nChannel 1: And yeah. Yeah. Pretty sure she's got something. I'm just\n\nChannel 0: Yep.\n\nChannel 1: it's not it's not a lot either, I don't think. But\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: I'm\n\nChannel 0: Do you\n\nChannel 1: not\n\nChannel 0: think it's\n\nChannel 1: sure.\n\nChannel 0: more on the north side or south side of maybe a 100,000?\n\nChannel 1: Yeah. I I maybe I\n\nChannel 0: That's\n\nChannel 1: don't\n\nChannel 0: okay.\n\nChannel 1: know for sure. I'd say I'd say the South Side maybe.\n\nChannel 0: Yep. Yep. That's okay. Not a problem. So I'll just put down here approximate between, say, maybe 50 to a 100,000 just so we can sort\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: That's\n\nChannel 0: really get into the retirement side of things and sort of show you what we're hoping or expecting based on the projected outcome. And often\n\nChannel 1: it.\n\nChannel 0: because you are a couple, your partner's sort of circumstances can be a big part of that. And later on down the track, if you wanted me to, we could always have a chat to her as well, maybe incorporate and do some joint advice to sorta help you guys along. So but for the moment, we'll just work on this. Yeah. Absolutely.\n\nPerfect. And you guys, do you have any kids living at home? I don't I've got down here, there's no financial dependents living\n\nChannel 1: No. It's alright.\n\nChannel 0: at home. No?\n\nChannel 1: Oh, they're not.\n\nChannel 0: Perfect. Lovely. Excellent. And I've got so three days a week. I've got your income.\n\nEverything's perfect there. Next thing to sort of consider is how just having a look at your regular so your assets and how they may have changed from we when we spoke last year. So I have done here you've got a ute. We had an asset value there of about 10,000. If you had to sell your ute, what sort of value do you think you might be able to get for that?\n\nChannel 1: Well, that one, that's probably gone now. We've got another one.\n\nChannel 0: Okay. Yep.\n\nChannel 1: It's it's probably up around 20 right now or maybe\n\nChannel 0: Okay.\n\nChannel 1: 15.\n\nChannel 0: '15. Beautiful. What kind of year is it?\n\nChannel 1: This one is Colorado\n\nChannel 0: Okay. Perfect.\n\nChannel 1: '20\n\nChannel 0: Beautiful. '16.\n\nChannel 1: '20\n\nChannel 0: Excellent. Thank you for that.\n\nChannel 1: '16\n\nChannel 0: And I also had it noted here you had a boat with an asset value of\n\nChannel 1: World.\n\nChannel 0: about 30,000. Do you still have your boat there?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful. Do you get out very often in it?\n\nChannel 1: Not not as much as I should, but every chance I get.\n\nChannel 0: Absolutely. Do you still think the Evoque and Moda sort of all combined might be still around that $30,000 mark, or might you alter that asset value at all?\n\nChannel 1: Oh, I think it's still yeah. It should be the store in there. Yeah.\n\nChannel 0: The same? Yep. Perfect. Excellent. I also had down here another car that you guys own.\n\nI'm sorry. It doesn't tell me what kind of car it is, but the asset value is about 15,000. Thinking about any other vehicles that you might have, would that be correct, or would you alter that value a little bit?\n\nChannel 1: You know, that one's gone too, but the other\n\nChannel 0: Yep.\n\nChannel 1: one is a new one. It's probably around the 50, and and\n\nChannel 0: Yep.\n\nChannel 1: we owe we owe a little bit on it. So that was\n\nChannel 0: Okay.\n\nChannel 1: another question I I had.\n\nChannel 0: Yeah.\n\nChannel 1: Would I be able to get some money out to pay towards that debt?\n\nChannel 0: You could do if you wanted to access it, but we could utilize that transition retirement strategy this financial year to access a little bit of the money to cover the debt if you wanted to do it that way. And then we may be, in the next financial year, start it to maybe factor in the changes to contributions and look at that as a growth strategy. I can absolutely do that for you. Obviously, taking money out of super now without replenishing it back, it does sort of mean that you are gonna have less in super, but I can do the research around to sort of see if it's gonna provide greater growth if we start that around July. Would that be okay?\n\nWould you like me to look at that?\n\nChannel 1: Yeah. Yeah. It's just just to reduce that debt, I guess,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: How\n\nChannel 1: plan\n\nChannel 0: much\n\nChannel 1: is\n\nChannel 0: do\n\nChannel 1: to pay\n\nChannel 0: you\n\nChannel 1: it off.\n\nChannel 0: yep. How much do you have owing on that car at the moment?\n\nChannel 1: What is it? Jeez. I'm not sure now. It's about $40.45. I'll have to look at it.\n\nChannel 0: 45,000 roughly. Yep. That's okay. So and what kind of car is it?\n\nChannel 1: It's a I see the m u x.\n\nChannel 0: M u x. Beautiful. They are really popular at the moment. I've spoken\n\nChannel 1: Yeah.\n\nChannel 0: to lots of people who have recently purchased those.\n\nChannel 1: '22 model.\n\nChannel 0: So\n\nChannel 1: Yeah. It's\n\nChannel 0: yeah.\n\nChannel 1: just yeah. We should've needed a car at the time and probably went a bit bit more than I wanted to, but it was a good car. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: yeah. It's yeah. Just give us something a bit more reliable and all that. So I just said it is at the time and and just working on paying that off as quick as\n\nChannel 0: Yep.\n\nChannel 1: possible.\n\nChannel 0: Absolutely. Now under that transition retirement strategy that we sort of talked about there, if you were to sort of look at that strategy now to be able to take some funds out of super, essentially, we can access a maximum. There are maximums and minimums that we can access under this strategy on how much you can withdraw out. Essentially, we would be able to access up to 10 of the balance that we transfer into the account based pension side of things. So based on your current balance, we would have to leave generally a minimum of 10,000 behind in the accumulation side of things.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: that would, based on the current balance I have at the moment, give us an estimated transfer balance of about a 170,000 there. If we then look at that sorry. Here we go. So then look at that. So it's about a $170,772.13 there, which would, at the full 10%, if you wanted to do that for this financial year, would give you access to approximately, based on the balance at the moment, of about $17,077.\n\nSo just slightly. It's not quite enough to pay the car off wholly, but it would give you access to the some of those funds. It does reduce the balance now. But if you wanted to do it that way, I could look at the strategy to incorporate that now. Then we next financial year, maybe start in July, look at doing that transfer time strategy correctly.\n\nSo we are drawing money out to replenish your income, but then we start to increase the contributions back to keep your take home pay relatively the same. Is that sort of what you're after? Is that does that sound like it's what you would like me to look at?\n\nChannel 1: Yeah. That's yeah.\n\nChannel 0: Yep.\n\nChannel 1: It would be I think the way it goes. Because I think overall, it would be better to reduce that debt as quick as possible.\n\nChannel 0: Yep.\n\nChannel 1: But is it is it worth it in, like, a $100 cents, I guess? I guess it it should be.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Look. It it's it's honestly not a problem to do. One of the main sort of disadvantages to doing it that way is that, obviously, with the money we are taking out now, if you do leave that money inside Super and just increase your contributions in and we do this strategy the way it's sort of intended to, you're gonna be in a greater position. However, if you take that money at now, even if we are putting contributions back in, you never actually get yourself back to the position that you would have been in had you not withdrawn. But at the same time, taking that money out of the super side of things, it is a tax free withdrawal.\n\nYou are over 60. It has does help you to reduce the loan amount, and, realistically, you are paying interest on that loan because it is a car\n\nChannel 1: Yes.\n\nChannel 0: loan or a personal loan there. So the interest could certainly outweigh the the return that you might have got on that money. Paying\n\nChannel 1: Yes.\n\nChannel 0: down the loan tends to give you a more of a guaranteed rate of return. You are reducing the debt and the amount of interest you pay to the bank for that, which could, in the long term, put you in a better position because you may you know, not having that loan means it's one less thing to factor into expenses into retirement income. So it's more\n\nChannel 1: Yes.\n\nChannel 0: just about making sure that you're comfortable with that. You are taking money out of the super system to pay it back. It does mean longevity wise, there could be an effect on your super, but it's not the be all and end all. It's it's about making sure you're comfortable with that. And I can show you if you want me to.\n\nI'll do the research around it. I can show you what that looks like, how it affects you, the long term side of things, and factor in the retirement side for you for age 67 to sort of show you what we expect based on these recommendations. Any advice we provide for you, Darren, is always up to you to decide whether you're happy to take you get to decide whether you take all the recommendations, some of them or none of them, and we'll show you the advantages, the disadvantages, and the risks involved. Does that sound alright?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Yep. Perfect. Well, I can have a really good look at all of that for you. It's not a problem.\n\nOkay? Beautiful.\n\nChannel 1: Alright.\n\nChannel 0: Excellent. Perfect.\n\nChannel 1: Sounds good.\n\nChannel 0: It does. It does. Easy. Now the next asset I have on here is your contents. We have that valued at about 8,000.\n\nDo you feel like that's fairly comfortable? You leave that at the same amount?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Excellent. And is there anything else that we may have missed? Any other assets or liabilities that you wanna add on here?\n\nChannel 1: No. That's it. That's it.\n\nChannel 0: Yep. Perfect. Lovely. Health wise, you did mention that you've dropped hours due to your sort of health. How what's sort of been happening over the last twelve months health wise?\n\nHas everything sort of changed? Or\n\nChannel 1: No. Everything's alright. It's yeah, everything's fine. It's just\n\nChannel 0: mhmm.\n\nChannel 1: really\n\nChannel 0: Yep.\n\nChannel 1: just a a nice balance to not well, just not worth too hard, but just enough to to to save a bit and and, yeah, enjoy life a bit.\n\nChannel 0: Yeah. Yeah. Perfect. And have this lovely holiday that you're saving up for.\n\nChannel 1: Yeah. Well, that's, yeah, that's a big plan because that's, yeah, that's what I wanna do. So\n\nChannel 0: Yeah. Beautiful. And I've also got down here that other goals moving forward. You also wanna pay down the car loan as much as possible. Is there anything else, you know, over the next sort of two to three to five or ten years that you might be wanting to achieve?\n\nOr\n\nChannel 1: Well, not apart from if we're you know, as far as going, but but but buying a house maybe, but that's why I gotta decide whether whether it's not gonna happen and and plan to not have one and just rent or whatever,\n\nChannel 0: Yep. Yep.\n\nChannel 1: but or a unit or something like that. But, yeah, that's that's another goal that's just to set something up for somewhere to live, really.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Yep.\n\nChannel 1: yeah. It's yeah. Just wondering which way it'll go and whether it's worth\n\nChannel 0: Absolutely.\n\nChannel 1: even looking or\n\nChannel 0: Yep.\n\nChannel 1: yeah,\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: that's\n\nChannel 0: Not a problem.\n\nChannel 1: all\n\nChannel 0: Yeah.\n\nChannel 1: I was thinking.\n\nChannel 0: Yep. No. Absolutely. Not an issue at all. Now the other thing I just wanted to sort of evaluate with you is just sort of double checking that you are invested correct in the right risk profile.\n\nBecause other things that we can look at are if you wanted to try and get a bit more growth out of your super, we could look at taking on a bit more risk in the market. It also comes down to your comfort level as well, but taking a bit more risk in the market can open you up to greater potential returns. It's just a bit of a juggling act, and I wouldn't want you to take on too much risk than you're comfortable with because then it does mean that you risk at the time you're wanting to stop working and hopefully retire, there could be a downturn in the market. And if you chose to continue to retire, you might be cementing losses that may have occurred. So just to sort of go through just a couple of questions there to assess your risk profile, The first one is, have you ever owned direct shares?\n\nHave you ever invested in your own name before outside of Superm? Nope. Never owned shares. No?\n\nChannel 1: No. Not always wanted to, but just never\n\nChannel 0: Yep.\n\nChannel 1: got there. I never understood\n\nChannel 0: That's okay.\n\nChannel 1: it enough to to\n\nChannel 0: Yep.\n\nChannel 1: know what to do.\n\nChannel 0: That's absolutely\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: always\n\nChannel 0: Not\n\nChannel 1: always\n\nChannel 0: an ish.\n\nChannel 1: wanted to get into it, but never did.\n\nChannel 0: Yep. No. Absolutely. The next question here is asking, I sent it to more about inflation. So it says, how much risk do you feel you're comfortable to take when it comes to your super to get those greater potential returns?\n\nDo you think you're happy with a higher level of risk to get greater potential returns in the future? Are you comfortable with a moderate or medium amount of risk to get the best returns you can, or are you only comfortable taking on a small amount of risk to get the best returns you can possibly obtain?\n\nChannel 1: Oh, yeah. It's just that crystal ball thing. I I'm only because I need to get as much as I can. I I\n\nChannel 0: Yep.\n\nChannel 1: would like to sort of high risk, but yeah. I'm a little bit worried, so\n\nChannel 0: Yep.\n\nChannel 1: maybe medium.\n\nChannel 0: Yep. Perfect. Lovely. How do you think you might be feeling if you looked at your super balance in, say, the next six to twelve months and due to external market factors or what was happening in the world? If the portfolio fell and we saw maybe a 10 or 20 drop, how do you think you might be starting to feel?\n\nChannel 1: Well, it is what it is. I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: I'd I'd I would hope it's not. That\n\nChannel 0: Mhmm.\n\nChannel 1: sort of wouldn't happen.\n\nChannel 0: Mhmm.\n\nChannel 1: But, yeah, I I get yeah. I don't know. I don't know enough, I guess. But, you know, it is what it is. You know?\n\nChannel 0: Yep. That's okay.\n\nChannel 1: Gotta get together\n\nChannel 0: Do you think it\n\nChannel 1: to\n\nChannel 0: might\n\nChannel 1: fly.\n\nChannel 0: be a little bit con yeah. Do you think it might be a bit concerning? Do you think you'd wanna put more money in to take advantage of the market dips, or do you think you might just be calling us and asking what's happening and what can we do?\n\nChannel 1: Probably just calling you, I guess.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Lovely. Having a look at the sort of returns that you're after, you're trying to get the best returns you possibly can out of your super out of your portfolio. Am I right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. All good. Perfect. Well, thank you for answering those questions. Now having a bit of a look there, you sorry.\n\nThe last one here I just had to ask, I do apologize. It just sort of popped up there for me, is when you think about borrowing, you're still wanting to buy property in the future. You are open to hopefully being able to buy in the future. Is that right?\n\nChannel 1: Well, yeah. I would.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But, you know, to get it. But, yeah, he's gonna owe me money, really.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: We have a year ago, probably wouldn't be able to get it. So\n\nChannel 0: Yep. No. That's understandable. Not a problem at all.\n\nChannel 1: but\n\nChannel 0: And thank\n\nChannel 1: you\n\nChannel 0: you.\n\nChannel 1: never know what comes along, that's all. You know?\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: exactly right.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. That is exactly right. Now as I kinda mentioned before, you are in more of a balanced growth portfolio, which generally sees about 70% of your super invested in growth assets. These are the investments that take a bit more that give us a bit more risk, that tend to give us greater returns over the longer term as well. There are things like Australian shares, international shares, listed property, and commodities.\n\nThis sort of portfolio is trying to average around about six to 8% return on a yearly basis. So your return this year, while spend along has been down a little bit, is generally in line with what the expectation is of that portfolio. You still then have around about 30% in defensive investment fees of things that tend to be lower in risk, things like cash, bonds, and fixed interest. We wanna have a mix of both to diversify and spread our risk level over the portfolio. Over the course of time.\n\nThose defensive investments help to smooth out long term market fluctuations. So it's good to have some of those in there. The balanced growth portfolio, we do expect the likelihood of a negative return to be about one in six years. So it's relatively low to other portfolios. And this sort of investment portfolio suits someone who has about five years before they're wanting to access their their investment or their money.\n\nSo this does suit where you are. If you are wanting to take on just a little bit more risk and maybe increase things a bit, we could always move you up into the growth portfolio that increases those growth assets by about 10%. So you see about 80% invested there. It suits someone who has at least six years before they're wanting to access super. So at the moment, you're 60.\n\nIf we sort of work to 67, that does give you seven years. We wouldn't wanna keep you in that portfolio right up until the day you retire. So as you get closer, we'll start to reduce your exposure a little bit there as well and make you more defensive. But did you wanna sort of maybe look at going up and increasing that, those growth assets by 10%, maybe looking at the growth portfolio, just moving up one sort of stage there for a comfort amount, or what would you like me to do?\n\nChannel 1: Yeah. I wish I knew. I don't know.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I don't I don't know really. I guess\n\nChannel 0: That's\n\nChannel 1: I guess so.\n\nChannel 0: that's okay. Would you like me to look at staying in the balance growth option for you at the moment, look at that trends in your time strategy, look at how that how things work for you, look at the overall retirement projection? If we find it's not gonna be enough, then we could always look at as sort of a worst case scenario, moving you up a little bit, taking on a bit more risk. Would you like me to look at it that way for you?\n\nChannel 1: Yeah. Yeah. I'll\n\nChannel 0: Yep.\n\nChannel 1: I'll yes.\n\nChannel 0: Yeah. That's okay. It can kinda keep it sort of as a worst case scenario. So, you know, if we're not getting the outcome we're sort of after, if it's not really working, then we could always look to take on a bit more risk. But I can\n\nChannel 1: Yeah.\n\nChannel 0: always just look at sort of keeping the portfolio the same and see see if it works for you that way. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Lovely. So I've got that for you. Beautiful.\n\nWell, I've basically got everything I need at the moment to kinda go back. So just to kind of recap, we're gonna look at the super. I'll look at where you're in at the moment with Netwealth. I'll also look at the other options. I'll try to keep you in that balanced growth environment for you.\n\nAs a worst case, we could always look to increase the risk down the track there. We'll look at removing the underperforming investment for you, replace it with something hopefully lower cost. I can also look at other investment profiles or portfolios that might sort of if it provides greater benefit, has maybe an option where we can be maneuvering investments for you if they're underperforming. Would you like me to look at alternative investment portfolios like that for you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. All good. The other thing I just said of I had a wanted to have a look at is you don't have any insurances. Now I know you are 60. So, realistically, if you were to pass away, I can see here that your super balance will be paid out as a benefit there.\n\nBut you don't have any personal insurances, the life TPD income protection. In the event of, say, a TPD claim, we can be giving your age access super under permanent incapacity so you can make a claim on super that way. If you were to pass away, the last benefit would just be paid out of your super balance. So whatever your super balance is paid out to your beneficiary there as well. But in the event of not being able to work in the shorter term, we would again have to try and access super.\n\nAnd because you are 60, if you were not working, we could, you know, access super under that sort of benefit and give you some money out of there. But are you comfortable not having insurances? Are you happy to sort of continue that way? What's your thoughts around the personal insurance side of things?\n\nChannel 1: Yeah. I I don't know. I hate the insurance part. It's it's\n\nChannel 0: Yeah.\n\nChannel 1: something you need you need you need to do something about.\n\nChannel 0: Yeah. I mean, given your age because you are 60 look. And the realistic view is if you are not working, if you stop working due to your illness or whatever, you can access it. If you're over 60, not working, or dropping it. You know?\n\nCeasing work is essentially the condition of release to access your super, so you could do so. Permanent incapacity, again, is the same sort of thing. Claiming that against your super, and that provides the benefit to you so you can access your super if you were diagnosed with some sort of disability that stopped you from working. And if you were to pass away, your super benefit is paid out to your partner or to your beneficiary as a life benefit as well. So you do sort of have those covers there without actually having insurances.\n\nThe downside to not having insurances is that it is only your super that is paid out to provide that benefit. You don't have anything additional to fall back on. The benefit\n\nChannel 1: Yep.\n\nChannel 0: to not having insurance is is that you're not paying for those premiums out of your super, and that can have a long term effect on your super as well. So I\n\nChannel 1: Yeah.\n\nChannel 0: just wanted\n\nChannel 1: Yep.\n\nChannel 0: to sort of make sure I'm clarifying that with you and confirm your comfort level. But did you want us to look at some sort of cover for you, or are you happy just with what you've got and just wanting to maximize super? What's your where your where's your comfort level at?\n\nChannel 1: At this stage, I guess I'm happy. I take\n\nChannel 0: Yep.\n\nChannel 1: that to the chance, I guess. And,\n\nChannel 0: Yep.\n\nChannel 1: yes, at this stage, that'll do.\n\nChannel 0: Yep. That's okay. And the other thing we do have to sort of discuss is the option of trauma. So trauma is not an insurances that are paid. In SOP, you have to pay for them out of your back pocket, but trauma tends to pay out a lump sum tax free benefit in the event that you are diagnosed with, say, certain cancers, neurological conditions, Parkinson's, things like that.\n\nDid you wanna look at getting any trauma? You're happy not to have trauma as another option?\n\nChannel 1: I guess at this stage,\n\nChannel 0: Yeah.\n\nChannel 1: I'm gonna need yeah, probably need something one day.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Just yeah. Anyway, that'll at this stage, it should be alright.\n\nChannel 0: This day should be fine. Not a problem at all. I just thought I'd have to go through those with you to sort of make sure that you're aware and understand the differences\n\nChannel 1: Yep.\n\nChannel 0: there. We always have to give you the option. That's all. So\n\nChannel 1: Yep.\n\nChannel 0: I'd like to make sure I'm giving you all the information to be able to make that decision comfortably. Okay.\n\nChannel 1: K.\n\nChannel 0: Perfect. So we're focusing on the super looking at ways to benefit there. I'll look at the transition retirement strategy for you. I'm looking at taking out a 10% withdrawal this year and then maybe looking at the TTR strategy moving forward. We're working on a take home pay keeping your take home pay at around that $1,500 mark per week.\n\nIs that right? Sorry. It's per week, isn't it? Your take home pay, 1,500 per week\n\nChannel 1: Yeah.\n\nChannel 0: or fortnight? Per week?\n\nChannel 1: I'll put it with yeah.\n\nChannel 0: Per week. Yep. Perfect. Just wanna clarify that for you. And, yes, I'll go back and do all that additional research for you.\n\nIf I find it's not gonna work, we could just look at salary sacrificing and seeing what that can do to help you. If there's another conversation I need to have, I'll come back and have that with you. But I've got a a lot of really good ideas that we can look at for you, some different strategies to assess, and we can update the advice document and come back and show you what that looks like so you can decide whether you're happy to take on the advice or not. Does that sound okay, Darren?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Yep. Beautiful. Do you have any questions? I know I've asked you everything under the sun. I know as much about you as possible.\n\nBut do you have any questions for me? Did you want me to kinda break anything further down for you? Or\n\nChannel 1: No. I think that's yeah. That's about\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Beautiful. Well, if you find you do have questions, please do let me know. I have sent the annual review documents to you, which does give you a summary of your balance. It also has the internal rate of return report that we went through, giving you the returns and how your sleeper has performed. It's also got there the ongoing service agreement attached, So that's essentially just letting you know that you do pay an ongoing service fee for our services, which is 1.65% per annum.\n\nIt is deducted in smaller monthly increments out of your super, and that allows us to be looking after your super, monitoring everything for you, but also updating the advice and the strategies. There's no additional fees for that. So if I can get you to run your eyes over the documents there, return those and your review documents back for us. You'll also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It outlines all the important aspects of our job, making sure that we're abiding by the corporations act specifically sorry, specifically, section nine of that.\n\nWe also make sure that we abide by privacy rules and regulations, making sure to do security with you on a regular basis. And if you And if you wanna have a look through that document, it's also got a lovely picture of me in there. So you can also see what I look like and get a bit of an idea of who I am as a financial adviser. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Beautiful. Did you have any other questions? Have I sort of touched on the points that were more important to you today? Is there anything else that might come to mind that you wanted to ask me at all?\n\nChannel 1: No. No. I think that's\n\nChannel 0: No? That's okay. If anything does happen to come to mind at any point, please\n\nChannel 1: it.\n\nChannel 0: do let us know. We are here, and I will always make time to take the call for you. But, yeah, I'll get started on this research. And as soon as we have it ready to go, I'll book you back in, and we'll go through the advice document together. Okay?\n\nChannel 1: Alright. Thank you very much.\n\nChannel 0: My pleasure. Thank you so much for your time today. I appreciate it. I hope you have a lovely rest of your day.\n\nChannel 1: Yeah. You too. Thanks.\n\nChannel 0: Thanks, Darren. Talk to you soon. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.02675699070096016}],"sentiment":"neutral","sentiment_score":0.02675699070096016,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Darren.","start":2.72,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.12986798584461212},{"text":"This is Dana from Okey Financial.","start":3.4399998,"end":5.04,"sentiment":"neutral","sentiment_score":0.16968462119499841},{"text":"How are you this morning?","start":5.04,"end":6.1,"sentiment":"neutral","sentiment_score":0.23162722885608672}],"sentiment":"neutral","sentiment_score":0.18738306485689604,"channel":0,"num_words":13,"start":2.72,"end":6.1},{"sentences":[{"text":"Yeah.","start":6.3199997,"end":6.8199997,"sentiment":"positive","sentiment_score":0.41159144043922424}],"sentiment":"positive","sentiment_score":0.41159144043922424,"channel":1,"num_words":1,"start":6.3199997,"end":6.8199997},{"sentences":[{"text":"It's good.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.6681661009788513},{"text":"I had to put in to go through an annual review today.","start":8.16,"end":10.32,"sentiment":"positive","sentiment_score":0.3666314606865247},{"text":"Is now still a good time there for you?","start":10.32,"end":12.34,"sentiment":"positive","sentiment_score":0.3594500422477722},{"text":"Yeah.","start":14.445,"end":14.945,"sentiment":"neutral","sentiment_score":0.12288668751716614},{"text":"Oh, good.","start":15.004999,"end":15.565,"sentiment":"neutral","sentiment_score":0.20757632702589035}],"sentiment":"positive","sentiment_score":0.36573074815364987,"channel":0,"num_words":26,"start":7.7599998,"end":15.565},{"sentences":[{"text":"I'm sorry.","start":15.565,"end":15.964999,"sentiment":"neutral","sentiment_score":0.020001976750791073},{"text":"I had a note here to say you were not long waking up.","start":15.964999,"end":18.865,"sentiment":"neutral","sentiment_score":-0.02895012068060728},{"text":"Now is it okay?","start":18.925,"end":19.645,"sentiment":"neutral","sentiment_score":0.025146038737148046},{"text":"Do you","start":19.645,"end":19.965,"sentiment":"neutral","sentiment_score":-0.002131054177880287}],"sentiment":"neutral","sentiment_score":-0.011429788988260995,"channel":0,"num_words":21,"start":15.565,"end":19.965},{"sentences":[{"text":"Yeah.","start":19.905,"end":20.405,"sentiment":"neutral","sentiment_score":0.00039312243461608887}],"sentiment":"neutral","sentiment_score":0.00039312243461608887,"channel":1,"num_words":1,"start":19.905,"end":20.405},{"sentences":[{"text":"need a few minutes to so sorry.","start":19.965,"end":21.825,"sentiment":"neutral","sentiment_score":-0.03115310546542917}],"sentiment":"neutral","sentiment_score":-0.03115310546542917,"channel":0,"num_words":7,"start":19.965,"end":21.825},{"sentences":[{"text":"No.","start":21.585001,"end":21.825,"sentiment":"neutral","sentiment_score":-0.000017557293176651},{"text":"No.","start":21.825,"end":22.145,"sentiment":"neutral","sentiment_score":0.08190296590328217},{"text":"It's all good.","start":22.145,"end":22.945,"sentiment":"neutral","sentiment_score":0.3293766180674235},{"text":"It's all good.","start":22.945,"end":23.845001,"sentiment":"positive","sentiment_score":0.45088161031405133}],"sentiment":"neutral","sentiment_score":0.30283251171931624,"channel":1,"num_words":8,"start":21.585001,"end":23.845001},{"sentences":[{"text":"Oh, not a worry.","start":23.564999,"end":24.765,"sentiment":"neutral","sentiment_score":0.12101403065025806},{"text":"Now before we jump into the call there, Darren, just to let you know, we do record these calls for quality and training purposes.","start":24.765,"end":29.47,"sentiment":"neutral","sentiment_score":0.09364693115154903},{"text":"Are you happy for us to proceed with that?","start":29.47,"end":31.41,"sentiment":"neutral","sentiment_score":0.14915823356972802}],"sentiment":"neutral","sentiment_score":0.11010828573961516,"channel":0,"num_words":37,"start":23.564999,"end":31.41},{"sentences":[{"text":"Yeah.","start":31.69,"end":32.190002,"sentiment":"neutral","sentiment_score":0.09569032490253448}],"sentiment":"neutral","sentiment_score":0.09569032490253448,"channel":1,"num_words":1,"start":31.69,"end":32.190002},{"sentences":[{"text":"Yep.","start":32.67,"end":33.07,"sentiment":"neutral","sentiment_score":0.14715373516082764},{"text":"Lovely.","start":33.07,"end":33.31,"sentiment":"neutral","sentiment_score":0.2785661816596985},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":33.31,"end":36.83,"sentiment":"neutral","sentiment_score":0.15218611853197217},{"text":"So I'll just get you to confirm for me your full name, date of birth, and address that I should have on file.","start":36.83,"end":41.09,"sentiment":"neutral","sentiment_score":0.12052079938028169}],"sentiment":"neutral","sentiment_score":0.13738234631898927,"channel":0,"num_words":41,"start":32.67,"end":41.09},{"sentences":[{"text":"Yeah.","start":41.61,"end":41.93,"sentiment":"neutral","sentiment_score":0.03591311722993851},{"text":"Karen Casar.","start":41.93,"end":42.91,"sentiment":"neutral","sentiment_score":0.025889594107866287},{"text":"121065.","start":43.21,"end":44.989998,"sentiment":"neutral","sentiment_score":0.028452422469854355}],"sentiment":"neutral","sentiment_score":0.02903618197888136,"channel":1,"num_words":4,"start":41.61,"end":44.989998},{"sentences":[{"text":"Beautiful.","start":45.715,"end":46.215,"sentiment":"neutral","sentiment_score":0.10030892491340636}],"sentiment":"neutral","sentiment_score":0.10030892491340636,"channel":0,"num_words":1,"start":45.715,"end":46.215},{"sentences":[{"text":"Number 2, Ellen Street.","start":46.495003,"end":47.655,"sentiment":"neutral","sentiment_score":0.06170886103063822},{"text":"Sorry.","start":47.655,"end":47.935,"sentiment":"neutral","sentiment_score":0.03467972204089165},{"text":"Yeah.","start":47.935,"end":48.435,"sentiment":"neutral","sentiment_score":0.07872959971427917}],"sentiment":"neutral","sentiment_score":0.06004079431295395,"channel":1,"num_words":6,"start":46.495003,"end":48.435},{"sentences":[{"text":"Lovely.","start":48.355,"end":48.855,"sentiment":"neutral","sentiment_score":0.2644621729850769},{"text":"Thank you so much for that.","start":49.315002,"end":50.915,"sentiment":"positive","sentiment_score":0.4765658030907313},{"text":"Are you on night shift at the moment, are you?","start":50.915,"end":53.015,"sentiment":"neutral","sentiment_score":0.16116680651903154},{"text":"Yeah.","start":54.45,"end":54.77,"sentiment":"neutral","sentiment_score":0.09342403709888458},{"text":"How's it all going?","start":54.77,"end":55.57,"sentiment":"neutral","sentiment_score":0.1209417637437582}],"sentiment":"neutral","sentiment_score":0.24148709767244078,"channel":0,"num_words":22,"start":48.355,"end":55.57},{"sentences":[{"text":"How's your week been so far?","start":55.57,"end":57.11,"sentiment":"neutral","sentiment_score":0.09976860384146373}],"sentiment":"neutral","sentiment_score":0.09976860384146373,"channel":0,"num_words":6,"start":55.57,"end":57.11},{"sentences":[{"text":"Oh, yeah.","start":57.775,"end":58.255,"sentiment":"neutral","sentiment_score":0.1993791162967682},{"text":"It's good.","start":58.255,"end":58.995003,"sentiment":"neutral","sentiment_score":0.326787993311882},{"text":"Yep.","start":59.055,"end":59.52,"sentiment":"neutral","sentiment_score":0.16730765998363495}],"sentiment":"neutral","sentiment_score":0.24392837584018706,"channel":1,"num_words":5,"start":57.775,"end":59.52},{"sentences":[{"text":"Yeah?","start":59.41,"end":59.91,"sentiment":"neutral","sentiment_score":0.16729125380516052},{"text":"Nice.","start":60.13,"end":60.63,"sentiment":"neutral","sentiment_score":0.3011208176612854},{"text":"You get the weekend off.","start":60.69,"end":61.65,"sentiment":"neutral","sentiment_score":0.1951390504837036},{"text":"Do you just work Monday to Friday?","start":61.65,"end":63.11,"sentiment":"neutral","sentiment_score":0.07435972562858037}],"sentiment":"neutral","sentiment_score":0.14033038594893046,"channel":0,"num_words":14,"start":59.41,"end":63.11},{"sentences":[{"text":"Yeah.","start":65.6,"end":65.92,"sentiment":"neutral","sentiment_score":0.07728201150894165},{"text":"Normally, your weekend is as well, like a Saturday.","start":65.92,"end":68.26,"sentiment":"neutral","sentiment_score":0.1233589616086748}],"sentiment":"neutral","sentiment_score":0.11875126659870147,"channel":1,"num_words":10,"start":65.6,"end":68.26},{"sentences":[{"text":"Oh, well, hopefully, you get to enjoy some days off soon.","start":69.425,"end":71.905,"sentiment":"neutral","sentiment_score":0.25588582997972315},{"text":"Did you get some downtime over Christmas to have a bit of a break?","start":71.905,"end":74.965,"sentiment":"neutral","sentiment_score":0.09322955352919442}],"sentiment":"neutral","sentiment_score":0.16479831516742707,"channel":0,"num_words":25,"start":69.425,"end":74.965},{"sentences":[{"text":"Christmas party.","start":76.155,"end":77.215,"sentiment":"neutral","sentiment_score":0.08278264850378036}],"sentiment":"neutral","sentiment_score":0.08278264850378036,"channel":1,"num_words":2,"start":76.155,"end":77.215},{"sentences":[{"text":"Yep.","start":77.76,"end":78.26,"sentiment":"neutral","sentiment_score":0.15311819314956665}],"sentiment":"neutral","sentiment_score":0.15311819314956665,"channel":0,"num_words":1,"start":77.76,"end":78.26},{"sentences":[{"text":"Yeah.","start":79.195,"end":79.595,"sentiment":"neutral","sentiment_score":0.28156113624572754},{"text":"That was very good.","start":79.595,"end":80.575,"sentiment":"positive","sentiment_score":0.4365207254886627}],"sentiment":"positive","sentiment_score":0.4055288076400757,"channel":1,"num_words":5,"start":79.195,"end":80.575},{"sentences":[{"text":"Yeah.","start":81.28,"end":81.78,"sentiment":"neutral","sentiment_score":0.16483713686466217},{"text":"Oh, well, hopefully, you get some time off fairly soon.","start":81.92,"end":84.58,"sentiment":"neutral","sentiment_score":0.16911590099334717},{"text":"Darren, as part of your annual review there, is there anything particular you wanted to touch base on or any questions that you had that you wanted to maybe ask me while you've got us here as well?","start":84.799995,"end":93.06,"sentiment":"neutral","sentiment_score":0.11589904482427396}],"sentiment":"neutral","sentiment_score":0.1277583642881744,"channel":0,"num_words":49,"start":81.28,"end":93.06},{"sentences":[{"text":"No.","start":95.05,"end":95.53,"sentiment":"neutral","sentiment_score":-0.1576327383518219},{"text":"Just just the future of what I can do and what I should be doing.","start":95.53,"end":102.090004,"sentiment":"neutral","sentiment_score":-0.16967736333608627},{"text":"Like,","start":102.090004,"end":102.590004,"sentiment":"neutral","sentiment_score":-0.05633130669593811}],"sentiment":"neutral","sentiment_score":-0.1623014408875914,"channel":1,"num_words":17,"start":95.05,"end":102.590004},{"sentences":[{"text":"Yeah.","start":103.095,"end":103.494995,"sentiment":"neutral","sentiment_score":-0.058734968304634094},{"text":"Of course.","start":103.494995,"end":104.155,"sentiment":"neutral","sentiment_score":-0.07208408415317535}],"sentiment":"neutral","sentiment_score":-0.06763437887032826,"channel":0,"num_words":3,"start":103.095,"end":104.155},{"sentences":[{"text":"see my my age and probably not gonna be able to get a house, but, yeah, things like that where because I haven't got a house, and","start":105.365,"end":117.75,"sentiment":"neutral","sentiment_score":-0.12344921545849906}],"sentiment":"neutral","sentiment_score":-0.12344921545849906,"channel":1,"num_words":27,"start":105.365,"end":117.75},{"sentences":[{"text":"Right.","start":118.005005,"end":118.505005,"sentiment":"neutral","sentiment_score":-0.17043200135231018}],"sentiment":"neutral","sentiment_score":-0.17043200135231018,"channel":0,"num_words":1,"start":118.005005,"end":118.505005},{"sentences":[{"text":"that's what I didn't want.","start":118.85,"end":120.13,"sentiment":"neutral","sentiment_score":-0.26646568179130553},{"text":"But,","start":120.13,"end":120.63,"sentiment":"neutral","sentiment_score":-0.0772310271859169}],"sentiment":"neutral","sentiment_score":-0.23492657269040743,"channel":1,"num_words":6,"start":118.85,"end":120.63},{"sentences":[{"text":"Mhmm.","start":120.725006,"end":121.225006,"sentiment":"neutral","sentiment_score":-0.04802730306982994}],"sentiment":"neutral","sentiment_score":-0.04802730306982994,"channel":0,"num_words":1,"start":120.725006,"end":121.225006},{"sentences":[{"text":"yeah, I'm just wondering, you know, if I can do something like that.","start":122.92999,"end":128.05,"sentiment":"neutral","sentiment_score":-0.06253573893067929},{"text":"But, yeah, that'd be the only thing.","start":128.05,"end":131.65,"sentiment":"neutral","sentiment_score":-0.1116932790194239},{"text":"And another thing would be is there can you buy a house within your super?","start":131.65,"end":140.955,"sentiment":"neutral","sentiment_score":0.034919076164563495}],"sentiment":"neutral","sentiment_score":-0.030600897621895586,"channel":1,"num_words":35,"start":122.92999,"end":140.955},{"sentences":[{"text":"Mhmm.","start":141.475,"end":141.795,"sentiment":"neutral","sentiment_score":0.010008130222558975},{"text":"Yeah.","start":141.795,"end":142.195,"sentiment":"neutral","sentiment_score":0.08869874477386475},{"text":"It's a really good question.","start":142.195,"end":143.495,"sentiment":"positive","sentiment_score":0.3499134659767151},{"text":"So with the way your super is structured at the moment, you can't use the funds to purchase a home.","start":143.55501,"end":148.675,"sentiment":"neutral","sentiment_score":-0.0908968135714531},{"text":"The only way you could do that with utilizing real property is by having a self managed super fund.","start":148.675,"end":154.17,"sentiment":"neutral","sentiment_score":-0.030532989258828917}],"sentiment":"neutral","sentiment_score":-0.011951931792756786,"channel":0,"num_words":46,"start":141.475,"end":154.17},{"sentences":[{"text":"Inside","start":155.13,"end":155.45,"sentiment":"neutral","sentiment_score":-0.014765851199626924}],"sentiment":"neutral","sentiment_score":-0.014765851199626924,"channel":0,"num_words":1,"start":155.13,"end":155.45},{"sentences":[{"text":"Yep.","start":155.18999,"end":155.68999,"sentiment":"neutral","sentiment_score":0.029522022232413292}],"sentiment":"neutral","sentiment_score":0.029522022232413292,"channel":1,"num_words":1,"start":155.18999,"end":155.68999},{"sentences":[{"text":"the self managed super fund structure, that would mean that you're essentially a trustee.","start":155.45,"end":158.73,"sentiment":"neutral","sentiment_score":0.012957413281713213},{"text":"You're taking on more responsibility of looking after the fund and having a lot more say in what happens, but you, unfortunately, can't purchase a house that you can live in.","start":158.73,"end":166.425,"sentiment":"neutral","sentiment_score":-0.1534727209758374},{"text":"Under the rules of having a staff on your super fund,","start":166.905,"end":169.38501,"sentiment":"neutral","sentiment_score":-0.17667166888713837}],"sentiment":"neutral","sentiment_score":-0.11642212360831243,"channel":0,"num_words":56,"start":155.45,"end":169.38501},{"sentences":[{"text":"Okay.","start":169.085,"end":169.585,"sentiment":"neutral","sentiment_score":-0.1035272553563118}],"sentiment":"neutral","sentiment_score":-0.1035272553563118,"channel":1,"num_words":1,"start":169.085,"end":169.585},{"sentences":[{"text":"if you were to go down that route, the investments within the house within that fund would have to be what's called an arm blank transaction, which means that you're unable to use it for your purposes.","start":169.38501,"end":180.365,"sentiment":"negative","sentiment_score":-0.3732097793269802},{"text":"You still have to even though you're the trustee and the member, you still have to have that invested and have it, you know, rented out","start":180.69,"end":189.57,"sentiment":"neutral","sentiment_score":-0.21578571830804533}],"sentiment":"neutral","sentiment_score":-0.3082411192239277,"channel":0,"num_words":63,"start":169.38501,"end":189.57},{"sentences":[{"text":"Yes.","start":189.38501,"end":189.88501,"sentiment":"neutral","sentiment_score":-0.08706989884376526}],"sentiment":"neutral","sentiment_score":-0.08706989884376526,"channel":1,"num_words":1,"start":189.38501,"end":189.88501},{"sentences":[{"text":"to someone else, not within, you know, your immediate family, not not a member of the fund because they don't let you live in a company for personal use.","start":189.57,"end":199.245,"sentiment":"neutral","sentiment_score":-0.20704472732955012},{"text":"It has to be an investment for","start":199.245,"end":201.905,"sentiment":"neutral","sentiment_score":-0.0574991660458701}],"sentiment":"neutral","sentiment_score":-0.17796642374661234,"channel":0,"num_words":36,"start":189.57,"end":201.905},{"sentences":[{"text":"Yeah.","start":201.705,"end":202.02,"sentiment":"neutral","sentiment_score":-0.005927182734012604}],"sentiment":"neutral","sentiment_score":-0.005927182734012604,"channel":1,"num_words":1,"start":201.705,"end":202.02},{"sentences":[{"text":"the future of the member of the super fund, essentially.","start":202.045,"end":204.925,"sentiment":"neutral","sentiment_score":0.009075111022684722},{"text":"Does that make sense?","start":204.925,"end":206.065,"sentiment":"neutral","sentiment_score":0.019037430174648762}],"sentiment":"neutral","sentiment_score":0.011921487923245877,"channel":0,"num_words":14,"start":202.045,"end":206.065},{"sentences":[{"text":"Yeah.","start":206.34,"end":206.66,"sentiment":"neutral","sentiment_score":-0.035238347947597504},{"text":"Yeah.","start":206.66,"end":206.82,"sentiment":"neutral","sentiment_score":-0.031953565776348114},{"text":"Yeah.","start":206.82,"end":207.06,"sentiment":"neutral","sentiment_score":-0.041382454335689545},{"text":"I thought there was some,","start":207.06,"end":208.26001,"sentiment":"neutral","sentiment_score":-0.09071127772331238}],"sentiment":"neutral","sentiment_score":-0.07026634458452463,"channel":1,"num_words":8,"start":206.34,"end":208.26001},{"sentences":[{"text":"Yeah.","start":207.9,"end":208.4,"sentiment":"neutral","sentiment_score":-0.07597938925027847}],"sentiment":"neutral","sentiment_score":-0.07597938925027847,"channel":0,"num_words":1,"start":207.9,"end":208.4},{"sentences":[{"text":"yeah, rules.","start":208.26001,"end":209.54001,"sentiment":"neutral","sentiment_score":-0.10079500451683998},{"text":"Yeah.","start":209.54001,"end":209.86,"sentiment":"neutral","sentiment_score":-0.03715822845697403},{"text":"Alright.","start":209.86,"end":210.36,"sentiment":"neutral","sentiment_score":-0.0010040986817330122}],"sentiment":"neutral","sentiment_score":-0.05993808404309675,"channel":1,"num_words":4,"start":208.26001,"end":210.36},{"sentences":[{"text":"Yeah.","start":210.78,"end":211.28,"sentiment":"neutral","sentiment_score":0.022114839404821396},{"text":"That's okay.","start":211.5,"end":212.22,"sentiment":"neutral","sentiment_score":0.06473059952259064},{"text":"With the balance you do have at the moment, it's not sort of recommended at this stage to be able to open a self managed super fund because you would need to use generally, when you are looking at purchasing a real property within a trust structure like that, you do have to have about a 20 to 30 deposit there.","start":212.22,"end":227.745,"sentiment":"neutral","sentiment_score":-0.28184047402417073},{"text":"So we don't","start":227.745,"end":228.705,"sentiment":"neutral","sentiment_score":-0.17554771403471628}],"sentiment":"neutral","sentiment_score":-0.26219904506162034,"channel":0,"num_words":67,"start":210.78,"end":228.705},{"sentences":[{"text":"Yes.","start":228.575,"end":228.96,"sentiment":"neutral","sentiment_score":-0.18447592854499817}],"sentiment":"neutral","sentiment_score":-0.18447592854499817,"channel":1,"num_words":1,"start":228.575,"end":228.96},{"sentences":[{"text":"normally suggest anyone open up a self funded super fund unless their balance gets up to around that $300,000 mark because most of your funds do go to being locked into that property.","start":228.705,"end":238.31,"sentiment":"negative","sentiment_score":-0.4198218087355296},{"text":"The other","start":238.77,"end":239.17,"sentiment":"neutral","sentiment_score":-0.12676599621772766}],"sentiment":"negative","sentiment_score":-0.4030757623059409,"channel":0,"num_words":35,"start":228.705,"end":239.17},{"sentences":[{"text":"Yes.","start":239.12001,"end":239.62001,"sentiment":"neutral","sentiment_score":-0.0959431380033493}],"sentiment":"neutral","sentiment_score":-0.0959431380033493,"channel":1,"num_words":1,"start":239.12001,"end":239.62001},{"sentences":[{"text":"aspect is generally a loan on those sorts of things are for about thirty years or so twenty to thirty years.","start":239.17,"end":245.33,"sentiment":"neutral","sentiment_score":0.00872985708216826},{"text":"So, you can't sort of, unlike having a property in your own name, make extra repayments to the loan.","start":245.33,"end":250.735,"sentiment":"neutral","sentiment_score":-0.04918761607749682},{"text":"Any extra repayments that you make are considered contributions towards super, so you do have to be very careful in that aspect.","start":250.735,"end":258.435,"sentiment":"neutral","sentiment_score":-0.11984853073954582},{"text":"So having a loan inside super does mean that you would probably have to work for a little bit longer there.","start":258.495,"end":264.0,"sentiment":"neutral","sentiment_score":0.01020143890664691},{"text":"But is that","start":264.24,"end":264.8,"sentiment":"neutral","sentiment_score":0.014115344732999802}],"sentiment":"neutral","sentiment_score":-0.03641080385788755,"channel":0,"num_words":86,"start":239.17,"end":264.8},{"sentences":[{"text":"Yeah.","start":264.58,"end":265.08,"sentiment":"neutral","sentiment_score":0.04164918139576912}],"sentiment":"neutral","sentiment_score":0.04164918139576912,"channel":1,"num_words":1,"start":264.58,"end":265.08},{"sentences":[{"text":"something you're wanting to do down the track?","start":264.8,"end":266.32,"sentiment":"neutral","sentiment_score":0.09903088817372918},{"text":"Are you hoping to use your super to purchase property?","start":266.32,"end":268.88,"sentiment":"neutral","sentiment_score":0.11637729555368423},{"text":"What's your goal with your super when you retire?","start":268.88,"end":271.46,"sentiment":"neutral","sentiment_score":0.12401285105281407}],"sentiment":"neutral","sentiment_score":0.11378280445933342,"channel":0,"num_words":27,"start":264.8,"end":271.46},{"sentences":[{"text":"Well, yeah.","start":272.885,"end":274.105,"sentiment":"neutral","sentiment_score":-0.03987976722419262},{"text":"I don't know.","start":274.965,"end":275.765,"sentiment":"neutral","sentiment_score":-0.10456159462531407},{"text":"Probably","start":275.765,"end":276.265,"sentiment":"neutral","sentiment_score":-0.09689079970121384}],"sentiment":"neutral","sentiment_score":-0.08172251967092355,"channel":1,"num_words":6,"start":272.885,"end":276.265},{"sentences":[{"text":"Yeah.","start":277.05502,"end":277.55502,"sentiment":"neutral","sentiment_score":-0.11599761992692947}],"sentiment":"neutral","sentiment_score":-0.11599761992692947,"channel":0,"num_words":1,"start":277.05502,"end":277.55502},{"sentences":[{"text":"probably not because I'm I I do know I'm not gonna have enough.","start":277.125,"end":280.345,"sentiment":"negative","sentiment_score":-0.333543531023539},{"text":"That's that's the thing, but I just well, I wouldn't like a house, but","start":282.485,"end":287.74,"sentiment":"neutral","sentiment_score":-0.21394626051187515}],"sentiment":"neutral","sentiment_score":-0.2715301314989726,"channel":1,"num_words":27,"start":277.125,"end":287.74},{"sentences":[{"text":"Yeah.","start":287.855,"end":288.355,"sentiment":"neutral","sentiment_score":-0.05567476898431778}],"sentiment":"neutral","sentiment_score":-0.05567476898431778,"channel":0,"num_words":1,"start":287.855,"end":288.355},{"sentences":[{"text":"to to live","start":288.28,"end":288.91998,"sentiment":"neutral","sentiment_score":-0.05572696899374326}],"sentiment":"neutral","sentiment_score":-0.05572696899374326,"channel":1,"num_words":3,"start":288.28,"end":288.91998},{"sentences":[{"text":"Yeah.","start":288.81,"end":289.31,"sentiment":"neutral","sentiment_score":-0.0726739689707756}],"sentiment":"neutral","sentiment_score":-0.0726739689707756,"channel":0,"num_words":1,"start":288.81,"end":289.31},{"sentences":[{"text":"in or or something.","start":288.91998,"end":290.46,"sentiment":"neutral","sentiment_score":-0.08804287761449814},{"text":"But yeah.","start":290.52,"end":292.62,"sentiment":"neutral","sentiment_score":-0.17369291931390762},{"text":"I know I'm not gonna have enough.","start":292.75998,"end":295.18,"sentiment":"negative","sentiment_score":-0.3913206287792751},{"text":"So","start":295.4,"end":295.9,"sentiment":"neutral","sentiment_score":-0.1732412725687027}],"sentiment":"neutral","sentiment_score":-0.2580030730792454,"channel":1,"num_words":14,"start":288.91998,"end":295.9},{"sentences":[{"text":"No.","start":296.09,"end":296.59,"sentiment":"neutral","sentiment_score":-0.22198714315891263}],"sentiment":"neutral","sentiment_score":-0.22198714315891263,"channel":0,"num_words":1,"start":296.09,"end":296.59},{"sentences":[{"text":"anyway.","start":297.88,"end":298.36,"sentiment":"neutral","sentiment_score":-0.17756089568138125},{"text":"Yeah.","start":298.36,"end":298.59998,"sentiment":"neutral","sentiment_score":-0.0980340987443924},{"text":"That's that's where I'm at.","start":298.59998,"end":300.215,"sentiment":"neutral","sentiment_score":-0.056080741435289384}],"sentiment":"neutral","sentiment_score":-0.07942838594317436,"channel":1,"num_words":7,"start":297.88,"end":300.215},{"sentences":[{"text":"Yeah.","start":300.65,"end":301.13,"sentiment":"neutral","sentiment_score":0.030776768922805783},{"text":"So the the prospect of renting through retirement is a realistic sort of prospect for yourself.","start":301.13,"end":306.055,"sentiment":"neutral","sentiment_score":0.12231768574565649},{"text":"You think you'll need to consider the rental, like, the cost of renting long term?","start":306.055,"end":311.355,"sentiment":"neutral","sentiment_score":0.041508423537015914}],"sentiment":"neutral","sentiment_score":0.08157769043464214,"channel":0,"num_words":32,"start":300.65,"end":311.355},{"sentences":[{"text":"Yeah.","start":312.435,"end":312.835,"sentiment":"neutral","sentiment_score":0.027401193976402283},{"text":"Yeah.","start":312.835,"end":313.07498,"sentiment":"neutral","sentiment_score":0.02878071554005146},{"text":"That's","start":313.07498,"end":313.44,"sentiment":"neutral","sentiment_score":0.01741597428917885}],"sentiment":"neutral","sentiment_score":0.024532627935210865,"channel":1,"num_words":3,"start":312.435,"end":313.44},{"sentences":[{"text":"Yeah.","start":313.255,"end":313.755,"sentiment":"neutral","sentiment_score":0.025158537551760674}],"sentiment":"neutral","sentiment_score":0.025158537551760674,"channel":0,"num_words":1,"start":313.255,"end":313.755},{"sentences":[{"text":"yeah.","start":313.68,"end":314.18,"sentiment":"neutral","sentiment_score":0.03919234126806259}],"sentiment":"neutral","sentiment_score":0.03919234126806259,"channel":1,"num_words":1,"start":313.68,"end":314.18},{"sentences":[{"text":"Yep.","start":314.45502,"end":314.775,"sentiment":"neutral","sentiment_score":0.056568440049886703},{"text":"That's okay.","start":314.775,"end":315.495,"sentiment":"neutral","sentiment_score":0.0919557511806488},{"text":"That's understandable.","start":315.495,"end":316.315,"sentiment":"neutral","sentiment_score":0.01476528897183016},{"text":"I'm having a look at things at the moment.","start":317.27,"end":318.71,"sentiment":"neutral","sentiment_score":0.02115080277952883},{"text":"So 65, you're you had a birthday in October.","start":318.71,"end":322.78998,"sentiment":"neutral","sentiment_score":0.05562610179185867}],"sentiment":"neutral","sentiment_score":0.041782724412927484,"channel":0,"num_words":23,"start":314.45502,"end":322.78998},{"sentences":[{"text":"So you're 61 this year.","start":322.78998,"end":324.15,"sentiment":"neutral","sentiment_score":0.06359255984425545},{"text":"You're 60 now.","start":324.15,"end":325.03,"sentiment":"neutral","sentiment_score":0.06644210343559583},{"text":"Is that right?","start":325.03,"end":325.84998,"sentiment":"neutral","sentiment_score":0.06524928410847981}],"sentiment":"neutral","sentiment_score":0.0648215419866822,"channel":0,"num_words":11,"start":322.78998,"end":325.84998},{"sentences":[{"text":"That's right.","start":326.08002,"end":326.72,"sentiment":"neutral","sentiment_score":0.1016886979341507},{"text":"Yeah.","start":326.72,"end":326.895,"sentiment":"neutral","sentiment_score":0.13290968537330627}],"sentiment":"neutral","sentiment_score":0.11209569374720256,"channel":1,"num_words":3,"start":326.08002,"end":326.895},{"sentences":[{"text":"Yeah.","start":327.34998,"end":327.83,"sentiment":"neutral","sentiment_score":0.1762986034154892},{"text":"So there are some really cool strategies that we could maybe look to put in place for you to be able to help you to boost your balance there.","start":327.83,"end":333.955,"sentiment":"positive","sentiment_score":0.39877961832901526},{"text":"Just having a look, and I'll give you I'm actually gonna also send you through some annual review documents.","start":334.415,"end":338.915,"sentiment":"neutral","sentiment_score":0.21136479393432014},{"text":"Do you have access to your emails at the moment, or would you prefer me just to go through things and you can have a look at the documents later?","start":338.975,"end":344.895,"sentiment":"neutral","sentiment_score":0.10716731896003087},{"text":"What would you like me to do, Darren?","start":344.895,"end":346.595,"sentiment":"neutral","sentiment_score":0.062475678976625204}],"sentiment":"neutral","sentiment_score":0.22381222552095337,"channel":0,"num_words":87,"start":327.34998,"end":346.595},{"sentences":[{"text":"Yeah.","start":351.41,"end":351.65,"sentiment":"neutral","sentiment_score":0.08839552849531174},{"text":"I can have a look later.","start":351.65,"end":353.35,"sentiment":"neutral","sentiment_score":0.09617021058996518}],"sentiment":"neutral","sentiment_score":0.09505954171930041,"channel":1,"num_words":7,"start":351.41,"end":353.35},{"sentences":[{"text":"Yeah.","start":353.9,"end":354.21997,"sentiment":"neutral","sentiment_score":0.1380707621574402},{"text":"That's okay.","start":354.21997,"end":354.93997,"sentiment":"neutral","sentiment_score":0.17728543281555176},{"text":"I'm I've got your email address here.","start":354.93997,"end":356.86,"sentiment":"neutral","sentiment_score":0.1207368437732969},{"text":"It is your first so darrenvtessa@gmail.com.","start":356.86,"end":362.265,"sentiment":"neutral","sentiment_score":0.10780976116657257},{"text":"Is that right?","start":362.265,"end":363.085,"sentiment":"neutral","sentiment_score":0.03863856693108877}],"sentiment":"neutral","sentiment_score":0.1107091133793195,"channel":0,"num_words":19,"start":353.9,"end":363.085},{"sentences":[{"text":"Yeah.","start":363.33502,"end":363.655,"sentiment":"neutral","sentiment_score":0.08215765655040741},{"text":"That's right.","start":363.655,"end":364.55502,"sentiment":"neutral","sentiment_score":0.15791653096675873}],"sentiment":"neutral","sentiment_score":0.13266357282797495,"channel":1,"num_words":3,"start":363.33502,"end":364.55502},{"sentences":[{"text":"Yep.","start":364.345,"end":364.825,"sentiment":"neutral","sentiment_score":0.3072125315666199},{"text":"Perfect.","start":364.825,"end":365.145,"sentiment":"positive","sentiment_score":0.668536901473999},{"text":"I have this sent through some annual review documents to you, so feel free to have a bit of a look at those later.","start":365.145,"end":369.965,"sentiment":"neutral","sentiment_score":0.3138129139939944},{"text":"I'll go through everything with you and sort of give you a bit of an update on where your super is up to.","start":370.265,"end":374.505,"sentiment":"neutral","sentiment_score":0.2651009281044421},{"text":"Let's touch base a bit more about your goals.","start":374.505,"end":376.605,"sentiment":"neutral","sentiment_score":0.21131674945354462}],"sentiment":"neutral","sentiment_score":0.28459364586863023,"channel":0,"num_words":58,"start":364.345,"end":376.605},{"sentences":[{"text":"I did have a bit of a look at things earlier, and then it looks like there's some advice that we can definitely look to help provide that might put you in a better position.","start":376.86,"end":384.13998,"sentiment":"neutral","sentiment_score":0.330690256186894},{"text":"So if you're comfortable, we'll go through this today, and then I'll go back and do some really in-depth research for you.","start":384.13998,"end":389.775,"sentiment":"neutral","sentiment_score":0.2206565629352223},{"text":"And I can update your strategies to see where we can help and what we can do moving forward to, you know, build on that retirement for you.","start":389.775,"end":397.215,"sentiment":"neutral","sentiment_score":0.22427694712366378},{"text":"Would you like that?","start":397.215,"end":398.275,"sentiment":"neutral","sentiment_score":0.14813726395368576}],"sentiment":"neutral","sentiment_score":0.2618079429931855,"channel":0,"num_words":89,"start":376.86,"end":398.275},{"sentences":[{"text":"Yes.","start":399.08002,"end":399.58002,"sentiment":"neutral","sentiment_score":0.12149283289909364}],"sentiment":"neutral","sentiment_score":0.12149283289909364,"channel":1,"num_words":1,"start":399.08002,"end":399.58002},{"sentences":[{"text":"Yeah.","start":399.855,"end":400.355,"sentiment":"neutral","sentiment_score":0.21765150129795072},{"text":"Beautiful.","start":400.495,"end":400.995,"sentiment":"positive","sentiment_score":0.5302157402038574},{"text":"Beautiful.","start":401.375,"end":401.875,"sentiment":"positive","sentiment_score":0.5431201457977295},{"text":"Now your balance at the moment inside, Super, when I had a look as of yesterday's date, you had about a 180,772 and 13¢.","start":402.5,"end":412.02,"sentiment":"neutral","sentiment_score":0.3255462944507599},{"text":"So your balance has increased a little bit over the last twelve months, which is really good.","start":412.02,"end":416.415,"sentiment":"positive","sentiment_score":0.5150846540927887}],"sentiment":"positive","sentiment_score":0.4077904948661494,"channel":0,"num_words":44,"start":399.855,"end":416.415},{"sentences":[{"text":"Yeah.","start":416.995,"end":417.495,"sentiment":"neutral","sentiment_score":0.2705586552619934}],"sentiment":"neutral","sentiment_score":0.2705586552619934,"channel":1,"num_words":1,"start":416.995,"end":417.495},{"sentences":[{"text":"One of the things, when I have a look at how the performance has gone over the last twelve months there so sorry.","start":417.215,"end":423.715,"sentiment":"neutral","sentiment_score":0.15159387708358144},{"text":"After fees, you're up by 8.43%, which is not bad in any way, shape, or form.","start":424.415,"end":429.055,"sentiment":"neutral","sentiment_score":0.302409908734262},{"text":"It's actually quite a good return given the sort of balance that you do have.","start":429.055,"end":433.0,"sentiment":"positive","sentiment_score":0.5458195328712463},{"text":"And when we I know some people do prefer a dollar figure as opposed to a percentage.","start":433.0,"end":437.25998,"sentiment":"neutral","sentiment_score":0.1874550445114865},{"text":"So the return is a dollar figure after fees.","start":437.47998,"end":440.12,"sentiment":"neutral","sentiment_score":0.31388333936532337}],"sentiment":"neutral","sentiment_score":0.2815524564590305,"channel":0,"num_words":80,"start":417.215,"end":440.12},{"sentences":[{"text":"It means that your super is growing by $13,968.01.","start":440.12,"end":445.16,"sentiment":"positive","sentiment_score":0.5151890913645426},{"text":"That's the growth plus the income in the in the fund for the last twelve months, which is quite good.","start":445.16,"end":450.465,"sentiment":"positive","sentiment_score":0.5312736019492149},{"text":"One of the things I would like to sort of look at is having a look at the underlying performance.","start":451.405,"end":456.785,"sentiment":"neutral","sentiment_score":0.3281564861536026},{"text":"So that is essentially what your whole portfolio has done, which is a positive sign you're up, and it's really good for the year.","start":456.845,"end":462.88998,"sentiment":"positive","sentiment_score":0.6485691492756208},{"text":"I'm just also having a look at the portfolio you're in as well.","start":463.19,"end":466.65,"sentiment":"neutral","sentiment_score":0.17525318780770668}],"sentiment":"positive","sentiment_score":0.4612704024238642,"channel":0,"num_words":86,"start":440.12,"end":466.65},{"sentences":[{"text":"So sorry.","start":467.43,"end":467.99,"sentiment":"neutral","sentiment_score":-0.09777763113379478},{"text":"My computer is a little bit slow this morning.","start":467.99,"end":470.15,"sentiment":"neutral","sentiment_score":-0.19685222705205283},{"text":"I do apologize.","start":470.15,"end":470.97,"sentiment":"neutral","sentiment_score":-0.10554879407087962},{"text":"Sorry.","start":479.76498,"end":480.16498,"sentiment":"neutral","sentiment_score":-0.07354401051998138},{"text":"One moment.","start":480.16498,"end":480.805,"sentiment":"neutral","sentiment_score":-0.03377727046608925}],"sentiment":"neutral","sentiment_score":-0.1426453082000508,"channel":0,"num_words":17,"start":467.43,"end":480.805},{"sentences":[{"text":"My computer is just spinning.","start":480.805,"end":482.345,"sentiment":"neutral","sentiment_score":0.25660641193389894},{"text":"I love technology when it wants to work.","start":482.88498,"end":485.145,"sentiment":"positive","sentiment_score":0.707570917904377}],"sentiment":"positive","sentiment_score":0.5341230309926547,"channel":0,"num_words":13,"start":480.805,"end":485.145},{"sentences":[{"text":"Yes.","start":486.53,"end":487.03,"sentiment":"positive","sentiment_score":0.3743051290512085}],"sentiment":"positive","sentiment_score":0.3743051290512085,"channel":1,"num_words":1,"start":486.53,"end":487.03},{"sentences":[{"text":"So having a look at things at the moment, it looks like we have sort of reduced your risk in the last couple of years.","start":487.56,"end":492.03998,"sentiment":"positive","sentiment_score":0.4250609624385834},{"text":"It looks like you may be in more of a balanced growth sort of portfolio at the moment.","start":492.03998,"end":496.37997,"sentiment":"positive","sentiment_score":0.5084743036164178},{"text":"When I have a look at all the underlying investments that you have in your portfolio there, your everything is doing really well.","start":497.0,"end":503.615,"sentiment":"positive","sentiment_score":0.4437354841957922},{"text":"Everything has shown a positive return, but just a couple of options there.","start":503.615,"end":507.395,"sentiment":"positive","sentiment_score":0.5675132251702822},{"text":"Your cybersecurity is down just a little bit.","start":507.775,"end":510.335,"sentiment":"neutral","sentiment_score":-0.07233465556055307}],"sentiment":"positive","sentiment_score":0.42280427983094904,"channel":0,"num_words":87,"start":487.56,"end":510.335},{"sentences":[{"text":"That's just due to it being a bit more volatile, but your cybersecurity was added into the portfolio as more of a satellite investment.","start":510.335,"end":518.10004,"sentiment":"neutral","sentiment_score":0.019100630035003025},{"text":"So it's one of the ones there that we do expect to have a bit more in the way of fluctuations because it is more of a niche.","start":518.24005,"end":524.48004,"sentiment":"neutral","sentiment_score":0.10414512003106731},{"text":"It's more of a it's a theme sort of investment option.","start":524.48004,"end":527.12006,"sentiment":"neutral","sentiment_score":0.13231023942882364},{"text":"We're looking at global cybersecurity, and it's you have a smaller amount of that in your portfolio.","start":527.12006,"end":532.91504,"sentiment":"neutral","sentiment_score":0.16808553785085678},{"text":"So we're aiming to kinda get greater potential benefits.","start":533.055,"end":535.635,"sentiment":"positive","sentiment_score":0.4383581876754761}],"sentiment":"neutral","sentiment_score":0.13070302188731311,"channel":0,"num_words":89,"start":510.335,"end":535.635},{"sentences":[{"text":"So I'm not in any way, shape, or form worried about the cybersecurity side of things at the moment.","start":535.695,"end":540.675,"sentiment":"neutral","sentiment_score":-0.13678311419330144},{"text":"It just had a little bit of a dip.","start":541.135,"end":542.7,"sentiment":"neutral","sentiment_score":-0.13519803848531511},{"text":"The investment that I am a little bit concerned about is your Bennelong Australian Equities.","start":542.94,"end":547.02,"sentiment":"neutral","sentiment_score":-0.014559293705193948},{"text":"So you do have a fair chunk of your portfolio in that Bennelong Australian Equities component, and it's not your only exposure into Australian Equities within this portfolio.","start":547.02,"end":556.32,"sentiment":"neutral","sentiment_score":0.038388848171702454},{"text":"So all your other Australian exposure has done really, really well, but Bennelong has seen a bit of a dip.","start":556.54004,"end":562.965,"sentiment":"neutral","sentiment_score":0.012781021744012832}],"sentiment":"neutral","sentiment_score":-0.029709260856379642,"channel":0,"num_words":91,"start":535.695,"end":562.965},{"sentences":[{"text":"And in your portfolio, it's down by about 15% there.","start":563.10504,"end":566.54504,"sentiment":"neutral","sentiment_score":-0.08342772610485553},{"text":"So it is quite significantly down.","start":566.54504,"end":569.025,"sentiment":"neutral","sentiment_score":-0.1341817540427049},{"text":"I feel like it has maybe you made a little bit of an impact to your overall return for this year, and that is down because of what's happened with one of the underlying investors.","start":569.025,"end":577.61005,"sentiment":"neutral","sentiment_score":0.08693547270127705},{"text":"I'm not sure if you follow the news a great deal with regard to the markets.","start":577.61005,"end":581.77,"sentiment":"neutral","sentiment_score":-0.051366224652156234},{"text":"Do you sort of have a look at things very often?","start":581.77,"end":583.95,"sentiment":"neutral","sentiment_score":-0.032108322124589576}],"sentiment":"neutral","sentiment_score":0.0029272130953195766,"channel":0,"num_words":78,"start":563.10504,"end":583.95},{"sentences":[{"text":"A little bit, but, you know, I'd I'd like to do a lot more.","start":585.45496,"end":589.295,"sentiment":"neutral","sentiment_score":-0.10717174304383141},{"text":"I just","start":589.295,"end":590.035,"sentiment":"neutral","sentiment_score":-0.053497664630413055}],"sentiment":"neutral","sentiment_score":-0.10046248324215412,"channel":1,"num_words":16,"start":585.45496,"end":590.035},{"sentences":[{"text":"Yeah.","start":590.065,"end":590.565,"sentiment":"neutral","sentiment_score":-0.04159867763519287}],"sentiment":"neutral","sentiment_score":-0.04159867763519287,"channel":0,"num_words":1,"start":590.065,"end":590.565},{"sentences":[{"text":"probably","start":590.89496,"end":591.21497,"sentiment":"neutral","sentiment_score":-0.08453390747308731}],"sentiment":"neutral","sentiment_score":-0.08453390747308731,"channel":1,"num_words":1,"start":590.89496,"end":591.21497},{"sentences":[{"text":"Yep.","start":591.025,"end":591.525,"sentiment":"neutral","sentiment_score":-0.08943510055541992}],"sentiment":"neutral","sentiment_score":-0.08943510055541992,"channel":0,"num_words":1,"start":591.025,"end":591.525},{"sentences":[{"text":"don't get enough to do yeah.","start":591.21497,"end":597.2,"sentiment":"neutral","sentiment_score":-0.19724349801739058},{"text":"I want to learn a bit more about it, but yeah.","start":597.2,"end":601.12,"sentiment":"neutral","sentiment_score":0.043225588954307816}],"sentiment":"neutral","sentiment_score":-0.041645853506291616,"channel":1,"num_words":17,"start":591.21497,"end":601.12},{"sentences":[{"text":"Yeah.","start":600.87994,"end":601.37994,"sentiment":"neutral","sentiment_score":-0.03675338625907898}],"sentiment":"neutral","sentiment_score":-0.03675338625907898,"channel":0,"num_words":1,"start":600.87994,"end":601.37994},{"sentences":[{"text":"Not enough.","start":601.12,"end":601.86,"sentiment":"neutral","sentiment_score":-0.2479802966117859}],"sentiment":"neutral","sentiment_score":-0.2479802966117859,"channel":1,"num_words":2,"start":601.12,"end":601.86},{"sentences":[{"text":"No.","start":601.92,"end":602.42,"sentiment":"neutral","sentiment_score":-0.21136367321014404},{"text":"That's okay.","start":602.56,"end":603.27997,"sentiment":"neutral","sentiment_score":-0.006355376914143562},{"text":"That's not a problem at all.","start":603.27997,"end":604.31995,"sentiment":"neutral","sentiment_score":0.23732638110717139},{"text":"And that's why I'm here for as well.","start":604.31995,"end":605.83997,"sentiment":"neutral","sentiment_score":0.23154980316758156},{"text":"Part of what I love is the educational value towards what we do.","start":605.83997,"end":609.44,"sentiment":"positive","sentiment_score":0.5441290392325475}],"sentiment":"positive","sentiment_score":0.3375319931656122,"channel":0,"num_words":30,"start":601.92,"end":609.44},{"sentences":[{"text":"So, essentially, to give you a bit of an overview, Bennelong had one of their underlying investments, Corporate Traveler.","start":609.44,"end":616.255,"sentiment":"neutral","sentiment_score":0.04320823773741722},{"text":"And late last year, Corporate Traveler had a bit of an issue.","start":616.39496,"end":618.95496,"sentiment":"neutral","sentiment_score":-0.16524751919011274},{"text":"They were being a bit dishonest to the market.","start":618.95496,"end":620.71497,"sentiment":"negative","sentiment_score":-0.4872172110610538},{"text":"They weren't accounting properly.","start":620.71497,"end":622.815,"sentiment":"negative","sentiment_score":-0.38679347932338715},{"text":"So that came out when they had to report.","start":622.95496,"end":625.45496,"sentiment":"neutral","sentiment_score":-0.21519545217355093}],"sentiment":"neutral","sentiment_score":-0.17039436980519654,"channel":0,"num_words":53,"start":609.44,"end":625.45496},{"sentences":[{"text":"Bennelong had to go back and reevaluate that portion of their investments, and it meant that everyone has now gone back and reevaluated Bennelong as well.","start":625.77,"end":633.69,"sentiment":"neutral","sentiment_score":-0.1506111521560412},{"text":"So our investment committee early this year have met to decide they no longer want to hold Bennelong in the portfolios.","start":633.69,"end":639.71,"sentiment":"neutral","sentiment_score":-0.2586062259617306},{"text":"We do feel it is really important to move everybody out of that one.","start":640.33496,"end":643.875,"sentiment":"negative","sentiment_score":-0.3679263506616865},{"text":"So I would like to, as part of the advice, update the strategy for you, have a look at removing that and putting something else in its place.","start":644.33496,"end":651.475,"sentiment":"neutral","sentiment_score":-0.014902917801269464},{"text":"We can look at more of a Bennelong was placed in your portfolio as more of an actively managed strategy.","start":651.77496,"end":657.37,"sentiment":"neutral","sentiment_score":0.05662521896883845}],"sentiment":"neutral","sentiment_score":-0.12644373329886055,"channel":0,"num_words":109,"start":625.77,"end":657.37},{"sentences":[{"text":"However, Bennelong don't do a great deal of active management under the back.","start":657.43,"end":661.67,"sentiment":"neutral","sentiment_score":-0.24082728016834992},{"text":"They haven't actually replaced many of their investments over the last couple of years since COVID, basically.","start":661.67,"end":667.05,"sentiment":"neutral","sentiment_score":-0.17450277025208755},{"text":"They kinda hold strong on the investments as they believe in the in the fund there, and it has sort of caused them to underperform a little bit, which is a bit concerning.","start":667.635,"end":675.655,"sentiment":"neutral","sentiment_score":-0.24595030668106946},{"text":"You're obviously working hard for your retirement, so we wanna make sure the portfolios are working hard for you too.","start":676.03503,"end":681.575,"sentiment":"neutral","sentiment_score":0.20363706927746533},{"text":"So we can replace it with something that's a little bit more passively managed because you are older and something a bit more low cost, hopefully, reduce some of the fees within the fund for you and look at something that's got a greater past performance, which should hopefully benefit you a bit more in the future.","start":682.07996,"end":696.925,"sentiment":"positive","sentiment_score":0.3734041238040255}],"sentiment":"neutral","sentiment_score":0.07959367561021022,"channel":0,"num_words":140,"start":657.43,"end":696.925},{"sentences":[{"text":"Does that sound okay with you?","start":696.925,"end":698.785,"sentiment":"neutral","sentiment_score":0.21840096016724905}],"sentiment":"neutral","sentiment_score":0.21840096016724905,"channel":0,"num_words":6,"start":696.925,"end":698.785},{"sentences":[{"text":"Yeah.","start":700.065,"end":700.385,"sentiment":"neutral","sentiment_score":0.08890122175216675},{"text":"Yeah.","start":700.385,"end":700.785,"sentiment":"neutral","sentiment_score":0.08933976292610168},{"text":"Yeah.","start":700.785,"end":701.105,"sentiment":"neutral","sentiment_score":0.0952422171831131},{"text":"It","start":701.105,"end":701.345,"sentiment":"neutral","sentiment_score":0.08293166756629944}],"sentiment":"neutral","sentiment_score":0.08910371735692024,"channel":1,"num_words":4,"start":700.065,"end":701.345},{"sentences":[{"text":"Yeah.","start":701.245,"end":701.745,"sentiment":"neutral","sentiment_score":0.12103896588087082}],"sentiment":"neutral","sentiment_score":0.12103896588087082,"channel":0,"num_words":1,"start":701.245,"end":701.745},{"sentences":[{"text":"does.","start":701.345,"end":701.665,"sentiment":"neutral","sentiment_score":0.12435002624988556},{"text":"That's that's","start":701.665,"end":702.565,"sentiment":"neutral","sentiment_score":0.09516620635986328}],"sentiment":"neutral","sentiment_score":0.10489414632320404,"channel":1,"num_words":3,"start":701.345,"end":702.565},{"sentences":[{"text":"Yep.","start":702.925,"end":703.425,"sentiment":"neutral","sentiment_score":0.0960324853658676}],"sentiment":"neutral","sentiment_score":0.0960324853658676,"channel":0,"num_words":1,"start":702.925,"end":703.425},{"sentences":[{"text":"yeah.","start":703.745,"end":704.245,"sentiment":"neutral","sentiment_score":0.10080012679100037},{"text":"That's","start":704.705,"end":705.02496,"sentiment":"neutral","sentiment_score":0.109882652759552}],"sentiment":"neutral","sentiment_score":0.10534138977527618,"channel":1,"num_words":2,"start":703.745,"end":705.02496},{"sentences":[{"text":"Yep.","start":704.925,"end":705.425,"sentiment":"neutral","sentiment_score":0.099643275141716}],"sentiment":"neutral","sentiment_score":0.099643275141716,"channel":0,"num_words":1,"start":704.925,"end":705.425},{"sentences":[{"text":"what I need","start":705.02496,"end":705.58496,"sentiment":"neutral","sentiment_score":0.07933321098486583}],"sentiment":"neutral","sentiment_score":0.07933321098486583,"channel":1,"num_words":3,"start":705.02496,"end":705.58496},{"sentences":[{"text":"Perfect.","start":705.485,"end":705.985,"sentiment":"neutral","sentiment_score":0.17314927279949188}],"sentiment":"neutral","sentiment_score":0.17314927279949188,"channel":0,"num_words":1,"start":705.485,"end":705.985},{"sentences":[{"text":"on.","start":705.58496,"end":705.745,"sentiment":"neutral","sentiment_score":0.028613902628421783},{"text":"Because I I feel like","start":705.745,"end":707.02496,"sentiment":"neutral","sentiment_score":-0.049068228155374524}],"sentiment":"neutral","sentiment_score":-0.03612120635807514,"channel":1,"num_words":6,"start":705.58496,"end":707.02496},{"sentences":[{"text":"Yeah.","start":706.94,"end":707.44,"sentiment":"neutral","sentiment_score":-0.09624585509300232}],"sentiment":"neutral","sentiment_score":-0.09624585509300232,"channel":0,"num_words":1,"start":706.94,"end":707.44},{"sentences":[{"text":"I keep wondering whether I you should be doing something different or better or more","start":707.02496,"end":712.725,"sentiment":"neutral","sentiment_score":-0.1957891508936882}],"sentiment":"neutral","sentiment_score":-0.1957891508936882,"channel":1,"num_words":15,"start":707.02496,"end":712.725},{"sentences":[{"text":"Yep.","start":712.86,"end":713.36,"sentiment":"neutral","sentiment_score":-0.072588711977005}],"sentiment":"neutral","sentiment_score":-0.072588711977005,"channel":0,"num_words":1,"start":712.86,"end":713.36},{"sentences":[{"text":"to not knowing how much I'll need, of course, but obviously a lot more than I've","start":713.17004,"end":717.65,"sentiment":"neutral","sentiment_score":-0.20195078337565064}],"sentiment":"neutral","sentiment_score":-0.20195078337565064,"channel":1,"num_words":16,"start":713.17004,"end":717.65},{"sentences":[{"text":"Of","start":717.58,"end":717.74,"sentiment":"neutral","sentiment_score":-0.09084323048591614}],"sentiment":"neutral","sentiment_score":-0.09084323048591614,"channel":0,"num_words":1,"start":717.58,"end":717.74},{"sentences":[{"text":"got.","start":717.65,"end":717.97003,"sentiment":"neutral","sentiment_score":-0.0782618299126625}],"sentiment":"neutral","sentiment_score":-0.0782618299126625,"channel":1,"num_words":1,"start":717.65,"end":717.97003},{"sentences":[{"text":"course.","start":717.74,"end":718.24,"sentiment":"neutral","sentiment_score":-0.03660324215888977}],"sentiment":"neutral","sentiment_score":-0.03660324215888977,"channel":0,"num_words":1,"start":717.74,"end":718.24},{"sentences":[{"text":"So","start":717.97003,"end":718.47003,"sentiment":"neutral","sentiment_score":-0.021793998777866364}],"sentiment":"neutral","sentiment_score":-0.021793998777866364,"channel":1,"num_words":1,"start":717.97003,"end":718.47003},{"sentences":[{"text":"Yeah.","start":718.955,"end":719.455,"sentiment":"neutral","sentiment_score":0.00028683803975582123}],"sentiment":"neutral","sentiment_score":0.00028683803975582123,"channel":0,"num_words":1,"start":718.955,"end":719.455},{"sentences":[{"text":"yeah.","start":719.5,"end":720.0,"sentiment":"neutral","sentiment_score":0.05341801792383194}],"sentiment":"neutral","sentiment_score":0.05341801792383194,"channel":1,"num_words":1,"start":719.5,"end":720.0},{"sentences":[{"text":"Absolutely.","start":719.59503,"end":720.09503,"sentiment":"neutral","sentiment_score":0.21847335994243625},{"text":"Definitely.","start":720.715,"end":721.215,"sentiment":"neutral","sentiment_score":0.11387549340724944},{"text":"And would you know what age you would like to maybe stop working?","start":721.275,"end":725.355,"sentiment":"neutral","sentiment_score":-0.09562926997358982},{"text":"What age are you sort of hoping for the full retirement aspect?","start":725.355,"end":729.215,"sentiment":"neutral","sentiment_score":-0.06473356174925964}],"sentiment":"neutral","sentiment_score":-0.06250497767770732,"channel":0,"num_words":27,"start":719.59503,"end":729.215},{"sentences":[{"text":"Now would be good,","start":730.135,"end":731.09503,"sentiment":"neutral","sentiment_score":-0.1118616219609976}],"sentiment":"neutral","sentiment_score":-0.1118616219609976,"channel":1,"num_words":4,"start":730.135,"end":731.09503},{"sentences":[{"text":"No.","start":731.05005,"end":731.55005,"sentiment":"neutral","sentiment_score":-0.3186700642108917}],"sentiment":"neutral","sentiment_score":-0.3186700642108917,"channel":0,"num_words":1,"start":731.05005,"end":731.55005},{"sentences":[{"text":"but","start":731.09503,"end":731.59503,"sentiment":"negative","sentiment_score":-0.3515035808086395}],"sentiment":"negative","sentiment_score":-0.3515035808086395,"channel":1,"num_words":1,"start":731.09503,"end":731.59503},{"sentences":[{"text":"Yep.","start":732.57,"end":733.07,"sentiment":"negative","sentiment_score":-0.34350281953811646}],"sentiment":"negative","sentiment_score":-0.34350281953811646,"channel":0,"num_words":1,"start":732.57,"end":733.07},{"sentences":[{"text":"that ain't gonna happen.","start":733.815,"end":734.875,"sentiment":"negative","sentiment_score":-0.5256685614585876}],"sentiment":"negative","sentiment_score":-0.5256685614585876,"channel":1,"num_words":4,"start":733.815,"end":734.875},{"sentences":[{"text":"No.","start":735.61005,"end":736.09,"sentiment":"neutral","sentiment_score":-0.2588854432106018},{"text":"Understandable.","start":736.09,"end":736.59,"sentiment":"neutral","sentiment_score":-0.23342791199684143}],"sentiment":"neutral","sentiment_score":-0.24615667760372162,"channel":0,"num_words":2,"start":735.61005,"end":736.59},{"sentences":[{"text":"Yeah.","start":738.135,"end":738.635,"sentiment":"neutral","sentiment_score":-0.12701216340065002},{"text":"Well, I don't yeah.","start":738.855,"end":741.12,"sentiment":"neutral","sentiment_score":-0.1993725225329399},{"text":"As soon as possible, but, yeah, as much as I gotta do, I've gotta take down, I guess.","start":741.12,"end":745.7,"sentiment":"neutral","sentiment_score":-0.2601950706707107}],"sentiment":"neutral","sentiment_score":-0.2438266750263131,"channel":1,"num_words":23,"start":738.135,"end":745.7},{"sentences":[{"text":"Okay.","start":746.26495,"end":746.665,"sentiment":"neutral","sentiment_score":-0.0904565304517746},{"text":"No.","start":746.665,"end":746.82495,"sentiment":"neutral","sentiment_score":-0.1909382939338684},{"text":"That's understandable.","start":746.82495,"end":747.565,"sentiment":"neutral","sentiment_score":-0.16990992426872253},{"text":"Well,","start":748.505,"end":748.82495,"sentiment":"neutral","sentiment_score":-0.035339243710041046}],"sentiment":"neutral","sentiment_score":-0.13131078332662582,"channel":0,"num_words":5,"start":746.26495,"end":748.82495},{"sentences":[{"text":"And because","start":748.56,"end":749.3,"sentiment":"neutral","sentiment_score":-0.017156217247247696}],"sentiment":"neutral","sentiment_score":-0.017156217247247696,"channel":1,"num_words":2,"start":748.56,"end":749.3},{"sentences":[{"text":"I mean, how do you you're right.","start":748.82495,"end":750.185,"sentiment":"neutral","sentiment_score":-0.012515682461006301},{"text":"So sorry.","start":750.185,"end":750.925,"sentiment":"neutral","sentiment_score":-0.17943120002746582}],"sentiment":"neutral","sentiment_score":-0.0496080196979973,"channel":0,"num_words":9,"start":748.82495,"end":750.925},{"sentences":[{"text":"oh, it's alright.","start":751.44,"end":752.32,"sentiment":"neutral","sentiment_score":-0.13141630093256632},{"text":"Because I I don't I don't do a lot of work and stuff like midweek stuff online,","start":752.32,"end":760.49506,"sentiment":"neutral","sentiment_score":-0.21307869430850535}],"sentiment":"neutral","sentiment_score":-0.2008293353021145,"channel":1,"num_words":20,"start":751.44,"end":760.49506},{"sentences":[{"text":"Mhmm.","start":761.17,"end":761.67,"sentiment":"neutral","sentiment_score":-0.09703359007835388}],"sentiment":"neutral","sentiment_score":-0.09703359007835388,"channel":0,"num_words":1,"start":761.17,"end":761.67},{"sentences":[{"text":"casual, and do the weekends and stuff.","start":761.43506,"end":763.275,"sentiment":"neutral","sentiment_score":-0.15641604044607707},{"text":"So I do miss out on a fair bit of super, I would say.","start":763.275,"end":767.05505,"sentiment":"negative","sentiment_score":-0.35528125933238436}],"sentiment":"neutral","sentiment_score":-0.2889928530369486,"channel":1,"num_words":21,"start":761.43506,"end":767.05505},{"sentences":[{"text":"Yes.","start":767.66504,"end":768.16504,"sentiment":"neutral","sentiment_score":-0.15279877185821533}],"sentiment":"neutral","sentiment_score":-0.15279877185821533,"channel":0,"num_words":1,"start":767.66504,"end":768.16504},{"sentences":[{"text":"So so, yeah, that's why I'm probably struggling a bit to get that account a bit more.","start":768.04004,"end":776.54004,"sentiment":"neutral","sentiment_score":-0.3105572576031965}],"sentiment":"neutral","sentiment_score":-0.3105572576031965,"channel":1,"num_words":17,"start":768.04004,"end":776.54004},{"sentences":[{"text":"Yeah.","start":777.10504,"end":777.60504,"sentiment":"neutral","sentiment_score":-0.03026309423148632},{"text":"Absolutely.","start":777.905,"end":778.405,"sentiment":"neutral","sentiment_score":0.04886792227625847}],"sentiment":"neutral","sentiment_score":0.009302414022386074,"channel":0,"num_words":2,"start":777.10504,"end":778.405},{"sentences":[{"text":"This last three weeks, I've done been doing a bit extra because the the last three weeks, I have been doing a bit extra, but","start":778.52,"end":788.945,"sentiment":"neutral","sentiment_score":-0.018082129955291747}],"sentiment":"neutral","sentiment_score":-0.018082129955291747,"channel":1,"num_words":25,"start":778.52,"end":788.945},{"sentences":[{"text":"Okay.","start":789.35,"end":789.85,"sentiment":"neutral","sentiment_score":0.04853271320462227}],"sentiment":"neutral","sentiment_score":0.04853271320462227,"channel":0,"num_words":1,"start":789.35,"end":789.85},{"sentences":[{"text":"I'm just trying to find a a nice balance,","start":791.165,"end":793.665,"sentiment":"neutral","sentiment_score":0.10727327151430978}],"sentiment":"neutral","sentiment_score":0.10727327151430978,"channel":1,"num_words":9,"start":791.165,"end":793.665},{"sentences":[{"text":"Yeah.","start":794.965,"end":795.28503,"sentiment":"neutral","sentiment_score":0.07671862840652466},{"text":"Of course.","start":795.28503,"end":795.945,"sentiment":"neutral","sentiment_score":0.06436938233673573}],"sentiment":"neutral","sentiment_score":0.06848579769333203,"channel":0,"num_words":3,"start":794.965,"end":795.945},{"sentences":[{"text":"work","start":796.41003,"end":796.57,"sentiment":"neutral","sentiment_score":0.03686695918440819}],"sentiment":"neutral","sentiment_score":0.03686695918440819,"channel":1,"num_words":1,"start":796.41003,"end":796.57},{"sentences":[{"text":"Yeah.","start":796.485,"end":796.985,"sentiment":"neutral","sentiment_score":0.04141391068696976}],"sentiment":"neutral","sentiment_score":0.04141391068696976,"channel":0,"num_words":1,"start":796.485,"end":796.985},{"sentences":[{"text":"life balance sort of in there.","start":796.57,"end":798.17,"sentiment":"neutral","sentiment_score":0.01946150076886018},{"text":"It's","start":798.17,"end":798.65,"sentiment":"neutral","sentiment_score":0.03293190896511078}],"sentiment":"neutral","sentiment_score":0.02138584479689598,"channel":1,"num_words":7,"start":796.57,"end":798.65},{"sentences":[{"text":"Yep.","start":798.565,"end":799.065,"sentiment":"neutral","sentiment_score":0.01764613389968872}],"sentiment":"neutral","sentiment_score":0.01764613389968872,"channel":0,"num_words":1,"start":798.565,"end":799.065},{"sentences":[{"text":"it it in one way, it does affecting in other ways with my super and stuff.","start":798.89,"end":805.13,"sentiment":"neutral","sentiment_score":-0.04575490951538086},{"text":"So it's a","start":805.13,"end":805.93,"sentiment":"neutral","sentiment_score":0.012669326892743507}],"sentiment":"neutral","sentiment_score":-0.036530030082519115,"channel":1,"num_words":19,"start":798.89,"end":805.93},{"sentences":[{"text":"Yeah.","start":806.34,"end":806.84,"sentiment":"neutral","sentiment_score":0.03734981268644333}],"sentiment":"neutral","sentiment_score":0.03734981268644333,"channel":0,"num_words":1,"start":806.34,"end":806.84},{"sentences":[{"text":"yeah.","start":806.81,"end":807.31,"sentiment":"neutral","sentiment_score":0.08857602626085281}],"sentiment":"neutral","sentiment_score":0.08857602626085281,"channel":1,"num_words":1,"start":806.81,"end":807.31},{"sentences":[{"text":"Absolutely.","start":807.14,"end":807.64,"sentiment":"neutral","sentiment_score":0.2967000901699066},{"text":"Well, one of the really good strategies that we do have access to now, and I'm more than happy to go back and have a good look to see if this is gonna help or provide some benefit for you, is what's called a transition retirement strategy.","start":808.5,"end":819.575,"sentiment":"positive","sentiment_score":0.4625317435315315},{"text":"Have you heard of this before?","start":819.575,"end":820.955,"sentiment":"neutral","sentiment_score":0.09447259704271953}],"sentiment":"positive","sentiment_score":0.4185653262668186,"channel":0,"num_words":54,"start":807.14,"end":820.955},{"sentences":[{"text":"Yeah.","start":822.2,"end":822.52,"sentiment":"neutral","sentiment_score":0.1337536871433258},{"text":"Yeah.","start":822.52,"end":822.76,"sentiment":"neutral","sentiment_score":0.15487851202487946},{"text":"I have it.","start":822.76,"end":823.08,"sentiment":"neutral","sentiment_score":0.1981647660334905},{"text":"I have it.","start":823.08,"end":824.07,"sentiment":"neutral","sentiment_score":0.25101712842782337}],"sentiment":"neutral","sentiment_score":0.20452223531901836,"channel":1,"num_words":8,"start":822.2,"end":824.07},{"sentences":[{"text":"Yeah.","start":823.575,"end":824.075,"sentiment":"neutral","sentiment_score":0.309749960899353},{"text":"Perfect.","start":825.09503,"end":825.59503,"sentiment":"positive","sentiment_score":0.497085303068161},{"text":"So, essentially, that's where I would have a look at what you're earning, what your take home pay looks like.","start":825.655,"end":830.07,"sentiment":"neutral","sentiment_score":0.2119519107043743},{"text":"If you're wanting to sort of keep your take home pay at the same level, we can look at maybe maximizing contributions in the super as much as possible.","start":830.07,"end":837.77,"sentiment":"neutral","sentiment_score":0.25812974623565016},{"text":"It does mean that we are then moving some money into what's called a an account based transition retirement pension account.","start":838.23004,"end":845.295,"sentiment":"neutral","sentiment_score":0.23673827378522783}],"sentiment":"neutral","sentiment_score":0.2430991648385922,"channel":0,"num_words":72,"start":823.575,"end":845.295},{"sentences":[{"text":"So you would have your super account and the secondary pension account.","start":845.295,"end":848.675,"sentiment":"neutral","sentiment_score":0.2639651956657569},{"text":"Because you're increasing your contributions in the super as much as we possibly can to benefit you, it does sort of mean that your take home pay reduces.","start":848.895,"end":857.235,"sentiment":"positive","sentiment_score":0.40626995850886616},{"text":"So if you're wanting to keep the same take home pay, we can then start to reduce some money out of super.","start":857.4,"end":863.48004,"sentiment":"neutral","sentiment_score":0.2003567096861926},{"text":"So you put more in.","start":863.48004,"end":864.94,"sentiment":"neutral","sentiment_score":0.2729482173919678},{"text":"You have the two accounts, and we replenish your income with some money from super.","start":865.0,"end":869.9,"sentiment":"positive","sentiment_score":0.4046771268049876}],"sentiment":"neutral","sentiment_score":0.32177910717522223,"channel":0,"num_words":82,"start":845.295,"end":869.9},{"sentences":[{"text":"You actually end up putting in more than you're taking out because the tax inside super is less than your marginal tax rate normally.","start":869.96,"end":876.265,"sentiment":"positive","sentiment_score":0.40342713706195354},{"text":"But you get to pay have the same take home pay.","start":877.04504,"end":879.685,"sentiment":"positive","sentiment_score":0.42297625270756806},{"text":"The amount you're drawing out of super is completely tax free.","start":879.685,"end":883.04504,"sentiment":"positive","sentiment_score":0.5959541770544919},{"text":"So it helps to give you a benefit of reducing the amount of income tax you might pay on your income, but the main benefit is of putting more money into SOFA, into that tax effective environment so it's invested for you long term.","start":883.04504,"end":895.54,"sentiment":"positive","sentiment_score":0.5809898288412527},{"text":"Are you open to me doing a little bit of research around that and maybe coming up with a strategy that might help","start":895.92,"end":901.2,"sentiment":"neutral","sentiment_score":0.19886570294266162}],"sentiment":"positive","sentiment_score":0.4515747756952733,"channel":0,"num_words":113,"start":869.96,"end":901.2},{"sentences":[{"text":"Yep.","start":901.195,"end":901.695,"sentiment":"neutral","sentiment_score":0.1016983836889267}],"sentiment":"neutral","sentiment_score":0.1016983836889267,"channel":1,"num_words":1,"start":901.195,"end":901.695},{"sentences":[{"text":"you?","start":901.2,"end":901.7,"sentiment":"neutral","sentiment_score":0.061222657561302185}],"sentiment":"neutral","sentiment_score":0.061222657561302185,"channel":0,"num_words":1,"start":901.2,"end":901.7},{"sentences":[{"text":"Yeah.","start":902.475,"end":902.875,"sentiment":"neutral","sentiment_score":0.024174176156520844},{"text":"Yeah.","start":902.875,"end":903.115,"sentiment":"neutral","sentiment_score":0.017479848116636276},{"text":"I'm sorry.","start":903.115,"end":903.595,"sentiment":"neutral","sentiment_score":-0.04511169623583555},{"text":"I wanna","start":903.595,"end":903.745,"sentiment":"neutral","sentiment_score":-0.05808334983885288}],"sentiment":"neutral","sentiment_score":-0.027456011312703293,"channel":1,"num_words":6,"start":902.475,"end":903.745},{"sentences":[{"text":"Yeah.","start":903.70496,"end":904.20496,"sentiment":"neutral","sentiment_score":-0.017409304156899452}],"sentiment":"neutral","sentiment_score":-0.017409304156899452,"channel":0,"num_words":1,"start":903.70496,"end":904.20496},{"sentences":[{"text":"yeah.","start":903.995,"end":904.495,"sentiment":"neutral","sentiment_score":-0.0009657926857471466}],"sentiment":"neutral","sentiment_score":-0.0009657926857471466,"channel":1,"num_words":1,"start":903.995,"end":904.495},{"sentences":[{"text":"Yeah.","start":904.345,"end":904.845,"sentiment":"neutral","sentiment_score":0.04647392779588699}],"sentiment":"neutral","sentiment_score":0.04647392779588699,"channel":0,"num_words":1,"start":904.345,"end":904.845},{"sentences":[{"text":"Yeah.","start":904.635,"end":905.135,"sentiment":"neutral","sentiment_score":0.16674669086933136}],"sentiment":"neutral","sentiment_score":0.16674669086933136,"channel":1,"num_words":1,"start":904.635,"end":905.135},{"sentences":[{"text":"Perfect.","start":904.985,"end":905.485,"sentiment":"positive","sentiment_score":0.5791088938713074},{"text":"Excellent.","start":905.865,"end":906.365,"sentiment":"positive","sentiment_score":0.5882061719894409},{"text":"If you want, what I can also do is I know you are in Netwealth at the moment, and when you came on board, Netwealth was a great platform.","start":906.90497,"end":912.845,"sentiment":"neutral","sentiment_score":0.23236557764225993},{"text":"I will look at Netwealth as well as other platforms out there.","start":913.46497,"end":916.93,"sentiment":"neutral","sentiment_score":0.3024976427356402},{"text":"If there was something to be better that provided greater benefit, are you open to me altering or moving you to another platform for your super fund, or are you sorta happy to stay in Netwealth?","start":916.93,"end":927.26996,"sentiment":"neutral","sentiment_score":0.0976341317097346}],"sentiment":"neutral","sentiment_score":0.19051540850461285,"channel":0,"num_words":79,"start":904.985,"end":927.26996},{"sentences":[{"text":"What's your thoughts there?","start":927.33,"end":928.63,"sentiment":"neutral","sentiment_score":0.017301429994404316},{"text":"I'm sorry.","start":931.845,"end":932.40497,"sentiment":"neutral","sentiment_score":-0.137864887714386},{"text":"I'll ask all the questions you've probably never thought about.","start":932.40497,"end":934.82495,"sentiment":"neutral","sentiment_score":-0.1524134434759617}],"sentiment":"neutral","sentiment_score":-0.10816615563817322,"channel":0,"num_words":16,"start":927.33,"end":934.82495},{"sentences":[{"text":"You know, do you really","start":937.22,"end":938.42,"sentiment":"neutral","sentiment_score":-0.1301351845264435}],"sentiment":"neutral","sentiment_score":-0.1301351845264435,"channel":1,"num_words":5,"start":937.22,"end":938.42},{"sentences":[{"text":"Mhmm.","start":939.285,"end":939.785,"sentiment":"neutral","sentiment_score":-0.10756101459264757}],"sentiment":"neutral","sentiment_score":-0.10756101459264757,"channel":0,"num_words":1,"start":939.285,"end":939.785},{"sentences":[{"text":"I I was gonna be worried because I don't know well, I don't know.","start":940.57996,"end":946.74,"sentiment":"neutral","sentiment_score":-0.28758931372846874},{"text":"For me, it doesn't I don't know if it's secure enough or if there's a crash gonna happen, of course, you lose it all.","start":946.74,"end":952.815,"sentiment":"neutral","sentiment_score":-0.12076469922127823}],"sentiment":"neutral","sentiment_score":-0.18222639930287474,"channel":1,"num_words":38,"start":940.57996,"end":952.815},{"sentences":[{"text":"Yep.","start":953.555,"end":954.055,"sentiment":"neutral","sentiment_score":-0.01747756078839302}],"sentiment":"neutral","sentiment_score":-0.01747756078839302,"channel":0,"num_words":1,"start":953.555,"end":954.055},{"sentences":[{"text":"I don't know fully know how it all","start":954.075,"end":956.015,"sentiment":"neutral","sentiment_score":-0.07106570806354284}],"sentiment":"neutral","sentiment_score":-0.07106570806354284,"channel":1,"num_words":8,"start":954.075,"end":956.015},{"sentences":[{"text":"Yep.","start":956.515,"end":956.875,"sentiment":"neutral","sentiment_score":-0.011466190218925476}],"sentiment":"neutral","sentiment_score":-0.011466190218925476,"channel":0,"num_words":1,"start":956.515,"end":956.875},{"sentences":[{"text":"works,","start":956.635,"end":957.035,"sentiment":"neutral","sentiment_score":0.0017267297953367231}],"sentiment":"neutral","sentiment_score":0.0017267297953367231,"channel":1,"num_words":1,"start":956.635,"end":957.035},{"sentences":[{"text":"Yep.","start":956.875,"end":957.235,"sentiment":"neutral","sentiment_score":0.006050236523151398}],"sentiment":"neutral","sentiment_score":0.006050236523151398,"channel":0,"num_words":1,"start":956.875,"end":957.235},{"sentences":[{"text":"but","start":957.035,"end":957.275,"sentiment":"neutral","sentiment_score":0.000471457839012146}],"sentiment":"neutral","sentiment_score":0.000471457839012146,"channel":1,"num_words":1,"start":957.035,"end":957.275},{"sentences":[{"text":"Yep.","start":957.235,"end":957.735,"sentiment":"neutral","sentiment_score":0.013673758134245872}],"sentiment":"neutral","sentiment_score":0.013673758134245872,"channel":0,"num_words":1,"start":957.235,"end":957.735},{"sentences":[{"text":"I know I need every sort of thing I can get.","start":957.275,"end":960.875,"sentiment":"neutral","sentiment_score":0.0006610652939839797},{"text":"So","start":960.875,"end":961.035,"sentiment":"neutral","sentiment_score":0.05991595238447189}],"sentiment":"neutral","sentiment_score":0.005598972551524639,"channel":1,"num_words":12,"start":957.275,"end":961.035},{"sentences":[{"text":"Yep.","start":961.955,"end":962.03503,"sentiment":"neutral","sentiment_score":0.14583441615104675},{"text":"Absolutely.","start":962.03503,"end":962.53503,"sentiment":"neutral","sentiment_score":0.29160276055336},{"text":"Well, if if you like, I'll go and do the research for you on Netwealth as well as the other super fund options out there to see what's gonna provide greater benefits, sort of look at","start":962.915,"end":971.93,"sentiment":"neutral","sentiment_score":0.11301988611618678}],"sentiment":"neutral","sentiment_score":0.11858297570755608,"channel":0,"num_words":38,"start":961.955,"end":971.93},{"sentences":[{"text":"yeah.","start":971.82,"end":972.32,"sentiment":"neutral","sentiment_score":0.127121239900589}],"sentiment":"neutral","sentiment_score":0.127121239900589,"channel":1,"num_words":1,"start":971.82,"end":972.32},{"sentences":[{"text":"the fees for you as well.","start":971.93,"end":973.13,"sentiment":"neutral","sentiment_score":0.08820417150855064},{"text":"I'll also look at the CGT consequences because one of the big things to consider is that you have been invested in this platform for a while in the super fund, and you've got these underlying investments there, we wanna make sure that we're not gonna, you know, cause too much of a tax consequence.","start":973.13,"end":987.605,"sentiment":"neutral","sentiment_score":0.01876957431774248},{"text":"Because your fund still has to do tax returns, and they pay capital gains tax and income tax on the investments within the fund every year.","start":987.605,"end":994.805,"sentiment":"neutral","sentiment_score":-0.014081195641595583},{"text":"So I'll have a look at the super funds.","start":994.805,"end":997.87,"sentiment":"neutral","sentiment_score":0.03991494203607241},{"text":"I'll have a look at the investments.","start":997.87,"end":999.15,"sentiment":"neutral","sentiment_score":0.0452253060149295}],"sentiment":"neutral","sentiment_score":0.018167496604609836,"channel":0,"num_words":103,"start":971.93,"end":999.15},{"sentences":[{"text":"I'll look at the tax consequences for you, and I'll also look at that transfer time strategy to see if it's gonna provide benefit.","start":999.15,"end":1005.65,"sentiment":"neutral","sentiment_score":0.06391633007054527},{"text":"And then I can come back and update the advice strategy for you and show you what we're gonna do to help you out.","start":1006.02997,"end":1011.285,"sentiment":"neutral","sentiment_score":0.09165955738474925},{"text":"How does that sound?","start":1012.00494,"end":1013.065,"sentiment":"neutral","sentiment_score":0.0651183221489191}],"sentiment":"neutral","sentiment_score":0.07681335745236048,"channel":0,"num_words":52,"start":999.15,"end":1013.065},{"sentences":[{"text":"Yes.","start":1012.755,"end":1013.255,"sentiment":"neutral","sentiment_score":0.04860974848270416},{"text":"Okay.","start":1013.555,"end":1013.955,"sentiment":"neutral","sentiment_score":0.04056944698095322}],"sentiment":"neutral","sentiment_score":0.04458959773182869,"channel":1,"num_words":2,"start":1012.755,"end":1013.955},{"sentences":[{"text":"Yeah?","start":1013.685,"end":1014.185,"sentiment":"neutral","sentiment_score":0.04397109150886536}],"sentiment":"neutral","sentiment_score":0.04397109150886536,"channel":0,"num_words":1,"start":1013.685,"end":1014.185},{"sentences":[{"text":"Yeah.","start":1013.955,"end":1014.455,"sentiment":"neutral","sentiment_score":0.12868960201740265}],"sentiment":"neutral","sentiment_score":0.12868960201740265,"channel":1,"num_words":1,"start":1013.955,"end":1014.455},{"sentences":[{"text":"Beautiful.","start":1014.805,"end":1015.305,"sentiment":"positive","sentiment_score":0.3757731318473816},{"text":"I'll do a nice in-depth bit of research there for you, Darren.","start":1015.685,"end":1018.805,"sentiment":"neutral","sentiment_score":0.23063061386346817},{"text":"Now it does take me a little bit to put the research together.","start":1018.805,"end":1021.545,"sentiment":"neutral","sentiment_score":0.07682567290388621},{"text":"A lot of my clients are in that retirement sort of space, so I do do a lot of in-depth research there.","start":1022.165,"end":1026.57,"sentiment":"neutral","sentiment_score":0.05944282197478143},{"text":"But once I have that all ready to go, I'll come back, book you back in, and we'll go through that document together so you can see what we're recommending, why the advantages, the disadvantages, and the risks involved before you decide to take on the advice.","start":1026.57,"end":1038.9551,"sentiment":"neutral","sentiment_score":0.05393347096569995}],"sentiment":"neutral","sentiment_score":0.08404936278729062,"channel":0,"num_words":95,"start":1014.805,"end":1038.9551},{"sentences":[{"text":"Does that sound alright with you?","start":1038.9551,"end":1040.495,"sentiment":"neutral","sentiment_score":0.053788055976231895}],"sentiment":"neutral","sentiment_score":0.053788055976231895,"channel":0,"num_words":6,"start":1038.9551,"end":1040.495},{"sentences":[{"text":"Yeah.","start":1040.905,"end":1041.3049,"sentiment":"neutral","sentiment_score":0.05698670446872711},{"text":"Yeah.","start":1041.3049,"end":1041.8049,"sentiment":"neutral","sentiment_score":0.0741625502705574}],"sentiment":"neutral","sentiment_score":0.06557462736964226,"channel":1,"num_words":2,"start":1040.905,"end":1041.8049},{"sentences":[{"text":"Yep.","start":1041.915,"end":1042.415,"sentiment":"neutral","sentiment_score":0.15451127290725708},{"text":"Beautiful.","start":1042.715,"end":1043.215,"sentiment":"positive","sentiment_score":0.6097055673599243},{"text":"Lovely.","start":1043.435,"end":1043.915,"sentiment":"positive","sentiment_score":0.6652181148529053},{"text":"I've got some work to do.","start":1043.915,"end":1044.9551,"sentiment":"positive","sentiment_score":0.544216051697731},{"text":"I love it.","start":1044.9551,"end":1045.355,"sentiment":"positive","sentiment_score":0.7422513961791992}],"sentiment":"positive","sentiment_score":0.5767904544870058,"channel":0,"num_words":12,"start":1041.915,"end":1045.355},{"sentences":[{"text":"That's fantastic.","start":1045.355,"end":1046.095,"sentiment":"positive","sentiment_score":0.5201681554317474},{"text":"Now I know you don't not really sure exactly what age you'd like to realistically retire, but just so I have a bit of a goal to work on, do you think you'd be sort of working towards maybe 65, 66?","start":1047.275,"end":1058.24,"sentiment":"neutral","sentiment_score":0.031314760991712896},{"text":"Do you think you'd probably be able to start working or hopefully be able to start working around age pension age?","start":1058.24,"end":1063.5199,"sentiment":"neutral","sentiment_score":0.031668846894587786},{"text":"What's your sort of thoughts?","start":1063.5199,"end":1064.98,"sentiment":"neutral","sentiment_score":0.0018205047585070136}],"sentiment":"neutral","sentiment_score":0.04345492492902322,"channel":0,"num_words":69,"start":1045.355,"end":1064.98},{"sentences":[{"text":"Yeah.","start":1066.58,"end":1067.08,"sentiment":"neutral","sentiment_score":0.014200191013514996},{"text":"He's just well, it depends on on health and and","start":1070.285,"end":1076.785,"sentiment":"neutral","sentiment_score":0.0015381544828414913}],"sentiment":"neutral","sentiment_score":0.002689248712902719,"channel":1,"num_words":11,"start":1066.58,"end":1076.785},{"sentences":[{"text":"Health.","start":1077.285,"end":1077.785,"sentiment":"neutral","sentiment_score":-0.016105644404888153}],"sentiment":"neutral","sentiment_score":-0.016105644404888153,"channel":0,"num_words":1,"start":1077.285,"end":1077.785},{"sentences":[{"text":"and that's","start":1077.485,"end":1077.9651,"sentiment":"neutral","sentiment_score":-0.0187767306342721}],"sentiment":"neutral","sentiment_score":-0.0187767306342721,"channel":1,"num_words":2,"start":1077.485,"end":1077.9651},{"sentences":[{"text":"Yeah.","start":1077.845,"end":1078.345,"sentiment":"neutral","sentiment_score":-0.059581585228443146}],"sentiment":"neutral","sentiment_score":-0.059581585228443146,"channel":0,"num_words":1,"start":1077.845,"end":1078.345},{"sentences":[{"text":"why I'm working working less.","start":1077.9651,"end":1079.8251,"sentiment":"neutral","sentiment_score":-0.1401472344994545}],"sentiment":"neutral","sentiment_score":-0.1401472344994545,"channel":1,"num_words":5,"start":1077.9651,"end":1079.8251},{"sentences":[{"text":"Yeah.","start":1080.51,"end":1081.01,"sentiment":"neutral","sentiment_score":0.0046762339770793915}],"sentiment":"neutral","sentiment_score":0.0046762339770793915,"channel":0,"num_words":1,"start":1080.51,"end":1081.01},{"sentences":[{"text":"Yeah.","start":1081.02,"end":1081.52,"sentiment":"neutral","sentiment_score":0.00373007170855999},{"text":"65 would be good, but I","start":1083.26,"end":1085.28,"sentiment":"neutral","sentiment_score":0.02127352791527907}],"sentiment":"neutral","sentiment_score":0.018767319885747775,"channel":1,"num_words":7,"start":1081.02,"end":1085.28},{"sentences":[{"text":"Yep.","start":1085.23,"end":1085.73,"sentiment":"neutral","sentiment_score":0.01485661044716835}],"sentiment":"neutral","sentiment_score":0.01485661044716835,"channel":0,"num_words":1,"start":1085.23,"end":1085.73},{"sentences":[{"text":"yeah.","start":1087.3401,"end":1087.5801,"sentiment":"neutral","sentiment_score":-0.03732936084270477},{"text":"I'm probably not bad enough.","start":1087.5801,"end":1088.7001,"sentiment":"neutral","sentiment_score":-0.19433016180992127},{"text":"So, you know, I have to go a bit more.","start":1088.7001,"end":1090.8,"sentiment":"neutral","sentiment_score":-0.11685570403933525}],"sentiment":"neutral","sentiment_score":-0.13609607564285398,"channel":1,"num_words":16,"start":1087.3401,"end":1090.8},{"sentences":[{"text":"Yep.","start":1091.085,"end":1091.405,"sentiment":"neutral","sentiment_score":0.06953251361846924},{"text":"That's okay.","start":1091.405,"end":1092.125,"sentiment":"neutral","sentiment_score":0.15599901974201202},{"text":"Well, at the moment, if you're eligible too, you can also apply for the age pension at age 67.","start":1092.125,"end":1097.8049,"sentiment":"neutral","sentiment_score":0.13306038081645966},{"text":"You can actually apply thirteen weeks out from that.","start":1097.8049,"end":1100.465,"sentiment":"neutral","sentiment_score":0.15812464555104574},{"text":"Would you like me to work on I can look at what we expect around age 65, but then I can also look at age 67 for you.","start":1100.525,"end":1107.76,"sentiment":"neutral","sentiment_score":0.09329502776797328}],"sentiment":"neutral","sentiment_score":0.11771288773013373,"channel":0,"num_words":59,"start":1091.085,"end":1107.76},{"sentences":[{"text":"And I can also look to maybe factor in because you're already 60.","start":1107.76,"end":1111.28,"sentiment":"neutral","sentiment_score":0.0724059844819399},{"text":"We're only sort of working well, even at ten year mark.","start":1111.28,"end":1114.1001,"sentiment":"neutral","sentiment_score":0.09083169630982658},{"text":"I can have a look at maybe the eligibility for age pension there as well and see that with your super, what it might look like for you and how sort of longevity wise that might provide.","start":1114.48,"end":1125.1951,"sentiment":"neutral","sentiment_score":0.1348899781099848},{"text":"Does that","start":1125.1951,"end":1125.935,"sentiment":"neutral","sentiment_score":0.09085037931799889}],"sentiment":"neutral","sentiment_score":0.11290565724410707,"channel":0,"num_words":63,"start":1107.76,"end":1125.935},{"sentences":[{"text":"Yeah.","start":1125.825,"end":1126.325,"sentiment":"neutral","sentiment_score":0.11645688116550446}],"sentiment":"neutral","sentiment_score":0.11645688116550446,"channel":1,"num_words":1,"start":1125.825,"end":1126.325},{"sentences":[{"text":"sound okay?","start":1126.235,"end":1127.055,"sentiment":"neutral","sentiment_score":0.11834362894296646}],"sentiment":"neutral","sentiment_score":0.11834362894296646,"channel":0,"num_words":2,"start":1126.235,"end":1127.055},{"sentences":[{"text":"Yeah.","start":1127.985,"end":1128.485,"sentiment":"neutral","sentiment_score":0.09254281967878342}],"sentiment":"neutral","sentiment_score":0.09254281967878342,"channel":1,"num_words":1,"start":1127.985,"end":1128.485},{"sentences":[{"text":"Yeah.","start":1128.555,"end":1129.055,"sentiment":"neutral","sentiment_score":0.13346287608146667},{"text":"Yep.","start":1129.275,"end":1129.675,"sentiment":"neutral","sentiment_score":0.2412491738796234},{"text":"Perfect.","start":1129.675,"end":1130.175,"sentiment":"positive","sentiment_score":0.6037557125091553},{"text":"Lovely.","start":1132.76,"end":1133.26,"sentiment":"positive","sentiment_score":0.6016740798950195},{"text":"Okay.","start":1133.56,"end":1134.06,"sentiment":"positive","sentiment_score":0.37308287620544434}],"sentiment":"positive","sentiment_score":0.3906449437141418,"channel":0,"num_words":5,"start":1128.555,"end":1134.06},{"sentences":[{"text":"I will add that into the list of things.","start":1134.44,"end":1136.6,"sentiment":"neutral","sentiment_score":0.296591396133105},{"text":"That's perfect.","start":1136.6,"end":1137.42,"sentiment":"positive","sentiment_score":0.6352210640907288},{"text":"I will look at that for you.","start":1137.72,"end":1139.42,"sentiment":"positive","sentiment_score":0.3490384178502219},{"text":"Now the other thing to sorta consider is I know you're not really sure what kinda income you might need, but do you know roughly what sort of income are you on at the moment?","start":1139.72,"end":1148.095,"sentiment":"neutral","sentiment_score":0.009986485008682523},{"text":"Do you think you wanna keep a very similar income in retirement, or do you feel like there's a set amount that you would wanna cover for expenses?","start":1148.095,"end":1155.615,"sentiment":"neutral","sentiment_score":0.02117252828819411}],"sentiment":"neutral","sentiment_score":0.09043693068770715,"channel":0,"num_words":81,"start":1134.44,"end":1155.615},{"sentences":[{"text":"I know it's quite hard to sort of think about it.","start":1155.615,"end":1158.01,"sentiment":"neutral","sentiment_score":-0.08641512217846783},{"text":"But did you want me to work on your current income amount for, you know, living expenses and rent in retirement, or what's your thoughts with the income?","start":1158.01,"end":1165.55,"sentiment":"neutral","sentiment_score":0.01439963367634586}],"sentiment":"neutral","sentiment_score":-0.014035297462191338,"channel":0,"num_words":39,"start":1155.615,"end":1165.55},{"sentences":[{"text":"Well, yeah, they have to well, I I would say less just to keep me going a bit more, but","start":1167.085,"end":1174.78,"sentiment":"neutral","sentiment_score":-0.10730380304157734}],"sentiment":"neutral","sentiment_score":-0.10730380304157734,"channel":1,"num_words":20,"start":1167.085,"end":1174.78},{"sentences":[{"text":"Yep.","start":1175.545,"end":1176.045,"sentiment":"neutral","sentiment_score":-0.016838928684592247}],"sentiment":"neutral","sentiment_score":-0.016838928684592247,"channel":0,"num_words":1,"start":1175.545,"end":1176.045},{"sentences":[{"text":"it's on there.","start":1178.28,"end":1179.26,"sentiment":"neutral","sentiment_score":-0.026370008165637653},{"text":"It has to be less because I won't be doing as much in in","start":1179.4801,"end":1184.535,"sentiment":"neutral","sentiment_score":-0.16284365952014923}],"sentiment":"neutral","sentiment_score":-0.13876007398700013,"channel":1,"num_words":17,"start":1178.28,"end":1184.535},{"sentences":[{"text":"Yeah.","start":1184.52,"end":1185.02,"sentiment":"neutral","sentiment_score":0.0035172998905181885},{"text":"Yep.","start":1185.24,"end":1185.74,"sentiment":"neutral","sentiment_score":0.0702987015247345},{"text":"That's okay.","start":1187.0,"end":1187.9,"sentiment":"neutral","sentiment_score":0.16089708358049393},{"text":"How much rent are you paying at the moment on a weekly basis?","start":1188.04,"end":1191.18,"sentiment":"neutral","sentiment_score":0.027968535343041785}],"sentiment":"neutral","sentiment_score":0.04465888988445787,"channel":0,"num_words":17,"start":1184.52,"end":1191.18},{"sentences":[{"text":"that.","start":1191.715,"end":1192.215,"sentiment":"neutral","sentiment_score":-0.001396174542605877},{"text":"Well, that's at the moment, we haven't got a cheap setup, but I","start":1192.355,"end":1197.96,"sentiment":"neutral","sentiment_score":-0.05576228558157499}],"sentiment":"neutral","sentiment_score":-0.051878991935934336,"channel":1,"num_words":14,"start":1191.715,"end":1197.96},{"sentences":[{"text":"Yep.","start":1197.655,"end":1198.155,"sentiment":"neutral","sentiment_score":0.020881786942481995}],"sentiment":"neutral","sentiment_score":0.020881786942481995,"channel":0,"num_words":1,"start":1197.655,"end":1198.155},{"sentences":[{"text":"think it's gonna change and it'll probably change.","start":1198.0399,"end":1200.5399,"sentiment":"neutral","sentiment_score":-0.05295041063800454}],"sentiment":"neutral","sentiment_score":-0.05295041063800454,"channel":1,"num_words":8,"start":1198.0399,"end":1200.5399},{"sentences":[{"text":"Yep.","start":1201.175,"end":1201.675,"sentiment":"neutral","sentiment_score":0.01051401160657406}],"sentiment":"neutral","sentiment_score":0.01051401160657406,"channel":0,"num_words":1,"start":1201.175,"end":1201.675},{"sentences":[{"text":"At the moment, we're only paying $4.50.","start":1201.3999,"end":1203.4199,"sentiment":"neutral","sentiment_score":-0.04514131375721523},{"text":"But,","start":1204.2799,"end":1204.7799,"sentiment":"neutral","sentiment_score":-0.01730510964989662}],"sentiment":"neutral","sentiment_score":-0.0416617882438004,"channel":1,"num_words":8,"start":1201.3999,"end":1204.7799},{"sentences":[{"text":"Okay.","start":1204.295,"end":1204.795,"sentiment":"neutral","sentiment_score":0.025897838175296783}],"sentiment":"neutral","sentiment_score":0.025897838175296783,"channel":0,"num_words":1,"start":1204.295,"end":1204.795},{"sentences":[{"text":"yeah, I I would say it'll change because we're gonna have to move sort of soon, but don't know yet.","start":1208.6799,"end":1216.3651,"sentiment":"neutral","sentiment_score":-0.03388290675356984},{"text":"But","start":1216.3651,"end":1216.685,"sentiment":"neutral","sentiment_score":0.02475615590810776}],"sentiment":"neutral","sentiment_score":-0.0310905704363471,"channel":1,"num_words":21,"start":1208.6799,"end":1216.685},{"sentences":[{"text":"Yeah.","start":1216.4701,"end":1216.9701,"sentiment":"neutral","sentiment_score":0.14534391462802887}],"sentiment":"neutral","sentiment_score":0.14534391462802887,"channel":0,"num_words":1,"start":1216.4701,"end":1216.9701},{"sentences":[{"text":"at the moment, it's pretty good.","start":1216.685,"end":1218.2251,"sentiment":"neutral","sentiment_score":0.31893961628278095}],"sentiment":"neutral","sentiment_score":0.31893961628278095,"channel":1,"num_words":6,"start":1216.685,"end":1218.2251},{"sentences":[{"text":"Okay.","start":1218.8049,"end":1219.3049,"sentiment":"positive","sentiment_score":0.363980770111084},{"text":"Perfect.","start":1221.125,"end":1221.625,"sentiment":"positive","sentiment_score":0.5689897537231445},{"text":"Well, I can just sort of use this for the moment.","start":1221.6849,"end":1224.6649,"sentiment":"positive","sentiment_score":0.39348466017029504},{"text":"What's your gross or your take home pay at the moment?","start":1225.125,"end":1228.245,"sentiment":"neutral","sentiment_score":0.14592853053049606},{"text":"What are you sort of earning on a or on a weekly basis?","start":1228.245,"end":1230.965,"sentiment":"neutral","sentiment_score":0.0831344872713089}],"sentiment":"neutral","sentiment_score":0.21479091773162018,"channel":0,"num_words":37,"start":1218.8049,"end":1230.965},{"sentences":[{"text":"Do you know what your income looks like?","start":1230.965,"end":1232.9049,"sentiment":"neutral","sentiment_score":0.04400615091435611}],"sentiment":"neutral","sentiment_score":0.04400615091435611,"channel":0,"num_words":8,"start":1230.965,"end":1232.9049},{"sentences":[{"text":"Because I only do this three days,","start":1237.34,"end":1239.04,"sentiment":"neutral","sentiment_score":0.03280035566006388}],"sentiment":"neutral","sentiment_score":0.03280035566006388,"channel":1,"num_words":7,"start":1237.34,"end":1239.04},{"sentences":[{"text":"Yep.","start":1239.52,"end":1240.02,"sentiment":"neutral","sentiment_score":0.09896016120910645}],"sentiment":"neutral","sentiment_score":0.09896016120910645,"channel":0,"num_words":1,"start":1239.52,"end":1240.02},{"sentences":[{"text":"and and I'll do more at you know, when when needed and when I can and so forth.","start":1241.485,"end":1245.405,"sentiment":"neutral","sentiment_score":0.09766887500882149},{"text":"But normally, it's three days.","start":1245.405,"end":1247.345,"sentiment":"neutral","sentiment_score":0.03131231814622879},{"text":"So it's depending on the hours, so anywhere between, say, 1,500 to","start":1247.725,"end":1255.21,"sentiment":"neutral","sentiment_score":0.03589748730883002}],"sentiment":"neutral","sentiment_score":0.06701060538845403,"channel":1,"num_words":35,"start":1241.485,"end":1255.21},{"sentences":[{"text":"Yep.","start":1255.535,"end":1256.035,"sentiment":"neutral","sentiment_score":0.03286507725715637}],"sentiment":"neutral","sentiment_score":0.03286507725715637,"channel":0,"num_words":1,"start":1255.535,"end":1256.035},{"sentences":[{"text":"about 2,200.","start":1256.1499,"end":1258.73,"sentiment":"neutral","sentiment_score":0.020014646463096142}],"sentiment":"neutral","sentiment_score":0.020014646463096142,"channel":1,"num_words":2,"start":1256.1499,"end":1258.73},{"sentences":[{"text":"Is that your take home pay?","start":1259.79,"end":1261.47,"sentiment":"neutral","sentiment_score":0.018162434610227745},{"text":"Yep.","start":1261.47,"end":1261.97,"sentiment":"neutral","sentiment_score":0.025114666670560837}],"sentiment":"neutral","sentiment_score":0.01915561061884676,"channel":0,"num_words":7,"start":1259.79,"end":1261.97},{"sentences":[{"text":"Okay.","start":1261.99,"end":1262.1499,"sentiment":"neutral","sentiment_score":0.031179647892713547},{"text":"Yeah.","start":1262.1499,"end":1262.5499,"sentiment":"neutral","sentiment_score":0.031093882396817207},{"text":"Yeah.","start":1262.5499,"end":1263.0499,"sentiment":"neutral","sentiment_score":0.03304331749677658}],"sentiment":"neutral","sentiment_score":0.031772282595435776,"channel":1,"num_words":3,"start":1261.99,"end":1263.0499},{"sentences":[{"text":"So 1,500 to 2,200.","start":1263.55,"end":1265.89,"sentiment":"neutral","sentiment_score":0.031199953984469175},{"text":"On the average week, would you say your income's more towards that 1,500, or do you think you're up around that 2,200 more regularly?","start":1266.43,"end":1274.345,"sentiment":"neutral","sentiment_score":0.02684553697084387}],"sentiment":"neutral","sentiment_score":0.027467596544218913,"channel":0,"num_words":28,"start":1263.55,"end":1274.345},{"sentences":[{"text":"No.","start":1276.475,"end":1276.715,"sentiment":"neutral","sentiment_score":-0.09784737974405287},{"text":"It's probably $5.15 guiding sort of would be more","start":1276.715,"end":1280.495,"sentiment":"neutral","sentiment_score":-0.09117643121216032}],"sentiment":"neutral","sentiment_score":-0.09184352606534958,"channel":1,"num_words":10,"start":1276.475,"end":1280.495},{"sentences":[{"text":"Okay.","start":1280.005,"end":1280.505,"sentiment":"neutral","sentiment_score":0.03764595091342926},{"text":"Yep.","start":1281.125,"end":1281.625,"sentiment":"neutral","sentiment_score":0.08329242467880249}],"sentiment":"neutral","sentiment_score":0.060469187796115875,"channel":0,"num_words":2,"start":1280.005,"end":1281.625},{"sentences":[{"text":"accurate,","start":1281.915,"end":1282.395,"sentiment":"neutral","sentiment_score":0.0874444991350174}],"sentiment":"neutral","sentiment_score":0.0874444991350174,"channel":1,"num_words":1,"start":1281.915,"end":1282.395},{"sentences":[{"text":"Yep.","start":1281.925,"end":1282.3251,"sentiment":"neutral","sentiment_score":0.07466736435890198},{"text":"Did","start":1282.3251,"end":1282.5651,"sentiment":"neutral","sentiment_score":0.03157849982380867}],"sentiment":"neutral","sentiment_score":0.053122932091355324,"channel":0,"num_words":2,"start":1281.925,"end":1282.5651},{"sentences":[{"text":"I'm","start":1282.395,"end":1282.74,"sentiment":"neutral","sentiment_score":0.035396598279476166}],"sentiment":"neutral","sentiment_score":0.035396598279476166,"channel":1,"num_words":1,"start":1282.395,"end":1282.74},{"sentences":[{"text":"you","start":1282.5651,"end":1283.0651,"sentiment":"neutral","sentiment_score":0.033039819449186325}],"sentiment":"neutral","sentiment_score":0.033039819449186325,"channel":0,"num_words":1,"start":1282.5651,"end":1283.0651},{"sentences":[{"text":"saying.","start":1282.74,"end":1283.24,"sentiment":"neutral","sentiment_score":0.017709290608763695}],"sentiment":"neutral","sentiment_score":0.017709290608763695,"channel":1,"num_words":1,"start":1282.74,"end":1283.24},{"sentences":[{"text":"did you want me to make make it so your take home pay remains around that $1,500 mark or $1,800?","start":1283.605,"end":1290.4601,"sentiment":"neutral","sentiment_score":0.023759159632027148},{"text":"What would you sort of like your take home pay to be on a on a weekly basis?","start":1290.4601,"end":1294.64,"sentiment":"neutral","sentiment_score":0.018390274606645107}],"sentiment":"neutral","sentiment_score":0.021216003567372497,"channel":0,"num_words":38,"start":1283.605,"end":1294.64},{"sentences":[{"text":"Yeah.","start":1295.7,"end":1296.2,"sentiment":"neutral","sentiment_score":-0.005605820566415787},{"text":"I would say they're lower, 15","start":1296.34,"end":1298.495,"sentiment":"neutral","sentiment_score":-0.010812048800289631}],"sentiment":"neutral","sentiment_score":-0.010068301909736224,"channel":1,"num_words":7,"start":1295.7,"end":1298.495},{"sentences":[{"text":"Fifteen","start":1299.02,"end":1299.52,"sentiment":"neutral","sentiment_score":-0.0190802663564682}],"sentiment":"neutral","sentiment_score":-0.0190802663564682,"channel":0,"num_words":1,"start":1299.02,"end":1299.52},{"sentences":[{"text":"or less","start":1299.195,"end":1299.675,"sentiment":"neutral","sentiment_score":-0.01313755288720131}],"sentiment":"neutral","sentiment_score":-0.01313755288720131,"channel":1,"num_words":2,"start":1299.195,"end":1299.675},{"sentences":[{"text":"100?","start":1299.5801,"end":1300.0801,"sentiment":"neutral","sentiment_score":0.004832440987229347}],"sentiment":"neutral","sentiment_score":0.004832440987229347,"channel":0,"num_words":1,"start":1299.5801,"end":1300.0801},{"sentences":[{"text":"7.","start":1299.675,"end":1299.995,"sentiment":"neutral","sentiment_score":0.015209613367915154},{"text":"Yeah.","start":1299.995,"end":1300.495,"sentiment":"neutral","sentiment_score":0.04475413262844086}],"sentiment":"neutral","sentiment_score":0.029981872998178005,"channel":1,"num_words":2,"start":1299.675,"end":1300.495},{"sentences":[{"text":"Yep.","start":1300.595,"end":1301.095,"sentiment":"neutral","sentiment_score":0.07138822972774506}],"sentiment":"neutral","sentiment_score":0.07138822972774506,"channel":0,"num_words":1,"start":1300.595,"end":1301.095},{"sentences":[{"text":"Yep.","start":1300.955,"end":1301.455,"sentiment":"neutral","sentiment_score":0.1482774019241333}],"sentiment":"neutral","sentiment_score":0.1482774019241333,"channel":1,"num_words":1,"start":1300.955,"end":1301.455},{"sentences":[{"text":"Perfect.","start":1301.235,"end":1301.735,"sentiment":"positive","sentiment_score":0.3520814776420593},{"text":"So I'll keep your take home pay at that $1,500 mark.","start":1302.435,"end":1305.975,"sentiment":"neutral","sentiment_score":0.2475317337296226},{"text":"Now with your contribution, so what we'll essentially do with the research is we have a look at how much we can transfer into the pension side of things.","start":1306.675,"end":1315.015,"sentiment":"neutral","sentiment_score":0.1361027018263422},{"text":"We have to leave some money.","start":1315.24,"end":1316.5199,"sentiment":"neutral","sentiment_score":0.05787030731638273},{"text":"Generally, it's about 10,000.","start":1316.5199,"end":1317.96,"sentiment":"neutral","sentiment_score":0.04590531624853611}],"sentiment":"neutral","sentiment_score":0.14809317667694652,"channel":0,"num_words":51,"start":1301.235,"end":1317.96},{"sentences":[{"text":"We sometimes also have to leave the tax liability there.","start":1317.96,"end":1320.6799,"sentiment":"neutral","sentiment_score":0.003496228531002998},{"text":"So we play around with how much we can move into pension and how much we leave in the accumulation side to keep your super open.","start":1320.6799,"end":1326.84,"sentiment":"neutral","sentiment_score":0.07867197233896989},{"text":"Because you're still working.","start":1326.84,"end":1327.88,"sentiment":"neutral","sentiment_score":0.2125302031636238},{"text":"You want those contributions to be going in and being invested.","start":1327.88,"end":1330.62,"sentiment":"neutral","sentiment_score":0.2093403380025517},{"text":"I'll look at your take home pay trying to keep that at 1,500 and then also look at what we can put in.","start":1331.375,"end":1337.795,"sentiment":"neutral","sentiment_score":0.111927787894788}],"sentiment":"neutral","sentiment_score":0.10550861105926938,"channel":0,"num_words":74,"start":1317.96,"end":1337.795},{"sentences":[{"text":"So what we put in will always be more than what we take out because we're putting more money in as taxed at a lower rate than our marginal tax rate, and we don't have to take as much out.","start":1338.0951,"end":1348.1399,"sentiment":"neutral","sentiment_score":0.19421748109161854},{"text":"So it's a little bit of a juggling ask, but we'll go back and do the research for you, try to keep that take home pay around that $1,500 mark for you, and look at what we can put into super to sort of provide that benefit for you.","start":1348.1399,"end":1359.525,"sentiment":"neutral","sentiment_score":0.21065664276176568},{"text":"If it comes back that say that this strategy isn't gonna be as effective for you, it's not gonna give you the kind of growth that we're after.","start":1359.925,"end":1366.985,"sentiment":"neutral","sentiment_score":-0.21031185372599534},{"text":"Is there as an alternative sort of strategy, are you comfortable putting extra money into super?","start":1367.605,"end":1372.9,"sentiment":"neutral","sentiment_score":-0.042697183205746114},{"text":"Do you have much left at the end of the week, or is everything quite tight expenditure wise at the moment?","start":1372.9,"end":1378.12,"sentiment":"neutral","sentiment_score":-0.0673285923188641}],"sentiment":"neutral","sentiment_score":0.06561745106932018,"channel":0,"num_words":154,"start":1338.0951,"end":1378.12},{"sentences":[{"text":"No.","start":1379.83,"end":1379.91,"sentiment":"neutral","sentiment_score":-0.1804964244365692},{"text":"It's not I wouldn't say try.","start":1379.91,"end":1382.23,"sentiment":"neutral","sentiment_score":-0.22267445673545203},{"text":"I'm trying to save a bit as well.","start":1382.23,"end":1385.585,"sentiment":"neutral","sentiment_score":-0.10109989158809185}],"sentiment":"neutral","sentiment_score":-0.15502281983693442,"channel":1,"num_words":15,"start":1379.83,"end":1385.585},{"sentences":[{"text":"Yep.","start":1385.4751,"end":1385.9751,"sentiment":"neutral","sentiment_score":0.09333986043930054}],"sentiment":"neutral","sentiment_score":0.09333986043930054,"channel":0,"num_words":1,"start":1385.4751,"end":1385.9751},{"sentences":[{"text":"Plenty plenty a trip in that.","start":1385.885,"end":1389.325,"sentiment":"neutral","sentiment_score":0.2639300773541133},{"text":"But","start":1389.325,"end":1389.825,"sentiment":"neutral","sentiment_score":0.18052120506763455}],"sentiment":"neutral","sentiment_score":0.2520145241703306,"channel":1,"num_words":7,"start":1385.885,"end":1389.825},{"sentences":[{"text":"Oh, nice.","start":1389.795,"end":1390.775,"sentiment":"positive","sentiment_score":0.37869754433631897}],"sentiment":"positive","sentiment_score":0.37869754433631897,"channel":0,"num_words":2,"start":1389.795,"end":1390.775},{"sentences":[{"text":"yeah.","start":1391.405,"end":1391.725,"sentiment":"neutral","sentiment_score":0.2084874212741852},{"text":"Because I'd I'd like to go to","start":1391.725,"end":1396.205,"sentiment":"neutral","sentiment_score":0.27956815915448324}],"sentiment":"neutral","sentiment_score":0.270683066919446,"channel":1,"num_words":8,"start":1391.405,"end":1396.205},{"sentences":[{"text":"Wow.","start":1396.0499,"end":1396.5499,"sentiment":"neutral","sentiment_score":0.2872316241264343}],"sentiment":"neutral","sentiment_score":0.2872316241264343,"channel":0,"num_words":1,"start":1396.0499,"end":1396.5499},{"sentences":[{"text":"Malta, and I hope I've been, and that's where my father was from.","start":1396.205,"end":1401.19,"sentiment":"neutral","sentiment_score":0.20116284317695177}],"sentiment":"neutral","sentiment_score":0.20116284317695177,"channel":1,"num_words":13,"start":1396.205,"end":1401.19},{"sentences":[{"text":"Yep.","start":1401.1699,"end":1401.57,"sentiment":"neutral","sentiment_score":0.1251586377620697},{"text":"Yep.","start":1401.57,"end":1402.07,"sentiment":"neutral","sentiment_score":0.1529785841703415}],"sentiment":"neutral","sentiment_score":0.1390686109662056,"channel":0,"num_words":2,"start":1401.1699,"end":1402.07},{"sentences":[{"text":"So I do wanna go to where he grew up and stuff like that.","start":1401.89,"end":1405.9099,"sentiment":"neutral","sentiment_score":0.20978236304862158},{"text":"That's","start":1406.21,"end":1406.45,"sentiment":"neutral","sentiment_score":0.1626715064048767}],"sentiment":"neutral","sentiment_score":0.20664163927237192,"channel":1,"num_words":15,"start":1401.89,"end":1406.45},{"sentences":[{"text":"Yeah.","start":1406.37,"end":1406.87,"sentiment":"neutral","sentiment_score":0.21636873483657837}],"sentiment":"neutral","sentiment_score":0.21636873483657837,"channel":0,"num_words":1,"start":1406.37,"end":1406.87},{"sentences":[{"text":"what I've always wanted to do, and I figured, well, I'm gonna do it before it's too late.","start":1406.45,"end":1411.1699,"sentiment":"neutral","sentiment_score":0.22332902501026788},{"text":"So I think that","start":1411.1699,"end":1412.3099,"sentiment":"neutral","sentiment_score":0.08963079005479813}],"sentiment":"neutral","sentiment_score":0.1990202550183643,"channel":1,"num_words":22,"start":1406.45,"end":1412.3099},{"sentences":[{"text":"Yeah.","start":1411.985,"end":1412.485,"sentiment":"neutral","sentiment_score":0.2074877172708511},{"text":"Perfect.","start":1412.945,"end":1413.445,"sentiment":"positive","sentiment_score":0.6486407518386841},{"text":"That sounds","start":1413.825,"end":1414.625,"sentiment":"positive","sentiment_score":0.6857509016990662}],"sentiment":"positive","sentiment_score":0.5569075681269169,"channel":0,"num_words":4,"start":1411.985,"end":1414.625},{"sentences":[{"text":"that","start":1414.515,"end":1414.755,"sentiment":"positive","sentiment_score":0.691840648651123}],"sentiment":"positive","sentiment_score":0.691840648651123,"channel":1,"num_words":1,"start":1414.515,"end":1414.755},{"sentences":[{"text":"great.","start":1414.625,"end":1415.125,"sentiment":"positive","sentiment_score":0.6568442583084106}],"sentiment":"positive","sentiment_score":0.6568442583084106,"channel":0,"num_words":1,"start":1414.625,"end":1415.125},{"sentences":[{"text":"yeah.","start":1414.835,"end":1415.235,"sentiment":"neutral","sentiment_score":0.2125815153121948},{"text":"Just trying to save a tweak for that and","start":1415.235,"end":1418.135,"sentiment":"neutral","sentiment_score":0.14796620276239184}],"sentiment":"neutral","sentiment_score":0.15442773401737214,"channel":1,"num_words":10,"start":1414.835,"end":1418.135},{"sentences":[{"text":"Yep.","start":1418.145,"end":1418.645,"sentiment":"neutral","sentiment_score":0.06919635832309723}],"sentiment":"neutral","sentiment_score":0.06919635832309723,"channel":0,"num_words":1,"start":1418.145,"end":1418.645},{"sentences":[{"text":"things like that.","start":1418.9149,"end":1419.635,"sentiment":"neutral","sentiment_score":0.07004053021470706},{"text":"So, yeah, it's it's not tight, but I'm really doing pretty well, but it's just, you know, one of those things.","start":1419.635,"end":1426.9349,"sentiment":"neutral","sentiment_score":0.08886861799761564}],"sentiment":"neutral","sentiment_score":0.08651510702475207,"channel":1,"num_words":24,"start":1418.9149,"end":1426.9349},{"sentences":[{"text":"Yep.","start":1427.12,"end":1427.44,"sentiment":"neutral","sentiment_score":0.10517062246799468},{"text":"Yeah.","start":1427.44,"end":1427.84,"sentiment":"neutral","sentiment_score":0.22710442543029785},{"text":"Perfect.","start":1427.84,"end":1428.34,"sentiment":"neutral","sentiment_score":0.05319366604089737},{"text":"If if that TTR strategy was not really gonna provide the greater benefit and we just wanted to look at maybe some salary sacrifice, would you be comfortable with me putting, say, 50 or $100 in on a fortnightly basis?","start":1430.48,"end":1441.7849,"sentiment":"neutral","sentiment_score":-0.06593022397719324},{"text":"I know it does reduce your take home pay, But would that still allow you to be able to put savings away, or do you think you'd only wanna make those contributions if we could make that extra strategy work for you so you keep your take home pay the same?","start":1441.7849,"end":1455.08,"sentiment":"neutral","sentiment_score":0.05755449805920031}],"sentiment":"neutral","sentiment_score":0.007271693147560383,"channel":0,"num_words":94,"start":1427.12,"end":1455.08},{"sentences":[{"text":"What's kind of more preferable for you?","start":1455.08,"end":1457.26,"sentiment":"neutral","sentiment_score":0.02074820743707408}],"sentiment":"neutral","sentiment_score":0.02074820743707408,"channel":0,"num_words":7,"start":1455.08,"end":1457.26},{"sentences":[{"text":"Yeah.","start":1460.4199,"end":1460.74,"sentiment":"neutral","sentiment_score":-0.05703761428594589},{"text":"I don't know.","start":1460.74,"end":1464.84,"sentiment":"neutral","sentiment_score":-0.1414516344666481},{"text":"I know I've","start":1465.22,"end":1465.94,"sentiment":"neutral","sentiment_score":-0.15213059385617575}],"sentiment":"neutral","sentiment_score":-0.1339691856077739,"channel":1,"num_words":7,"start":1460.4199,"end":1465.94},{"sentences":[{"text":"Not sure.","start":1465.685,"end":1466.425,"sentiment":"neutral","sentiment_score":-0.14626549184322357}],"sentiment":"neutral","sentiment_score":-0.14626549184322357,"channel":0,"num_words":2,"start":1465.685,"end":1466.425},{"sentences":[{"text":"probably screwed you putting in a bit extra.","start":1465.94,"end":1467.96,"sentiment":"negative","sentiment_score":-0.3477979116141796}],"sentiment":"negative","sentiment_score":-0.3477979116141796,"channel":1,"num_words":8,"start":1465.94,"end":1467.96},{"sentences":[{"text":"Yep.","start":1468.485,"end":1468.985,"sentiment":"neutral","sentiment_score":0.038995616137981415}],"sentiment":"neutral","sentiment_score":0.038995616137981415,"channel":0,"num_words":1,"start":1468.485,"end":1468.985},{"sentences":[{"text":"That's probably a good idea.","start":1471.22,"end":1473.24,"sentiment":"neutral","sentiment_score":0.24856954514980317},{"text":"I just","start":1473.2999,"end":1473.555,"sentiment":"neutral","sentiment_score":0.031987786293029785}],"sentiment":"neutral","sentiment_score":0.18668904261929647,"channel":1,"num_words":7,"start":1471.22,"end":1473.555},{"sentences":[{"text":"Yep.","start":1473.62,"end":1474.12,"sentiment":"neutral","sentiment_score":0.012437479570508003}],"sentiment":"neutral","sentiment_score":0.012437479570508003,"channel":0,"num_words":1,"start":1473.62,"end":1474.12},{"sentences":[{"text":"don't know if yeah.","start":1473.7151,"end":1475.7151,"sentiment":"neutral","sentiment_score":-0.09143423847854137},{"text":"I probably should.","start":1475.7151,"end":1476.6951,"sentiment":"neutral","sentiment_score":-0.04778937747081121}],"sentiment":"neutral","sentiment_score":-0.07272929804665702,"channel":1,"num_words":7,"start":1473.7151,"end":1476.6951},{"sentences":[{"text":"Do you want me to make it something minimal, like $50 a week or $50 a fortnight to start with?","start":1477.38,"end":1482.66,"sentiment":"neutral","sentiment_score":-0.0004543393850326538},{"text":"We can always then boost it up later down the track.","start":1482.66,"end":1485.315,"sentiment":"neutral","sentiment_score":0.2117050283334472},{"text":"And keeping in mind, this is only as an alternative, so I'll always go back and wanna look at that transition strategy first to see if we can really get the ball rolling for you and what we can do there.","start":1485.6349,"end":1496.0549,"sentiment":"neutral","sentiment_score":0.21737653289626285},{"text":"This is more just if that's not gonna provide a greater benefit as an alternative, something that we can look at to help you along with.","start":1496.195,"end":1502.69,"sentiment":"neutral","sentiment_score":0.13042421256865894},{"text":"I could start with something like $50 per fortnight there for you, and then we could always look at the benefit and kind of build on that down the track.","start":1502.69,"end":1510.1499,"sentiment":"neutral","sentiment_score":0.11694246319433053}],"sentiment":"neutral","sentiment_score":0.14165163902600852,"channel":0,"num_words":128,"start":1477.38,"end":1510.1499},{"sentences":[{"text":"Yeah.","start":1511.385,"end":1511.865,"sentiment":"neutral","sentiment_score":0.0916234478354454},{"text":"Yeah.","start":1511.865,"end":1512.1849,"sentiment":"neutral","sentiment_score":0.1048094779253006},{"text":"Okay.","start":1512.1849,"end":1512.63,"sentiment":"neutral","sentiment_score":0.13752934336662292}],"sentiment":"neutral","sentiment_score":0.11132075637578964,"channel":1,"num_words":3,"start":1511.385,"end":1512.63},{"sentences":[{"text":"Yep.","start":1512.705,"end":1513.205,"sentiment":"neutral","sentiment_score":0.17652356624603271},{"text":"Yep.","start":1513.345,"end":1513.745,"sentiment":"neutral","sentiment_score":0.2726280689239502},{"text":"Perfect.","start":1513.745,"end":1514.245,"sentiment":"positive","sentiment_score":0.5539030432701111},{"text":"I will have a look at that for you.","start":1515.1849,"end":1517.0449,"sentiment":"positive","sentiment_score":0.3717053963078393},{"text":"How much are you sort of trying to save out of your income on a weekly or fortnightly basis at the moment?","start":1517.345,"end":1522.225,"sentiment":"neutral","sentiment_score":0.10403502817181023}],"sentiment":"neutral","sentiment_score":0.19521099602913156,"channel":0,"num_words":34,"start":1512.705,"end":1522.225},{"sentences":[{"text":"How much are you putting away for your holiday?","start":1522.225,"end":1524.245,"sentiment":"neutral","sentiment_score":0.0158686236374908}],"sentiment":"neutral","sentiment_score":0.0158686236374908,"channel":0,"num_words":9,"start":1522.225,"end":1524.245},{"sentences":[{"text":"Yep.","start":1524.87,"end":1525.37,"sentiment":"neutral","sentiment_score":0.04261119291186333},{"text":"Oh, yeah.","start":1525.99,"end":1526.39,"sentiment":"neutral","sentiment_score":0.04912886768579483},{"text":"As much as possible.","start":1526.39,"end":1527.53,"sentiment":"neutral","sentiment_score":0.04582561831921339}],"sentiment":"neutral","sentiment_score":0.04631020022290094,"channel":1,"num_words":7,"start":1524.87,"end":1527.53},{"sentences":[{"text":"Yeah.","start":1528.7999,"end":1529.2999,"sentiment":"neutral","sentiment_score":0.022881584241986275}],"sentiment":"neutral","sentiment_score":0.022881584241986275,"channel":0,"num_words":1,"start":1528.7999,"end":1529.2999},{"sentences":[{"text":"Partners doing most of that sort of balancing, but","start":1528.9551,"end":1533.215,"sentiment":"neutral","sentiment_score":0.015331929963495996}],"sentiment":"neutral","sentiment_score":0.015331929963495996,"channel":1,"num_words":9,"start":1528.9551,"end":1533.215},{"sentences":[{"text":"Yeah.","start":1533.76,"end":1534.26,"sentiment":"neutral","sentiment_score":-0.03201063722372055}],"sentiment":"neutral","sentiment_score":-0.03201063722372055,"channel":0,"num_words":1,"start":1533.76,"end":1534.26},{"sentences":[{"text":"what did she say?","start":1535.675,"end":1536.875,"sentiment":"neutral","sentiment_score":-0.05170792154967785},{"text":"That she's gonna put all her wages away, which is","start":1536.875,"end":1542.715,"sentiment":"neutral","sentiment_score":-0.07304935418069362}],"sentiment":"neutral","sentiment_score":-0.0669518020004034,"channel":1,"num_words":14,"start":1535.675,"end":1542.715},{"sentences":[{"text":"Yep.","start":1542.895,"end":1543.395,"sentiment":"neutral","sentiment_score":-0.009055592119693756}],"sentiment":"neutral","sentiment_score":-0.009055592119693756,"channel":0,"num_words":1,"start":1542.895,"end":1543.395},{"sentences":[{"text":"yeah.","start":1543.275,"end":1543.775,"sentiment":"neutral","sentiment_score":0.010206343606114388},{"text":"Because it's part of, you know, that's that's how we set up.","start":1544.6,"end":1547.72,"sentiment":"neutral","sentiment_score":0.003121491346973926},{"text":"She's gonna put all hers away so it's around","start":1547.72,"end":1550.14,"sentiment":"neutral","sentiment_score":-0.028562836898749486}],"sentiment":"neutral","sentiment_score":-0.009518240559951995,"channel":1,"num_words":22,"start":1543.275,"end":1550.14},{"sentences":[{"text":"Yep.","start":1550.1901,"end":1550.6901,"sentiment":"neutral","sentiment_score":0.003830505069345236}],"sentiment":"neutral","sentiment_score":0.003830505069345236,"channel":0,"num_words":1,"start":1550.1901,"end":1550.6901},{"sentences":[{"text":"for 800 a week.","start":1551.8,"end":1553.18,"sentiment":"neutral","sentiment_score":0.001514863222837447}],"sentiment":"neutral","sentiment_score":0.001514863222837447,"channel":1,"num_words":4,"start":1551.8,"end":1553.18},{"sentences":[{"text":"Okay.","start":1553.79,"end":1554.29,"sentiment":"neutral","sentiment_score":0.19140301644802096}],"sentiment":"neutral","sentiment_score":0.19140301644802096,"channel":0,"num_words":1,"start":1553.79,"end":1554.29},{"sentences":[{"text":"That's","start":1555.8,"end":1556.2001,"sentiment":"positive","sentiment_score":0.39695867896080017}],"sentiment":"positive","sentiment_score":0.39695867896080017,"channel":1,"num_words":1,"start":1555.8,"end":1556.2001},{"sentences":[{"text":"Perfect.","start":1556.35,"end":1556.85,"sentiment":"neutral","sentiment_score":0.1213587000966072}],"sentiment":"neutral","sentiment_score":0.1213587000966072,"channel":0,"num_words":1,"start":1556.35,"end":1556.85},{"sentences":[{"text":"I think that's the plan.","start":1556.36,"end":1557.64,"sentiment":"neutral","sentiment_score":0.06997935324907303},{"text":"So yeah.","start":1557.64,"end":1558.55,"sentiment":"neutral","sentiment_score":0.10149229690432549}],"sentiment":"neutral","sentiment_score":0.07898305143628802,"channel":1,"num_words":7,"start":1556.36,"end":1558.55},{"sentences":[{"text":"Yep.","start":1558.27,"end":1558.77,"sentiment":"neutral","sentiment_score":0.17370304465293884},{"text":"Perfect.","start":1559.0701,"end":1559.5701,"sentiment":"positive","sentiment_score":0.6026883125305176},{"text":"Perfect.","start":1563.165,"end":1563.665,"sentiment":"positive","sentiment_score":0.6339932084083557},{"text":"Thank you for that.","start":1564.285,"end":1565.3251,"sentiment":"positive","sentiment_score":0.6100848466157913},{"text":"I'm so sorry.","start":1565.3251,"end":1566.145,"sentiment":"neutral","sentiment_score":-0.04862364505728086}],"sentiment":"positive","sentiment_score":0.3704853016883135,"channel":0,"num_words":10,"start":1558.27,"end":1566.145},{"sentences":[{"text":"Lovely.","start":1566.925,"end":1567.425,"sentiment":"neutral","sentiment_score":0.19068434834480288},{"text":"And work wise, you mentioned you're down to about three days per week at the moment.","start":1567.485,"end":1571.8251,"sentiment":"neutral","sentiment_score":0.0006961361796129495},{"text":"Just sort of going through, I don't have down here what you do for work.","start":1572.365,"end":1575.72,"sentiment":"neutral","sentiment_score":-0.0037973237534364066},{"text":"What's your occupation?","start":1575.72,"end":1576.62,"sentiment":"neutral","sentiment_score":0.002226863793718318}],"sentiment":"neutral","sentiment_score":0.0043298074942348256,"channel":0,"num_words":35,"start":1566.925,"end":1576.62},{"sentences":[{"text":"Truck driver.","start":1577.77,"end":1578.51,"sentiment":"neutral","sentiment_score":0.011815447360277176}],"sentiment":"neutral","sentiment_score":0.011815447360277176,"channel":1,"num_words":2,"start":1577.77,"end":1578.51},{"sentences":[{"text":"Oh, beautiful.","start":1579.08,"end":1579.96,"sentiment":"neutral","sentiment_score":0.13379616290330887},{"text":"Are you long distance?","start":1579.96,"end":1581.1799,"sentiment":"neutral","sentiment_score":0.03906389698386192},{"text":"Or","start":1581.32,"end":1581.82,"sentiment":"neutral","sentiment_score":0.02071383222937584}],"sentiment":"neutral","sentiment_score":0.06350882085306304,"channel":0,"num_words":7,"start":1579.08,"end":1581.82},{"sentences":[{"text":"Well, a bit of both local.","start":1583.13,"end":1584.67,"sentiment":"neutral","sentiment_score":0.027313340610514086},{"text":"It's really local.","start":1584.73,"end":1585.77,"sentiment":"neutral","sentiment_score":0.04951766630013784}],"sentiment":"neutral","sentiment_score":0.034714782507055335,"channel":1,"num_words":9,"start":1583.13,"end":1585.77},{"sentences":[{"text":"yeah.","start":1585.32,"end":1585.82,"sentiment":"neutral","sentiment_score":0.031957678496837616}],"sentiment":"neutral","sentiment_score":0.031957678496837616,"channel":0,"num_words":1,"start":1585.32,"end":1585.82},{"sentences":[{"text":"It's it's","start":1585.77,"end":1586.205,"sentiment":"neutral","sentiment_score":0.018315600231289864}],"sentiment":"neutral","sentiment_score":0.018315600231289864,"channel":1,"num_words":2,"start":1585.77,"end":1586.205},{"sentences":[{"text":"Yep.","start":1586.28,"end":1586.78,"sentiment":"neutral","sentiment_score":0.012858468107879162}],"sentiment":"neutral","sentiment_score":0.012858468107879162,"channel":0,"num_words":1,"start":1586.28,"end":1586.78},{"sentences":[{"text":"not like all distance sleeping in a truck and that, but","start":1586.2849,"end":1589.265,"sentiment":"neutral","sentiment_score":-0.004068212668326768}],"sentiment":"neutral","sentiment_score":-0.004068212668326768,"channel":1,"num_words":11,"start":1586.2849,"end":1589.265},{"sentences":[{"text":"Oh, perfect.","start":1589.495,"end":1590.635,"sentiment":"neutral","sentiment_score":0.18304502218961716}],"sentiment":"neutral","sentiment_score":0.18304502218961716,"channel":0,"num_words":2,"start":1589.495,"end":1590.635},{"sentences":[{"text":"yeah.","start":1591.4049,"end":1591.565,"sentiment":"neutral","sentiment_score":0.11685393750667572},{"text":"So it's local.","start":1591.565,"end":1592.5449,"sentiment":"neutral","sentiment_score":0.09967600554227829}],"sentiment":"neutral","sentiment_score":0.10397048853337765,"channel":1,"num_words":4,"start":1591.4049,"end":1592.5449},{"sentences":[{"text":"Lovely.","start":1592.295,"end":1592.795,"sentiment":"positive","sentiment_score":0.3886451721191406}],"sentiment":"positive","sentiment_score":0.3886451721191406,"channel":0,"num_words":1,"start":1592.295,"end":1592.795},{"sentences":[{"text":"I'm actually up in Brisbane at the moment working.","start":1593.005,"end":1595.345,"sentiment":"neutral","sentiment_score":0.15104337533315024}],"sentiment":"neutral","sentiment_score":0.15104337533315024,"channel":1,"num_words":9,"start":1593.005,"end":1595.345},{"sentences":[{"text":"Yeah.","start":1596.0549,"end":1596.455,"sentiment":"neutral","sentiment_score":0.07636426389217377},{"text":"Wow.","start":1596.455,"end":1596.955,"sentiment":"neutral","sentiment_score":0.07666994631290436}],"sentiment":"neutral","sentiment_score":0.07651710510253906,"channel":0,"num_words":2,"start":1596.0549,"end":1596.955},{"sentences":[{"text":"Yeah.","start":1597.565,"end":1597.885,"sentiment":"neutral","sentiment_score":0.05026070773601532},{"text":"Yeah.","start":1597.885,"end":1598.205,"sentiment":"neutral","sentiment_score":0.04580621048808098},{"text":"That port is up here because it's but It's worth having a little busy.","start":1598.205,"end":1603.94,"sentiment":"neutral","sentiment_score":0.028318888707352535},{"text":"Everything's","start":1603.94,"end":1604.44,"sentiment":"neutral","sentiment_score":0.025646768510341644}],"sentiment":"neutral","sentiment_score":0.03048106639043373,"channel":1,"num_words":17,"start":1597.565,"end":1604.44},{"sentences":[{"text":"Yep.","start":1604.31,"end":1604.81,"sentiment":"neutral","sentiment_score":0.015720084309577942}],"sentiment":"neutral","sentiment_score":0.015720084309577942,"channel":0,"num_words":1,"start":1604.31,"end":1604.81},{"sentences":[{"text":"quite a bit crazy.","start":1604.6599,"end":1605.5599,"sentiment":"neutral","sentiment_score":-0.016110092867165804},{"text":"So I asked","start":1606.0199,"end":1607.0,"sentiment":"neutral","sentiment_score":0.004670485854148865}],"sentiment":"neutral","sentiment_score":-0.007204130558030946,"channel":1,"num_words":7,"start":1604.6599,"end":1607.0},{"sentences":[{"text":"Yeah.","start":1606.55,"end":1607.05,"sentiment":"neutral","sentiment_score":0.004249299876391888}],"sentiment":"neutral","sentiment_score":0.004249299876391888,"channel":0,"num_words":1,"start":1606.55,"end":1607.05},{"sentences":[{"text":"this few of us Newcastle bikes to come up in.","start":1607.62,"end":1610.12,"sentiment":"neutral","sentiment_score":0.02119522951543331},{"text":"Okay?","start":1610.82,"end":1611.32,"sentiment":"neutral","sentiment_score":0.06059132516384125}],"sentiment":"neutral","sentiment_score":0.02477669275619767,"channel":1,"num_words":11,"start":1607.62,"end":1611.32},{"sentences":[{"text":"Perfect.","start":1612.245,"end":1612.745,"sentiment":"neutral","sentiment_score":0.2732751965522766},{"text":"Perfect.","start":1613.045,"end":1613.545,"sentiment":"neutral","sentiment_score":0.2349037081003189},{"text":"And you also mentioned that your your partner you've got your partner there.","start":1614.3251,"end":1617.685,"sentiment":"neutral","sentiment_score":0.06050710150828728},{"text":"So I've got it down that you are in a de facto relationship.","start":1617.685,"end":1620.105,"sentiment":"neutral","sentiment_score":0.053939189905157454},{"text":"Is that still correct?","start":1620.245,"end":1621.385,"sentiment":"neutral","sentiment_score":0.044241766445338726}],"sentiment":"neutral","sentiment_score":0.06790461746277288,"channel":0,"num_words":32,"start":1612.245,"end":1621.385},{"sentences":[{"text":"Yeah.","start":1621.965,"end":1622.445,"sentiment":"neutral","sentiment_score":0.024238739162683487},{"text":"Yep.","start":1622.445,"end":1622.945,"sentiment":"neutral","sentiment_score":0.0260641910135746}],"sentiment":"neutral","sentiment_score":0.025151465088129044,"channel":1,"num_words":2,"start":1621.965,"end":1622.945},{"sentences":[{"text":"Yep.","start":1622.965,"end":1623.365,"sentiment":"neutral","sentiment_score":0.043665811419487},{"text":"Perfect.","start":1623.365,"end":1623.845,"sentiment":"neutral","sentiment_score":0.09683486819267272},{"text":"And I'm so sorry.","start":1623.845,"end":1624.725,"sentiment":"neutral","sentiment_score":-0.030817232094705105},{"text":"I'm probably gonna pronounce this wrong.","start":1624.725,"end":1626.8251,"sentiment":"neutral","sentiment_score":-0.11496573314070702},{"text":"Your partner's name, I'm gonna spell it because I'm probably gonna say it incorrectly.","start":1627.125,"end":1630.9099,"sentiment":"neutral","sentiment_score":-0.0750335670475449}],"sentiment":"neutral","sentiment_score":-0.0662704840875589,"channel":0,"num_words":26,"start":1622.965,"end":1630.9099},{"sentences":[{"text":"It's s e n e m.","start":1630.9099,"end":1632.59,"sentiment":"neutral","sentiment_score":-0.015062542787442604},{"text":"Is that right?","start":1632.59,"end":1633.49,"sentiment":"neutral","sentiment_score":0.008205763064324856}],"sentiment":"neutral","sentiment_score":-0.007306440836853451,"channel":0,"num_words":9,"start":1630.9099,"end":1633.49},{"sentences":[{"text":"Yes.","start":1633.79,"end":1634.03,"sentiment":"neutral","sentiment_score":0.024266405031085014},{"text":"That's right.","start":1634.03,"end":1634.51,"sentiment":"neutral","sentiment_score":0.03570994362235069},{"text":"Yeah.","start":1634.51,"end":1635.01,"sentiment":"neutral","sentiment_score":0.042512036859989166}],"sentiment":"neutral","sentiment_score":0.03454958228394389,"channel":1,"num_words":4,"start":1633.79,"end":1635.01},{"sentences":[{"text":"Yep.","start":1634.6699,"end":1635.15,"sentiment":"neutral","sentiment_score":0.043676525354385376},{"text":"Perfect.","start":1635.15,"end":1635.47,"sentiment":"neutral","sentiment_score":0.10718871653079988},{"text":"How would I pronounce the name correctly?","start":1635.47,"end":1637.07,"sentiment":"neutral","sentiment_score":0.035691809707454274},{"text":"I do apologize.","start":1637.07,"end":1637.89,"sentiment":"neutral","sentiment_score":-0.061908469845851265}],"sentiment":"neutral","sentiment_score":0.017915208358317614,"channel":0,"num_words":12,"start":1634.6699,"end":1637.89},{"sentences":[{"text":"That's alright.","start":1638.43,"end":1639.15,"sentiment":"neutral","sentiment_score":-0.01011134061263874},{"text":"Send them.","start":1639.15,"end":1639.89,"sentiment":"neutral","sentiment_score":0.011023864150047302}],"sentiment":"neutral","sentiment_score":0.00045626176870428156,"channel":1,"num_words":4,"start":1638.43,"end":1639.89},{"sentences":[{"text":"Sanam.","start":1640.445,"end":1640.945,"sentiment":"neutral","sentiment_score":0.07959073036909103},{"text":"Beautiful.","start":1641.165,"end":1641.665,"sentiment":"positive","sentiment_score":0.3673978447914123},{"text":"That's a lovely name.","start":1641.8049,"end":1642.6849,"sentiment":"positive","sentiment_score":0.3560318350791931},{"text":"I knew I would probably get that wrong.","start":1642.6849,"end":1644.445,"sentiment":"neutral","sentiment_score":-0.07594472635537386},{"text":"I do apologize.","start":1644.445,"end":1645.265,"sentiment":"neutral","sentiment_score":-0.09143304328123729}],"sentiment":"neutral","sentiment_score":0.05819170439944548,"channel":0,"num_words":17,"start":1640.445,"end":1645.265},{"sentences":[{"text":"And I'm my name's Dana.","start":1645.325,"end":1646.6849,"sentiment":"neutral","sentiment_score":-0.055617333948612215},{"text":"So it's spelled d a n a, and everyone gets my name wrong as well.","start":1646.6849,"end":1650.145,"sentiment":"neutral","sentiment_score":-0.08414276018738746},{"text":"So","start":1650.285,"end":1650.445,"sentiment":"neutral","sentiment_score":0.006245061755180359}],"sentiment":"neutral","sentiment_score":-0.07304681003803298,"channel":0,"num_words":21,"start":1645.325,"end":1650.445},{"sentences":[{"text":"Alright.","start":1650.435,"end":1650.8351,"sentiment":"neutral","sentiment_score":0.04585620015859604}],"sentiment":"neutral","sentiment_score":0.04585620015859604,"channel":1,"num_words":1,"start":1650.435,"end":1650.8351},{"sentences":[{"text":"it's understandable.","start":1650.445,"end":1651.265,"sentiment":"neutral","sentiment_score":0.0400634091347456}],"sentiment":"neutral","sentiment_score":0.0400634091347456,"channel":0,"num_words":2,"start":1650.445,"end":1651.265},{"sentences":[{"text":"Yeah.","start":1650.8351,"end":1651.0751,"sentiment":"neutral","sentiment_score":0.05229732394218445},{"text":"Okay.","start":1651.0751,"end":1651.5751,"sentiment":"neutral","sentiment_score":0.059893377125263214},{"text":"Yep.","start":1652.435,"end":1652.935,"sentiment":"neutral","sentiment_score":0.06129341572523117}],"sentiment":"neutral","sentiment_score":0.057828038930892944,"channel":1,"num_words":3,"start":1650.8351,"end":1652.935},{"sentences":[{"text":"You're well, and you mentioned she's working as well?","start":1653.1,"end":1655.6799,"sentiment":"neutral","sentiment_score":0.05485449193252458}],"sentiment":"neutral","sentiment_score":0.05485449193252458,"channel":0,"num_words":9,"start":1653.1,"end":1655.6799},{"sentences":[{"text":"Yeah.","start":1656.18,"end":1656.5,"sentiment":"neutral","sentiment_score":0.023158777505159375},{"text":"Yeah.","start":1656.5,"end":1656.8201,"sentiment":"neutral","sentiment_score":0.01996445655822754},{"text":"Yeah.","start":1656.8201,"end":1657.3201,"sentiment":"neutral","sentiment_score":0.014770310372114182}],"sentiment":"neutral","sentiment_score":0.019297848145167034,"channel":1,"num_words":3,"start":1656.18,"end":1657.3201},{"sentences":[{"text":"Yeah.","start":1657.66,"end":1658.16,"sentiment":"neutral","sentiment_score":0.007398713380098343},{"text":"Is she hoping to sort of retire around the same time as you, or is she planning to work longer?","start":1658.46,"end":1663.58,"sentiment":"neutral","sentiment_score":-0.0026256014592945577},{"text":"Is she younger than you or older?","start":1663.58,"end":1665.36,"sentiment":"neutral","sentiment_score":-0.016643879669053212}],"sentiment":"neutral","sentiment_score":-0.00577215976747019,"channel":0,"num_words":28,"start":1657.66,"end":1665.36},{"sentences":[{"text":"She's younger.","start":1666.1001,"end":1666.92,"sentiment":"neutral","sentiment_score":-0.020209482870996},{"text":"She's","start":1667.54,"end":1667.78,"sentiment":"neutral","sentiment_score":-0.016977384686470032}],"sentiment":"neutral","sentiment_score":-0.019132116809487343,"channel":1,"num_words":3,"start":1666.1001,"end":1667.78},{"sentences":[{"text":"Young?","start":1667.655,"end":1668.135,"sentiment":"neutral","sentiment_score":-0.010301120579242706}],"sentiment":"neutral","sentiment_score":-0.010301120579242706,"channel":0,"num_words":1,"start":1667.655,"end":1668.135},{"sentences":[{"text":"got 12","start":1667.78,"end":1668.52,"sentiment":"neutral","sentiment_score":0.011981407180428505}],"sentiment":"neutral","sentiment_score":0.011981407180428505,"channel":1,"num_words":2,"start":1667.78,"end":1668.52},{"sentences":[{"text":"Yep.","start":1668.135,"end":1668.635,"sentiment":"neutral","sentiment_score":0.012691250070929527}],"sentiment":"neutral","sentiment_score":0.012691250070929527,"channel":0,"num_words":1,"start":1668.135,"end":1668.635},{"sentences":[{"text":"years twelve years younger.","start":1668.5801,"end":1669.9601,"sentiment":"neutral","sentiment_score":0.012851267587393522}],"sentiment":"neutral","sentiment_score":0.012851267587393522,"channel":1,"num_words":4,"start":1668.5801,"end":1669.9601},{"sentences":[{"text":"Okay.","start":1669.575,"end":1670.075,"sentiment":"neutral","sentiment_score":0.08052034676074982}],"sentiment":"neutral","sentiment_score":0.08052034676074982,"channel":0,"num_words":1,"start":1669.575,"end":1670.075},{"sentences":[{"text":"She's,","start":1671.3,"end":1671.8,"sentiment":"neutral","sentiment_score":0.19693860411643985}],"sentiment":"neutral","sentiment_score":0.19693860411643985,"channel":1,"num_words":1,"start":1671.3,"end":1671.8},{"sentences":[{"text":"Perfect.","start":1671.415,"end":1671.915,"sentiment":"positive","sentiment_score":0.4939343929290771}],"sentiment":"positive","sentiment_score":0.4939343929290771,"channel":0,"num_words":1,"start":1671.415,"end":1671.915},{"sentences":[{"text":"well, she probably would like to retire at the same time, I would say, but,","start":1673.395,"end":1677.9551,"sentiment":"neutral","sentiment_score":0.17079786856969198}],"sentiment":"neutral","sentiment_score":0.17079786856969198,"channel":1,"num_words":15,"start":1673.395,"end":1677.9551},{"sentences":[{"text":"Yep.","start":1677.815,"end":1678.315,"sentiment":"neutral","sentiment_score":0.12061607837677002}],"sentiment":"neutral","sentiment_score":0.12061607837677002,"channel":0,"num_words":1,"start":1677.815,"end":1678.315},{"sentences":[{"text":"yeah, just depending on what's going on.","start":1677.9551,"end":1680.135,"sentiment":"neutral","sentiment_score":0.09318190706627709}],"sentiment":"neutral","sentiment_score":0.09318190706627709,"channel":1,"num_words":7,"start":1677.9551,"end":1680.135},{"sentences":[{"text":"Yeah.","start":1680.65,"end":1681.13,"sentiment":"neutral","sentiment_score":0.3141688406467438}],"sentiment":"neutral","sentiment_score":0.3141688406467438,"channel":0,"num_words":1,"start":1680.65,"end":1681.13},{"sentences":[{"text":"Professional.","start":1680.915,"end":1681.415,"sentiment":"positive","sentiment_score":0.35487914085388184}],"sentiment":"positive","sentiment_score":0.35487914085388184,"channel":1,"num_words":1,"start":1680.915,"end":1681.415},{"sentences":[{"text":"Perfect.","start":1681.13,"end":1681.53,"sentiment":"positive","sentiment_score":0.5596846342086792},{"text":"Well, you can always sort of work things on more of a worst case scenario saying that she's you know, if she does retire at the same time as you, this might be the the likelihood of things.","start":1681.53,"end":1692.59,"sentiment":"neutral","sentiment_score":0.1299394686755381},{"text":"Do you know what her income is at the moment or what she's earning?","start":1692.995,"end":1696.375,"sentiment":"neutral","sentiment_score":0.03271005116403103}],"sentiment":"neutral","sentiment_score":0.11236462566368985,"channel":0,"num_words":53,"start":1681.13,"end":1696.375},{"sentences":[{"text":"Yeah.","start":1697.74,"end":1698.06,"sentiment":"neutral","sentiment_score":0.032826390117406845},{"text":"It's a Ram around $8,900.","start":1698.06,"end":1700.735,"sentiment":"neutral","sentiment_score":0.04588482901453972}],"sentiment":"neutral","sentiment_score":0.04370842253168424,"channel":1,"num_words":6,"start":1697.74,"end":1700.735},{"sentences":[{"text":"900 per week?","start":1701.555,"end":1703.175,"sentiment":"neutral","sentiment_score":0.03007042035460472}],"sentiment":"neutral","sentiment_score":0.03007042035460472,"channel":0,"num_words":3,"start":1701.555,"end":1703.175},{"sentences":[{"text":"Yeah.","start":1702.9551,"end":1703.4551,"sentiment":"neutral","sentiment_score":0.0646393820643425},{"text":"Yeah.","start":1703.755,"end":1703.915,"sentiment":"neutral","sentiment_score":0.09268230199813844},{"text":"Got","start":1703.915,"end":1704.155,"sentiment":"neutral","sentiment_score":0.15668988227844238}],"sentiment":"neutral","sentiment_score":0.1046705221136411,"channel":1,"num_words":3,"start":1702.9551,"end":1704.155},{"sentences":[{"text":"Yep.","start":1704.035,"end":1704.535,"sentiment":"neutral","sentiment_score":0.18740515410900116}],"sentiment":"neutral","sentiment_score":0.18740515410900116,"channel":0,"num_words":1,"start":1704.035,"end":1704.535},{"sentences":[{"text":"that.","start":1704.155,"end":1704.655,"sentiment":"neutral","sentiment_score":0.28295934200286865}],"sentiment":"neutral","sentiment_score":0.28295934200286865,"channel":1,"num_words":1,"start":1704.155,"end":1704.655},{"sentences":[{"text":"Perfect.","start":1704.5951,"end":1705.0951,"sentiment":"positive","sentiment_score":0.6778361797332764},{"text":"Lovely.","start":1705.5599,"end":1705.7999,"sentiment":"positive","sentiment_score":0.6528815627098083},{"text":"And do you have any sort of idea what her approximate super balance might be just for the the overall retirement side of things?","start":1705.7999,"end":1712.2999,"sentiment":"neutral","sentiment_score":0.1360195636128386},{"text":"If you don't, that's okay.","start":1715.08,"end":1716.46,"sentiment":"neutral","sentiment_score":0.027351706475019454}],"sentiment":"neutral","sentiment_score":0.15264341295246156,"channel":0,"num_words":31,"start":1704.5951,"end":1716.46},{"sentences":[{"text":"No.","start":1717.13,"end":1717.37,"sentiment":"neutral","sentiment_score":-0.057980772107839584},{"text":"No.","start":1717.37,"end":1717.61,"sentiment":"neutral","sentiment_score":-0.07644771039485931},{"text":"I don't.","start":1717.61,"end":1718.0901,"sentiment":"neutral","sentiment_score":-0.08343023806810379},{"text":"I forget.","start":1718.0901,"end":1718.67,"sentiment":"neutral","sentiment_score":-0.06159919500350952}],"sentiment":"neutral","sentiment_score":-0.07074789144098759,"channel":1,"num_words":6,"start":1717.13,"end":1718.67},{"sentences":[{"text":"No.","start":1718.6749,"end":1719.1749,"sentiment":"neutral","sentiment_score":-0.0510549321770668},{"text":"No.","start":1719.395,"end":1719.715,"sentiment":"neutral","sentiment_score":-0.038560204207897186},{"text":"That's okay.","start":1719.715,"end":1720.515,"sentiment":"neutral","sentiment_score":0.026750116609036922},{"text":"That's not a problem at all.","start":1720.515,"end":1722.215,"sentiment":"neutral","sentiment_score":0.10683464010556538},{"text":"Does she have super?","start":1723.5549,"end":1724.6749,"sentiment":"neutral","sentiment_score":0.0248305331915617}],"sentiment":"neutral","sentiment_score":0.05030107644519636,"channel":0,"num_words":14,"start":1718.6749,"end":1724.6749},{"sentences":[{"text":"Does she have a little bit of super?","start":1724.6749,"end":1726.375,"sentiment":"neutral","sentiment_score":0.01827389420941472}],"sentiment":"neutral","sentiment_score":0.01827389420941472,"channel":0,"num_words":8,"start":1724.6749,"end":1726.375},{"sentences":[{"text":"And yeah.","start":1727.995,"end":1728.475,"sentiment":"neutral","sentiment_score":0.022470091469585896},{"text":"Yeah.","start":1728.475,"end":1728.975,"sentiment":"neutral","sentiment_score":0.05618150532245636},{"text":"Pretty sure she's got something.","start":1729.035,"end":1730.475,"sentiment":"neutral","sentiment_score":0.046063462644815444},{"text":"I'm just","start":1730.475,"end":1731.215,"sentiment":"neutral","sentiment_score":-0.02081294916570187}],"sentiment":"neutral","sentiment_score":0.028981310315430164,"channel":1,"num_words":10,"start":1727.995,"end":1731.215},{"sentences":[{"text":"Yep.","start":1731.33,"end":1731.83,"sentiment":"neutral","sentiment_score":-0.015295813791453838}],"sentiment":"neutral","sentiment_score":-0.015295813791453838,"channel":0,"num_words":1,"start":1731.33,"end":1731.83},{"sentences":[{"text":"it's not it's not a lot either, I don't think.","start":1732.155,"end":1734.415,"sentiment":"neutral","sentiment_score":-0.05022816956043243},{"text":"But","start":1734.475,"end":1734.975,"sentiment":"neutral","sentiment_score":-0.00888855755329132}],"sentiment":"neutral","sentiment_score":-0.0464700230143287,"channel":1,"num_words":11,"start":1732.155,"end":1734.975},{"sentences":[{"text":"Okay.","start":1734.9299,"end":1735.4299,"sentiment":"neutral","sentiment_score":0.001514337956905365}],"sentiment":"neutral","sentiment_score":0.001514337956905365,"channel":0,"num_words":1,"start":1734.9299,"end":1735.4299},{"sentences":[{"text":"yeah.","start":1737.355,"end":1737.855,"sentiment":"neutral","sentiment_score":0.012430205009877682}],"sentiment":"neutral","sentiment_score":0.012430205009877682,"channel":1,"num_words":1,"start":1737.355,"end":1737.855},{"sentences":[{"text":"Yep.","start":1738.53,"end":1738.77,"sentiment":"neutral","sentiment_score":0.0206439308822155},{"text":"That's","start":1738.77,"end":1739.09,"sentiment":"neutral","sentiment_score":0.02364409528672695}],"sentiment":"neutral","sentiment_score":0.022144013084471226,"channel":0,"num_words":2,"start":1738.53,"end":1739.09},{"sentences":[{"text":"Yeah.","start":1738.955,"end":1739.275,"sentiment":"neutral","sentiment_score":0.0232740119099617}],"sentiment":"neutral","sentiment_score":0.0232740119099617,"channel":1,"num_words":1,"start":1738.955,"end":1739.275},{"sentences":[{"text":"okay.","start":1739.09,"end":1739.33,"sentiment":"neutral","sentiment_score":0.017696531489491463}],"sentiment":"neutral","sentiment_score":0.017696531489491463,"channel":0,"num_words":1,"start":1739.09,"end":1739.33},{"sentences":[{"text":"I'm","start":1739.275,"end":1739.515,"sentiment":"neutral","sentiment_score":0.0001716601400403306}],"sentiment":"neutral","sentiment_score":0.0001716601400403306,"channel":1,"num_words":1,"start":1739.275,"end":1739.515},{"sentences":[{"text":"Do you","start":1739.33,"end":1739.57,"sentiment":"neutral","sentiment_score":-0.017386133782565594}],"sentiment":"neutral","sentiment_score":-0.017386133782565594,"channel":0,"num_words":2,"start":1739.33,"end":1739.57},{"sentences":[{"text":"not","start":1739.515,"end":1739.73,"sentiment":"neutral","sentiment_score":-0.023579301312565804}],"sentiment":"neutral","sentiment_score":-0.023579301312565804,"channel":1,"num_words":1,"start":1739.515,"end":1739.73},{"sentences":[{"text":"think it's","start":1739.57,"end":1739.89,"sentiment":"neutral","sentiment_score":-0.021124308928847313}],"sentiment":"neutral","sentiment_score":-0.021124308928847313,"channel":0,"num_words":2,"start":1739.57,"end":1739.89},{"sentences":[{"text":"sure.","start":1739.8099,"end":1740.3099,"sentiment":"neutral","sentiment_score":-0.030615007504820824}],"sentiment":"neutral","sentiment_score":-0.030615007504820824,"channel":1,"num_words":1,"start":1739.8099,"end":1740.3099},{"sentences":[{"text":"more on the north side or south side of maybe a 100,000?","start":1739.89,"end":1743.03,"sentiment":"neutral","sentiment_score":-0.011490769373873869}],"sentiment":"neutral","sentiment_score":-0.011490769373873869,"channel":0,"num_words":12,"start":1739.89,"end":1743.03},{"sentences":[{"text":"Yeah.","start":1751.01,"end":1751.51,"sentiment":"neutral","sentiment_score":-0.02290651947259903},{"text":"I I maybe I","start":1752.04,"end":1755.6951,"sentiment":"neutral","sentiment_score":-0.03624924272298813}],"sentiment":"neutral","sentiment_score":-0.03358069807291031,"channel":1,"num_words":5,"start":1751.01,"end":1755.6951},{"sentences":[{"text":"That's","start":1755.5449,"end":1755.865,"sentiment":"neutral","sentiment_score":-0.07513310015201569}],"sentiment":"neutral","sentiment_score":-0.07513310015201569,"channel":0,"num_words":1,"start":1755.5449,"end":1755.865},{"sentences":[{"text":"don't","start":1755.6951,"end":1756.015,"sentiment":"neutral","sentiment_score":-0.0997605323791504}],"sentiment":"neutral","sentiment_score":-0.0997605323791504,"channel":1,"num_words":1,"start":1755.6951,"end":1756.015},{"sentences":[{"text":"okay.","start":1755.865,"end":1756.365,"sentiment":"neutral","sentiment_score":-0.10645225644111632}],"sentiment":"neutral","sentiment_score":-0.10645225644111632,"channel":0,"num_words":1,"start":1755.865,"end":1756.365},{"sentences":[{"text":"know for sure.","start":1756.015,"end":1756.915,"sentiment":"neutral","sentiment_score":-0.07215669006109238},{"text":"I'd say I'd say the South Side maybe.","start":1757.375,"end":1760.035,"sentiment":"neutral","sentiment_score":-0.024785380577668548}],"sentiment":"neutral","sentiment_score":-0.03770482861860232,"channel":1,"num_words":11,"start":1756.015,"end":1760.035},{"sentences":[{"text":"Yep.","start":1760.58,"end":1760.9,"sentiment":"neutral","sentiment_score":0.028631627559661865},{"text":"Yep.","start":1760.9,"end":1761.22,"sentiment":"neutral","sentiment_score":0.04852161929011345},{"text":"That's okay.","start":1761.22,"end":1762.02,"sentiment":"neutral","sentiment_score":0.1013244166970253},{"text":"Not a problem.","start":1762.02,"end":1762.74,"sentiment":"neutral","sentiment_score":0.11145733048518498},{"text":"So I'll just put down here approximate between, say, maybe 50 to a 100,000 just so we can sort","start":1762.74,"end":1767.86,"sentiment":"neutral","sentiment_score":0.04360709486431197}],"sentiment":"neutral","sentiment_score":0.05548880285081955,"channel":0,"num_words":26,"start":1760.58,"end":1767.86},{"sentences":[{"text":"Yeah.","start":1767.79,"end":1767.87,"sentiment":"neutral","sentiment_score":0.04352162778377533}],"sentiment":"neutral","sentiment_score":0.04352162778377533,"channel":1,"num_words":1,"start":1767.79,"end":1767.87},{"sentences":[{"text":"of","start":1767.86,"end":1768.02,"sentiment":"neutral","sentiment_score":0.026884187012910843}],"sentiment":"neutral","sentiment_score":0.026884187012910843,"channel":0,"num_words":1,"start":1767.86,"end":1768.02},{"sentences":[{"text":"That's","start":1767.87,"end":1768.37,"sentiment":"neutral","sentiment_score":0.056335173547267914}],"sentiment":"neutral","sentiment_score":0.056335173547267914,"channel":1,"num_words":1,"start":1767.87,"end":1768.37},{"sentences":[{"text":"really get into the retirement side of things and sort of show you what we're hoping or expecting based on the projected outcome.","start":1768.02,"end":1774.5349,"sentiment":"neutral","sentiment_score":0.06400380445563275},{"text":"And often","start":1774.5349,"end":1775.095,"sentiment":"neutral","sentiment_score":0.030506182461977005}],"sentiment":"neutral","sentiment_score":0.06132399469614029,"channel":0,"num_words":25,"start":1768.02,"end":1775.095},{"sentences":[{"text":"it.","start":1774.91,"end":1775.41,"sentiment":"neutral","sentiment_score":0.02671700343489647}],"sentiment":"neutral","sentiment_score":0.02671700343489647,"channel":1,"num_words":1,"start":1774.91,"end":1775.41},{"sentences":[{"text":"because you are a couple, your partner's sort of circumstances can be a big part of that.","start":1775.095,"end":1780.2949,"sentiment":"neutral","sentiment_score":0.015618674210546649},{"text":"And later on down the track, if you wanted me to, we could always have a chat to her as well, maybe incorporate and do some joint advice to sorta help you guys along.","start":1780.2949,"end":1788.23,"sentiment":"neutral","sentiment_score":0.09203580131425577},{"text":"So but for the moment, we'll just work on this.","start":1788.23,"end":1791.4299,"sentiment":"neutral","sentiment_score":0.05363132320344448},{"text":"Yeah.","start":1791.4299,"end":1791.83,"sentiment":"neutral","sentiment_score":0.20111526548862457},{"text":"Absolutely.","start":1791.83,"end":1792.33,"sentiment":"positive","sentiment_score":0.35669970512390137}],"sentiment":"neutral","sentiment_score":0.07125179220493587,"channel":0,"num_words":63,"start":1775.095,"end":1792.33},{"sentences":[{"text":"Perfect.","start":1792.71,"end":1793.21,"sentiment":"neutral","sentiment_score":0.31899112462997437},{"text":"And you guys, do you have any kids living at home?","start":1793.99,"end":1796.39,"sentiment":"neutral","sentiment_score":-0.0004728558176959103},{"text":"I don't I've got down here, there's no financial dependents living","start":1796.39,"end":1799.585,"sentiment":"neutral","sentiment_score":-0.0737424912777814}],"sentiment":"neutral","sentiment_score":-0.021625117105229394,"channel":0,"num_words":23,"start":1792.71,"end":1799.585},{"sentences":[{"text":"No.","start":1800.36,"end":1800.6,"sentiment":"neutral","sentiment_score":-0.12461715936660768},{"text":"It's alright.","start":1800.6,"end":1801.26,"sentiment":"neutral","sentiment_score":-0.07612684369087219}],"sentiment":"neutral","sentiment_score":-0.09229028224945068,"channel":1,"num_words":3,"start":1800.36,"end":1801.26},{"sentences":[{"text":"at home.","start":1801.405,"end":1801.8049,"sentiment":"neutral","sentiment_score":-0.04000461660325527},{"text":"No?","start":1801.8049,"end":1802.3049,"sentiment":"neutral","sentiment_score":-0.05980345606803894}],"sentiment":"neutral","sentiment_score":-0.04660422975818316,"channel":0,"num_words":3,"start":1801.405,"end":1802.3049},{"sentences":[{"text":"Oh, they're not.","start":1802.04,"end":1803.02,"sentiment":"neutral","sentiment_score":-0.07745685428380966}],"sentiment":"neutral","sentiment_score":-0.07745685428380966,"channel":1,"num_words":3,"start":1802.04,"end":1803.02},{"sentences":[{"text":"Perfect.","start":1802.9249,"end":1803.4249,"sentiment":"positive","sentiment_score":0.4457883834838867},{"text":"Lovely.","start":1803.645,"end":1804.145,"sentiment":"positive","sentiment_score":0.5645723342895508},{"text":"Excellent.","start":1805.405,"end":1805.905,"sentiment":"positive","sentiment_score":0.5786025524139404},{"text":"And I've got so three days a week.","start":1807.485,"end":1810.125,"sentiment":"neutral","sentiment_score":0.3225127700716257},{"text":"I've got your income.","start":1810.125,"end":1811.005,"sentiment":"positive","sentiment_score":0.3916809558868408}],"sentiment":"positive","sentiment_score":0.38238595028718314,"channel":0,"num_words":15,"start":1802.9249,"end":1811.005},{"sentences":[{"text":"Everything's perfect there.","start":1811.005,"end":1812.54,"sentiment":"positive","sentiment_score":0.5879260102907816},{"text":"Next thing to sort of consider is how just having a look at your regular so your assets and how they may have changed from we when we spoke last year.","start":1812.9401,"end":1821.98,"sentiment":"neutral","sentiment_score":0.009431663480016493},{"text":"So I have done here you've got a ute.","start":1821.98,"end":1823.98,"sentiment":"neutral","sentiment_score":0.006186100292123026},{"text":"We had an asset value there of about 10,000.","start":1823.98,"end":1827.12,"sentiment":"neutral","sentiment_score":0.00045964701308144466},{"text":"If you had to sell your ute, what sort of value do you think you might be able to get for that?","start":1827.7849,"end":1832.445,"sentiment":"neutral","sentiment_score":-0.013783793832937425}],"sentiment":"neutral","sentiment_score":0.024496322434798285,"channel":0,"num_words":74,"start":1811.005,"end":1832.445},{"sentences":[{"text":"Well, that one, that's probably gone now.","start":1834.49,"end":1836.57,"sentiment":"neutral","sentiment_score":-0.17456354200839996},{"text":"We've got another one.","start":1836.57,"end":1837.79,"sentiment":"neutral","sentiment_score":-0.10977568291127682}],"sentiment":"neutral","sentiment_score":-0.151004320518537,"channel":1,"num_words":11,"start":1834.49,"end":1837.79},{"sentences":[{"text":"Okay.","start":1837.465,"end":1837.965,"sentiment":"neutral","sentiment_score":-0.02137867547571659},{"text":"Yep.","start":1838.105,"end":1838.605,"sentiment":"neutral","sentiment_score":-0.007778089493513107}],"sentiment":"neutral","sentiment_score":-0.014578382484614849,"channel":0,"num_words":2,"start":1837.465,"end":1838.605},{"sentences":[{"text":"It's it's probably up around 20 right now or maybe","start":1839.29,"end":1844.225,"sentiment":"neutral","sentiment_score":-0.011231442354619503}],"sentiment":"neutral","sentiment_score":-0.011231442354619503,"channel":1,"num_words":10,"start":1839.29,"end":1844.225},{"sentences":[{"text":"Okay.","start":1844.12,"end":1844.62,"sentiment":"neutral","sentiment_score":-0.004024202935397625}],"sentiment":"neutral","sentiment_score":-0.004024202935397625,"channel":0,"num_words":1,"start":1844.12,"end":1844.62},{"sentences":[{"text":"15.","start":1844.225,"end":1844.725,"sentiment":"neutral","sentiment_score":0.00018995720893144608}],"sentiment":"neutral","sentiment_score":0.00018995720893144608,"channel":1,"num_words":1,"start":1844.225,"end":1844.725},{"sentences":[{"text":"'15.","start":1845.72,"end":1846.22,"sentiment":"neutral","sentiment_score":0.004154843278229237},{"text":"Beautiful.","start":1846.36,"end":1846.76,"sentiment":"neutral","sentiment_score":0.09040705859661102},{"text":"What kind of year is it?","start":1846.76,"end":1848.0599,"sentiment":"neutral","sentiment_score":0.020490532275289297}],"sentiment":"neutral","sentiment_score":0.027188136940822005,"channel":0,"num_words":8,"start":1845.72,"end":1848.0599},{"sentences":[{"text":"This one is Colorado","start":1849.1849,"end":1850.1649,"sentiment":"neutral","sentiment_score":0.011349817737936974}],"sentiment":"neutral","sentiment_score":0.011349817737936974,"channel":1,"num_words":4,"start":1849.1849,"end":1850.1649},{"sentences":[{"text":"Okay.","start":1851.16,"end":1851.64,"sentiment":"neutral","sentiment_score":0.06892561167478561},{"text":"Perfect.","start":1851.64,"end":1852.14,"sentiment":"neutral","sentiment_score":0.15393641591072085}],"sentiment":"neutral","sentiment_score":0.11143101379275323,"channel":0,"num_words":2,"start":1851.16,"end":1852.14},{"sentences":[{"text":"'20","start":1851.9299,"end":1852.4299,"sentiment":"neutral","sentiment_score":0.09399785101413728}],"sentiment":"neutral","sentiment_score":0.09399785101413728,"channel":1,"num_words":1,"start":1851.9299,"end":1852.4299},{"sentences":[{"text":"Beautiful.","start":1854.7749,"end":1855.255,"sentiment":"neutral","sentiment_score":0.2053147852420807},{"text":"'16.","start":1855.255,"end":1855.755,"sentiment":"neutral","sentiment_score":0.04835435375571251}],"sentiment":"neutral","sentiment_score":0.1268345694988966,"channel":0,"num_words":2,"start":1854.7749,"end":1855.755},{"sentences":[{"text":"'20","start":1855.35,"end":1855.85,"sentiment":"neutral","sentiment_score":0.060288719832897186}],"sentiment":"neutral","sentiment_score":0.060288719832897186,"channel":1,"num_words":1,"start":1855.35,"end":1855.85},{"sentences":[{"text":"Excellent.","start":1856.215,"end":1856.715,"sentiment":"neutral","sentiment_score":0.26957643032073975},{"text":"Thank you for that.","start":1856.855,"end":1857.995,"sentiment":"positive","sentiment_score":0.3761015310883522}],"sentiment":"positive","sentiment_score":0.3547965109348297,"channel":0,"num_words":5,"start":1856.215,"end":1857.995},{"sentences":[{"text":"'16","start":1858.77,"end":1859.27,"sentiment":"neutral","sentiment_score":0.04207249730825424}],"sentiment":"neutral","sentiment_score":0.04207249730825424,"channel":1,"num_words":1,"start":1858.77,"end":1859.27},{"sentences":[{"text":"And I also had it noted here you had a boat with an asset value of","start":1858.855,"end":1862.2949,"sentiment":"neutral","sentiment_score":0.015621850499883294}],"sentiment":"neutral","sentiment_score":0.015621850499883294,"channel":0,"num_words":16,"start":1858.855,"end":1862.2949},{"sentences":[{"text":"World.","start":1862.19,"end":1862.69,"sentiment":"neutral","sentiment_score":0.016783611848950386}],"sentiment":"neutral","sentiment_score":0.016783611848950386,"channel":1,"num_words":1,"start":1862.19,"end":1862.69},{"sentences":[{"text":"about 30,000.","start":1862.2949,"end":1863.4149,"sentiment":"neutral","sentiment_score":0.01035197451710701},{"text":"Do you still have your boat there?","start":1863.4149,"end":1865.195,"sentiment":"neutral","sentiment_score":0.005982191834066596}],"sentiment":"neutral","sentiment_score":0.0069532546525200205,"channel":0,"num_words":9,"start":1862.2949,"end":1865.195},{"sentences":[{"text":"Yeah.","start":1865.61,"end":1866.09,"sentiment":"neutral","sentiment_score":0.02376702800393105},{"text":"Yep.","start":1866.09,"end":1866.495,"sentiment":"neutral","sentiment_score":0.028450611978769302}],"sentiment":"neutral","sentiment_score":0.026108819991350174,"channel":1,"num_words":2,"start":1865.61,"end":1866.495},{"sentences":[{"text":"Yep.","start":1866.7,"end":1867.1799,"sentiment":"neutral","sentiment_score":0.04582908749580383},{"text":"Beautiful.","start":1867.1799,"end":1867.58,"sentiment":"neutral","sentiment_score":0.11520901322364809},{"text":"Do you get out very often in it?","start":1867.58,"end":1869.52,"sentiment":"neutral","sentiment_score":0.019532632431946695}],"sentiment":"neutral","sentiment_score":0.031729916017502545,"channel":0,"num_words":10,"start":1866.7,"end":1869.52},{"sentences":[{"text":"Not not as much as I should, but every chance I get.","start":1871.375,"end":1876.995,"sentiment":"neutral","sentiment_score":-0.025335016039510567}],"sentiment":"neutral","sentiment_score":-0.025335016039510567,"channel":1,"num_words":12,"start":1871.375,"end":1876.995},{"sentences":[{"text":"Absolutely.","start":1877.915,"end":1878.415,"sentiment":"neutral","sentiment_score":0.01993447169661522},{"text":"Do you still think the Evoque and Moda sort of all combined might be still around that $30,000 mark, or might you alter that asset value at all?","start":1879.275,"end":1888.415,"sentiment":"neutral","sentiment_score":-0.01625539009858455}],"sentiment":"neutral","sentiment_score":-0.015007463829784557,"channel":0,"num_words":29,"start":1877.915,"end":1888.415},{"sentences":[{"text":"Oh, I think it's still yeah.","start":1888.99,"end":1891.515,"sentiment":"neutral","sentiment_score":-0.011902921522657076},{"text":"It should be the store in there.","start":1891.515,"end":1892.915,"sentiment":"neutral","sentiment_score":0.003472929687372276},{"text":"Yeah.","start":1892.915,"end":1893.415,"sentiment":"neutral","sentiment_score":0.003767023794353008}],"sentiment":"neutral","sentiment_score":-0.003095714109284537,"channel":1,"num_words":14,"start":1888.99,"end":1893.415},{"sentences":[{"text":"The same?","start":1893.69,"end":1894.17,"sentiment":"neutral","sentiment_score":0.00392138073220849},{"text":"Yep.","start":1894.17,"end":1894.57,"sentiment":"neutral","sentiment_score":0.046947818249464035},{"text":"Perfect.","start":1894.57,"end":1895.07,"sentiment":"neutral","sentiment_score":0.15165653824806213},{"text":"Excellent.","start":1895.21,"end":1895.71,"sentiment":"neutral","sentiment_score":0.14315539598464966},{"text":"I also had down here another car that you guys own.","start":1896.17,"end":1899.37,"sentiment":"neutral","sentiment_score":0.006015598773956299}],"sentiment":"neutral","sentiment_score":0.025985881278757006,"channel":0,"num_words":16,"start":1893.69,"end":1899.37},{"sentences":[{"text":"I'm sorry.","start":1899.37,"end":1899.77,"sentiment":"neutral","sentiment_score":-0.04047616384923458},{"text":"It doesn't tell me what kind of car it is, but the asset value is about 15,000.","start":1899.77,"end":1904.11,"sentiment":"neutral","sentiment_score":-0.028793542810222682},{"text":"Thinking about any other vehicles that you might have, would that be correct, or would you alter that value a little bit?","start":1904.585,"end":1910.125,"sentiment":"neutral","sentiment_score":-0.018137158064002342}],"sentiment":"neutral","sentiment_score":-0.023645366655617225,"channel":0,"num_words":41,"start":1899.37,"end":1910.125},{"sentences":[{"text":"You know, that one's gone too, but the other","start":1911.54,"end":1914.02,"sentiment":"neutral","sentiment_score":-0.042023654406269394}],"sentiment":"neutral","sentiment_score":-0.042023654406269394,"channel":1,"num_words":9,"start":1911.54,"end":1914.02},{"sentences":[{"text":"Yep.","start":1913.945,"end":1914.445,"sentiment":"neutral","sentiment_score":-0.016567181795835495}],"sentiment":"neutral","sentiment_score":-0.016567181795835495,"channel":0,"num_words":1,"start":1913.945,"end":1914.445},{"sentences":[{"text":"one is a new one.","start":1914.02,"end":1916.3401,"sentiment":"neutral","sentiment_score":-0.023476036638021468},{"text":"It's probably around the 50, and and","start":1916.3401,"end":1919.605,"sentiment":"neutral","sentiment_score":-0.02023486314075334}],"sentiment":"neutral","sentiment_score":-0.02158535209794839,"channel":1,"num_words":12,"start":1914.02,"end":1919.605},{"sentences":[{"text":"Yep.","start":1919.56,"end":1920.06,"sentiment":"neutral","sentiment_score":-0.028848743066191673}],"sentiment":"neutral","sentiment_score":-0.028848743066191673,"channel":0,"num_words":1,"start":1919.56,"end":1920.06},{"sentences":[{"text":"we owe we owe a little bit on it.","start":1919.605,"end":1921.205,"sentiment":"neutral","sentiment_score":-0.06014364336927732},{"text":"So that was","start":1921.205,"end":1922.325,"sentiment":"neutral","sentiment_score":-0.006900382538636525}],"sentiment":"neutral","sentiment_score":-0.04683282816161712,"channel":1,"num_words":12,"start":1919.605,"end":1922.325},{"sentences":[{"text":"Okay.","start":1922.28,"end":1922.78,"sentiment":"neutral","sentiment_score":-0.006892470642924309}],"sentiment":"neutral","sentiment_score":-0.006892470642924309,"channel":0,"num_words":1,"start":1922.28,"end":1922.78},{"sentences":[{"text":"another question I I had.","start":1922.325,"end":1924.505,"sentiment":"neutral","sentiment_score":-0.014819703996181488}],"sentiment":"neutral","sentiment_score":-0.014819703996181488,"channel":1,"num_words":5,"start":1922.325,"end":1924.505},{"sentences":[{"text":"Yeah.","start":1924.92,"end":1925.42,"sentiment":"neutral","sentiment_score":0.14913053810596466}],"sentiment":"neutral","sentiment_score":0.14913053810596466,"channel":0,"num_words":1,"start":1924.92,"end":1925.42},{"sentences":[{"text":"Would I be able to get some money out to pay towards that debt?","start":1925.365,"end":1930.825,"sentiment":"neutral","sentiment_score":0.19577206458364213}],"sentiment":"neutral","sentiment_score":0.19577206458364213,"channel":1,"num_words":14,"start":1925.365,"end":1930.825},{"sentences":[{"text":"You could do if you wanted to access it, but we could utilize that transition retirement strategy this financial year to access a little bit of the money to cover the debt if you wanted to do it that way.","start":1931.655,"end":1943.015,"sentiment":"neutral","sentiment_score":0.2617714758962393},{"text":"And then we may be, in the next financial year, start it to maybe factor in the changes to contributions and look at that as a growth strategy.","start":1943.015,"end":1950.77,"sentiment":"neutral","sentiment_score":0.309727033334119},{"text":"I can absolutely do that for you.","start":1951.15,"end":1953.25,"sentiment":"positive","sentiment_score":0.7510938048362732},{"text":"Obviously, taking money out of super now without replenishing it back, it does sort of mean that you are gonna have less in super, but I can do the research around to sort of see if it's gonna provide greater growth if we start that around July.","start":1954.59,"end":1968.605,"sentiment":"neutral","sentiment_score":0.17531019496790906},{"text":"Would that be okay?","start":1968.605,"end":1969.485,"sentiment":"neutral","sentiment_score":0.20339596271514893}],"sentiment":"neutral","sentiment_score":0.2655082191858027,"channel":0,"num_words":126,"start":1931.655,"end":1969.485},{"sentences":[{"text":"Would you like me to look at that?","start":1969.485,"end":1971.03,"sentiment":"neutral","sentiment_score":0.07072556763887405}],"sentiment":"neutral","sentiment_score":0.07072556763887405,"channel":0,"num_words":8,"start":1969.485,"end":1971.03},{"sentences":[{"text":"Yeah.","start":1972.19,"end":1972.59,"sentiment":"neutral","sentiment_score":0.05234207585453987},{"text":"Yeah.","start":1972.59,"end":1973.09,"sentiment":"neutral","sentiment_score":0.05913763865828514},{"text":"It's just just to reduce that debt, I guess,","start":1973.3099,"end":1976.005,"sentiment":"neutral","sentiment_score":0.05012331799500518}],"sentiment":"neutral","sentiment_score":0.051144506951624695,"channel":1,"num_words":11,"start":1972.19,"end":1976.005},{"sentences":[{"text":"Yeah.","start":1975.8301,"end":1976.3301,"sentiment":"neutral","sentiment_score":0.012637373059988022}],"sentiment":"neutral","sentiment_score":0.012637373059988022,"channel":0,"num_words":1,"start":1975.8301,"end":1976.3301},{"sentences":[{"text":"but","start":1976.005,"end":1976.505,"sentiment":"neutral","sentiment_score":0.01375393569469452}],"sentiment":"neutral","sentiment_score":0.01375393569469452,"channel":1,"num_words":1,"start":1976.005,"end":1976.505},{"sentences":[{"text":"Yeah.","start":1976.63,"end":1977.11,"sentiment":"neutral","sentiment_score":0.017029300332069397}],"sentiment":"neutral","sentiment_score":0.017029300332069397,"channel":0,"num_words":1,"start":1976.63,"end":1977.11},{"sentences":[{"text":"the","start":1976.9651,"end":1977.125,"sentiment":"neutral","sentiment_score":0.006872987374663353}],"sentiment":"neutral","sentiment_score":0.006872987374663353,"channel":1,"num_words":1,"start":1976.9651,"end":1977.125},{"sentences":[{"text":"How","start":1977.11,"end":1977.35,"sentiment":"neutral","sentiment_score":0.002299981191754341}],"sentiment":"neutral","sentiment_score":0.002299981191754341,"channel":0,"num_words":1,"start":1977.11,"end":1977.35},{"sentences":[{"text":"plan","start":1977.125,"end":1977.365,"sentiment":"neutral","sentiment_score":0.005988378077745438}],"sentiment":"neutral","sentiment_score":0.005988378077745438,"channel":1,"num_words":1,"start":1977.125,"end":1977.365},{"sentences":[{"text":"much","start":1977.35,"end":1977.5901,"sentiment":"neutral","sentiment_score":0.010629385709762572}],"sentiment":"neutral","sentiment_score":0.010629385709762572,"channel":0,"num_words":1,"start":1977.35,"end":1977.5901},{"sentences":[{"text":"is","start":1977.365,"end":1977.605,"sentiment":"neutral","sentiment_score":0.00708775594830513}],"sentiment":"neutral","sentiment_score":0.00708775594830513,"channel":1,"num_words":1,"start":1977.365,"end":1977.605},{"sentences":[{"text":"do","start":1977.5901,"end":1977.75,"sentiment":"neutral","sentiment_score":0.014852255582809448}],"sentiment":"neutral","sentiment_score":0.014852255582809448,"channel":0,"num_words":1,"start":1977.5901,"end":1977.75},{"sentences":[{"text":"to pay","start":1977.605,"end":1977.925,"sentiment":"neutral","sentiment_score":0.0028773024678230277}],"sentiment":"neutral","sentiment_score":0.0028773024678230277,"channel":1,"num_words":2,"start":1977.605,"end":1977.925},{"sentences":[{"text":"you","start":1977.75,"end":1977.91,"sentiment":"neutral","sentiment_score":-0.002744704484939575}],"sentiment":"neutral","sentiment_score":-0.002744704484939575,"channel":0,"num_words":1,"start":1977.75,"end":1977.91},{"sentences":[{"text":"it off.","start":1977.925,"end":1978.505,"sentiment":"neutral","sentiment_score":0.004301963374018669}],"sentiment":"neutral","sentiment_score":0.004301963374018669,"channel":1,"num_words":2,"start":1977.925,"end":1978.505},{"sentences":[{"text":"yep.","start":1979.03,"end":1979.53,"sentiment":"neutral","sentiment_score":-0.0018971331883221865},{"text":"How much do you have owing on that car at the moment?","start":1979.67,"end":1982.0901,"sentiment":"neutral","sentiment_score":-0.024033451763292153}],"sentiment":"neutral","sentiment_score":-0.022330658026756003,"channel":0,"num_words":13,"start":1979.03,"end":1982.0901},{"sentences":[{"text":"What is it?","start":1984.245,"end":1985.145,"sentiment":"neutral","sentiment_score":-0.018903379638989765},{"text":"Jeez.","start":1987.125,"end":1987.365,"sentiment":"neutral","sentiment_score":-0.016263112425804138},{"text":"I'm not sure now.","start":1987.365,"end":1988.0851,"sentiment":"neutral","sentiment_score":-0.06904435530304909},{"text":"It's about $40.45.","start":1988.0851,"end":1991.86,"sentiment":"neutral","sentiment_score":-0.03889034936825434},{"text":"I'll have to look at it.","start":1991.86,"end":1993.0801,"sentiment":"neutral","sentiment_score":-0.03159367634604374}],"sentiment":"neutral","sentiment_score":-0.038551986984470314,"channel":1,"num_words":17,"start":1984.245,"end":1993.0801},{"sentences":[{"text":"45,000 roughly.","start":1993.4451,"end":1994.9651,"sentiment":"neutral","sentiment_score":-0.0034321341663599014},{"text":"Yep.","start":1994.9651,"end":1995.125,"sentiment":"neutral","sentiment_score":0.033235110342502594},{"text":"That's okay.","start":1995.125,"end":1995.9451,"sentiment":"neutral","sentiment_score":0.08037090301513672},{"text":"So and what kind of car is it?","start":1996.485,"end":1998.3451,"sentiment":"neutral","sentiment_score":0.012618910521268845}],"sentiment":"neutral","sentiment_score":0.022158764016169768,"channel":0,"num_words":13,"start":1993.4451,"end":1998.3451},{"sentences":[{"text":"It's a I see the m u x.","start":1998.74,"end":2001.0801,"sentiment":"neutral","sentiment_score":0.020721273496747017}],"sentiment":"neutral","sentiment_score":0.020721273496747017,"channel":1,"num_words":8,"start":1998.74,"end":2001.0801},{"sentences":[{"text":"M u x.","start":2001.57,"end":2002.2899,"sentiment":"neutral","sentiment_score":0.04315731550256411},{"text":"Beautiful.","start":2002.2899,"end":2002.7899,"sentiment":"positive","sentiment_score":0.52367103099823},{"text":"They are really popular at the moment.","start":2002.85,"end":2004.69,"sentiment":"positive","sentiment_score":0.45703971811703276},{"text":"I've spoken","start":2004.69,"end":2005.49,"sentiment":"neutral","sentiment_score":0.13494477421045303}],"sentiment":"neutral","sentiment_score":0.31710081174969673,"channel":0,"num_words":13,"start":2001.57,"end":2005.49},{"sentences":[{"text":"Yeah.","start":2005.455,"end":2005.955,"sentiment":"neutral","sentiment_score":0.1436021327972412}],"sentiment":"neutral","sentiment_score":0.1436021327972412,"channel":1,"num_words":1,"start":2005.455,"end":2005.955},{"sentences":[{"text":"to lots of people who have recently purchased those.","start":2005.49,"end":2007.9099,"sentiment":"neutral","sentiment_score":0.14947430458333757}],"sentiment":"neutral","sentiment_score":0.14947430458333757,"channel":0,"num_words":9,"start":2005.49,"end":2007.9099},{"sentences":[{"text":"'22 model.","start":2008.255,"end":2009.2949,"sentiment":"neutral","sentiment_score":0.06034981831908226}],"sentiment":"neutral","sentiment_score":0.06034981831908226,"channel":1,"num_words":2,"start":2008.255,"end":2009.2949},{"sentences":[{"text":"So","start":2009.09,"end":2009.59,"sentiment":"neutral","sentiment_score":0.07194580882787704}],"sentiment":"neutral","sentiment_score":0.07194580882787704,"channel":0,"num_words":1,"start":2009.09,"end":2009.59},{"sentences":[{"text":"Yeah.","start":2009.2949,"end":2009.7949,"sentiment":"neutral","sentiment_score":0.1025453507900238},{"text":"It's","start":2010.4149,"end":2010.655,"sentiment":"neutral","sentiment_score":0.1449764370918274}],"sentiment":"neutral","sentiment_score":0.1237608939409256,"channel":1,"num_words":2,"start":2009.2949,"end":2010.655},{"sentences":[{"text":"yeah.","start":2010.45,"end":2010.95,"sentiment":"neutral","sentiment_score":0.12747907638549805}],"sentiment":"neutral","sentiment_score":0.12747907638549805,"channel":0,"num_words":1,"start":2010.45,"end":2010.95},{"sentences":[{"text":"just yeah.","start":2010.655,"end":2011.455,"sentiment":"neutral","sentiment_score":0.10817562788724899},{"text":"We should've needed a car at the time and probably went a bit bit more than I wanted to, but it was a good car.","start":2011.455,"end":2021.29,"sentiment":"neutral","sentiment_score":0.17458101302385332},{"text":"So","start":2021.29,"end":2021.79,"sentiment":"neutral","sentiment_score":0.15212960541248322}],"sentiment":"neutral","sentiment_score":0.1690359352422612,"channel":1,"num_words":28,"start":2010.655,"end":2021.79},{"sentences":[{"text":"Yeah.","start":2021.515,"end":2021.915,"sentiment":"neutral","sentiment_score":0.17234906554222107},{"text":"Yeah.","start":2021.915,"end":2022.415,"sentiment":"neutral","sentiment_score":0.1918073892593384}],"sentiment":"neutral","sentiment_score":0.18207822740077972,"channel":0,"num_words":2,"start":2021.515,"end":2022.415},{"sentences":[{"text":"yeah.","start":2023.37,"end":2023.77,"sentiment":"neutral","sentiment_score":0.21061113476753235},{"text":"It's yeah.","start":2023.77,"end":2024.97,"sentiment":"neutral","sentiment_score":0.2753729522228241},{"text":"Just give us something a bit more reliable and all that.","start":2024.97,"end":2030.155,"sentiment":"neutral","sentiment_score":0.22056975012475794},{"text":"So I just said it is at the time and and just working on paying that off as quick as","start":2030.6951,"end":2036.6151,"sentiment":"neutral","sentiment_score":0.20346703380346298}],"sentiment":"neutral","sentiment_score":0.2134401460780817,"channel":1,"num_words":34,"start":2023.37,"end":2036.6151},{"sentences":[{"text":"Yep.","start":2036.505,"end":2037.005,"sentiment":"neutral","sentiment_score":0.12733455002307892}],"sentiment":"neutral","sentiment_score":0.12733455002307892,"channel":0,"num_words":1,"start":2036.505,"end":2037.005},{"sentences":[{"text":"possible.","start":2036.6151,"end":2037.1151,"sentiment":"neutral","sentiment_score":0.17437313497066498}],"sentiment":"neutral","sentiment_score":0.17437313497066498,"channel":1,"num_words":1,"start":2036.6151,"end":2037.1151},{"sentences":[{"text":"Absolutely.","start":2037.865,"end":2038.365,"sentiment":"neutral","sentiment_score":0.30647575855255127},{"text":"Now under that transition retirement strategy that we sort of talked about there, if you were to sort of look at that strategy now to be able to take some funds out of super, essentially, we can access a maximum.","start":2039.145,"end":2053.0,"sentiment":"neutral","sentiment_score":0.12480355873703956},{"text":"There are maximums and minimums that we can access under this strategy on how much you can withdraw out.","start":2053.0,"end":2058.22,"sentiment":"neutral","sentiment_score":0.07389896949538716},{"text":"Essentially, we would be able to access up to 10 of the balance that we transfer into the account based pension side of things.","start":2058.68,"end":2064.52,"sentiment":"neutral","sentiment_score":0.1604993975100418},{"text":"So based on your current balance, we would have to leave generally a minimum of 10,000 behind in the accumulation side of things.","start":2064.52,"end":2071.585,"sentiment":"neutral","sentiment_score":0.01979764631908873}],"sentiment":"neutral","sentiment_score":0.10289747601893957,"channel":0,"num_words":107,"start":2037.865,"end":2071.585},{"sentences":[{"text":"So","start":2072.2048,"end":2072.525,"sentiment":"neutral","sentiment_score":0.11305802315473557}],"sentiment":"neutral","sentiment_score":0.11305802315473557,"channel":0,"num_words":1,"start":2072.2048,"end":2072.525},{"sentences":[{"text":"Yep.","start":2072.33,"end":2072.83,"sentiment":"neutral","sentiment_score":0.15404847264289856}],"sentiment":"neutral","sentiment_score":0.15404847264289856,"channel":1,"num_words":1,"start":2072.33,"end":2072.83},{"sentences":[{"text":"that would, based on the current balance I have at the moment, give us an estimated transfer balance of about a 170,000 there.","start":2072.525,"end":2080.23,"sentiment":"neutral","sentiment_score":0.14842309478832327},{"text":"If we then look at that sorry.","start":2080.61,"end":2085.27,"sentiment":"neutral","sentiment_score":0.024121568139110292},{"text":"Here we go.","start":2086.1301,"end":2087.09,"sentiment":"neutral","sentiment_score":0.019270711267987888},{"text":"So then look at that.","start":2087.09,"end":2088.05,"sentiment":"neutral","sentiment_score":0.055459675192832944},{"text":"So it's about a $170,772.13 there, which would, at the full 10%, if you wanted to do that for this financial year, would give you access to approximately, based on the balance at the moment, of about $17,077.","start":2088.05,"end":2105.625,"sentiment":"neutral","sentiment_score":0.14099020197203285}],"sentiment":"neutral","sentiment_score":0.122043688708034,"channel":0,"num_words":76,"start":2072.525,"end":2105.625},{"sentences":[{"text":"So just slightly.","start":2105.625,"end":2106.605,"sentiment":"neutral","sentiment_score":0.07703288147846858},{"text":"It's not quite enough to pay the car off wholly, but it would give you access to the some of those funds.","start":2106.83,"end":2112.37,"sentiment":"neutral","sentiment_score":-0.01723842763087966},{"text":"It does reduce the balance now.","start":2112.51,"end":2114.19,"sentiment":"neutral","sentiment_score":0.016676974793275196},{"text":"But if you wanted to do it that way, I could look at the strategy to incorporate that now.","start":2114.19,"end":2118.53,"sentiment":"neutral","sentiment_score":0.21116028412392265},{"text":"Then we next financial year, maybe start in July, look at doing that transfer time strategy correctly.","start":2118.75,"end":2125.5352,"sentiment":"neutral","sentiment_score":0.2210778427474639}],"sentiment":"neutral","sentiment_score":0.1152579673190615,"channel":0,"num_words":67,"start":2105.625,"end":2125.5352},{"sentences":[{"text":"So we are drawing money out to replenish your income, but then we start to increase the contributions back to keep your take home pay relatively the same.","start":2125.5352,"end":2134.1,"sentiment":"neutral","sentiment_score":0.2698005698621273},{"text":"Is that sort of what you're after?","start":2134.1,"end":2135.54,"sentiment":"neutral","sentiment_score":0.15947259111063822},{"text":"Is that does that sound like it's what you would like me to look at?","start":2135.54,"end":2138.6,"sentiment":"neutral","sentiment_score":0.11881564011176428}],"sentiment":"neutral","sentiment_score":0.20905917391180992,"channel":0,"num_words":50,"start":2125.5352,"end":2138.6},{"sentences":[{"text":"Yeah.","start":2140.145,"end":2140.465,"sentiment":"neutral","sentiment_score":0.18641898036003113},{"text":"That's yeah.","start":2140.465,"end":2141.5251,"sentiment":"neutral","sentiment_score":0.2683800160884857}],"sentiment":"neutral","sentiment_score":0.2410596708456675,"channel":1,"num_words":3,"start":2140.145,"end":2141.5251},{"sentences":[{"text":"Yep.","start":2141.3,"end":2141.8,"sentiment":"positive","sentiment_score":0.3908350467681885}],"sentiment":"positive","sentiment_score":0.3908350467681885,"channel":0,"num_words":1,"start":2141.3,"end":2141.8},{"sentences":[{"text":"It would be I think the way it goes.","start":2142.5452,"end":2145.185,"sentiment":"positive","sentiment_score":0.434458914730284},{"text":"Because I think overall, it would be better to reduce that debt as quick as possible.","start":2145.185,"end":2150.485,"sentiment":"positive","sentiment_score":0.3673222344368696}],"sentiment":"positive","sentiment_score":0.3914914393424988,"channel":1,"num_words":25,"start":2142.5452,"end":2150.485},{"sentences":[{"text":"Yep.","start":2151.155,"end":2151.655,"sentiment":"neutral","sentiment_score":0.26937615871429443}],"sentiment":"neutral","sentiment_score":0.26937615871429443,"channel":0,"num_words":1,"start":2151.155,"end":2151.655},{"sentences":[{"text":"But is it is it worth it in, like, a $100 cents, I guess?","start":2153.1199,"end":2157.38,"sentiment":"neutral","sentiment_score":0.2316692045756749},{"text":"I guess it it should be.","start":2157.68,"end":2159.7798,"sentiment":"neutral","sentiment_score":0.27069977422555286}],"sentiment":"neutral","sentiment_score":0.2433783754706383,"channel":1,"num_words":20,"start":2153.1199,"end":2159.7798},{"sentences":[{"text":"Yeah.","start":2160.9302,"end":2161.1702,"sentiment":"neutral","sentiment_score":0.2572624683380127}],"sentiment":"neutral","sentiment_score":0.2572624683380127,"channel":0,"num_words":1,"start":2160.9302,"end":2161.1702},{"sentences":[{"text":"Yes.","start":2161.1199,"end":2161.6199,"sentiment":"neutral","sentiment_score":0.3064509332180023}],"sentiment":"neutral","sentiment_score":0.3064509332180023,"channel":1,"num_words":1,"start":2161.1199,"end":2161.6199},{"sentences":[{"text":"Look.","start":2161.1702,"end":2161.49,"sentiment":"neutral","sentiment_score":0.31940239667892456},{"text":"It it's it's honestly not a problem to do.","start":2161.49,"end":2164.87,"sentiment":"neutral","sentiment_score":0.23848880661858451},{"text":"One of the main sort of disadvantages to doing it that way is that, obviously, with the money we are taking out now, if you do leave that money inside Super and just increase your contributions in and we do this strategy the way it's sort of intended to, you're gonna be in a greater position.","start":2165.33,"end":2182.615,"sentiment":"neutral","sentiment_score":-0.07940939860418439},{"text":"However, if you take that money at now, even if we are putting contributions back in, you never actually get yourself back to the position that you would have been in had you not withdrawn.","start":2182.7551,"end":2191.39,"sentiment":"neutral","sentiment_score":-0.041391420736908914},{"text":"But at the same time, taking that money out of the super side of things, it is a tax free withdrawal.","start":2191.77,"end":2197.05,"sentiment":"neutral","sentiment_score":0.0748374146364984}],"sentiment":"neutral","sentiment_score":-0.01523146462306136,"channel":0,"num_words":122,"start":2161.1702,"end":2197.05},{"sentences":[{"text":"You are over 60.","start":2197.05,"end":2198.27,"sentiment":"neutral","sentiment_score":0.14053922146558762},{"text":"It has does help you to reduce the loan amount, and, realistically, you are paying interest on that loan because it is a car","start":2198.97,"end":2205.935,"sentiment":"neutral","sentiment_score":0.12197111764301856}],"sentiment":"neutral","sentiment_score":0.12462370390338558,"channel":0,"num_words":28,"start":2197.05,"end":2205.935},{"sentences":[{"text":"Yes.","start":2205.7751,"end":2206.17,"sentiment":"neutral","sentiment_score":0.05002627894282341}],"sentiment":"neutral","sentiment_score":0.05002627894282341,"channel":1,"num_words":1,"start":2205.7751,"end":2206.17},{"sentences":[{"text":"loan or a personal loan there.","start":2205.935,"end":2207.2952,"sentiment":"neutral","sentiment_score":0.05866383326550325},{"text":"So the interest could certainly outweigh the the return that you might have got on that money.","start":2207.2952,"end":2212.0352,"sentiment":"neutral","sentiment_score":0.09270498397595742},{"text":"Paying","start":2212.495,"end":2212.895,"sentiment":"neutral","sentiment_score":0.08852355182170868}],"sentiment":"neutral","sentiment_score":0.08402046995858352,"channel":0,"num_words":24,"start":2205.935,"end":2212.895},{"sentences":[{"text":"Yes.","start":2212.65,"end":2213.15,"sentiment":"neutral","sentiment_score":0.13618580996990204}],"sentiment":"neutral","sentiment_score":0.13618580996990204,"channel":1,"num_words":1,"start":2212.65,"end":2213.15},{"sentences":[{"text":"down the loan tends to give you a more of a guaranteed rate of return.","start":2212.895,"end":2216.77,"sentiment":"neutral","sentiment_score":0.1835253189007441},{"text":"You are reducing the debt and the amount of interest you pay to the bank for that, which could, in the long term, put you in a better position because you may you know, not having that loan means it's one less thing to factor into expenses into retirement income.","start":2216.77,"end":2229.9902,"sentiment":"neutral","sentiment_score":0.16721364691853524},{"text":"So it's more","start":2230.05,"end":2230.85,"sentiment":"neutral","sentiment_score":0.058508372555176415}],"sentiment":"neutral","sentiment_score":0.16601598892799196,"channel":0,"num_words":68,"start":2212.895,"end":2230.85},{"sentences":[{"text":"Yes.","start":2230.725,"end":2231.225,"sentiment":"neutral","sentiment_score":0.0581805482506752}],"sentiment":"neutral","sentiment_score":0.0581805482506752,"channel":1,"num_words":1,"start":2230.725,"end":2231.225},{"sentences":[{"text":"just about making sure that you're comfortable with that.","start":2230.85,"end":2234.025,"sentiment":"neutral","sentiment_score":0.08386720758345392},{"text":"You are taking money out of the super system to pay it back.","start":2234.025,"end":2237.385,"sentiment":"neutral","sentiment_score":0.0706421913435826},{"text":"It does mean longevity wise, there could be an effect on your super, but it's not the be all and end all.","start":2237.385,"end":2242.825,"sentiment":"neutral","sentiment_score":0.04571402619000186},{"text":"It's it's about making sure you're comfortable with that.","start":2242.825,"end":2245.145,"sentiment":"neutral","sentiment_score":0.056797372384203806},{"text":"And I can show you if you want me to.","start":2245.145,"end":2247.02,"sentiment":"neutral","sentiment_score":0.08904200866818428}],"sentiment":"neutral","sentiment_score":0.06476918047678376,"channel":0,"num_words":63,"start":2230.85,"end":2247.02},{"sentences":[{"text":"I'll do the research around it.","start":2247.02,"end":2248.96,"sentiment":"neutral","sentiment_score":0.06411138859887917},{"text":"I can show you what that looks like, how it affects you, the long term side of things, and factor in the retirement side for you for age 67 to sort of show you what we expect based on these recommendations.","start":2249.02,"end":2260.195,"sentiment":"neutral","sentiment_score":0.06465502428572352},{"text":"Any advice we provide for you, Darren, is always up to you to decide whether you're happy to take you get to decide whether you take all the recommendations, some of them or none of them, and we'll show you the advantages, the disadvantages, and the risks involved.","start":2261.215,"end":2274.29,"sentiment":"neutral","sentiment_score":0.04633876604687733},{"text":"Does that sound alright?","start":2274.29,"end":2275.51,"sentiment":"neutral","sentiment_score":0.04207779560238123}],"sentiment":"neutral","sentiment_score":0.05482925535320784,"channel":0,"num_words":99,"start":2247.02,"end":2275.51},{"sentences":[{"text":"Yeah.","start":2276.09,"end":2276.49,"sentiment":"neutral","sentiment_score":0.04286416620016098},{"text":"Yeah.","start":2276.49,"end":2276.99,"sentiment":"neutral","sentiment_score":0.05761868134140968}],"sentiment":"neutral","sentiment_score":0.05024142377078533,"channel":1,"num_words":2,"start":2276.09,"end":2276.99},{"sentences":[{"text":"Yeah.","start":2277.09,"end":2277.57,"sentiment":"neutral","sentiment_score":0.08070740103721619},{"text":"Yep.","start":2277.57,"end":2277.89,"sentiment":"neutral","sentiment_score":0.1621175855398178},{"text":"Perfect.","start":2277.89,"end":2278.39,"sentiment":"positive","sentiment_score":0.4734030067920685},{"text":"Well, I can have a really good look at all of that for you.","start":2279.33,"end":2281.73,"sentiment":"positive","sentiment_score":0.42886517303330557},{"text":"It's not a problem.","start":2281.73,"end":2282.71,"sentiment":"neutral","sentiment_score":0.3136123865842819}],"sentiment":"positive","sentiment_score":0.37975190296059563,"channel":0,"num_words":21,"start":2277.09,"end":2282.71},{"sentences":[{"text":"Okay?","start":2282.85,"end":2283.33,"sentiment":"neutral","sentiment_score":0.24135622382164},{"text":"Beautiful.","start":2283.33,"end":2283.83,"sentiment":"positive","sentiment_score":0.5203801989555359}],"sentiment":"positive","sentiment_score":0.38086821138858795,"channel":0,"num_words":2,"start":2282.85,"end":2283.83},{"sentences":[{"text":"Alright.","start":2283.895,"end":2284.395,"sentiment":"positive","sentiment_score":0.4132246971130371}],"sentiment":"positive","sentiment_score":0.4132246971130371,"channel":1,"num_words":1,"start":2283.895,"end":2284.395},{"sentences":[{"text":"Excellent.","start":2285.17,"end":2285.67,"sentiment":"positive","sentiment_score":0.6590210199356079},{"text":"Perfect.","start":2287.09,"end":2287.59,"sentiment":"positive","sentiment_score":0.645136833190918}],"sentiment":"positive","sentiment_score":0.6520789265632629,"channel":0,"num_words":2,"start":2285.17,"end":2287.59},{"sentences":[{"text":"Sounds good.","start":2287.175,"end":2287.915,"sentiment":"positive","sentiment_score":0.6653012931346893}],"sentiment":"positive","sentiment_score":0.6653012931346893,"channel":1,"num_words":2,"start":2287.175,"end":2287.915},{"sentences":[{"text":"It does.","start":2288.465,"end":2289.0251,"sentiment":"positive","sentiment_score":0.4458681643009186},{"text":"It does.","start":2289.0251,"end":2289.685,"sentiment":"positive","sentiment_score":0.4025811702013016},{"text":"Easy.","start":2289.825,"end":2290.325,"sentiment":"neutral","sentiment_score":0.3287861943244934},{"text":"Now the next asset I have on here is your contents.","start":2291.665,"end":2295.925,"sentiment":"neutral","sentiment_score":0.11868590251965956},{"text":"We have that valued at about 8,000.","start":2296.065,"end":2298.305,"sentiment":"neutral","sentiment_score":0.06838792243174144}],"sentiment":"neutral","sentiment_score":0.16564979339423386,"channel":0,"num_words":23,"start":2288.465,"end":2298.305},{"sentences":[{"text":"Do you feel like that's fairly comfortable?","start":2298.305,"end":2299.985,"sentiment":"neutral","sentiment_score":0.08661490572350365},{"text":"You leave that at the same amount?","start":2299.985,"end":2301.605,"sentiment":"neutral","sentiment_score":0.03127627234373774}],"sentiment":"neutral","sentiment_score":0.058945589033620696,"channel":0,"num_words":14,"start":2298.305,"end":2301.605},{"sentences":[{"text":"Yeah.","start":2302.2,"end":2302.7,"sentiment":"neutral","sentiment_score":0.11856714636087418}],"sentiment":"neutral","sentiment_score":0.11856714636087418,"channel":1,"num_words":1,"start":2302.2,"end":2302.7},{"sentences":[{"text":"Yep.","start":2303.12,"end":2303.62,"sentiment":"neutral","sentiment_score":0.1505332589149475}],"sentiment":"neutral","sentiment_score":0.1505332589149475,"channel":0,"num_words":1,"start":2303.12,"end":2303.62},{"sentences":[{"text":"Okay.","start":2303.16,"end":2303.66,"sentiment":"positive","sentiment_score":0.3517102003097534}],"sentiment":"positive","sentiment_score":0.3517102003097534,"channel":1,"num_words":1,"start":2303.16,"end":2303.66},{"sentences":[{"text":"Beautiful.","start":2303.6802,"end":2304.1802,"sentiment":"positive","sentiment_score":0.7854703068733215},{"text":"Excellent.","start":2305.04,"end":2305.54,"sentiment":"positive","sentiment_score":0.773591160774231},{"text":"And is there anything else that we may have missed?","start":2305.76,"end":2307.9202,"sentiment":"neutral","sentiment_score":0.2473481170833111},{"text":"Any other assets or liabilities that you wanna add on here?","start":2307.9202,"end":2311.3801,"sentiment":"neutral","sentiment_score":0.0917552953416651}],"sentiment":"neutral","sentiment_score":0.2192109081408252,"channel":0,"num_words":23,"start":2303.6802,"end":2311.3801},{"sentences":[{"text":"No.","start":2314.095,"end":2314.4148,"sentiment":"neutral","sentiment_score":-0.027455992996692657},{"text":"That's it.","start":2314.4148,"end":2315.135,"sentiment":"neutral","sentiment_score":-0.015076873358339071},{"text":"That's it.","start":2315.135,"end":2315.82,"sentiment":"neutral","sentiment_score":0.02900621062144637}],"sentiment":"neutral","sentiment_score":0.00008053630590438843,"channel":1,"num_words":5,"start":2314.095,"end":2315.82},{"sentences":[{"text":"Yep.","start":2315.775,"end":2316.175,"sentiment":"neutral","sentiment_score":0.18216310441493988},{"text":"Perfect.","start":2316.175,"end":2316.675,"sentiment":"positive","sentiment_score":0.5268805623054504},{"text":"Lovely.","start":2317.615,"end":2318.115,"sentiment":"positive","sentiment_score":0.461952805519104},{"text":"Health wise, you did mention that you've dropped hours due to your sort of health.","start":2319.135,"end":2322.655,"sentiment":"neutral","sentiment_score":0.01641425796939681},{"text":"How what's sort of been happening over the last twelve months health wise?","start":2322.655,"end":2325.615,"sentiment":"neutral","sentiment_score":-0.01956119345357785}],"sentiment":"neutral","sentiment_score":0.03751338151238498,"channel":0,"num_words":31,"start":2315.775,"end":2325.615},{"sentences":[{"text":"Has everything sort of changed?","start":2325.615,"end":2327.155,"sentiment":"neutral","sentiment_score":-0.038411841914057734},{"text":"Or","start":2327.215,"end":2327.715,"sentiment":"neutral","sentiment_score":-0.042790163308382034}],"sentiment":"neutral","sentiment_score":-0.03914156214644512,"channel":0,"num_words":6,"start":2325.615,"end":2327.715},{"sentences":[{"text":"No.","start":2329.1,"end":2329.34,"sentiment":"neutral","sentiment_score":-0.08298692107200623},{"text":"Everything's alright.","start":2329.34,"end":2330.3801,"sentiment":"neutral","sentiment_score":0.010087626054883003},{"text":"It's yeah, everything's fine.","start":2330.3801,"end":2333.355,"sentiment":"neutral","sentiment_score":0.23167535290122032},{"text":"It's just","start":2333.575,"end":2333.9749,"sentiment":"neutral","sentiment_score":0.07578033953905106}],"sentiment":"neutral","sentiment_score":0.11282782463563813,"channel":1,"num_words":9,"start":2329.1,"end":2333.9749},{"sentences":[{"text":"mhmm.","start":2333.8298,"end":2334.0698,"sentiment":"neutral","sentiment_score":0.045621488243341446}],"sentiment":"neutral","sentiment_score":0.045621488243341446,"channel":0,"num_words":1,"start":2333.8298,"end":2334.0698},{"sentences":[{"text":"really","start":2333.9749,"end":2334.4548,"sentiment":"neutral","sentiment_score":0.03971802815794945}],"sentiment":"neutral","sentiment_score":0.03971802815794945,"channel":1,"num_words":1,"start":2333.9749,"end":2334.4548},{"sentences":[{"text":"Yep.","start":2334.0698,"end":2334.5698,"sentiment":"neutral","sentiment_score":0.09240322560071944}],"sentiment":"neutral","sentiment_score":0.09240322560071944,"channel":0,"num_words":1,"start":2334.0698,"end":2334.5698},{"sentences":[{"text":"just a a nice balance to not well, just not worth too hard, but just enough to to to save a bit and and, yeah, enjoy life a bit.","start":2334.4548,"end":2347.32,"sentiment":"neutral","sentiment_score":0.18076360919352236}],"sentiment":"neutral","sentiment_score":0.18076360919352236,"channel":1,"num_words":29,"start":2334.4548,"end":2347.32},{"sentences":[{"text":"Yeah.","start":2347.845,"end":2348.165,"sentiment":"neutral","sentiment_score":0.18010497093200684},{"text":"Yeah.","start":2348.165,"end":2348.665,"sentiment":"neutral","sentiment_score":0.29234635829925537},{"text":"Perfect.","start":2348.965,"end":2349.465,"sentiment":"positive","sentiment_score":0.568839430809021},{"text":"And have this lovely holiday that you're saving up for.","start":2350.405,"end":2353.305,"sentiment":"positive","sentiment_score":0.6631066262722015}],"sentiment":"positive","sentiment_score":0.5901813094432538,"channel":0,"num_words":13,"start":2347.845,"end":2353.305},{"sentences":[{"text":"Yeah.","start":2354.26,"end":2354.58,"sentiment":"neutral","sentiment_score":0.2444758713245392},{"text":"Well, that's, yeah, that's a big plan because that's, yeah, that's what I wanna do.","start":2354.58,"end":2360.555,"sentiment":"neutral","sentiment_score":0.31860846976439156},{"text":"So","start":2360.555,"end":2361.055,"sentiment":"neutral","sentiment_score":0.17195254564285278}],"sentiment":"neutral","sentiment_score":0.3056209096137215,"channel":1,"num_words":17,"start":2354.26,"end":2361.055},{"sentences":[{"text":"Yeah.","start":2361.23,"end":2361.73,"sentiment":"positive","sentiment_score":0.33440184593200684},{"text":"Beautiful.","start":2361.8699,"end":2362.3699,"sentiment":"positive","sentiment_score":0.5672463178634644},{"text":"And I've also got down here that other goals moving forward.","start":2363.31,"end":2365.95,"sentiment":"neutral","sentiment_score":0.2924092317169363},{"text":"You also wanna pay down the car loan as much as possible.","start":2365.95,"end":2368.8499,"sentiment":"neutral","sentiment_score":0.19892298554380736},{"text":"Is there anything else, you know, over the next sort of two to three to five or ten years that you might be wanting to achieve?","start":2369.375,"end":2375.155,"sentiment":"neutral","sentiment_score":0.09941748013863197}],"sentiment":"neutral","sentiment_score":0.17823686319239,"channel":0,"num_words":51,"start":2361.23,"end":2375.155},{"sentences":[{"text":"Or","start":2375.295,"end":2375.795,"sentiment":"neutral","sentiment_score":0.03745117038488388}],"sentiment":"neutral","sentiment_score":0.03745117038488388,"channel":0,"num_words":1,"start":2375.295,"end":2375.795},{"sentences":[{"text":"Well, not apart from if we're you know, as far as going, but but but buying a house maybe, but that's why I gotta decide whether whether it's not gonna happen and and plan to not have one and just rent or whatever,","start":2377.73,"end":2396.725,"sentiment":"neutral","sentiment_score":-0.0003145829406242038}],"sentiment":"neutral","sentiment_score":-0.0003145829406242038,"channel":1,"num_words":43,"start":2377.73,"end":2396.725},{"sentences":[{"text":"Yep.","start":2396.925,"end":2397.2449,"sentiment":"neutral","sentiment_score":0.02271089516580105},{"text":"Yep.","start":2397.2449,"end":2397.7449,"sentiment":"neutral","sentiment_score":0.01911180280148983}],"sentiment":"neutral","sentiment_score":0.02091134898364544,"channel":0,"num_words":2,"start":2396.925,"end":2397.7449},{"sentences":[{"text":"but or a unit or something like that.","start":2397.425,"end":2399.425,"sentiment":"neutral","sentiment_score":0.00732750678434968},{"text":"But, yeah, that's that's another goal that's just to set something up for somewhere to live, really.","start":2399.425,"end":2406.76,"sentiment":"neutral","sentiment_score":0.0952213830588495}],"sentiment":"neutral","sentiment_score":0.06709534265100955,"channel":1,"num_words":25,"start":2397.425,"end":2406.76},{"sentences":[{"text":"Yeah.","start":2407.1,"end":2407.6,"sentiment":"neutral","sentiment_score":0.024737803265452385}],"sentiment":"neutral","sentiment_score":0.024737803265452385,"channel":0,"num_words":1,"start":2407.1,"end":2407.6},{"sentences":[{"text":"But","start":2407.22,"end":2407.72,"sentiment":"neutral","sentiment_score":0.02624369226396084}],"sentiment":"neutral","sentiment_score":0.02624369226396084,"channel":1,"num_words":1,"start":2407.22,"end":2407.72},{"sentences":[{"text":"Yep.","start":2407.82,"end":2408.32,"sentiment":"neutral","sentiment_score":0.02416340820491314}],"sentiment":"neutral","sentiment_score":0.02416340820491314,"channel":0,"num_words":1,"start":2407.82,"end":2408.32},{"sentences":[{"text":"yeah.","start":2409.54,"end":2409.94,"sentiment":"neutral","sentiment_score":0.03076830506324768},{"text":"It's yeah.","start":2409.94,"end":2411.54,"sentiment":"neutral","sentiment_score":0.03213867358863354},{"text":"Just wondering which way it'll go and whether it's worth","start":2411.54,"end":2414.5,"sentiment":"neutral","sentiment_score":0.031587470695376395}],"sentiment":"neutral","sentiment_score":0.0316092583995599,"channel":1,"num_words":13,"start":2409.54,"end":2414.5},{"sentences":[{"text":"Absolutely.","start":2414.2202,"end":2414.7202,"sentiment":"neutral","sentiment_score":0.02995147556066513}],"sentiment":"neutral","sentiment_score":0.02995147556066513,"channel":0,"num_words":1,"start":2414.2202,"end":2414.7202},{"sentences":[{"text":"even looking or","start":2414.5,"end":2415.8,"sentiment":"neutral","sentiment_score":0.015154775232076645}],"sentiment":"neutral","sentiment_score":0.015154775232076645,"channel":1,"num_words":3,"start":2414.5,"end":2415.8},{"sentences":[{"text":"Yep.","start":2416.3801,"end":2416.8801,"sentiment":"neutral","sentiment_score":0.026707801967859268}],"sentiment":"neutral","sentiment_score":0.026707801967859268,"channel":0,"num_words":1,"start":2416.3801,"end":2416.8801},{"sentences":[{"text":"yeah,","start":2417.7148,"end":2418.2148,"sentiment":"neutral","sentiment_score":0.03387659788131714}],"sentiment":"neutral","sentiment_score":0.03387659788131714,"channel":1,"num_words":1,"start":2417.7148,"end":2418.2148},{"sentences":[{"text":"Yep.","start":2418.795,"end":2419.195,"sentiment":"neutral","sentiment_score":0.040626779198646545},{"text":"Absolutely.","start":2419.195,"end":2419.695,"sentiment":"neutral","sentiment_score":0.06858821213245392}],"sentiment":"neutral","sentiment_score":0.05460749566555023,"channel":0,"num_words":2,"start":2418.795,"end":2419.695},{"sentences":[{"text":"that's","start":2419.315,"end":2419.815,"sentiment":"neutral","sentiment_score":0.05980198085308075}],"sentiment":"neutral","sentiment_score":0.05980198085308075,"channel":1,"num_words":1,"start":2419.315,"end":2419.815},{"sentences":[{"text":"Not a problem.","start":2420.075,"end":2420.895,"sentiment":"neutral","sentiment_score":0.06517552087704341}],"sentiment":"neutral","sentiment_score":0.06517552087704341,"channel":0,"num_words":3,"start":2420.075,"end":2420.895},{"sentences":[{"text":"all","start":2420.95,"end":2421.45,"sentiment":"neutral","sentiment_score":0.017100531607866287}],"sentiment":"neutral","sentiment_score":0.017100531607866287,"channel":1,"num_words":1,"start":2420.95,"end":2421.45},{"sentences":[{"text":"Yeah.","start":2421.035,"end":2421.535,"sentiment":"neutral","sentiment_score":0.02941681630909443}],"sentiment":"neutral","sentiment_score":0.02941681630909443,"channel":0,"num_words":1,"start":2421.035,"end":2421.535},{"sentences":[{"text":"I was thinking.","start":2422.585,"end":2423.575,"sentiment":"neutral","sentiment_score":0.016709184274077415}],"sentiment":"neutral","sentiment_score":0.016709184274077415,"channel":1,"num_words":3,"start":2422.585,"end":2423.575},{"sentences":[{"text":"Yep.","start":2424.155,"end":2424.635,"sentiment":"neutral","sentiment_score":0.032183632254600525},{"text":"No.","start":2424.635,"end":2424.955,"sentiment":"neutral","sentiment_score":0.03702026978135109},{"text":"Absolutely.","start":2424.955,"end":2425.455,"sentiment":"neutral","sentiment_score":0.10732968896627426},{"text":"Not an issue at all.","start":2425.755,"end":2427.295,"sentiment":"neutral","sentiment_score":0.0854981854557991},{"text":"Now the other thing I just wanted to sort of evaluate with you is just sort of double checking that you are invested correct in the right risk profile.","start":2427.675,"end":2433.86,"sentiment":"neutral","sentiment_score":0.07188696118778196}],"sentiment":"neutral","sentiment_score":0.07266882142505131,"channel":0,"num_words":37,"start":2424.155,"end":2433.86},{"sentences":[{"text":"Because other things that we can look at are if you wanted to try and get a bit more growth out of your super, we could look at taking on a bit more risk in the market.","start":2433.86,"end":2441.0,"sentiment":"neutral","sentiment_score":0.04220652962858613},{"text":"It also comes down to your comfort level as well, but taking a bit more risk in the market can open you up to greater potential returns.","start":2441.54,"end":2449.475,"sentiment":"neutral","sentiment_score":0.18432856378731904},{"text":"It's just a bit of a juggling act, and I wouldn't want you to take on too much risk than you're comfortable with because then it does mean that you risk at the time you're wanting to stop working and hopefully retire, there could be a downturn in the market.","start":2449.775,"end":2460.98,"sentiment":"neutral","sentiment_score":-0.2092927973717451},{"text":"And if you chose to continue to retire, you might be cementing losses that may have occurred.","start":2460.98,"end":2467.08,"sentiment":"neutral","sentiment_score":-0.2521843813798007},{"text":"So just to sort of go through just a couple of questions there to assess your risk profile, The first one is, have you ever owned direct shares?","start":2467.14,"end":2475.0151,"sentiment":"neutral","sentiment_score":-0.00047291218236620924}],"sentiment":"neutral","sentiment_score":-0.051739013048017736,"channel":0,"num_words":159,"start":2433.86,"end":2475.0151},{"sentences":[{"text":"Have you ever invested in your own name before outside of Superm?","start":2475.0151,"end":2478.555,"sentiment":"neutral","sentiment_score":-0.008169639312351743},{"text":"Nope.","start":2482.055,"end":2482.455,"sentiment":"neutral","sentiment_score":-0.06505116820335388},{"text":"Never owned shares.","start":2482.455,"end":2483.575,"sentiment":"neutral","sentiment_score":-0.04851682980855306},{"text":"No?","start":2483.575,"end":2484.075,"sentiment":"neutral","sentiment_score":-0.06602104008197784}],"sentiment":"neutral","sentiment_score":-0.022038727615247753,"channel":0,"num_words":17,"start":2475.0151,"end":2484.075},{"sentences":[{"text":"No.","start":2484.185,"end":2484.665,"sentiment":"neutral","sentiment_score":-0.08463569730520248},{"text":"Not always wanted to, but just never","start":2484.665,"end":2486.8298,"sentiment":"neutral","sentiment_score":-0.09924333436148507}],"sentiment":"neutral","sentiment_score":-0.09741737972944975,"channel":1,"num_words":8,"start":2484.185,"end":2486.8298},{"sentences":[{"text":"Yep.","start":2486.57,"end":2487.07,"sentiment":"neutral","sentiment_score":-0.10639213025569916}],"sentiment":"neutral","sentiment_score":-0.10639213025569916,"channel":0,"num_words":1,"start":2486.57,"end":2487.07},{"sentences":[{"text":"got there.","start":2486.8298,"end":2487.39,"sentiment":"neutral","sentiment_score":-0.1468086987733841},{"text":"I never understood","start":2487.39,"end":2488.3699,"sentiment":"neutral","sentiment_score":-0.09346745659907658}],"sentiment":"neutral","sentiment_score":-0.1148039534687996,"channel":1,"num_words":5,"start":2486.8298,"end":2488.3699},{"sentences":[{"text":"That's okay.","start":2488.09,"end":2488.83,"sentiment":"neutral","sentiment_score":-0.055280815809965134}],"sentiment":"neutral","sentiment_score":-0.055280815809965134,"channel":0,"num_words":2,"start":2488.09,"end":2488.83},{"sentences":[{"text":"it enough to to","start":2488.51,"end":2490.03,"sentiment":"neutral","sentiment_score":-0.038497043773531914}],"sentiment":"neutral","sentiment_score":-0.038497043773531914,"channel":1,"num_words":4,"start":2488.51,"end":2490.03},{"sentences":[{"text":"Yep.","start":2489.9302,"end":2490.4302,"sentiment":"neutral","sentiment_score":-0.041641876101493835}],"sentiment":"neutral","sentiment_score":-0.041641876101493835,"channel":0,"num_words":1,"start":2489.9302,"end":2490.4302},{"sentences":[{"text":"know what to do.","start":2490.03,"end":2490.93,"sentiment":"neutral","sentiment_score":-0.07705919817090034}],"sentiment":"neutral","sentiment_score":-0.07705919817090034,"channel":1,"num_words":4,"start":2490.03,"end":2490.93},{"sentences":[{"text":"That's absolutely","start":2491.4502,"end":2492.35,"sentiment":"neutral","sentiment_score":0.030120624229311943}],"sentiment":"neutral","sentiment_score":0.030120624229311943,"channel":0,"num_words":2,"start":2491.4502,"end":2492.35},{"sentences":[{"text":"So","start":2491.95,"end":2492.45,"sentiment":"neutral","sentiment_score":0.02377906814217567}],"sentiment":"neutral","sentiment_score":0.02377906814217567,"channel":1,"num_words":1,"start":2491.95,"end":2492.45},{"sentences":[{"text":"okay.","start":2492.6501,"end":2493.1501,"sentiment":"neutral","sentiment_score":0.015177702531218529}],"sentiment":"neutral","sentiment_score":0.015177702531218529,"channel":0,"num_words":1,"start":2492.6501,"end":2493.1501},{"sentences":[{"text":"always","start":2494.1099,"end":2494.5898,"sentiment":"neutral","sentiment_score":-0.01144418679177761}],"sentiment":"neutral","sentiment_score":-0.01144418679177761,"channel":1,"num_words":1,"start":2494.1099,"end":2494.5898},{"sentences":[{"text":"Not","start":2494.33,"end":2494.6501,"sentiment":"neutral","sentiment_score":-0.08402374386787415}],"sentiment":"neutral","sentiment_score":-0.08402374386787415,"channel":0,"num_words":1,"start":2494.33,"end":2494.6501},{"sentences":[{"text":"always","start":2494.5898,"end":2495.0898,"sentiment":"neutral","sentiment_score":-0.08023813366889954}],"sentiment":"neutral","sentiment_score":-0.08023813366889954,"channel":1,"num_words":1,"start":2494.5898,"end":2495.0898},{"sentences":[{"text":"an ish.","start":2494.6501,"end":2495.31,"sentiment":"neutral","sentiment_score":-0.11883435398340225}],"sentiment":"neutral","sentiment_score":-0.11883435398340225,"channel":0,"num_words":2,"start":2494.6501,"end":2495.31},{"sentences":[{"text":"wanted to get into it, but never did.","start":2495.15,"end":2498.13,"sentiment":"neutral","sentiment_score":-0.12354790139943361}],"sentiment":"neutral","sentiment_score":-0.12354790139943361,"channel":1,"num_words":8,"start":2495.15,"end":2498.13},{"sentences":[{"text":"Yep.","start":2498.025,"end":2498.525,"sentiment":"neutral","sentiment_score":0.006262421142309904},{"text":"No.","start":2498.665,"end":2499.165,"sentiment":"neutral","sentiment_score":-0.005080588161945343},{"text":"Absolutely.","start":2499.465,"end":2499.965,"sentiment":"neutral","sentiment_score":0.05139511823654175},{"text":"The next question here is asking, I sent it to more about inflation.","start":2500.905,"end":2503.865,"sentiment":"neutral","sentiment_score":0.01944861775980546},{"text":"So it says, how much risk do you feel you're comfortable to take when it comes to your super to get those greater potential returns?","start":2503.865,"end":2510.1401,"sentiment":"neutral","sentiment_score":0.02422445483505726}],"sentiment":"neutral","sentiment_score":0.022220008609044117,"channel":0,"num_words":41,"start":2498.025,"end":2510.1401},{"sentences":[{"text":"Do you think you're happy with a higher level of risk to get greater potential returns in the future?","start":2510.2002,"end":2515.1,"sentiment":"neutral","sentiment_score":0.027363312234611886},{"text":"Are you comfortable with a moderate or medium amount of risk to get the best returns you can, or are you only comfortable taking on a small amount of risk to get the best returns you can possibly obtain?","start":2515.2402,"end":2525.005,"sentiment":"neutral","sentiment_score":-0.027227437362456933}],"sentiment":"neutral","sentiment_score":-0.009344260770313698,"channel":0,"num_words":58,"start":2510.2002,"end":2525.005},{"sentences":[{"text":"Oh, yeah.","start":2527.925,"end":2528.485,"sentiment":"neutral","sentiment_score":-0.059765396639704704},{"text":"It's just that crystal ball thing.","start":2528.485,"end":2530.985,"sentiment":"neutral","sentiment_score":-0.11132289469242096},{"text":"I I'm only because I need to get as much as I can.","start":2531.605,"end":2539.285,"sentiment":"neutral","sentiment_score":-0.1490721536370424},{"text":"I I","start":2539.285,"end":2540.165,"sentiment":"neutral","sentiment_score":-0.0804644525051117}],"sentiment":"neutral","sentiment_score":-0.12549282885763957,"channel":1,"num_words":23,"start":2527.925,"end":2540.165},{"sentences":[{"text":"Yep.","start":2540.11,"end":2540.61,"sentiment":"neutral","sentiment_score":-0.06090357527136803}],"sentiment":"neutral","sentiment_score":-0.06090357527136803,"channel":0,"num_words":1,"start":2540.11,"end":2540.61},{"sentences":[{"text":"would like to sort of high risk, but yeah.","start":2540.165,"end":2544.47,"sentiment":"neutral","sentiment_score":-0.11946720298793581},{"text":"I'm a little bit worried, so","start":2544.47,"end":2546.09,"sentiment":"neutral","sentiment_score":-0.1293811835348606}],"sentiment":"neutral","sentiment_score":-0.12343279520670573,"channel":1,"num_words":15,"start":2540.165,"end":2546.09},{"sentences":[{"text":"Yep.","start":2546.1902,"end":2546.6902,"sentiment":"neutral","sentiment_score":-0.05239725857973099}],"sentiment":"neutral","sentiment_score":-0.05239725857973099,"channel":0,"num_words":1,"start":2546.1902,"end":2546.6902},{"sentences":[{"text":"maybe medium.","start":2546.8699,"end":2547.93,"sentiment":"neutral","sentiment_score":-0.051602840423583984}],"sentiment":"neutral","sentiment_score":-0.051602840423583984,"channel":1,"num_words":2,"start":2546.8699,"end":2547.93},{"sentences":[{"text":"Yep.","start":2548.765,"end":2549.265,"sentiment":"neutral","sentiment_score":0.07310498505830765},{"text":"Perfect.","start":2549.325,"end":2549.825,"sentiment":"positive","sentiment_score":0.478520005941391},{"text":"Lovely.","start":2550.445,"end":2550.945,"sentiment":"positive","sentiment_score":0.4628388285636902},{"text":"How do you think you might be feeling if you looked at your super balance in, say, the next six to twelve months and due to external market factors or what was happening in the world?","start":2551.405,"end":2560.045,"sentiment":"neutral","sentiment_score":0.05414576708830686},{"text":"If the portfolio fell and we saw maybe a 10 or 20 drop, how do you think you might be starting to feel?","start":2560.045,"end":2566.12,"sentiment":"neutral","sentiment_score":-0.15552901541409286}],"sentiment":"neutral","sentiment_score":-0.009894450319059674,"channel":0,"num_words":62,"start":2548.765,"end":2566.12},{"sentences":[{"text":"Well, it is what it is.","start":2570.1848,"end":2571.7249,"sentiment":"neutral","sentiment_score":-0.17409996936718622},{"text":"I don't know.","start":2572.34,"end":2573.06,"sentiment":"neutral","sentiment_score":-0.21314925452073416}],"sentiment":"neutral","sentiment_score":-0.1871163977517022,"channel":1,"num_words":9,"start":2570.1848,"end":2573.06},{"sentences":[{"text":"Yeah.","start":2572.9001,"end":2573.4001,"sentiment":"neutral","sentiment_score":-0.23115389049053192}],"sentiment":"neutral","sentiment_score":-0.23115389049053192,"channel":0,"num_words":1,"start":2572.9001,"end":2573.4001},{"sentences":[{"text":"I'd I'd I would hope it's not.","start":2573.06,"end":2575.56,"sentiment":"negative","sentiment_score":-0.34633291193417143},{"text":"That","start":2576.1,"end":2576.5,"sentiment":"neutral","sentiment_score":-0.30124664306640625}],"sentiment":"negative","sentiment_score":-0.34069712832570076,"channel":1,"num_words":8,"start":2573.06,"end":2576.5},{"sentences":[{"text":"Mhmm.","start":2576.435,"end":2576.935,"sentiment":"neutral","sentiment_score":-0.2096693515777588}],"sentiment":"neutral","sentiment_score":-0.2096693515777588,"channel":0,"num_words":1,"start":2576.435,"end":2576.935},{"sentences":[{"text":"sort of wouldn't happen.","start":2576.5,"end":2577.56,"sentiment":"neutral","sentiment_score":-0.30571021139621735}],"sentiment":"neutral","sentiment_score":-0.30571021139621735,"channel":1,"num_words":4,"start":2576.5,"end":2577.56},{"sentences":[{"text":"Mhmm.","start":2578.275,"end":2578.775,"sentiment":"neutral","sentiment_score":-0.07443535327911377}],"sentiment":"neutral","sentiment_score":-0.07443535327911377,"channel":0,"num_words":1,"start":2578.275,"end":2578.775},{"sentences":[{"text":"But, yeah, I I get yeah.","start":2578.74,"end":2583.86,"sentiment":"neutral","sentiment_score":-0.1070478285352389},{"text":"I don't know.","start":2583.86,"end":2584.42,"sentiment":"neutral","sentiment_score":-0.16057578225930533},{"text":"I don't know enough, I guess.","start":2584.42,"end":2585.86,"sentiment":"neutral","sentiment_score":-0.1756298542022705},{"text":"But, you know, it is what it is.","start":2585.86,"end":2589.285,"sentiment":"neutral","sentiment_score":-0.1020027156919241},{"text":"You know?","start":2589.285,"end":2589.945,"sentiment":"neutral","sentiment_score":-0.033050051890313625}],"sentiment":"neutral","sentiment_score":-0.12239661090075969,"channel":1,"num_words":25,"start":2578.74,"end":2589.945},{"sentences":[{"text":"Yep.","start":2589.73,"end":2590.0498,"sentiment":"neutral","sentiment_score":0.021606456488370895},{"text":"That's okay.","start":2590.0498,"end":2590.8699,"sentiment":"neutral","sentiment_score":0.0898495726287365}],"sentiment":"neutral","sentiment_score":0.06710186724861462,"channel":0,"num_words":3,"start":2589.73,"end":2590.8699},{"sentences":[{"text":"Gotta get together","start":2590.565,"end":2591.705,"sentiment":"neutral","sentiment_score":0.09639491389195125}],"sentiment":"neutral","sentiment_score":0.09639491389195125,"channel":1,"num_words":3,"start":2590.565,"end":2591.705},{"sentences":[{"text":"Do you think it","start":2591.25,"end":2591.89,"sentiment":"neutral","sentiment_score":-0.010386357083916664}],"sentiment":"neutral","sentiment_score":-0.010386357083916664,"channel":0,"num_words":4,"start":2591.25,"end":2591.89},{"sentences":[{"text":"to","start":2591.845,"end":2592.0051,"sentiment":"neutral","sentiment_score":-0.04871904477477074}],"sentiment":"neutral","sentiment_score":-0.04871904477477074,"channel":1,"num_words":1,"start":2591.845,"end":2592.0051},{"sentences":[{"text":"might","start":2591.89,"end":2592.13,"sentiment":"neutral","sentiment_score":-0.04216058552265167}],"sentiment":"neutral","sentiment_score":-0.04216058552265167,"channel":0,"num_words":1,"start":2591.89,"end":2592.13},{"sentences":[{"text":"fly.","start":2592.0051,"end":2592.5051,"sentiment":"neutral","sentiment_score":-0.036918822675943375}],"sentiment":"neutral","sentiment_score":-0.036918822675943375,"channel":1,"num_words":1,"start":2592.0051,"end":2592.5051},{"sentences":[{"text":"be a little bit con yeah.","start":2592.13,"end":2593.5698,"sentiment":"neutral","sentiment_score":-0.07481547072529793},{"text":"Do you think it might be a bit concerning?","start":2593.5698,"end":2595.3499,"sentiment":"neutral","sentiment_score":-0.07370971971087986},{"text":"Do you think you'd wanna put more money in to take advantage of the market dips, or do you think you might just be calling us and asking what's happening and what can we do?","start":2595.49,"end":2604.375,"sentiment":"neutral","sentiment_score":-0.09190331314291272}],"sentiment":"neutral","sentiment_score":-0.08657792523503303,"channel":0,"num_words":50,"start":2592.13,"end":2604.375},{"sentences":[{"text":"Probably just calling you, I guess.","start":2606.93,"end":2608.8699,"sentiment":"neutral","sentiment_score":-0.053264825915296875}],"sentiment":"neutral","sentiment_score":-0.053264825915296875,"channel":1,"num_words":6,"start":2606.93,"end":2608.8699},{"sentences":[{"text":"Yep.","start":2609.555,"end":2610.055,"sentiment":"neutral","sentiment_score":0.03535638377070427}],"sentiment":"neutral","sentiment_score":0.03535638377070427,"channel":0,"num_words":1,"start":2609.555,"end":2610.055},{"sentences":[{"text":"Yeah.","start":2610.45,"end":2610.915,"sentiment":"neutral","sentiment_score":0.09051187336444856}],"sentiment":"neutral","sentiment_score":0.09051187336444856,"channel":1,"num_words":1,"start":2610.45,"end":2610.915},{"sentences":[{"text":"Yep.","start":2611.7148,"end":2612.2148,"sentiment":"neutral","sentiment_score":0.15476998686790466},{"text":"Perfect.","start":2612.275,"end":2612.775,"sentiment":"positive","sentiment_score":0.5774710178375244},{"text":"Lovely.","start":2614.41,"end":2614.91,"sentiment":"positive","sentiment_score":0.6014112830162048},{"text":"Having a look at the sort of returns that you're after, you're trying to get the best returns you possibly can out of your super out of your portfolio.","start":2615.93,"end":2622.51,"sentiment":"neutral","sentiment_score":0.3296349372329383},{"text":"Am I right?","start":2622.8098,"end":2623.63,"sentiment":"neutral","sentiment_score":0.15367846687634787}],"sentiment":"neutral","sentiment_score":0.3244028819458825,"channel":0,"num_words":35,"start":2611.7148,"end":2623.63},{"sentences":[{"text":"Yeah.","start":2624.195,"end":2624.695,"sentiment":"neutral","sentiment_score":0.16499243676662445}],"sentiment":"neutral","sentiment_score":0.16499243676662445,"channel":1,"num_words":1,"start":2624.195,"end":2624.695},{"sentences":[{"text":"Yeah.","start":2625.29,"end":2625.79,"sentiment":"neutral","sentiment_score":0.21887332201004028},{"text":"All good.","start":2626.3298,"end":2627.0698,"sentiment":"positive","sentiment_score":0.4051625728607178},{"text":"Perfect.","start":2627.685,"end":2628.085,"sentiment":"positive","sentiment_score":0.43285828828811646},{"text":"Well, thank you for answering those questions.","start":2628.085,"end":2629.845,"sentiment":"positive","sentiment_score":0.4421052208968571},{"text":"Now having a bit of a look there, you sorry.","start":2629.845,"end":2634.665,"sentiment":"neutral","sentiment_score":0.056564028933644296}],"sentiment":"neutral","sentiment_score":0.24392540912543023,"channel":0,"num_words":21,"start":2625.29,"end":2634.665},{"sentences":[{"text":"The last one here I just had to ask, I do apologize.","start":2635.445,"end":2637.845,"sentiment":"neutral","sentiment_score":-0.03932783814767996},{"text":"It just sort of popped up there for me, is when you think about borrowing, you're still wanting to buy property in the future.","start":2637.845,"end":2644.7598,"sentiment":"neutral","sentiment_score":0.048333159647881985},{"text":"You are open to hopefully being able to buy in the future.","start":2644.7598,"end":2647.74,"sentiment":"neutral","sentiment_score":0.17585189702610174},{"text":"Is that right?","start":2648.2798,"end":2649.18,"sentiment":"neutral","sentiment_score":0.06494014089306195}],"sentiment":"neutral","sentiment_score":0.058688332564106174,"channel":0,"num_words":51,"start":2635.445,"end":2649.18},{"sentences":[{"text":"Well, yeah.","start":2650.695,"end":2651.675,"sentiment":"neutral","sentiment_score":-0.017188419587910175},{"text":"I would.","start":2652.055,"end":2652.715,"sentiment":"neutral","sentiment_score":-0.010085863061249256}],"sentiment":"neutral","sentiment_score":-0.013637141324579716,"channel":1,"num_words":4,"start":2650.695,"end":2652.715},{"sentences":[{"text":"Yeah.","start":2652.295,"end":2652.795,"sentiment":"neutral","sentiment_score":-0.010561319068074226},{"text":"Yep.","start":2653.2551,"end":2653.7551,"sentiment":"neutral","sentiment_score":-0.02330936118960381}],"sentiment":"neutral","sentiment_score":-0.016935340128839016,"channel":0,"num_words":2,"start":2652.295,"end":2653.7551},{"sentences":[{"text":"But, you know, to get it.","start":2654.7998,"end":2656.3398,"sentiment":"neutral","sentiment_score":-0.09538382291793823},{"text":"But, yeah, he's gonna owe me money, really.","start":2656.7998,"end":2659.8599,"sentiment":"neutral","sentiment_score":-0.2243525329977274}],"sentiment":"neutral","sentiment_score":-0.16908022867781775,"channel":1,"num_words":14,"start":2654.7998,"end":2659.8599},{"sentences":[{"text":"Yeah.","start":2660.055,"end":2660.555,"sentiment":"neutral","sentiment_score":-0.13258862495422363},{"text":"Yeah.","start":2660.695,"end":2661.195,"sentiment":"neutral","sentiment_score":-0.13096711039543152}],"sentiment":"neutral","sentiment_score":-0.13177786767482758,"channel":0,"num_words":2,"start":2660.055,"end":2661.195},{"sentences":[{"text":"We have a year ago, probably wouldn't be able to get it.","start":2660.7998,"end":2663.3599,"sentiment":"neutral","sentiment_score":-0.19142300635576248},{"text":"So","start":2663.3599,"end":2663.44,"sentiment":"neutral","sentiment_score":-0.04799598455429077}],"sentiment":"neutral","sentiment_score":-0.18039015852488005,"channel":1,"num_words":13,"start":2660.7998,"end":2663.44},{"sentences":[{"text":"Yep.","start":2663.735,"end":2664.235,"sentiment":"neutral","sentiment_score":-0.025367535650730133},{"text":"No.","start":2664.3801,"end":2664.54,"sentiment":"neutral","sentiment_score":-0.06582000106573105},{"text":"That's understandable.","start":2664.54,"end":2665.28,"sentiment":"neutral","sentiment_score":-0.06658579409122467},{"text":"Not a problem at all.","start":2665.6602,"end":2666.96,"sentiment":"neutral","sentiment_score":0.03609928488731384}],"sentiment":"neutral","sentiment_score":-0.00487363338470459,"channel":0,"num_words":9,"start":2663.735,"end":2666.96},{"sentences":[{"text":"but","start":2667.28,"end":2667.78,"sentiment":"neutral","sentiment_score":0.07272545248270035}],"sentiment":"neutral","sentiment_score":0.07272545248270035,"channel":1,"num_words":1,"start":2667.28,"end":2667.78},{"sentences":[{"text":"And thank","start":2667.34,"end":2667.98,"sentiment":"neutral","sentiment_score":0.13935529440641403}],"sentiment":"neutral","sentiment_score":0.13935529440641403,"channel":0,"num_words":2,"start":2667.34,"end":2667.98},{"sentences":[{"text":"you","start":2667.935,"end":2668.095,"sentiment":"neutral","sentiment_score":0.12470422685146332}],"sentiment":"neutral","sentiment_score":0.12470422685146332,"channel":1,"num_words":1,"start":2667.935,"end":2668.095},{"sentences":[{"text":"you.","start":2667.98,"end":2668.48,"sentiment":"neutral","sentiment_score":0.06133782118558884}],"sentiment":"neutral","sentiment_score":0.06133782118558884,"channel":0,"num_words":1,"start":2667.98,"end":2668.48},{"sentences":[{"text":"never know what comes along, that's all.","start":2668.095,"end":2670.095,"sentiment":"neutral","sentiment_score":-0.0400994744684015},{"text":"You know?","start":2670.095,"end":2670.4949,"sentiment":"neutral","sentiment_score":0.0007736189290881157}],"sentiment":"neutral","sentiment_score":-0.031016564824514918,"channel":1,"num_words":9,"start":2668.095,"end":2670.4949},{"sentences":[{"text":"That's","start":2670.46,"end":2670.78,"sentiment":"neutral","sentiment_score":0.008275624364614487}],"sentiment":"neutral","sentiment_score":0.008275624364614487,"channel":0,"num_words":1,"start":2670.46,"end":2670.78},{"sentences":[{"text":"Okay.","start":2670.4949,"end":2670.9949,"sentiment":"neutral","sentiment_score":0.05007849633693695}],"sentiment":"neutral","sentiment_score":0.05007849633693695,"channel":1,"num_words":1,"start":2670.4949,"end":2670.9949},{"sentences":[{"text":"exactly right.","start":2670.78,"end":2671.76,"sentiment":"neutral","sentiment_score":0.09285534173250198}],"sentiment":"neutral","sentiment_score":0.09285534173250198,"channel":0,"num_words":2,"start":2670.78,"end":2671.76},{"sentences":[{"text":"Yeah.","start":2671.775,"end":2672.275,"sentiment":"neutral","sentiment_score":0.06748878955841064}],"sentiment":"neutral","sentiment_score":0.06748878955841064,"channel":1,"num_words":1,"start":2671.775,"end":2672.275},{"sentences":[{"text":"Yeah.","start":2672.22,"end":2672.72,"sentiment":"neutral","sentiment_score":0.07883794605731964}],"sentiment":"neutral","sentiment_score":0.07883794605731964,"channel":0,"num_words":1,"start":2672.22,"end":2672.72},{"sentences":[{"text":"Yeah.","start":2672.415,"end":2672.915,"sentiment":"neutral","sentiment_score":0.10203026980161668}],"sentiment":"neutral","sentiment_score":0.10203026980161668,"channel":1,"num_words":1,"start":2672.415,"end":2672.915},{"sentences":[{"text":"Yep.","start":2672.94,"end":2673.44,"sentiment":"neutral","sentiment_score":0.139350563287735},{"text":"That is exactly right.","start":2673.58,"end":2675.12,"sentiment":"neutral","sentiment_score":0.27122922614216805},{"text":"Now as I kinda mentioned before, you are in more of a balanced growth portfolio, which generally sees about 70% of your super invested in growth assets.","start":2675.26,"end":2683.125,"sentiment":"neutral","sentiment_score":0.12175755478717663},{"text":"These are the investments that take a bit more that give us a bit more risk, that tend to give us greater returns over the longer term as well.","start":2683.125,"end":2689.9248,"sentiment":"positive","sentiment_score":0.36963557734571656},{"text":"There are things like Australian shares, international shares, listed property, and commodities.","start":2689.9248,"end":2694.505,"sentiment":"neutral","sentiment_score":0.33051608751217526}],"sentiment":"neutral","sentiment_score":0.2629773457572885,"channel":0,"num_words":73,"start":2672.94,"end":2694.505},{"sentences":[{"text":"This sort of portfolio is trying to average around about six to 8% return on a yearly basis.","start":2695.29,"end":2700.49,"sentiment":"positive","sentiment_score":0.5254111190636953},{"text":"So your return this year, while spend along has been down a little bit, is generally in line with what the expectation is of that portfolio.","start":2700.49,"end":2707.6301,"sentiment":"positive","sentiment_score":0.612400437776859},{"text":"You still then have around about 30% in defensive investment fees of things that tend to be lower in risk, things like cash, bonds, and fixed interest.","start":2708.595,"end":2716.835,"sentiment":"positive","sentiment_score":0.34081301203480474},{"text":"We wanna have a mix of both to diversify and spread our risk level over the portfolio.","start":2716.835,"end":2722.215,"sentiment":"positive","sentiment_score":0.40986663716680866},{"text":"Over the course of time.","start":2723.3901,"end":2724.99,"sentiment":"neutral","sentiment_score":0.2704105615615845}],"sentiment":"positive","sentiment_score":0.46130697300998114,"channel":0,"num_words":93,"start":2695.29,"end":2724.99},{"sentences":[{"text":"Those defensive investments help to smooth out long term market fluctuations.","start":2724.99,"end":2729.4102,"sentiment":"positive","sentiment_score":0.3358710435303775},{"text":"So it's good to have some of those in there.","start":2729.6301,"end":2731.97,"sentiment":"positive","sentiment_score":0.5163610726594925},{"text":"The balanced growth portfolio, we do expect the likelihood of a negative return to be about one in six years.","start":2733.1501,"end":2739.7952,"sentiment":"neutral","sentiment_score":-0.13637506626546383},{"text":"So it's relatively low to other portfolios.","start":2739.7952,"end":2741.975,"sentiment":"neutral","sentiment_score":-0.0704118971313749},{"text":"And this sort of investment portfolio suits someone who has about five years before they're wanting to access their their investment or their money.","start":2742.675,"end":2750.5151,"sentiment":"neutral","sentiment_score":0.13452821193883815}],"sentiment":"neutral","sentiment_score":0.12314562064905961,"channel":0,"num_words":72,"start":2724.99,"end":2750.5151},{"sentences":[{"text":"So this does suit where you are.","start":2750.5151,"end":2752.64,"sentiment":"neutral","sentiment_score":0.30642060722623554},{"text":"If you are wanting to take on just a little bit more risk and maybe increase things a bit, we could always move you up into the growth portfolio that increases those growth assets by about 10%.","start":2752.8599,"end":2764.72,"sentiment":"neutral","sentiment_score":0.19905808024309776},{"text":"So you see about 80% invested there.","start":2764.8052,"end":2767.385,"sentiment":"positive","sentiment_score":0.33537555166653227},{"text":"It suits someone who has at least six years before they're wanting to access super.","start":2767.8452,"end":2771.925,"sentiment":"neutral","sentiment_score":0.2771469533443451},{"text":"So at the moment, you're 60.","start":2771.925,"end":2773.385,"sentiment":"neutral","sentiment_score":0.1405781296392282}],"sentiment":"neutral","sentiment_score":0.23414437721172968,"channel":0,"num_words":72,"start":2750.5151,"end":2773.385},{"sentences":[{"text":"If we sort of work to 67, that does give you seven years.","start":2773.5251,"end":2777.0652,"sentiment":"neutral","sentiment_score":0.18800958303304818},{"text":"We wouldn't wanna keep you in that portfolio right up until the day you retire.","start":2777.6301,"end":2781.55,"sentiment":"neutral","sentiment_score":0.12228760768969854},{"text":"So as you get closer, we'll start to reduce your exposure a little bit there as well and make you more defensive.","start":2781.55,"end":2787.1702,"sentiment":"neutral","sentiment_score":0.17485938661477782},{"text":"But did you wanna sort of maybe look at going up and increasing that, those growth assets by 10%, maybe looking at the growth portfolio, just moving up one sort of stage there for a comfort amount, or what would you like me to do?","start":2788.1902,"end":2801.285,"sentiment":"neutral","sentiment_score":0.1901449668738577}],"sentiment":"neutral","sentiment_score":0.17559861799604015,"channel":0,"num_words":95,"start":2773.5251,"end":2801.285},{"sentences":[{"text":"Yeah.","start":2803.395,"end":2803.715,"sentiment":"neutral","sentiment_score":-0.0926116481423378},{"text":"I wish I knew.","start":2803.715,"end":2804.695,"sentiment":"neutral","sentiment_score":-0.20897883921861649},{"text":"I don't know.","start":2805.315,"end":2806.135,"sentiment":"neutral","sentiment_score":-0.23356830577055612}],"sentiment":"neutral","sentiment_score":-0.20365399029105902,"channel":1,"num_words":8,"start":2803.395,"end":2806.135},{"sentences":[{"text":"Yep.","start":2806.96,"end":2807.46,"sentiment":"neutral","sentiment_score":-0.06778058409690857}],"sentiment":"neutral","sentiment_score":-0.06778058409690857,"channel":0,"num_words":1,"start":2806.96,"end":2807.46},{"sentences":[{"text":"Yeah.","start":2811.315,"end":2811.7952,"sentiment":"neutral","sentiment_score":-0.12187746167182922},{"text":"I don't I don't know really.","start":2811.7952,"end":2813.155,"sentiment":"neutral","sentiment_score":-0.20843752721945444},{"text":"I guess","start":2813.155,"end":2813.715,"sentiment":"neutral","sentiment_score":-0.13975679874420166}],"sentiment":"neutral","sentiment_score":-0.18355735805299547,"channel":1,"num_words":9,"start":2811.315,"end":2813.715},{"sentences":[{"text":"That's","start":2813.52,"end":2814.02,"sentiment":"neutral","sentiment_score":-0.09629018604755402}],"sentiment":"neutral","sentiment_score":-0.09629018604755402,"channel":0,"num_words":1,"start":2813.52,"end":2814.02},{"sentences":[{"text":"I guess so.","start":2813.715,"end":2814.45,"sentiment":"neutral","sentiment_score":-0.08004586150248845}],"sentiment":"neutral","sentiment_score":-0.08004586150248845,"channel":1,"num_words":3,"start":2813.715,"end":2814.45},{"sentences":[{"text":"that's okay.","start":2814.16,"end":2815.0598,"sentiment":"neutral","sentiment_score":-0.04000326991081238},{"text":"Would you like me to look at staying in the balance growth option for you at the moment, look at that trends in your time strategy, look at how that how things work for you, look at the overall retirement projection?","start":2815.52,"end":2826.8152,"sentiment":"neutral","sentiment_score":0.08533631655864599},{"text":"If we find it's not gonna be enough, then we could always look at as sort of a worst case scenario, moving you up a little bit, taking on a bit more risk.","start":2827.115,"end":2835.13,"sentiment":"neutral","sentiment_score":-0.1110556587351091},{"text":"Would you like me to look at it that way for you?","start":2835.13,"end":2837.47,"sentiment":"neutral","sentiment_score":0.044537550769746304}],"sentiment":"neutral","sentiment_score":0.003277230796150186,"channel":0,"num_words":88,"start":2814.16,"end":2837.47},{"sentences":[{"text":"Yeah.","start":2839.105,"end":2839.5852,"sentiment":"neutral","sentiment_score":0.029497988522052765},{"text":"Yeah.","start":2839.5852,"end":2840.0652,"sentiment":"neutral","sentiment_score":0.044121406972408295},{"text":"I'll","start":2840.0652,"end":2840.385,"sentiment":"neutral","sentiment_score":0.057914845645427704}],"sentiment":"neutral","sentiment_score":0.043844747046629585,"channel":1,"num_words":3,"start":2839.105,"end":2840.385},{"sentences":[{"text":"Yep.","start":2840.25,"end":2840.75,"sentiment":"neutral","sentiment_score":0.10987602174282074}],"sentiment":"neutral","sentiment_score":0.10987602174282074,"channel":0,"num_words":1,"start":2840.25,"end":2840.75},{"sentences":[{"text":"I'll yes.","start":2840.385,"end":2841.5251,"sentiment":"neutral","sentiment_score":0.11050060391426086}],"sentiment":"neutral","sentiment_score":0.11050060391426086,"channel":1,"num_words":2,"start":2840.385,"end":2841.5251},{"sentences":[{"text":"Yeah.","start":2842.425,"end":2842.925,"sentiment":"neutral","sentiment_score":0.12459365278482436},{"text":"That's okay.","start":2843.0652,"end":2843.885,"sentiment":"neutral","sentiment_score":0.1792980432510376},{"text":"It can kinda keep it sort of as a worst case scenario.","start":2844.105,"end":2846.8252,"sentiment":"neutral","sentiment_score":-0.02231476486970981},{"text":"So, you know, if we're not getting the outcome we're sort of after, if it's not really working, then we could always look to take on a bit more risk.","start":2846.8252,"end":2853.645,"sentiment":"neutral","sentiment_score":-0.0877179078757763},{"text":"But I can","start":2853.705,"end":2854.185,"sentiment":"neutral","sentiment_score":0.032829915483792625}],"sentiment":"neutral","sentiment_score":-0.04828406102024019,"channel":0,"num_words":48,"start":2842.425,"end":2854.185},{"sentences":[{"text":"Yeah.","start":2854.08,"end":2854.335,"sentiment":"neutral","sentiment_score":0.05499617010354996}],"sentiment":"neutral","sentiment_score":0.05499617010354996,"channel":1,"num_words":1,"start":2854.08,"end":2854.335},{"sentences":[{"text":"always just look at sort of keeping the portfolio the same and see see if it works for you that way.","start":2854.185,"end":2858.82,"sentiment":"neutral","sentiment_score":0.1152425195489611},{"text":"Okay?","start":2858.88,"end":2859.38,"sentiment":"neutral","sentiment_score":0.06138932332396507}],"sentiment":"neutral","sentiment_score":0.11279464699327946,"channel":0,"num_words":22,"start":2854.185,"end":2859.38},{"sentences":[{"text":"Yeah.","start":2859.375,"end":2859.875,"sentiment":"neutral","sentiment_score":0.07691697776317596},{"text":"Yeah.","start":2860.255,"end":2860.755,"sentiment":"neutral","sentiment_score":0.1256287395954132}],"sentiment":"neutral","sentiment_score":0.10127285867929459,"channel":1,"num_words":2,"start":2859.375,"end":2860.755},{"sentences":[{"text":"Yep.","start":2860.32,"end":2860.82,"sentiment":"neutral","sentiment_score":0.23571650683879852},{"text":"Beautiful.","start":2861.28,"end":2861.78,"sentiment":"positive","sentiment_score":0.6929003596305847},{"text":"Lovely.","start":2864.0,"end":2864.5,"sentiment":"positive","sentiment_score":0.7279120683670044},{"text":"So I've got that for you.","start":2864.72,"end":2866.5,"sentiment":"positive","sentiment_score":0.5608282635609309},{"text":"Beautiful.","start":2866.88,"end":2867.38,"sentiment":"positive","sentiment_score":0.6749835014343262}],"sentiment":"positive","sentiment_score":0.56964820176363,"channel":0,"num_words":10,"start":2860.32,"end":2867.38},{"sentences":[{"text":"Well, I've basically got everything I need at the moment to kinda go back.","start":2867.76,"end":2870.925,"sentiment":"neutral","sentiment_score":0.20438732206821442},{"text":"So just to kind of recap, we're gonna look at the super.","start":2870.925,"end":2873.405,"sentiment":"neutral","sentiment_score":0.09939262891809146},{"text":"I'll look at where you're in at the moment with Netwealth.","start":2873.405,"end":2876.0452,"sentiment":"neutral","sentiment_score":0.1438650373708118},{"text":"I'll also look at the other options.","start":2876.0452,"end":2877.745,"sentiment":"neutral","sentiment_score":0.12866699695587158},{"text":"I'll try to keep you in that balanced growth environment for you.","start":2877.965,"end":2881.325,"sentiment":"neutral","sentiment_score":0.30097903807957965}],"sentiment":"neutral","sentiment_score":0.18123333754816226,"channel":0,"num_words":56,"start":2867.76,"end":2881.325},{"sentences":[{"text":"As a worst case, we could always look to increase the risk down the track there.","start":2881.325,"end":2884.92,"sentiment":"neutral","sentiment_score":-0.08160901442170143},{"text":"We'll look at removing the underperforming investment for you, replace it with something hopefully lower cost.","start":2885.0,"end":2890.38,"sentiment":"neutral","sentiment_score":-0.005970430327579379},{"text":"I can also look at other investment profiles or portfolios that might sort of if it provides greater benefit, has maybe an option where we can be maneuvering investments for you if they're underperforming.","start":2890.76,"end":2903.075,"sentiment":"neutral","sentiment_score":0.1081923658356947},{"text":"Would you like me to look at alternative investment portfolios like that for you?","start":2903.295,"end":2906.9949,"sentiment":"neutral","sentiment_score":0.07758039182850293}],"sentiment":"neutral","sentiment_score":0.0420424351003021,"channel":0,"num_words":80,"start":2881.325,"end":2906.9949},{"sentences":[{"text":"Yeah.","start":2908.3098,"end":2908.71,"sentiment":"neutral","sentiment_score":0.10082307457923888},{"text":"Yep.","start":2908.71,"end":2909.21,"sentiment":"neutral","sentiment_score":0.1123787984251976}],"sentiment":"neutral","sentiment_score":0.10660093650221825,"channel":1,"num_words":2,"start":2908.3098,"end":2909.21},{"sentences":[{"text":"Yeah.","start":2909.295,"end":2909.67,"sentiment":"neutral","sentiment_score":0.19588130712509155},{"text":"All good.","start":2910.5498,"end":2911.29,"sentiment":"positive","sentiment_score":0.36916427314281464},{"text":"The other thing I just said of I had a wanted to have a look at is you don't have any insurances.","start":2912.39,"end":2916.41,"sentiment":"neutral","sentiment_score":-0.009645936333320358},{"text":"Now I know you are 60.","start":2916.47,"end":2917.75,"sentiment":"neutral","sentiment_score":-0.024797655642032623},{"text":"So, realistically, if you were to pass away, I can see here that your super balance will be paid out as a benefit there.","start":2917.75,"end":2924.565,"sentiment":"neutral","sentiment_score":0.07573631584333877}],"sentiment":"neutral","sentiment_score":0.04347063455392014,"channel":0,"num_words":55,"start":2909.295,"end":2924.565},{"sentences":[{"text":"But you don't have any personal insurances, the life TPD income protection.","start":2924.885,"end":2929.545,"sentiment":"neutral","sentiment_score":-0.11615122016519308},{"text":"In the event of, say, a TPD claim, we can be giving your age access super under permanent incapacity so you can make a claim on super that way.","start":2930.405,"end":2939.7,"sentiment":"neutral","sentiment_score":-0.039751413374625406},{"text":"If you were to pass away, the last benefit would just be paid out of your super balance.","start":2940.02,"end":2945.38,"sentiment":"neutral","sentiment_score":-0.13955455645918846},{"text":"So whatever your super balance is paid out to your beneficiary there as well.","start":2945.38,"end":2949.0,"sentiment":"neutral","sentiment_score":-0.0037013578361698557},{"text":"But in the event of not being able to work in the shorter term, we would again have to try and access super.","start":2949.7,"end":2954.8398,"sentiment":"neutral","sentiment_score":-0.19058800423922745}],"sentiment":"neutral","sentiment_score":-0.09889511201375474,"channel":0,"num_words":96,"start":2924.885,"end":2954.8398},{"sentences":[{"text":"And because you are 60, if you were not working, we could, you know, access super under that sort of benefit and give you some money out of there.","start":2955.405,"end":2963.2651,"sentiment":"neutral","sentiment_score":0.01200601342937042},{"text":"But are you comfortable not having insurances?","start":2963.405,"end":2965.665,"sentiment":"neutral","sentiment_score":-0.11255149756159101},{"text":"Are you happy to sort of continue that way?","start":2966.0452,"end":2968.68,"sentiment":"neutral","sentiment_score":-0.10188905480835173},{"text":"What's your thoughts around the personal insurance side of things?","start":2968.68,"end":2971.5,"sentiment":"neutral","sentiment_score":-0.06595341823995113}],"sentiment":"neutral","sentiment_score":-0.036658577620983124,"channel":0,"num_words":55,"start":2955.405,"end":2971.5},{"sentences":[{"text":"Yeah.","start":2975.535,"end":2976.035,"sentiment":"neutral","sentiment_score":-0.09411168098449708},{"text":"I I don't know.","start":2976.4148,"end":2977.4548,"sentiment":"neutral","sentiment_score":-0.22063308581709862},{"text":"I hate the insurance part.","start":2977.4548,"end":2979.055,"sentiment":"negative","sentiment_score":-0.48232471346855166},{"text":"It's it's","start":2979.055,"end":2979.615,"sentiment":"negative","sentiment_score":-0.3483448028564453}],"sentiment":"negative","sentiment_score":-0.3404130997757117,"channel":1,"num_words":12,"start":2975.535,"end":2979.615},{"sentences":[{"text":"Yeah.","start":2979.56,"end":2980.06,"sentiment":"neutral","sentiment_score":-0.26697275042533875}],"sentiment":"neutral","sentiment_score":-0.26697275042533875,"channel":0,"num_words":1,"start":2979.56,"end":2980.06},{"sentences":[{"text":"something you need you need you need to do something about.","start":2979.615,"end":2983.555,"sentiment":"negative","sentiment_score":-0.4296451807022095}],"sentiment":"negative","sentiment_score":-0.4296451807022095,"channel":1,"num_words":11,"start":2979.615,"end":2983.555},{"sentences":[{"text":"Yeah.","start":2984.395,"end":2984.875,"sentiment":"neutral","sentiment_score":-0.13057579100131989},{"text":"I mean, given your age because you are 60 look.","start":2984.875,"end":2987.435,"sentiment":"neutral","sentiment_score":-0.10845517218112946},{"text":"And the realistic view is if you are not working, if you stop working due to your illness or whatever, you can access it.","start":2987.435,"end":2994.93,"sentiment":"neutral","sentiment_score":-0.23099334600071111},{"text":"If you're over 60, not working, or dropping it.","start":2994.93,"end":2997.49,"sentiment":"neutral","sentiment_score":-0.23372229437033334},{"text":"You know?","start":2997.49,"end":2998.31,"sentiment":"neutral","sentiment_score":-0.149245023727417}],"sentiment":"neutral","sentiment_score":-0.1991512720351634,"channel":0,"num_words":46,"start":2984.395,"end":2998.31},{"sentences":[{"text":"Ceasing work is essentially the condition of release to access your super, so you could do so.","start":2998.45,"end":3004.79,"sentiment":"neutral","sentiment_score":-0.297602364245583},{"text":"Permanent incapacity, again, is the same sort of thing.","start":3005.17,"end":3007.7349,"sentiment":"neutral","sentiment_score":-0.21893995669153002},{"text":"Claiming that against your super, and that provides the benefit to you so you can access your super if you were diagnosed with some sort of disability that stopped you from working.","start":3007.7349,"end":3016.2349,"sentiment":"neutral","sentiment_score":-0.1377572533674538},{"text":"And if you were to pass away, your super benefit is paid out to your partner or to your beneficiary as a life benefit as well.","start":3016.775,"end":3025.7,"sentiment":"neutral","sentiment_score":-0.03978628392976064},{"text":"So you do sort of have those covers there without actually having insurances.","start":3025.7,"end":3029.24,"sentiment":"neutral","sentiment_score":-0.011837975910076726}],"sentiment":"neutral","sentiment_score":-0.13016772143465957,"channel":0,"num_words":97,"start":2998.45,"end":3029.24},{"sentences":[{"text":"The downside to not having insurances is that it is only your super that is paid out to provide that benefit.","start":3030.5,"end":3035.94,"sentiment":"neutral","sentiment_score":-0.2910278184073312},{"text":"You don't have anything additional to fall back on.","start":3035.94,"end":3038.6,"sentiment":"neutral","sentiment_score":-0.27447424829006195},{"text":"The benefit","start":3038.925,"end":3039.565,"sentiment":"neutral","sentiment_score":0.05938371643424034}],"sentiment":"neutral","sentiment_score":-0.264471405884251,"channel":0,"num_words":32,"start":3030.5,"end":3039.565},{"sentences":[{"text":"Yep.","start":3039.0852,"end":3039.5852,"sentiment":"neutral","sentiment_score":0.1827484965324402}],"sentiment":"neutral","sentiment_score":0.1827484965324402,"channel":1,"num_words":1,"start":3039.0852,"end":3039.5852},{"sentences":[{"text":"to not having insurance is is that you're not paying for those premiums out of your super, and that can have a long term effect on your super as well.","start":3039.565,"end":3046.605,"sentiment":"neutral","sentiment_score":0.02234616974989573},{"text":"So I","start":3046.605,"end":3047.325,"sentiment":"neutral","sentiment_score":0.0838402733206749}],"sentiment":"neutral","sentiment_score":0.02618955122306943,"channel":0,"num_words":32,"start":3039.565,"end":3047.325},{"sentences":[{"text":"Yeah.","start":3047.2002,"end":3047.6802,"sentiment":"neutral","sentiment_score":0.1052766814827919}],"sentiment":"neutral","sentiment_score":0.1052766814827919,"channel":1,"num_words":1,"start":3047.2002,"end":3047.6802},{"sentences":[{"text":"just wanted","start":3047.325,"end":3047.965,"sentiment":"neutral","sentiment_score":0.10756104439496994}],"sentiment":"neutral","sentiment_score":0.10756104439496994,"channel":0,"num_words":2,"start":3047.325,"end":3047.965},{"sentences":[{"text":"Yep.","start":3047.6802,"end":3048.1802,"sentiment":"neutral","sentiment_score":0.1003580093383789}],"sentiment":"neutral","sentiment_score":0.1003580093383789,"channel":1,"num_words":1,"start":3047.6802,"end":3048.1802},{"sentences":[{"text":"to sort of make sure I'm clarifying that with you and confirm your comfort level.","start":3047.965,"end":3053.0051,"sentiment":"neutral","sentiment_score":0.10204224437475204},{"text":"But did you want us to look at some sort of cover for you, or are you happy just with what you've got and just wanting to maximize super?","start":3053.0051,"end":3060.23,"sentiment":"neutral","sentiment_score":0.0719788355817055},{"text":"What's your where your where's your comfort level at?","start":3060.23,"end":3063.29,"sentiment":"neutral","sentiment_score":0.05036568600270483}],"sentiment":"neutral","sentiment_score":0.07681719002858647,"channel":0,"num_words":53,"start":3047.965,"end":3063.29},{"sentences":[{"text":"At this stage, I guess I'm happy.","start":3064.245,"end":3066.6401,"sentiment":"positive","sentiment_score":0.36256066390446257},{"text":"I take","start":3067.02,"end":3067.34,"sentiment":"positive","sentiment_score":0.41881394386291504}],"sentiment":"positive","sentiment_score":0.37506139278411865,"channel":1,"num_words":9,"start":3064.245,"end":3067.34},{"sentences":[{"text":"Yep.","start":3067.2852,"end":3067.7852,"sentiment":"positive","sentiment_score":0.38132232427597046}],"sentiment":"positive","sentiment_score":0.38132232427597046,"channel":0,"num_words":1,"start":3067.2852,"end":3067.7852},{"sentences":[{"text":"that to the chance, I guess.","start":3067.34,"end":3069.1802,"sentiment":"neutral","sentiment_score":0.27729887266953784},{"text":"And,","start":3069.1802,"end":3069.6802,"sentiment":"neutral","sentiment_score":0.17710383236408234}],"sentiment":"neutral","sentiment_score":0.2629852954830442,"channel":1,"num_words":7,"start":3067.34,"end":3069.6802},{"sentences":[{"text":"Yep.","start":3069.445,"end":3069.945,"sentiment":"neutral","sentiment_score":0.1759282946586609}],"sentiment":"neutral","sentiment_score":0.1759282946586609,"channel":0,"num_words":1,"start":3069.445,"end":3069.945},{"sentences":[{"text":"yes, at this stage, that'll do.","start":3070.78,"end":3073.2002,"sentiment":"neutral","sentiment_score":0.2172775169213613}],"sentiment":"neutral","sentiment_score":0.2172775169213613,"channel":1,"num_words":6,"start":3070.78,"end":3073.2002},{"sentences":[{"text":"Yep.","start":3072.965,"end":3073.465,"sentiment":"neutral","sentiment_score":0.22791998088359833},{"text":"That's okay.","start":3073.685,"end":3074.485,"sentiment":"positive","sentiment_score":0.36077530682086945},{"text":"And the other thing we do have to sort of discuss is the option of trauma.","start":3074.485,"end":3077.7651,"sentiment":"neutral","sentiment_score":0.03431029000785202},{"text":"So trauma is not an insurances that are paid.","start":3077.7651,"end":3081.87,"sentiment":"neutral","sentiment_score":-0.03132036535276307},{"text":"In SOP, you have to pay for them out of your back pocket, but trauma tends to pay out a lump sum tax free benefit in the event that you are diagnosed with, say, certain cancers, neurological conditions, Parkinson's, things like that.","start":3082.4102,"end":3093.885,"sentiment":"neutral","sentiment_score":0.04039310927813252}],"sentiment":"neutral","sentiment_score":0.04161517908796668,"channel":0,"num_words":70,"start":3072.965,"end":3093.885},{"sentences":[{"text":"Did you wanna look at getting any trauma?","start":3094.605,"end":3096.605,"sentiment":"neutral","sentiment_score":-0.018387701828032732},{"text":"You're happy not to have trauma as another option?","start":3096.605,"end":3099.745,"sentiment":"neutral","sentiment_score":0.02494966487089793}],"sentiment":"neutral","sentiment_score":0.004555609953754088,"channel":0,"num_words":17,"start":3094.605,"end":3099.745},{"sentences":[{"text":"I guess at this stage,","start":3103.3901,"end":3104.85,"sentiment":"neutral","sentiment_score":-0.06192127466201782}],"sentiment":"neutral","sentiment_score":-0.06192127466201782,"channel":1,"num_words":5,"start":3103.3901,"end":3104.85},{"sentences":[{"text":"Yeah.","start":3105.405,"end":3105.905,"sentiment":"neutral","sentiment_score":-0.0704786479473114}],"sentiment":"neutral","sentiment_score":-0.0704786479473114,"channel":0,"num_words":1,"start":3105.405,"end":3105.905},{"sentences":[{"text":"I'm gonna need yeah, probably need something one day.","start":3105.6301,"end":3109.185,"sentiment":"neutral","sentiment_score":-0.1269968127210935}],"sentiment":"neutral","sentiment_score":-0.1269968127210935,"channel":1,"num_words":9,"start":3105.6301,"end":3109.185},{"sentences":[{"text":"Yeah.","start":3109.87,"end":3110.37,"sentiment":"neutral","sentiment_score":0.015046775341033936}],"sentiment":"neutral","sentiment_score":0.015046775341033936,"channel":0,"num_words":1,"start":3109.87,"end":3110.37},{"sentences":[{"text":"Yeah.","start":3111.085,"end":3111.585,"sentiment":"neutral","sentiment_score":0.02972429059445858},{"text":"Just yeah.","start":3111.645,"end":3112.365,"sentiment":"neutral","sentiment_score":0.030255695804953575},{"text":"Anyway, that'll at this stage, it should be alright.","start":3112.365,"end":3114.705,"sentiment":"neutral","sentiment_score":0.16529720938867992}],"sentiment":"neutral","sentiment_score":0.1314925472252071,"channel":1,"num_words":12,"start":3111.085,"end":3114.705},{"sentences":[{"text":"This day should be fine.","start":3115.2302,"end":3116.27,"sentiment":"positive","sentiment_score":0.3530257761478424},{"text":"Not a problem at all.","start":3116.27,"end":3117.2302,"sentiment":"neutral","sentiment_score":0.17792373299598693},{"text":"I just thought I'd have to go through those with you to sort of make sure that you're aware and understand the differences","start":3117.2302,"end":3123.0151,"sentiment":"neutral","sentiment_score":0.04695921051113502}],"sentiment":"neutral","sentiment_score":0.1131760420447046,"channel":0,"num_words":33,"start":3115.2302,"end":3123.0151},{"sentences":[{"text":"Yep.","start":3122.59,"end":3123.09,"sentiment":"neutral","sentiment_score":0.05148497223854065}],"sentiment":"neutral","sentiment_score":0.05148497223854065,"channel":1,"num_words":1,"start":3122.59,"end":3123.09},{"sentences":[{"text":"there.","start":3123.075,"end":3123.575,"sentiment":"neutral","sentiment_score":0.05769558250904083},{"text":"We always have to give you the option.","start":3123.875,"end":3125.475,"sentiment":"neutral","sentiment_score":0.14770561177283525},{"text":"That's all.","start":3125.475,"end":3126.0352,"sentiment":"neutral","sentiment_score":0.16102507710456848},{"text":"So","start":3126.0352,"end":3126.5352,"sentiment":"neutral","sentiment_score":0.21175603568553925}],"sentiment":"neutral","sentiment_score":0.14776222221553326,"channel":0,"num_words":12,"start":3123.075,"end":3126.5352},{"sentences":[{"text":"Yep.","start":3126.67,"end":3127.17,"sentiment":"neutral","sentiment_score":0.29636868834495544}],"sentiment":"neutral","sentiment_score":0.29636868834495544,"channel":1,"num_words":1,"start":3126.67,"end":3127.17},{"sentences":[{"text":"I'd like to make sure I'm giving you all the information to be able to make that decision comfortably.","start":3126.7551,"end":3131.0151,"sentiment":"positive","sentiment_score":0.36029971273321854},{"text":"Okay.","start":3131.3152,"end":3131.8152,"sentiment":"neutral","sentiment_score":0.16933146119117737}],"sentiment":"positive","sentiment_score":0.3507513001561165,"channel":0,"num_words":20,"start":3126.7551,"end":3131.8152},{"sentences":[{"text":"K.","start":3133.23,"end":3133.665,"sentiment":"neutral","sentiment_score":0.21460777521133423}],"sentiment":"neutral","sentiment_score":0.21460777521133423,"channel":1,"num_words":1,"start":3133.23,"end":3133.665},{"sentences":[{"text":"Perfect.","start":3134.09,"end":3134.59,"sentiment":"positive","sentiment_score":0.3907345235347748},{"text":"So we're focusing on the super looking at ways to benefit there.","start":3134.97,"end":3137.9302,"sentiment":"neutral","sentiment_score":0.26313333710034686},{"text":"I'll look at the transition retirement strategy for you.","start":3137.9302,"end":3141.3901,"sentiment":"neutral","sentiment_score":0.1872781150870853},{"text":"I'm looking at taking out a 10% withdrawal this year and then maybe looking at the TTR strategy moving forward.","start":3141.53,"end":3147.675,"sentiment":"neutral","sentiment_score":0.18849596828222276},{"text":"We're working on a take home pay keeping your take home pay at around that $1,500 mark per week.","start":3147.915,"end":3153.7551,"sentiment":"neutral","sentiment_score":0.15388479515125877}],"sentiment":"neutral","sentiment_score":0.19553390291870618,"channel":0,"num_words":61,"start":3134.09,"end":3153.7551},{"sentences":[{"text":"Is that right?","start":3153.7551,"end":3154.475,"sentiment":"neutral","sentiment_score":0.10153737912575404},{"text":"Sorry.","start":3154.475,"end":3154.715,"sentiment":"neutral","sentiment_score":-0.03335238993167877},{"text":"It's per week, isn't it?","start":3154.715,"end":3155.835,"sentiment":"neutral","sentiment_score":-0.04357140138745308},{"text":"Your take home pay, 1,500 per week","start":3155.835,"end":3158.0151,"sentiment":"neutral","sentiment_score":-0.016519030689128807}],"sentiment":"neutral","sentiment_score":-0.0038894046447239816,"channel":0,"num_words":16,"start":3153.7551,"end":3158.0151},{"sentences":[{"text":"Yeah.","start":3158.31,"end":3158.81,"sentiment":"neutral","sentiment_score":-0.01095974538475275}],"sentiment":"neutral","sentiment_score":-0.01095974538475275,"channel":1,"num_words":1,"start":3158.31,"end":3158.81},{"sentences":[{"text":"or fortnight?","start":3158.715,"end":3159.455,"sentiment":"neutral","sentiment_score":-0.011256498284637928},{"text":"Per week?","start":3160.1,"end":3160.84,"sentiment":"neutral","sentiment_score":-0.008332680445164442}],"sentiment":"neutral","sentiment_score":-0.009794589364901185,"channel":0,"num_words":4,"start":3158.715,"end":3160.84},{"sentences":[{"text":"I'll put it with yeah.","start":3160.47,"end":3161.745,"sentiment":"neutral","sentiment_score":0.012840944901108741}],"sentiment":"neutral","sentiment_score":0.012840944901108741,"channel":1,"num_words":5,"start":3160.47,"end":3161.745},{"sentences":[{"text":"Per week.","start":3161.7,"end":3162.26,"sentiment":"neutral","sentiment_score":0.010808546096086502},{"text":"Yep.","start":3162.26,"end":3162.58,"sentiment":"neutral","sentiment_score":0.1703895777463913},{"text":"Perfect.","start":3162.58,"end":3163.06,"sentiment":"positive","sentiment_score":0.4222029149532318},{"text":"Just wanna clarify that for you.","start":3163.06,"end":3165.24,"sentiment":"neutral","sentiment_score":0.25193458795547485},{"text":"And, yes, I'll go back and do all that additional research for you.","start":3166.98,"end":3170.34,"sentiment":"neutral","sentiment_score":0.24126277233545596}],"sentiment":"neutral","sentiment_score":0.22879274578198142,"channel":0,"num_words":23,"start":3161.7,"end":3170.34},{"sentences":[{"text":"If I find it's not gonna work, we could just look at salary sacrificing and seeing what that can do to help you.","start":3170.34,"end":3176.7551,"sentiment":"negative","sentiment_score":-0.38010159588378406},{"text":"If there's another conversation I need to have, I'll come back and have that with you.","start":3176.8152,"end":3180.495,"sentiment":"neutral","sentiment_score":-0.07488381874281913},{"text":"But I've got a a lot of really good ideas that we can look at for you, some different strategies to assess, and we can update the advice document and come back and show you what that looks like so you can decide whether you're happy to take on the advice or not.","start":3180.495,"end":3193.9202,"sentiment":"positive","sentiment_score":0.415317454709197},{"text":"Does that sound okay, Darren?","start":3193.9202,"end":3195.46,"sentiment":"neutral","sentiment_score":0.2505118638277054}],"sentiment":"neutral","sentiment_score":0.1373598619949879,"channel":0,"num_words":97,"start":3170.34,"end":3195.46},{"sentences":[{"text":"Yep.","start":3195.885,"end":3196.2048,"sentiment":"neutral","sentiment_score":0.3229258358478546},{"text":"That sounds good.","start":3196.2048,"end":3197.185,"sentiment":"positive","sentiment_score":0.6071817874908447}],"sentiment":"positive","sentiment_score":0.5361177995800972,"channel":1,"num_words":4,"start":3195.885,"end":3197.185},{"sentences":[{"text":"Yep.","start":3196.8,"end":3197.3,"sentiment":"positive","sentiment_score":0.3783959746360779},{"text":"Beautiful.","start":3197.52,"end":3198.02,"sentiment":"positive","sentiment_score":0.6281440854072571},{"text":"Do you have any questions?","start":3198.08,"end":3199.12,"sentiment":"neutral","sentiment_score":0.19380101859569548},{"text":"I know I've asked you everything under the sun.","start":3199.12,"end":3201.12,"sentiment":"neutral","sentiment_score":0.13690558903747135},{"text":"I know as much about you as possible.","start":3201.12,"end":3203.04,"sentiment":"neutral","sentiment_score":0.20660939440131187}],"sentiment":"neutral","sentiment_score":0.20252377539873123,"channel":0,"num_words":24,"start":3196.8,"end":3203.04},{"sentences":[{"text":"But do you have any questions for me?","start":3203.04,"end":3205.185,"sentiment":"neutral","sentiment_score":0.0141319849062711},{"text":"Did you want me to kinda break anything further down for you?","start":3205.2651,"end":3208.245,"sentiment":"neutral","sentiment_score":-0.00823864775399367},{"text":"Or","start":3208.3052,"end":3208.385,"sentiment":"neutral","sentiment_score":-0.07250501215457916}],"sentiment":"neutral","sentiment_score":-0.002776805045349257,"channel":0,"num_words":21,"start":3203.04,"end":3208.385},{"sentences":[{"text":"No.","start":3210.6902,"end":3211.01,"sentiment":"neutral","sentiment_score":-0.17898818850517273},{"text":"I think that's yeah.","start":3211.01,"end":3212.37,"sentiment":"neutral","sentiment_score":-0.09743049927055836},{"text":"That's about","start":3212.37,"end":3212.6902,"sentiment":"neutral","sentiment_score":0.09611091017723083}],"sentiment":"neutral","sentiment_score":-0.053784052176134925,"channel":1,"num_words":7,"start":3210.6902,"end":3212.6902},{"sentences":[{"text":"Yep.","start":3212.625,"end":3213.125,"sentiment":"neutral","sentiment_score":0.18317203223705292}],"sentiment":"neutral","sentiment_score":0.18317203223705292,"channel":0,"num_words":1,"start":3212.625,"end":3213.125},{"sentences":[{"text":"it.","start":3212.6902,"end":3213.1902,"sentiment":"neutral","sentiment_score":0.2596915662288666}],"sentiment":"neutral","sentiment_score":0.2596915662288666,"channel":1,"num_words":1,"start":3212.6902,"end":3213.1902},{"sentences":[{"text":"Beautiful.","start":3213.585,"end":3214.085,"sentiment":"positive","sentiment_score":0.5696365237236023},{"text":"Well, if you find you do have questions, please do let me know.","start":3214.145,"end":3217.2,"sentiment":"neutral","sentiment_score":0.14377421484543726},{"text":"I have sent the annual review documents to you, which does give you a summary of your balance.","start":3217.68,"end":3222.24,"sentiment":"neutral","sentiment_score":0.2195955291390419},{"text":"It also has the internal rate of return report that we went through, giving you the returns and how your sleeper has performed.","start":3222.24,"end":3228.5798,"sentiment":"neutral","sentiment_score":0.22936235238676486},{"text":"It's also got there the ongoing service agreement attached, So that's essentially just letting you know that you do pay an ongoing service fee for our services, which is 1.65% per annum.","start":3229.2,"end":3239.345,"sentiment":"neutral","sentiment_score":0.16412074747495353}],"sentiment":"neutral","sentiment_score":0.1944668835093235,"channel":0,"num_words":87,"start":3213.585,"end":3239.345},{"sentences":[{"text":"It is deducted in smaller monthly increments out of your super, and that allows us to be looking after your super, monitoring everything for you, but also updating the advice and the strategies.","start":3239.645,"end":3248.22,"sentiment":"neutral","sentiment_score":0.29242510596911114},{"text":"There's no additional fees for that.","start":3248.22,"end":3249.9,"sentiment":"neutral","sentiment_score":0.17971369127432504},{"text":"So if I can get you to run your eyes over the documents there, return those and your review documents back for us.","start":3249.9,"end":3255.92,"sentiment":"neutral","sentiment_score":0.26803522135900415},{"text":"You'll also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it.","start":3256.22,"end":3262.525,"sentiment":"neutral","sentiment_score":0.20325328844288984},{"text":"It outlines all the important aspects of our job, making sure that we're abiding by the corporations act specifically sorry, specifically, section nine of that.","start":3262.525,"end":3271.9648,"sentiment":"neutral","sentiment_score":0.15966713979840277}],"sentiment":"neutral","sentiment_score":0.2320980013826409,"channel":0,"num_words":111,"start":3239.645,"end":3271.9648},{"sentences":[{"text":"We also make sure that we abide by privacy rules and regulations, making sure to do security with you on a regular basis.","start":3271.9648,"end":3273.236,"sentiment":"neutral","sentiment_score":0.17659227294928354},{"text":"And if you And if you wanna have a look through that document, it's also got a lovely picture of me in there.","start":3273.236,"end":3282.58,"sentiment":"neutral","sentiment_score":0.2927034741834454},{"text":"So you can also see what I look like and get a bit of an idea of who I am as a financial adviser.","start":3282.58,"end":3287.56,"sentiment":"neutral","sentiment_score":0.24793677714963755},{"text":"Okay?","start":3287.78,"end":3288.28,"sentiment":"neutral","sentiment_score":0.1884097158908844}],"sentiment":"neutral","sentiment_score":0.23848865565542185,"channel":0,"num_words":71,"start":3271.9648,"end":3288.28},{"sentences":[{"text":"Okay.","start":3288.835,"end":3289.335,"sentiment":"neutral","sentiment_score":0.2675101161003113}],"sentiment":"neutral","sentiment_score":0.2675101161003113,"channel":1,"num_words":1,"start":3288.835,"end":3289.335},{"sentences":[{"text":"Beautiful.","start":3290.165,"end":3290.665,"sentiment":"positive","sentiment_score":0.7372420430183411},{"text":"Beautiful.","start":3290.805,"end":3291.305,"sentiment":"positive","sentiment_score":0.7451013326644897},{"text":"Did you have any other questions?","start":3291.445,"end":3293.045,"sentiment":"neutral","sentiment_score":0.30931684374809265},{"text":"Have I sort of touched on the points that were more important to you today?","start":3293.045,"end":3296.165,"sentiment":"neutral","sentiment_score":0.2428462415933609},{"text":"Is there anything else that might come to mind that you wanted to ask me at all?","start":3296.165,"end":3300.105,"sentiment":"neutral","sentiment_score":0.12055238380151637}],"sentiment":"neutral","sentiment_score":0.22575821466743945,"channel":0,"num_words":40,"start":3290.165,"end":3300.105},{"sentences":[{"text":"No.","start":3301.665,"end":3301.905,"sentiment":"neutral","sentiment_score":-0.14787733554840088},{"text":"No.","start":3301.905,"end":3302.1,"sentiment":"neutral","sentiment_score":-0.14671409130096436},{"text":"I think that's","start":3302.1,"end":3303.0452,"sentiment":"neutral","sentiment_score":-0.1290158008535703}],"sentiment":"neutral","sentiment_score":-0.13632776588201523,"channel":1,"num_words":5,"start":3301.665,"end":3303.0452},{"sentences":[{"text":"No?","start":3302.74,"end":3303.24,"sentiment":"neutral","sentiment_score":-0.12397481501102448},{"text":"That's okay.","start":3303.78,"end":3304.5999,"sentiment":"neutral","sentiment_score":0.02702796133235097},{"text":"If anything does happen to come to mind at any point, please","start":3304.8198,"end":3307.94,"sentiment":"neutral","sentiment_score":0.06484512115518253}],"sentiment":"neutral","sentiment_score":0.04721483743439118,"channel":0,"num_words":15,"start":3302.74,"end":3307.94},{"sentences":[{"text":"it.","start":3307.825,"end":3308.325,"sentiment":"neutral","sentiment_score":0.03927689045667648}],"sentiment":"neutral","sentiment_score":0.03927689045667648,"channel":1,"num_words":1,"start":3307.825,"end":3308.325},{"sentences":[{"text":"do let us know.","start":3307.94,"end":3308.74,"sentiment":"neutral","sentiment_score":0.10533235315233469},{"text":"We are here, and I will always make time to take the call for you.","start":3308.74,"end":3311.96,"sentiment":"neutral","sentiment_score":0.28193447093168894},{"text":"But, yeah, I'll get started on this research.","start":3312.675,"end":3314.675,"sentiment":"neutral","sentiment_score":0.24281807243824005},{"text":"And as soon as we have it ready to go, I'll book you back in, and we'll go through the advice document together.","start":3314.675,"end":3319.655,"sentiment":"neutral","sentiment_score":0.23188976166041},{"text":"Okay?","start":3319.875,"end":3320.375,"sentiment":"neutral","sentiment_score":0.1280607283115387}],"sentiment":"neutral","sentiment_score":0.23636110397238358,"channel":0,"num_words":51,"start":3307.94,"end":3320.375},{"sentences":[{"text":"Alright.","start":3320.66,"end":3321.16,"sentiment":"positive","sentiment_score":0.44295233488082886},{"text":"Thank you very much.","start":3321.3,"end":3322.36,"sentiment":"positive","sentiment_score":0.8124646693468094}],"sentiment":"positive","sentiment_score":0.7385622024536133,"channel":1,"num_words":5,"start":3320.66,"end":3322.36},{"sentences":[{"text":"My pleasure.","start":3322.675,"end":3323.315,"sentiment":"positive","sentiment_score":0.8355202972888947},{"text":"Thank you so much for your time today.","start":3323.315,"end":3324.995,"sentiment":"positive","sentiment_score":0.8762189149856567},{"text":"I appreciate it.","start":3324.995,"end":3326.0352,"sentiment":"positive","sentiment_score":0.8736732403437296},{"text":"I hope you have a lovely rest of your day.","start":3326.0352,"end":3328.2952,"sentiment":"positive","sentiment_score":0.8324011087417602}],"sentiment":"positive","sentiment_score":0.8532966401266016,"channel":0,"num_words":23,"start":3322.675,"end":3328.2952},{"sentences":[{"text":"Yeah.","start":3329.1401,"end":3329.3801,"sentiment":"positive","sentiment_score":0.42427265644073486},{"text":"You too.","start":3329.3801,"end":3329.86,"sentiment":"positive","sentiment_score":0.4006294310092926},{"text":"Thanks.","start":3329.86,"end":3330.1648,"sentiment":"positive","sentiment_score":0.5867143869400024}],"sentiment":"positive","sentiment_score":0.4530614763498306,"channel":1,"num_words":4,"start":3329.1401,"end":3330.1648},{"sentences":[{"text":"Thanks, Darren.","start":3330.8599,"end":3331.5798,"sentiment":"positive","sentiment_score":0.6201378405094147},{"text":"Talk to you soon.","start":3331.5798,"end":3332.46,"sentiment":"positive","sentiment_score":0.4956253096461296},{"text":"See you later.","start":3332.46,"end":3333.3599,"sentiment":"positive","sentiment_score":0.38011783361434937}],"sentiment":"positive","sentiment_score":0.4847922689384884,"channel":0,"num_words":9,"start":3330.8599,"end":3333.3599},{"sentences":[{"text":"Bye.","start":3333.9248,"end":3334.4248,"sentiment":"neutral","sentiment_score":0.20599053800106049}],"sentiment":"neutral","sentiment_score":0.20599053800106049,"channel":1,"num_words":1,"start":3333.9248,"end":3334.4248},{"sentences":[{"text":"Bye.","start":3334.2998,"end":3334.7998,"sentiment":"neutral","sentiment_score":-0.10248898714780807}],"sentiment":"neutral","sentiment_score":-0.10248898714780807,"channel":0,"num_words":1,"start":3334.2998,"end":3334.7998}]},"summary":{"result":"success","short":"During a call with Okey Financial, the representative discusses the retirement plans and strategies of the customer, including their super fund and renting a house. They also discuss the benefits of investing in cybersecurity and the retirement planning process. The agent suggests removingcover from the portfolio and investing in a low-cost and past-performing investment. They also discuss personal insurance coverage and retirement strategy, emphasizing the importance of personal insurance coverage and updating financial services guides. The agent emphasizes the importance of privacy regulations and provides a picture of the customer."},"intents":{"segments":[{"text":"I had to put in to go through an annual review today. Is now still a good time there for you? Yeah.","start_word":17,"end_word":38,"intents":[{"intent":"Schedule annual review","confidence_score":0.01545466}]},{"text":"And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm for me your full name, date of birth, and address that I should have on file. Yeah.","start_word":118,"end_word":157,"intents":[{"intent":"Get security information","confidence_score":0.00017428052}]},{"text":"And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm for me your full name, date of birth, and address that I should have on file. Yeah. Karen Casar.","start_word":118,"end_word":159,"intents":[{"intent":"Discuss personal information","confidence_score":0.1737362}]},{"text":"Darren, as part of your annual review there, is there anything particular you wanted to touch base on or any questions that you had that you wanted to maybe ask me while you've got us here as well? No.","start_word":269,"end_word":307,"intents":[{"intent":"Touch base on questions","confidence_score":0.26037234}]},{"text":"What's your goal with your super when you retire? Well, yeah.","start_word":839,"end_word":849,"intents":[{"intent":"Discuss super retirement goals and goals","confidence_score":0.0005525083}]},{"text":"So the the prospect of renting through retirement is a realistic sort of prospect for yourself. You think you'll need to consider the rental, like, the cost of renting long term? Yeah.","start_word":910,"end_word":941,"intents":[{"intent":"Consider renting through retirement","confidence_score":0.034438018}]},{"text":"So there are some really cool strategies that we could maybe look to put in place for you to be able to help you to boost your balance there. Just having a look, and I'll give you I'm actually gonna also send you through some annual review documents. Do you have access to your emails at the moment, or would you prefer me just to go through things and you can have a look at the documents later?","start_word":984,"end_word":1061,"intents":[{"intent":"Discuss balance and review documents","confidence_score":0.11564538}]},{"text":"Do you have access to your emails at the moment, or would you prefer me just to go through things and you can have a look at the documents later?","start_word":1032,"end_word":1061,"intents":[{"intent":"Request visit to email","confidence_score":0.00024073287}]},{"text":"I'll go through everything with you and sort of give you a bit of an update on where your super is up to.","start_word":1126,"end_word":1148,"intents":[{"intent":"Update super super","confidence_score":0.009846909}]},{"text":"One of the things, when I have a look at how the performance has gone over the last twelve months there so sorry.","start_word":1293,"end_word":1315,"intents":[{"intent":"Check performance","confidence_score":0.0008044649}]},{"text":"One of the things I would like to sort of look at is having a look at the underlying performance. So that is essentially what your whole portfolio has done, which is a positive sign you're up, and it's really good for the year. I'm just also having a look at the portfolio you're in as well. So sorry.","start_word":1402,"end_word":1460,"intents":[{"intent":"Review portfolio","confidence_score":0.25952205}]},{"text":"When I have a look at all the underlying investments that you have in your portfolio there, your everything is doing really well. Everything has shown a positive return, but just a couple of options there.","start_word":1533,"end_word":1568,"intents":[{"intent":"Reflect on portfolio performance","confidence_score":0.008515445}]},{"text":"They kinda hold strong on the investments as they believe in the in the fund there, and it has sort of caused them to underperform a little bit, which is a bit concerning.","start_word":2096,"end_word":2128,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.049310915}]},{"text":"Well, one of the really good strategies that we do have access to now, and I'm more than happy to go back and have a good look to see if this is gonna help or provide some benefit for you, is what's called a transition retirement strategy. Have you heard of this before?","start_word":2484,"end_word":2536,"intents":[{"intent":"Evaluate retirement strategy","confidence_score":0.10927943}]},{"text":"If you're wanting to sort of keep your take home pay at the same level, we can look at maybe maximizing contributions in the super as much as possible.","start_word":2568,"end_word":2596,"intents":[{"intent":"Optimize contributions","confidence_score":0.0021889287}]},{"text":"Because you're increasing your contributions in the super as much as we possibly can to benefit you, it does sort of mean that your take home pay reduces. So if you're wanting to keep the same take home pay, we can then start to reduce some money out of super. So you put more in.","start_word":2629,"end_word":2683,"intents":[{"intent":"Reduce costs","confidence_score":0.08223435}]},{"text":"Are you open to me doing a little bit of research around that and maybe coming up with a strategy that might help Yep. you?","start_word":2789,"end_word":2813,"intents":[{"intent":"Determine interest in nepalth","confidence_score":0.0001023276}]},{"text":"Are you open to me doing a little bit of research around that and maybe coming up with a strategy that might help Yep. you? Yeah.","start_word":2789,"end_word":2814,"intents":[{"intent":"Discuss strategies","confidence_score":0.0038055845}]},{"text":"I'll also look at the CGT consequences because one of the big things to consider is that you have been invested in this platform for a while in the super fund, and you've got these underlying investments there, we wanna make sure that we're not gonna, you know, cause too much of a tax consequence. Because your fund still has to do tax returns, and they pay capital gains tax and income tax on the investments within the fund every year.","start_word":3034,"end_word":3114,"intents":[{"intent":"Address investment concerns","confidence_score":0.000631522}]},{"text":"We sometimes also have to leave the tax liability there. So we play around with how much we can move into pension and how much we leave in the accumulation side to keep your super open.","start_word":4035,"end_word":4070,"intents":[{"intent":"Monitor tax liabilities","confidence_score":0.000010455549}]},{"text":"If if that TTR strategy was not really gonna provide the greater benefit and we just wanted to look at maybe some salary sacrifice, would you be comfortable with me putting, say, 50 or $100 in on a fortnightly basis?","start_word":4394,"end_word":4433,"intents":[{"intent":"Discuss salary sacrifice options","confidence_score":0.025610864}]},{"text":"And work wise, you mentioned you're down to about three days per week at the moment.","start_word":4779,"end_word":4794,"intents":[{"intent":"Schedule work","confidence_score":0.0012560256}]},{"text":"And you also mentioned that your your partner you've got your partner there. So I've got it down that you are in a de facto relationship. Is that still correct? Yeah. Yep.","start_word":4903,"end_word":4934,"intents":[{"intent":"Confirm identity","confidence_score":0.13446951}]},{"text":"it's understandable. Yeah. Okay. Yep.","start_word":5029,"end_word":5033,"intents":[{"intent":"Confirm understanding","confidence_score":0.051192775}]},{"text":"Is she younger than you or older? She's younger.","start_word":5067,"end_word":5075,"intents":[{"intent":"Confirm age","confidence_score":0.14338775}]},{"text":"well, she probably would like to retire at the same time, I would say, but, Yep. yeah, just depending on what's going on. Yeah.","start_word":5088,"end_word":5111,"intents":[{"intent":"Evaluate retirement plans","confidence_score":0.011092128}]},{"text":"So I have done here you've got a ute. We had an asset value there of about 10,000. If you had to sell your ute, what sort of value do you think you might be able to get for that?","start_word":5504,"end_word":5543,"intents":[{"intent":"Assess ute value","confidence_score":0.06252813}]},{"text":"Would I be able to get some money out to pay towards that debt?","start_word":5785,"end_word":5798,"intents":[{"intent":"Access debt","confidence_score":0.027885772}]},{"text":"And then we may be, in the next financial year, start it to maybe factor in the changes to contributions and look at that as a growth strategy.","start_word":5839,"end_word":5866,"intents":[{"intent":"Work on growth strategy","confidence_score":0.0014875715}]},{"text":"It's just just to reduce that debt, I guess, Yeah. but Yeah.","start_word":5935,"end_word":5946,"intents":[{"intent":"Reduce debt","confidence_score":0.671228}]},{"text":"So and what kind of car is it?","start_word":5993,"end_word":6000,"intents":[{"intent":"Discuss car details","confidence_score":0.001402755},{"intent":"Discuss car type","confidence_score":0.16478859}]},{"text":"It's a I see the m u x. M u x. Beautiful. They are really popular at the moment. I've spoken Yeah. to lots of people who have recently purchased those. '22 model.","start_word":6001,"end_word":6033,"intents":[{"intent":"Discuss car availability","confidence_score":0.17914534},{"intent":"Clarify car purchase","confidence_score":0.00047404986}]},{"text":"Now under that transition retirement strategy that we sort of talked about there, if you were to sort of look at that strategy now to be able to take some funds out of super, essentially, we can access a maximum. There are maximums and minimums that we can access under this strategy on how much you can withdraw out.","start_word":6105,"end_word":6163,"intents":[{"intent":"Access maximum","confidence_score":0.006775337},{"intent":"Discuss withdrawal limits","confidence_score":0.2715598}]},{"text":"Essentially, we would be able to access up to 10 of the balance that we transfer into the account based pension side of things.","start_word":6165,"end_word":6188,"intents":[{"intent":"Access balance","confidence_score":0.6680128}]},{"text":"But if you wanted to do it that way, I could look at the strategy to incorporate that now.","start_word":6320,"end_word":6338,"intents":[{"intent":"Consider strategy","confidence_score":0.038935352},{"intent":"Explain strategies","confidence_score":0.00040051708},{"intent":"Consider strategy","confidence_score":0.04130851}]},{"text":"It would be I think the way it goes. Because I think overall, it would be better to reduce that debt as quick as possible.","start_word":6410,"end_word":6434,"intents":[{"intent":"Reduce debt","confidence_score":0.73661697}]},{"text":"It it's it's honestly not a problem to do. One of the main sort of disadvantages to doing it that way is that, obviously, with the money we are taking out now, if you do leave that money inside Super and just increase your contributions in and we do this strategy the way it's sort of intended to, you're gonna be in a greater position.","start_word":6459,"end_word":6523,"intents":[{"intent":"Identify disadvantages","confidence_score":0.014437291}]},{"text":"It has does help you to reduce the loan amount, and, realistically, you are paying interest on that loan because it is a car Yes. loan or a personal loan there. So the interest could certainly outweigh the the return that you might have got on that money.","start_word":6584,"end_word":6631,"intents":[{"intent":"Decrease loan debt","confidence_score":0.0008098988}]},{"text":"down the loan tends to give you a more of a guaranteed rate of return. You are reducing the debt and the amount of interest you pay to the bank for that, which could, in the long term, put you in a better position because you may you know, not having that loan means it's one less thing to factor into expenses into retirement income. So it's more Yes.","start_word":6634,"end_word":6702,"intents":[{"intent":"Improve retirement income","confidence_score":0.00028447883}]},{"text":"I can show you what that looks like, how it affects you, the long term side of things, and factor in the retirement side for you for age 67 to sort of show you what we expect based on these recommendations.","start_word":6772,"end_word":6812,"intents":[{"intent":"Show experience with recommendations","confidence_score":0.00026769962}]},{"text":"Health wise, you did mention that you've dropped hours due to your sort of health. How what's sort of been happening over the last twelve months health wise? Has everything sort of changed?","start_word":6966,"end_word":6998,"intents":[{"intent":"Check health status","confidence_score":0.0073443297}]},{"text":"It also comes down to your comfort level as well, but taking a bit more risk in the market can open you up to greater potential returns.","start_word":7300,"end_word":7326,"intents":[{"intent":"Evaluate comfort level","confidence_score":0.12619792},{"intent":"Evaluate comfort level","confidence_score":0.030216485},{"intent":"Evaluate comfort level","confidence_score":0.13170648}]},{"text":"So just to sort of go through just a couple of questions there to assess your risk profile, The first one is, have you ever owned direct shares? Have you ever invested in your own name before outside of Superm? Nope.","start_word":7394,"end_word":7434,"intents":[{"intent":"Assess risk profile","confidence_score":0.5064096},{"intent":"Evaluate risk level","confidence_score":0.06242851},{"intent":"Assess risk profile","confidence_score":0.14653037},{"intent":"Assess risk profile","confidence_score":0.19940472},{"intent":"Evaluate risk level","confidence_score":0.16220608}]},{"text":"The next question here is asking, I sent it to more about inflation. So it says, how much risk do you feel you're comfortable to take when it comes to your super to get those greater potential returns?","start_word":7484,"end_word":7521,"intents":[{"intent":"Evaluate inflation","confidence_score":0.26211095}]},{"text":"How do you think you might be feeling if you looked at your super balance in, say, the next six to twelve months and due to external market factors or what was happening in the world?","start_word":7625,"end_word":7660,"intents":[{"intent":"Estimate impact on super balance","confidence_score":0.00001541795}]},{"text":"If the portfolio fell and we saw maybe a 10 or 20 drop, how do you think you might be starting to feel?","start_word":7662,"end_word":7684,"intents":[{"intent":"Inquire about portfolio value","confidence_score":0.00014615343}]},{"text":"These are the investments that take a bit more that give us a bit more risk, that tend to give us greater returns over the longer term as well. There are things like Australian shares, international shares, listed property, and commodities. This sort of portfolio is trying to average around about six to 8% return on a yearly basis. So your return this year, while spend along has been down a little bit, is generally in line with what the expectation is of that portfolio.","start_word":8010,"end_word":8094,"intents":[{"intent":"Analyze portfolio investment portfolio","confidence_score":0.00006725205}]},{"text":"always just look at sort of keeping the portfolio the same and see see if it works for you that way. Okay? Yeah.","start_word":8547,"end_word":8569,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.21755624}]},{"text":"But you don't have any personal insurances, the life TPD income protection.","start_word":8775,"end_word":8786,"intents":[{"intent":"Discuss personal insurance coverage","confidence_score":0.0039015727}]},{"text":"So trauma is not an insurances that are paid. In SOP, you have to pay for them out of your back pocket, but trauma tends to pay out a lump sum tax free benefit in the event that you are diagnosed with, say, certain cancers, neurological conditions, Parkinson's, things like that.","start_word":9257,"end_word":9307,"intents":[{"intent":"Discuss trauma benefits and treatment options","confidence_score":0.0008016171},{"intent":"Clarify benefits and options","confidence_score":0.028519843}]},{"text":"I just thought I'd have to go through those with you to sort of make sure that you're aware and understand the differences Yep.","start_word":9363,"end_word":9386,"intents":[{"intent":"Understand benefits and retirees","confidence_score":0.000008323967}]},{"text":"I'm looking at taking out a 10% withdrawal this year and then maybe looking at the TTR strategy moving forward. We're working on a take home pay keeping your take home pay at around that $1,500 mark per week. Is that right? Sorry.","start_word":9443,"end_word":9485,"intents":[{"intent":"Take out a 2% withdraws and discuss trr strategy","confidence_score":4.964589e-12}]},{"text":"It's per week, isn't it? Your take home pay, 1,500 per week Yeah.","start_word":9486,"end_word":9498,"intents":[{"intent":"Clarify pay per week","confidence_score":0.012325417}]},{"text":"If I find it's not gonna work, we could just look at salary sacrificing and seeing what that can do to help you.","start_word":9532,"end_word":9554,"intents":[{"intent":"Discuss salary sacrifices and advice","confidence_score":0.00083154964}]},{"text":"If there's another conversation I need to have, I'll come back and have that with you. But I've got a a lot of really good ideas that we can look at for you, some different strategies to assess, and we can update the advice document and come back and show you what that looks like so you can decide whether you're happy to take on the advice or not.","start_word":9554,"end_word":9622,"intents":[{"intent":"Explore topics for discussion","confidence_score":0.000009487198}]},{"text":"I know I've asked you everything under the sun. I know as much about you as possible. But do you have any questions for me? Did you want me to kinda break anything further down for you? Or No. I think that's yeah. That's about Yep. it. Beautiful.","start_word":9639,"end_word":9686,"intents":[{"intent":"Explain the importance of having the information","confidence_score":9.3525375e-7}]},{"text":"I have sent the annual review documents to you, which does give you a summary of your balance. It also has the internal rate of return report that we went through, giving you the returns and how your sleeper has performed.","start_word":9700,"end_word":9740,"intents":[{"intent":"Provide guidance on balance","confidence_score":0.00005780259},{"intent":"Review documents and its significance","confidence_score":0.0000048780707}]},{"text":"We also make sure that we abide by privacy rules and regulations, making sure to do security with you on a regular basis.","start_word":9884,"end_word":9906,"intents":[{"intent":"Ensure compliance with privacy rules and regulations","confidence_score":0.03595839}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Darren. This is Dana from Okey Financial. How are you this morning?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1647517830133438},{"text":"Yeah. It's good. I had to put in to go through an annual review today. Is now still a good time there for you?","start_word":14,"end_word":37,"sentiment":"positive","sentiment_score":0.40841126441955566},{"text":"Yeah. Oh, good. I'm sorry. I had a note here to say you were not long waking up. Now is it okay? Do you Yeah. need a few minutes to so sorry. No. No. It's all good.","start_word":38,"end_word":74,"sentiment":"neutral","sentiment_score":0.04854751005768776},{"text":"It's all good.","start_word":75,"end_word":77,"sentiment":"positive","sentiment_score":0.44985008239746094},{"text":"Oh, not a worry. Now before we jump into the call there, Darren, just to let you know, we do record these calls for quality and training purposes. Are you happy for us to proceed with that? Yeah. Yep. Lovely. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm for me your full name, date of birth, and address that I should have on file. Yeah. Karen Casar. 121065. Beautiful. Number 2, Ellen Street. Sorry. Yeah. Lovely.","start_word":78,"end_word":168,"sentiment":"neutral","sentiment_score":0.114459827542305},{"text":"Thank you so much for that.","start_word":169,"end_word":174,"sentiment":"positive","sentiment_score":0.4722228944301605},{"text":"Are you on night shift at the moment, are you? Yeah. How's it all going? How's your week been so far? Oh, yeah. It's good. Yep. Yeah? Nice. You get the weekend off. Do you just work Monday to Friday? Yeah. Normally, your weekend is as well, like a Saturday. Oh, well, hopefully, you get to enjoy some days off soon. Did you get some downtime over Christmas to have a bit of a break? Christmas party. Yep. Yeah.","start_word":175,"end_word":253,"sentiment":"neutral","sentiment_score":0.15433166921138763},{"text":"That was very good.","start_word":254,"end_word":257,"sentiment":"positive","sentiment_score":0.42465701699256897},{"text":"Yeah. Oh, well, hopefully, you get some time off fairly soon. Darren, as part of your annual review there, is there anything particular you wanted to touch base on or any questions that you had that you wanted to maybe ask me while you've got us here as well? No. Just just the future of what I can do and what I should be doing. Like, Yeah. Of course. see my my age and probably not gonna be able to get a house, but, yeah, things like that where because I haven't got a house, and Right. that's what I didn't want. But, Mhmm. yeah, I'm just wondering, you know, if I can do something like that. But, yeah, that'd be the only thing. And another thing would be is there can you buy a house within your super? Mhmm. Yeah. It's a really good question. So with the way your super is structured at the moment, you can't use the funds to purchase a home. The only way you could do that with utilizing real property is by having a self managed super fund. Inside Yep. the self managed super fund structure, that would mean that you're essentially a trustee. You're taking on more responsibility of looking after the fund and having a lot more say in what happens, but you, unfortunately, can't purchase a house that you can live in. Under the rules of having a staff on your super fund, Okay.","start_word":258,"end_word":501,"sentiment":"neutral","sentiment_score":-0.04427775484128076},{"text":"if you were to go down that route, the investments within the house within that fund would have to be what's called an arm blank transaction, which means that you're unable to use it for your purposes.","start_word":502,"end_word":538,"sentiment":"negative","sentiment_score":-0.3738327920436859},{"text":"You still have to even though you're the trustee and the member, you still have to have that invested and have it, you know, rented out Yes. to someone else, not within, you know, your immediate family, not not a member of the fund because they don't let you live in a company for personal use. It has to be an investment for Yeah. the future of the member of the super fund, essentially. Does that make sense? Yeah. Yeah. Yeah. I thought there was some, Yeah. yeah, rules. Yeah. Alright. Yeah. That's okay. With the balance you do have at the moment, it's not sort of recommended at this stage to be able to open a self managed super fund because you would need to use generally, when you are looking at purchasing a real property within a trust structure like that, you do have to have about a 20 to 30 deposit there. So we don't Yes.","start_word":539,"end_word":697,"sentiment":"neutral","sentiment_score":-0.18107910454273224},{"text":"normally suggest anyone open up a self funded super fund unless their balance gets up to around that $300,000 mark because most of your funds do go to being locked into that property.","start_word":698,"end_word":730,"sentiment":"negative","sentiment_score":-0.41021785140037537},{"text":"The other Yes. aspect is generally a loan on those sorts of things are for about thirty years or so twenty to thirty years. So, you can't sort of, unlike having a property in your own name, make extra repayments to the loan. Any extra repayments that you make are considered contributions towards super, so you do have to be very careful in that aspect. So having a loan inside super does mean that you would probably have to work for a little bit longer there. But is that Yeah. something you're wanting to do down the track? Are you hoping to use your super to purchase property? What's your goal with your super when you retire? Well, yeah. I don't know. Probably Yeah.","start_word":731,"end_word":854,"sentiment":"neutral","sentiment_score":-0.008287570172650438},{"text":"probably not because I'm I I do know I'm not gonna have enough.","start_word":855,"end_word":867,"sentiment":"negative","sentiment_score":-0.344385027885437},{"text":"That's that's the thing, but I just well, I wouldn't like a house, but Yeah. to to live Yeah. in or or something. But yeah.","start_word":868,"end_word":892,"sentiment":"neutral","sentiment_score":-0.17037607729434967},{"text":"I know I'm not gonna have enough.","start_word":893,"end_word":899,"sentiment":"negative","sentiment_score":-0.3965853750705719},{"text":"So No. anyway. Yeah. That's that's where I'm at. Yeah. So the the prospect of renting through retirement is a realistic sort of prospect for yourself. You think you'll need to consider the rental, like, the cost of renting long term? Yeah. Yeah. That's Yeah. yeah. Yep. That's okay. That's understandable. I'm having a look at things at the moment. So 65, you're you had a birthday in October. So you're 61 this year. You're 60 now. Is that right? That's right. Yeah. Yeah.","start_word":900,"end_word":983,"sentiment":"neutral","sentiment_score":0.040397923439741135},{"text":"So there are some really cool strategies that we could maybe look to put in place for you to be able to help you to boost your balance there.","start_word":984,"end_word":1012,"sentiment":"positive","sentiment_score":0.39842700958251953},{"text":"Just having a look, and I'll give you I'm actually gonna also send you through some annual review documents. Do you have access to your emails at the moment, or would you prefer me just to go through things and you can have a look at the documents later? What would you like me to do, Darren? Yeah. I can have a look later. Yeah. That's okay. I'm I've got your email address here. It is your first so darrenvtessa@gmail. com. Is that right? Yeah. That's right. Yep.","start_word":1013,"end_word":1099,"sentiment":"neutral","sentiment_score":0.13136638255640007},{"text":"Perfect.","start_word":1100,"end_word":1100,"sentiment":"positive","sentiment_score":0.668536901473999},{"text":"I have this sent through some annual review documents to you, so feel free to have a bit of a look at those later. I'll go through everything with you and sort of give you a bit of an update on where your super is up to. Let's touch base a bit more about your goals. I did have a bit of a look at things earlier, and then it looks like there's some advice that we can definitely look to help provide that might put you in a better position. So if you're comfortable, we'll go through this today, and then I'll go back and do some really in-depth research for you. And I can update your strategies to see where we can help and what we can do moving forward to, you know, build on that retirement for you. Would you like that? Yes. Yeah.","start_word":1101,"end_word":1247,"sentiment":"neutral","sentiment_score":0.2631407678127289},{"text":"Beautiful. Beautiful.","start_word":1248,"end_word":1249,"sentiment":"positive","sentiment_score":0.5366679430007935},{"text":"Now your balance at the moment inside, Super, when I had a look as of yesterday's date, you had about a 180,772 and 13<unk>.","start_word":1250,"end_word":1275,"sentiment":"neutral","sentiment_score":0.31364092230796814},{"text":"So your balance has increased a little bit over the last twelve months, which is really good.","start_word":1275,"end_word":1292,"sentiment":"positive","sentiment_score":0.5179954767227173},{"text":"Yeah. One of the things, when I have a look at how the performance has gone over the last twelve months there so sorry. After fees, you're up by 8.43%, which is not bad in any way, shape, or form.","start_word":1292,"end_word":1332,"sentiment":"neutral","sentiment_score":0.21765956282615664},{"text":"It's actually quite a good return given the sort of balance that you do have.","start_word":1332,"end_word":1347,"sentiment":"positive","sentiment_score":0.5629227757453918},{"text":"And when we I know some people do prefer a dollar figure as opposed to a percentage. So the return is a dollar figure after fees.","start_word":1347,"end_word":1373,"sentiment":"neutral","sentiment_score":0.2285180538892746},{"text":"It means that your super is growing by $13,968.01. That's the growth plus the income in the in the fund for the last twelve months, which is quite good.","start_word":1373,"end_word":1402,"sentiment":"positive","sentiment_score":0.5091753005981445},{"text":"One of the things I would like to sort of look at is having a look at the underlying performance.","start_word":1402,"end_word":1422,"sentiment":"neutral","sentiment_score":0.3272636830806732},{"text":"So that is essentially what your whole portfolio has done, which is a positive sign you're up, and it's really good for the year.","start_word":1422,"end_word":1446,"sentiment":"positive","sentiment_score":0.6567453145980835},{"text":"I'm just also having a look at the portfolio you're in as well. So sorry. My computer is a little bit slow this morning. I do apologize. Sorry. One moment. My computer is just spinning.","start_word":1446,"end_word":1479,"sentiment":"neutral","sentiment_score":0.05074810212039772},{"text":"I love technology when it wants to work. Yes. So having a look at things at the moment, it looks like we have sort of reduced your risk in the last couple of years. It looks like you may be in more of a balanced growth sort of portfolio at the moment. When I have a look at all the underlying investments that you have in your portfolio there, your everything is doing really well. Everything has shown a positive return, but just a couple of options there.","start_word":1480,"end_word":1567,"sentiment":"positive","sentiment_score":0.4911501407623291},{"text":"Your cybersecurity is down just a little bit. That's just due to it being a bit more volatile, but your cybersecurity was added into the portfolio as more of a satellite investment. So it's one of the ones there that we do expect to have a bit more in the way of fluctuations because it is more of a niche. It's more of a it's a theme sort of investment option. We're looking at global cybersecurity, and it's you have a smaller amount of that in your portfolio.","start_word":1568,"end_word":1655,"sentiment":"neutral","sentiment_score":0.0823143944144249},{"text":"So we're aiming to kinda get greater potential benefits.","start_word":1656,"end_word":1664,"sentiment":"positive","sentiment_score":0.4327092468738556},{"text":"So I'm not in any way, shape, or form worried about the cybersecurity side of things at the moment. It just had a little bit of a dip. The investment that I am a little bit concerned about is your Bennelong Australian Equities. So you do have a fair chunk of your portfolio in that Bennelong Australian Equities component, and it's not your only exposure into Australian Equities within this portfolio. So all your other Australian exposure has done really, really well, but Bennelong has seen a bit of a dip. And in your portfolio, it's down by about 15% there. So it is quite significantly down. I feel like it has maybe you made a little bit of an impact to your overall return for this year, and that is down because of what's happened with one of the underlying investors. I'm not sure if you follow the news a great deal with regard to the markets. Do you sort of have a look at things very often? A little bit, but, you know, I'd I'd like to do a lot more. I just Yeah. probably Yep. don't get enough to do yeah. I want to learn a bit more about it, but yeah. Yeah. Not enough. No. That's okay. That's not a problem at all. And that's why I'm here for as well.","start_word":1665,"end_word":1889,"sentiment":"neutral","sentiment_score":-0.01828998217980067},{"text":"Part of what I love is the educational value towards what we do.","start_word":1890,"end_word":1902,"sentiment":"positive","sentiment_score":0.542594850063324},{"text":"So, essentially, to give you a bit of an overview, Bennelong had one of their underlying investments, Corporate Traveler. And late last year, Corporate Traveler had a bit of an issue.","start_word":1903,"end_word":1933,"sentiment":"neutral","sentiment_score":-0.03092500939965248},{"text":"They were being a bit dishonest to the market. They weren't accounting properly.","start_word":1934,"end_word":1946,"sentiment":"negative","sentiment_score":-0.46161553263664246},{"text":"So that came out when they had to report. Bennelong had to go back and reevaluate that portion of their investments, and it meant that everyone has now gone back and reevaluated Bennelong as well. So our investment committee early this year have met to decide they no longer want to hold Bennelong in the portfolios.","start_word":1947,"end_word":2002,"sentiment":"neutral","sentiment_score":-0.19021908938884735},{"text":"We do feel it is really important to move everybody out of that one.","start_word":2003,"end_word":2016,"sentiment":"negative","sentiment_score":-0.36723965406417847},{"text":"So I would like to, as part of the advice, update the strategy for you, have a look at removing that and putting something else in its place. We can look at more of a Bennelong was placed in your portfolio as more of an actively managed strategy. However, Bennelong don't do a great deal of active management under the back. They haven't actually replaced many of their investments over the last couple of years since COVID, basically. They kinda hold strong on the investments as they believe in the in the fund there, and it has sort of caused them to underperform a little bit, which is a bit concerning. You're obviously working hard for your retirement, so we wanna make sure the portfolios are working hard for you too.","start_word":2017,"end_word":2147,"sentiment":"neutral","sentiment_score":-0.08370106667280197},{"text":"So we can replace it with something that's a little bit more passively managed because you are older and something a bit more low cost, hopefully, reduce some of the fees within the fund for you and look at something that's got a greater past performance, which should hopefully benefit you a bit more in the future.","start_word":2148,"end_word":2204,"sentiment":"positive","sentiment_score":0.3744594156742096},{"text":"Does that sound okay with you? Yeah. Yeah. Yeah. It Yeah. does. That's that's Yep. yeah. That's Yep. what I need Perfect. on. Because I I feel like Yeah. I keep wondering whether I you should be doing something different or better or more Yep. to not knowing how much I'll need, of course, but obviously a lot more than I've Of got. course. So Yeah. yeah. Absolutely. Definitely. And would you know what age you would like to maybe stop working? What age are you sort of hoping for the full retirement aspect? Now would be good, No.","start_word":2205,"end_word":2303,"sentiment":"neutral","sentiment_score":-0.06085133710593888},{"text":"but Yep. that ain't gonna happen.","start_word":2304,"end_word":2309,"sentiment":"negative","sentiment_score":-0.4751016199588776},{"text":"No. Understandable. Yeah. Well, I don't yeah. As soon as possible, but, yeah, as much as I gotta do, I've gotta take down, I guess. Okay. No. That's understandable. Well, And because I mean, how do you you're right. So sorry. oh, it's alright. Because I I don't I don't do a lot of work and stuff like midweek stuff online, Mhmm. casual, and do the weekends and stuff.","start_word":2310,"end_word":2378,"sentiment":"neutral","sentiment_score":-0.1773696094751358},{"text":"So I do miss out on a fair bit of super, I would say.","start_word":2379,"end_word":2392,"sentiment":"negative","sentiment_score":-0.3515865206718445},{"text":"Yes. So so, yeah, that's why I'm probably struggling a bit to get that account a bit more. Yeah. Absolutely. This last three weeks, I've done been doing a bit extra because the the last three weeks, I have been doing a bit extra, but Okay. I'm just trying to find a a nice balance, Yeah. Of course. work Yeah. life balance sort of in there. It's Yep. it it in one way, it does affecting in other ways with my super and stuff. So it's a Yeah. yeah. Absolutely.","start_word":2393,"end_word":2482,"sentiment":"neutral","sentiment_score":-0.04765341803431511},{"text":"Well, one of the really good strategies that we do have access to now, and I'm more than happy to go back and have a good look to see if this is gonna help or provide some benefit for you, is what's called a transition retirement strategy.","start_word":2483,"end_word":2529,"sentiment":"positive","sentiment_score":0.4591830968856811},{"text":"Have you heard of this before? Yeah. Yeah. I have it. I have it. Yeah.","start_word":2530,"end_word":2544,"sentiment":"neutral","sentiment_score":0.17518861591815948},{"text":"Perfect.","start_word":2545,"end_word":2545,"sentiment":"positive","sentiment_score":0.497085303068161},{"text":"So, essentially, that's where I would have a look at what you're earning, what your take home pay looks like. If you're wanting to sort of keep your take home pay at the same level, we can look at maybe maximizing contributions in the super as much as possible. It does mean that we are then moving some money into what's called a an account based transition retirement pension account. So you would have your super account and the secondary pension account.","start_word":2546,"end_word":2627,"sentiment":"neutral","sentiment_score":0.24166905153088453},{"text":"Because you're increasing your contributions in the super as much as we possibly can to benefit you, it does sort of mean that your take home pay reduces.","start_word":2628,"end_word":2655,"sentiment":"positive","sentiment_score":0.4002193808555603},{"text":"So if you're wanting to keep the same take home pay, we can then start to reduce some money out of super. So you put more in.","start_word":2656,"end_word":2682,"sentiment":"neutral","sentiment_score":0.21834143996238708},{"text":"You have the two accounts, and we replenish your income with some money from super. You actually end up putting in more than you're taking out because the tax inside super is less than your marginal tax rate normally. But you get to pay have the same take home pay. The amount you're drawing out of super is completely tax free. So it helps to give you a benefit of reducing the amount of income tax you might pay on your income, but the main benefit is of putting more money into SOFA, into that tax effective environment so it's invested for you long term.","start_word":2683,"end_word":2787,"sentiment":"positive","sentiment_score":0.5043705105781555},{"text":"Are you open to me doing a little bit of research around that and maybe coming up with a strategy that might help Yep. you? Yeah. Yeah. I'm sorry. I wanna Yeah. yeah. Yeah. Yeah.","start_word":2788,"end_word":2822,"sentiment":"neutral","sentiment_score":0.11081285029649734},{"text":"Perfect. Excellent.","start_word":2823,"end_word":2824,"sentiment":"positive","sentiment_score":0.5836575031280518},{"text":"If you want, what I can also do is I know you are in Netwealth at the moment, and when you came on board, Netwealth was a great platform. I will look at Netwealth as well as other platforms out there. If there was something to be better that provided greater benefit, are you open to me altering or moving you to another platform for your super fund, or are you sorta happy to stay in Netwealth? What's your thoughts there? I'm sorry. I'll ask all the questions you've probably never thought about. You know, do you really Mhmm. I I was gonna be worried because I don't know well, I don't know. For me, it doesn't I don't know if it's secure enough or if there's a crash gonna happen, of course, you lose it all. Yep. I don't know fully know how it all Yep. works, Yep. but Yep. I know I need every sort of thing I can get. So Yep. Absolutely. Well, if if you like, I'll go and do the research for you on Netwealth as well as the other super fund options out there to see what's gonna provide greater benefits, sort of look at yeah. the fees for you as well. I'll also look at the CGT consequences because one of the big things to consider is that you have been invested in this platform for a while in the super fund, and you've got these underlying investments there, we wanna make sure that we're not gonna, you know, cause too much of a tax consequence. Because your fund still has to do tax returns, and they pay capital gains tax and income tax on the investments within the fund every year. So I'll have a look at the super funds. I'll have a look at the investments. I'll look at the tax consequences for you, and I'll also look at that transfer time strategy to see if it's gonna provide benefit. And then I can come back and update the advice strategy for you and show you what we're gonna do to help you out. How does that sound? Yes. Okay. Yeah? Yeah.","start_word":2825,"end_word":3185,"sentiment":"neutral","sentiment_score":0.03784218913465325},{"text":"Beautiful.","start_word":3186,"end_word":3186,"sentiment":"positive","sentiment_score":0.3757731318473816},{"text":"I'll do a nice in-depth bit of research there for you, Darren. Now it does take me a little bit to put the research together. A lot of my clients are in that retirement sort of space, so I do do a lot of in-depth research there. But once I have that all ready to go, I'll come back, book you back in, and we'll go through that document together so you can see what we're recommending, why the advantages, the disadvantages, and the risks involved before you decide to take on the advice. Does that sound alright with you? Yeah. Yeah. Yep.","start_word":3187,"end_word":3289,"sentiment":"neutral","sentiment_score":0.08509069681167603},{"text":"Beautiful. Lovely. I've got some work to do. I love it. That's fantastic.","start_word":3290,"end_word":3302,"sentiment":"positive","sentiment_score":0.6453657150268555},{"text":"Now I know you don't not really sure exactly what age you'd like to realistically retire, but just so I have a bit of a goal to work on, do you think you'd be sort of working towards maybe 65, 66? Do you think you'd probably be able to start working or hopefully be able to start working around age pension age? What's your sort of thoughts? Yeah. He's just well, it depends on on health and and Health. and that's Yeah. why I'm working working less. Yeah. Yeah. 65 would be good, but I Yep. yeah. I'm probably not bad enough. So, you know, I have to go a bit more. Yep. That's okay. Well, at the moment, if you're eligible too, you can also apply for the age pension at age 67. You can actually apply thirteen weeks out from that. Would you like me to work on I can look at what we expect around age 65, but then I can also look at age 67 for you. And I can also look to maybe factor in because you're already 60. We're only sort of working well, even at ten year mark. I can have a look at maybe the eligibility for age pension there as well and see that with your super, what it might look like for you and how sort of longevity wise that might provide. Does that Yeah. sound okay? Yeah. Yeah. Yep.","start_word":3303,"end_word":3542,"sentiment":"neutral","sentiment_score":0.05493829399347305},{"text":"Perfect. Lovely. Okay.","start_word":3543,"end_word":3545,"sentiment":"positive","sentiment_score":0.5261709094047546},{"text":"I will add that into the list of things.","start_word":3546,"end_word":3554,"sentiment":"neutral","sentiment_score":0.29031631350517273},{"text":"That's perfect. I will look at that for you.","start_word":3555,"end_word":3563,"sentiment":"positive","sentiment_score":0.4491712749004364},{"text":"Now the other thing to sorta consider is I know you're not really sure what kinda income you might need, but do you know roughly what sort of income are you on at the moment? Do you think you wanna keep a very similar income in retirement, or do you feel like there's a set amount that you would wanna cover for expenses? I know it's quite hard to sort of think about it. But did you want me to work on your current income amount for, you know, living expenses and rent in retirement, or what's your thoughts with the income? Well, yeah, they have to well, I I would say less just to keep me going a bit more, but Yep. it's on there. It has to be less because I won't be doing as much in in Yeah. Yep. That's okay. How much rent are you paying at the moment on a weekly basis? that. Well, that's at the moment, we haven't got a cheap setup, but I Yep. think it's gonna change and it'll probably change. Yep. At the moment, we're only paying $4.50. But, Okay. yeah, I I would say it'll change because we're gonna have to move sort of soon, but don't know yet. But Yeah.","start_word":3564,"end_word":3775,"sentiment":"neutral","sentiment_score":-0.02157758541826932},{"text":"at the moment, it's pretty good. Okay. Perfect. Well, I can just sort of use this for the moment.","start_word":3776,"end_word":3794,"sentiment":"positive","sentiment_score":0.3854275047779083},{"text":"What's your gross or your take home pay at the moment? What are you sort of earning on a or on a weekly basis? Do you know what your income looks like? Because I only do this three days, Yep. and and I'll do more at you know, when when needed and when I can and so forth. But normally, it's three days. So it's depending on the hours, so anywhere between, say, 1,500 to Yep. about 2,200. Is that your take home pay? Yep. Okay. Yeah. Yeah. So 1,500 to 2,200. On the average week, would you say your income's more towards that 1,500, or do you think you're up around that 2,200 more regularly? No. It's probably $5.15 guiding sort of would be more Okay. Yep. accurate, Yep. Did I'm you saying. did you want me to make make it so your take home pay remains around that $1,500 mark or $1,800? What would you sort of like your take home pay to be on a on a weekly basis? Yeah. I would say they're lower, 15 Fifteen or less 100? 7. Yeah. Yep. Yep.","start_word":3795,"end_word":3981,"sentiment":"neutral","sentiment_score":0.038349468261003494},{"text":"Perfect.","start_word":3982,"end_word":3982,"sentiment":"positive","sentiment_score":0.3520814776420593},{"text":"So I'll keep your take home pay at that $1,500 mark. Now with your contribution, so what we'll essentially do with the research is we have a look at how much we can transfer into the pension side of things. We have to leave some money. Generally, it's about 10,000. We sometimes also have to leave the tax liability there. So we play around with how much we can move into pension and how much we leave in the accumulation side to keep your super open. Because you're still working. You want those contributions to be going in and being invested. I'll look at your take home pay trying to keep that at 1,500 and then also look at what we can put in. So what we put in will always be more than what we take out because we're putting more money in as taxed at a lower rate than our marginal tax rate, and we don't have to take as much out. So it's a little bit of a juggling ask, but we'll go back and do the research for you, try to keep that take home pay around that $1,500 mark for you, and look at what we can put into super to sort of provide that benefit for you. If it comes back that say that this strategy isn't gonna be as effective for you, it's not gonna give you the kind of growth that we're after. Is there as an alternative sort of strategy, are you comfortable putting extra money into super? Do you have much left at the end of the week, or is everything quite tight expenditure wise at the moment? No. It's not I wouldn't say try. I'm trying to save a bit as well. Yep. Plenty plenty a trip in that.","start_word":3983,"end_word":4282,"sentiment":"neutral","sentiment_score":0.07451839682956536},{"text":"But Oh, nice.","start_word":4283,"end_word":4285,"sentiment":"positive","sentiment_score":0.33906230330467224},{"text":"yeah. Because I'd I'd like to go to Wow. Malta, and I hope I've been, and that's where my father was from. Yep. Yep. So I do wanna go to where he grew up and stuff like that. That's Yeah. what I've always wanted to do, and I figured, well, I'm gonna do it before it's too late. So I think that Yeah.","start_word":4286,"end_word":4348,"sentiment":"neutral","sentiment_score":0.20844949781894684},{"text":"Perfect. That sounds that great.","start_word":4349,"end_word":4353,"sentiment":"positive","sentiment_score":0.6677590012550354},{"text":"yeah. Just trying to save a tweak for that and Yep. things like that. So, yeah, it's it's not tight, but I'm really doing pretty well, but it's just, you know, one of those things. Yep. Yeah.","start_word":4354,"end_word":4390,"sentiment":"neutral","sentiment_score":0.09700509905815125},{"text":"Perfect.","start_word":4391,"end_word":4391,"sentiment":"positive","sentiment_score":0.4619285464286804},{"text":"If if that TTR strategy was not really gonna provide the greater benefit and we just wanted to look at maybe some salary sacrifice, would you be comfortable with me putting, say, 50 or $100 in on a fortnightly basis? I know it does reduce your take home pay, But would that still allow you to be able to put savings away, or do you think you'd only wanna make those contributions if we could make that extra strategy work for you so you keep your take home pay the same? What's kind of more preferable for you? Yeah. I don't know. I know I've Not sure.","start_word":4392,"end_word":4498,"sentiment":"neutral","sentiment_score":-0.015022525563836098},{"text":"probably screwed you putting in a bit extra.","start_word":4499,"end_word":4506,"sentiment":"negative","sentiment_score":-0.3489777743816376},{"text":"Yep. That's probably a good idea. I just Yep. don't know if yeah. I probably should. Do you want me to make it something minimal, like $50 a week or $50 a fortnight to start with? We can always then boost it up later down the track. And keeping in mind, this is only as an alternative, so I'll always go back and wanna look at that transition strategy first to see if we can really get the ball rolling for you and what we can do there. This is more just if that's not gonna provide a greater benefit as an alternative, something that we can look at to help you along with. I could start with something like $50 per fortnight there for you, and then we could always look at the benefit and kind of build on that down the track. Yeah. Yeah. Okay. Yep. Yep.","start_word":4507,"end_word":4655,"sentiment":"neutral","sentiment_score":0.12226074934005736},{"text":"Perfect. I will have a look at that for you.","start_word":4656,"end_word":4665,"sentiment":"positive","sentiment_score":0.39620843529701233},{"text":"How much are you sort of trying to save out of your income on a weekly or fortnightly basis at the moment? How much are you putting away for your holiday? Yep. Oh, yeah. As much as possible. Yeah. Partners doing most of that sort of balancing, but Yeah. what did she say? That she's gonna put all her wages away, which is Yep. yeah. Because it's part of, you know, that's that's how we set up. She's gonna put all hers away so it's around Yep. for 800 a week. Okay.","start_word":4666,"end_word":4757,"sentiment":"neutral","sentiment_score":0.01666613668203354},{"text":"That's Perfect.","start_word":4758,"end_word":4759,"sentiment":"positive","sentiment_score":0.42937594652175903},{"text":"I think that's the plan. So yeah. Yep.","start_word":4760,"end_word":4767,"sentiment":"neutral","sentiment_score":0.10150574892759325},{"text":"Perfect. Perfect. Thank you for that.","start_word":4768,"end_word":4773,"sentiment":"positive","sentiment_score":0.6095255017280579},{"text":"I'm so sorry. Lovely. And work wise, you mentioned you're down to about three days per week at the moment. Just sort of going through, I don't have down here what you do for work. What's your occupation? Truck driver. Oh, beautiful. Are you long distance? Or Well, a bit of both local. It's really local. yeah. It's it's Yep. not like all distance sleeping in a truck and that, but Oh, perfect. yeah. So it's local.","start_word":4774,"end_word":4850,"sentiment":"neutral","sentiment_score":0.02735726907849312},{"text":"Lovely.","start_word":4851,"end_word":4851,"sentiment":"positive","sentiment_score":0.3886451721191406},{"text":"I'm actually up in Brisbane at the moment working. Yeah. Wow. Yeah. Yeah. That port is up here because it's but It's worth having a little busy. Everything's Yep. quite a bit crazy. So I asked Yeah. this few of us Newcastle bikes to come up in. Okay? Perfect. Perfect. And you also mentioned that your your partner you've got your partner there. So I've got it down that you are in a de facto relationship. Is that still correct? Yeah. Yep. Yep. Perfect. And I'm so sorry. I'm probably gonna pronounce this wrong. Your partner's name, I'm gonna spell it because I'm probably gonna say it incorrectly. It's s e n e m. Is that right? Yes. That's right. Yeah. Yep. Perfect. How would I pronounce the name correctly? I do apologize. That's alright. Send them. Sanam.","start_word":4852,"end_word":4989,"sentiment":"neutral","sentiment_score":0.019938528537750244},{"text":"Beautiful. That's a lovely name.","start_word":4990,"end_word":4994,"sentiment":"positive","sentiment_score":0.3565528392791748},{"text":"I knew I would probably get that wrong. I do apologize. And I'm my name's Dana. So it's spelled d a n a, and everyone gets my name wrong as well. So Alright. it's understandable. Yeah. Okay. Yep. You're well, and you mentioned she's working as well? Yeah. Yeah. Yeah. Yeah. Is she hoping to sort of retire around the same time as you, or is she planning to work longer? Is she younger than you or older? She's younger. She's Young? got 12 Yep. years twelve years younger. Okay. She's, Perfect. well, she probably would like to retire at the same time, I would say, but, Yep. yeah, just depending on what's going on. Yeah.","start_word":4995,"end_word":5110,"sentiment":"neutral","sentiment_score":0.030302755197445897},{"text":"Professional. Perfect.","start_word":5111,"end_word":5112,"sentiment":"positive","sentiment_score":0.4572818875312805},{"text":"Well, you can always sort of work things on more of a worst case scenario saying that she's you know, if she does retire at the same time as you, this might be the the likelihood of things. Do you know what her income is at the moment or what she's earning? Yeah. It's a Ram around $8,900. 900 per week? Yeah. Yeah. Got Yep. that.","start_word":5113,"end_word":5178,"sentiment":"neutral","sentiment_score":0.09670725464820862},{"text":"Perfect. Lovely.","start_word":5179,"end_word":5180,"sentiment":"positive","sentiment_score":0.6653589010238647},{"text":"And do you have any sort of idea what her approximate super balance might be just for the the overall retirement side of things? If you don't, that's okay. No. No. I don't. I forget. No. No. That's okay. That's not a problem at all. Does she have super? Does she have a little bit of super? And yeah. Yeah. Pretty sure she's got something. I'm just Yep. it's not it's not a lot either, I don't think. But Okay. yeah. Yep. That's Yeah. okay. I'm Do you not think it's sure. more on the north side or south side of maybe a 100,000? Yeah. I I maybe I That's don't okay. know for sure. I'd say I'd say the South Side maybe. Yep. Yep. That's okay. Not a problem. So I'll just put down here approximate between, say, maybe 50 to a 100,000 just so we can sort Yeah. of That's really get into the retirement side of things and sort of show you what we're hoping or expecting based on the projected outcome. And often it. because you are a couple, your partner's sort of circumstances can be a big part of that. And later on down the track, if you wanted me to, we could always have a chat to her as well, maybe incorporate and do some joint advice to sorta help you guys along. So but for the moment, we'll just work on this. Yeah.","start_word":5181,"end_word":5420,"sentiment":"neutral","sentiment_score":0.033330339938402176},{"text":"Absolutely. Perfect.","start_word":5421,"end_word":5422,"sentiment":"positive","sentiment_score":0.41683638095855713},{"text":"And you guys, do you have any kids living at home? I don't I've got down here, there's no financial dependents living No. It's alright. at home. No? Oh, they're not.","start_word":5423,"end_word":5453,"sentiment":"neutral","sentiment_score":-0.05566871538758278},{"text":"Perfect. Lovely. Excellent. And I've got so three days a week. I've got your income. Everything's perfect there.","start_word":5454,"end_word":5471,"sentiment":"positive","sentiment_score":0.4348870813846588},{"text":"Next thing to sort of consider is how just having a look at your regular so your assets and how they may have changed from we when we spoke last year. So I have done here you've got a ute. We had an asset value there of about 10,000. If you had to sell your ute, what sort of value do you think you might be able to get for that? Well, that one, that's probably gone now. We've got another one. Okay. Yep. It's it's probably up around 20 right now or maybe Okay. 15. '15. Beautiful. What kind of year is it? This one is Colorado Okay. Perfect. '20 Beautiful. '16. '20 Excellent.","start_word":5472,"end_word":5586,"sentiment":"neutral","sentiment_score":-0.003451989032328129},{"text":"Thank you for that.","start_word":5587,"end_word":5590,"sentiment":"positive","sentiment_score":0.36447596549987793},{"text":"'16 And I also had it noted here you had a boat with an asset value of World. about 30,000. Do you still have your boat there? Yeah. Yep. Yep. Beautiful. Do you get out very often in it? Not not as much as I should, but every chance I get. Absolutely. Do you still think the Evoque and Moda sort of all combined might be still around that $30,000 mark, or might you alter that asset value at all? Oh, I think it's still yeah. It should be the store in there. Yeah. The same? Yep. Perfect. Excellent. I also had down here another car that you guys own. I'm sorry. It doesn't tell me what kind of car it is, but the asset value is about 15,000. Thinking about any other vehicles that you might have, would that be correct, or would you alter that value a little bit? You know, that one's gone too, but the other Yep. one is a new one. It's probably around the 50, and and Yep. we owe we owe a little bit on it. So that was Okay. another question I I had. Yeah. Would I be able to get some money out to pay towards that debt? You could do if you wanted to access it, but we could utilize that transition retirement strategy this financial year to access a little bit of the money to cover the debt if you wanted to do it that way. And then we may be, in the next financial year, start it to maybe factor in the changes to contributions and look at that as a growth strategy.","start_word":5591,"end_word":5865,"sentiment":"neutral","sentiment_score":0.07434038292277943},{"text":"I can absolutely do that for you.","start_word":5866,"end_word":5872,"sentiment":"positive","sentiment_score":0.7500807046890259},{"text":"Obviously, taking money out of super now without replenishing it back, it does sort of mean that you are gonna have less in super, but I can do the research around to sort of see if it's gonna provide greater growth if we start that around July. Would that be okay? Would you like me to look at that? Yeah. Yeah. It's just just to reduce that debt, I guess, Yeah. but Yeah. the How plan much is do to pay you it off. yep. How much do you have owing on that car at the moment? What is it? Jeez. I'm not sure now. It's about $40.45. I'll have to look at it. 45,000 roughly. Yep. That's okay. So and what kind of car is it? It's a I see the m u x. M u x.","start_word":5873,"end_word":6010,"sentiment":"neutral","sentiment_score":0.06443744152784348},{"text":"Beautiful. They are really popular at the moment.","start_word":6011,"end_word":6018,"sentiment":"positive","sentiment_score":0.4653131067752838},{"text":"I've spoken Yeah. to lots of people who have recently purchased those. '22 model. So Yeah. It's yeah. just yeah. We should've needed a car at the time and probably went a bit bit more than I wanted to, but it was a good car. So Yeah. Yeah. yeah. It's yeah. Just give us something a bit more reliable and all that. So I just said it is at the time and and just working on paying that off as quick as Yep. possible. Absolutely. Now under that transition retirement strategy that we sort of talked about there, if you were to sort of look at that strategy now to be able to take some funds out of super, essentially, we can access a maximum. There are maximums and minimums that we can access under this strategy on how much you can withdraw out. Essentially, we would be able to access up to 10 of the balance that we transfer into the account based pension side of things. So based on your current balance, we would have to leave generally a minimum of 10,000 behind in the accumulation side of things. So Yep. that would, based on the current balance I have at the moment, give us an estimated transfer balance of about a 170,000 there. If we then look at that sorry. Here we go. So then look at that. So it's about a $170,772.13 there, which would, at the full 10%, if you wanted to do that for this financial year, would give you access to approximately, based on the balance at the moment, of about $17,077. So just slightly. It's not quite enough to pay the car off wholly, but it would give you access to the some of those funds. It does reduce the balance now. But if you wanted to do it that way, I could look at the strategy to incorporate that now. Then we next financial year, maybe start in July, look at doing that transfer time strategy correctly. So we are drawing money out to replenish your income, but then we start to increase the contributions back to keep your take home pay relatively the same. Is that sort of what you're after? Is that does that sound like it's what you would like me to look at? Yeah. That's yeah.","start_word":6019,"end_word":6407,"sentiment":"neutral","sentiment_score":0.13899140565591483},{"text":"Yep. It would be I think the way it goes. Because I think overall, it would be better to reduce that debt as quick as possible.","start_word":6408,"end_word":6433,"sentiment":"positive","sentiment_score":0.3906150758266449},{"text":"Yep. But is it is it worth it in, like, a $100 cents, I guess? I guess it it should be. Yeah. Yes. Look. It it's it's honestly not a problem to do. One of the main sort of disadvantages to doing it that way is that, obviously, with the money we are taking out now, if you do leave that money inside Super and just increase your contributions in and we do this strategy the way it's sort of intended to, you're gonna be in a greater position. However, if you take that money at now, even if we are putting contributions back in, you never actually get yourself back to the position that you would have been in had you not withdrawn. But at the same time, taking that money out of the super side of things, it is a tax free withdrawal. You are over 60. It has does help you to reduce the loan amount, and, realistically, you are paying interest on that loan because it is a car Yes. loan or a personal loan there. So the interest could certainly outweigh the the return that you might have got on that money. Paying Yes. down the loan tends to give you a more of a guaranteed rate of return. You are reducing the debt and the amount of interest you pay to the bank for that, which could, in the long term, put you in a better position because you may you know, not having that loan means it's one less thing to factor into expenses into retirement income. So it's more Yes. just about making sure that you're comfortable with that. You are taking money out of the super system to pay it back. It does mean longevity wise, there could be an effect on your super, but it's not the be all and end all. It's it's about making sure you're comfortable with that. And I can show you if you want me to. I'll do the research around it. I can show you what that looks like, how it affects you, the long term side of things, and factor in the retirement side for you for age 67 to sort of show you what we expect based on these recommendations. Any advice we provide for you, Darren, is always up to you to decide whether you're happy to take you get to decide whether you take all the recommendations, some of them or none of them, and we'll show you the advantages, the disadvantages, and the risks involved. Does that sound alright? Yeah. Yeah. Yeah. Yep.","start_word":6434,"end_word":6867,"sentiment":"neutral","sentiment_score":0.07524778276750568},{"text":"Perfect. Well, I can have a really good look at all of that for you.","start_word":6868,"end_word":6882,"sentiment":"positive","sentiment_score":0.4251992106437683},{"text":"It's not a problem. Okay?","start_word":6883,"end_word":6887,"sentiment":"neutral","sentiment_score":0.30185872316360474},{"text":"Beautiful. Alright. Excellent. Perfect. Sounds good. It does. It does.","start_word":6888,"end_word":6897,"sentiment":"positive","sentiment_score":0.5231733918190002},{"text":"Easy. Now the next asset I have on here is your contents. We have that valued at about 8,000. Do you feel like that's fairly comfortable? You leave that at the same amount? Yeah. Yep.","start_word":6898,"end_word":6932,"sentiment":"neutral","sentiment_score":0.10161341833216804},{"text":"Okay. Beautiful. Excellent.","start_word":6933,"end_word":6935,"sentiment":"positive","sentiment_score":0.6369239091873169},{"text":"And is there anything else that we may have missed? Any other assets or liabilities that you wanna add on here? No. That's it. That's it. Yep.","start_word":6936,"end_word":6962,"sentiment":"neutral","sentiment_score":0.11246474832296371},{"text":"Perfect. Lovely.","start_word":6963,"end_word":6964,"sentiment":"positive","sentiment_score":0.4944166839122772},{"text":"Health wise, you did mention that you've dropped hours due to your sort of health. How what's sort of been happening over the last twelve months health wise? Has everything sort of changed? Or No. Everything's alright. It's yeah, everything's fine. It's just mhmm. really Yep. just a a nice balance to not well, just not worth too hard, but just enough to to to save a bit and and, yeah, enjoy life a bit. Yeah. Yeah.","start_word":6965,"end_word":7041,"sentiment":"neutral","sentiment_score":0.09400911629199982},{"text":"Perfect. And have this lovely holiday that you're saving up for.","start_word":7042,"end_word":7052,"sentiment":"positive","sentiment_score":0.6429218649864197},{"text":"Yeah. Well, that's, yeah, that's a big plan because that's, yeah, that's what I wanna do. So Yeah.","start_word":7053,"end_word":7070,"sentiment":"neutral","sentiment_score":0.3068409860134125},{"text":"Beautiful.","start_word":7071,"end_word":7071,"sentiment":"positive","sentiment_score":0.5672463178634644},{"text":"And I've also got down here that other goals moving forward. You also wanna pay down the car loan as much as possible. Is there anything else, you know, over the next sort of two to three to five or ten years that you might be wanting to achieve? Or Well, not apart from if we're you know, as far as going, but but but buying a house maybe, but that's why I gotta decide whether whether it's not gonna happen and and plan to not have one and just rent or whatever, Yep. Yep. but or a unit or something like that. But, yeah, that's that's another goal that's just to set something up for somewhere to live, really. Yeah. But Yep. yeah. It's yeah. Just wondering which way it'll go and whether it's worth Absolutely. even looking or Yep. yeah, Yep. Absolutely. that's Not a problem. all Yeah. I was thinking. Yep. No. Absolutely. Not an issue at all. Now the other thing I just wanted to sort of evaluate with you is just sort of double checking that you are invested correct in the right risk profile. Because other things that we can look at are if you wanted to try and get a bit more growth out of your super, we could look at taking on a bit more risk in the market. It also comes down to your comfort level as well, but taking a bit more risk in the market can open you up to greater potential returns. It's just a bit of a juggling act, and I wouldn't want you to take on too much risk than you're comfortable with because then it does mean that you risk at the time you're wanting to stop working and hopefully retire, there could be a downturn in the market. And if you chose to continue to retire, you might be cementing losses that may have occurred. So just to sort of go through just a couple of questions there to assess your risk profile, The first one is, have you ever owned direct shares? Have you ever invested in your own name before outside of Superm? Nope. Never owned shares. No? No. Not always wanted to, but just never Yep. got there. I never understood That's okay. it enough to to Yep. know what to do. That's absolutely So okay. always Not always an ish. wanted to get into it, but never did. Yep. No. Absolutely. The next question here is asking, I sent it to more about inflation. So it says, how much risk do you feel you're comfortable to take when it comes to your super to get those greater potential returns? Do you think you're happy with a higher level of risk to get greater potential returns in the future? Are you comfortable with a moderate or medium amount of risk to get the best returns you can, or are you only comfortable taking on a small amount of risk to get the best returns you can possibly obtain? Oh, yeah. It's just that crystal ball thing. I I'm only because I need to get as much as I can. I I Yep. would like to sort of high risk, but yeah. I'm a little bit worried, so Yep. maybe medium. Yep.","start_word":7072,"end_word":7621,"sentiment":"neutral","sentiment_score":-0.00878655192526904},{"text":"Perfect. Lovely.","start_word":7622,"end_word":7623,"sentiment":"positive","sentiment_score":0.4706794023513794},{"text":"How do you think you might be feeling if you looked at your super balance in, say, the next six to twelve months and due to external market factors or what was happening in the world? If the portfolio fell and we saw maybe a 10 or 20 drop, how do you think you might be starting to feel? Well, it is what it is. I don't know. Yeah. I'd I'd I would hope it's not. That Mhmm. sort of wouldn't happen. Mhmm. But, yeah, I I get yeah. I don't know. I don't know enough, I guess. But, you know, it is what it is. You know? Yep. That's okay. Gotta get together Do you think it to might fly. be a little bit con yeah. Do you think it might be a bit concerning? Do you think you'd wanna put more money in to take advantage of the market dips, or do you think you might just be calling us and asking what's happening and what can we do? Probably just calling you, I guess. Yep. Yeah. Yep.","start_word":7624,"end_word":7803,"sentiment":"neutral","sentiment_score":-0.08301749005913735},{"text":"Perfect. Lovely.","start_word":7804,"end_word":7805,"sentiment":"positive","sentiment_score":0.589441180229187},{"text":"Having a look at the sort of returns that you're after, you're trying to get the best returns you possibly can out of your super out of your portfolio. Am I right? Yeah. Yeah.","start_word":7806,"end_word":7839,"sentiment":"neutral","sentiment_score":0.3013830780982971},{"text":"All good. Perfect. Well, thank you for answering those questions.","start_word":7840,"end_word":7849,"sentiment":"positive","sentiment_score":0.42331448197364807},{"text":"Now having a bit of a look there, you sorry. The last one here I just had to ask, I do apologize. It just sort of popped up there for me, is when you think about borrowing, you're still wanting to buy property in the future. You are open to hopefully being able to buy in the future. Is that right? Well, yeah. I would. Yeah. Yep. But, you know, to get it. But, yeah, he's gonna owe me money, really. Yeah. Yeah. We have a year ago, probably wouldn't be able to get it. So Yep. No. That's understandable. Not a problem at all. but And thank you you. never know what comes along, that's all. You know? That's Okay. exactly right. Yeah. Yeah. Yeah. Yep. That is exactly right. Now as I kinda mentioned before, you are in more of a balanced growth portfolio, which generally sees about 70% of your super invested in growth assets.","start_word":7850,"end_word":8007,"sentiment":"neutral","sentiment_score":0.00817673746496439},{"text":"These are the investments that take a bit more that give us a bit more risk, that tend to give us greater returns over the longer term as well.","start_word":8008,"end_word":8036,"sentiment":"positive","sentiment_score":0.3670869469642639},{"text":"There are things like Australian shares, international shares, listed property, and commodities.","start_word":8037,"end_word":8048,"sentiment":"neutral","sentiment_score":0.31822580099105835},{"text":"This sort of portfolio is trying to average around about six to 8% return on a yearly basis. So your return this year, while spend along has been down a little bit, is generally in line with what the expectation is of that portfolio. You still then have around about 30% in defensive investment fees of things that tend to be lower in risk, things like cash, bonds, and fixed interest. We wanna have a mix of both to diversify and spread our risk level over the portfolio.","start_word":8049,"end_word":8136,"sentiment":"positive","sentiment_score":0.4681875705718994},{"text":"Over the course of time.","start_word":8137,"end_word":8141,"sentiment":"neutral","sentiment_score":0.2678848206996918},{"text":"Those defensive investments help to smooth out long term market fluctuations. So it's good to have some of those in there.","start_word":8142,"end_word":8162,"sentiment":"positive","sentiment_score":0.42619588971138},{"text":"The balanced growth portfolio, we do expect the likelihood of a negative return to be about one in six years. So it's relatively low to other portfolios. And this sort of investment portfolio suits someone who has about five years before they're wanting to access their their investment or their money. So this does suit where you are. If you are wanting to take on just a little bit more risk and maybe increase things a bit, we could always move you up into the growth portfolio that increases those growth assets by about 10%.","start_word":8163,"end_word":8257,"sentiment":"neutral","sentiment_score":0.09303921461105348},{"text":"So you see about 80% invested there.","start_word":8258,"end_word":8264,"sentiment":"positive","sentiment_score":0.3479021489620209},{"text":"It suits someone who has at least six years before they're wanting to access super. So at the moment, you're 60. If we sort of work to 67, that does give you seven years. We wouldn't wanna keep you in that portfolio right up until the day you retire. So as you get closer, we'll start to reduce your exposure a little bit there as well and make you more defensive. But did you wanna sort of maybe look at going up and increasing that, those growth assets by 10%, maybe looking at the growth portfolio, just moving up one sort of stage there for a comfort amount, or what would you like me to do? Yeah. I wish I knew. I don't know. Yep. Yeah. I don't I don't know really. I guess That's I guess so. that's okay. Would you like me to look at staying in the balance growth option for you at the moment, look at that trends in your time strategy, look at how that how things work for you, look at the overall retirement projection? If we find it's not gonna be enough, then we could always look at as sort of a worst case scenario, moving you up a little bit, taking on a bit more risk. Would you like me to look at it that way for you? Yeah. Yeah. I'll Yep. I'll yes. Yeah. That's okay. It can kinda keep it sort of as a worst case scenario. So, you know, if we're not getting the outcome we're sort of after, if it's not really working, then we could always look to take on a bit more risk. But I can Yeah. always just look at sort of keeping the portfolio the same and see see if it works for you that way. Okay? Yeah. Yeah. Yep.","start_word":8265,"end_word":8570,"sentiment":"neutral","sentiment_score":0.054797390828919566},{"text":"Beautiful. Lovely. So I've got that for you. Beautiful.","start_word":8571,"end_word":8579,"sentiment":"positive","sentiment_score":0.6198927760124207},{"text":"Well, I've basically got everything I need at the moment to kinda go back. So just to kind of recap, we're gonna look at the super. I'll look at where you're in at the moment with Netwealth. I'll also look at the other options. I'll try to keep you in that balanced growth environment for you. As a worst case, we could always look to increase the risk down the track there. We'll look at removing the underperforming investment for you, replace it with something hopefully lower cost. I can also look at other investment profiles or portfolios that might sort of if it provides greater benefit, has maybe an option where we can be maneuvering investments for you if they're underperforming. Would you like me to look at alternative investment portfolios like that for you? Yeah. Yep. Yeah.","start_word":8580,"end_word":8718,"sentiment":"neutral","sentiment_score":0.10119526833295822},{"text":"All good.","start_word":8719,"end_word":8720,"sentiment":"positive","sentiment_score":0.3540433645248413},{"text":"The other thing I just said of I had a wanted to have a look at is you don't have any insurances. Now I know you are 60. So, realistically, if you were to pass away, I can see here that your super balance will be paid out as a benefit there. But you don't have any personal insurances, the life TPD income protection. In the event of, say, a TPD claim, we can be giving your age access super under permanent incapacity so you can make a claim on super that way. If you were to pass away, the last benefit would just be paid out of your super balance. So whatever your super balance is paid out to your beneficiary there as well. But in the event of not being able to work in the shorter term, we would again have to try and access super. And because you are 60, if you were not working, we could, you know, access super under that sort of benefit and give you some money out of there. But are you comfortable not having insurances? Are you happy to sort of continue that way? What's your thoughts around the personal insurance side of things? Yeah. I I don't know.","start_word":8721,"end_word":8928,"sentiment":"neutral","sentiment_score":-0.05714400298893452},{"text":"I hate the insurance part.","start_word":8929,"end_word":8933,"sentiment":"negative","sentiment_score":-0.4701869487762451},{"text":"It's it's Yeah.","start_word":8934,"end_word":8936,"sentiment":"neutral","sentiment_score":-0.3280017673969269},{"text":"something you need you need you need to do something about.","start_word":8937,"end_word":8947,"sentiment":"negative","sentiment_score":-0.42313915491104126},{"text":"Yeah. I mean, given your age because you are 60 look. And the realistic view is if you are not working, if you stop working due to your illness or whatever, you can access it. If you're over 60, not working, or dropping it. You know? Ceasing work is essentially the condition of release to access your super, so you could do so. Permanent incapacity, again, is the same sort of thing. Claiming that against your super, and that provides the benefit to you so you can access your super if you were diagnosed with some sort of disability that stopped you from working. And if you were to pass away, your super benefit is paid out to your partner or to your beneficiary as a life benefit as well. So you do sort of have those covers there without actually having insurances. The downside to not having insurances is that it is only your super that is paid out to provide that benefit. You don't have anything additional to fall back on. The benefit Yep. to not having insurance is is that you're not paying for those premiums out of your super, and that can have a long term effect on your super as well. So I Yeah. just wanted Yep. to sort of make sure I'm clarifying that with you and confirm your comfort level. But did you want us to look at some sort of cover for you, or are you happy just with what you've got and just wanting to maximize super? What's your where your where's your comfort level at?","start_word":8948,"end_word":9212,"sentiment":"neutral","sentiment_score":-0.09199022510141695},{"text":"At this stage, I guess I'm happy. I take Yep.","start_word":9213,"end_word":9222,"sentiment":"positive","sentiment_score":0.3979875445365906},{"text":"that to the chance, I guess. And, Yep. yes, at this stage, that'll do. Yep.","start_word":9223,"end_word":9237,"sentiment":"neutral","sentiment_score":0.23225964605808255},{"text":"That's okay.","start_word":9238,"end_word":9239,"sentiment":"positive","sentiment_score":0.36533740162849426},{"text":"And the other thing we do have to sort of discuss is the option of trauma. So trauma is not an insurances that are paid. In SOP, you have to pay for them out of your back pocket, but trauma tends to pay out a lump sum tax free benefit in the event that you are diagnosed with, say, certain cancers, neurological conditions, Parkinson's, things like that. Did you wanna look at getting any trauma? You're happy not to have trauma as another option? I guess at this stage, Yeah. I'm gonna need yeah, probably need something one day. Yeah. Yeah. Just yeah. Anyway, that'll at this stage, it should be alright.","start_word":9240,"end_word":9351,"sentiment":"neutral","sentiment_score":0.01687835529446602},{"text":"This day should be fine.","start_word":9352,"end_word":9356,"sentiment":"positive","sentiment_score":0.3393871784210205},{"text":"Not a problem at all. I just thought I'd have to go through those with you to sort of make sure that you're aware and understand the differences Yep. there. We always have to give you the option. That's all. So Yep.","start_word":9357,"end_word":9398,"sentiment":"neutral","sentiment_score":0.1060992106795311},{"text":"I'd like to make sure I'm giving you all the information to be able to make that decision comfortably.","start_word":9399,"end_word":9417,"sentiment":"positive","sentiment_score":0.35790690779685974},{"text":"Okay. K.","start_word":9418,"end_word":9419,"sentiment":"neutral","sentiment_score":0.1919696182012558},{"text":"Perfect.","start_word":9420,"end_word":9420,"sentiment":"positive","sentiment_score":0.3907345235347748},{"text":"So we're focusing on the super looking at ways to benefit there. I'll look at the transition retirement strategy for you. I'm looking at taking out a 10% withdrawal this year and then maybe looking at the TTR strategy moving forward. We're working on a take home pay keeping your take home pay at around that $1,500 mark per week. Is that right? Sorry. It's per week, isn't it? Your take home pay, 1,500 per week Yeah. or fortnight? Per week? I'll put it with yeah. Per week. Yep.","start_word":9421,"end_word":9509,"sentiment":"neutral","sentiment_score":0.11630032956600188},{"text":"Perfect.","start_word":9510,"end_word":9510,"sentiment":"positive","sentiment_score":0.4222029149532318},{"text":"Just wanna clarify that for you. And, yes, I'll go back and do all that additional research for you.","start_word":9511,"end_word":9529,"sentiment":"neutral","sentiment_score":0.24560517072677612},{"text":"If I find it's not gonna work, we could just look at salary sacrificing and seeing what that can do to help you.","start_word":9530,"end_word":9552,"sentiment":"negative","sentiment_score":-0.3880425989627838},{"text":"If there's another conversation I need to have, I'll come back and have that with you.","start_word":9553,"end_word":9568,"sentiment":"neutral","sentiment_score":-0.07170398533344269},{"text":"But I've got a a lot of really good ideas that we can look at for you, some different strategies to assess, and we can update the advice document and come back and show you what that looks like so you can decide whether you're happy to take on the advice or not.","start_word":9569,"end_word":9621,"sentiment":"positive","sentiment_score":0.4110397398471832},{"text":"Does that sound okay, Darren? Yep.","start_word":9622,"end_word":9627,"sentiment":"neutral","sentiment_score":0.2587476670742035},{"text":"That sounds good. Yep. Beautiful.","start_word":9628,"end_word":9632,"sentiment":"positive","sentiment_score":0.5336594581604004},{"text":"Do you have any questions? I know I've asked you everything under the sun. I know as much about you as possible. But do you have any questions for me? Did you want me to kinda break anything further down for you? Or No. I think that's yeah. That's about Yep. it.","start_word":9633,"end_word":9684,"sentiment":"neutral","sentiment_score":0.07410294562578201},{"text":"Beautiful.","start_word":9685,"end_word":9685,"sentiment":"positive","sentiment_score":0.5696365237236023},{"text":"Well, if you find you do have questions, please do let me know. I have sent the annual review documents to you, which does give you a summary of your balance. It also has the internal rate of return report that we went through, giving you the returns and how your sleeper has performed. It's also got there the ongoing service agreement attached, So that's essentially just letting you know that you do pay an ongoing service fee for our services, which is 1.65% per annum. It is deducted in smaller monthly increments out of your super, and that allows us to be looking after your super, monitoring everything for you, but also updating the advice and the strategies. There's no additional fees for that. So if I can get you to run your eyes over the documents there, return those and your review documents back for us. You'll also have in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It outlines all the important aspects of our job, making sure that we're abiding by the corporations act specifically sorry, specifically, section nine of that. We also make sure that we abide by privacy rules and regulations, making sure to do security with you on a regular basis. And if you And if you wanna have a look through that document, it's also got a lovely picture of me in there. So you can also see what I look like and get a bit of an idea of who I am as a financial adviser. Okay? Okay.","start_word":9686,"end_word":9954,"sentiment":"neutral","sentiment_score":0.21966197521713143},{"text":"Beautiful. Beautiful.","start_word":9955,"end_word":9956,"sentiment":"positive","sentiment_score":0.7411717176437378},{"text":"Did you have any other questions? Have I sort of touched on the points that were more important to you today? Is there anything else that might come to mind that you wanted to ask me at all? No. No. I think that's No? That's okay. If anything does happen to come to mind at any point, please it. do let us know. We are here, and I will always make time to take the call for you. But, yeah, I'll get started on this research. And as soon as we have it ready to go, I'll book you back in, and we'll go through the advice document together. Okay?","start_word":9957,"end_word":10066,"sentiment":"neutral","sentiment_score":0.164787620306015},{"text":"Alright. Thank you very much. My pleasure. Thank you so much for your time today. I appreciate it. I hope you have a lovely rest of your day. Yeah. You too. Thanks. Thanks, Darren. Talk to you soon. See you later.","start_word":10067,"end_word":10107,"sentiment":"positive","sentiment_score":0.6926458477973938},{"text":"Bye. Bye.","start_word":10108,"end_word":10109,"sentiment":"neutral","sentiment_score":0.19074396789073944}],"average":{"sentiment":"neutral","sentiment_score":0.07932692033531022}}}}