{"metadata":{"transaction_key":"deprecated","request_id":"01a0ad0f-f506-7590-96de-4002401e63e1","sha256":"cd69bbd156d5e90ac1356e44be26d8a1b6e36af35db3c7243e0a81b468fd532c","created":"2026-09-17T01:51:41.862Z","duration":3074.1838,"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":8235,"output_tokens":88},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9221,"output_tokens":9239},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9221,"output_tokens":640}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Sharon. It's Jenna here from Oakview Financial. How are you? I'm good. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And, Sharon, can I please ask you to confirm your full name, date of birth, and address? Thank you for confirming that. How are you doing today? Yeah. How did the return to work go? Yes. And did you manage that okay and the specialist happy with it? Yes. Yep. Yeah. And better better you do you manage to get the swelling down and and get it comfortable again once you get home? Yeah. But are are you managing it okay? Okay. Well, that that's good to hear because I know our last couple of conversations has been very take toll taking on you because of everything that you've been going through. So I just wanted to check and make sure that you're doing okay now. Yeah. You are you feeling a bit better? Oh, good. I'm so I'm so pleased to hear that. Okay. Well, the purpose of my call today was just to have a quick chat and a check-in to go through a document that I sent you a little earlier. I don't know if you've seen that pop up on your email, but it's a statement of advice. So it's just it's to go through those changes that we talked about on the phone in our last meetings, particularly your in your review. Do you have some time to go through that now? It woulda. It may come from Jenna Wheeler or Odoo sign. Yeah. Okay. So same process as before. You're not signing anything right now. We're just gonna talk through it. So if you open that up, we I will talk through the lovely document that is in front of you. So have you got that opened? You just let me know when you've got that opened and when you're ready. Beautiful. Thank you. So the first page would be a stay it's a cover page saying it's your statement of advice. It explains that I'm the one providing advice to you, what my authorized representative number is, and who I work for, which is Oakview Financial. The second page is explains what this document is and that it's valid for sixty days. The reason why we have a time frame on how long the document is valid for is to make sure that if it goes outside of that time frame, sometimes people's situations can change quite quickly and that we just need to review any information before the advice is proceeded with again. So, typically, we just follow the same process all over again. The it outlines here also our best interest duty. So this is to make sure that it's a legislative standard to make sure that we act in our client's best best interests at all times so we identify your financial situations and needs for the individual to you. Any advice is specific again to you based on your individual circumstances, and then assess and consider whether any advice is provide is required in relation to strategy or product. And it all has to be in your best interest. The next page is a table of contents, and then the following page is our scope of advice. So this is what so scope of advice is considered is what I'm gonna talk to in this document. So the review of your superannuation is to look at q super hub 24, ensure super superannuation balances are combined as much as possible without impacting or you losing your existing insurance within q super, and a recommendation that you establish a will and power of attorney attorney. Attorney. Sorry. Oh, gosh. And review any beneficiary nominations in super. So that one's specifically for q super because we noted that you didn't have any in q super. The next page is your scope of advice limited scope. So we did talk about you wanting to review whether you can amend the waiting period on your existing default q super insurance for your income. So I've had a little bit of a look into that and provided some general information in this document for you as well. And then the following page is scope of advice not considered. So this is the repayment of the debt. What we talked about in our last review is that we would revisit this in September 2027 once the lease is con the lease concludes on your car. It's gonna free up some cash flow for you, but also noting you'll have to get a loan to fund the balloon payment. So at that point in time, we talked about looking at our repayment an accelerated repayment plan basically with the surplus cash flow to get you ahead of that debt so you can retire debt free and then look at building your superannuation. So you can hopefully retire at age 65, which is your your actual goal. Does that sound correct? Do I have all that right? Fantastic. Because I do know in our last conversation, you said 65 was your retirement goal, but you thought that you may have to work till 75. Part of my role is to get you to next year. Let's look at the debt repayment, get that done to save you some interest, and then look at your retirement. But there is some there is a document, I believe, a table later in here that can give you a look at what retirement looks like even now based on your current super. So we can go through that, and it can give you a bit of an idea that you are on track. There are probably just a few little things we need to do once we've got that debt under control. Okay? The next page is a limit advice. This is just a general warning saying that if any information has been disclosed to us incorrectly or is wrong, it could affect the the advice. Letting you know that I'm not a lawyer, so I can't draft wills or provide specific advice in that regard. I can only say you should definitely do it. And that I am avail I am able to provide tax advice in relation to financial planning, but I'm not a tax a a tax agent. The next couple of pages is the about you section. So this is the information we confirmed in our recent review And then your lifestyle and assets, your current super, so it's spread across hub twenty four and q super, and your current policies within q super. The following page is your risk profile. So I just wanted to touch on this quickly because I do know and I recall from our previous conversations, I just wanna make sure that you are absolutely comfortable with it because there was a lot going on. Grow a growth risk profile. So in our our previous conversation, you prob there was obviously a lot going on for you, and you were not able to answer some of the questions. So I just wanna make sure that you understand a growth risk profile and that you are 100% comfortable with it. So I'm just gonna spend a minute or two explaining a grow a growth risk profile to you. So what a gross risk profile is is that, typically, you would see about 80% of your assets allocated to growth, which is international and Australian shares and some property exposure. So some listed property with the remaining estimated 20% allocated to items like fixed interest and cash. So they're more the income producing parts of your of your balance, whereas the growth is the part that experiences the most volatility. So if you recall, I we went through a Vanguard, that lovely chart that shows the ups and downs of the market. So those extremely volatile ones are is where 80% of your funds sit. What we say is that for a gross risk profile, you should be invested in that type of profile for a minimum of six years, what that does is it allows you to statistically withstand the market fluctuations and variations that we see. And then the likelihood of having a negative return in a gross portfolio is approximately one in every five years due to that volatility. So I think what I just wanna confirm is that you are you are comfortable with that. Do you understand? Do you have any questions? Provide further anxiety or worry. Yeah. So the the alternative I'll give you the alternative is is a balanced growth. So that's the one below it. And, typically, it would be a seventy thirty split. So that would be 70% growth, 30% defensive. This one is more a a minimum of a five year time frame investment with a likelihood of a negative return in one in every six years. The variance of expected volatility is plus or minus 8%, whereas the variance for a growth for volatility is plus or minus 11%. So there is a bit of a gap there. There's about a 3% gap, and you've got a 10 less exposure to growth assets and a 10% more exposure to defensive assets. So what yeah. I just need to confirm that you're happy with the growth or that you wanna look at taking a little bit less risk. Your time frame for retirement sits with easily within both of those. It's just what you're comfortable with. So what let me see. Going to see if my computer wants to participate with me today. I am looking. Sorry. One second, Sharon. It won't be a moment. Oh, it's your birthday soon. Yes. Yeah. Next week, it looks like. So you'll be turning 57. So if you retire at 65, that's eight years away. So that's probably something to consider when thinking about comfort levels with the gross being a time frame of a minimum of six years and a balance gross being a minimum of five years. And the question, I think, probably that you need to ask yourself would be, do you are you comfortable with a six year or five year allocation to some growth assets to review after that time or as, you know, a retirement approaches. And because what happens is is as we as clients approach retirement, we do look at limiting and minimizing not minimizing. We do reduce exposure to growth assets and allocate some more to income because what happens in retirement is that we need income producing assets to produce that income for you without selling our growth assets that keeps your portfolio growing. So there's strategies as retirement approaches that we look at to make sure that you're invested correctly and in line with your time frame and and and more more importantly, your goals. So it's it's really a comfort a comfort thing. So when I speak to clients, my my advice is it needs to pass the sleep at night test. If it continued to be invested as it is, are you confident and comfortable with that? Are you so at the moment, the market's going through a little bit of an up and down. Can you sit through that and be confident that you have time on your side, or does that give you a little bit pause for concern? Yeah. Yeah. We can come back to it if you want some time to think about it. I'll go through the rest of the document. And because it's a lot to it's a lot to to think about. What I also can do is just complete that risk profile again and give you my recommendation if you like. Yeah? Okay. Let's go through that risk profile for you, Sharon. It won't be a second. I'm just gonna jump in and open that up. So these the questions that we we talked through last time. And so you probably will have a a it will it you will probably recall them. There's about seven questions. No right or wrong answer, just what your your answer is. So what is the most aggressive investment you've ever made? Direct shares, managed funds, investment property, own home, or a bank account? Yeah. Anything that you've invested into. So a bank account, would that be yep. Okay. Oh, make sure I'm on the right sheet there. Filling in the right section. Once your investments have been placed, so this is we're referring to your superannuation now, how long would it be before you need to access the capital? Longer than ten years, between seven to nine, between '4 to six, or between '2 to three, or less than two? Yep. Fantastic. So the next question is inflation means things are getting more expensive over time, making our money worth less. How much risk are you willing to take to keep up with rising prices? Would you be willing to accept a very high risk, willing to accept high risk, a moderate risk, a small amount of risk, or none? Moderate? Okay. Beautiful. And the next question is, in months' time, how would you feel if you found out your portfolio decreased by 20% due to trends in the financial market? So if you think of that Vanguard chart, would you, number one, invest heavily for growth, invest modestly for growth, hold and weight improvement, shift your assets to defensive ones to minimize losses, or would you convert to cash? Yeah. So if your portfolio decreased 20% today, what would you do? Sorry? Stress. Yeah. Yeah. I think we all probably would. But would would you would you ring me and say, what would we do? What should I do? Or would you ring and say, I wanna move or I wanna sell all my growth assets and put it in defensive assets or put it all in cash? What do you think you would do? Yes. Okay. My advice would be hold because the reason being is that we don't wanna sell our growth assets at a loss. Does that make sense? Okay. The next question is what kind of return do you expect to get from your investments over the long term? 8% above, six to 8%, four to six, or two to 4%. It's there's no right or wrong answer. It's just what you would like. Yep. That's fine. Then so the next question is, have your investments, including your superannuation ever dropped in value? And if yes, how did it make you feel? Optimistic about the future investments, cautious with no further investments planned, concerned, highly anxious and seeking advice, or seeking to maintain losses. So that yes. So that's two separate ones. So it's concerned or highly anxious and seeking advice. So you could be concerned and seeking advice, or would you be highly anxious and seeking advice? Yep. Okay. And yeah. That's okay. And the last one is, have you ever thought about taking out a loan to invest to borrow for shares or an investment property or only for your principal place of residence? Yep. Yep. Okay. Fantastic. Alright. So you came out as a moderate investor. So that is the one below growth, which is the 70 to 30% allocation. My advice as an adviser is to maintain your current risk profile being a growth. It is a difference of a 10% allocation to growth assets. So instead of 70%, it would be 80%. You do have the time on your side to withstand the market fluctuations. And the and the benefit is is that at our regular reviews, we revisit this conversation every single time. So it's not something that we're gonna set and forget. You have been in a gross portfolio for quite some time. Your q super is also invest in a gross portfolio, probably a little bit higher than the the hub twenty four one. So I think your your my opinion is that you'll adapt to fluctuation, market fluctuation, that having somebody to talk these things through is extremely beneficial for you. So my recommendation is to maintain a growth portfolio solely because it's gonna give you that opportunity to continue growing your retirement savings whilst taking a slightly higher approach to growth assets compared to a moderate profile of 10%. Are you comfortable with that? Okay. Alright. I just needed to make sure because I I don't want to recommend something that you're not fully aware of or comfortable with? Yeah. Okay. Alright. That's fantastic. Good. Good. And we'll revisit this conversation every year anyhow. The next dot pages are the strategy recommendations. So this is where I'm looking at your superannuation. So I have recommended that you retain Hub and q super. What we're gonna do is roll over the majority of your q super, leaving a $10,000 balance so your insurances remain in force and the difference being rolled to hub twenty four and invested in hub twenty four. Leaving the 10,000 means that you keep your superannuation. You also have your super guarantee contributions going into q super, which there's two folds of protection there to ensure that your insurances don't lapse for any reason. But I wanna put in place an extra step to complete an opt in form with q super. So if if, for example, your balance falls below $10,000 because the market drops, for example, or your super guarantee hasn't been paid there for sixteen months, this opt in form protects your insurance from ever being canceled. So I just wanna go that one step extra and make sure that form's signed so that it can never be canceled. So the the re the then we go into the best interest duty. So this explains why I've made those recommendations, which is maintaining the q super so your insurance remains in place. The I've also recommended that every year at our reviews, we will do a rollover from q super to hub 24, and it won't be in this document this size of document every year. It'll be in something called a record of advice because I'm covering it off in this document. So we can just do it every year for you without having to go through this large document. So we won't get to the situation where it is missed like it had been last year because we don't want that to happen. The hub 24 the reason I did consider maintaining q super and having all your funds in q super, the reason that I did not do that is because I did not recommend that. It's because industry funds are fantastic when building wealth. As we get closer to retirement, they invest in assets called unlisted assets. So that could be so things that aren't listed on the ASX, for example. And what that what can be a result of that is if you recall the GFC, one of the most popular ones was impacted impacted the property market so heavily. When clients get closer to retirement, liquidity is an extremely important factor because clients need access to their funds to retire. So I've always operated in the sense that whilst building wealth and in your early stages of your career, industry funds are a fantastic opportunity low fees. As you get closer to retirement, you need funds that don't invest in those types of investments. So everything we recommend recommend is a listed asset. So that means that your funds you have access to a daily share price. In an unlisted asset, the the price might be calculated quarterly or monthly. So you don't have a live value. So that's why for my retiree clients that are approaching retirement, I tend to on the side of caution when it comes to those types of investments. So that's why I didn't choose q super. Yeah. Yep. Then so what my recommendation is is essentially that we're gonna keep 10,000 in q super to maintain your insurance, get you to sign that opt in form to make sure your insurance remain active, roll the surplus to hub twenty four. The the fees will increase a little bit, your administration fees, simply because so it says you'll pay $228 more in administration fees in hub twenty four, and that's because we're taking the funds out of q super and increasing them in Hub 24. So the difference between that will be $228. So it's gonna so that's the savings from QSuper and the extra that you'll pay with hub twenty four. Does that make sense? Yes. Okay. Fantastic. Additionally, there is no CGT exposure in the q super fund because they're gonna make a few investment switches as well. I mean, in the hub twenty four fund. Sorry. Because, yeah, there's no capital gains tax. In q super, there could be. It is hard for us to know because of the type of fund it is. So because all the money is invested in a pooled situation, so yours is invested with everyone else in the lifetime focus, you don't have you own a share of it. You don't own the investment specifically. So an allocation of capital gains tax would be applicable to you. Typically smaller in a pooled fund, but I'm unable to actually determine what that will be. So in line with considering q super as well, we considered another fund like my north. The a high CGT would have been occurred through hub twenty four to do that, approximately $1,600. So that's why I discounted that. And, also, their investment trading fees are a little bit higher. So any questions following that? No. It's a lot to take in, isn't it? The fee comparison is the next page. So that's the difference in the fees that I explained to you. So that table so running your eyes over that first table, any questions there? No. No. And that second table below is your projected balance. So we don't do anything sick like large balance projections outside of ten years. So you'll see in five years, if you leave things currently as they are, your expected balance is 262 or 263,000 rounded up. If we go with the recommended, it's projected to be 306,000. But at age 65, which is in nine years' time, if we go with the recommended, you're gonna be approximately $90,000 better off. So that's based on historical returns, but also conservative as well in nature. So we're not gonna some may calculate these saying, oh, this is based on a 20% return. They're definitely not. They're they're based on a very conservative return. The next page just shows you the annualized investment returns as of the August 31, and it's just comparing between the two. So you'll see over the long term, Hub does perform better. Well, the portfolio that we've created in Hub does perform better than q super over the longer term, which is what we wanna see. The next the next one is the recommended investment. So it's a table of your superannuation with the first line being your q super. So you'll see that there's a negative figure of 76 odd thousand dollars with a remaining balance of 10. That's what we're gonna take out. And then that's gonna be spread across your existing hub twenty four account. So you'll also know, yeah, you'll also know that first one note, sorry, that first one being the panel on concentrated equities with a negative figure of $19,679.81. That's the one that we're gonna sell out of that was underperforming. So that one as and then it will be spread. That plus some funds coming from your superannuation in q super will be spread out across your new portfolio. The other ones that are negative showing in red, we're selling out of those investments to take a to invest differently in some alternative funds. So any questions there? Okay. And sorry. That table continues below. So you'll see that so that beta shares 200 is actually what we're replacing the Benelong one with. Yep. Okay. The next section is your asset allocation. So being a growth investor, which we've just confirmed you're happy with, this is how your funds are spread. So you'll see in the proposed column and the existing, so they're the two middle ones, your current allocation to Australian equities is approximately 23%. We're gonna reduce that a little bit down to 20%. International equities, you're currently exposed to about 42%. We're gonna increase that to about 54%. And that just shows you the difference in your port your the the underlying sectors. But then if you see the growth, you have about 80 let's round it up, 85% invested in growth assets. So instead of 80, it's sitting at about 85 due to market conditions at the moment. So those figures will always change and fluctuate up and down depending on how the market's trading. Okay. So retirement income calculation. So this is based on your information today. So it's a very small table. So I'm just gonna zoom in. So this this is indicative of adviser fees and a consideration has been made for platform costs and investment fees. So this shows you the age pension is the blue part of the graph, and the green is the is your superannuation. So based on today's situation, your superannuation at $1,000 a week or 2,000 is your target, And this is a very basic one because we're not looking at retirement at the moment specifically. But to give you some insight, your superannuation balance on $2,000 a fortnight is gonna take you to age 91, and that's with a retirement date of 65. So this starts at 65. So you'll see that at 67, the age pension kicks in, and you don't need to draw as much from super to supplement that difference, which is why your superannuation lasts longer. So once we've paid off that debt and we're able to put potentially a little bit more into super to build that for you, I do not see any reason based on today's state why you would not be able to retire at 65. Okay? So I wanted to give you a little bit of peace of mind there because I know that that was probably weighing on you. Yep. Generally, the next page is the general insurance advice. So this is where I I looked into q super a little bit. It does say that you are able to decrease it to thirty or sixty days. There are some eligibility requirements. I wasn't able to ascertain what those were. The change can be done through member online, which you mentioned you tried to do, but it wouldn't work, or completing a change of insurance form. Decreasing the waiting period will increase the cost of your insurance. But if you were unable to do it online, you could try by doing it through the change of insurance form to see if you were successful in doing that. Okay? That's okay. And then the next page is establishing your beneficiary nomination. So at the moment, we we have recommended making them to your legal personal representative, which is basically your will. So that's one thing that I do need to just flag with you that the reason why we have made it to your legal personal representative is because it you save approximately 2% on tax payable to the government on your balances. But I also note that you don't have a will in place at the moment yet either. So it's it would be if you if you did pass away with no will, it would go to, I believe, the Queensland trustees to manage it. If you there are many ways you can get a will. You can go I think there's a few online that you can do that you can utilize that are very low cost. There's also the post office ones, I think, you can go get or or something. So I'll just I'll leave that with you and see how you go, and I can provide you with some resources if you need to. To your estate to your will. So a legal personal representative for superannuation is your will for your estate. So, yeah, that's what the superannuation companies refer to as your estate. So instead of saying estate, they say legal personal representative, which is essentially the executor of your will. So, yeah, it it's probably pretty important to get one done up. We can definitely direct your superannuation to somebody over the age of 18. However, they will pay 15% superannuation tax as well as the 2% on top of that for Medicare. Yeah. Yeah. They don't miss you. So the reason why we do say a will is simply because you save the 2% on tax if you're having if your beneficiary is a nonfinancial dependent, which we discussed previously, is your current one with hub twenty four is not a financial dependent under superannuation and tax law. So we can definitely still nominate an individual until you get a will in place, but I would strongly recommend looking into that will situation as soon as you can. So on that, did you want to nominate an individual, or did you with your beneficiary nominations? Because that's something that I do need to make sure I address for you. You can, but they will pay the 17% tax instead of the 15% tax your estate would pay. For as a stopgap for the time being, if you wanted to until you got the will done, you could put your kids. Once you got the will done, if your kids were the beneficiary of your will, you we can change that to then being your estate. Sorry? As your beneficiary? So do you want your dad to get your superannuation or your children? Yes. Yep. Okay. So you so your two children being the beneficiaries? Yep. Okay. Well, we'll make sure those forms are included in the pack for you. The next couple of pages cover off on why you should establish a will and a power of attorney, which we talked through in our review. That's in there just to give you the information there. Page 33 is our ongoing services. So this is by being a client what you receive from us. Like I mentioned, you're not limited to your one annual review a year. We have an ongoing relationship. So as you need advice or if all things change, you just reach out, and we're that's what we're here for to provide advice. The important information is it just outlines the next steps, your reviews. So participate in your reviews because, you know, like we did this year, we got a lot we're we're ticking a lot of boxes off. Product disclosure statements, which I'll talk to in a second, our privacy policy. So they're the all the important little bits of documentation that you need to be able to refer to. The next page is remuneration, so our fees. Our fee, again, hasn't changed from when we spoke last time. I mean, the dollar fee might have changed a little bit depending on the balance, but it's 1.65%. So ongoing, it would be $3,039 per year, and then that's divided by 12 and paid monthly. The next page is the authority to proceed. So that just gives you a very high level overview of what all those things are that we just spoke about and what page number you can refer to it. And the next page again is just a very quick summary of the remuneration. So that same figure again paid by your super and then the steps to implement our advice that we will take. Then the next page is the signature page. You'll notice in that there's a large empty area. If you don't wanna proceed with any of our advice, so let's say, for example, you decided I I don't want to roll over my q supra. I wanna leave it where it is and just see how things go. You would write that in that section. So any changes, you'd write in that section or something you didn't wanna proceed with, and then you'd sign it. If you wanted to go ahead with all of it, you'd just sign it and put nothing in that section. Any questions about the advice document? No? Okay. The next the next document is the appendix to the statement of advice. So the first page and the second page is, again, a cover page and a table of contents. The third page is a breakdown of risk profiles. So So you've got your gross sitting in the mid middle there. And, again, that just shows you where we allocate most of your funds. So, again, 80% to gross, 20% to defensive, and then breaks it down where we would typically invest across the different sectors. Important relationships and information. So the content of the SOA is just based on the information you've given me. The currency of the SOA is sixty days from the date of the SOA. No product guarantee. So like anything, we don't say that it's going to perform and do 20% and make promises that we can't keep, we just continue to review and make sure that everything remains on track and is in line with your goals. The next page is where you'll see links to the investment PDFs. So they're your investment funds that we've recommended in hub twenty four. So they're links to them if you would like to have a read of those. The next document explains how we calculate our investment return methodology, showing you that, it's not, overinflated, let's say. And then the last page, two pages cover off on what life insurance through superannuation is, which I'm I'm pretty confident you're all over because you've had it that way for many, many years. The next lot of documents in the pack is oh gosh. That's it. Because your financial services guide, we gave to you previously in our review, and the product disclosure statements will make sure that we get in the the hub twenty four ones emailed out to you, although they haven't changed since the last time you received them also. So after all that heavy information, do you have any questions, Sharon? No? And you're feeling okay about it all? Okay. Beautiful. So what I would suggest is if you wanna have a read over those documents, if you have any questions, reach out to me, and only when you are comfortable, sign those. We can then go through the implementation stage. So the team will then reach out to you to go through what forms need to be signed and walk you through that process. Alright. It was lovely speaking with you, Sharon. And if and when reading those documents, if you do have any questions, please just give me a call, and we can run through them. Alright. Well, do you have the day off today? Yes. Okay. And you're resting with your foot up? Oh, no. You're not zoned out enough to understand all we went through, was it? I understand that. I understand that. We'll take it so take some time to have a read of the document. And, again, any questions, just reach out to me. Oh, absolutely my pet pleasure, Sharon. Thank you so much, and I look forward to speaking to you again soon. Beautiful. Thanks, Sharon. Enjoy your day. Bye. Bye.","confidence":0.99902344,"words":[{"word":"good","start":2.8,"end":2.96,"confidence":1.0,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.36740684509277344},{"word":"morning","start":2.96,"end":3.36,"confidence":0.99853516,"punctuated_word":"morning,","sentiment":"positive","sentiment_score":0.40540069341659546},{"word":"sharon","start":3.36,"end":3.76,"confidence":0.99658203,"punctuated_word":"Sharon.","sentiment":"positive","sentiment_score":0.4330207407474518},{"word":"it's","start":3.76,"end":4.0,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4333357810974121},{"word":"jenna","start":4.0,"end":4.3199997,"confidence":0.98291016,"punctuated_word":"Jenna","sentiment":"neutral","sentiment_score":0.306948721408844},{"word":"here","start":4.3199997,"end":4.48,"confidence":0.99902344,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.35752633213996887},{"word":"from","start":4.48,"end":4.72,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.3285467326641083},{"word":"oakview","start":4.72,"end":5.2,"confidence":0.7546387,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.2794462740421295},{"word":"financial","start":5.2,"end":5.7,"confidence":0.99853516,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.2973162531852722},{"word":"how","start":5.8399997,"end":6.0,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.28965917229652405},{"word":"are","start":6.0,"end":6.16,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.26207607984542847},{"word":"you","start":6.16,"end":6.66,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.28564855456352234},{"word":"i'm","start":8.48,"end":8.8,"confidence":0.9921875,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5201245546340942},{"word":"good","start":8.8,"end":9.2,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.599794864654541},{"word":"thank","start":9.2,"end":9.5199995,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6925352215766907},{"word":"you","start":9.5199995,"end":10.0199995,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.572173535823822},{"word":"just","start":10.639999,"end":10.88,"confidence":0.96972656,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.15114326775074005},{"word":"before","start":10.88,"end":11.28,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.07282187044620514},{"word":"i","start":11.28,"end":11.36,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09256908297538756},{"word":"go","start":11.36,"end":11.5199995,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0929918959736824},{"word":"any","start":11.5199995,"end":11.759999,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08198232203722},{"word":"further","start":11.759999,"end":12.08,"confidence":0.99902344,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.027498852461576465},{"word":"i","start":12.08,"end":12.24,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.023738469928503036},{"word":"just","start":12.24,"end":12.48,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04638019949197769},{"word":"need","start":12.48,"end":12.639999,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.04807348549365997},{"word":"to","start":12.639999,"end":12.799999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05117584392428398},{"word":"let","start":12.799999,"end":13.04,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.05458751320838928},{"word":"you","start":13.04,"end":13.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05000169575214386},{"word":"know","start":13.2,"end":13.5199995,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.051856886595487595},{"word":"that","start":13.5199995,"end":13.759999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03711732476949692},{"word":"our","start":13.759999,"end":13.92,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.02964099682867527},{"word":"calls","start":13.92,"end":14.24,"confidence":0.99902344,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.06693820655345917},{"word":"are","start":14.24,"end":14.4,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.053611598908901215},{"word":"recorded","start":14.4,"end":14.799999,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.06291516125202179},{"word":"for","start":14.799999,"end":14.96,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.039856042712926865},{"word":"quality","start":14.96,"end":15.28,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.05282549187541008},{"word":"and","start":15.28,"end":15.525,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03439613804221153},{"word":"coaching","start":15.605,"end":16.005,"confidence":1.0,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.06929083913564682},{"word":"purposes","start":16.005,"end":16.484999,"confidence":0.99902344,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.04780822619795799},{"word":"is","start":16.484999,"end":16.645,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06404777616262436},{"word":"that","start":16.645,"end":16.965,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08645647764205933},{"word":"okay","start":16.965,"end":17.465,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.06339257210493088},{"word":"thank","start":19.285,"end":19.525,"confidence":0.98828125,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5721849799156189},{"word":"you","start":19.525,"end":20.025,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4332207441329956},{"word":"and","start":20.564999,"end":21.045,"confidence":0.9851074,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.12160871922969818},{"word":"sharon","start":21.045,"end":21.545,"confidence":0.9975586,"punctuated_word":"Sharon,","sentiment":"neutral","sentiment_score":0.1073882207274437},{"word":"can","start":21.685,"end":21.925,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08558505028486252},{"word":"i","start":21.925,"end":22.164999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07797794044017792},{"word":"please","start":22.164999,"end":22.564999,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.06217733770608902},{"word":"ask","start":22.564999,"end":22.884998,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.08166640251874924},{"word":"you","start":22.884998,"end":23.045,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06955233216285706},{"word":"to","start":23.045,"end":23.285,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07968330383300781},{"word":"confirm","start":23.285,"end":23.785,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.07272632420063019},{"word":"your","start":23.925,"end":24.404999,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05353381857275963},{"word":"full","start":24.404999,"end":24.645,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.07910874485969543},{"word":"name","start":24.645,"end":25.044998,"confidence":0.99194336,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.05707758665084839},{"word":"date","start":25.044998,"end":25.285,"confidence":0.99316406,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.07153189927339554},{"word":"of","start":25.285,"end":25.445,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07118815183639526},{"word":"birth","start":25.445,"end":25.845,"confidence":0.9951172,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.06926524639129639},{"word":"and","start":25.845,"end":26.085,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05181354656815529},{"word":"address","start":26.085,"end":26.585,"confidence":0.9951172,"punctuated_word":"address?","sentiment":"neutral","sentiment_score":0.06258504092693329},{"word":"thank","start":35.37,"end":35.69,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.3948712050914765},{"word":"you","start":35.69,"end":35.85,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4302276372909546},{"word":"for","start":35.85,"end":36.09,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.478356271982193},{"word":"confirming","start":36.09,"end":36.59,"confidence":1.0,"punctuated_word":"confirming","sentiment":"positive","sentiment_score":0.4415383040904999},{"word":"that","start":36.73,"end":37.23,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4361109137535095},{"word":"how","start":37.85,"end":38.010002,"confidence":0.99609375,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.39154183864593506},{"word":"are","start":38.010002,"end":38.17,"confidence":0.75390625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.32883381843566895},{"word":"you","start":38.17,"end":38.33,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3017706871032715},{"word":"doing","start":38.33,"end":38.57,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2615492343902588},{"word":"today","start":38.57,"end":39.07,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.2506624460220337},{"word":"yeah","start":41.690002,"end":42.17,"confidence":0.9326172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005303798243403435},{"word":"how","start":42.17,"end":42.33,"confidence":0.99609375,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.00848899781703949},{"word":"did","start":42.33,"end":42.489998,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.005536265671253204},{"word":"the","start":42.489998,"end":42.65,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023736074566841125},{"word":"return","start":42.65,"end":43.05,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.02044032141566277},{"word":"to","start":43.05,"end":43.21,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021164800971746445},{"word":"work","start":43.21,"end":43.425,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.0016379840672016144},{"word":"go","start":43.425,"end":43.925,"confidence":0.99853516,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":-0.0024129413068294525},{"word":"yes","start":49.585,"end":50.085,"confidence":0.9707031,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.024298693984746933},{"word":"and","start":50.305,"end":50.545,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.025344055145978928},{"word":"did","start":50.545,"end":50.704998,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.013058271259069444},{"word":"you","start":50.704998,"end":50.945,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05530139431357384},{"word":"manage","start":50.945,"end":51.425,"confidence":0.9941406,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.053199030458927155},{"word":"that","start":51.425,"end":51.665,"confidence":0.9375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06557247042655945},{"word":"okay","start":51.665,"end":52.065,"confidence":0.99121094,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.0875031054019928},{"word":"and","start":52.065,"end":52.305,"confidence":0.42358398,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13003046810626984},{"word":"the","start":52.305,"end":52.465,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1013091802597046},{"word":"specialist","start":52.465,"end":52.965,"confidence":0.9819336,"punctuated_word":"specialist","sentiment":"neutral","sentiment_score":0.07792959362268448},{"word":"happy","start":53.024998,"end":53.345,"confidence":0.96240234,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.07821665704250336},{"word":"with","start":53.345,"end":53.585,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03292141854763031},{"word":"it","start":53.585,"end":54.085,"confidence":0.9880371,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.011813657358288763},{"word":"yes","start":64.1,"end":64.6,"confidence":0.96850586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0024582762271165848},{"word":"yep","start":64.82,"end":65.32,"confidence":0.9741211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0023015192709863186},{"word":"yeah","start":71.38,"end":71.88,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009979616850614548},{"word":"and","start":72.915,"end":73.315,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.012031320482492449},{"word":"better","start":73.315,"end":73.715004,"confidence":0.4091797,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.010558605194091795},{"word":"better","start":73.715004,"end":74.115005,"confidence":0.7470703,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.0034626945853233337},{"word":"you","start":74.115005,"end":74.195,"confidence":0.66503906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018625840544700623},{"word":"do","start":75.155,"end":75.475,"confidence":0.57177734,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01720781996846199},{"word":"you","start":75.475,"end":75.635,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03977373242378235},{"word":"manage","start":75.635,"end":76.035,"confidence":0.69384766,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.0665690004825592},{"word":"to","start":76.035,"end":76.195,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0608329102396965},{"word":"get","start":76.195,"end":76.355,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06168406456708908},{"word":"the","start":76.355,"end":76.515,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03369110822677612},{"word":"swelling","start":76.515,"end":77.015,"confidence":0.9873047,"punctuated_word":"swelling","sentiment":"neutral","sentiment_score":0.06944556534290314},{"word":"down","start":77.075005,"end":77.575005,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.043885037302970886},{"word":"and","start":78.195,"end":78.355,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04894125461578369},{"word":"and","start":78.355,"end":78.675,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04933537542819977},{"word":"get","start":78.675,"end":78.835,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05593720078468323},{"word":"it","start":78.835,"end":79.075005,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04306952655315399},{"word":"comfortable","start":79.075005,"end":79.555,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.008292905986309052},{"word":"again","start":79.555,"end":79.875,"confidence":0.9980469,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.05163303762674332},{"word":"once","start":79.875,"end":80.195,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.041907258331775665},{"word":"you","start":80.195,"end":80.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016413025557994843},{"word":"get","start":80.275,"end":80.595,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.010462559759616852},{"word":"home","start":80.595,"end":81.095,"confidence":0.9921875,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":0.009528407827019691},{"word":"yeah","start":87.555,"end":87.9,"confidence":0.9897461,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01904397085309029},{"word":"but","start":88.22,"end":88.380005,"confidence":0.9375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.020942211151123047},{"word":"are","start":88.380005,"end":88.78,"confidence":0.9223633,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02108614519238472},{"word":"are","start":88.78,"end":88.94,"confidence":0.8120117,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.020265106111764908},{"word":"you","start":88.94,"end":89.1,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014676380902528765},{"word":"managing","start":89.1,"end":89.5,"confidence":0.99609375,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":-0.04584825038909912},{"word":"it","start":89.5,"end":89.74,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.025441620498895645},{"word":"okay","start":89.74,"end":90.24,"confidence":0.9980469,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":-0.012857897207140924},{"word":"okay","start":92.14,"end":92.64,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.022160042077302933},{"word":"well","start":92.700005,"end":93.020004,"confidence":0.9892578,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.08136723190546036},{"word":"that","start":93.020004,"end":93.26,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14274010062217712},{"word":"that's","start":93.340004,"end":93.66,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.20159876346588135},{"word":"good","start":93.66,"end":93.9,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2828942835330963},{"word":"to","start":93.9,"end":93.98,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2756028473377228},{"word":"hear","start":93.98,"end":94.22,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.3087831735610962},{"word":"because","start":94.22,"end":94.54,"confidence":0.4645996,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1500861942768097},{"word":"i","start":94.54,"end":94.700005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17021292448043823},{"word":"know","start":94.700005,"end":94.94,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.13695800304412842},{"word":"our","start":94.94,"end":95.1,"confidence":0.9921875,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.10195843875408173},{"word":"last","start":95.1,"end":95.340004,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07054538279771805},{"word":"couple","start":95.340004,"end":95.74,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.025540493428707123},{"word":"of","start":95.74,"end":95.9,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0024587661027908325},{"word":"conversations","start":95.9,"end":96.4,"confidence":0.9980469,"punctuated_word":"conversations","sentiment":"neutral","sentiment_score":0.04774671047925949},{"word":"has","start":99.1,"end":99.26,"confidence":0.46118164,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.04525173455476761},{"word":"been","start":99.26,"end":99.76,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.016799896955490112},{"word":"very","start":100.3,"end":100.8,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.09539681673049928},{"word":"take","start":102.135,"end":102.635,"confidence":0.5644531,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.02584254741668701},{"word":"toll","start":103.174995,"end":103.494995,"confidence":0.97998047,"punctuated_word":"toll","sentiment":"neutral","sentiment_score":0.0014711692929267883},{"word":"taking","start":103.494995,"end":103.975,"confidence":0.9941406,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.012672469019889832},{"word":"on","start":103.975,"end":104.215,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.038013018667697906},{"word":"you","start":104.215,"end":104.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03388760983943939},{"word":"because","start":104.854996,"end":105.174995,"confidence":0.97802734,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04396554082632065},{"word":"of","start":105.174995,"end":105.335,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08293915539979935},{"word":"everything","start":105.335,"end":105.655,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.011181429028511047},{"word":"that","start":105.655,"end":105.815,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008167445659637451},{"word":"you've","start":105.815,"end":106.135,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.004324210342019796},{"word":"been","start":106.135,"end":106.375,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.010859660804271698},{"word":"going","start":106.375,"end":106.695,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.003993190824985504},{"word":"through","start":106.695,"end":107.015,"confidence":0.9724121,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.03313563019037247},{"word":"so","start":107.015,"end":107.174995,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0617898628115654},{"word":"i","start":107.174995,"end":107.335,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11299694329500198},{"word":"just","start":107.335,"end":107.575,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10193978995084764},{"word":"wanted","start":107.575,"end":107.815,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.08201109617948532},{"word":"to","start":107.815,"end":107.975,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1262197643518448},{"word":"check","start":107.975,"end":108.215,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.17560550570487976},{"word":"and","start":108.215,"end":108.375,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10982153564691544},{"word":"make","start":108.375,"end":108.615,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11033982038497923},{"word":"sure","start":108.615,"end":108.854996,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.14113833010196686},{"word":"that","start":108.854996,"end":109.095,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12156197428703308},{"word":"you're","start":109.095,"end":109.255,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1295156329870224},{"word":"doing","start":109.255,"end":109.655,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1801213175058365},{"word":"okay","start":109.655,"end":110.134995,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.12979912757873535},{"word":"now","start":110.134995,"end":110.634995,"confidence":0.99902344,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.076608806848526},{"word":"yeah","start":112.775,"end":113.275,"confidence":0.810791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1640709489583969},{"word":"you","start":113.415,"end":113.575,"confidence":0.8305664,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2034117877483368},{"word":"are","start":113.735,"end":113.895,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17854604125022888},{"word":"you","start":113.895,"end":114.134995,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16825005412101746},{"word":"feeling","start":114.134995,"end":114.455,"confidence":1.0,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":0.18462058901786804},{"word":"a","start":114.455,"end":114.615,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17179659008979797},{"word":"bit","start":114.615,"end":114.854996,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09373757988214491},{"word":"better","start":114.854996,"end":115.354996,"confidence":0.9995117,"punctuated_word":"better?","sentiment":"neutral","sentiment_score":0.14778593182563782},{"word":"oh","start":118.43,"end":118.67,"confidence":0.98999023,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.28034108877182007},{"word":"good","start":118.67,"end":119.17,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3445813059806824},{"word":"i'm","start":119.23,"end":119.47,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.34274810552597046},{"word":"so","start":119.47,"end":119.71,"confidence":0.9892578,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.296206533908844},{"word":"i'm","start":119.71,"end":119.950005,"confidence":0.99560547,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5919579863548279},{"word":"so","start":119.950005,"end":120.270004,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.683083713054657},{"word":"pleased","start":120.270004,"end":120.67,"confidence":0.99902344,"punctuated_word":"pleased","sentiment":"positive","sentiment_score":0.6788015961647034},{"word":"to","start":120.67,"end":120.75,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6682195067405701},{"word":"hear","start":120.75,"end":120.99,"confidence":1.0,"punctuated_word":"hear","sentiment":"positive","sentiment_score":0.7047152519226074},{"word":"that","start":120.99,"end":121.49,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6851286888122559},{"word":"okay","start":123.87,"end":124.37,"confidence":0.97631836,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02236066199839115},{"word":"well","start":124.43,"end":124.83,"confidence":0.9995117,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.04937174543738365},{"word":"the","start":124.83,"end":124.99,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05509244278073311},{"word":"purpose","start":124.99,"end":125.47,"confidence":1.0,"punctuated_word":"purpose","sentiment":"neutral","sentiment_score":0.1122400090098381},{"word":"of","start":125.47,"end":125.71,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0969092920422554},{"word":"my","start":125.71,"end":125.87,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.09608043730258942},{"word":"call","start":125.87,"end":126.19,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.12533093988895416},{"word":"today","start":126.19,"end":126.67,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.1249888241291046},{"word":"was","start":126.67,"end":126.91,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06684251874685287},{"word":"just","start":126.91,"end":127.41,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07918041944503784},{"word":"to","start":127.79,"end":127.95,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07296023517847061},{"word":"have","start":127.95,"end":128.11,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08987434953451157},{"word":"a","start":128.11,"end":128.27,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0982176959514618},{"word":"quick","start":128.27,"end":128.59,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.10771843045949936},{"word":"chat","start":128.59,"end":128.99,"confidence":0.99902344,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.14684918522834778},{"word":"and","start":128.99,"end":129.15,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1123397946357727},{"word":"a","start":129.15,"end":129.31,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14199072122573853},{"word":"check-in","start":129.31,"end":129.81,"confidence":0.9983724,"punctuated_word":"check-in","sentiment":"neutral","sentiment_score":0.08548992872238159},{"word":"to","start":129.87,"end":130.03,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08795618265867233},{"word":"go","start":130.03,"end":130.395,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09168726205825806},{"word":"through","start":130.55501,"end":130.875,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10047571361064912},{"word":"a","start":130.875,"end":131.035,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11182725429534912},{"word":"document","start":131.035,"end":131.515,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.09629106521606444},{"word":"that","start":131.515,"end":131.675,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12450939416885376},{"word":"i","start":131.675,"end":132.075,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12587203085422516},{"word":"sent","start":132.075,"end":132.315,"confidence":0.99902344,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.10001557320356368},{"word":"you","start":132.315,"end":132.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14490878582000732},{"word":"a","start":132.475,"end":132.63501,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1026252880692482},{"word":"little","start":132.63501,"end":132.875,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07501442730426788},{"word":"earlier","start":132.875,"end":133.375,"confidence":0.99853516,"punctuated_word":"earlier.","sentiment":"neutral","sentiment_score":0.07610394805669785},{"word":"i","start":133.755,"end":133.91501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03594422712922096},{"word":"don't","start":133.91501,"end":134.075,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0007593370974063873},{"word":"know","start":134.075,"end":134.235,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.021967440843582153},{"word":"if","start":134.235,"end":134.395,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.011142117902636528},{"word":"you've","start":134.395,"end":134.55501,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.00420707743614912},{"word":"seen","start":134.55501,"end":134.795,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.0012464560568332672},{"word":"that","start":134.795,"end":134.955,"confidence":0.50439453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04483526945114136},{"word":"pop","start":134.955,"end":135.27501,"confidence":0.9970703,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.06474308669567108},{"word":"up","start":135.27501,"end":135.515,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0349806509912014},{"word":"on","start":135.515,"end":135.675,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01981041580438614},{"word":"your","start":135.675,"end":136.155,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.048969052731990814},{"word":"email","start":136.155,"end":136.655,"confidence":0.75268555,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.02098977193236351},{"word":"but","start":137.195,"end":137.435,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02969525009393692},{"word":"it's","start":137.435,"end":137.755,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07885304093360901},{"word":"a","start":137.755,"end":138.255,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10296567529439926},{"word":"statement","start":139.195,"end":139.595,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.16570717096328735},{"word":"of","start":139.595,"end":139.755,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14697080850601196},{"word":"advice","start":139.755,"end":140.235,"confidence":0.95532227,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.06436118483543396},{"word":"so","start":140.235,"end":140.395,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0424533374607563},{"word":"it's","start":140.395,"end":140.55501,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07248541712760925},{"word":"just","start":140.55501,"end":140.795,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.062497444450855255},{"word":"it's","start":140.955,"end":141.195,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08196572959423065},{"word":"to","start":141.195,"end":141.35501,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06587231904268265},{"word":"go","start":141.35501,"end":141.515,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06821547448635101},{"word":"through","start":141.515,"end":141.835,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10556600242853165},{"word":"those","start":141.835,"end":142.155,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.10296934843063354},{"word":"changes","start":142.155,"end":142.63501,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.06214575469493866},{"word":"that","start":142.63501,"end":142.795,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11498183757066728},{"word":"we","start":142.795,"end":143.035,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09869201481342316},{"word":"talked","start":143.035,"end":143.27501,"confidence":0.9970703,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.09611091017723083},{"word":"about","start":143.27501,"end":143.755,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13413798809051514},{"word":"on","start":143.755,"end":143.91501,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09183278679847716},{"word":"the","start":143.91501,"end":144.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08404980599880219},{"word":"phone","start":144.075,"end":144.315,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.06927518546581268},{"word":"in","start":144.315,"end":144.55501,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06688418984413147},{"word":"our","start":144.55501,"end":144.715,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0867898017168045},{"word":"last","start":144.715,"end":145.215,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.053577546030282974},{"word":"meetings","start":145.515,"end":146.015,"confidence":0.9597168,"punctuated_word":"meetings,","sentiment":"neutral","sentiment_score":0.04066958278417587},{"word":"particularly","start":146.61,"end":146.92,"confidence":0.99316406,"punctuated_word":"particularly","sentiment":"neutral","sentiment_score":0.05022040754556656},{"word":"your","start":146.92,"end":147.23,"confidence":0.89990234,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03579507768154144},{"word":"in","start":147.54,"end":147.85,"confidence":0.92333984,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04014778137207031},{"word":"your","start":147.85,"end":148.16,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04044536128640175},{"word":"review","start":148.16,"end":148.47,"confidence":0.9597168,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.024884216487407684},{"word":"do","start":148.47,"end":148.78,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0003344528377056122},{"word":"you","start":148.78,"end":149.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015782538801431656},{"word":"have","start":149.09,"end":149.33,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.001637570559978485},{"word":"some","start":149.33,"end":149.56999,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.005323126912117004},{"word":"time","start":149.56999,"end":149.81,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.00974702090024948},{"word":"to","start":149.81,"end":149.89,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009893346577882768},{"word":"go","start":149.89,"end":150.12999,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.013673637062311172},{"word":"through","start":150.12999,"end":150.37,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.021580610424280167},{"word":"that","start":150.37,"end":150.53,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029679663479328156},{"word":"now","start":150.53,"end":151.03,"confidence":1.0,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.020967695862054825},{"word":"it","start":158.20999,"end":158.37,"confidence":0.9038086,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.025301165878772736},{"word":"woulda","start":158.37,"end":158.805,"confidence":0.5629883,"punctuated_word":"woulda.","sentiment":"neutral","sentiment_score":0.030658844858407978},{"word":"it","start":159.20499,"end":159.28499,"confidence":0.67285156,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.016845280304551125},{"word":"may","start":159.28499,"end":159.525,"confidence":0.9013672,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.007253527641296387},{"word":"come","start":159.525,"end":159.765,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.018593600019812584},{"word":"from","start":159.765,"end":160.08499,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0007141567766666412},{"word":"jenna","start":160.08499,"end":160.405,"confidence":0.59814453,"punctuated_word":"Jenna","sentiment":"neutral","sentiment_score":0.007646411657333374},{"word":"wheeler","start":160.405,"end":160.885,"confidence":0.9980469,"punctuated_word":"Wheeler","sentiment":"neutral","sentiment_score":0.013452361337840555},{"word":"or","start":160.885,"end":161.20499,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01755261793732643},{"word":"odoo","start":161.20499,"end":161.70499,"confidence":0.5239258,"punctuated_word":"Odoo","sentiment":"neutral","sentiment_score":0.02350474148988724},{"word":"sign","start":161.765,"end":162.265,"confidence":0.8066406,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":0.01206738967448473},{"word":"yeah","start":187.55501,"end":187.875,"confidence":0.9182129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05546629801392555},{"word":"okay","start":187.875,"end":188.195,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.060969166457653046},{"word":"so","start":188.195,"end":188.515,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.030840780586004257},{"word":"same","start":188.515,"end":188.835,"confidence":0.9892578,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.053882986307144165},{"word":"process","start":188.835,"end":189.235,"confidence":0.9550781,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.030476126819849014},{"word":"as","start":189.235,"end":189.475,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06240849196910858},{"word":"before","start":189.475,"end":189.975,"confidence":0.91186523,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.03608233109116554},{"word":"you're","start":190.675,"end":190.91501,"confidence":0.84765625,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.07326029241085052},{"word":"not","start":190.91501,"end":191.155,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14361894130706787},{"word":"signing","start":191.155,"end":191.55501,"confidence":0.9921875,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":-0.1667148619890213},{"word":"anything","start":191.55501,"end":192.035,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.30706170201301575},{"word":"right","start":192.035,"end":192.27501,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.26442673802375793},{"word":"now","start":192.27501,"end":192.755,"confidence":0.9946289,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.2692657709121704},{"word":"we're","start":192.755,"end":192.99501,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.05693017691373825},{"word":"just","start":192.99501,"end":193.155,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.007464855909347534},{"word":"gonna","start":193.155,"end":193.475,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0032326988875865936},{"word":"talk","start":193.475,"end":193.875,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.009043022990226746},{"word":"through","start":193.875,"end":194.115,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04410234838724136},{"word":"it","start":194.115,"end":194.615,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.005210652947425842},{"word":"so","start":195.235,"end":195.395,"confidence":0.9716797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10526232421398164},{"word":"if","start":195.395,"end":195.63501,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11634918302297592},{"word":"you","start":195.63501,"end":195.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09407789260149002},{"word":"open","start":195.875,"end":196.195,"confidence":0.99902344,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.08082525432109833},{"word":"that","start":196.195,"end":196.43501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10381614416837692},{"word":"up","start":196.43501,"end":196.93501,"confidence":0.99902344,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.10183373093605042},{"word":"we","start":196.99501,"end":197.235,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14562951028347015},{"word":"i","start":197.395,"end":197.55501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2242203950881958},{"word":"will","start":197.55501,"end":197.79501,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1663411557674408},{"word":"talk","start":197.79501,"end":198.24,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.13929666578769684},{"word":"through","start":199.20001,"end":199.44,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21859239041805267},{"word":"the","start":199.44,"end":199.76001,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2517445683479309},{"word":"lovely","start":199.76001,"end":200.26001,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.450908899307251},{"word":"document","start":200.32,"end":200.82,"confidence":1.0,"punctuated_word":"document","sentiment":"positive","sentiment_score":0.465208113193512},{"word":"that","start":201.28,"end":201.36,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4596802294254303},{"word":"is","start":201.36,"end":201.86,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4608847498893738},{"word":"in","start":202.24,"end":202.48001,"confidence":0.88720703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4318143427371979},{"word":"front","start":202.48001,"end":202.72,"confidence":1.0,"punctuated_word":"front","sentiment":"positive","sentiment_score":0.4317699670791626},{"word":"of","start":202.72,"end":202.88,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4194120764732361},{"word":"you","start":202.88,"end":203.38,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.21817998588085177},{"word":"so","start":205.76001,"end":206.26001,"confidence":0.9267578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03383909910917282},{"word":"have","start":206.48001,"end":206.72,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02446075901389122},{"word":"you","start":206.72,"end":206.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013098329305648804},{"word":"got","start":206.8,"end":206.96,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.017886437475681305},{"word":"that","start":206.96,"end":207.20001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021045878529548645},{"word":"opened","start":207.20001,"end":207.70001,"confidence":0.82373047,"punctuated_word":"opened?","sentiment":"neutral","sentiment_score":0.01278061792254448},{"word":"you","start":211.28,"end":211.44,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.04748286306858063},{"word":"just","start":211.44,"end":211.6,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05082051828503609},{"word":"let","start":211.6,"end":211.84001,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.04242092743515968},{"word":"me","start":211.84001,"end":211.92,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.041232213377952576},{"word":"know","start":211.92,"end":212.08,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.03210178390145302},{"word":"when","start":212.08,"end":212.24,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.027691278606653217},{"word":"you've","start":212.24,"end":212.40001,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03199833631515503},{"word":"got","start":212.40001,"end":212.56,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.02597651444375515},{"word":"that","start":212.56,"end":212.64,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04405970871448517},{"word":"opened","start":212.64,"end":212.96,"confidence":0.7055664,"punctuated_word":"opened","sentiment":"neutral","sentiment_score":0.021987035870552063},{"word":"and","start":212.96,"end":213.12001,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01665266789495945},{"word":"when","start":213.12001,"end":213.28,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01267295517027378},{"word":"you're","start":213.28,"end":213.645,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04482764005661011},{"word":"ready","start":214.685,"end":215.185,"confidence":0.9970703,"punctuated_word":"ready.","sentiment":"neutral","sentiment_score":0.26246029138565063},{"word":"beautiful","start":215.565,"end":216.065,"confidence":0.93652344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7051010131835938},{"word":"thank","start":216.205,"end":216.445,"confidence":0.9902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7348447442054749},{"word":"you","start":216.445,"end":216.945,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6409468650817871},{"word":"so","start":217.005,"end":217.16501,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17479780316352844},{"word":"the","start":217.16501,"end":217.405,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16690465807914734},{"word":"first","start":217.405,"end":217.725,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.14682228863239288},{"word":"page","start":217.725,"end":218.125,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1268322467803955},{"word":"would","start":218.125,"end":218.445,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.12814700603485107},{"word":"be","start":218.445,"end":218.52501,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08088874071836472},{"word":"a","start":218.52501,"end":218.685,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0633866935968399},{"word":"stay","start":218.685,"end":218.925,"confidence":0.3803711,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.0630795881152153},{"word":"it's","start":219.16501,"end":219.325,"confidence":0.9362793,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08721926063299179},{"word":"a","start":219.325,"end":219.565,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1141972914338112},{"word":"cover","start":219.565,"end":219.88501,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.08756213635206223},{"word":"page","start":219.88501,"end":220.205,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.11897417157888412},{"word":"saying","start":220.205,"end":220.52501,"confidence":0.98828125,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.1259581297636032},{"word":"it's","start":220.52501,"end":220.685,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1109868735074997},{"word":"your","start":220.685,"end":220.845,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1179393231868744},{"word":"statement","start":220.845,"end":221.325,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.19951249659061432},{"word":"of","start":221.325,"end":221.565,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15014086663722992},{"word":"advice","start":221.565,"end":222.065,"confidence":0.9951172,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.12616300582885742},{"word":"it","start":224.285,"end":224.60501,"confidence":0.8701172,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1627642810344696},{"word":"explains","start":224.60501,"end":225.10501,"confidence":0.99609375,"punctuated_word":"explains","sentiment":"neutral","sentiment_score":0.1444714367389679},{"word":"that","start":225.16501,"end":225.405,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15761232376098633},{"word":"i'm","start":225.405,"end":225.565,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09544231742620468},{"word":"the","start":225.565,"end":225.645,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0813266709446907},{"word":"one","start":225.645,"end":225.965,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14056235551834106},{"word":"providing","start":225.965,"end":226.465,"confidence":0.99609375,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.1307196021080017},{"word":"advice","start":226.52501,"end":227.02501,"confidence":0.9760742,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.17182224988937378},{"word":"to","start":227.085,"end":227.16501,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16168347001075745},{"word":"you","start":227.16501,"end":227.66501,"confidence":0.91918945,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.15341567993164062},{"word":"what","start":227.88501,"end":228.125,"confidence":0.97509766,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1476527750492096},{"word":"my","start":228.125,"end":228.51,"confidence":0.88427734,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1278645545244217},{"word":"authorized","start":228.67,"end":228.98999,"confidence":0.93603516,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.12593495845794678},{"word":"representative","start":228.98999,"end":229.48999,"confidence":1.0,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.07626309990882874},{"word":"number","start":229.70999,"end":229.95,"confidence":0.9980469,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.0945398360490799},{"word":"is","start":229.95,"end":230.18999,"confidence":0.90283203,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.12110046297311784},{"word":"and","start":230.18999,"end":230.43,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08854157477617264},{"word":"who","start":230.43,"end":230.59,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.06267215311527252},{"word":"i","start":230.59,"end":230.75,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07998345792293549},{"word":"work","start":230.75,"end":230.98999,"confidence":0.99609375,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.07086170464754105},{"word":"for","start":230.98999,"end":231.15,"confidence":0.9675293,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.13909125328063965},{"word":"which","start":231.15,"end":231.47,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.14589712023735046},{"word":"is","start":231.47,"end":231.62999,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11442922055721284},{"word":"oakview","start":231.62999,"end":232.12999,"confidence":0.5657959,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.09223982691764832},{"word":"financial","start":232.18999,"end":232.68999,"confidence":0.9951172,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.08842527121305466},{"word":"the","start":234.90999,"end":235.15,"confidence":0.5727539,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.05630563944578171},{"word":"second","start":235.15,"end":235.62999,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.05483999848365784},{"word":"page","start":235.62999,"end":236.12999,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.04794418439269066},{"word":"is","start":236.98999,"end":237.31,"confidence":0.8569336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.061572473496198654},{"word":"explains","start":237.70999,"end":238.20999,"confidence":0.9970703,"punctuated_word":"explains","sentiment":"neutral","sentiment_score":0.03886891528964043},{"word":"what","start":238.34999,"end":238.67,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04992061108350754},{"word":"this","start":238.67,"end":238.82999,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0665922462940216},{"word":"document","start":238.82999,"end":239.31,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.04906156659126282},{"word":"is","start":239.31,"end":239.47,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0425349585711956},{"word":"and","start":239.47,"end":239.62999,"confidence":0.86328125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08068424463272095},{"word":"that","start":239.62999,"end":239.87,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07983110100030899},{"word":"it's","start":239.87,"end":240.03,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08303280174732208},{"word":"valid","start":240.03,"end":240.43,"confidence":1.0,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.030097350478172306},{"word":"for","start":240.43,"end":240.615,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03112053871154785},{"word":"sixty","start":240.77501,"end":241.095,"confidence":1.0,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.04622543603181839},{"word":"days","start":241.095,"end":241.595,"confidence":0.97802734,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.05208037421107292},{"word":"the","start":241.815,"end":241.975,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.01200498640537262},{"word":"reason","start":241.975,"end":242.455,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.016844868659973145},{"word":"why","start":242.455,"end":242.93501,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.0014400258660316467},{"word":"we","start":242.93501,"end":243.175,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.023992888629436493},{"word":"have","start":243.175,"end":243.675,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.003849439322948456},{"word":"a","start":244.455,"end":244.695,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.038426898419857025},{"word":"time","start":244.695,"end":244.935,"confidence":0.9873047,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.047079503536224365},{"word":"frame","start":244.935,"end":245.255,"confidence":1.0,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":-0.03618071973323822},{"word":"on","start":245.255,"end":245.41501,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.030438147485256195},{"word":"how","start":245.41501,"end":245.655,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.032020822167396545},{"word":"long","start":245.655,"end":246.155,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.04334726929664612},{"word":"the","start":246.695,"end":247.015,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01143057644367218},{"word":"document","start":247.015,"end":247.41501,"confidence":0.9970703,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.0392061322927475},{"word":"is","start":247.41501,"end":247.57501,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0017717331647872925},{"word":"valid","start":247.57501,"end":247.895,"confidence":1.0,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":-0.018252328038215637},{"word":"for","start":247.895,"end":248.13501,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.016758710145950317},{"word":"is","start":248.13501,"end":248.63501,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00004854053258895874},{"word":"to","start":249.095,"end":249.255,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019272930920124057},{"word":"make","start":249.255,"end":249.49501,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.010315395891666412},{"word":"sure","start":249.49501,"end":249.815,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.028971612453460693},{"word":"that","start":249.815,"end":250.315,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03358984738588333},{"word":"if","start":250.535,"end":250.695,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0020259320735931396},{"word":"it","start":250.695,"end":250.85501,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.010602325201034546},{"word":"goes","start":250.85501,"end":251.255,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.04206404089927673},{"word":"outside","start":251.255,"end":251.655,"confidence":0.9980469,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.03932779282331467},{"word":"of","start":251.655,"end":251.895,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.001866273581981659},{"word":"that","start":251.895,"end":252.295,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00527423620223999},{"word":"time","start":252.295,"end":252.63,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.06968331336975098},{"word":"frame","start":253.59001,"end":253.99,"confidence":0.9812012,"punctuated_word":"frame,","sentiment":"neutral","sentiment_score":-0.019258730113506317},{"word":"sometimes","start":253.99,"end":254.49,"confidence":0.6923828,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.06265075504779816},{"word":"people's","start":254.79001,"end":255.19,"confidence":0.8786621,"punctuated_word":"people's","sentiment":"neutral","sentiment_score":-0.08964191377162933},{"word":"situations","start":255.19,"end":255.69,"confidence":0.9970703,"punctuated_word":"situations","sentiment":"neutral","sentiment_score":-0.14605481922626495},{"word":"can","start":255.83,"end":256.07,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.040146440267562866},{"word":"change","start":256.07,"end":256.47,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.11184465140104294},{"word":"quite","start":256.47,"end":256.71,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.10095006972551346},{"word":"quickly","start":256.71,"end":257.21,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.06538303196430206},{"word":"and","start":257.27002,"end":257.51,"confidence":0.8125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.042765527963638306},{"word":"that","start":257.51,"end":257.67,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01955828070640564},{"word":"we","start":257.67,"end":257.75,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02217477560043335},{"word":"just","start":257.75,"end":258.07,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.008900187909603119},{"word":"need","start":258.07,"end":258.31,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0038273483514785767},{"word":"to","start":258.31,"end":258.39,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002558603882789612},{"word":"review","start":258.39,"end":258.89,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.09026582539081572},{"word":"any","start":259.03,"end":259.35,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.02203589677810669},{"word":"information","start":259.35,"end":259.85,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.03139200806617737},{"word":"before","start":259.99,"end":260.39,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.013000920414924622},{"word":"the","start":260.39,"end":260.55002,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014537125825881958},{"word":"advice","start":260.55002,"end":260.95,"confidence":0.9199219,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.06644181907176971},{"word":"is","start":260.95,"end":261.19,"confidence":0.95703125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.014089539647102356},{"word":"proceeded","start":261.19,"end":261.59,"confidence":0.8598633,"punctuated_word":"proceeded","sentiment":"neutral","sentiment_score":0.026370126754045486},{"word":"with","start":261.59,"end":261.83002,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.012548163533210754},{"word":"again","start":261.83002,"end":262.07,"confidence":0.9897461,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.027105949819087986},{"word":"so","start":262.07,"end":262.31,"confidence":0.84033203,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.0447797067463398},{"word":"typically","start":262.31,"end":262.71,"confidence":0.9995117,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":0.052372194826602936},{"word":"we","start":262.71,"end":262.87,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.061657652258872986},{"word":"just","start":262.87,"end":263.37,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04757435619831085},{"word":"follow","start":263.83002,"end":264.15,"confidence":0.9838867,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":0.033631063997745514},{"word":"the","start":264.15,"end":264.23,"confidence":0.93603516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06751514226198196},{"word":"same","start":264.23,"end":264.55002,"confidence":0.94384766,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.08282116055488586},{"word":"process","start":264.55002,"end":264.885,"confidence":0.7871094,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.0593969002366066},{"word":"all","start":265.045,"end":265.285,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06220068037509918},{"word":"over","start":265.285,"end":265.785,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.07169851660728455},{"word":"again","start":266.96503,"end":267.46503,"confidence":1.0,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.060968149453401566},{"word":"the","start":268.64502,"end":268.80502,"confidence":0.8833008,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.08423087000846863},{"word":"it","start":269.125,"end":269.445,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08620922267436981},{"word":"outlines","start":269.445,"end":269.92502,"confidence":0.9951172,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.11141865700483322},{"word":"here","start":269.92502,"end":270.245,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.12959320843219757},{"word":"also","start":270.245,"end":270.64502,"confidence":0.99121094,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08755061775445938},{"word":"our","start":270.64502,"end":270.80502,"confidence":0.95703125,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06367787718772888},{"word":"best","start":270.80502,"end":271.125,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.05829421430826187},{"word":"interest","start":271.125,"end":271.52502,"confidence":0.98095703,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.12692353129386902},{"word":"duty","start":271.52502,"end":272.02502,"confidence":0.94555664,"punctuated_word":"duty.","sentiment":"neutral","sentiment_score":-0.011901809833943844},{"word":"so","start":272.405,"end":272.64502,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14422039687633514},{"word":"this","start":272.64502,"end":273.125,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1938909888267517},{"word":"is","start":273.125,"end":273.625,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19199258089065552},{"word":"to","start":273.765,"end":273.92502,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26538681983947754},{"word":"make","start":273.92502,"end":274.165,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17687787115573883},{"word":"sure","start":274.165,"end":274.48502,"confidence":0.99609375,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.23161540925502777},{"word":"that","start":274.48502,"end":274.98502,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29394352436065674},{"word":"it's","start":275.92502,"end":276.08502,"confidence":0.9277344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.27882128953933716},{"word":"a","start":276.08502,"end":276.245,"confidence":0.97509766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26379579305648804},{"word":"legislative","start":276.245,"end":276.745,"confidence":0.8803711,"punctuated_word":"legislative","sentiment":"neutral","sentiment_score":0.14432843029499054},{"word":"standard","start":277.06,"end":277.38,"confidence":0.9941406,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.14392633736133575},{"word":"to","start":277.38,"end":277.54,"confidence":0.8598633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17646253108978271},{"word":"make","start":277.54,"end":277.69998,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.20362262427806857},{"word":"sure","start":277.69998,"end":277.86,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2873240113258362},{"word":"that","start":277.86,"end":278.02,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31111055612564087},{"word":"we","start":278.02,"end":278.18,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23484431207180023},{"word":"act","start":278.18,"end":278.41998,"confidence":0.9873047,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.1872430294752121},{"word":"in","start":278.41998,"end":278.58,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3818893134593963},{"word":"our","start":278.58,"end":278.74,"confidence":0.99902344,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.3864865303039551},{"word":"client's","start":278.74,"end":279.13998,"confidence":0.85498047,"punctuated_word":"client's","sentiment":"neutral","sentiment_score":0.321077823638916},{"word":"best","start":279.13998,"end":279.46,"confidence":0.9838867,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.23532286286354065},{"word":"best","start":279.46,"end":279.78,"confidence":0.8305664,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.27936187386512756},{"word":"interests","start":279.78,"end":280.28,"confidence":0.5541992,"punctuated_word":"interests","sentiment":"neutral","sentiment_score":0.2698727250099182},{"word":"at","start":280.34,"end":280.5,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.27541184425354004},{"word":"all","start":280.5,"end":280.74,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.22042198479175568},{"word":"times","start":280.74,"end":281.13998,"confidence":0.91015625,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.2449287325143814},{"word":"so","start":281.13998,"end":281.3,"confidence":0.47485352,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2267070710659027},{"word":"we","start":281.3,"end":281.69998,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24596256017684937},{"word":"identify","start":281.69998,"end":282.19998,"confidence":1.0,"punctuated_word":"identify","sentiment":"neutral","sentiment_score":0.2202284336090088},{"word":"your","start":282.41998,"end":282.74,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1890635043382645},{"word":"financial","start":282.74,"end":283.24,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.1192713975906372},{"word":"situations","start":283.3,"end":283.78,"confidence":0.96875,"punctuated_word":"situations","sentiment":"neutral","sentiment_score":0.16659078001976013},{"word":"and","start":283.78,"end":283.94,"confidence":0.99609375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34453463554382324},{"word":"needs","start":283.94,"end":284.25998,"confidence":0.9741211,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.16210989654064178},{"word":"for","start":284.25998,"end":284.41998,"confidence":0.63183594,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17491815984249115},{"word":"the","start":284.41998,"end":284.58,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24998438358306885},{"word":"individual","start":284.58,"end":285.08,"confidence":0.99902344,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.2087143361568451},{"word":"to","start":285.22,"end":285.3,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29649078845977783},{"word":"you","start":285.3,"end":285.8,"confidence":0.9951172,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.22509124875068665},{"word":"any","start":287.06,"end":287.38,"confidence":0.9326172,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.06962457299232483},{"word":"advice","start":287.38,"end":287.88,"confidence":0.9941406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.030257269740104675},{"word":"is","start":287.94,"end":288.25998,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04466116428375244},{"word":"specific","start":288.25998,"end":288.74,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":-0.0010168105363845823},{"word":"again","start":288.74,"end":289.06,"confidence":0.82958984,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.059045448899269104},{"word":"to","start":289.06,"end":289.3,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0631542056798935},{"word":"you","start":289.3,"end":289.62,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05692198872566223},{"word":"based","start":289.62,"end":289.86,"confidence":0.9921875,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.07778705656528473},{"word":"on","start":289.86,"end":290.02,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09875155985355376},{"word":"your","start":290.02,"end":290.18,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.007954537868499756},{"word":"individual","start":290.18,"end":290.68,"confidence":1.0,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.01947636902332306},{"word":"circumstances","start":290.82,"end":291.32,"confidence":0.7746582,"punctuated_word":"circumstances,","sentiment":"neutral","sentiment_score":0.07759833335876465},{"word":"and","start":293.405,"end":293.645,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0008759200572967529},{"word":"then","start":293.645,"end":293.88498,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03912873566150665},{"word":"assess","start":293.88498,"end":294.285,"confidence":0.99902344,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.07895584404468536},{"word":"and","start":294.285,"end":294.44498,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01798960566520691},{"word":"consider","start":294.44498,"end":294.925,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.0283517986536026},{"word":"whether","start":294.925,"end":295.425,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.0069234371185302734},{"word":"any","start":295.88498,"end":296.365,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0014402270317077637},{"word":"advice","start":296.365,"end":296.845,"confidence":0.69433594,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.017168983817100525},{"word":"is","start":296.845,"end":297.085,"confidence":0.96533203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05419909954071045},{"word":"provide","start":297.085,"end":297.485,"confidence":0.7441406,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.023900583386421204},{"word":"is","start":297.72498,"end":297.965,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0471959114074707},{"word":"required","start":297.965,"end":298.465,"confidence":1.0,"punctuated_word":"required","sentiment":"neutral","sentiment_score":-0.01786746084690094},{"word":"in","start":299.805,"end":300.04498,"confidence":0.95410156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0347333699464798},{"word":"relation","start":300.04498,"end":300.365,"confidence":1.0,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":-0.006763145327568054},{"word":"to","start":300.365,"end":300.60498,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004308536648750305},{"word":"strategy","start":300.60498,"end":301.10498,"confidence":0.99902344,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.050739482045173645},{"word":"or","start":301.32498,"end":301.565,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14155249297618866},{"word":"product","start":301.565,"end":302.065,"confidence":0.8552246,"punctuated_word":"product.","sentiment":"neutral","sentiment_score":0.026628851890563965},{"word":"and","start":303.16498,"end":303.32498,"confidence":0.96435547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06925280392169952},{"word":"it","start":303.32498,"end":303.485,"confidence":0.96777344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12452185153961182},{"word":"all","start":303.485,"end":303.72498,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.13149631023406982},{"word":"has","start":303.72498,"end":303.88498,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.09606821835041046},{"word":"to","start":303.88498,"end":304.125,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09793366491794586},{"word":"be","start":304.125,"end":304.285,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10268093645572662},{"word":"in","start":304.285,"end":304.44498,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15839362144470215},{"word":"your","start":304.44498,"end":304.685,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09953556954860689},{"word":"best","start":304.685,"end":305.005,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.07569897174835205},{"word":"interest","start":305.005,"end":305.505,"confidence":0.8640137,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.1278671771287918},{"word":"the","start":307.35,"end":307.51,"confidence":0.9902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09298405796289444},{"word":"next","start":307.51,"end":307.91,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07532630860805511},{"word":"page","start":307.91,"end":308.15,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.07772796601057053},{"word":"is","start":308.15,"end":308.38998,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11790938675403596},{"word":"a","start":308.38998,"end":308.47,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1199941337108612},{"word":"table","start":308.47,"end":308.79,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.05393452942371368},{"word":"of","start":308.79,"end":308.94998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0407552570104599},{"word":"contents","start":308.94998,"end":309.44998,"confidence":0.81591797,"punctuated_word":"contents,","sentiment":"neutral","sentiment_score":0.04722698777914047},{"word":"and","start":311.59,"end":311.75,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05126042291522026},{"word":"then","start":311.75,"end":312.07,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06793291121721268},{"word":"the","start":312.07,"end":312.22998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05502944439649582},{"word":"following","start":312.22998,"end":312.63,"confidence":1.0,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.04946322366595268},{"word":"page","start":312.63,"end":312.94998,"confidence":0.95703125,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.048950500786304474},{"word":"is","start":312.94998,"end":313.11,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03971434384584427},{"word":"our","start":313.11,"end":313.35,"confidence":0.98828125,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.03184656426310539},{"word":"scope","start":313.35,"end":313.59,"confidence":1.0,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.05766560137271881},{"word":"of","start":313.59,"end":313.75,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07610435783863068},{"word":"advice","start":313.75,"end":314.22998,"confidence":0.9970703,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.04841674864292145},{"word":"so","start":314.22998,"end":314.38998,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06267037242650986},{"word":"this","start":314.38998,"end":314.63,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07228246331214905},{"word":"is","start":314.63,"end":314.87,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06123036146163941},{"word":"what","start":314.87,"end":315.07,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06605716049671173},{"word":"so","start":315.27,"end":315.77,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0840124860405922},{"word":"scope","start":316.15,"end":316.47,"confidence":0.9951172,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.09642110764980316},{"word":"of","start":316.47,"end":316.63,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10523750633001328},{"word":"advice","start":316.63,"end":317.11,"confidence":0.9838867,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06358703970909119},{"word":"is","start":317.11,"end":317.35,"confidence":0.9165039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10078291594982149},{"word":"considered","start":317.35,"end":317.85,"confidence":1.0,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.12724852561950684},{"word":"is","start":317.99,"end":318.22998,"confidence":0.73046875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09136615693569183},{"word":"what","start":318.22998,"end":318.55,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06775155663490295},{"word":"i'm","start":318.55,"end":318.79,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09230123460292816},{"word":"gonna","start":318.79,"end":319.11,"confidence":0.9760742,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10599385201931},{"word":"talk","start":319.11,"end":319.43,"confidence":0.99121094,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.10887779295444489},{"word":"to","start":319.43,"end":319.91,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0911583974957466},{"word":"in","start":319.91,"end":320.07,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0813169926404953},{"word":"this","start":320.07,"end":320.38998,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09973770380020142},{"word":"document","start":320.38998,"end":320.88998,"confidence":0.99902344,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.08490617573261261},{"word":"so","start":322.335,"end":322.57498,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1128491684794426},{"word":"the","start":322.57498,"end":322.735,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1574552357196808},{"word":"review","start":322.735,"end":323.13498,"confidence":0.9980469,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.15991362929344177},{"word":"of","start":323.13498,"end":323.29498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14383867383003235},{"word":"your","start":323.29498,"end":323.535,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17012658715248108},{"word":"superannuation","start":323.535,"end":324.035,"confidence":0.9973958,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.12982021272182465},{"word":"is","start":324.815,"end":325.315,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10544850677251816},{"word":"to","start":325.375,"end":325.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12890127301216123},{"word":"look","start":327.29498,"end":327.69498,"confidence":0.94628906,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09530851244926453},{"word":"at","start":327.69498,"end":328.01498,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12433286011219025},{"word":"q","start":328.01498,"end":328.255,"confidence":0.62158203,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.16532930731773376},{"word":"super","start":328.255,"end":328.755,"confidence":0.8232422,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1742352545261383},{"word":"hub","start":328.815,"end":329.215,"confidence":0.6660156,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.17666980624198914},{"word":"24","start":329.215,"end":330.035,"confidence":0.9165039,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.16762611269950867},{"word":"ensure","start":330.495,"end":330.995,"confidence":0.94189453,"punctuated_word":"ensure","sentiment":"neutral","sentiment_score":0.13632601499557495},{"word":"super","start":331.055,"end":331.555,"confidence":0.9902344,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3994385600090027},{"word":"superannuation","start":331.85498,"end":332.35498,"confidence":0.9983724,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.3167515695095062},{"word":"balances","start":332.815,"end":333.315,"confidence":0.6425781,"punctuated_word":"balances","sentiment":"neutral","sentiment_score":0.2995099425315857},{"word":"are","start":333.375,"end":333.615,"confidence":0.82958984,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18335258960723877},{"word":"combined","start":333.615,"end":334.115,"confidence":1.0,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.31889158487319946},{"word":"as","start":334.86002,"end":335.1,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.242141455411911},{"word":"much","start":335.1,"end":335.34,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.21090228855609897},{"word":"as","start":335.34,"end":335.5,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1894906461238861},{"word":"possible","start":335.5,"end":335.9,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.16464625298976898},{"word":"without","start":335.9,"end":336.4,"confidence":0.9980469,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.08792401850223541},{"word":"impacting","start":336.54,"end":337.04,"confidence":1.0,"punctuated_word":"impacting","sentiment":"neutral","sentiment_score":-0.18046171963214871},{"word":"or","start":337.42,"end":337.66,"confidence":0.98535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.19029204547405243},{"word":"you","start":337.66,"end":337.9,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14431993663311005},{"word":"losing","start":337.9,"end":338.38,"confidence":0.99316406,"punctuated_word":"losing","sentiment":"neutral","sentiment_score":-0.1937516927719116},{"word":"your","start":338.38,"end":338.62,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10870778560638428},{"word":"existing","start":338.62,"end":339.12,"confidence":1.0,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":-0.17477579414844513},{"word":"insurance","start":339.18,"end":339.66,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.07208095490932465},{"word":"within","start":339.66,"end":340.14,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.08688068389892578},{"word":"q","start":340.14,"end":340.46,"confidence":0.890625,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.08050081133842468},{"word":"super","start":340.46,"end":340.96,"confidence":0.6314697,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.12533064186573029},{"word":"and","start":341.82,"end":342.32,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07128123939037323},{"word":"a","start":342.46,"end":342.7,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13462507724761963},{"word":"recommendation","start":342.7,"end":343.2,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.14787597954273224},{"word":"that","start":343.98,"end":344.14,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.101756289601326},{"word":"you","start":344.14,"end":344.62,"confidence":0.8959961,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09091833978891373},{"word":"establish","start":344.62,"end":345.12,"confidence":0.9970703,"punctuated_word":"establish","sentiment":"neutral","sentiment_score":0.07977230846881866},{"word":"a","start":345.18,"end":345.34,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09450787305831908},{"word":"will","start":345.34,"end":345.58002,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05158863961696625},{"word":"and","start":345.58002,"end":345.74,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06014414131641388},{"word":"power","start":345.74,"end":346.06,"confidence":0.99902344,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.08662638068199158},{"word":"of","start":346.06,"end":346.22,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07425549626350403},{"word":"attorney","start":346.22,"end":346.7,"confidence":0.52685547,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.031125426292419434},{"word":"attorney","start":346.95,"end":347.265,"confidence":0.8562012,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.03488299995660782},{"word":"attorney","start":347.42502,"end":347.74503,"confidence":0.87109375,"punctuated_word":"Attorney.","sentiment":"neutral","sentiment_score":-0.018020138144493103},{"word":"sorry","start":347.74503,"end":348.24503,"confidence":0.99560547,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.04724615812301636},{"word":"oh","start":350.30502,"end":350.545,"confidence":0.741333,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.0013116821646690369},{"word":"gosh","start":350.545,"end":351.045,"confidence":0.98079425,"punctuated_word":"gosh.","sentiment":"neutral","sentiment_score":-0.006399782374501228},{"word":"and","start":351.345,"end":351.74503,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01997850462794304},{"word":"review","start":351.74503,"end":352.24503,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.015262499451637268},{"word":"any","start":352.46503,"end":352.86502,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03260394185781479},{"word":"beneficiary","start":352.86502,"end":353.345,"confidence":0.9980469,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.05429306626319885},{"word":"nominations","start":353.345,"end":353.825,"confidence":0.99902344,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.029040593653917313},{"word":"in","start":353.825,"end":354.065,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00004556775093078613},{"word":"super","start":354.065,"end":354.385,"confidence":0.6801758,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.035412341356277466},{"word":"so","start":354.385,"end":354.625,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.014210395514965056},{"word":"that","start":354.625,"end":354.785,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029116742312908173},{"word":"one's","start":354.785,"end":355.105,"confidence":0.95532227,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.0014415308833122251},{"word":"specifically","start":355.105,"end":355.605,"confidence":0.99902344,"punctuated_word":"specifically","sentiment":"neutral","sentiment_score":0.0278548002243042},{"word":"for","start":355.825,"end":356.14502,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.000395357608795166},{"word":"q","start":356.14502,"end":356.46503,"confidence":0.8745117,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.000957045704126358},{"word":"super","start":356.46503,"end":356.96503,"confidence":0.9404297,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.02790191024541855},{"word":"because","start":357.505,"end":357.74503,"confidence":0.6508789,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.016471922397613525},{"word":"we","start":357.74503,"end":357.98502,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.004347510635852814},{"word":"noted","start":357.98502,"end":358.30502,"confidence":0.9902344,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":-0.05511452257633209},{"word":"that","start":358.30502,"end":358.545,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08681464940309525},{"word":"you","start":358.545,"end":358.625,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1306835114955902},{"word":"didn't","start":358.625,"end":358.945,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.12022015452384947},{"word":"have","start":358.945,"end":359.18503,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12291982769966124},{"word":"any","start":359.18503,"end":359.345,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.11087768524885178},{"word":"in","start":359.345,"end":359.64,"confidence":0.9716797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14521601796150208},{"word":"q","start":359.64,"end":359.80002,"confidence":0.94921875,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.090025395154953},{"word":"super","start":359.80002,"end":360.30002,"confidence":0.99609375,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.04587792605161667},{"word":"the","start":362.84003,"end":363.08002,"confidence":0.87890625,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02630215883255005},{"word":"next","start":363.08002,"end":363.40002,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.001843489706516266},{"word":"page","start":363.40002,"end":363.80002,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.013160578906536102},{"word":"is","start":363.80002,"end":363.96002,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03495321422815323},{"word":"your","start":363.96002,"end":364.2,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0225110724568367},{"word":"scope","start":364.2,"end":364.52002,"confidence":1.0,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.015980258584022522},{"word":"of","start":364.52002,"end":364.68002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015587612986564636},{"word":"advice","start":364.68002,"end":365.18002,"confidence":0.9941406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.014652013778686523},{"word":"limited","start":365.48,"end":365.96002,"confidence":0.66259766,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.029878653585910797},{"word":"scope","start":365.96002,"end":366.46002,"confidence":0.9890137,"punctuated_word":"scope.","sentiment":"neutral","sentiment_score":0.0047874003648757935},{"word":"so","start":366.84003,"end":367.16,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.034944623708724976},{"word":"we","start":367.16,"end":367.40002,"confidence":0.8120117,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06701430678367615},{"word":"did","start":367.40002,"end":367.64,"confidence":0.9921875,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05373585969209671},{"word":"talk","start":367.64,"end":367.96002,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.05834376811981201},{"word":"about","start":367.96002,"end":368.46002,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02750100195407867},{"word":"you","start":368.6,"end":368.84003,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06966204941272736},{"word":"wanting","start":368.84003,"end":369.34003,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.02987717837095261},{"word":"to","start":369.40002,"end":369.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03395950049161911},{"word":"review","start":369.64,"end":370.12003,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.010791681706905363},{"word":"whether","start":370.12003,"end":370.44,"confidence":0.9970703,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.01714518666267395},{"word":"you","start":370.44,"end":370.52002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0474255234003067},{"word":"can","start":370.52002,"end":370.76,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.025546997785568237},{"word":"amend","start":370.76,"end":371.16,"confidence":0.9980469,"punctuated_word":"amend","sentiment":"neutral","sentiment_score":-0.05155216157436371},{"word":"the","start":371.16,"end":371.24002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09168778359889984},{"word":"waiting","start":371.24002,"end":371.56003,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.08150531351566315},{"word":"period","start":371.56003,"end":371.96002,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.13638567924499512},{"word":"on","start":371.96002,"end":372.04,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12671495974063873},{"word":"your","start":372.04,"end":372.315,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09776844829320908},{"word":"existing","start":372.475,"end":372.975,"confidence":1.0,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":-0.12117089331150056},{"word":"default","start":373.035,"end":373.515,"confidence":1.0,"punctuated_word":"default","sentiment":"neutral","sentiment_score":-0.08897513151168823},{"word":"q","start":373.515,"end":373.835,"confidence":0.8540039,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.049586743116378784},{"word":"super","start":373.835,"end":374.315,"confidence":0.86572266,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.046506620943546295},{"word":"insurance","start":374.315,"end":374.815,"confidence":0.9404297,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.1498568207025528},{"word":"for","start":374.95502,"end":375.115,"confidence":0.92089844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07949211448431015},{"word":"your","start":375.115,"end":375.355,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07480639964342117},{"word":"income","start":375.355,"end":375.855,"confidence":0.96875,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.050270456820726395},{"word":"so","start":376.075,"end":376.315,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.014004237949848177},{"word":"i've","start":376.315,"end":376.475,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.01786450296640396},{"word":"had","start":376.475,"end":376.635,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.029257282614707947},{"word":"a","start":376.635,"end":376.795,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005003027617931366},{"word":"little","start":376.795,"end":376.95502,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04007917642593384},{"word":"bit","start":376.95502,"end":377.195,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04482470452785492},{"word":"of","start":377.195,"end":377.355,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029939264059066772},{"word":"a","start":377.355,"end":377.435,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01399172842502594},{"word":"look","start":377.435,"end":377.595,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.002343341708183289},{"word":"into","start":377.595,"end":377.915,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.044907987117767334},{"word":"that","start":377.915,"end":378.155,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04625558853149414},{"word":"and","start":378.155,"end":378.395,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05528569221496582},{"word":"provided","start":378.395,"end":378.875,"confidence":1.0,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.13897177577018738},{"word":"some","start":378.875,"end":379.115,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11144249886274338},{"word":"general","start":379.115,"end":379.595,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.10625437647104265},{"word":"information","start":379.595,"end":380.075,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.0821220874786377},{"word":"in","start":380.075,"end":380.23502,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10139137506484984},{"word":"this","start":380.23502,"end":380.395,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1305152177810669},{"word":"document","start":380.395,"end":380.895,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.11132553964853288},{"word":"for","start":380.95502,"end":381.115,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1249506026506424},{"word":"you","start":381.115,"end":381.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13064906001091003},{"word":"as","start":381.275,"end":381.435,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11061061918735504},{"word":"well","start":381.435,"end":381.935,"confidence":0.99194336,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.019923221319913864},{"word":"and","start":383.435,"end":383.675,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07880204916000366},{"word":"then","start":383.675,"end":383.995,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0382939949631691},{"word":"the","start":383.995,"end":384.23502,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10222253203392027},{"word":"following","start":384.23502,"end":384.73502,"confidence":1.0,"punctuated_word":"following","sentiment":"neutral","sentiment_score":-0.1324680596590042},{"word":"page","start":384.95502,"end":385.275,"confidence":0.95703125,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.0733560174703598},{"word":"is","start":385.275,"end":385.515,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07988100498914719},{"word":"scope","start":385.515,"end":385.835,"confidence":0.9980469,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":-0.08684369921684265},{"word":"of","start":385.835,"end":385.995,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0803254097700119},{"word":"advice","start":385.995,"end":386.495,"confidence":0.9970703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.08337470889091492},{"word":"not","start":386.555,"end":386.95502,"confidence":0.97265625,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08277695626020432},{"word":"considered","start":386.95502,"end":387.45502,"confidence":0.99609375,"punctuated_word":"considered.","sentiment":"neutral","sentiment_score":-0.08411969244480133},{"word":"so","start":387.515,"end":387.755,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03535003215074539},{"word":"this","start":387.755,"end":387.995,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.038527872413396835},{"word":"is","start":387.995,"end":388.17,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.042938314378261566},{"word":"the","start":388.25,"end":388.49002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04922883212566376},{"word":"repayment","start":388.49002,"end":388.99002,"confidence":0.9980469,"punctuated_word":"repayment","sentiment":"neutral","sentiment_score":-0.08362871408462524},{"word":"of","start":389.21002,"end":389.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05994271486997605},{"word":"the","start":389.29,"end":389.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06592227518558502},{"word":"debt","start":389.53,"end":390.03,"confidence":0.9748535,"punctuated_word":"debt.","sentiment":"neutral","sentiment_score":-0.06343618035316467},{"word":"what","start":391.45,"end":391.77002,"confidence":0.80566406,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.041747838258743286},{"word":"we","start":391.77002,"end":392.09003,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.053620368242263794},{"word":"talked","start":392.09003,"end":392.41,"confidence":0.99902344,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.05792238563299179},{"word":"about","start":392.41,"end":392.73,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05975912511348725},{"word":"in","start":392.73,"end":392.89,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03290081024169922},{"word":"our","start":392.89,"end":393.13,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.033472687005996704},{"word":"last","start":393.13,"end":393.45,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02835993468761444},{"word":"review","start":393.45,"end":393.95,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.006344720721244812},{"word":"is","start":394.09003,"end":394.25,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0264241024851799},{"word":"that","start":394.25,"end":394.49002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05116812884807587},{"word":"we","start":394.49002,"end":394.65002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.029448822140693665},{"word":"would","start":394.65002,"end":395.15002,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04014886915683746},{"word":"revisit","start":395.21002,"end":395.71002,"confidence":1.0,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.01578725129365921},{"word":"this","start":395.85,"end":396.17,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.012795321643352509},{"word":"in","start":396.17,"end":396.65002,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01201065629720688},{"word":"september","start":396.65002,"end":397.62003,"confidence":0.99975586,"punctuated_word":"September","sentiment":"neutral","sentiment_score":0.02873999625444412},{"word":"2027","start":397.62003,"end":398.59003,"confidence":0.99975586,"punctuated_word":"2027","sentiment":"neutral","sentiment_score":0.055557943880558014},{"word":"once","start":398.65002,"end":398.97,"confidence":0.5708008,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.012878775596618652},{"word":"the","start":398.97,"end":399.21002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010052014142274857},{"word":"lease","start":399.21002,"end":399.65002,"confidence":0.78759766,"punctuated_word":"lease","sentiment":"neutral","sentiment_score":0.061273567378520966},{"word":"is","start":399.65002,"end":400.09003,"confidence":0.94189453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04596690088510513},{"word":"con","start":400.17,"end":400.41,"confidence":0.55322266,"punctuated_word":"con","sentiment":"neutral","sentiment_score":0.06582415103912354},{"word":"the","start":400.57,"end":400.65002,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08050113916397095},{"word":"lease","start":400.65002,"end":400.97,"confidence":0.99609375,"punctuated_word":"lease","sentiment":"neutral","sentiment_score":0.0894622877240181},{"word":"concludes","start":400.97,"end":401.45,"confidence":0.9970703,"punctuated_word":"concludes","sentiment":"neutral","sentiment_score":0.04691074788570404},{"word":"on","start":401.45,"end":401.61002,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06065063551068306},{"word":"your","start":401.61002,"end":401.85,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09359246492385864},{"word":"car","start":401.85,"end":402.35,"confidence":0.9807129,"punctuated_word":"car.","sentiment":"neutral","sentiment_score":0.07863966375589371},{"word":"it's","start":402.97,"end":403.21002,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2737654447555542},{"word":"gonna","start":403.21002,"end":403.61002,"confidence":0.96777344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.32803967595100403},{"word":"free","start":403.61002,"end":403.85,"confidence":0.9980469,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.31559109687805176},{"word":"up","start":403.85,"end":404.145,"confidence":0.99902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.42893141508102417},{"word":"some","start":404.145,"end":404.38498,"confidence":0.9980469,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3428303003311157},{"word":"cash","start":404.38498,"end":404.88498,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.26324161887168884},{"word":"flow","start":405.04498,"end":405.54498,"confidence":0.99316406,"punctuated_word":"flow","sentiment":"positive","sentiment_score":0.40732863545417786},{"word":"for","start":405.705,"end":406.205,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3821260929107666},{"word":"you","start":406.365,"end":406.865,"confidence":0.87646484,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1398029625415802},{"word":"but","start":407.025,"end":407.26498,"confidence":0.68066406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16281980276107788},{"word":"also","start":407.26498,"end":407.585,"confidence":0.921875,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12229131907224657},{"word":"noting","start":407.585,"end":407.985,"confidence":0.98535156,"punctuated_word":"noting","sentiment":"neutral","sentiment_score":0.08816985785961151},{"word":"you'll","start":407.985,"end":408.145,"confidence":0.9868164,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.08469009399414062},{"word":"have","start":408.145,"end":408.305,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11202873289585114},{"word":"to","start":408.305,"end":408.805,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08702488243579865},{"word":"get","start":409.10498,"end":409.26498,"confidence":0.72216797,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.044968411326408386},{"word":"a","start":409.26498,"end":409.345,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11856573075056076},{"word":"loan","start":409.345,"end":409.66498,"confidence":1.0,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.08237867057323456},{"word":"to","start":409.66498,"end":409.82498,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02370038628578186},{"word":"fund","start":409.82498,"end":410.065,"confidence":0.99902344,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.055330127477645874},{"word":"the","start":410.065,"end":410.22498,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10001152753829956},{"word":"balloon","start":410.22498,"end":410.625,"confidence":0.99902344,"punctuated_word":"balloon","sentiment":"neutral","sentiment_score":0.14177632331848145},{"word":"payment","start":410.625,"end":411.125,"confidence":0.9926758,"punctuated_word":"payment.","sentiment":"neutral","sentiment_score":0.11997754126787186},{"word":"so","start":411.425,"end":411.66498,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14093196392059326},{"word":"at","start":411.66498,"end":411.905,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15438956022262573},{"word":"that","start":411.905,"end":412.145,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1409313976764679},{"word":"point","start":412.145,"end":412.465,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.11581818014383316},{"word":"in","start":412.465,"end":412.705,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15375696122646332},{"word":"time","start":412.705,"end":413.205,"confidence":0.99902344,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.21467724442481995},{"word":"we","start":413.82498,"end":414.145,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24184399843215945},{"word":"talked","start":414.145,"end":414.38498,"confidence":0.99902344,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.1909414827823639},{"word":"about","start":414.38498,"end":414.88498,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.23164254426956177},{"word":"looking","start":416.305,"end":416.705,"confidence":0.9526367,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.240306556224823},{"word":"at","start":416.705,"end":417.205,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2470165342092514},{"word":"our","start":417.50497,"end":417.66498,"confidence":0.50878906,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.29077279567718506},{"word":"repayment","start":417.66498,"end":418.16498,"confidence":0.9951172,"punctuated_word":"repayment","sentiment":"neutral","sentiment_score":0.1839548796415329},{"word":"an","start":418.81998,"end":419.13998,"confidence":0.9921875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2393615245819092},{"word":"accelerated","start":419.13998,"end":419.63998,"confidence":1.0,"punctuated_word":"accelerated","sentiment":"positive","sentiment_score":0.3469359278678894},{"word":"repayment","start":419.69998,"end":420.19998,"confidence":0.99902344,"punctuated_word":"repayment","sentiment":"neutral","sentiment_score":0.16592775285243988},{"word":"plan","start":420.34,"end":420.58,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.21999868750572205},{"word":"basically","start":420.58,"end":421.06,"confidence":0.50683594,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.2553648352622986},{"word":"with","start":421.06,"end":421.3,"confidence":0.9873047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32188212871551514},{"word":"the","start":421.3,"end":421.46,"confidence":0.9902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3852718472480774},{"word":"surplus","start":421.46,"end":421.94,"confidence":0.99609375,"punctuated_word":"surplus","sentiment":"positive","sentiment_score":0.4171978831291199},{"word":"cash","start":421.94,"end":422.18,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.27776020765304565},{"word":"flow","start":422.18,"end":422.5,"confidence":0.9921875,"punctuated_word":"flow","sentiment":"positive","sentiment_score":0.4988377392292022},{"word":"to","start":422.5,"end":422.58,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3091483414173126},{"word":"get","start":422.58,"end":422.81998,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.33120375871658325},{"word":"you","start":422.81998,"end":422.97998,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4147133231163025},{"word":"ahead","start":422.97998,"end":423.3,"confidence":1.0,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.3643995225429535},{"word":"of","start":423.3,"end":423.38,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4753529727458954},{"word":"that","start":423.38,"end":423.62,"confidence":0.99609375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.376070111989975},{"word":"debt","start":423.62,"end":423.86,"confidence":0.9980469,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.04454541206359863},{"word":"so","start":423.86,"end":424.09998,"confidence":0.9506836,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3171439468860626},{"word":"you","start":424.09998,"end":424.25998,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4591645896434784},{"word":"can","start":424.25998,"end":424.58,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4144432842731476},{"word":"retire","start":424.58,"end":425.06,"confidence":0.99902344,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.12492719292640686},{"word":"debt","start":425.06,"end":425.22,"confidence":0.9873047,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.1318967044353485},{"word":"free","start":425.22,"end":425.72,"confidence":0.99902344,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.3884402513504028},{"word":"and","start":426.02,"end":426.25998,"confidence":0.7294922,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3979739248752594},{"word":"then","start":426.25998,"end":426.66,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3710838258266449},{"word":"look","start":426.66,"end":426.81998,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.368684858083725},{"word":"at","start":426.81998,"end":427.31998,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4020450413227082},{"word":"building","start":427.62,"end":427.94,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.4798912703990936},{"word":"your","start":427.94,"end":428.18,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4857077896595001},{"word":"superannuation","start":428.18,"end":428.68,"confidence":0.9238281,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.13215366005897522},{"word":"so","start":428.97998,"end":429.47998,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3061455190181732},{"word":"you","start":429.86,"end":430.02,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4012112021446228},{"word":"can","start":430.02,"end":430.41998,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4396946728229522},{"word":"hopefully","start":430.41998,"end":430.91998,"confidence":0.9350586,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.4385126829147339},{"word":"retire","start":430.97998,"end":431.46,"confidence":0.9970703,"punctuated_word":"retire","sentiment":"positive","sentiment_score":0.35025784373283386},{"word":"at","start":431.46,"end":431.69998,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.34068530797958374},{"word":"age","start":431.69998,"end":432.09998,"confidence":0.9970703,"punctuated_word":"age","sentiment":"positive","sentiment_score":0.4289013743400574},{"word":"65","start":432.09998,"end":432.74,"confidence":0.98669434,"punctuated_word":"65,","sentiment":"positive","sentiment_score":0.5877358317375183},{"word":"which","start":432.74,"end":432.9,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5842434763908386},{"word":"is","start":432.9,"end":433.06,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4784338176250458},{"word":"your","start":433.06,"end":433.56,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4765685796737671},{"word":"your","start":433.69998,"end":433.94,"confidence":0.7949219,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5294486284255981},{"word":"actual","start":433.94,"end":434.44,"confidence":0.99902344,"punctuated_word":"actual","sentiment":"positive","sentiment_score":0.4291764199733734},{"word":"goal","start":435.915,"end":436.23502,"confidence":0.9807129,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":0.26369571685791016},{"word":"does","start":436.23502,"end":436.39502,"confidence":0.9970703,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.1852058470249176},{"word":"that","start":436.39502,"end":436.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23478609323501587},{"word":"sound","start":436.715,"end":437.035,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.15803024172782898},{"word":"correct","start":437.035,"end":437.515,"confidence":0.9995117,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.22478210926055908},{"word":"do","start":437.515,"end":437.755,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.05647668242454529},{"word":"i","start":437.755,"end":437.835,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07262428104877472},{"word":"have","start":437.835,"end":437.995,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09383461624383926},{"word":"all","start":437.995,"end":438.23502,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07795542478561401},{"word":"that","start":438.23502,"end":438.475,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14048518240451813},{"word":"right","start":438.475,"end":438.975,"confidence":0.99902344,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.1573048084974289},{"word":"fantastic","start":440.555,"end":441.055,"confidence":0.76538086,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.747856616973877},{"word":"because","start":443.995,"end":444.315,"confidence":0.8520508,"punctuated_word":"Because","sentiment":"positive","sentiment_score":0.45725518465042114},{"word":"i","start":444.315,"end":444.475,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3657766878604889},{"word":"do","start":444.475,"end":444.715,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3949241638183594},{"word":"know","start":444.715,"end":444.875,"confidence":0.99902344,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.4292469918727875},{"word":"in","start":444.875,"end":445.035,"confidence":0.9716797,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.34051910042762756},{"word":"our","start":445.035,"end":445.195,"confidence":1.0,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.37029993534088135},{"word":"last","start":445.195,"end":445.515,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.15612058341503143},{"word":"conversation","start":445.515,"end":446.015,"confidence":0.9267578,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":0.2341591715812683},{"word":"you","start":446.23502,"end":446.39502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19770748913288116},{"word":"said","start":446.39502,"end":446.89502,"confidence":1.0,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.23550747334957123},{"word":"65","start":447.115,"end":447.835,"confidence":0.98657227,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.28574639558792114},{"word":"was","start":447.835,"end":447.995,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.21278852224349976},{"word":"your","start":447.995,"end":448.35,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2620895504951477},{"word":"retirement","start":448.51,"end":449.01,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.20333093404769895},{"word":"goal","start":449.39,"end":449.71,"confidence":0.8300781,"punctuated_word":"goal,","sentiment":"neutral","sentiment_score":0.1927293986082077},{"word":"but","start":449.71,"end":449.95,"confidence":0.99121094,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16899144649505615},{"word":"you","start":449.95,"end":450.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11524475365877151},{"word":"thought","start":450.19,"end":450.43,"confidence":0.9970703,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.15272098779678345},{"word":"that","start":450.43,"end":450.59,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23992009460926056},{"word":"you","start":450.59,"end":450.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1929873675107956},{"word":"may","start":450.75,"end":451.07,"confidence":0.9980469,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.14812806248664856},{"word":"have","start":451.07,"end":451.23,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20027349889278412},{"word":"to","start":451.23,"end":451.31,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19802887737751007},{"word":"work","start":451.31,"end":451.71,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.14429955184459686},{"word":"till","start":451.71,"end":452.03,"confidence":0.98828125,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.2791162133216858},{"word":"75","start":452.03,"end":453.01,"confidence":0.9914551,"punctuated_word":"75.","sentiment":"neutral","sentiment_score":0.2273144423961639},{"word":"part","start":454.51,"end":454.91,"confidence":0.8491211,"punctuated_word":"Part","sentiment":"neutral","sentiment_score":0.30724862217903137},{"word":"of","start":454.91,"end":455.07,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2699686288833618},{"word":"my","start":455.07,"end":455.47,"confidence":0.9921875,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.3046240210533142},{"word":"role","start":455.47,"end":455.79,"confidence":0.9980469,"punctuated_word":"role","sentiment":"neutral","sentiment_score":0.31843096017837524},{"word":"is","start":455.79,"end":456.29,"confidence":0.98828125,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3428347408771515},{"word":"to","start":456.59,"end":456.75,"confidence":0.98535156,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3878087699413299},{"word":"get","start":456.75,"end":456.99,"confidence":0.95410156,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.417411744594574},{"word":"you","start":456.99,"end":457.23,"confidence":0.9902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4244406223297119},{"word":"to","start":457.23,"end":457.47,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4062105417251587},{"word":"next","start":457.47,"end":457.71,"confidence":0.9873047,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.30417686700820923},{"word":"year","start":457.71,"end":458.21,"confidence":0.9645996,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.3749925196170807},{"word":"let's","start":459.47,"end":459.79,"confidence":0.97094727,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.2733801603317261},{"word":"look","start":459.79,"end":460.03,"confidence":0.93115234,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2296389639377594},{"word":"at","start":460.03,"end":460.11002,"confidence":0.8959961,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.25484880805015564},{"word":"the","start":460.11002,"end":460.27002,"confidence":0.9267578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30869609117507935},{"word":"debt","start":460.27002,"end":460.77002,"confidence":0.7709961,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.28702953457832336},{"word":"repayment","start":461.025,"end":461.525,"confidence":0.7583008,"punctuated_word":"repayment,","sentiment":"neutral","sentiment_score":0.2421317994594574},{"word":"get","start":461.98502,"end":462.225,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3279406726360321},{"word":"that","start":462.225,"end":462.465,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33106568455696106},{"word":"done","start":462.465,"end":462.965,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.3144744038581848},{"word":"to","start":463.025,"end":463.265,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3204496204853058},{"word":"save","start":463.265,"end":463.505,"confidence":1.0,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.26649224758148193},{"word":"you","start":463.505,"end":463.665,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4237183630466461},{"word":"some","start":463.665,"end":463.905,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3681910037994385},{"word":"interest","start":463.905,"end":464.405,"confidence":0.9628906,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.32697826623916626},{"word":"and","start":465.105,"end":465.265,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2077092677354813},{"word":"then","start":465.265,"end":465.505,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2413551360368729},{"word":"look","start":465.505,"end":465.665,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2070501744747162},{"word":"at","start":465.665,"end":465.825,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20563186705112457},{"word":"your","start":465.825,"end":466.145,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24261537194252017},{"word":"retirement","start":466.145,"end":466.645,"confidence":0.9941406,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.1743931770324707},{"word":"but","start":466.70502,"end":466.945,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.17010584473609924},{"word":"there","start":466.945,"end":467.105,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12684927880764008},{"word":"is","start":467.105,"end":467.345,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12477455288171768},{"word":"some","start":467.345,"end":467.745,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1655934453010559},{"word":"there","start":467.905,"end":468.145,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16373425722122192},{"word":"is","start":468.145,"end":468.305,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17251592874526978},{"word":"a","start":468.305,"end":468.805,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1787565052509308},{"word":"document","start":468.865,"end":469.365,"confidence":0.8227539,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.1643408238887787},{"word":"i","start":469.505,"end":469.665,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.215949147939682},{"word":"believe","start":469.665,"end":469.98502,"confidence":0.8540039,"punctuated_word":"believe,","sentiment":"neutral","sentiment_score":0.2189815044403076},{"word":"a","start":469.98502,"end":470.065,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2994438707828522},{"word":"table","start":470.065,"end":470.545,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.25101691484451294},{"word":"later","start":470.545,"end":470.785,"confidence":0.9536133,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.25702333450317383},{"word":"in","start":470.785,"end":470.945,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2365956753492355},{"word":"here","start":470.945,"end":471.185,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2693486511707306},{"word":"that","start":471.185,"end":471.345,"confidence":0.9506836,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30062368512153625},{"word":"can","start":471.345,"end":471.505,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2642582654953003},{"word":"give","start":471.505,"end":471.665,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2991682291030884},{"word":"you","start":471.665,"end":471.825,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3391769528388977},{"word":"a","start":471.825,"end":471.905,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32814472913742065},{"word":"look","start":471.905,"end":472.065,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2256408929824829},{"word":"at","start":472.065,"end":472.225,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.27276772260665894},{"word":"what","start":472.225,"end":472.465,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2635353207588196},{"word":"retirement","start":472.465,"end":472.945,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.24851512908935547},{"word":"looks","start":472.945,"end":473.185,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.2523597180843353},{"word":"like","start":473.185,"end":473.505,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.24460293352603912},{"word":"even","start":473.505,"end":473.825,"confidence":0.9980469,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.22341881692409515},{"word":"now","start":473.825,"end":474.325,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.19566243886947632},{"word":"based","start":475.105,"end":475.345,"confidence":0.77246094,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.30235064029693604},{"word":"on","start":475.345,"end":475.505,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.35854819416999817},{"word":"your","start":475.505,"end":475.665,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.266690731048584},{"word":"current","start":475.665,"end":476.065,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.19383670389652252},{"word":"super","start":476.065,"end":476.565,"confidence":0.8391113,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.26146143674850464},{"word":"so","start":476.65997,"end":476.81998,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2724441587924957},{"word":"we","start":476.81998,"end":476.97998,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27176758646965027},{"word":"can","start":476.97998,"end":477.06,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30399781465530396},{"word":"go","start":477.06,"end":477.3,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3620709478855133},{"word":"through","start":477.3,"end":477.53998,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.38385245203971863},{"word":"that","start":477.53998,"end":477.78,"confidence":0.8996582,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.32210129499435425},{"word":"and","start":477.78,"end":477.93997,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.36383387446403503},{"word":"it","start":477.93997,"end":478.02,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.45889365673065186},{"word":"can","start":478.02,"end":478.25998,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4106271266937256},{"word":"give","start":478.25998,"end":478.41998,"confidence":1.0,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.47803735733032227},{"word":"you","start":478.41998,"end":478.5,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5296258330345154},{"word":"a","start":478.5,"end":478.58,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5046983957290649},{"word":"bit","start":478.58,"end":478.81998,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4819712638854981},{"word":"of","start":478.81998,"end":478.9,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5144491195678711},{"word":"an","start":478.9,"end":479.06,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.5056480169296265},{"word":"idea","start":479.06,"end":479.37997,"confidence":1.0,"punctuated_word":"idea","sentiment":"positive","sentiment_score":0.4855223000049591},{"word":"that","start":479.37997,"end":479.69998,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4881015121936798},{"word":"you","start":479.69998,"end":479.86,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5467544198036194},{"word":"are","start":479.86,"end":480.09998,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4433175921440125},{"word":"on","start":480.09998,"end":480.34,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4681306779384613},{"word":"track","start":480.34,"end":480.84,"confidence":0.9941406,"punctuated_word":"track.","sentiment":"positive","sentiment_score":0.3855202794075012},{"word":"there","start":481.46,"end":481.69998,"confidence":0.69677734,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.17011776566505432},{"word":"are","start":481.69998,"end":481.86,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.21396689116954803},{"word":"probably","start":481.86,"end":482.18,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.2212701439857483},{"word":"just","start":482.18,"end":482.41998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16753122210502625},{"word":"a","start":482.41998,"end":482.58,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1276927888393402},{"word":"few","start":482.58,"end":482.74,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.11897339671850204},{"word":"little","start":482.74,"end":482.9,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15058672428131104},{"word":"things","start":482.9,"end":483.22,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.13364560902118683},{"word":"we","start":483.22,"end":483.37997,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12337402999401093},{"word":"need","start":483.37997,"end":483.62,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.13206970691680908},{"word":"to","start":483.62,"end":483.69998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13056856393814087},{"word":"do","start":483.69998,"end":484.19998,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12221822887659071},{"word":"once","start":484.5,"end":484.74,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1643460988998413},{"word":"we've","start":484.74,"end":484.97998,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.22233489155769348},{"word":"got","start":484.97998,"end":485.13998,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2376151829957962},{"word":"that","start":485.13998,"end":485.37997,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2566419839859009},{"word":"debt","start":485.37997,"end":485.53998,"confidence":0.63916016,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.14682933688163757},{"word":"under","start":485.53998,"end":485.86,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.15891823172569275},{"word":"control","start":485.86,"end":486.36,"confidence":1.0,"punctuated_word":"control.","sentiment":"neutral","sentiment_score":0.1231524497270584},{"word":"okay","start":487.62,"end":488.12,"confidence":0.9797363,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.23836436867713928},{"word":"the","start":489.805,"end":490.04498,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.01903298497200012},{"word":"next","start":490.04498,"end":490.365,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.07357124984264374},{"word":"page","start":490.365,"end":490.605,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.07106044143438339},{"word":"is","start":490.605,"end":490.76498,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.052085354924201965},{"word":"a","start":490.76498,"end":490.845,"confidence":0.89501953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0918859988451004},{"word":"limit","start":490.845,"end":491.165,"confidence":0.8671875,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":-0.16037335991859436},{"word":"advice","start":491.165,"end":491.565,"confidence":0.9802246,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.1020277813076973},{"word":"this","start":491.565,"end":491.805,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.15141218900680542},{"word":"is","start":491.805,"end":491.965,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.14315061271190643},{"word":"just","start":491.965,"end":492.205,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13352511823177338},{"word":"a","start":492.205,"end":492.365,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1868557929992676},{"word":"general","start":492.365,"end":492.845,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":-0.23308424651622772},{"word":"warning","start":492.845,"end":493.325,"confidence":1.0,"punctuated_word":"warning","sentiment":"neutral","sentiment_score":-0.2410409450531006},{"word":"saying","start":493.325,"end":493.825,"confidence":0.9980469,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.1608106791973114},{"word":"that","start":494.04498,"end":494.285,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.179772287607193},{"word":"if","start":494.285,"end":494.445,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2676521837711334},{"word":"any","start":494.445,"end":494.685,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.29976126551628113},{"word":"information","start":494.685,"end":495.165,"confidence":1.0,"punctuated_word":"information","sentiment":"negative","sentiment_score":-0.3883435428142547},{"word":"has","start":495.165,"end":495.405,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.3055807054042816},{"word":"been","start":495.405,"end":495.645,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.30689769983291626},{"word":"disclosed","start":495.645,"end":496.04498,"confidence":1.0,"punctuated_word":"disclosed","sentiment":"negative","sentiment_score":-0.4007141292095184},{"word":"to","start":496.04498,"end":496.205,"confidence":0.96533203,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.39061668515205383},{"word":"us","start":496.205,"end":496.365,"confidence":1.0,"punctuated_word":"us","sentiment":"negative","sentiment_score":-0.33613887429237366},{"word":"incorrectly","start":496.365,"end":496.865,"confidence":0.9980469,"punctuated_word":"incorrectly","sentiment":"negative","sentiment_score":-0.356731653213501},{"word":"or","start":497.005,"end":497.165,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.31078818440437317},{"word":"is","start":497.165,"end":497.325,"confidence":0.58251953,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2892744839191437},{"word":"wrong","start":497.325,"end":497.565,"confidence":0.9975586,"punctuated_word":"wrong,","sentiment":"negative","sentiment_score":-0.3405516743659973},{"word":"it","start":497.565,"end":497.725,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.412523478269577},{"word":"could","start":497.725,"end":497.885,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.32873162627220154},{"word":"affect","start":497.885,"end":498.205,"confidence":0.97802734,"punctuated_word":"affect","sentiment":"negative","sentiment_score":-0.3688187599182129},{"word":"the","start":498.205,"end":498.445,"confidence":0.8769531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.304251492023468},{"word":"the","start":498.445,"end":498.525,"confidence":0.51171875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26210546493530273},{"word":"advice","start":498.525,"end":499.025,"confidence":0.8498535,"punctuated_word":"advice.","sentiment":"negative","sentiment_score":-0.3682481050491333},{"word":"letting","start":499.805,"end":500.125,"confidence":0.9873047,"punctuated_word":"Letting","sentiment":"neutral","sentiment_score":-0.12629297375679016},{"word":"you","start":500.125,"end":500.285,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18122997879981995},{"word":"know","start":500.285,"end":500.445,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.19093456864356995},{"word":"that","start":500.445,"end":500.605,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1640421450138092},{"word":"i'm","start":500.605,"end":500.76498,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14719533920288086},{"word":"not","start":500.76498,"end":501.005,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12905016541481018},{"word":"a","start":501.005,"end":501.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18787606060504913},{"word":"lawyer","start":501.245,"end":501.645,"confidence":0.939209,"punctuated_word":"lawyer,","sentiment":"neutral","sentiment_score":-0.22107014060020447},{"word":"so","start":501.645,"end":501.885,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.12541574239730835},{"word":"i","start":501.885,"end":502.04498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13433945178985596},{"word":"can't","start":502.04498,"end":502.285,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1710502803325653},{"word":"draft","start":502.285,"end":502.685,"confidence":0.99609375,"punctuated_word":"draft","sentiment":"neutral","sentiment_score":-0.24287664890289307},{"word":"wills","start":502.685,"end":503.165,"confidence":0.9604492,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":-0.2141423374414444},{"word":"or","start":503.165,"end":503.665,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.18410101532936096},{"word":"provide","start":504.35,"end":504.85,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.08141257613897324},{"word":"specific","start":504.99002,"end":505.49002,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":-0.07493101060390472},{"word":"advice","start":505.55002,"end":505.95,"confidence":0.9970703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.10748158395290376},{"word":"in","start":505.95,"end":506.11002,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0494685024023056},{"word":"that","start":506.11002,"end":506.43002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003587469458580017},{"word":"regard","start":506.43002,"end":506.83002,"confidence":0.9885254,"punctuated_word":"regard.","sentiment":"neutral","sentiment_score":-0.03792167454957962},{"word":"i","start":506.83002,"end":506.99002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022732779383659363},{"word":"can","start":506.99002,"end":507.15,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01637585461139679},{"word":"only","start":507.15,"end":507.39,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.011216163635253906},{"word":"say","start":507.39,"end":507.89,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.19997653365135193},{"word":"you","start":508.03,"end":508.19,"confidence":0.67529297,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34788888692855835},{"word":"should","start":508.19,"end":508.35,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.3275062143802643},{"word":"definitely","start":508.35,"end":508.85,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.5167577266693115},{"word":"do","start":508.91,"end":509.15,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3914341330528259},{"word":"it","start":509.15,"end":509.65,"confidence":0.78027344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2757103443145752},{"word":"and","start":510.75,"end":511.25,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10565466433763504},{"word":"that","start":511.87,"end":512.27,"confidence":0.7729492,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0584389790892601},{"word":"i","start":512.27,"end":512.51,"confidence":0.9658203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09008656442165376},{"word":"am","start":512.51,"end":512.83,"confidence":0.9614258,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.15425308048725128},{"word":"avail","start":512.83,"end":513.07,"confidence":0.9667969,"punctuated_word":"avail","sentiment":"neutral","sentiment_score":0.12433171272277832},{"word":"i","start":513.31,"end":513.47003,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1274479627609253},{"word":"am","start":513.47003,"end":513.63,"confidence":0.58496094,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.1530776023864746},{"word":"able","start":513.63,"end":513.95,"confidence":0.96533203,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1680065542459488},{"word":"to","start":513.95,"end":514.11,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1443447321653366},{"word":"provide","start":514.11,"end":514.59,"confidence":0.9980469,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.13785691559314728},{"word":"tax","start":514.59,"end":514.91003,"confidence":0.99609375,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.01143290102481842},{"word":"advice","start":514.91003,"end":515.39,"confidence":0.9951172,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.01929650455713272},{"word":"in","start":515.39,"end":515.47003,"confidence":0.9741211,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.00004145503044128418},{"word":"relation","start":515.47003,"end":515.805,"confidence":0.9902344,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.03101203590631485},{"word":"to","start":515.885,"end":516.045,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023520007729530334},{"word":"financial","start":516.045,"end":516.545,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.04317271709442139},{"word":"planning","start":516.685,"end":517.185,"confidence":0.94799805,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.01809394732117653},{"word":"but","start":517.885,"end":518.205,"confidence":0.75,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05632597953081131},{"word":"i'm","start":518.205,"end":518.365,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10874208807945251},{"word":"not","start":518.365,"end":518.605,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10550682246685028},{"word":"a","start":518.605,"end":518.845,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13433071970939636},{"word":"tax","start":518.845,"end":519.245,"confidence":0.984375,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.18433423340320587},{"word":"a","start":519.245,"end":519.445,"confidence":0.93408203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1611962616443634},{"word":"a","start":519.645,"end":519.805,"confidence":0.9604492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17035925388336182},{"word":"tax","start":519.805,"end":520.125,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.14791032671928406},{"word":"agent","start":520.125,"end":520.625,"confidence":1.0,"punctuated_word":"agent.","sentiment":"neutral","sentiment_score":-0.15125679969787598},{"word":"the","start":522.925,"end":523.085,"confidence":0.96435547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03710021823644638},{"word":"next","start":523.085,"end":523.585,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06401634216308594},{"word":"couple","start":523.725,"end":524.045,"confidence":0.9404297,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.039764903485774994},{"word":"of","start":524.045,"end":524.205,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05084411799907684},{"word":"pages","start":524.205,"end":524.605,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.03193662315607071},{"word":"is","start":524.605,"end":524.765,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05703791603446007},{"word":"the","start":524.765,"end":524.925,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058831170201301575},{"word":"about","start":524.925,"end":525.245,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04928625747561455},{"word":"you","start":525.245,"end":525.485,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0526297427713871},{"word":"section","start":525.485,"end":525.805,"confidence":0.98657227,"punctuated_word":"section.","sentiment":"neutral","sentiment_score":0.07081001996994019},{"word":"so","start":525.805,"end":526.045,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07007329910993576},{"word":"this","start":526.045,"end":526.205,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08841368556022644},{"word":"is","start":526.205,"end":526.365,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06401921808719635},{"word":"the","start":526.365,"end":526.52496,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09125138819217682},{"word":"information","start":526.52496,"end":527.005,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.09504684805870056},{"word":"we","start":527.005,"end":527.165,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10825252532958984},{"word":"confirmed","start":527.165,"end":527.665,"confidence":0.99902344,"punctuated_word":"confirmed","sentiment":"neutral","sentiment_score":0.13391847908496857},{"word":"in","start":527.725,"end":527.805,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13433267176151276},{"word":"our","start":527.805,"end":528.045,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.12892486155033112},{"word":"recent","start":528.045,"end":528.365,"confidence":1.0,"punctuated_word":"recent","sentiment":"neutral","sentiment_score":0.1262136548757553},{"word":"review","start":528.365,"end":528.865,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.10946957021951675},{"word":"and","start":530.94,"end":531.26,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0852956771850586},{"word":"then","start":531.26,"end":531.76,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12135431915521622},{"word":"your","start":531.82,"end":532.13995,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1192501187324524},{"word":"lifestyle","start":532.13995,"end":532.63995,"confidence":0.9873047,"punctuated_word":"lifestyle","sentiment":"neutral","sentiment_score":0.1037016585469246},{"word":"and","start":532.69995,"end":533.1,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12653085589408877},{"word":"assets","start":533.1,"end":533.6,"confidence":0.9785156,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.12913483381271362},{"word":"your","start":534.22,"end":534.62,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15932802855968475},{"word":"current","start":534.62,"end":535.1,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.12376979738473892},{"word":"super","start":535.1,"end":535.57996,"confidence":0.83203125,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.17914173007011414},{"word":"so","start":535.57996,"end":535.74,"confidence":0.93408203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15915685892105105},{"word":"it's","start":535.74,"end":535.89996,"confidence":0.95410156,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14574605226516724},{"word":"spread","start":535.89996,"end":536.13995,"confidence":1.0,"punctuated_word":"spread","sentiment":"neutral","sentiment_score":0.14733189344406128},{"word":"across","start":536.13995,"end":536.63995,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.0888432115316391},{"word":"hub","start":536.77997,"end":537.1,"confidence":0.6845703,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.08421686291694641},{"word":"twenty","start":537.1,"end":537.5,"confidence":0.9873047,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.10166782140731812},{"word":"four","start":537.5,"end":537.82,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.07277382165193558},{"word":"and","start":537.82,"end":538.06,"confidence":0.91503906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.033169541507959366},{"word":"q","start":538.06,"end":538.38,"confidence":0.8198242,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.06810463219881058},{"word":"super","start":538.38,"end":538.77997,"confidence":0.7524414,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.08920027315616608},{"word":"and","start":538.77997,"end":539.01996,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08864623308181763},{"word":"your","start":539.01996,"end":539.33997,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08324684202671051},{"word":"current","start":539.33997,"end":539.82,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.05043962597846985},{"word":"policies","start":539.82,"end":540.32,"confidence":0.96875,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.04603296518325806},{"word":"within","start":540.38,"end":540.77997,"confidence":0.9970703,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.052442871034145355},{"word":"q","start":540.77997,"end":541.1,"confidence":0.99609375,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.08082602173089981},{"word":"super","start":541.1,"end":541.6,"confidence":0.99560547,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.07866271585226059},{"word":"the","start":544.33496,"end":544.57495,"confidence":0.9902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.028305452316999435},{"word":"following","start":544.57495,"end":545.055,"confidence":1.0,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.030549459159374237},{"word":"page","start":545.055,"end":545.295,"confidence":0.9873047,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.02665749192237854},{"word":"is","start":545.295,"end":545.45496,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04910858720541},{"word":"your","start":545.45496,"end":545.615,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05222540348768234},{"word":"risk","start":545.615,"end":545.935,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.02688399702310562},{"word":"profile","start":545.935,"end":546.435,"confidence":0.98828125,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":-0.0023231208324432373},{"word":"so","start":546.495,"end":546.975,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07449577748775482},{"word":"i","start":546.975,"end":547.21497,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.111686609685421},{"word":"just","start":547.21497,"end":547.45496,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11185688525438307},{"word":"wanted","start":547.45496,"end":547.77496,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1078025996685028},{"word":"to","start":547.77496,"end":547.935,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0983048528432846},{"word":"touch","start":547.935,"end":548.175,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.18611417710781095},{"word":"on","start":548.175,"end":548.255,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.216629296541214},{"word":"this","start":548.255,"end":548.495,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1566563844680786},{"word":"quickly","start":548.495,"end":548.815,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.26704904437065125},{"word":"because","start":548.815,"end":549.13495,"confidence":0.8432617,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13062450289726257},{"word":"i","start":549.13495,"end":549.295,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16564302146434784},{"word":"do","start":549.295,"end":549.45496,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1600034534931183},{"word":"know","start":549.45496,"end":549.77496,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.18508440256118777},{"word":"and","start":549.935,"end":550.095,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1331598460674286},{"word":"i","start":550.095,"end":550.255,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1536898910999298},{"word":"recall","start":550.255,"end":550.65497,"confidence":0.99902344,"punctuated_word":"recall","sentiment":"neutral","sentiment_score":0.19734430313110352},{"word":"from","start":550.65497,"end":550.89496,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1594635546207428},{"word":"our","start":550.89496,"end":551.055,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.17465654015541077},{"word":"previous","start":551.055,"end":551.535,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.19727608561515808},{"word":"conversations","start":551.535,"end":552.035,"confidence":0.8598633,"punctuated_word":"conversations,","sentiment":"neutral","sentiment_score":0.16138924658298492},{"word":"i","start":552.095,"end":552.255,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1583143025636673},{"word":"just","start":552.255,"end":552.57495,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14550690352916718},{"word":"wanna","start":552.57495,"end":552.815,"confidence":0.97802734,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1477852463722229},{"word":"make","start":552.815,"end":552.975,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05848991870880127},{"word":"sure","start":552.975,"end":553.21497,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10915888845920564},{"word":"that","start":553.21497,"end":553.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09451662003993988},{"word":"you","start":553.375,"end":553.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19429261982440948},{"word":"are","start":553.535,"end":553.695,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.061151668429374695},{"word":"absolutely","start":553.695,"end":554.195,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.13213874399662018},{"word":"comfortable","start":554.33496,"end":554.83496,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.0491764098405838},{"word":"with","start":554.89496,"end":555.055,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19185875356197357},{"word":"it","start":555.055,"end":555.295,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24228322505950928},{"word":"because","start":555.295,"end":555.795,"confidence":0.9560547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09269705414772034},{"word":"there","start":556.57495,"end":556.815,"confidence":0.9375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.023470118641853333},{"word":"was","start":556.815,"end":557.055,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05634793639183045},{"word":"a","start":557.055,"end":557.21497,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03820374608039856},{"word":"lot","start":557.21497,"end":557.45496,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.06147271394729614},{"word":"going","start":557.45496,"end":557.77496,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.03009478747844696},{"word":"on","start":557.77496,"end":558.27496,"confidence":0.9602051,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.03526325523853302},{"word":"grow","start":559.91003,"end":560.23004,"confidence":0.9111328,"punctuated_word":"Grow","sentiment":"neutral","sentiment_score":0.25256893038749695},{"word":"a","start":560.39,"end":560.55,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.205369234085083},{"word":"growth","start":560.55,"end":560.95,"confidence":0.7446289,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.26245468854904175},{"word":"risk","start":560.95,"end":561.35004,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.1111450046300888},{"word":"profile","start":561.35004,"end":561.85004,"confidence":0.98706055,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":-0.02703208662569523},{"word":"so","start":561.91003,"end":562.41003,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013736307621002196},{"word":"in","start":565.51,"end":565.83,"confidence":0.9526367,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03573150560259819},{"word":"our","start":565.83,"end":566.15,"confidence":0.9970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.017199158668518066},{"word":"our","start":566.15,"end":566.31,"confidence":0.95410156,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.017751067876815796},{"word":"previous","start":566.31,"end":566.81,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":-0.024930782616138455},{"word":"conversation","start":566.87,"end":567.37,"confidence":0.99658203,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":-0.011077206581830978},{"word":"you","start":568.15,"end":568.39,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03251998499035835},{"word":"prob","start":568.39,"end":568.71,"confidence":0.60302734,"punctuated_word":"prob","sentiment":"neutral","sentiment_score":-0.0428900271654129},{"word":"there","start":569.27,"end":569.51,"confidence":0.9941406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.06366810202598572},{"word":"was","start":569.51,"end":569.67004,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09329584240913393},{"word":"obviously","start":569.67004,"end":570.07,"confidence":0.9160156,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.11191784590482712},{"word":"a","start":570.07,"end":570.23004,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17200054228305817},{"word":"lot","start":570.23004,"end":570.39,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.17923590540885925},{"word":"going","start":570.39,"end":570.63,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.23326212167739868},{"word":"on","start":570.63,"end":570.79004,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2153432071208954},{"word":"for","start":570.79004,"end":570.95,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.21226435899734497},{"word":"you","start":570.95,"end":571.11,"confidence":0.9172363,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.1607297509908676},{"word":"and","start":571.11,"end":571.485,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16894309222698212},{"word":"you","start":571.565,"end":571.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2602423429489136},{"word":"were","start":571.805,"end":572.305,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.2423667907714844},{"word":"not","start":572.365,"end":572.605,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24807380139827728},{"word":"able","start":572.605,"end":572.925,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.2661818265914917},{"word":"to","start":572.925,"end":573.005,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28006628155708313},{"word":"answer","start":573.005,"end":573.40497,"confidence":1.0,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.2639748454093933},{"word":"some","start":573.40497,"end":573.565,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.3209175169467926},{"word":"of","start":573.565,"end":573.725,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3606680631637573},{"word":"the","start":573.725,"end":573.885,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.33025461435317993},{"word":"questions","start":573.885,"end":574.365,"confidence":0.9794922,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":-0.23652532696723935},{"word":"so","start":574.365,"end":574.605,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08387026935815811},{"word":"i","start":574.605,"end":574.765,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11772675812244417},{"word":"just","start":574.765,"end":575.08496,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03240172564983368},{"word":"wanna","start":575.08496,"end":575.40497,"confidence":0.9873047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03657927364110947},{"word":"make","start":575.40497,"end":575.64496,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.00427660346031189},{"word":"sure","start":575.64496,"end":575.96497,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08538943529129028},{"word":"that","start":575.96497,"end":576.20496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03689262270927429},{"word":"you","start":576.20496,"end":576.52496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04988943040370941},{"word":"understand","start":576.52496,"end":577.02496,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.003843829035758972},{"word":"a","start":577.325,"end":577.485,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.044477179646492},{"word":"growth","start":577.485,"end":577.885,"confidence":0.93359375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.08803364634513855},{"word":"risk","start":577.885,"end":578.125,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.051406435668468475},{"word":"profile","start":578.125,"end":578.605,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":-0.07286787033081055},{"word":"and","start":578.605,"end":578.765,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03749425709247589},{"word":"that","start":578.765,"end":578.925,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03565989434719086},{"word":"you","start":578.925,"end":579.08496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07001227140426636},{"word":"are","start":579.08496,"end":579.325,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.016483545303344727},{"word":"100%","start":579.325,"end":580.285,"confidence":0.9970703,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.1140887290239334},{"word":"comfortable","start":580.285,"end":580.785,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.034356728196144104},{"word":"with","start":580.845,"end":581.005,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11717000603675842},{"word":"it","start":581.005,"end":581.485,"confidence":0.9890137,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04462900012731552},{"word":"so","start":581.485,"end":581.64496,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.050749871879816055},{"word":"i'm","start":581.64496,"end":581.805,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0709175169467926},{"word":"just","start":581.805,"end":581.96497,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05302400887012482},{"word":"gonna","start":581.96497,"end":582.285,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04421841353178024},{"word":"spend","start":582.285,"end":582.52496,"confidence":0.99902344,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.04341032356023789},{"word":"a","start":582.52496,"end":582.685,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03982645645737648},{"word":"minute","start":582.685,"end":582.925,"confidence":1.0,"punctuated_word":"minute","sentiment":"neutral","sentiment_score":0.057201236486434937},{"word":"or","start":582.925,"end":583.08496,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.033220235258340836},{"word":"two","start":583.08496,"end":583.40497,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.02278023585677147},{"word":"explaining","start":583.40497,"end":583.885,"confidence":1.0,"punctuated_word":"explaining","sentiment":"neutral","sentiment_score":0.03698545694351196},{"word":"a","start":583.885,"end":584.045,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028909824788570404},{"word":"grow","start":584.045,"end":584.20496,"confidence":0.38916016,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.033879056572914124},{"word":"a","start":584.365,"end":584.445,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03286176919937134},{"word":"growth","start":584.445,"end":584.765,"confidence":0.9453125,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.012857746332883837},{"word":"risk","start":584.765,"end":585.005,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0116218701004982},{"word":"profile","start":585.005,"end":585.505,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.012355506420135498},{"word":"to","start":585.565,"end":585.725,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04625096172094345},{"word":"you","start":585.725,"end":586.17,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.02502333372831345},{"word":"so","start":588.41,"end":588.73,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06431649625301361},{"word":"what","start":588.73,"end":588.97,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06280793994665146},{"word":"a","start":588.97,"end":589.13,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026629645377397537},{"word":"gross","start":589.13,"end":589.45,"confidence":0.9873047,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.029593639075756073},{"word":"risk","start":589.45,"end":589.69,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0008141472935676575},{"word":"profile","start":589.69,"end":590.19,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.01088590919971466},{"word":"is","start":590.25,"end":590.64996,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02104075253009796},{"word":"is","start":590.64996,"end":590.81,"confidence":0.7519531,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.006818197667598724},{"word":"that","start":590.81,"end":591.31,"confidence":0.796875,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.011474058032035828},{"word":"typically","start":591.69,"end":592.19,"confidence":0.9995117,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":-0.0244562067091465},{"word":"you","start":592.32996,"end":592.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009614437818527222},{"word":"would","start":592.49,"end":592.73,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0009328946471214294},{"word":"see","start":592.73,"end":593.05,"confidence":0.98291016,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.010083213448524477},{"word":"about","start":593.05,"end":593.37,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.032178886234760284},{"word":"80%","start":593.37,"end":594.01,"confidence":1.0,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.0025826524943113327},{"word":"of","start":594.01,"end":594.17,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0020407140254974365},{"word":"your","start":594.17,"end":594.49,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0003888718783855438},{"word":"assets","start":594.49,"end":594.97,"confidence":0.99902344,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.012873142957687378},{"word":"allocated","start":594.97,"end":595.47,"confidence":1.0,"punctuated_word":"allocated","sentiment":"neutral","sentiment_score":0.021889030933380127},{"word":"to","start":595.69,"end":596.19,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004960179328918457},{"word":"growth","start":596.49,"end":596.99,"confidence":0.7578125,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.023646600544452667},{"word":"which","start":597.29,"end":597.52997,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03814250975847244},{"word":"is","start":597.52997,"end":598.02997,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.040789082646369934},{"word":"international","start":598.97,"end":599.47,"confidence":0.90722656,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.05311908572912216},{"word":"and","start":599.76996,"end":600.01,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005460936576128006},{"word":"australian","start":600.01,"end":600.51,"confidence":0.9707031,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.03565619885921478},{"word":"shares","start":600.64996,"end":601.05,"confidence":0.9970703,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.01953313499689102},{"word":"and","start":601.05,"end":601.29,"confidence":0.9472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0006609335541725159},{"word":"some","start":601.29,"end":601.45,"confidence":0.9892578,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.020948901772499084},{"word":"property","start":601.45,"end":601.95,"confidence":0.99316406,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.00803440809249878},{"word":"exposure","start":602.385,"end":602.885,"confidence":0.7919922,"punctuated_word":"exposure.","sentiment":"neutral","sentiment_score":-0.019371891394257545},{"word":"so","start":602.945,"end":603.10504,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.012385603040456772},{"word":"some","start":603.10504,"end":603.34503,"confidence":0.79003906,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.01878056675195694},{"word":"listed","start":603.34503,"end":603.825,"confidence":0.96533203,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":-0.012186698615550997},{"word":"property","start":603.825,"end":604.325,"confidence":0.99609375,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.021208252757787704},{"word":"with","start":604.945,"end":605.10504,"confidence":0.8222656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03040473908185959},{"word":"the","start":605.10504,"end":605.34503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01299566775560379},{"word":"remaining","start":605.34503,"end":605.825,"confidence":1.0,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":-0.023695074021816257},{"word":"estimated","start":605.825,"end":606.325,"confidence":1.0,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":-0.015394054353237152},{"word":"20%","start":606.54504,"end":607.365,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.015990547835826874},{"word":"allocated","start":608.065,"end":608.54504,"confidence":0.9790039,"punctuated_word":"allocated","sentiment":"neutral","sentiment_score":0.03005966544151306},{"word":"to","start":608.54504,"end":608.78503,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01355414092540741},{"word":"items","start":608.78503,"end":609.265,"confidence":1.0,"punctuated_word":"items","sentiment":"neutral","sentiment_score":0.01795915886759758},{"word":"like","start":609.265,"end":609.585,"confidence":0.9394531,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.023139864206314087},{"word":"fixed","start":609.585,"end":609.825,"confidence":0.99902344,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":-0.01025364175438881},{"word":"interest","start":609.825,"end":610.325,"confidence":0.96435547,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.002325870096683502},{"word":"and","start":610.385,"end":610.625,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03385814279317856},{"word":"cash","start":610.625,"end":611.125,"confidence":0.9926758,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":-0.012446152046322824},{"word":"so","start":611.185,"end":611.685,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01215934008359909},{"word":"they're","start":611.745,"end":611.98505,"confidence":0.970459,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.0003126288647763431},{"word":"more","start":611.98505,"end":612.22504,"confidence":0.99316406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.04180005192756653},{"word":"the","start":612.22504,"end":612.385,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018842987716197968},{"word":"income","start":612.385,"end":612.705,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.035715825855731964},{"word":"producing","start":612.705,"end":613.205,"confidence":1.0,"punctuated_word":"producing","sentiment":"neutral","sentiment_score":0.1010235920548439},{"word":"parts","start":614.54504,"end":614.865,"confidence":0.98095703,"punctuated_word":"parts","sentiment":"neutral","sentiment_score":0.05921226739883423},{"word":"of","start":614.865,"end":615.025,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03998693823814392},{"word":"your","start":615.025,"end":615.525,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.050644196569919586},{"word":"of","start":615.66504,"end":615.825,"confidence":0.54296875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05867487192153931},{"word":"your","start":615.825,"end":616.325,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016072943806648254},{"word":"balance","start":616.385,"end":616.78503,"confidence":0.91625977,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.014907564967870712},{"word":"whereas","start":616.78503,"end":617.28503,"confidence":0.9980469,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.05648600310087204},{"word":"the","start":617.34503,"end":617.505,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10253167152404784},{"word":"growth","start":617.505,"end":618.005,"confidence":0.7680664,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.12105657160282136},{"word":"is","start":618.75,"end":618.91003,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1405523419380188},{"word":"the","start":618.91003,"end":619.07,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1246667131781578},{"word":"part","start":619.07,"end":619.39,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.11176546663045885},{"word":"that","start":619.39,"end":619.71,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14419618248939514},{"word":"experiences","start":619.71,"end":620.21,"confidence":0.99121094,"punctuated_word":"experiences","sentiment":"neutral","sentiment_score":-0.1707063913345337},{"word":"the","start":620.43005,"end":620.59,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16191408038139343},{"word":"most","start":620.59,"end":620.99005,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.12236306071281432},{"word":"volatility","start":620.99005,"end":621.49005,"confidence":0.9975586,"punctuated_word":"volatility.","sentiment":"neutral","sentiment_score":-0.1239694207906723},{"word":"so","start":622.67004,"end":623.17004,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015646394342184067},{"word":"if","start":624.43005,"end":624.59,"confidence":0.6376953,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10693670809268951},{"word":"you","start":624.59,"end":624.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08231423795223236},{"word":"recall","start":624.75,"end":625.23004,"confidence":0.99365234,"punctuated_word":"recall,","sentiment":"neutral","sentiment_score":-0.07552158087491989},{"word":"i","start":625.23004,"end":625.47003,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17069613933563232},{"word":"we","start":625.55005,"end":625.71,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08436304330825806},{"word":"went","start":625.71,"end":625.95,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.06951244175434113},{"word":"through","start":625.95,"end":626.43005,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.08268577605485916},{"word":"a","start":626.43005,"end":626.67004,"confidence":0.5776367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0573798269033432},{"word":"vanguard","start":626.67004,"end":627.17004,"confidence":0.80615234,"punctuated_word":"Vanguard,","sentiment":"neutral","sentiment_score":-0.03784792870283127},{"word":"that","start":627.39,"end":627.71,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02045607566833496},{"word":"lovely","start":627.71,"end":628.21,"confidence":0.9951172,"punctuated_word":"lovely","sentiment":"neutral","sentiment_score":0.15316301584243774},{"word":"chart","start":628.35004,"end":628.83,"confidence":0.9892578,"punctuated_word":"chart","sentiment":"neutral","sentiment_score":0.013155408203601835},{"word":"that","start":628.83,"end":629.07,"confidence":0.9370117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03763590008020401},{"word":"shows","start":629.07,"end":629.55005,"confidence":0.63623047,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.021267935633659363},{"word":"the","start":629.55005,"end":629.87006,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05250155180692673},{"word":"ups","start":629.87006,"end":630.11005,"confidence":1.0,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.08759461343288422},{"word":"and","start":630.11005,"end":630.35004,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13181765377521515},{"word":"downs","start":630.35004,"end":630.75,"confidence":0.99902344,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.13490739464759827},{"word":"of","start":630.75,"end":630.91003,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18387886881828308},{"word":"the","start":630.91003,"end":631.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17370444536209106},{"word":"market","start":631.15,"end":631.65,"confidence":0.98535156,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.16968001425266266},{"word":"so","start":632.235,"end":632.735,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0748329907655716},{"word":"those","start":633.195,"end":633.275,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.13407352566719055},{"word":"extremely","start":633.275,"end":633.775,"confidence":1.0,"punctuated_word":"extremely","sentiment":"neutral","sentiment_score":-0.2505359947681427},{"word":"volatile","start":633.915,"end":634.415,"confidence":1.0,"punctuated_word":"volatile","sentiment":"neutral","sentiment_score":-0.1748751699924469},{"word":"ones","start":634.555,"end":635.055,"confidence":0.99902344,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.2384074628353119},{"word":"are","start":635.915,"end":635.995,"confidence":0.50927734,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.18318870663642883},{"word":"is","start":636.075,"end":636.235,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18600116670131683},{"word":"where","start":636.235,"end":636.555,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.25122228264808655},{"word":"80%","start":636.555,"end":637.195,"confidence":1.0,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":-0.22972095012664795},{"word":"of","start":637.195,"end":637.355,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.253505676984787},{"word":"your","start":637.355,"end":637.595,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.16028743982315063},{"word":"funds","start":637.595,"end":638.075,"confidence":0.9448242,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.19592826068401337},{"word":"sit","start":638.075,"end":638.575,"confidence":0.98339844,"punctuated_word":"sit.","sentiment":"neutral","sentiment_score":-0.12598013877868652},{"word":"what","start":639.195,"end":639.515,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.01564890146255493},{"word":"we","start":639.515,"end":639.835,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02445707470178604},{"word":"say","start":639.835,"end":640.335,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0005332082509994507},{"word":"is","start":640.395,"end":640.635,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04408116638660431},{"word":"that","start":640.635,"end":641.135,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04746311157941818},{"word":"for","start":641.435,"end":641.675,"confidence":0.9667969,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08631742745637894},{"word":"a","start":641.675,"end":641.915,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0061193667352199554},{"word":"gross","start":641.915,"end":642.315,"confidence":0.7607422,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.06826326251029968},{"word":"risk","start":642.315,"end":642.635,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.05220741778612137},{"word":"profile","start":642.635,"end":643.135,"confidence":0.99853516,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":-0.02392174676060677},{"word":"you","start":643.355,"end":643.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009783081710338593},{"word":"should","start":643.435,"end":643.675,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.0157235786318779},{"word":"be","start":643.675,"end":644.175,"confidence":0.97509766,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02185095846652985},{"word":"invested","start":644.315,"end":644.815,"confidence":0.98535156,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.06697695702314377},{"word":"in","start":644.875,"end":645.115,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0234772264957428},{"word":"that","start":645.115,"end":645.435,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0029605701565742493},{"word":"type","start":645.435,"end":645.675,"confidence":1.0,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.03453157842159271},{"word":"of","start":645.675,"end":646.175,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0022588148713111877},{"word":"profile","start":646.315,"end":646.815,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":-0.0010401234030723572},{"word":"for","start":646.875,"end":647.115,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04192893207073212},{"word":"a","start":647.115,"end":647.195,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03200790286064148},{"word":"minimum","start":647.195,"end":647.675,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.07616467028856277},{"word":"of","start":647.675,"end":647.97,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00865277647972107},{"word":"six","start":648.05,"end":648.29,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.08382651209831238},{"word":"years","start":648.29,"end":648.79,"confidence":0.7636719,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.009341876953840256},{"word":"what","start":649.08997,"end":649.41,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.009055741131305696},{"word":"that","start":649.41,"end":649.56995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11007186770439148},{"word":"does","start":649.56995,"end":649.88995,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.09695973247289658},{"word":"is","start":649.88995,"end":650.12994,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08619281649589539},{"word":"it","start":650.12994,"end":650.20996,"confidence":0.7470703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18286681175231936},{"word":"allows","start":650.20996,"end":650.61,"confidence":1.0,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.13490627706050873},{"word":"you","start":650.61,"end":650.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16642120480537417},{"word":"to","start":650.85,"end":651.35,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14132405817508698},{"word":"statistically","start":652.20996,"end":652.70996,"confidence":0.97509766,"punctuated_word":"statistically","sentiment":"neutral","sentiment_score":0.17501413822174072},{"word":"withstand","start":653.17,"end":653.67,"confidence":0.9951172,"punctuated_word":"withstand","sentiment":"neutral","sentiment_score":0.08246131986379623},{"word":"the","start":654.68994,"end":654.93,"confidence":0.7211914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03751221299171448},{"word":"market","start":654.93,"end":655.32996,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.1970955729484558},{"word":"fluctuations","start":655.32996,"end":655.82996,"confidence":1.0,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.0811268538236618},{"word":"and","start":656.12994,"end":656.37,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0007280111312866211},{"word":"variations","start":656.37,"end":656.87,"confidence":1.0,"punctuated_word":"variations","sentiment":"neutral","sentiment_score":-0.07847239077091217},{"word":"that","start":656.93,"end":657.17,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06233413517475128},{"word":"we","start":657.17,"end":657.32996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0003776848316192627},{"word":"see","start":657.32996,"end":657.82996,"confidence":0.90063477,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.00103846937417984},{"word":"and","start":658.29,"end":658.52997,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0702977105975151},{"word":"then","start":658.52997,"end":659.00995,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.2772655189037323},{"word":"the","start":659.00995,"end":659.25,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4042357504367829},{"word":"likelihood","start":659.25,"end":659.75,"confidence":1.0,"punctuated_word":"likelihood","sentiment":"negative","sentiment_score":-0.5331503748893738},{"word":"of","start":659.81,"end":660.015,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5702265501022339},{"word":"having","start":660.015,"end":660.255,"confidence":1.0,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.6108227372169495},{"word":"a","start":660.255,"end":660.41504,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6209276914596558},{"word":"negative","start":660.41504,"end":660.91504,"confidence":1.0,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.6979037523269653},{"word":"return","start":660.97504,"end":661.47504,"confidence":1.0,"punctuated_word":"return","sentiment":"negative","sentiment_score":-0.7429615259170532},{"word":"in","start":661.53503,"end":661.695,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.573809027671814},{"word":"a","start":661.695,"end":661.85504,"confidence":0.99609375,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5840786695480347},{"word":"gross","start":661.85504,"end":662.175,"confidence":0.53466797,"punctuated_word":"gross","sentiment":"negative","sentiment_score":-0.5967827439308167},{"word":"portfolio","start":662.175,"end":662.675,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.5397135019302368},{"word":"is","start":662.895,"end":663.055,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.5209563374519348},{"word":"approximately","start":663.055,"end":663.555,"confidence":0.9970703,"punctuated_word":"approximately","sentiment":"negative","sentiment_score":-0.47935226559638977},{"word":"one","start":663.695,"end":663.935,"confidence":0.99902344,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.5534586906433105},{"word":"in","start":663.935,"end":664.175,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4794554114341736},{"word":"every","start":664.175,"end":664.495,"confidence":1.0,"punctuated_word":"every","sentiment":"negative","sentiment_score":-0.4014234840869904},{"word":"five","start":664.495,"end":664.735,"confidence":0.9980469,"punctuated_word":"five","sentiment":"negative","sentiment_score":-0.5016751289367676},{"word":"years","start":664.735,"end":665.235,"confidence":0.99902344,"punctuated_word":"years","sentiment":"negative","sentiment_score":-0.5040627121925354},{"word":"due","start":665.29504,"end":665.53503,"confidence":0.98828125,"punctuated_word":"due","sentiment":"negative","sentiment_score":-0.5301373600959778},{"word":"to","start":665.53503,"end":665.615,"confidence":0.9951172,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5843170881271362},{"word":"that","start":665.615,"end":665.935,"confidence":0.99121094,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.557878315448761},{"word":"volatility","start":665.935,"end":666.435,"confidence":0.99902344,"punctuated_word":"volatility.","sentiment":"negative","sentiment_score":-0.4942616224288941},{"word":"so","start":668.335,"end":668.735,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0724334791302681},{"word":"i","start":668.735,"end":668.895,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08141061663627625},{"word":"think","start":668.895,"end":669.395,"confidence":0.99316406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.01114782691001892},{"word":"what","start":670.015,"end":670.255,"confidence":0.63916016,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05192190408706665},{"word":"i","start":670.255,"end":670.41504,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027346491813659668},{"word":"just","start":670.41504,"end":670.655,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10070380568504332},{"word":"wanna","start":670.655,"end":671.055,"confidence":0.92089844,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13776664435863495},{"word":"confirm","start":671.055,"end":671.53503,"confidence":0.9980469,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.1055782362818718},{"word":"is","start":671.53503,"end":671.775,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1259683072566986},{"word":"that","start":671.775,"end":672.275,"confidence":0.875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10468510538339616},{"word":"you","start":672.735,"end":672.97504,"confidence":0.9536133,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16308917105197906},{"word":"are","start":672.97504,"end":673.015,"confidence":0.9160156,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1580522060394287},{"word":"you","start":673.015,"end":673.05505,"confidence":0.8310547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14626622200012207},{"word":"are","start":673.05505,"end":673.09503,"confidence":0.8491211,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13451841473579407},{"word":"comfortable","start":673.09503,"end":673.135,"confidence":0.84228516,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.07860548794269562},{"word":"with","start":673.135,"end":673.17505,"confidence":0.85595703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1669883131980896},{"word":"that","start":673.17505,"end":673.215,"confidence":0.8864746,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.13627704977989197},{"word":"do","start":673.215,"end":673.255,"confidence":0.63378906,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.014803320169448853},{"word":"you","start":673.255,"end":673.29504,"confidence":0.67089844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03788437694311142},{"word":"understand","start":673.29504,"end":673.335,"confidence":0.7844238,"punctuated_word":"understand?","sentiment":"neutral","sentiment_score":0.00983266532421112},{"word":"do","start":673.335,"end":673.375,"confidence":0.78271484,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.06250349432229996},{"word":"you","start":673.375,"end":673.41504,"confidence":0.6582031,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06390096247196198},{"word":"have","start":673.41504,"end":673.455,"confidence":0.5541992,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1043671891093254},{"word":"any","start":673.455,"end":673.705,"confidence":0.6665039,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1403852552175522},{"word":"questions","start":673.705,"end":674.205,"confidence":0.6203613,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":-0.18678495287895203},{"word":"provide","start":686.92,"end":687.42,"confidence":0.7734375,"punctuated_word":"Provide","sentiment":"negative","sentiment_score":-0.5104409456253052},{"word":"further","start":687.65497,"end":688.15497,"confidence":0.9970703,"punctuated_word":"further","sentiment":"negative","sentiment_score":-0.4248232841491699},{"word":"anxiety","start":688.695,"end":689.175,"confidence":1.0,"punctuated_word":"anxiety","sentiment":"negative","sentiment_score":-0.4124816656112671},{"word":"or","start":689.175,"end":689.415,"confidence":0.99902344,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.5171612501144409},{"word":"worry","start":689.415,"end":689.915,"confidence":0.97314453,"punctuated_word":"worry.","sentiment":"negative","sentiment_score":-0.3730766177177429},{"word":"yeah","start":695.415,"end":695.915,"confidence":0.9680176,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09932232648134232},{"word":"so","start":695.975,"end":696.135,"confidence":0.8984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09468136727809906},{"word":"the","start":696.135,"end":696.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10129432380199432},{"word":"the","start":696.455,"end":696.775,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12263700366020204},{"word":"alternative","start":696.775,"end":697.275,"confidence":0.99902344,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.19223597645759585},{"word":"i'll","start":697.65497,"end":697.895,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.04128175601363182},{"word":"give","start":697.895,"end":698.055,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.02117282897233963},{"word":"you","start":698.055,"end":698.21497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003770269453525543},{"word":"the","start":698.21497,"end":698.375,"confidence":0.95410156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03996899724006653},{"word":"alternative","start":698.375,"end":698.875,"confidence":0.99902344,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.1343277394771576},{"word":"is","start":699.015,"end":699.515,"confidence":0.93603516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.022845350205898285},{"word":"is","start":699.77997,"end":700.01996,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.050627656280994415},{"word":"a","start":700.01996,"end":700.33997,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05072048306465149},{"word":"balanced","start":700.33997,"end":700.82,"confidence":0.6791992,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":-0.11979839950799942},{"word":"growth","start":700.82,"end":701.22,"confidence":0.8388672,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":-0.03805920109152794},{"word":"so","start":701.22,"end":701.38,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015866972506046295},{"word":"that's","start":701.38,"end":701.62,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.026585042476654053},{"word":"the","start":701.62,"end":701.77997,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03692173957824707},{"word":"one","start":701.77997,"end":702.1,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06975503265857697},{"word":"below","start":702.1,"end":702.42,"confidence":1.0,"punctuated_word":"below","sentiment":"neutral","sentiment_score":-0.0565701425075531},{"word":"it","start":702.42,"end":702.92,"confidence":0.83862305,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.07740314304828644},{"word":"and","start":703.22,"end":703.54,"confidence":0.82470703,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.11552322655916214},{"word":"typically","start":703.54,"end":704.04,"confidence":1.0,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":-0.15977993607521057},{"word":"it","start":704.25995,"end":704.42,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16345205903053284},{"word":"would","start":704.42,"end":704.57996,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.15353918075561523},{"word":"be","start":704.57996,"end":704.74,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15280941128730774},{"word":"a","start":704.74,"end":704.98,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17053663730621338},{"word":"seventy","start":704.98,"end":705.48,"confidence":0.99121094,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":-0.18029281497001648},{"word":"thirty","start":705.54,"end":706.01996,"confidence":0.9038086,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.16000190377235413},{"word":"split","start":706.01996,"end":706.51996,"confidence":0.9699707,"punctuated_word":"split.","sentiment":"neutral","sentiment_score":-0.1311139464378357},{"word":"so","start":706.89996,"end":707.06,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08949589729309082},{"word":"that","start":707.06,"end":707.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09405415505170822},{"word":"would","start":707.22,"end":707.45996,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0809183120727539},{"word":"be","start":707.45996,"end":707.77997,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08587262779474258},{"word":"70%","start":707.77997,"end":708.74,"confidence":0.9995117,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":-0.050205253064632416},{"word":"growth","start":708.74,"end":709.22,"confidence":0.89868164,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":-0.0851665586233139},{"word":"30%","start":709.22,"end":710.1,"confidence":1.0,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":-0.10498657822608948},{"word":"defensive","start":710.1,"end":710.6,"confidence":0.99853516,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":-0.20257386565208435},{"word":"this","start":711.69995,"end":712.01996,"confidence":0.99902344,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.24647510051727295},{"word":"one","start":712.01996,"end":712.25995,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.3061795234680176},{"word":"is","start":712.25995,"end":712.57996,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3085789084434509},{"word":"more","start":712.57996,"end":713.06,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.31880924105644226},{"word":"a","start":713.06,"end":713.56,"confidence":0.9506836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3171653747558594},{"word":"a","start":715.105,"end":715.265,"confidence":0.9921875,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.362013041973114},{"word":"minimum","start":715.265,"end":715.745,"confidence":0.99902344,"punctuated_word":"minimum","sentiment":"negative","sentiment_score":-0.3853790760040283},{"word":"of","start":715.745,"end":715.985,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.38623109459877014},{"word":"a","start":715.985,"end":716.065,"confidence":0.6816406,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3518657684326172},{"word":"five","start":716.065,"end":716.385,"confidence":0.99902344,"punctuated_word":"five","sentiment":"negative","sentiment_score":-0.407133013010025},{"word":"year","start":716.385,"end":716.785,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.24900300800800323},{"word":"time","start":716.785,"end":717.02496,"confidence":0.95410156,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.26062583923339844},{"word":"frame","start":717.02496,"end":717.52496,"confidence":0.99902344,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":-0.3054782450199127},{"word":"investment","start":718.70496,"end":719.20496,"confidence":0.8959961,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.314445823431015},{"word":"with","start":719.58496,"end":719.825,"confidence":0.98095703,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.3990917205810547},{"word":"a","start":719.825,"end":719.985,"confidence":0.9921875,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.40046536922454834},{"word":"likelihood","start":719.985,"end":720.485,"confidence":0.99902344,"punctuated_word":"likelihood","sentiment":"negative","sentiment_score":-0.4626347720623016},{"word":"of","start":720.545,"end":720.70496,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.39550432562828064},{"word":"a","start":720.70496,"end":720.865,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4358276128768921},{"word":"negative","start":720.865,"end":721.265,"confidence":1.0,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.4872521162033081},{"word":"return","start":721.265,"end":721.665,"confidence":0.9770508,"punctuated_word":"return","sentiment":"negative","sentiment_score":-0.5734769105911255},{"word":"in","start":721.665,"end":721.745,"confidence":0.99316406,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4804531633853912},{"word":"one","start":721.745,"end":721.985,"confidence":0.9951172,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.41701191663742065},{"word":"in","start":721.985,"end":722.14496,"confidence":0.9980469,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.37442901730537415},{"word":"every","start":722.14496,"end":722.625,"confidence":0.9980469,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.32061612606048584},{"word":"six","start":722.625,"end":723.02496,"confidence":0.99902344,"punctuated_word":"six","sentiment":"negative","sentiment_score":-0.4041038453578949},{"word":"years","start":723.02496,"end":723.52496,"confidence":1.0,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.13597248494625092},{"word":"the","start":725.02496,"end":725.185,"confidence":0.96435547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.20171141624450684},{"word":"variance","start":725.185,"end":725.685,"confidence":0.9951172,"punctuated_word":"variance","sentiment":"neutral","sentiment_score":-0.17353713512420654},{"word":"of","start":725.825,"end":726.225,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27755260467529297},{"word":"expected","start":726.225,"end":726.725,"confidence":1.0,"punctuated_word":"expected","sentiment":"negative","sentiment_score":-0.3891022801399231},{"word":"volatility","start":726.865,"end":727.365,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.2574242353439331},{"word":"is","start":727.90497,"end":728.40497,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3066977560520172},{"word":"plus","start":728.545,"end":728.945,"confidence":1.0,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.2317546010017395},{"word":"or","start":728.945,"end":729.105,"confidence":1.0,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.38174140453338623},{"word":"minus","start":729.105,"end":729.605,"confidence":1.0,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":-0.29913580417633057},{"word":"8%","start":729.81995,"end":730.56,"confidence":0.9559326,"punctuated_word":"8%,","sentiment":"neutral","sentiment_score":-0.26938730478286743},{"word":"whereas","start":730.86,"end":731.33997,"confidence":0.99902344,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.20906394720077515},{"word":"the","start":731.33997,"end":731.57996,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19706428050994873},{"word":"variance","start":731.57996,"end":732.06,"confidence":0.9941406,"punctuated_word":"variance","sentiment":"neutral","sentiment_score":-0.12698060274124146},{"word":"for","start":732.06,"end":732.37994,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13723301887512207},{"word":"a","start":732.37994,"end":732.54,"confidence":0.94921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10537180304527284},{"word":"growth","start":732.54,"end":733.04,"confidence":0.73291016,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.10793955624103546},{"word":"for","start":733.25995,"end":733.42,"confidence":0.68896484,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.115482896566391},{"word":"volatility","start":733.42,"end":733.92,"confidence":0.99902344,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.10906381905078888},{"word":"is","start":734.13995,"end":734.37994,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11410608887672424},{"word":"plus","start":734.37994,"end":734.69995,"confidence":1.0,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.04564506933093071},{"word":"or","start":734.69995,"end":734.86,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12796179950237274},{"word":"minus","start":734.86,"end":735.36,"confidence":1.0,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":-0.13990139961242676},{"word":"11%","start":735.42,"end":736.31995,"confidence":0.9992676,"punctuated_word":"11%.","sentiment":"neutral","sentiment_score":-0.17887994647026062},{"word":"so","start":736.62,"end":736.86,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.25637391209602356},{"word":"there","start":736.86,"end":737.01996,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.26789945363998413},{"word":"is","start":737.01996,"end":737.18,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2561700642108917},{"word":"a","start":737.18,"end":737.25995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21905872225761416},{"word":"bit","start":737.25995,"end":737.42,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24681341648101807},{"word":"of","start":737.42,"end":737.74,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3179086148738861},{"word":"a","start":737.74,"end":737.89996,"confidence":0.98095703,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3465293347835541},{"word":"gap","start":737.89996,"end":738.13995,"confidence":1.0,"punctuated_word":"gap","sentiment":"negative","sentiment_score":-0.4121924936771393},{"word":"there","start":738.13995,"end":738.37994,"confidence":0.9916992,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.3021445870399475},{"word":"there's","start":738.37994,"end":738.54,"confidence":0.99194336,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.2178492546081543},{"word":"about","start":738.54,"end":738.86,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.19195158779621124},{"word":"a","start":738.86,"end":738.94,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13328132033348083},{"word":"3%","start":738.94,"end":739.66,"confidence":0.99316406,"punctuated_word":"3%","sentiment":"neutral","sentiment_score":-0.1411861777305603},{"word":"gap","start":739.66,"end":740.16,"confidence":0.8601074,"punctuated_word":"gap,","sentiment":"neutral","sentiment_score":-0.15483981370925903},{"word":"and","start":741.01996,"end":741.18,"confidence":0.62841797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10502925515174866},{"word":"you've","start":741.18,"end":741.5,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.10239484161138536},{"word":"got","start":741.5,"end":741.66,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.10756663978099824},{"word":"a","start":741.66,"end":741.81995,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05797566473484039},{"word":"10","start":741.81995,"end":742.37994,"confidence":1.0,"punctuated_word":"10","sentiment":"neutral","sentiment_score":-0.0442940890789032},{"word":"less","start":742.37994,"end":742.725,"confidence":1.0,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.10702727735042572},{"word":"exposure","start":742.88495,"end":743.20496,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.3030086159706116},{"word":"to","start":743.20496,"end":743.52496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15834960341453552},{"word":"growth","start":743.52496,"end":743.845,"confidence":0.6484375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.3094787001609802},{"word":"assets","start":743.845,"end":744.345,"confidence":0.9003906,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.162163108587265},{"word":"and","start":744.40497,"end":744.88495,"confidence":0.8100586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1072249636054039},{"word":"a","start":744.88495,"end":745.045,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06790006905794144},{"word":"10%","start":745.045,"end":745.685,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":-0.04945431649684906},{"word":"more","start":745.685,"end":745.925,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.09100423753261566},{"word":"exposure","start":745.925,"end":746.425,"confidence":0.99902344,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.15206259489059448},{"word":"to","start":746.565,"end":747.065,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10708433389663696},{"word":"defensive","start":747.44495,"end":747.94495,"confidence":0.99609375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.24229882657527924},{"word":"assets","start":748.005,"end":748.505,"confidence":0.99853516,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":-0.12592214345932007},{"word":"so","start":749.20496,"end":749.70496,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04587404429912567},{"word":"what","start":750.32495,"end":750.485,"confidence":0.47802734,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16472451388835907},{"word":"yeah","start":751.365,"end":751.76495,"confidence":0.99072266,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2126782238483429},{"word":"i","start":751.76495,"end":751.925,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23054024577140808},{"word":"just","start":751.925,"end":752.165,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1793413609266281},{"word":"need","start":752.165,"end":752.485,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.22590786218643188},{"word":"to","start":752.485,"end":752.64496,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1996709257364273},{"word":"confirm","start":752.64496,"end":753.14496,"confidence":0.99902344,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.2566147446632385},{"word":"that","start":753.20496,"end":753.70496,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3070017099380493},{"word":"you're","start":754.485,"end":754.725,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4558551013469696},{"word":"happy","start":754.725,"end":755.225,"confidence":0.9941406,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5337554216384888},{"word":"with","start":755.45,"end":755.61,"confidence":0.9394531,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6486344337463379},{"word":"the","start":755.61,"end":755.77,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6339250802993774},{"word":"growth","start":755.77,"end":756.17,"confidence":0.66845703,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6826599836349487},{"word":"or","start":756.17,"end":756.33,"confidence":0.96875,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.40919655561447144},{"word":"that","start":756.33,"end":756.57,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.397705614566803},{"word":"you","start":756.57,"end":756.73,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5431350469589233},{"word":"wanna","start":756.73,"end":757.05,"confidence":0.9790039,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5157455801963806},{"word":"look","start":757.05,"end":757.29,"confidence":0.9980469,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.43016067147254944},{"word":"at","start":757.29,"end":757.79,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.382075309753418},{"word":"taking","start":758.08997,"end":758.49,"confidence":0.99902344,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.4811654090881348},{"word":"a","start":758.49,"end":758.57,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4688907861709595},{"word":"little","start":758.57,"end":758.81,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.41904839873313904},{"word":"bit","start":758.81,"end":759.21,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.38892555236816406},{"word":"less","start":759.21,"end":759.69,"confidence":1.0,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.325716495513916},{"word":"risk","start":759.69,"end":760.19,"confidence":0.9875488,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":0.24687407910823825},{"word":"your","start":762.89,"end":763.39,"confidence":0.9428711,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.5904682874679565},{"word":"time","start":763.45,"end":763.77,"confidence":0.9838867,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.5679553151130676},{"word":"frame","start":763.77,"end":764.27,"confidence":1.0,"punctuated_word":"frame","sentiment":"positive","sentiment_score":0.6526102423667908},{"word":"for","start":764.33,"end":764.83,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6603472828865051},{"word":"retirement","start":765.37,"end":765.87,"confidence":1.0,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.5235916972160339},{"word":"sits","start":766.41,"end":766.73,"confidence":0.65283203,"punctuated_word":"sits","sentiment":"positive","sentiment_score":0.6865077018737793},{"word":"with","start":766.73,"end":767.05,"confidence":0.9838867,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6750698685646057},{"word":"easily","start":767.13,"end":767.61,"confidence":1.0,"punctuated_word":"easily","sentiment":"positive","sentiment_score":0.7113128900527954},{"word":"within","start":767.61,"end":768.01,"confidence":0.9951172,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.6018697619438171},{"word":"both","start":768.01,"end":768.33,"confidence":1.0,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.6286616921424866},{"word":"of","start":768.33,"end":768.57,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.680417001247406},{"word":"those","start":768.57,"end":769.07,"confidence":0.9916992,"punctuated_word":"those.","sentiment":"positive","sentiment_score":0.56184983253479},{"word":"it's","start":770.015,"end":770.335,"confidence":0.9926758,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5556666851043701},{"word":"just","start":770.335,"end":770.835,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5734840631484985},{"word":"what","start":772.41504,"end":772.655,"confidence":0.96777344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5866512060165405},{"word":"you're","start":772.655,"end":772.97504,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5623961687088013},{"word":"comfortable","start":772.97504,"end":773.47504,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.3920276463031769},{"word":"with","start":773.615,"end":774.115,"confidence":0.99902344,"punctuated_word":"with.","sentiment":"positive","sentiment_score":0.4311465620994568},{"word":"so","start":788.35,"end":788.82996,"confidence":0.44921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03898390009999275},{"word":"what","start":788.82996,"end":789.14996,"confidence":0.90283203,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0223226435482502},{"word":"let","start":789.47,"end":789.70996,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.01839187368750572},{"word":"me","start":789.70996,"end":789.87,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04097574204206467},{"word":"see","start":789.87,"end":790.37,"confidence":0.99560547,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.022193223237991333},{"word":"going","start":795.175,"end":795.495,"confidence":0.49804688,"punctuated_word":"Going","sentiment":"neutral","sentiment_score":0.04155897721648216},{"word":"to","start":795.495,"end":795.995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08207627385854721},{"word":"see","start":796.615,"end":796.85504,"confidence":0.9892578,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06780219078063965},{"word":"if","start":796.85504,"end":797.015,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06965284049510956},{"word":"my","start":797.015,"end":797.255,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05388850346207619},{"word":"computer","start":797.255,"end":797.655,"confidence":1.0,"punctuated_word":"computer","sentiment":"neutral","sentiment_score":0.06876551359891891},{"word":"wants","start":797.655,"end":797.97504,"confidence":1.0,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.03512111306190491},{"word":"to","start":797.97504,"end":798.215,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05728725343942642},{"word":"participate","start":798.215,"end":798.715,"confidence":0.9980469,"punctuated_word":"participate","sentiment":"neutral","sentiment_score":0.04761296510696411},{"word":"with","start":798.85504,"end":799.09503,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06625274568796158},{"word":"me","start":799.09503,"end":799.255,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03176521509885788},{"word":"today","start":799.255,"end":799.755,"confidence":0.9921875,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.07766829431056976},{"word":"i","start":804.695,"end":805.09503,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02112060785293579},{"word":"am","start":805.09503,"end":805.59503,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.04247836768627167},{"word":"looking","start":805.735,"end":806.235,"confidence":0.7675781,"punctuated_word":"looking.","sentiment":"neutral","sentiment_score":0.03684090077877045},{"word":"sorry","start":816.17,"end":816.57,"confidence":0.9291992,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.1399586796760559},{"word":"one","start":816.57,"end":816.81,"confidence":0.9980469,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.1160343736410141},{"word":"second","start":816.81,"end":817.29,"confidence":0.99902344,"punctuated_word":"second,","sentiment":"neutral","sentiment_score":-0.07159307599067688},{"word":"sharon","start":817.29,"end":817.61,"confidence":0.99609375,"punctuated_word":"Sharon.","sentiment":"neutral","sentiment_score":-0.0911170169711113},{"word":"it","start":817.61,"end":817.77,"confidence":0.58203125,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.17874042689800262},{"word":"won't","start":817.77,"end":817.93,"confidence":0.9951172,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.1488511562347412},{"word":"be","start":817.93,"end":818.09,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14694486558437347},{"word":"a","start":818.09,"end":818.25,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15780065953731537},{"word":"moment","start":818.25,"end":818.75,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.13755422830581665},{"word":"oh","start":820.73,"end":820.97003,"confidence":0.9941406,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.03374265506863594},{"word":"it's","start":820.97003,"end":821.13,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.017559019848704338},{"word":"your","start":821.13,"end":821.29,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.010979041457176208},{"word":"birthday","start":821.29,"end":821.79,"confidence":1.0,"punctuated_word":"birthday","sentiment":"neutral","sentiment_score":-0.00864933431148529},{"word":"soon","start":821.85004,"end":822.35004,"confidence":0.94921875,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":-0.030798958614468575},{"word":"yes","start":826.825,"end":827.325,"confidence":0.9655762,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0001658610999584198},{"word":"yeah","start":827.705,"end":828.025,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01250926312059164},{"word":"next","start":828.025,"end":828.34503,"confidence":0.99902344,"punctuated_word":"Next","sentiment":"neutral","sentiment_score":-0.03433160483837128},{"word":"week","start":828.34503,"end":828.825,"confidence":0.9206543,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.016628321260213852},{"word":"it","start":828.825,"end":829.065,"confidence":0.77441406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.016938630491495132},{"word":"looks","start":829.065,"end":829.565,"confidence":0.9970703,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":-0.03333780914545059},{"word":"like","start":829.625,"end":830.125,"confidence":0.9951172,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":-0.05611356720328331},{"word":"so","start":832.185,"end":832.34503,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07054946571588516},{"word":"you'll","start":832.34503,"end":832.585,"confidence":0.986084,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.0594630092382431},{"word":"be","start":832.585,"end":832.745,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05276862531900406},{"word":"turning","start":832.745,"end":833.145,"confidence":0.99902344,"punctuated_word":"turning","sentiment":"neutral","sentiment_score":-0.036356955766677856},{"word":"57","start":833.145,"end":833.965,"confidence":0.9941406,"punctuated_word":"57.","sentiment":"neutral","sentiment_score":-0.050624992698431015},{"word":"so","start":834.66504,"end":835.16504,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09478318691253662},{"word":"if","start":835.54504,"end":836.04504,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1514512002468109},{"word":"you","start":836.585,"end":836.905,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13935646414756775},{"word":"retire","start":836.905,"end":837.385,"confidence":0.9873047,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.14587807655334473},{"word":"at","start":837.385,"end":837.78,"confidence":0.9482422,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21323341131210327},{"word":"65","start":837.86005,"end":838.34,"confidence":0.9838867,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":-0.22904324531555176},{"word":"that's","start":838.34,"end":838.84,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.272114634513855},{"word":"eight","start":838.98004,"end":839.30005,"confidence":1.0,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":-0.22697772085666656},{"word":"years","start":839.30005,"end":839.62006,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.23522384464740753},{"word":"away","start":839.62006,"end":840.12006,"confidence":0.98339844,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.14140865206718445},{"word":"so","start":844.18005,"end":844.5,"confidence":0.8286133,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.056251317262649536},{"word":"that's","start":844.5,"end":844.98004,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.07010675966739655},{"word":"probably","start":844.98004,"end":845.48004,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.048360541462898254},{"word":"something","start":845.54004,"end":845.86005,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.06618870049715042},{"word":"to","start":845.86005,"end":846.10004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04651673138141632},{"word":"consider","start":846.10004,"end":846.58,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.07419466972351074},{"word":"when","start":846.58,"end":846.82,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07891921699047089},{"word":"thinking","start":846.82,"end":847.14,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.07177489995956421},{"word":"about","start":847.14,"end":847.62006,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1352231651544571},{"word":"comfort","start":847.62006,"end":848.02,"confidence":1.0,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":-0.05170169472694397},{"word":"levels","start":848.02,"end":848.5,"confidence":1.0,"punctuated_word":"levels","sentiment":"neutral","sentiment_score":-0.02275313436985016},{"word":"with","start":848.5,"end":848.74005,"confidence":0.88964844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04367949068546295},{"word":"the","start":848.74005,"end":848.9,"confidence":0.54589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03359575569629669},{"word":"gross","start":848.9,"end":849.30005,"confidence":0.9316406,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.04643035680055618},{"word":"being","start":849.30005,"end":849.78,"confidence":0.96240234,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.0042228251695632935},{"word":"a","start":849.78,"end":849.94,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004442539066076279},{"word":"time","start":849.94,"end":850.18005,"confidence":0.98828125,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.016490444540977478},{"word":"frame","start":850.18005,"end":850.42004,"confidence":1.0,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.039340145885944366},{"word":"of","start":850.42004,"end":850.66003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01509183645248413},{"word":"a","start":850.66003,"end":850.74005,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.026302248239517212},{"word":"minimum","start":850.74005,"end":851.22003,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.07095658779144287},{"word":"of","start":851.22003,"end":851.475,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012857571244239809},{"word":"six","start":851.555,"end":851.795,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.0145968496799469},{"word":"years","start":851.795,"end":852.295,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.003880374133586883},{"word":"and","start":852.435,"end":852.675,"confidence":0.8989258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00029221177101135254},{"word":"a","start":852.675,"end":852.83496,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008201580494642258},{"word":"balance","start":852.83496,"end":853.315,"confidence":0.7338867,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.031321801245212555},{"word":"gross","start":853.315,"end":853.63495,"confidence":0.984375,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.03801688551902771},{"word":"being","start":853.63495,"end":853.875,"confidence":0.99316406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.007202968001365662},{"word":"a","start":853.875,"end":854.035,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0036651045083999634},{"word":"minimum","start":854.035,"end":854.51495,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.04781457781791687},{"word":"of","start":854.51495,"end":854.755,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024835027754306793},{"word":"five","start":854.755,"end":855.07495,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.03097047656774521},{"word":"years","start":855.07495,"end":855.57495,"confidence":0.9807129,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.013981323689222336},{"word":"and","start":856.19495,"end":856.435,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010517649352550508},{"word":"the","start":856.435,"end":856.595,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023391418159008023},{"word":"question","start":856.595,"end":856.995,"confidence":0.7614746,"punctuated_word":"question,","sentiment":"neutral","sentiment_score":0.023929007351398468},{"word":"i","start":856.995,"end":857.15497,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017705723643302917},{"word":"think","start":857.15497,"end":857.475,"confidence":0.95458984,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.03051480278372765},{"word":"probably","start":857.475,"end":857.975,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.05238472670316696},{"word":"that","start":858.595,"end":859.095,"confidence":0.84716797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04265819489955902},{"word":"you","start":859.39496,"end":859.89496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05961740016937256},{"word":"need","start":859.95496,"end":860.45496,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.07611674815416336},{"word":"to","start":860.595,"end":861.095,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07119431346654892},{"word":"ask","start":863.07495,"end":863.475,"confidence":0.93115234,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.07444678246974945},{"word":"yourself","start":863.475,"end":863.975,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.04497215896844864},{"word":"would","start":864.115,"end":864.355,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05517242103815079},{"word":"be","start":864.355,"end":864.855,"confidence":0.89404297,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.009556092321872711},{"word":"do","start":868.18005,"end":868.42004,"confidence":0.9873047,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06133819371461868},{"word":"you","start":868.42004,"end":868.66003,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012853525578975676},{"word":"are","start":868.98004,"end":869.14,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04256391525268555},{"word":"you","start":869.14,"end":869.46,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0001931935548782349},{"word":"comfortable","start":869.46,"end":869.96,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.005081631243228912},{"word":"with","start":870.18005,"end":870.68005,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03343769907951355},{"word":"a","start":871.94,"end":872.18005,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02980559691786766},{"word":"six","start":872.18005,"end":872.5,"confidence":0.99902344,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.011672444641590118},{"word":"year","start":872.5,"end":872.9,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.012993104755878448},{"word":"or","start":872.9,"end":873.38,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01670949161052704},{"word":"five","start":873.38,"end":873.62,"confidence":0.99609375,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.02921804040670395},{"word":"year","start":873.62,"end":874.12,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.01395898312330246},{"word":"allocation","start":874.18005,"end":874.68005,"confidence":0.9892578,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":-0.001901485025882721},{"word":"to","start":874.98004,"end":875.22003,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00568312406539917},{"word":"some","start":875.22003,"end":875.54004,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.028324559330940247},{"word":"growth","start":875.54004,"end":875.86005,"confidence":0.90625,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.023152075707912445},{"word":"assets","start":875.86005,"end":876.36005,"confidence":0.99902344,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.04206503182649613},{"word":"to","start":876.42004,"end":876.58,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008905209600925446},{"word":"review","start":876.58,"end":877.08,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06670121103525162},{"word":"after","start":877.30005,"end":877.62,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.023449987173080444},{"word":"that","start":877.62,"end":877.86005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015189722180366516},{"word":"time","start":877.86005,"end":878.36005,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.01951926201581955},{"word":"or","start":878.63495,"end":878.875,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.028995193541049957},{"word":"as","start":878.875,"end":879.375,"confidence":0.9765625,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.005901064723730087},{"word":"you","start":879.435,"end":879.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0014486163854599},{"word":"know","start":879.595,"end":879.995,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.014316916465759276},{"word":"a","start":879.995,"end":880.15497,"confidence":0.75390625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03663124516606331},{"word":"retirement","start":880.15497,"end":880.65497,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.003465496003627777},{"word":"approaches","start":880.795,"end":881.295,"confidence":0.94677734,"punctuated_word":"approaches.","sentiment":"neutral","sentiment_score":0.051959309726953506},{"word":"and","start":882.63495,"end":882.7949,"confidence":0.80908203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07245244830846786},{"word":"because","start":882.95496,"end":883.27496,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05133338272571564},{"word":"what","start":883.27496,"end":883.435,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10758759081363678},{"word":"happens","start":883.435,"end":883.83496,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.10781450569629668},{"word":"is","start":883.83496,"end":883.995,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11612892895936966},{"word":"is","start":883.995,"end":884.235,"confidence":0.8232422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12216968089342116},{"word":"as","start":884.235,"end":884.475,"confidence":0.97802734,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15111839771270752},{"word":"we","start":884.475,"end":884.71497,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15793228149414062},{"word":"as","start":884.95496,"end":885.19495,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1436575949192047},{"word":"clients","start":885.19495,"end":885.595,"confidence":0.9838867,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.12103772908449172},{"word":"approach","start":885.595,"end":885.995,"confidence":0.99902344,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.10275056958198547},{"word":"retirement","start":885.995,"end":886.495,"confidence":0.9995117,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.08395557850599289},{"word":"we","start":886.71497,"end":886.95496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1627635657787323},{"word":"do","start":886.95496,"end":887.19495,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1202973797917366},{"word":"look","start":887.19495,"end":887.435,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10938096791505814},{"word":"at","start":887.435,"end":887.935,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07191641628742218},{"word":"limiting","start":888.39496,"end":888.875,"confidence":0.99902344,"punctuated_word":"limiting","sentiment":"neutral","sentiment_score":0.060780592262744904},{"word":"and","start":888.875,"end":889.115,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01211540400981903},{"word":"minimizing","start":889.115,"end":889.615,"confidence":0.99902344,"punctuated_word":"minimizing","sentiment":"neutral","sentiment_score":0.03537937253713608},{"word":"not","start":890.795,"end":890.95496,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03603386878967285},{"word":"minimizing","start":890.95496,"end":891.45496,"confidence":0.9399414,"punctuated_word":"minimizing.","sentiment":"neutral","sentiment_score":-0.00007653236389160156},{"word":"we","start":891.595,"end":891.755,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.19513271749019623},{"word":"do","start":891.755,"end":892.07495,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.195857897400856},{"word":"reduce","start":892.07495,"end":892.57495,"confidence":0.9970703,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.017186030745506287},{"word":"exposure","start":893.05,"end":893.37,"confidence":0.9951172,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.08696024119853973},{"word":"to","start":893.37,"end":893.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12455210834741592},{"word":"growth","start":893.61,"end":893.93,"confidence":0.9350586,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.046937763690948486},{"word":"assets","start":893.93,"end":894.41003,"confidence":0.99609375,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.05412881076335907},{"word":"and","start":894.41003,"end":894.73004,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10706604272127151},{"word":"allocate","start":894.73004,"end":895.21,"confidence":0.99902344,"punctuated_word":"allocate","sentiment":"neutral","sentiment_score":0.06907209753990173},{"word":"some","start":895.21,"end":895.45,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.13168665766716003},{"word":"more","start":895.45,"end":895.69,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11815182864665984},{"word":"to","start":895.69,"end":895.85004,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18419063091278076},{"word":"income","start":895.85004,"end":896.33,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.16004440188407898},{"word":"because","start":896.33,"end":896.73004,"confidence":0.6142578,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.15990373492240906},{"word":"what","start":896.73004,"end":896.89,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.25499218702316284},{"word":"happens","start":896.89,"end":897.29004,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.2092477381229401},{"word":"in","start":897.29004,"end":897.53,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19705849885940552},{"word":"retirement","start":897.53,"end":898.03,"confidence":0.99609375,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.11453289538621902},{"word":"is","start":898.57,"end":898.81,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22054964303970337},{"word":"that","start":898.81,"end":898.97003,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23533672094345093},{"word":"we","start":898.97003,"end":899.13,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19062840938568115},{"word":"need","start":899.13,"end":899.61,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.19845740497112271},{"word":"income","start":899.61,"end":900.01,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.18075743317604065},{"word":"producing","start":900.01,"end":900.51,"confidence":1.0,"punctuated_word":"producing","sentiment":"neutral","sentiment_score":0.21543444693088531},{"word":"assets","start":900.65,"end":901.15,"confidence":0.99609375,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.21214355528354645},{"word":"to","start":901.21,"end":901.71,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17745128273963928},{"word":"produce","start":903.05,"end":903.37,"confidence":0.8769531,"punctuated_word":"produce","sentiment":"neutral","sentiment_score":0.22129172086715695},{"word":"that","start":903.37,"end":903.61,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15783435106277466},{"word":"income","start":903.61,"end":904.01,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.21285304427146912},{"word":"for","start":904.01,"end":904.17004,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23544330894947052},{"word":"you","start":904.17004,"end":904.49,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24231025576591492},{"word":"without","start":904.49,"end":904.81,"confidence":0.9980469,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.17080768942832947},{"word":"selling","start":904.81,"end":905.13,"confidence":0.99609375,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.04120452702045441},{"word":"our","start":905.13,"end":905.37,"confidence":0.75146484,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.12926289439201355},{"word":"growth","start":905.37,"end":905.77,"confidence":0.9394531,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0201815664768219},{"word":"assets","start":905.77,"end":906.25,"confidence":0.99316406,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.11251044273376463},{"word":"that","start":906.25,"end":906.73004,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14287617802619934},{"word":"keeps","start":906.73004,"end":907.13,"confidence":0.98535156,"punctuated_word":"keeps","sentiment":"neutral","sentiment_score":0.13307403028011322},{"word":"your","start":907.13,"end":907.45,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19357427954673767},{"word":"portfolio","start":907.45,"end":907.95,"confidence":0.9951172,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2848116457462311},{"word":"growing","start":908.25,"end":908.655,"confidence":0.97753906,"punctuated_word":"growing.","sentiment":"neutral","sentiment_score":0.3203125},{"word":"so","start":909.455,"end":909.955,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3301737308502197},{"word":"there's","start":910.575,"end":910.97504,"confidence":0.94628906,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.34305867552757263},{"word":"strategies","start":910.97504,"end":911.47504,"confidence":0.99902344,"punctuated_word":"strategies","sentiment":"positive","sentiment_score":0.3430233597755432},{"word":"as","start":911.85504,"end":912.09503,"confidence":0.9707031,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.32230469584465027},{"word":"retirement","start":912.09503,"end":912.59503,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.19424495100975037},{"word":"approaches","start":912.73505,"end":913.23505,"confidence":0.9980469,"punctuated_word":"approaches","sentiment":"neutral","sentiment_score":0.2895948588848114},{"word":"that","start":913.29504,"end":913.455,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3170439898967743},{"word":"we","start":913.455,"end":913.955,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3096100389957428},{"word":"look","start":914.015,"end":914.255,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.3138856291770935},{"word":"at","start":914.255,"end":914.655,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3552663326263428},{"word":"to","start":914.655,"end":914.73505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2694142162799835},{"word":"make","start":914.73505,"end":914.97504,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.24119214713573456},{"word":"sure","start":914.97504,"end":915.215,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.28514137864112854},{"word":"that","start":915.215,"end":915.455,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30659401416778564},{"word":"you're","start":915.455,"end":915.955,"confidence":0.98706055,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3449704349040985},{"word":"invested","start":916.49506,"end":916.99506,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.24345865845680237},{"word":"correctly","start":917.375,"end":917.875,"confidence":1.0,"punctuated_word":"correctly","sentiment":"positive","sentiment_score":0.36579668521881104},{"word":"and","start":918.17505,"end":918.41504,"confidence":0.9921875,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35964763164520264},{"word":"in","start":918.41504,"end":918.655,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3775682151317597},{"word":"line","start":918.655,"end":919.155,"confidence":1.0,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.40204480290412903},{"word":"with","start":919.29504,"end":919.79504,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.442114531993866},{"word":"your","start":920.015,"end":920.335,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43029943108558655},{"word":"time","start":920.335,"end":920.575,"confidence":0.9604492,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.29390066862106323},{"word":"frame","start":920.575,"end":921.075,"confidence":1.0,"punctuated_word":"frame","sentiment":"positive","sentiment_score":0.36852389574050903},{"word":"and","start":921.29504,"end":921.53503,"confidence":0.98291016,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3342416286468506},{"word":"and","start":921.53503,"end":922.03503,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3222367763519287},{"word":"and","start":922.09503,"end":922.41504,"confidence":0.78515625,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34752529859542847},{"word":"more","start":922.41504,"end":922.73505,"confidence":0.65966797,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3695318102836609},{"word":"more","start":922.73505,"end":922.97504,"confidence":0.75439453,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.30800139904022217},{"word":"importantly","start":922.97504,"end":923.47504,"confidence":0.8457031,"punctuated_word":"importantly,","sentiment":"neutral","sentiment_score":0.3013307452201843},{"word":"your","start":923.61505,"end":923.775,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4993198812007904},{"word":"goals","start":923.775,"end":924.275,"confidence":0.9975586,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.28361743688583374},{"word":"so","start":924.77,"end":925.27,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5903929471969604},{"word":"it's","start":926.37,"end":926.77,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6943857073783875},{"word":"it's","start":926.77,"end":927.09,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.7201084494590759},{"word":"really","start":927.09,"end":927.49,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8183038234710693},{"word":"a","start":927.49,"end":927.65,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7883288860321045},{"word":"comfort","start":927.65,"end":928.15,"confidence":0.99902344,"punctuated_word":"comfort","sentiment":"positive","sentiment_score":0.7406823635101318},{"word":"a","start":928.69,"end":928.93,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7506343126296997},{"word":"comfort","start":928.93,"end":929.41003,"confidence":0.99902344,"punctuated_word":"comfort","sentiment":"positive","sentiment_score":0.7702906727790833},{"word":"thing","start":929.41003,"end":929.65,"confidence":0.9975586,"punctuated_word":"thing.","sentiment":"positive","sentiment_score":0.6916812658309937},{"word":"so","start":929.65,"end":929.81,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4904611110687256},{"word":"when","start":929.81,"end":930.05,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.47284987568855286},{"word":"i","start":930.05,"end":930.21,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4047727882862091},{"word":"speak","start":930.21,"end":930.45,"confidence":1.0,"punctuated_word":"speak","sentiment":"positive","sentiment_score":0.4513855278491974},{"word":"to","start":930.45,"end":930.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3933328688144684},{"word":"clients","start":930.61,"end":931.11,"confidence":0.9946289,"punctuated_word":"clients,","sentiment":"positive","sentiment_score":0.4683142900466919},{"word":"my","start":931.89,"end":932.39,"confidence":0.9941406,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.34989994764328003},{"word":"my","start":936.37,"end":936.45,"confidence":0.81933594,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.30925387144088745},{"word":"advice","start":936.45,"end":936.95,"confidence":0.9448242,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.4184596538543701},{"word":"is","start":937.25,"end":937.75,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21955923736095428},{"word":"it","start":938.69,"end":938.93,"confidence":0.9580078,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35761773586273193},{"word":"needs","start":938.93,"end":939.25,"confidence":0.9980469,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.2720596492290497},{"word":"to","start":939.25,"end":939.41003,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23945747315883636},{"word":"pass","start":939.41003,"end":939.73004,"confidence":0.9941406,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.2806832790374756},{"word":"the","start":939.73004,"end":940.05,"confidence":0.9873047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.33723726868629456},{"word":"sleep","start":940.05,"end":940.29004,"confidence":0.9921875,"punctuated_word":"sleep","sentiment":"positive","sentiment_score":0.3411610424518585},{"word":"at","start":940.29004,"end":940.425,"confidence":0.64746094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2955990433692932},{"word":"night","start":940.58496,"end":940.90497,"confidence":1.0,"punctuated_word":"night","sentiment":"neutral","sentiment_score":0.29451772570610046},{"word":"test","start":940.90497,"end":941.40497,"confidence":0.96118164,"punctuated_word":"test.","sentiment":"positive","sentiment_score":0.33723270893096924},{"word":"if","start":941.46497,"end":941.785,"confidence":0.99316406,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.22365587949752808},{"word":"it","start":941.785,"end":942.02496,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32595548033714294},{"word":"continued","start":942.02496,"end":942.425,"confidence":0.8251953,"punctuated_word":"continued","sentiment":"neutral","sentiment_score":0.2977108955383301},{"word":"to","start":942.425,"end":942.58496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2849276065826416},{"word":"be","start":942.58496,"end":942.745,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.27910512685775757},{"word":"invested","start":942.745,"end":943.245,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.2778252959251404},{"word":"as","start":943.305,"end":943.46497,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29868021607398987},{"word":"it","start":943.46497,"end":943.625,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3379460871219635},{"word":"is","start":943.625,"end":944.125,"confidence":0.9970703,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.25102463364601135},{"word":"are","start":944.505,"end":944.665,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1797770857810974},{"word":"you","start":944.665,"end":944.985,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31635868549346924},{"word":"confident","start":944.985,"end":945.485,"confidence":1.0,"punctuated_word":"confident","sentiment":"neutral","sentiment_score":0.1944183111190796},{"word":"and","start":946.425,"end":946.58496,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23664695024490356},{"word":"comfortable","start":946.58496,"end":947.08496,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.1782611757516861},{"word":"with","start":947.225,"end":947.385,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21694093942642212},{"word":"that","start":947.385,"end":947.885,"confidence":0.9941406,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.1587110161781311},{"word":"are","start":948.505,"end":948.745,"confidence":0.99609375,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.06967128813266754},{"word":"you","start":948.745,"end":949.065,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05053868144750595},{"word":"so","start":949.705,"end":949.945,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.05241598188877106},{"word":"at","start":949.945,"end":950.02496,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07618644833564758},{"word":"the","start":950.02496,"end":950.185,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08062109351158142},{"word":"moment","start":950.185,"end":950.505,"confidence":0.9921875,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.10548176616430284},{"word":"the","start":950.505,"end":950.58496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14690038561820984},{"word":"market's","start":950.58496,"end":950.985,"confidence":0.9472656,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.16420716047286987},{"word":"going","start":950.985,"end":951.225,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1439506709575653},{"word":"through","start":951.225,"end":951.46497,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10225585103034972},{"word":"a","start":951.46497,"end":951.545,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10783293098211288},{"word":"little","start":951.545,"end":951.705,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.12062671035528184},{"word":"bit","start":951.705,"end":951.865,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1147950440645218},{"word":"of","start":951.865,"end":952.02496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12464585900306702},{"word":"an","start":952.02496,"end":952.185,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.1404903084039688},{"word":"up","start":952.185,"end":952.265,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.11914752423763277},{"word":"and","start":952.265,"end":952.425,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19138836860656736},{"word":"down","start":952.425,"end":952.925,"confidence":0.9838867,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.11781058460474014},{"word":"can","start":955.46497,"end":955.705,"confidence":0.81396484,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.07561936974525452},{"word":"you","start":955.705,"end":955.945,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06465217471122742},{"word":"sit","start":955.945,"end":956.37,"confidence":0.9970703,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.09966900199651718},{"word":"through","start":956.37,"end":956.61,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16213297843933103},{"word":"that","start":956.61,"end":956.93,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21976521611213684},{"word":"and","start":956.93,"end":957.43,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1696871668100357},{"word":"be","start":957.65,"end":957.89,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15442223846912384},{"word":"confident","start":957.89,"end":958.37,"confidence":1.0,"punctuated_word":"confident","sentiment":"neutral","sentiment_score":0.09103558212518692},{"word":"that","start":958.37,"end":958.61,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14588341116905212},{"word":"you","start":958.61,"end":958.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21536576747894287},{"word":"have","start":958.85,"end":959.33,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2406035214662552},{"word":"time","start":959.33,"end":959.65,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.26108232140541077},{"word":"on","start":959.65,"end":959.81,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2362906038761139},{"word":"your","start":959.81,"end":960.13,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24862775206565857},{"word":"side","start":960.13,"end":960.45,"confidence":0.89624023,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":0.21752038598060608},{"word":"or","start":960.45,"end":960.69,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07737097889184952},{"word":"does","start":960.69,"end":960.85,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.010724857449531555},{"word":"that","start":960.85,"end":961.08997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.002254001796245575},{"word":"give","start":961.08997,"end":961.33,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.02769748866558075},{"word":"you","start":961.33,"end":961.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0029523223638534546},{"word":"a","start":961.73,"end":961.89,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004110775887966156},{"word":"little","start":961.89,"end":962.05,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04301200062036514},{"word":"bit","start":962.05,"end":962.55,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.021983139216899872},{"word":"pause","start":963.33,"end":963.73,"confidence":0.96240234,"punctuated_word":"pause","sentiment":"neutral","sentiment_score":0.034912995994091034},{"word":"for","start":963.73,"end":963.97,"confidence":0.95166016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0687766820192337},{"word":"concern","start":963.97,"end":964.47,"confidence":0.99902344,"punctuated_word":"concern?","sentiment":"neutral","sentiment_score":-0.06299713253974915},{"word":"yeah","start":971.01,"end":971.51,"confidence":0.97436523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014504838734865189},{"word":"yeah","start":971.81,"end":972.135,"confidence":0.8366699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0049931351095438},{"word":"we","start":978.695,"end":978.935,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.011671915650367737},{"word":"can","start":978.935,"end":979.175,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04793340340256691},{"word":"come","start":979.175,"end":979.335,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.0312536247074604},{"word":"back","start":979.335,"end":979.575,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.037790894508361816},{"word":"to","start":979.575,"end":979.655,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03015267103910446},{"word":"it","start":979.655,"end":979.815,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02207028865814209},{"word":"if","start":979.815,"end":979.97504,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08151617646217346},{"word":"you","start":979.97504,"end":980.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05454445630311966},{"word":"want","start":980.055,"end":980.375,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06110268831253052},{"word":"some","start":980.375,"end":980.53503,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07449188828468323},{"word":"time","start":980.53503,"end":980.775,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.10540611296892166},{"word":"to","start":980.775,"end":980.935,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07725045084953308},{"word":"think","start":980.935,"end":981.175,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.047736331820487976},{"word":"about","start":981.175,"end":981.41504,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03372590243816376},{"word":"it","start":981.41504,"end":981.655,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.03472726047039032},{"word":"i'll","start":981.655,"end":981.895,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07899024337530136},{"word":"go","start":981.895,"end":982.055,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07292768359184265},{"word":"through","start":982.055,"end":982.215,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06476163864135742},{"word":"the","start":982.215,"end":982.375,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07100716233253479},{"word":"rest","start":982.375,"end":982.615,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.06988374143838882},{"word":"of","start":982.615,"end":982.695,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06887032091617584},{"word":"the","start":982.695,"end":982.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05297122523188591},{"word":"document","start":982.855,"end":983.355,"confidence":0.75390625,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.04260516166687012},{"word":"and","start":985.41504,"end":985.735,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.012644264847040176},{"word":"because","start":985.895,"end":986.135,"confidence":0.99609375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0229349285364151},{"word":"it's","start":986.135,"end":986.375,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.009697040542960169},{"word":"a","start":986.375,"end":986.455,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00899668037891388},{"word":"lot","start":986.455,"end":986.695,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.027006179094314575},{"word":"to","start":986.695,"end":987.12,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01517033576965332},{"word":"it's","start":987.68,"end":987.92,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06154399365186691},{"word":"a","start":987.92,"end":988.08,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.036729663610458374},{"word":"lot","start":988.08,"end":988.58,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.04256007820367813},{"word":"to","start":988.96,"end":989.04,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.011491097509860992},{"word":"to","start":989.04,"end":989.2,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00900057703256607},{"word":"think","start":989.2,"end":989.52,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0006702318787574768},{"word":"about","start":989.52,"end":990.02,"confidence":0.99194336,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":-0.027799874544143677},{"word":"what","start":992.0,"end":992.24,"confidence":0.83203125,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.05496394634246826},{"word":"i","start":992.24,"end":992.48,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07111082226037979},{"word":"also","start":992.48,"end":992.88,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07934512197971344},{"word":"can","start":992.88,"end":993.12,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08853224664926529},{"word":"do","start":993.12,"end":993.36,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09968648105859756},{"word":"is","start":993.36,"end":993.6,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09848425537347794},{"word":"just","start":993.6,"end":993.92,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12011714279651642},{"word":"complete","start":993.92,"end":994.42,"confidence":1.0,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":0.09270735830068588},{"word":"that","start":994.48,"end":994.72,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1409151554107666},{"word":"risk","start":994.72,"end":995.04,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04992808774113655},{"word":"profile","start":995.04,"end":995.52,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.0567074790596962},{"word":"again","start":995.52,"end":996.02,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.12577050924301147},{"word":"and","start":996.4,"end":996.72,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10809467732906342},{"word":"give","start":996.72,"end":996.88,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.10334406793117525},{"word":"you","start":996.88,"end":997.38,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11396105587482452},{"word":"my","start":997.52,"end":997.76,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11627883464097977},{"word":"recommendation","start":997.76,"end":998.26,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.07394751906394958},{"word":"if","start":998.64,"end":998.8,"confidence":0.79003906,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11618191003799438},{"word":"you","start":998.8,"end":998.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08644267916679382},{"word":"like","start":998.96,"end":999.46,"confidence":0.99365234,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.05318528413772583},{"word":"yeah","start":1001.68,"end":1002.16,"confidence":0.92089844,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.034257397055625916},{"word":"okay","start":1002.16,"end":1002.66,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04732813686132431},{"word":"let's","start":1003.005,"end":1003.245,"confidence":1.0,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.09939064085483552},{"word":"go","start":1003.245,"end":1003.72504,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12308961153030396},{"word":"through","start":1003.72504,"end":1004.22504,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12498082220554352},{"word":"that","start":1004.60504,"end":1004.925,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1378362625837326},{"word":"risk","start":1004.925,"end":1005.245,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.05741537734866142},{"word":"profile","start":1005.245,"end":1005.645,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.06985560059547424},{"word":"for","start":1005.645,"end":1005.885,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11645643413066864},{"word":"you","start":1005.885,"end":1006.125,"confidence":0.9995117,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13276003301143646},{"word":"sharon","start":1006.125,"end":1006.625,"confidence":0.99609375,"punctuated_word":"Sharon.","sentiment":"neutral","sentiment_score":0.11696702241897584},{"word":"it","start":1006.765,"end":1006.925,"confidence":0.4091797,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.10897210240364076},{"word":"won't","start":1006.925,"end":1007.005,"confidence":0.9975586,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.09453704208135603},{"word":"be","start":1007.005,"end":1007.245,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04771406948566437},{"word":"a","start":1007.245,"end":1007.325,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05008944123983383},{"word":"second","start":1007.325,"end":1007.645,"confidence":0.9206543,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.024293730035424232},{"word":"i'm","start":1007.645,"end":1007.72504,"confidence":0.9526367,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09475152939558028},{"word":"just","start":1007.72504,"end":1007.885,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10566800832748412},{"word":"gonna","start":1007.885,"end":1008.125,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09989477694034576},{"word":"jump","start":1008.125,"end":1008.28503,"confidence":0.99609375,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.11068417131900787},{"word":"in","start":1008.28503,"end":1008.445,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10278739035129549},{"word":"and","start":1008.445,"end":1008.60504,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09069783240556716},{"word":"open","start":1008.60504,"end":1008.925,"confidence":0.9902344,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.07092701643705368},{"word":"that","start":1008.925,"end":1009.085,"confidence":0.9707031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07504880428314209},{"word":"up","start":1009.085,"end":1009.585,"confidence":0.98950195,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.06266744434833527},{"word":"so","start":1017.885,"end":1018.04504,"confidence":0.96533203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04104280471801758},{"word":"these","start":1018.04504,"end":1018.41,"confidence":0.9633789,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.04801131039857864},{"word":"the","start":1018.49,"end":1018.64996,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04956816881895065},{"word":"questions","start":1018.64996,"end":1018.88995,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05141386762261391},{"word":"that","start":1018.88995,"end":1019.29,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03129401057958603},{"word":"we","start":1019.29,"end":1019.52997,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04829706996679306},{"word":"we","start":1019.52997,"end":1019.76996,"confidence":0.9482422,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05724479630589485},{"word":"talked","start":1019.76996,"end":1020.00995,"confidence":0.9941406,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.0601540133357048},{"word":"through","start":1020.00995,"end":1020.25,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04793120175600052},{"word":"last","start":1020.25,"end":1020.64996,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.049986034631729126},{"word":"time","start":1020.64996,"end":1020.97,"confidence":0.72509766,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.03972245007753372},{"word":"and","start":1020.97,"end":1021.47,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.035362306982278824},{"word":"so","start":1025.9299,"end":1026.4299,"confidence":0.7402344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.033006250858306885},{"word":"you","start":1026.57,"end":1026.8099,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030488986521959305},{"word":"probably","start":1026.8099,"end":1027.2899,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03260466456413269},{"word":"will","start":1027.2899,"end":1027.7899,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.02927831932902336},{"word":"have","start":1028.73,"end":1029.21,"confidence":0.9165039,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03521668165922165},{"word":"a","start":1029.21,"end":1029.71,"confidence":0.9301758,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025007406249642372},{"word":"a","start":1030.645,"end":1030.885,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02544950507581234},{"word":"it","start":1030.965,"end":1031.465,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02001806348562241},{"word":"will","start":1031.765,"end":1032.245,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0356559120118618},{"word":"it","start":1032.325,"end":1032.825,"confidence":0.41088867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02786301821470261},{"word":"you","start":1033.365,"end":1033.525,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028730984777212143},{"word":"will","start":1033.525,"end":1033.765,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.028887607157230377},{"word":"probably","start":1033.765,"end":1034.265,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01642892137169838},{"word":"recall","start":1034.325,"end":1034.645,"confidence":0.99316406,"punctuated_word":"recall","sentiment":"neutral","sentiment_score":0.01766711100935936},{"word":"them","start":1034.645,"end":1035.145,"confidence":0.9980469,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.004559613764286041},{"word":"there's","start":1035.845,"end":1036.345,"confidence":0.970459,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.015982357785105705},{"word":"about","start":1037.765,"end":1038.165,"confidence":0.91503906,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.007983017712831497},{"word":"seven","start":1038.165,"end":1038.485,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.0013101845979690552},{"word":"questions","start":1038.485,"end":1038.985,"confidence":0.93969727,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":-0.004331376403570175},{"word":"no","start":1039.9249,"end":1040.165,"confidence":0.9580078,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.16749592125415802},{"word":"right","start":1040.165,"end":1040.405,"confidence":0.99902344,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.2167540192604065},{"word":"or","start":1040.405,"end":1040.645,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16873526573181152},{"word":"wrong","start":1040.645,"end":1040.965,"confidence":1.0,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.19443151354789737},{"word":"answer","start":1040.965,"end":1041.465,"confidence":0.82592773,"punctuated_word":"answer,","sentiment":"neutral","sentiment_score":-0.14213664829730988},{"word":"just","start":1041.605,"end":1042.105,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15366916358470917},{"word":"what","start":1042.165,"end":1042.665,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.15579593181610107},{"word":"your","start":1043.205,"end":1043.705,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.13027672469615936},{"word":"your","start":1044.405,"end":1044.8049,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09792114794254304},{"word":"answer","start":1044.8049,"end":1045.205,"confidence":1.0,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.08377989381551743},{"word":"is","start":1045.205,"end":1045.705,"confidence":1.0,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.05959678441286087},{"word":"so","start":1046.07,"end":1046.57,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0005384720861911774},{"word":"what","start":1047.11,"end":1047.35,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02886185050010681},{"word":"is","start":1047.35,"end":1047.51,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.044765621423721313},{"word":"the","start":1047.51,"end":1047.6699,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02232876420021057},{"word":"most","start":1047.6699,"end":1048.07,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.04276447743177414},{"word":"aggressive","start":1048.07,"end":1048.5499,"confidence":1.0,"punctuated_word":"aggressive","sentiment":"neutral","sentiment_score":0.01347263902425766},{"word":"investment","start":1048.5499,"end":1049.0499,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.009248994290828705},{"word":"you've","start":1049.11,"end":1049.4299,"confidence":0.98583984,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.009218765422701836},{"word":"ever","start":1049.4299,"end":1049.6699,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.011607378721237184},{"word":"made","start":1049.6699,"end":1050.1699,"confidence":0.92626953,"punctuated_word":"made?","sentiment":"neutral","sentiment_score":0.01227719895541668},{"word":"direct","start":1050.39,"end":1050.71,"confidence":1.0,"punctuated_word":"Direct","sentiment":"neutral","sentiment_score":-0.002001829445362091},{"word":"shares","start":1050.71,"end":1051.21,"confidence":0.99853516,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.0021139178425073624},{"word":"managed","start":1051.4299,"end":1051.9299,"confidence":0.99121094,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.002100355923175812},{"word":"funds","start":1051.99,"end":1052.49,"confidence":0.99658203,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.004247421398758888},{"word":"investment","start":1052.5499,"end":1053.0499,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.00228949636220932},{"word":"property","start":1053.11,"end":1053.61,"confidence":0.98461914,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.0036350321024656296},{"word":"own","start":1053.75,"end":1054.07,"confidence":0.86328125,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.003831785172224045},{"word":"home","start":1054.07,"end":1054.5499,"confidence":0.9797363,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.004676291719079018},{"word":"or","start":1054.5499,"end":1055.0299,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.007606450468301773},{"word":"a","start":1055.0299,"end":1055.2699,"confidence":0.9453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.003108002245426178},{"word":"bank","start":1055.2699,"end":1055.59,"confidence":0.9970703,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.012658927589654922},{"word":"account","start":1055.59,"end":1056.09,"confidence":0.92456055,"punctuated_word":"account?","sentiment":"neutral","sentiment_score":0.0001426544040441513},{"word":"yeah","start":1068.885,"end":1069.125,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.003265243023633957},{"word":"anything","start":1069.125,"end":1069.525,"confidence":0.99121094,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":-0.014431968331336977},{"word":"that","start":1069.525,"end":1069.6849,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03151356056332588},{"word":"you've","start":1069.6849,"end":1069.9249,"confidence":0.9667969,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.02696201018989086},{"word":"invested","start":1069.9249,"end":1070.31,"confidence":0.94384766,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.024068716913461685},{"word":"into","start":1077.75,"end":1078.25,"confidence":0.99121094,"punctuated_word":"into.","sentiment":"neutral","sentiment_score":-0.022757435217499733},{"word":"so","start":1086.965,"end":1087.205,"confidence":0.78759766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0603238046169281},{"word":"a","start":1087.205,"end":1087.365,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030604347586631775},{"word":"bank","start":1087.365,"end":1087.6849,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.026486217975616455},{"word":"account","start":1087.6849,"end":1088.1849,"confidence":0.8935547,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":-0.03162030875682831},{"word":"would","start":1088.325,"end":1088.485,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.022768855094909668},{"word":"that","start":1088.485,"end":1088.725,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01674463227391243},{"word":"be","start":1088.725,"end":1089.225,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03016062453389168},{"word":"yep","start":1092.005,"end":1092.505,"confidence":0.8836263,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.024942245334386826},{"word":"okay","start":1092.965,"end":1093.465,"confidence":0.9707031,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.020734773948788643},{"word":"oh","start":1094.725,"end":1094.965,"confidence":0.7081299,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.02573558129370213},{"word":"make","start":1094.965,"end":1095.125,"confidence":0.9873047,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.02212738990783691},{"word":"sure","start":1095.125,"end":1095.365,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.02833942323923111},{"word":"i'm","start":1095.365,"end":1095.5249,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03239225968718529},{"word":"on","start":1095.5249,"end":1095.6849,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0442277118563652},{"word":"the","start":1095.6849,"end":1095.7649,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044416703283786774},{"word":"right","start":1095.7649,"end":1096.05,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.09446606785058977},{"word":"sheet","start":1096.13,"end":1096.29,"confidence":1.0,"punctuated_word":"sheet","sentiment":"neutral","sentiment_score":0.036375049501657486},{"word":"there","start":1096.29,"end":1096.79,"confidence":0.89160156,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.044325556606054306},{"word":"filling","start":1097.3301,"end":1097.65,"confidence":0.86694336,"punctuated_word":"Filling","sentiment":"neutral","sentiment_score":0.0491555891931057},{"word":"in","start":1097.65,"end":1097.73,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.044307906180620193},{"word":"the","start":1097.73,"end":1097.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04669424891471863},{"word":"right","start":1097.81,"end":1098.13,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.08883769810199738},{"word":"section","start":1098.13,"end":1098.63,"confidence":0.9995117,"punctuated_word":"section.","sentiment":"neutral","sentiment_score":0.03805037587881088},{"word":"once","start":1099.41,"end":1099.7301,"confidence":0.99902344,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.022358696907758713},{"word":"your","start":1099.7301,"end":1100.05,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02986166998744011},{"word":"investments","start":1100.05,"end":1100.55,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.016643226146697998},{"word":"have","start":1100.6101,"end":1100.8501,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03258642181754112},{"word":"been","start":1100.8501,"end":1101.0901,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.041706185787916183},{"word":"placed","start":1101.0901,"end":1101.5701,"confidence":0.84399414,"punctuated_word":"placed,","sentiment":"neutral","sentiment_score":0.023747559636831284},{"word":"so","start":1101.5701,"end":1101.81,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02814779430627823},{"word":"this","start":1101.81,"end":1102.05,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04190715774893761},{"word":"is","start":1102.05,"end":1102.29,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.031806811690330505},{"word":"we're","start":1102.37,"end":1102.6901,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.02844981476664543},{"word":"referring","start":1102.6901,"end":1103.01,"confidence":1.0,"punctuated_word":"referring","sentiment":"neutral","sentiment_score":0.020838456228375435},{"word":"to","start":1103.01,"end":1103.17,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025686483830213547},{"word":"your","start":1103.17,"end":1103.41,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.033691294491291046},{"word":"superannuation","start":1103.41,"end":1103.91,"confidence":0.9996745,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.045457061380147934},{"word":"now","start":1104.2101,"end":1104.6101,"confidence":0.8076172,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.003870194777846336},{"word":"how","start":1104.6101,"end":1104.8501,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.02569673582911491},{"word":"long","start":1104.8501,"end":1105.01,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.03183580935001373},{"word":"would","start":1105.01,"end":1105.25,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06401395797729492},{"word":"it","start":1105.25,"end":1105.3301,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04026023671030998},{"word":"be","start":1105.3301,"end":1105.8301,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06347733736038208},{"word":"before","start":1105.9701,"end":1106.37,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.04250247776508331},{"word":"you","start":1106.37,"end":1106.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.040090229362249374},{"word":"need","start":1106.53,"end":1106.77,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.059666287153959274},{"word":"to","start":1106.77,"end":1107.01,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06824371218681335},{"word":"access","start":1107.01,"end":1107.49,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.048615701496601105},{"word":"the","start":1107.49,"end":1107.7301,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03802172467112541},{"word":"capital","start":1107.7301,"end":1108.2301,"confidence":0.97802734,"punctuated_word":"capital?","sentiment":"neutral","sentiment_score":-0.055313240736722946},{"word":"longer","start":1108.77,"end":1109.17,"confidence":1.0,"punctuated_word":"Longer","sentiment":"neutral","sentiment_score":-0.05073799937963486},{"word":"than","start":1109.17,"end":1109.41,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.05662112683057785},{"word":"ten","start":1109.41,"end":1109.65,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.038923826068639755},{"word":"years","start":1109.65,"end":1110.15,"confidence":0.9260254,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.04423273354768753},{"word":"between","start":1110.29,"end":1110.79,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.044583991169929504},{"word":"seven","start":1110.9349,"end":1111.255,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.03835117816925049},{"word":"to","start":1111.255,"end":1111.335,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06595165282487869},{"word":"nine","start":1111.335,"end":1111.835,"confidence":0.99853516,"punctuated_word":"nine,","sentiment":"neutral","sentiment_score":-0.03426361456513405},{"word":"between","start":1112.135,"end":1112.635,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.02604742720723152},{"word":"'4","start":1112.695,"end":1112.9349,"confidence":1.0,"punctuated_word":"'4","sentiment":"neutral","sentiment_score":-0.03658457100391388},{"word":"to","start":1112.9349,"end":1113.095,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04557560756802559},{"word":"six","start":1113.095,"end":1113.495,"confidence":0.98950195,"punctuated_word":"six,","sentiment":"neutral","sentiment_score":-0.035556212067604065},{"word":"or","start":1113.495,"end":1113.815,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.030655276030302048},{"word":"between","start":1113.815,"end":1114.2949,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.02458181232213974},{"word":"'2","start":1114.2949,"end":1114.535,"confidence":1.0,"punctuated_word":"'2","sentiment":"neutral","sentiment_score":-0.028338460251688957},{"word":"to","start":1114.535,"end":1114.775,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.037917010486125946},{"word":"three","start":1114.775,"end":1115.095,"confidence":0.8911133,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":-0.03126120567321777},{"word":"or","start":1115.095,"end":1115.415,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.032498374581336975},{"word":"less","start":1115.415,"end":1115.735,"confidence":1.0,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.045984867960214615},{"word":"than","start":1115.735,"end":1115.895,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.043595507740974426},{"word":"two","start":1115.895,"end":1116.395,"confidence":0.782959,"punctuated_word":"two?","sentiment":"neutral","sentiment_score":-0.01939854398369789},{"word":"yep","start":1119.815,"end":1120.315,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2418310344219208},{"word":"fantastic","start":1120.375,"end":1120.875,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6613560914993286},{"word":"so","start":1121.975,"end":1122.375,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12197107076644896},{"word":"the","start":1122.375,"end":1122.535,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04768991470336914},{"word":"next","start":1122.535,"end":1122.775,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.01814626157283783},{"word":"question","start":1122.775,"end":1123.095,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.10439509898424149},{"word":"is","start":1123.095,"end":1123.415,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.006040796637535095},{"word":"inflation","start":1123.415,"end":1123.915,"confidence":0.88964844,"punctuated_word":"inflation","sentiment":"neutral","sentiment_score":0.04663211107254028},{"word":"means","start":1123.975,"end":1124.2949,"confidence":0.9980469,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.14302510023117063},{"word":"things","start":1124.2949,"end":1124.535,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.23113690316677096},{"word":"are","start":1124.535,"end":1124.695,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.16437923908233645},{"word":"getting","start":1124.695,"end":1124.9349,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.2718217968940735},{"word":"more","start":1124.9349,"end":1125.1749,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.22812077403068545},{"word":"expensive","start":1125.1749,"end":1125.6749,"confidence":0.9980469,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.22053447365760803},{"word":"over","start":1125.895,"end":1126.135,"confidence":0.9951172,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.23580527305603027},{"word":"time","start":1126.135,"end":1126.5,"confidence":0.9526367,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.19121752679347992},{"word":"making","start":1126.74,"end":1127.24,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.2850228548049927},{"word":"our","start":1127.78,"end":1128.18,"confidence":0.9716797,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.25801560282707214},{"word":"money","start":1128.18,"end":1128.5,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.2496194839477539},{"word":"worth","start":1128.5,"end":1128.82,"confidence":0.9716797,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.35199350118637085},{"word":"less","start":1128.82,"end":1129.32,"confidence":0.99316406,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.16804592311382294},{"word":"how","start":1129.94,"end":1130.18,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.08088798075914383},{"word":"much","start":1130.18,"end":1130.66,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1334175020456314},{"word":"risk","start":1130.66,"end":1131.14,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1482677161693573},{"word":"are","start":1131.14,"end":1131.38,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10694843530654909},{"word":"you","start":1131.38,"end":1131.62,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13807059824466705},{"word":"willing","start":1131.62,"end":1132.12,"confidence":1.0,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.15099626779556274},{"word":"to","start":1132.18,"end":1132.34,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12628968060016632},{"word":"take","start":1132.34,"end":1132.74,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.12584125995635986},{"word":"to","start":1132.74,"end":1132.98,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14126236736774445},{"word":"keep","start":1132.98,"end":1133.22,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.17406605184078217},{"word":"up","start":1133.22,"end":1133.62,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.16361066699028015},{"word":"with","start":1133.62,"end":1133.86,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13899824023246765},{"word":"rising","start":1133.86,"end":1134.36,"confidence":0.99902344,"punctuated_word":"rising","sentiment":"neutral","sentiment_score":-0.10733119398355484},{"word":"prices","start":1134.58,"end":1135.08,"confidence":0.99609375,"punctuated_word":"prices?","sentiment":"neutral","sentiment_score":-0.1359112560749054},{"word":"would","start":1135.78,"end":1136.02,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.1135328859090805},{"word":"you","start":1136.02,"end":1136.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.098236083984375},{"word":"be","start":1136.26,"end":1136.5,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0901387631893158},{"word":"willing","start":1136.5,"end":1136.82,"confidence":1.0,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.12526515126228333},{"word":"to","start":1136.82,"end":1137.06,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10112537443637848},{"word":"accept","start":1137.06,"end":1137.54,"confidence":1.0,"punctuated_word":"accept","sentiment":"neutral","sentiment_score":-0.17255529761314392},{"word":"a","start":1137.54,"end":1137.7,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09377237409353256},{"word":"very","start":1137.7,"end":1138.02,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.13135789334774017},{"word":"high","start":1138.02,"end":1138.26,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.13852627575397491},{"word":"risk","start":1138.26,"end":1138.76,"confidence":0.94750977,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.1471705287694931},{"word":"willing","start":1139.14,"end":1139.54,"confidence":1.0,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.13577622175216675},{"word":"to","start":1139.54,"end":1139.7,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12260988354682922},{"word":"accept","start":1139.7,"end":1140.2,"confidence":1.0,"punctuated_word":"accept","sentiment":"neutral","sentiment_score":-0.1670660674571991},{"word":"high","start":1140.925,"end":1141.165,"confidence":0.7138672,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.1163061112165451},{"word":"risk","start":1141.165,"end":1141.665,"confidence":0.9975586,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.11416594684123992},{"word":"a","start":1141.965,"end":1142.125,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1235864832997322},{"word":"moderate","start":1142.125,"end":1142.605,"confidence":1.0,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":-0.1283443123102188},{"word":"risk","start":1142.605,"end":1143.105,"confidence":0.99902344,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.1088435873389244},{"word":"a","start":1143.3251,"end":1143.5651,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13041642308235168},{"word":"small","start":1143.5651,"end":1143.805,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.06918879598379135},{"word":"amount","start":1143.805,"end":1144.125,"confidence":0.9970703,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.12623384594917297},{"word":"of","start":1144.125,"end":1144.285,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15798449516296387},{"word":"risk","start":1144.285,"end":1144.685,"confidence":0.98339844,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.11616893112659454},{"word":"or","start":1144.685,"end":1145.005,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11683172732591628},{"word":"none","start":1145.005,"end":1145.505,"confidence":0.8791504,"punctuated_word":"none?","sentiment":"neutral","sentiment_score":-0.09322452545166016},{"word":"moderate","start":1147.965,"end":1148.465,"confidence":0.8718262,"punctuated_word":"Moderate?","sentiment":"neutral","sentiment_score":-0.0029265235643833876},{"word":"okay","start":1148.765,"end":1149.265,"confidence":0.99658203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05555594339966774},{"word":"beautiful","start":1149.3251,"end":1149.8251,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4831957519054413},{"word":"and","start":1151.645,"end":1151.885,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10977743566036224},{"word":"the","start":1151.885,"end":1152.045,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06557537615299225},{"word":"next","start":1152.045,"end":1152.365,"confidence":0.9819336,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09229302406311037},{"word":"question","start":1152.365,"end":1152.765,"confidence":0.98828125,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.13971282541751862},{"word":"is","start":1152.765,"end":1153.165,"confidence":0.8647461,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.041498616337776184},{"word":"in","start":1153.165,"end":1153.665,"confidence":0.9194336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01251593604683876},{"word":"months'","start":1153.98,"end":1154.22,"confidence":0.82910156,"punctuated_word":"months'","sentiment":"neutral","sentiment_score":-0.016286177560687065},{"word":"time","start":1154.22,"end":1154.72,"confidence":0.99902344,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.014635374769568443},{"word":"how","start":1154.78,"end":1155.02,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.03886553645133972},{"word":"would","start":1155.02,"end":1155.26,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.057918522506952286},{"word":"you","start":1155.26,"end":1155.42,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.043500930070877075},{"word":"feel","start":1155.42,"end":1155.66,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.10356512665748596},{"word":"if","start":1155.66,"end":1155.98,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06424465030431747},{"word":"you","start":1155.98,"end":1156.3,"confidence":0.9760742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.059311263263225555},{"word":"found","start":1156.3,"end":1156.62,"confidence":0.9316406,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.04592813551425934},{"word":"out","start":1156.62,"end":1156.78,"confidence":0.8881836,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03453529626131058},{"word":"your","start":1156.78,"end":1157.1,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10887473821640016},{"word":"portfolio","start":1157.1,"end":1157.6,"confidence":0.99121094,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.3247540295124054},{"word":"decreased","start":1158.14,"end":1158.62,"confidence":0.9741211,"punctuated_word":"decreased","sentiment":"neutral","sentiment_score":-0.14599105715751648},{"word":"by","start":1158.62,"end":1159.02,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.17535555362701416},{"word":"20%","start":1159.02,"end":1159.92,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.2490159273147583},{"word":"due","start":1159.98,"end":1160.22,"confidence":1.0,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.20036078989505768},{"word":"to","start":1160.22,"end":1160.54,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13178029656410217},{"word":"trends","start":1160.54,"end":1160.94,"confidence":0.9741211,"punctuated_word":"trends","sentiment":"neutral","sentiment_score":-0.21970200538635257},{"word":"in","start":1160.94,"end":1161.1799,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18311309814453125},{"word":"the","start":1161.1799,"end":1161.58,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15632392466068268},{"word":"financial","start":1161.58,"end":1162.08,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.16725024580955505},{"word":"market","start":1162.14,"end":1162.54,"confidence":0.81469727,"punctuated_word":"market?","sentiment":"neutral","sentiment_score":-0.14613935351371765},{"word":"so","start":1162.54,"end":1162.78,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0639602318406105},{"word":"if","start":1162.78,"end":1162.86,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05903353542089462},{"word":"you","start":1162.86,"end":1163.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0656496211886406},{"word":"think","start":1163.02,"end":1163.26,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.05263151228427887},{"word":"of","start":1163.26,"end":1163.42,"confidence":0.9589844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05551548674702644},{"word":"that","start":1163.42,"end":1163.82,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03834492340683937},{"word":"vanguard","start":1163.82,"end":1164.32,"confidence":0.9013672,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":-0.027263034135103226},{"word":"chart","start":1164.62,"end":1165.12,"confidence":0.93066406,"punctuated_word":"chart,","sentiment":"neutral","sentiment_score":-0.006499432027339935},{"word":"would","start":1165.66,"end":1165.9,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.031104717403650284},{"word":"you","start":1165.9,"end":1166.22,"confidence":0.90722656,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.04541417956352234},{"word":"number","start":1166.22,"end":1166.54,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.015810571610927582},{"word":"one","start":1166.54,"end":1167.04,"confidence":1.0,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.02819475531578064},{"word":"invest","start":1167.1799,"end":1167.6799,"confidence":0.99902344,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":-0.04065003618597984},{"word":"heavily","start":1167.9,"end":1168.4,"confidence":1.0,"punctuated_word":"heavily","sentiment":"neutral","sentiment_score":-0.0026438310742378235},{"word":"for","start":1168.46,"end":1168.7,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.033651772886514664},{"word":"growth","start":1168.7,"end":1169.175,"confidence":0.9370117,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":-0.009723922237753868},{"word":"invest","start":1169.8151,"end":1170.3151,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":-0.039480049163103104},{"word":"modestly","start":1170.375,"end":1170.875,"confidence":1.0,"punctuated_word":"modestly","sentiment":"neutral","sentiment_score":-0.0026809200644493103},{"word":"for","start":1171.0951,"end":1171.415,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0014004185795783997},{"word":"growth","start":1171.415,"end":1171.915,"confidence":0.9995117,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.0024581123143434525},{"word":"hold","start":1172.615,"end":1173.115,"confidence":0.9980469,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.026990890502929688},{"word":"and","start":1173.175,"end":1173.655,"confidence":0.9267578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05006919056177139},{"word":"weight","start":1173.655,"end":1174.155,"confidence":0.6489258,"punctuated_word":"weight","sentiment":"neutral","sentiment_score":0.0009292885661125184},{"word":"improvement","start":1174.2151,"end":1174.7151,"confidence":0.9875488,"punctuated_word":"improvement,","sentiment":"neutral","sentiment_score":-0.007170867174863815},{"word":"shift","start":1175.7351,"end":1176.135,"confidence":0.99902344,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":-0.01951470971107483},{"word":"your","start":1176.135,"end":1176.4551,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.052583832293748856},{"word":"assets","start":1176.4551,"end":1176.9551,"confidence":0.99902344,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.02555917203426361},{"word":"to","start":1177.015,"end":1177.515,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03342709690332413},{"word":"defensive","start":1177.895,"end":1178.395,"confidence":0.9863281,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.08230604231357574},{"word":"ones","start":1178.535,"end":1178.935,"confidence":0.95947266,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.05697811394929886},{"word":"to","start":1178.935,"end":1179.175,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0700094923377037},{"word":"minimize","start":1179.175,"end":1179.655,"confidence":1.0,"punctuated_word":"minimize","sentiment":"neutral","sentiment_score":-0.05179189145565033},{"word":"losses","start":1179.655,"end":1180.135,"confidence":0.98217773,"punctuated_word":"losses,","sentiment":"neutral","sentiment_score":-0.10937295854091644},{"word":"or","start":1180.135,"end":1180.375,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08033118396997452},{"word":"would","start":1180.375,"end":1180.535,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.04602641239762306},{"word":"you","start":1180.535,"end":1180.775,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07437612116336823},{"word":"convert","start":1180.775,"end":1181.275,"confidence":1.0,"punctuated_word":"convert","sentiment":"neutral","sentiment_score":-0.06470693647861481},{"word":"to","start":1181.3351,"end":1181.5751,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07440335303544998},{"word":"cash","start":1181.5751,"end":1181.94,"confidence":0.99853516,"punctuated_word":"cash?","sentiment":"neutral","sentiment_score":-0.1124434545636177},{"word":"yeah","start":1189.1399,"end":1189.6399,"confidence":0.92285156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09081938862800598},{"word":"so","start":1191.22,"end":1191.46,"confidence":0.6699219,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09371576458215714},{"word":"if","start":1191.46,"end":1191.62,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11911112070083618},{"word":"your","start":1191.62,"end":1191.94,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.11289402842521667},{"word":"portfolio","start":1191.94,"end":1192.44,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.2215237021446228},{"word":"decreased","start":1192.74,"end":1193.24,"confidence":0.9873047,"punctuated_word":"decreased","sentiment":"neutral","sentiment_score":-0.1212046965956688},{"word":"20%","start":1193.2999,"end":1194.105,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.20242401957511905},{"word":"today","start":1195.3049,"end":1195.8049,"confidence":0.9970703,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":-0.19954562187194824},{"word":"what","start":1196.4249,"end":1196.745,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.19611795246601105},{"word":"would","start":1196.745,"end":1196.905,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.18030834197998047},{"word":"you","start":1196.905,"end":1197.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18553441762924192},{"word":"do","start":1197.145,"end":1197.645,"confidence":0.9995117,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.16739296913146973},{"word":"sorry","start":1200.905,"end":1201.405,"confidence":0.9951172,"punctuated_word":"Sorry?","sentiment":"neutral","sentiment_score":-0.11868733167648315},{"word":"stress","start":1204.825,"end":1205.225,"confidence":0.9436035,"punctuated_word":"Stress.","sentiment":"neutral","sentiment_score":-0.12247809767723083},{"word":"yeah","start":1205.225,"end":1205.5449,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.061058200895786285},{"word":"yeah","start":1205.5449,"end":1205.865,"confidence":0.82421875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05974448472261429},{"word":"i","start":1205.865,"end":1205.945,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08645325899124146},{"word":"think","start":1205.945,"end":1206.1849,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.08335769921541214},{"word":"we","start":1206.1849,"end":1206.345,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07426975667476654},{"word":"all","start":1206.345,"end":1206.585,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07801996171474457},{"word":"probably","start":1206.585,"end":1207.065,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.0957438349723816},{"word":"would","start":1207.065,"end":1207.53,"confidence":0.8874512,"punctuated_word":"would.","sentiment":"neutral","sentiment_score":-0.09967708587646484},{"word":"but","start":1207.77,"end":1208.01,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.11722943186759947},{"word":"would","start":1208.01,"end":1208.49,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.12238965928554536},{"word":"would","start":1208.49,"end":1208.65,"confidence":0.9741211,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11560070514678956},{"word":"you","start":1208.65,"end":1209.05,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1079353541135788},{"word":"would","start":1209.05,"end":1209.29,"confidence":0.97509766,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10744915902614594},{"word":"you","start":1209.29,"end":1209.4501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11293454468250276},{"word":"ring","start":1209.4501,"end":1209.6901,"confidence":0.99902344,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.13605472445487976},{"word":"me","start":1209.6901,"end":1209.93,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.147959902882576},{"word":"and","start":1209.93,"end":1210.43,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14137384295463562},{"word":"say","start":1210.97,"end":1211.37,"confidence":0.904541,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.1412222683429718},{"word":"what","start":1211.37,"end":1211.53,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.21440982818603516},{"word":"would","start":1211.53,"end":1211.6901,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1893458068370819},{"word":"we","start":1211.6901,"end":1212.01,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16832353174686432},{"word":"do","start":1212.01,"end":1212.3301,"confidence":0.8647461,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.20054739713668823},{"word":"what","start":1212.3301,"end":1212.5701,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.23026986420154572},{"word":"should","start":1212.5701,"end":1212.73,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.17537082731723783},{"word":"i","start":1212.73,"end":1212.89,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15979181230068207},{"word":"do","start":1212.89,"end":1213.29,"confidence":0.9675293,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.15864621102809906},{"word":"or","start":1213.29,"end":1213.53,"confidence":0.99902344,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.148817777633667},{"word":"would","start":1213.53,"end":1213.6901,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.12001287937164308},{"word":"you","start":1213.6901,"end":1213.93,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12852470576763153},{"word":"ring","start":1213.93,"end":1214.17,"confidence":1.0,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.12333834171295166},{"word":"and","start":1214.17,"end":1214.41,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12511172890663147},{"word":"say","start":1214.41,"end":1214.91,"confidence":0.9189453,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.12163751572370528},{"word":"i","start":1214.97,"end":1215.2101,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12271377444267272},{"word":"wanna","start":1215.2101,"end":1215.53,"confidence":0.9741211,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.11494879424571992},{"word":"move","start":1215.53,"end":1215.85,"confidence":0.99902344,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.11221756041049956},{"word":"or","start":1215.85,"end":1216.0901,"confidence":0.8671875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16178293526172638},{"word":"i","start":1216.0901,"end":1216.25,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15015971660614014},{"word":"wanna","start":1216.25,"end":1216.5701,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1755063235759735},{"word":"sell","start":1216.5701,"end":1216.81,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.15370211005210876},{"word":"all","start":1216.81,"end":1216.97,"confidence":0.83203125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1680811196565628},{"word":"my","start":1216.97,"end":1217.2101,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.18430769443511963},{"word":"growth","start":1217.2101,"end":1217.61,"confidence":0.97802734,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.14456401765346527},{"word":"assets","start":1217.61,"end":1218.01,"confidence":0.99902344,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.13592883944511414},{"word":"and","start":1218.01,"end":1218.25,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15598168969154358},{"word":"put","start":1218.25,"end":1218.41,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.15711727738380432},{"word":"it","start":1218.41,"end":1218.5701,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1518155038356781},{"word":"in","start":1218.5701,"end":1218.97,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13898316025733948},{"word":"defensive","start":1218.97,"end":1219.47,"confidence":0.94140625,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.1415945291519165},{"word":"assets","start":1219.6901,"end":1220.0901,"confidence":0.96240234,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.11680151522159576},{"word":"or","start":1220.0901,"end":1220.25,"confidence":0.9482422,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.15391165018081665},{"word":"put","start":1220.25,"end":1220.41,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.12603728473186493},{"word":"it","start":1220.41,"end":1220.5701,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13973042368888855},{"word":"all","start":1220.5701,"end":1220.73,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.14854922890663147},{"word":"in","start":1220.73,"end":1220.97,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1356683224439621},{"word":"cash","start":1220.97,"end":1221.29,"confidence":0.9863281,"punctuated_word":"cash?","sentiment":"neutral","sentiment_score":-0.12759527564048767},{"word":"what","start":1221.29,"end":1221.53,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.13179397583007812},{"word":"do","start":1221.53,"end":1221.61,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11857744306325912},{"word":"you","start":1221.61,"end":1221.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12363260239362717},{"word":"think","start":1221.77,"end":1222.0901,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.11855567991733552},{"word":"you","start":1222.0901,"end":1222.3301,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12396004796028136},{"word":"would","start":1222.3301,"end":1222.5701,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11798415333032608},{"word":"do","start":1222.5701,"end":1222.755,"confidence":0.9975586,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.1329984962940216},{"word":"yes","start":1227.3151,"end":1227.795,"confidence":0.8251953,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.005527522414922714},{"word":"okay","start":1227.795,"end":1228.295,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0182739682495594},{"word":"my","start":1229.075,"end":1229.395,"confidence":0.62841797,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.02660658210515976},{"word":"advice","start":1229.395,"end":1229.895,"confidence":0.9970703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.049981340765953064},{"word":"would","start":1230.355,"end":1230.595,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01780218631029129},{"word":"be","start":1230.595,"end":1230.835,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.018826398998498917},{"word":"hold","start":1230.835,"end":1231.335,"confidence":0.9580078,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.019572079181671143},{"word":"because","start":1232.595,"end":1233.095,"confidence":0.50439453,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.042662639170885086},{"word":"the","start":1233.395,"end":1233.475,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03939585015177727},{"word":"reason","start":1233.475,"end":1233.975,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.04914210736751557},{"word":"being","start":1234.035,"end":1234.535,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.050838008522987366},{"word":"is","start":1234.915,"end":1235.155,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04990804195404053},{"word":"that","start":1235.155,"end":1235.655,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05444122105836868},{"word":"we","start":1235.715,"end":1235.875,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08464644849300385},{"word":"don't","start":1235.875,"end":1236.195,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1213510036468506},{"word":"wanna","start":1236.195,"end":1236.515,"confidence":0.9589844,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.17585667967796326},{"word":"sell","start":1236.515,"end":1236.835,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.2704155445098877},{"word":"our","start":1236.835,"end":1236.995,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.2008473575115204},{"word":"growth","start":1236.995,"end":1237.395,"confidence":0.9560547,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.2339903712272644},{"word":"assets","start":1237.395,"end":1237.895,"confidence":0.9921875,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.16859868168830872},{"word":"at","start":1238.115,"end":1238.275,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2889379560947418},{"word":"a","start":1238.275,"end":1238.435,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2509654462337494},{"word":"loss","start":1238.435,"end":1238.7,"confidence":0.9995117,"punctuated_word":"loss.","sentiment":"neutral","sentiment_score":-0.14883118867874146},{"word":"does","start":1240.7,"end":1240.94,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.018550924956798553},{"word":"that","start":1240.94,"end":1241.1799,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02923507988452911},{"word":"make","start":1241.1799,"end":1241.34,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.00384153425693512},{"word":"sense","start":1241.34,"end":1241.84,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.0026079602539539337},{"word":"okay","start":1243.82,"end":1244.32,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.043819308280944824},{"word":"the","start":1245.1799,"end":1245.4199,"confidence":0.77685547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.017446815967559814},{"word":"next","start":1245.4199,"end":1245.9199,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.019357241690158844},{"word":"question","start":1246.0599,"end":1246.46,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.06366626918315887},{"word":"is","start":1246.46,"end":1246.7,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026309162378311157},{"word":"what","start":1246.7,"end":1246.94,"confidence":0.5722656,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02078375220298767},{"word":"kind","start":1246.94,"end":1247.1799,"confidence":1.0,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0037841796875},{"word":"of","start":1247.1799,"end":1247.26,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0068153440952301025},{"word":"return","start":1247.26,"end":1247.6599,"confidence":0.9091797,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.11158312857151031},{"word":"do","start":1247.6599,"end":1247.82,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.010063238441944122},{"word":"you","start":1247.82,"end":1247.98,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.048273757100105286},{"word":"expect","start":1247.98,"end":1248.2999,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.04802117496728897},{"word":"to","start":1248.2999,"end":1248.46,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07284248620271683},{"word":"get","start":1248.46,"end":1248.96,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1441217064857483},{"word":"from","start":1249.4199,"end":1249.6599,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10211493074893951},{"word":"your","start":1249.6599,"end":1249.8999,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06304558366537094},{"word":"investments","start":1249.8999,"end":1250.3999,"confidence":0.98828125,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.048486366868019104},{"word":"over","start":1250.5399,"end":1250.7,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09168999642133711},{"word":"the","start":1250.7,"end":1250.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05427394062280655},{"word":"long","start":1250.86,"end":1251.1,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.07816971093416214},{"word":"term","start":1251.1,"end":1251.6,"confidence":0.9628906,"punctuated_word":"term?","sentiment":"neutral","sentiment_score":0.04915742203593254},{"word":"8%","start":1252.0599,"end":1252.62,"confidence":0.9970703,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.038784369826316833},{"word":"above","start":1252.62,"end":1253.12,"confidence":0.97314453,"punctuated_word":"above,","sentiment":"neutral","sentiment_score":0.05548762530088425},{"word":"six","start":1253.6599,"end":1253.98,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.07557348906993866},{"word":"to","start":1253.98,"end":1254.255,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01813388615846634},{"word":"8%","start":1254.335,"end":1254.915,"confidence":0.9995117,"punctuated_word":"8%,","sentiment":"neutral","sentiment_score":0.05701775848865509},{"word":"four","start":1255.295,"end":1255.615,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.06274491548538208},{"word":"to","start":1255.615,"end":1255.855,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0223250612616539},{"word":"six","start":1255.855,"end":1256.255,"confidence":0.9555664,"punctuated_word":"six,","sentiment":"neutral","sentiment_score":0.03883211314678192},{"word":"or","start":1256.255,"end":1256.495,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05779262259602547},{"word":"two","start":1256.495,"end":1256.735,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0540805459022522},{"word":"to","start":1256.735,"end":1256.895,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027599990367889404},{"word":"4%","start":1256.895,"end":1257.715,"confidence":0.9395752,"punctuated_word":"4%.","sentiment":"neutral","sentiment_score":0.06147884950041771},{"word":"it's","start":1263.855,"end":1264.015,"confidence":0.9145508,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04341557621955872},{"word":"there's","start":1264.095,"end":1264.335,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.021307623013854027},{"word":"no","start":1264.335,"end":1264.495,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.00525549054145813},{"word":"right","start":1264.495,"end":1264.655,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.10566186159849168},{"word":"or","start":1264.655,"end":1264.8151,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11714520305395126},{"word":"wrong","start":1264.8151,"end":1265.055,"confidence":1.0,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.09314620494842528},{"word":"answer","start":1265.055,"end":1265.295,"confidence":0.9851074,"punctuated_word":"answer.","sentiment":"neutral","sentiment_score":-0.07358050346374512},{"word":"it's","start":1265.295,"end":1265.455,"confidence":0.9914551,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08898414671421051},{"word":"just","start":1265.455,"end":1265.695,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09898820519447328},{"word":"what","start":1265.695,"end":1265.855,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12044815719127656},{"word":"you","start":1265.855,"end":1266.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11795131117105484},{"word":"would","start":1266.015,"end":1266.255,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11236945539712906},{"word":"like","start":1266.255,"end":1266.45,"confidence":0.9975586,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.10735779255628586},{"word":"yep","start":1271.73,"end":1272.13,"confidence":0.95825195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15424415469169617},{"word":"that's","start":1272.13,"end":1272.37,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24404412508010864},{"word":"fine","start":1272.37,"end":1272.87,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.23968127369880676},{"word":"then","start":1275.4099,"end":1275.9099,"confidence":0.6386719,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.06529828906059265},{"word":"so","start":1277.57,"end":1277.8099,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.045072831213474274},{"word":"the","start":1277.8099,"end":1277.97,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034938037395477295},{"word":"next","start":1277.97,"end":1278.21,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.01986483484506607},{"word":"question","start":1278.21,"end":1278.61,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.026690833270549778},{"word":"is","start":1278.61,"end":1279.01,"confidence":0.8774414,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.013771824538707731},{"word":"have","start":1279.01,"end":1279.25,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.025900162756443024},{"word":"your","start":1279.25,"end":1279.49,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02867031842470169},{"word":"investments","start":1279.49,"end":1279.99,"confidence":0.7524414,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.03889021649956703},{"word":"including","start":1280.0499,"end":1280.45,"confidence":1.0,"punctuated_word":"including","sentiment":"neutral","sentiment_score":-0.019207850098609924},{"word":"your","start":1280.45,"end":1280.805,"confidence":0.97509766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.029765605926513672},{"word":"superannuation","start":1281.685,"end":1281.765,"confidence":0.9213867,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.01463260781019926},{"word":"ever","start":1281.765,"end":1282.005,"confidence":0.9921875,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.015314489603042604},{"word":"dropped","start":1282.005,"end":1282.3251,"confidence":0.99902344,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.14966270327568054},{"word":"in","start":1282.3251,"end":1282.4851,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0906943678855896},{"word":"value","start":1282.4851,"end":1282.9851,"confidence":0.9663086,"punctuated_word":"value?","sentiment":"neutral","sentiment_score":-0.0742245465517044},{"word":"and","start":1283.765,"end":1284.0851,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.004304997622966766},{"word":"if","start":1284.0851,"end":1284.3251,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.004001088440418243},{"word":"yes","start":1284.3251,"end":1284.8251,"confidence":0.9875488,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.025422971695661545},{"word":"how","start":1285.045,"end":1285.285,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0033426061272621155},{"word":"did","start":1285.285,"end":1285.4451,"confidence":0.9941406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.001502998173236847},{"word":"it","start":1285.4451,"end":1285.6051,"confidence":0.8886719,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04631863534450531},{"word":"make","start":1285.6051,"end":1285.925,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03398147225379944},{"word":"you","start":1285.925,"end":1286.0851,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04691743850708008},{"word":"feel","start":1286.0851,"end":1286.5851,"confidence":0.99194336,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":-0.029692955315113068},{"word":"optimistic","start":1287.8451,"end":1288.3451,"confidence":0.99560547,"punctuated_word":"Optimistic","sentiment":"neutral","sentiment_score":0.021789152175188065},{"word":"about","start":1288.5651,"end":1289.045,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.09205761551856996},{"word":"the","start":1289.045,"end":1289.2051,"confidence":0.9267578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2028338462114334},{"word":"future","start":1289.2051,"end":1289.685,"confidence":0.99902344,"punctuated_word":"future","sentiment":"neutral","sentiment_score":-0.03482602536678314},{"word":"investments","start":1289.685,"end":1290.185,"confidence":0.82299805,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.04053397476673126},{"word":"cautious","start":1290.885,"end":1291.385,"confidence":1.0,"punctuated_word":"cautious","sentiment":"neutral","sentiment_score":-0.24028635025024417},{"word":"with","start":1291.925,"end":1292.165,"confidence":0.9243164,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3057011365890503},{"word":"no","start":1292.165,"end":1292.3251,"confidence":0.9980469,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.35269901156425476},{"word":"further","start":1292.3251,"end":1292.805,"confidence":0.99902344,"punctuated_word":"further","sentiment":"negative","sentiment_score":-0.35984501242637634},{"word":"investments","start":1292.805,"end":1293.305,"confidence":0.98095703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.2914746403694153},{"word":"planned","start":1293.3651,"end":1293.8651,"confidence":0.9926758,"punctuated_word":"planned,","sentiment":"negative","sentiment_score":-0.36304813623428345},{"word":"concerned","start":1294.645,"end":1295.145,"confidence":0.9951172,"punctuated_word":"concerned,","sentiment":"negative","sentiment_score":-0.4201030731201172},{"word":"highly","start":1295.925,"end":1296.175,"confidence":0.98828125,"punctuated_word":"highly","sentiment":"negative","sentiment_score":-0.5057884454727173},{"word":"anxious","start":1296.175,"end":1296.675,"confidence":0.9819336,"punctuated_word":"anxious","sentiment":"negative","sentiment_score":-0.5959352254867554},{"word":"and","start":1297.18,"end":1297.26,"confidence":0.98291016,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4990007281303406},{"word":"seeking","start":1297.26,"end":1297.76,"confidence":1.0,"punctuated_word":"seeking","sentiment":"negative","sentiment_score":-0.5457112789154053},{"word":"advice","start":1297.9,"end":1298.4,"confidence":0.9562988,"punctuated_word":"advice,","sentiment":"negative","sentiment_score":-0.4711439609527588},{"word":"or","start":1298.62,"end":1298.86,"confidence":0.99902344,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.36463549733161926},{"word":"seeking","start":1298.86,"end":1299.18,"confidence":1.0,"punctuated_word":"seeking","sentiment":"negative","sentiment_score":-0.4424441456794739},{"word":"to","start":1299.18,"end":1299.5,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.42765751481056213},{"word":"maintain","start":1299.5,"end":1300.0,"confidence":1.0,"punctuated_word":"maintain","sentiment":"negative","sentiment_score":-0.4554946422576904},{"word":"losses","start":1300.14,"end":1300.64,"confidence":0.80908203,"punctuated_word":"losses.","sentiment":"neutral","sentiment_score":-0.24124473333358765},{"word":"so","start":1311.175,"end":1311.415,"confidence":0.6826172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07576233148574829},{"word":"that","start":1311.415,"end":1311.495,"confidence":0.5961914,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08991426229476929},{"word":"yes","start":1311.5751,"end":1311.895,"confidence":0.9560547,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.07158781588077545},{"word":"so","start":1311.895,"end":1312.055,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1133190244436264},{"word":"that's","start":1312.055,"end":1312.295,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.11897988617420197},{"word":"two","start":1312.295,"end":1312.535,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.09808918833732604},{"word":"separate","start":1312.535,"end":1312.855,"confidence":1.0,"punctuated_word":"separate","sentiment":"neutral","sentiment_score":-0.12661120295524597},{"word":"ones","start":1312.855,"end":1313.015,"confidence":0.9785156,"punctuated_word":"ones.","sentiment":"neutral","sentiment_score":-0.12357798963785172},{"word":"so","start":1313.015,"end":1313.255,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15347671508789062},{"word":"it's","start":1313.255,"end":1313.5751,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.18541938066482544},{"word":"concerned","start":1313.5751,"end":1314.0751,"confidence":0.9980469,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.22782011330127716},{"word":"or","start":1314.6951,"end":1315.175,"confidence":0.98291016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.25712379813194275},{"word":"highly","start":1315.175,"end":1315.655,"confidence":1.0,"punctuated_word":"highly","sentiment":"neutral","sentiment_score":-0.32711705565452576},{"word":"anxious","start":1315.655,"end":1316.135,"confidence":1.0,"punctuated_word":"anxious","sentiment":"negative","sentiment_score":-0.3343130648136139},{"word":"and","start":1316.135,"end":1316.455,"confidence":0.99316406,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.37076687812805176},{"word":"seeking","start":1316.455,"end":1316.855,"confidence":1.0,"punctuated_word":"seeking","sentiment":"negative","sentiment_score":-0.39188385009765625},{"word":"advice","start":1316.855,"end":1317.355,"confidence":0.9819336,"punctuated_word":"advice.","sentiment":"negative","sentiment_score":-0.3351008892059326},{"word":"so","start":1318.455,"end":1318.615,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06896789371967316},{"word":"you","start":1318.615,"end":1318.775,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08244097977876663},{"word":"could","start":1318.775,"end":1318.935,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.09613799303770064},{"word":"be","start":1318.935,"end":1319.095,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09632597118616104},{"word":"concerned","start":1319.095,"end":1319.5751,"confidence":1.0,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.12677034735679626},{"word":"and","start":1319.5751,"end":1319.735,"confidence":0.94384766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09087902307510376},{"word":"seeking","start":1319.735,"end":1320.135,"confidence":0.99902344,"punctuated_word":"seeking","sentiment":"neutral","sentiment_score":-0.11278916895389555},{"word":"advice","start":1320.135,"end":1320.535,"confidence":0.86279297,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":-0.1212230622768402},{"word":"or","start":1320.535,"end":1320.855,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0935441479086876},{"word":"would","start":1320.855,"end":1321.015,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.09050047397613524},{"word":"you","start":1321.015,"end":1321.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11327102780342102},{"word":"be","start":1321.175,"end":1321.415,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12232643365859984},{"word":"highly","start":1321.415,"end":1321.735,"confidence":1.0,"punctuated_word":"highly","sentiment":"neutral","sentiment_score":-0.11765770614147186},{"word":"anxious","start":1321.735,"end":1322.135,"confidence":1.0,"punctuated_word":"anxious","sentiment":"neutral","sentiment_score":-0.13298898935317993},{"word":"and","start":1322.135,"end":1322.375,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.143393412232399},{"word":"seeking","start":1322.375,"end":1322.775,"confidence":1.0,"punctuated_word":"seeking","sentiment":"neutral","sentiment_score":-0.1557399332523346},{"word":"advice","start":1322.775,"end":1323.275,"confidence":0.9921875,"punctuated_word":"advice?","sentiment":"neutral","sentiment_score":-0.1536615639925003},{"word":"yep","start":1326.3401,"end":1326.8201,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.010864613577723505},{"word":"okay","start":1326.8201,"end":1327.3201,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.014622596092522144},{"word":"and","start":1328.1001,"end":1328.6001,"confidence":0.9580078,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04696817323565483},{"word":"yeah","start":1330.5801,"end":1331.0801,"confidence":0.9904785,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.00959695503115654},{"word":"that's","start":1331.14,"end":1331.54,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07171972841024399},{"word":"okay","start":1331.54,"end":1332.02,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07147270441055298},{"word":"and","start":1332.02,"end":1332.3401,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01382560282945633},{"word":"the","start":1332.3401,"end":1332.5,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00880848802626133},{"word":"last","start":1332.5,"end":1332.8201,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0027286596596240997},{"word":"one","start":1332.8201,"end":1333.2201,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0026757121086120605},{"word":"is","start":1333.2201,"end":1333.7201,"confidence":0.861084,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.0032521625980734825},{"word":"have","start":1333.8601,"end":1334.1001,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.002560693770647049},{"word":"you","start":1334.1001,"end":1334.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0028053801506757736},{"word":"ever","start":1334.26,"end":1334.66,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.0022310856729745865},{"word":"thought","start":1334.66,"end":1334.9801,"confidence":0.9980469,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.0024428199976682663},{"word":"about","start":1334.9801,"end":1335.4601,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0003285333514213562},{"word":"taking","start":1335.4601,"end":1335.78,"confidence":0.99902344,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.005975492298603058},{"word":"out","start":1335.78,"end":1335.9401,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0022858530282974243},{"word":"a","start":1335.9401,"end":1336.1001,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0026086196303367615},{"word":"loan","start":1336.1001,"end":1336.455,"confidence":0.99902344,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.01355116441845894},{"word":"to","start":1336.615,"end":1336.7749,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0010364018380641935},{"word":"invest","start":1336.7749,"end":1337.2749,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.005669957026839256},{"word":"to","start":1337.815,"end":1338.135,"confidence":0.7084961,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006942875683307648},{"word":"borrow","start":1338.135,"end":1338.635,"confidence":1.0,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":0.00554339773952961},{"word":"for","start":1338.695,"end":1339.195,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0011334717273712158},{"word":"shares","start":1339.575,"end":1340.075,"confidence":0.99902344,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.01182032935321331},{"word":"or","start":1340.695,"end":1340.9349,"confidence":0.9633789,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0030651316046714783},{"word":"an","start":1340.9349,"end":1341.1749,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.005977099761366844},{"word":"investment","start":1341.1749,"end":1341.6749,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0005669966340065002},{"word":"property","start":1341.735,"end":1342.235,"confidence":0.9970703,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.017415611073374748},{"word":"or","start":1342.375,"end":1342.615,"confidence":0.9741211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0016929730772972107},{"word":"only","start":1342.615,"end":1342.9349,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.011419512331485748},{"word":"for","start":1342.9349,"end":1343.1749,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.011836618185043337},{"word":"your","start":1343.1749,"end":1343.6749,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.009804554283618929},{"word":"principal","start":1344.0549,"end":1344.5349,"confidence":0.875,"punctuated_word":"principal","sentiment":"neutral","sentiment_score":0.004452701658010483},{"word":"place","start":1344.5349,"end":1344.855,"confidence":0.9970703,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.00918186828494072},{"word":"of","start":1344.855,"end":1345.015,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0022986698895692825},{"word":"residence","start":1345.015,"end":1345.515,"confidence":0.99658203,"punctuated_word":"residence?","sentiment":"neutral","sentiment_score":0.004768645390868187},{"word":"yep","start":1349.8949,"end":1350.03,"confidence":0.7944336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.018286002799868584},{"word":"yep","start":1351.23,"end":1351.73,"confidence":0.9897461,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08911287039518356},{"word":"okay","start":1352.5901,"end":1353.0901,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2426966428756714},{"word":"fantastic","start":1353.87,"end":1354.37,"confidence":0.9655762,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5031940937042236},{"word":"alright","start":1354.91,"end":1355.39,"confidence":0.9980469,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2945818603038788},{"word":"so","start":1355.39,"end":1355.63,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2191557884216309},{"word":"you","start":1355.63,"end":1355.87,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23876823484897616},{"word":"came","start":1355.87,"end":1356.03,"confidence":0.99902344,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.19819685816764832},{"word":"out","start":1356.03,"end":1356.43,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.17924658954143524},{"word":"as","start":1356.43,"end":1356.75,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12607696652412417},{"word":"a","start":1356.75,"end":1356.99,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.152554452419281},{"word":"moderate","start":1356.99,"end":1357.39,"confidence":0.9980469,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":0.18959391117095947},{"word":"investor","start":1357.39,"end":1357.89,"confidence":0.9194336,"punctuated_word":"investor.","sentiment":"neutral","sentiment_score":0.14215891063213348},{"word":"so","start":1358.8301,"end":1359.0701,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06810779869556427},{"word":"that","start":1359.0701,"end":1359.31,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07851816713809967},{"word":"is","start":1359.31,"end":1359.63,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08610023558139801},{"word":"the","start":1359.63,"end":1359.79,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09609505534172058},{"word":"one","start":1359.79,"end":1360.03,"confidence":0.99316406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09160776436328888},{"word":"below","start":1360.03,"end":1360.53,"confidence":0.9980469,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.08312296867370605},{"word":"growth","start":1360.5901,"end":1361.0901,"confidence":0.796875,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.0742792934179306},{"word":"which","start":1362.35,"end":1362.5901,"confidence":0.9951172,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.04722253233194351},{"word":"is","start":1362.5901,"end":1362.99,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05549273267388344},{"word":"the","start":1362.99,"end":1363.49,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.039650581777095795},{"word":"70","start":1364.67,"end":1365.17,"confidence":0.89990234,"punctuated_word":"70","sentiment":"neutral","sentiment_score":0.038526006042957306},{"word":"to","start":1365.47,"end":1365.63,"confidence":0.91259766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01942143961787224},{"word":"30%","start":1365.63,"end":1366.745,"confidence":0.98950195,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":0.06938605010509491},{"word":"allocation","start":1366.965,"end":1367.465,"confidence":0.9753418,"punctuated_word":"allocation.","sentiment":"neutral","sentiment_score":0.04827549308538437},{"word":"my","start":1369.925,"end":1370.085,"confidence":0.984375,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.028259936720132828},{"word":"advice","start":1370.085,"end":1370.585,"confidence":0.8989258,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.04169786721467972},{"word":"as","start":1371.365,"end":1371.685,"confidence":0.8984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06343114376068115},{"word":"an","start":1371.685,"end":1371.925,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06918466091156006},{"word":"adviser","start":1371.925,"end":1372.425,"confidence":0.9243164,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.06944021582603455},{"word":"is","start":1373.205,"end":1373.525,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06305254995822906},{"word":"to","start":1373.525,"end":1373.845,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04483158886432648},{"word":"maintain","start":1373.845,"end":1374.345,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.03050866723060608},{"word":"your","start":1374.405,"end":1374.725,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04279377683997154},{"word":"current","start":1374.725,"end":1375.225,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.02296801656484604},{"word":"risk","start":1375.365,"end":1375.685,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.021598801016807556},{"word":"profile","start":1375.685,"end":1376.185,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.017727099359035492},{"word":"being","start":1376.325,"end":1376.645,"confidence":0.99121094,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.02817930653691292},{"word":"a","start":1376.645,"end":1376.805,"confidence":0.95703125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02669152431190014},{"word":"growth","start":1376.805,"end":1377.305,"confidence":0.9501953,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.019375210627913475},{"word":"it","start":1377.765,"end":1377.925,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02776278555393219},{"word":"is","start":1377.925,"end":1378.165,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03496013954281807},{"word":"a","start":1378.165,"end":1378.245,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05186469852924347},{"word":"difference","start":1378.245,"end":1378.645,"confidence":0.99121094,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.026595979928970337},{"word":"of","start":1378.645,"end":1378.805,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04343211650848389},{"word":"a","start":1378.805,"end":1378.965,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026209713891148567},{"word":"10%","start":1378.965,"end":1379.685,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.030839379876852036},{"word":"allocation","start":1379.685,"end":1380.185,"confidence":1.0,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.032531291246414185},{"word":"to","start":1380.47,"end":1380.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03657383844256401},{"word":"growth","start":1380.79,"end":1381.1901,"confidence":0.82128906,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.013955052942037582},{"word":"assets","start":1381.1901,"end":1381.6901,"confidence":0.93969727,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.013597078621387482},{"word":"so","start":1382.31,"end":1382.63,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029136039316654205},{"word":"instead","start":1382.63,"end":1383.03,"confidence":0.99902344,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.022725004702806473},{"word":"of","start":1383.03,"end":1383.35,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02083565294742584},{"word":"70%","start":1383.35,"end":1384.33,"confidence":0.99902344,"punctuated_word":"70%,","sentiment":"neutral","sentiment_score":0.019642174243927},{"word":"it","start":1384.39,"end":1384.55,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.056771546602249146},{"word":"would","start":1384.55,"end":1384.79,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04022363945841789},{"word":"be","start":1384.79,"end":1385.11,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03082561120390892},{"word":"80%","start":1385.11,"end":1386.01,"confidence":0.9992676,"punctuated_word":"80%.","sentiment":"neutral","sentiment_score":0.03525417298078537},{"word":"you","start":1386.63,"end":1386.87,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.08384206891059875},{"word":"do","start":1386.87,"end":1387.1901,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08955604583024979},{"word":"have","start":1387.1901,"end":1387.59,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06670235097408295},{"word":"the","start":1387.59,"end":1387.83,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06287988275289536},{"word":"time","start":1387.83,"end":1388.33,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07957500219345093},{"word":"on","start":1388.39,"end":1388.63,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.057188525795936584},{"word":"your","start":1388.63,"end":1388.9501,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.069057896733284},{"word":"side","start":1388.9501,"end":1389.4501,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.12146805226802826},{"word":"to","start":1390.47,"end":1390.79,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05056195706129074},{"word":"withstand","start":1390.79,"end":1391.29,"confidence":0.9892578,"punctuated_word":"withstand","sentiment":"neutral","sentiment_score":0.07782363891601562},{"word":"the","start":1391.67,"end":1391.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04075416922569275},{"word":"market","start":1391.83,"end":1392.33,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.01428191363811493},{"word":"fluctuations","start":1392.47,"end":1392.97,"confidence":0.8063965,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":0.04360528662800789},{"word":"and","start":1395.375,"end":1395.6151,"confidence":0.9770508,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06652763485908508},{"word":"the","start":1395.6151,"end":1396.0951,"confidence":0.9199219,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12621715664863586},{"word":"and","start":1396.0951,"end":1396.3351,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12174467742443083},{"word":"the","start":1396.3351,"end":1396.4951,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14080175757408142},{"word":"benefit","start":1396.4951,"end":1396.895,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.23083314299583435},{"word":"is","start":1396.895,"end":1397.2151,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25761422514915466},{"word":"is","start":1397.2151,"end":1397.4551,"confidence":0.7416992,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29344552755355835},{"word":"that","start":1397.4551,"end":1397.6951,"confidence":0.44067383,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23795434832572937},{"word":"at","start":1397.6951,"end":1397.8551,"confidence":0.96777344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.248066246509552},{"word":"our","start":1397.8551,"end":1398.015,"confidence":0.9970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.23722365498542783},{"word":"regular","start":1398.015,"end":1398.4951,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.2575839161872864},{"word":"reviews","start":1398.4951,"end":1398.9951,"confidence":0.99658203,"punctuated_word":"reviews,","sentiment":"neutral","sentiment_score":0.17878729104995728},{"word":"we","start":1399.6951,"end":1400.1951,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17337249219417572},{"word":"revisit","start":1400.9751,"end":1401.4551,"confidence":1.0,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.15088583528995514},{"word":"this","start":1401.4551,"end":1401.775,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05967676639556885},{"word":"conversation","start":1401.775,"end":1402.275,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.11060580611228944},{"word":"every","start":1402.4951,"end":1402.8151,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.11970169842243196},{"word":"single","start":1402.8151,"end":1403.2151,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":0.13904984295368197},{"word":"time","start":1403.2151,"end":1403.7151,"confidence":0.9543457,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.10724953562021255},{"word":"so","start":1403.8551,"end":1404.015,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.019767286255955696},{"word":"it's","start":1404.015,"end":1404.255,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03483367711305618},{"word":"not","start":1404.255,"end":1404.4951,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.026300836354494095},{"word":"something","start":1404.4951,"end":1404.7351,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.03716046363115311},{"word":"that","start":1404.7351,"end":1404.895,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.025652460753917698},{"word":"we're","start":1404.895,"end":1405.135,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06026018410921097},{"word":"gonna","start":1405.135,"end":1405.535,"confidence":0.8540039,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.07208845019340515},{"word":"set","start":1405.535,"end":1405.775,"confidence":0.9921875,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.08240923285484314},{"word":"and","start":1405.775,"end":1405.935,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09073153138160706},{"word":"forget","start":1405.935,"end":1406.435,"confidence":0.99853516,"punctuated_word":"forget.","sentiment":"neutral","sentiment_score":-0.0839967429637909},{"word":"you","start":1408.91,"end":1409.41,"confidence":0.9921875,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0448056235909462},{"word":"have","start":1409.4701,"end":1409.7101,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02736487239599228},{"word":"been","start":1409.7101,"end":1409.87,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.013421468436717989},{"word":"in","start":1409.87,"end":1410.03,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0030216798186302185},{"word":"a","start":1410.03,"end":1410.11,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006133023649454117},{"word":"gross","start":1410.11,"end":1410.51,"confidence":0.7368164,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.010073192417621613},{"word":"portfolio","start":1410.51,"end":1411.01,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.0253528393805027},{"word":"for","start":1411.15,"end":1411.39,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0025359205901622772},{"word":"quite","start":1411.39,"end":1411.7101,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.016335472464561462},{"word":"some","start":1411.7101,"end":1412.03,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.02632889151573181},{"word":"time","start":1412.03,"end":1412.43,"confidence":0.9946289,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.003933234140276909},{"word":"your","start":1412.43,"end":1412.8301,"confidence":0.9941406,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.037351835519075394},{"word":"q","start":1412.8301,"end":1413.15,"confidence":0.76660156,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.09912054985761642},{"word":"super","start":1413.15,"end":1413.63,"confidence":0.9301758,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10238040238618852},{"word":"is","start":1413.63,"end":1413.9501,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07034895569086075},{"word":"also","start":1413.9501,"end":1414.4501,"confidence":0.9941406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07587140798568726},{"word":"invest","start":1414.5901,"end":1414.91,"confidence":0.4116211,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.024319980293512344},{"word":"in","start":1414.91,"end":1415.15,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04483558237552643},{"word":"a","start":1415.15,"end":1415.31,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026648802682757378},{"word":"gross","start":1415.31,"end":1415.79,"confidence":0.98535156,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.01531803235411644},{"word":"portfolio","start":1415.79,"end":1416.29,"confidence":0.8220215,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.029198070988059044},{"word":"probably","start":1417.0701,"end":1417.55,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03395219147205353},{"word":"a","start":1417.55,"end":1417.63,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019425934180617332},{"word":"little","start":1417.63,"end":1417.87,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0014251023530960083},{"word":"bit","start":1417.87,"end":1418.27,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.013201020658016205},{"word":"higher","start":1418.27,"end":1418.67,"confidence":1.0,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.04102252796292305},{"word":"than","start":1418.67,"end":1419.17,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.002427324652671814},{"word":"the","start":1420.35,"end":1420.85,"confidence":0.94921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02405671775341034},{"word":"the","start":1421.495,"end":1421.655,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014669634401798248},{"word":"hub","start":1421.655,"end":1421.9751,"confidence":0.8461914,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.036433979868888855},{"word":"twenty","start":1421.9751,"end":1422.295,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.01916402578353882},{"word":"four","start":1422.295,"end":1422.615,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.006613574922084808},{"word":"one","start":1422.615,"end":1423.115,"confidence":0.9790039,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.00963769480586052},{"word":"so","start":1423.415,"end":1423.655,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08097760379314423},{"word":"i","start":1423.655,"end":1423.7351,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06663142889738083},{"word":"think","start":1423.7351,"end":1424.055,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1877533495426178},{"word":"your","start":1424.055,"end":1424.555,"confidence":0.96972656,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21055126190185547},{"word":"your","start":1424.6951,"end":1425.1951,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1808847188949585},{"word":"my","start":1425.8151,"end":1426.055,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12412329018115996},{"word":"opinion","start":1426.055,"end":1426.555,"confidence":1.0,"punctuated_word":"opinion","sentiment":"neutral","sentiment_score":0.13087907433509827},{"word":"is","start":1426.8551,"end":1427.0951,"confidence":0.9770508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19433088600635529},{"word":"that","start":1427.0951,"end":1427.3351,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2535792887210846},{"word":"you'll","start":1427.3351,"end":1427.8351,"confidence":0.49157715,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.20067864656448364},{"word":"adapt","start":1428.295,"end":1428.795,"confidence":0.9716797,"punctuated_word":"adapt","sentiment":"neutral","sentiment_score":0.2030905783176422},{"word":"to","start":1429.0951,"end":1429.5951,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20291659235954285},{"word":"fluctuation","start":1430.055,"end":1430.555,"confidence":0.8416341,"punctuated_word":"fluctuation,","sentiment":"neutral","sentiment_score":0.11544721573591232},{"word":"market","start":1430.775,"end":1431.275,"confidence":0.9951172,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.1066076159477234},{"word":"fluctuation","start":1431.3351,"end":1431.8351,"confidence":0.9189453,"punctuated_word":"fluctuation,","sentiment":"neutral","sentiment_score":0.16001078486442566},{"word":"that","start":1433.655,"end":1433.895,"confidence":0.58496094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20437705516815183},{"word":"having","start":1433.895,"end":1434.2151,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.24093136191368103},{"word":"somebody","start":1434.2151,"end":1434.7151,"confidence":1.0,"punctuated_word":"somebody","sentiment":"neutral","sentiment_score":0.2888571321964264},{"word":"to","start":1434.935,"end":1435.255,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26958537101745605},{"word":"talk","start":1435.255,"end":1435.5751,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.2667008936405182},{"word":"these","start":1435.5751,"end":1435.8151,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.2110670506954193},{"word":"things","start":1435.8151,"end":1436.13,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2810249328613281},{"word":"through","start":1436.29,"end":1436.61,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20673035085201263},{"word":"is","start":1436.61,"end":1436.93,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2848893404006958},{"word":"extremely","start":1436.93,"end":1437.41,"confidence":1.0,"punctuated_word":"extremely","sentiment":"positive","sentiment_score":0.3823446631431579},{"word":"beneficial","start":1437.41,"end":1437.91,"confidence":1.0,"punctuated_word":"beneficial","sentiment":"positive","sentiment_score":0.4106363356113434},{"word":"for","start":1437.97,"end":1438.13,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.32835066318511963},{"word":"you","start":1438.13,"end":1438.63,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.19980061054229736},{"word":"so","start":1440.85,"end":1441.09,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20339006185531616},{"word":"my","start":1441.09,"end":1441.41,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.20893681049346924},{"word":"recommendation","start":1441.41,"end":1441.91,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.27651703357696533},{"word":"is","start":1442.13,"end":1442.37,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26806795597076416},{"word":"to","start":1442.37,"end":1442.53,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21422788500785828},{"word":"maintain","start":1442.53,"end":1443.01,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.16398146748542786},{"word":"a","start":1443.01,"end":1443.17,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19304963946342468},{"word":"growth","start":1443.17,"end":1443.65,"confidence":0.7597656,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1994859278202057},{"word":"portfolio","start":1443.65,"end":1444.15,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1967494636774063},{"word":"solely","start":1444.6901,"end":1445.17,"confidence":0.96435547,"punctuated_word":"solely","sentiment":"neutral","sentiment_score":0.21355858445167544},{"word":"because","start":1445.17,"end":1445.57,"confidence":0.99609375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.17622841894626615},{"word":"it's","start":1445.57,"end":1445.81,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2522316575050354},{"word":"gonna","start":1445.81,"end":1446.13,"confidence":0.90478516,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.33024442195892334},{"word":"give","start":1446.13,"end":1446.37,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.29694023728370667},{"word":"you","start":1446.37,"end":1446.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2703579068183899},{"word":"that","start":1446.53,"end":1446.93,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2605333626270294},{"word":"opportunity","start":1446.93,"end":1447.43,"confidence":1.0,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.23322594165802},{"word":"to","start":1447.73,"end":1448.05,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2069866359233856},{"word":"continue","start":1448.05,"end":1448.55,"confidence":1.0,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.31532177329063416},{"word":"growing","start":1448.6901,"end":1449.01,"confidence":1.0,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.28874194622039795},{"word":"your","start":1449.01,"end":1449.25,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29626333713531494},{"word":"retirement","start":1449.25,"end":1449.75,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.22480012476444244},{"word":"savings","start":1449.97,"end":1450.47,"confidence":0.9980469,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.28907540440559387},{"word":"whilst","start":1451.265,"end":1451.745,"confidence":0.9716797,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.13322123885154724},{"word":"taking","start":1451.745,"end":1452.245,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.12628768384456637},{"word":"a","start":1452.465,"end":1452.965,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1155211329460144},{"word":"slightly","start":1454.385,"end":1454.885,"confidence":0.99121094,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.0676378533244133},{"word":"higher","start":1454.9451,"end":1455.4451,"confidence":1.0,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.07484735548496246},{"word":"approach","start":1455.8251,"end":1456.3251,"confidence":1.0,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.1053144633769989},{"word":"to","start":1456.385,"end":1456.545,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11196529120206831},{"word":"growth","start":1456.545,"end":1456.9451,"confidence":0.9350586,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0902554839849472},{"word":"assets","start":1456.9451,"end":1457.425,"confidence":0.9980469,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.15586432814598083},{"word":"compared","start":1457.425,"end":1457.905,"confidence":0.9970703,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":0.11991874873638152},{"word":"to","start":1457.905,"end":1458.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13013456761837006},{"word":"a","start":1458.145,"end":1458.305,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12969230115413666},{"word":"moderate","start":1458.305,"end":1458.805,"confidence":1.0,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":0.1011500358581543},{"word":"profile","start":1459.8251,"end":1460.3251,"confidence":0.7705078,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.1337270736694336},{"word":"of","start":1462.0651,"end":1462.305,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10444892942905426},{"word":"10%","start":1462.305,"end":1463.125,"confidence":0.9720459,"punctuated_word":"10%.","sentiment":"neutral","sentiment_score":0.12810571491718292},{"word":"are","start":1465.425,"end":1465.665,"confidence":0.9980469,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.13329735398292542},{"word":"you","start":1465.665,"end":1465.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12273405492305756},{"word":"comfortable","start":1465.905,"end":1466.385,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.10463407635688782},{"word":"with","start":1466.385,"end":1466.79,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10075822472572328},{"word":"that","start":1468.31,"end":1468.81,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.087122842669487},{"word":"okay","start":1469.11,"end":1469.61,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0409850999712944},{"word":"alright","start":1469.67,"end":1470.15,"confidence":1.0,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.1433182954788208},{"word":"i","start":1470.15,"end":1470.39,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.266536682844162},{"word":"just","start":1470.39,"end":1470.63,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.21981947124004364},{"word":"needed","start":1470.63,"end":1471.03,"confidence":1.0,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.2573590576648712},{"word":"to","start":1471.03,"end":1471.11,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2439770400524139},{"word":"make","start":1471.11,"end":1471.43,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.30538636445999146},{"word":"sure","start":1471.43,"end":1471.93,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.28636422753334045},{"word":"because","start":1473.3501,"end":1473.75,"confidence":0.6196289,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.30469411611557007},{"word":"i","start":1473.75,"end":1473.99,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4302652180194855},{"word":"i","start":1473.99,"end":1474.23,"confidence":0.7675781,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.42232051491737366},{"word":"don't","start":1474.23,"end":1474.4701,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3429466485977173},{"word":"want","start":1474.4701,"end":1474.9701,"confidence":1.0,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.4036240577697754},{"word":"to","start":1475.27,"end":1475.77,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4113644063472748},{"word":"recommend","start":1477.91,"end":1478.41,"confidence":0.9902344,"punctuated_word":"recommend","sentiment":"negative","sentiment_score":-0.41424304246902466},{"word":"something","start":1478.4701,"end":1478.79,"confidence":1.0,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.4355745315551758},{"word":"that","start":1478.79,"end":1479.03,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.42278140783309937},{"word":"you're","start":1479.03,"end":1479.27,"confidence":1.0,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.3925153613090515},{"word":"not","start":1479.27,"end":1479.51,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.31897005438804626},{"word":"fully","start":1479.51,"end":1479.91,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":-0.2857963740825653},{"word":"aware","start":1479.91,"end":1480.23,"confidence":0.99902344,"punctuated_word":"aware","sentiment":"negative","sentiment_score":-0.36813056468963623},{"word":"of","start":1480.23,"end":1480.55,"confidence":0.9970703,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.416461318731308},{"word":"or","start":1480.55,"end":1480.79,"confidence":0.99609375,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.35272884368896484},{"word":"comfortable","start":1480.79,"end":1481.29,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"negative","sentiment_score":-0.3462573289871216},{"word":"with","start":1481.625,"end":1482.025,"confidence":0.7939453,"punctuated_word":"with?","sentiment":"negative","sentiment_score":-0.40556877851486206},{"word":"yeah","start":1482.025,"end":1482.525,"confidence":0.8273926,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2199879884719849},{"word":"okay","start":1486.425,"end":1486.905,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2360578775405884},{"word":"alright","start":1486.905,"end":1487.405,"confidence":0.9995117,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.48234066367149353},{"word":"that's","start":1488.505,"end":1488.825,"confidence":0.9350586,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7851138114929199},{"word":"fantastic","start":1488.825,"end":1489.325,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7818151712417603},{"word":"good","start":1489.625,"end":1490.025,"confidence":0.9970703,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.6719023585319519},{"word":"good","start":1490.025,"end":1490.345,"confidence":0.9980469,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.563610315322876},{"word":"and","start":1490.345,"end":1490.585,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3566792607307434},{"word":"we'll","start":1490.585,"end":1490.825,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.27472633123397827},{"word":"revisit","start":1490.825,"end":1491.225,"confidence":1.0,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.25772127509117126},{"word":"this","start":1491.225,"end":1491.465,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.22590886056423187},{"word":"conversation","start":1491.465,"end":1491.965,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.21517916023731232},{"word":"every","start":1492.105,"end":1492.425,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.16105718910694122},{"word":"year","start":1492.425,"end":1492.925,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.16201017796993256},{"word":"anyhow","start":1493.785,"end":1494.285,"confidence":0.9511719,"punctuated_word":"anyhow.","sentiment":"neutral","sentiment_score":0.12881630659103394},{"word":"the","start":1497.0299,"end":1497.27,"confidence":0.98095703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.12526008486747742},{"word":"next","start":1497.27,"end":1497.75,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.15374250710010529},{"word":"dot","start":1497.75,"end":1498.15,"confidence":0.26416016,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.17669710516929626},{"word":"pages","start":1498.15,"end":1498.65,"confidence":0.97314453,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.11037665605545044},{"word":"are","start":1498.71,"end":1498.87,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15144634246826172},{"word":"the","start":1498.87,"end":1499.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09344252198934556},{"word":"strategy","start":1499.11,"end":1499.59,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.08627795428037643},{"word":"recommendations","start":1499.59,"end":1500.09,"confidence":0.93725586,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.08839443325996399},{"word":"so","start":1500.5499,"end":1500.7899,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05416525900363922},{"word":"this","start":1500.7899,"end":1501.11,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.048441193997859955},{"word":"is","start":1501.11,"end":1501.35,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04643778130412102},{"word":"where","start":1501.35,"end":1501.6699,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.047382742166519165},{"word":"i'm","start":1501.6699,"end":1501.83,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06756933033466339},{"word":"looking","start":1501.83,"end":1502.07,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.07989627867937088},{"word":"at","start":1502.07,"end":1502.3099,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10568028688430786},{"word":"your","start":1502.3099,"end":1502.5499,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1442888081073761},{"word":"superannuation","start":1502.5499,"end":1503.0499,"confidence":0.9963379,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.11182882636785509},{"word":"so","start":1504.07,"end":1504.3099,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04951370507478714},{"word":"i","start":1504.3099,"end":1504.47,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0516456738114357},{"word":"have","start":1504.47,"end":1504.7899,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05596286058425903},{"word":"recommended","start":1504.7899,"end":1505.27,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.07716016471385956},{"word":"that","start":1505.27,"end":1505.4299,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05951908603310585},{"word":"you","start":1505.4299,"end":1505.75,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07945537567138672},{"word":"retain","start":1505.75,"end":1506.25,"confidence":0.70654297,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.057503581047058105},{"word":"hub","start":1506.71,"end":1507.21,"confidence":0.703125,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.0744384303689003},{"word":"and","start":1507.99,"end":1508.3099,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.053475238382816315},{"word":"q","start":1508.3099,"end":1508.63,"confidence":0.5361328,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.09383323043584824},{"word":"super","start":1508.63,"end":1509.13,"confidence":0.9013672,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.08853259682655334},{"word":"what","start":1509.35,"end":1509.59,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.05595062673091888},{"word":"we're","start":1509.59,"end":1509.83,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06710101664066315},{"word":"gonna","start":1509.83,"end":1510.15,"confidence":0.9741211,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07817934453487396},{"word":"do","start":1510.15,"end":1510.47,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07682418823242188},{"word":"is","start":1510.47,"end":1510.7899,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06370998919010162},{"word":"roll","start":1510.7899,"end":1511.0299,"confidence":0.9970703,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.07829050719738007},{"word":"over","start":1511.0299,"end":1511.5299,"confidence":0.93603516,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.05040889233350754},{"word":"the","start":1511.725,"end":1511.8049,"confidence":0.9550781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06138138473033905},{"word":"majority","start":1511.8049,"end":1512.0449,"confidence":1.0,"punctuated_word":"majority","sentiment":"neutral","sentiment_score":0.0542871318757534},{"word":"of","start":1512.0449,"end":1512.2849,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06391458213329315},{"word":"your","start":1512.2849,"end":1512.5249,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06721633672714233},{"word":"q","start":1512.5249,"end":1512.845,"confidence":0.9970703,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.07353740930557251},{"word":"super","start":1512.845,"end":1513.345,"confidence":0.8005371,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.08364497870206833},{"word":"leaving","start":1513.725,"end":1514.205,"confidence":0.99609375,"punctuated_word":"leaving","sentiment":"neutral","sentiment_score":0.05996594950556755},{"word":"a","start":1514.205,"end":1514.365,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07282160222530365},{"word":"$10,000","start":1514.365,"end":1515.485,"confidence":0.98706055,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":0.0915067046880722},{"word":"balance","start":1515.485,"end":1515.965,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.10658716410398485},{"word":"so","start":1515.965,"end":1516.125,"confidence":0.8095703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08038194477558136},{"word":"your","start":1516.125,"end":1516.365,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0800570547580719},{"word":"insurances","start":1516.365,"end":1516.865,"confidence":0.99560547,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.06896644830703735},{"word":"remain","start":1517.085,"end":1517.585,"confidence":0.98828125,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.06713086366653442},{"word":"in","start":1517.6449,"end":1517.725,"confidence":0.8569336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07962320744991302},{"word":"force","start":1517.725,"end":1518.225,"confidence":0.8310547,"punctuated_word":"force","sentiment":"neutral","sentiment_score":0.07697425037622452},{"word":"and","start":1518.7649,"end":1519.085,"confidence":0.46801758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06146401911973953},{"word":"the","start":1519.085,"end":1519.325,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052297841757535934},{"word":"difference","start":1519.325,"end":1519.825,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.06256026774644852},{"word":"being","start":1520.125,"end":1520.5249,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.06748495250940323},{"word":"rolled","start":1520.5249,"end":1520.845,"confidence":0.99902344,"punctuated_word":"rolled","sentiment":"neutral","sentiment_score":0.06669676303863525},{"word":"to","start":1520.845,"end":1521.0049,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05802301689982414},{"word":"hub","start":1521.0049,"end":1521.325,"confidence":0.8925781,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.04442298039793968},{"word":"twenty","start":1521.325,"end":1521.6449,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.06614171713590622},{"word":"four","start":1521.6449,"end":1521.8049,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.04413528740406037},{"word":"and","start":1521.8049,"end":1522.0449,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04428422451019287},{"word":"invested","start":1522.0449,"end":1522.5249,"confidence":0.9970703,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.07067930698394775},{"word":"in","start":1522.5249,"end":1522.6849,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04123520851135254},{"word":"hub","start":1522.6849,"end":1523.0049,"confidence":0.9941406,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.028186675161123276},{"word":"twenty","start":1523.0049,"end":1523.325,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.05721054971218109},{"word":"four","start":1523.325,"end":1523.825,"confidence":0.9995117,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.04344816878437996},{"word":"leaving","start":1525.8601,"end":1526.18,"confidence":0.7133789,"punctuated_word":"Leaving","sentiment":"neutral","sentiment_score":0.06301489472389221},{"word":"the","start":1526.18,"end":1526.42,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08628242462873459},{"word":"10,000","start":1526.42,"end":1527.14,"confidence":1.0,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.12799841165542605},{"word":"means","start":1527.14,"end":1527.4601,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.0774749219417572},{"word":"that","start":1527.4601,"end":1527.62,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0975121259689331},{"word":"you","start":1527.62,"end":1527.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10303904861211775},{"word":"keep","start":1527.78,"end":1528.02,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1240224838256836},{"word":"your","start":1528.02,"end":1528.3401,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10339979827404022},{"word":"superannuation","start":1528.3401,"end":1528.8401,"confidence":0.99560547,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.1084560975432396},{"word":"you","start":1529.7001,"end":1529.9401,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07842329144477844},{"word":"also","start":1529.9401,"end":1530.26,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07245900481939316},{"word":"have","start":1530.26,"end":1530.5,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09955810010433196},{"word":"your","start":1530.5,"end":1531.0,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11826717853546144},{"word":"super","start":1531.54,"end":1531.9401,"confidence":0.9941406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13471965491771698},{"word":"guarantee","start":1531.9401,"end":1532.4401,"confidence":0.9536133,"punctuated_word":"guarantee","sentiment":"neutral","sentiment_score":0.11003762483596802},{"word":"contributions","start":1532.5,"end":1533.0,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.12629102170467377},{"word":"going","start":1533.14,"end":1533.38,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.10791511833667757},{"word":"into","start":1533.38,"end":1533.78,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09822553396224976},{"word":"q","start":1533.78,"end":1534.1001,"confidence":0.80371094,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.10755252838134766},{"word":"super","start":1534.1001,"end":1534.5801,"confidence":0.89160156,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.10874273627996443},{"word":"which","start":1534.5801,"end":1534.9,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10612864792346954},{"word":"there's","start":1535.2201,"end":1535.54,"confidence":0.99609375,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.09253376722335815},{"word":"two","start":1535.54,"end":1535.8601,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.09454061090946198},{"word":"folds","start":1535.8601,"end":1536.26,"confidence":0.97314453,"punctuated_word":"folds","sentiment":"neutral","sentiment_score":0.1162583976984024},{"word":"of","start":1536.26,"end":1536.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09743763506412506},{"word":"protection","start":1536.5,"end":1537.0,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.07897481322288513},{"word":"there","start":1537.06,"end":1537.3,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10030251741409302},{"word":"to","start":1537.3,"end":1537.4601,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08669689297676086},{"word":"ensure","start":1537.4601,"end":1537.8601,"confidence":1.0,"punctuated_word":"ensure","sentiment":"neutral","sentiment_score":0.08182215690612793},{"word":"that","start":1537.8601,"end":1538.1001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09122098982334136},{"word":"your","start":1538.1001,"end":1538.6001,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09976471960544586},{"word":"insurances","start":1539.705,"end":1540.205,"confidence":0.99902344,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.08960646390914917},{"word":"don't","start":1540.505,"end":1540.745,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.07418855279684067},{"word":"lapse","start":1540.745,"end":1541.225,"confidence":0.9873047,"punctuated_word":"lapse","sentiment":"neutral","sentiment_score":0.01818132773041725},{"word":"for","start":1541.225,"end":1541.385,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03415224328637123},{"word":"any","start":1541.385,"end":1541.625,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.022972308099269867},{"word":"reason","start":1541.625,"end":1542.125,"confidence":0.86499023,"punctuated_word":"reason.","sentiment":"neutral","sentiment_score":0.03336130827665329},{"word":"but","start":1542.425,"end":1542.665,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04709353670477867},{"word":"i","start":1542.665,"end":1542.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03968659043312073},{"word":"wanna","start":1542.745,"end":1542.985,"confidence":0.95703125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05569606274366379},{"word":"put","start":1542.985,"end":1543.225,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.06435862183570862},{"word":"in","start":1543.225,"end":1543.305,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.049459926784038544},{"word":"place","start":1543.305,"end":1543.705,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.06556239724159241},{"word":"an","start":1543.705,"end":1544.025,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06034582853317261},{"word":"extra","start":1544.025,"end":1544.505,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.054429445415735245},{"word":"step","start":1544.505,"end":1545.005,"confidence":0.99902344,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.08244453370571136},{"word":"to","start":1545.305,"end":1545.625,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07196947932243347},{"word":"complete","start":1545.625,"end":1546.105,"confidence":1.0,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":0.0730280727148056},{"word":"an","start":1546.105,"end":1546.345,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08230113983154297},{"word":"opt","start":1546.345,"end":1546.585,"confidence":0.9951172,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.0863318145275116},{"word":"in","start":1546.585,"end":1546.905,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06046512350440025},{"word":"form","start":1546.905,"end":1547.225,"confidence":0.99902344,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.08712292462587357},{"word":"with","start":1547.225,"end":1547.545,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10091200470924376},{"word":"q","start":1547.545,"end":1547.865,"confidence":0.68652344,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.08308225870132446},{"word":"super","start":1547.865,"end":1548.365,"confidence":0.82055664,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.07565700262784958},{"word":"so","start":1549.705,"end":1550.105,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04796344041824341},{"word":"if","start":1550.105,"end":1550.605,"confidence":0.40527344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03072798438370228},{"word":"if","start":1550.745,"end":1551.065,"confidence":0.8395996,"punctuated_word":"if,","sentiment":"neutral","sentiment_score":0.02732809446752071},{"word":"for","start":1551.065,"end":1551.225,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0025531835854053497},{"word":"example","start":1551.225,"end":1551.705,"confidence":0.9995117,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.008690711110830307},{"word":"your","start":1551.705,"end":1551.945,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.012193281203508375},{"word":"balance","start":1551.945,"end":1552.32,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.02927247434854507},{"word":"falls","start":1553.2,"end":1553.44,"confidence":0.9980469,"punctuated_word":"falls","sentiment":"neutral","sentiment_score":-0.02669438347220421},{"word":"below","start":1553.44,"end":1553.9199,"confidence":1.0,"punctuated_word":"below","sentiment":"neutral","sentiment_score":-0.011830050498247148},{"word":"$10,000","start":1553.9199,"end":1555.2799,"confidence":0.9995117,"punctuated_word":"$10,000","sentiment":"neutral","sentiment_score":-0.006606526672840118},{"word":"because","start":1555.2799,"end":1555.7799,"confidence":0.98535156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.022070273756980896},{"word":"the","start":1556.96,"end":1557.0399,"confidence":0.7680664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020421195775270466},{"word":"market","start":1557.0399,"end":1557.44,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.04217696934938431},{"word":"drops","start":1557.44,"end":1557.7599,"confidence":0.9765625,"punctuated_word":"drops,","sentiment":"neutral","sentiment_score":-0.02044527418911457},{"word":"for","start":1557.7599,"end":1558.0,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.024157240986824036},{"word":"example","start":1558.0,"end":1558.5,"confidence":0.99853516,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.01672475039958954},{"word":"or","start":1558.5599,"end":1559.0599,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0006976239383220673},{"word":"your","start":1559.7599,"end":1560.2599,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.008645027875900269},{"word":"super","start":1560.88,"end":1561.2,"confidence":0.9873047,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.010174676775932312},{"word":"guarantee","start":1561.2,"end":1561.7,"confidence":0.9951172,"punctuated_word":"guarantee","sentiment":"neutral","sentiment_score":0.03726961836218834},{"word":"hasn't","start":1561.84,"end":1562.1599,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.02964817546308041},{"word":"been","start":1562.1599,"end":1562.3999,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.02321259304881096},{"word":"paid","start":1562.3999,"end":1562.6399,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.006267249584197998},{"word":"there","start":1562.6399,"end":1562.88,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.004504211246967316},{"word":"for","start":1562.88,"end":1563.12,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00014417245984077454},{"word":"sixteen","start":1563.12,"end":1563.6,"confidence":0.99609375,"punctuated_word":"sixteen","sentiment":"neutral","sentiment_score":0.02812153473496437},{"word":"months","start":1563.6,"end":1564.1,"confidence":0.98999023,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.041965484619140625},{"word":"this","start":1564.1599,"end":1564.48,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10230937600135805},{"word":"opt","start":1564.48,"end":1564.7999,"confidence":0.99902344,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.11098062992095949},{"word":"in","start":1564.7999,"end":1565.0399,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09563417732715608},{"word":"form","start":1565.0399,"end":1565.5399,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.138901486992836},{"word":"protects","start":1567.975,"end":1568.4551,"confidence":0.9980469,"punctuated_word":"protects","sentiment":"neutral","sentiment_score":0.08110836148262024},{"word":"your","start":1568.4551,"end":1568.855,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08886836469173431},{"word":"insurance","start":1568.855,"end":1569.335,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.052141062915325165},{"word":"from","start":1569.335,"end":1569.5751,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05307142063975334},{"word":"ever","start":1569.5751,"end":1569.895,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.05494390428066254},{"word":"being","start":1569.895,"end":1570.215,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.02117911726236343},{"word":"canceled","start":1570.215,"end":1570.6951,"confidence":0.9851074,"punctuated_word":"canceled.","sentiment":"neutral","sentiment_score":0.005129312630742788},{"word":"so","start":1570.6951,"end":1570.935,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.054607197642326355},{"word":"i","start":1570.935,"end":1571.015,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05171446874737739},{"word":"just","start":1571.015,"end":1571.255,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05459928140044212},{"word":"wanna","start":1571.255,"end":1571.415,"confidence":0.8540039,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.053707949817180634},{"word":"go","start":1571.415,"end":1571.655,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05872618407011032},{"word":"that","start":1571.655,"end":1571.895,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03453214466571808},{"word":"one","start":1571.895,"end":1572.215,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0607086643576622},{"word":"step","start":1572.215,"end":1572.535,"confidence":0.99902344,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.06981173157691956},{"word":"extra","start":1572.535,"end":1572.935,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.04480870068073273},{"word":"and","start":1572.935,"end":1573.175,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.045753806829452515},{"word":"make","start":1573.175,"end":1573.335,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04168561473488808},{"word":"sure","start":1573.335,"end":1573.495,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04303611069917679},{"word":"that","start":1573.495,"end":1573.735,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0510147362947464},{"word":"form's","start":1573.735,"end":1574.135,"confidence":0.8417969,"punctuated_word":"form's","sentiment":"neutral","sentiment_score":0.04720665141940117},{"word":"signed","start":1574.135,"end":1574.635,"confidence":0.9980469,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.029068589210510257},{"word":"so","start":1575.015,"end":1575.175,"confidence":0.9741211,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02895967848598957},{"word":"that","start":1575.175,"end":1575.415,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4412085711956024},{"word":"it","start":1575.415,"end":1575.5751,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.26205208897590637},{"word":"can","start":1575.5751,"end":1575.8151,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21309280395507812},{"word":"never","start":1575.8151,"end":1576.135,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":0.20275364816188812},{"word":"be","start":1576.135,"end":1576.295,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0389251746237278},{"word":"canceled","start":1576.295,"end":1576.795,"confidence":0.9970703,"punctuated_word":"canceled.","sentiment":"neutral","sentiment_score":-0.026865718886256214},{"word":"so","start":1579.89,"end":1580.39,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.007961306720972061},{"word":"the","start":1580.53,"end":1581.03,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004620034247636795},{"word":"the","start":1581.17,"end":1581.3301,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004667490720748901},{"word":"re","start":1581.3301,"end":1581.49,"confidence":0.64453125,"punctuated_word":"re","sentiment":"neutral","sentiment_score":0.006862029433250427},{"word":"the","start":1581.65,"end":1582.13,"confidence":0.6118164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003967970609664917},{"word":"then","start":1582.37,"end":1582.6901,"confidence":0.9921875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03310418128967285},{"word":"we","start":1582.6901,"end":1582.85,"confidence":0.6699219,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03609328716993332},{"word":"go","start":1582.85,"end":1583.01,"confidence":0.99316406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04448353499174118},{"word":"into","start":1583.01,"end":1583.25,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.02871442586183548},{"word":"the","start":1583.25,"end":1583.41,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02276185154914856},{"word":"best","start":1583.41,"end":1583.65,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.02320896089076996},{"word":"interest","start":1583.65,"end":1583.9701,"confidence":0.99609375,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.03228737413883209},{"word":"duty","start":1583.9701,"end":1584.37,"confidence":0.7531738,"punctuated_word":"duty.","sentiment":"neutral","sentiment_score":0.03986851125955582},{"word":"so","start":1584.37,"end":1584.53,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022939901798963547},{"word":"this","start":1584.53,"end":1584.77,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02051159366965294},{"word":"explains","start":1584.77,"end":1585.27,"confidence":0.99902344,"punctuated_word":"explains","sentiment":"neutral","sentiment_score":0.01419161632657051},{"word":"why","start":1585.41,"end":1585.91,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.015726901590824127},{"word":"i've","start":1586.2101,"end":1586.53,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04160701856017113},{"word":"made","start":1586.53,"end":1586.77,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.06127730384469032},{"word":"those","start":1586.77,"end":1587.17,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.06059031933546066},{"word":"recommendations","start":1587.17,"end":1587.67,"confidence":0.9733887,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":0.06274043023586273},{"word":"which","start":1589.0901,"end":1589.3301,"confidence":0.8730469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06180017068982124},{"word":"is","start":1589.3301,"end":1589.5701,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05415043979883194},{"word":"maintaining","start":1589.5701,"end":1590.0701,"confidence":1.0,"punctuated_word":"maintaining","sentiment":"neutral","sentiment_score":0.08263033628463745},{"word":"the","start":1590.2101,"end":1590.4501,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04376087337732315},{"word":"q","start":1590.4501,"end":1590.77,"confidence":0.8491211,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.06259630620479584},{"word":"super","start":1590.77,"end":1591.17,"confidence":0.9350586,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08542025089263916},{"word":"so","start":1591.17,"end":1591.3301,"confidence":0.8647461,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07042242586612701},{"word":"your","start":1591.3301,"end":1591.5701,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08683081716299057},{"word":"insurance","start":1591.5701,"end":1592.0701,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.048655442893505096},{"word":"remains","start":1592.2101,"end":1592.6901,"confidence":0.99902344,"punctuated_word":"remains","sentiment":"neutral","sentiment_score":0.07150831073522568},{"word":"in","start":1592.6901,"end":1592.85,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06735040247440338},{"word":"place","start":1592.85,"end":1593.35,"confidence":1.0,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":0.06889509409666061},{"word":"the","start":1594.725,"end":1595.225,"confidence":0.96972656,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03023778274655342},{"word":"i've","start":1597.765,"end":1598.005,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.051049359142780304},{"word":"also","start":1598.005,"end":1598.405,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.040201541036367416},{"word":"recommended","start":1598.405,"end":1598.905,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.07091878354549408},{"word":"that","start":1598.965,"end":1599.285,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03289472311735153},{"word":"every","start":1599.285,"end":1599.525,"confidence":0.9970703,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.04651965573430061},{"word":"year","start":1599.525,"end":1599.765,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.050860028713941574},{"word":"at","start":1599.765,"end":1599.9249,"confidence":0.90722656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.048706430941820145},{"word":"our","start":1599.9249,"end":1600.1649,"confidence":0.99316406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06593331694602966},{"word":"reviews","start":1600.1649,"end":1600.6649,"confidence":0.9892578,"punctuated_word":"reviews,","sentiment":"neutral","sentiment_score":0.039791710674762726},{"word":"we","start":1600.8049,"end":1600.965,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04826286435127258},{"word":"will","start":1600.965,"end":1601.205,"confidence":0.984375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.042015474289655685},{"word":"do","start":1601.205,"end":1601.525,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.018258802592754364},{"word":"a","start":1601.525,"end":1601.845,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013921504840254784},{"word":"rollover","start":1601.845,"end":1602.345,"confidence":0.98657227,"punctuated_word":"rollover","sentiment":"neutral","sentiment_score":0.02601967379450798},{"word":"from","start":1602.485,"end":1602.8049,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.008986517786979675},{"word":"q","start":1602.8049,"end":1603.125,"confidence":0.6381836,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.006762122735381126},{"word":"super","start":1603.125,"end":1603.445,"confidence":0.87060547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.02427583560347557},{"word":"to","start":1603.445,"end":1603.605,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002648022025823593},{"word":"hub","start":1603.605,"end":1604.005,"confidence":0.875,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.037522636353969574},{"word":"24","start":1604.005,"end":1604.825,"confidence":0.9107666,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.02457076869904995},{"word":"and","start":1605.0449,"end":1605.285,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006640922278165817},{"word":"it","start":1605.285,"end":1605.445,"confidence":0.97265625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.003172546625137329},{"word":"won't","start":1605.445,"end":1605.765,"confidence":0.99658203,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.043839097023010254},{"word":"be","start":1605.765,"end":1605.9249,"confidence":0.9633789,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05171910673379898},{"word":"in","start":1605.9249,"end":1606.085,"confidence":0.8120117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08582379668951035},{"word":"this","start":1606.085,"end":1606.585,"confidence":0.6713867,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.09751957654953004},{"word":"document","start":1606.74,"end":1606.94,"confidence":0.8071289,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.0819176733493805},{"word":"this","start":1607.14,"end":1607.38,"confidence":0.84814453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.09558820724487305},{"word":"size","start":1607.38,"end":1607.7,"confidence":0.99902344,"punctuated_word":"size","sentiment":"neutral","sentiment_score":-0.07948470860719681},{"word":"of","start":1607.7,"end":1607.94,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06751090288162231},{"word":"document","start":1607.94,"end":1608.44,"confidence":0.98535156,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.0600484162569046},{"word":"every","start":1608.5,"end":1608.74,"confidence":0.98828125,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.030037742108106613},{"word":"year","start":1608.74,"end":1609.0599,"confidence":0.9812012,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.030380943790078163},{"word":"it'll","start":1609.0599,"end":1609.3,"confidence":0.9428711,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.11154725402593613},{"word":"be","start":1609.3,"end":1609.46,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1375531405210495},{"word":"in","start":1609.46,"end":1609.54,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1274867206811905},{"word":"something","start":1609.54,"end":1609.94,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.11301356554031372},{"word":"called","start":1609.94,"end":1610.1799,"confidence":0.9892578,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.11278441548347472},{"word":"a","start":1610.1799,"end":1610.26,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16368864476680756},{"word":"record","start":1610.26,"end":1610.66,"confidence":0.98095703,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.11640990525484084},{"word":"of","start":1610.66,"end":1610.82,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11569478362798692},{"word":"advice","start":1610.82,"end":1611.22,"confidence":0.9892578,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.10848330706357956},{"word":"because","start":1611.22,"end":1611.54,"confidence":0.74658203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08426276594400406},{"word":"i'm","start":1611.54,"end":1611.62,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14573733508586884},{"word":"covering","start":1611.62,"end":1612.02,"confidence":1.0,"punctuated_word":"covering","sentiment":"neutral","sentiment_score":0.13355079293251038},{"word":"it","start":1612.02,"end":1612.1,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18729965388774872},{"word":"off","start":1612.1,"end":1612.26,"confidence":0.96972656,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.1490945667028427},{"word":"in","start":1612.26,"end":1612.5,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16813084483146667},{"word":"this","start":1612.5,"end":1612.66,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17385807633399963},{"word":"document","start":1612.66,"end":1613.0599,"confidence":0.78564453,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.15144914388656616},{"word":"so","start":1613.0599,"end":1613.22,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2547411024570465},{"word":"we","start":1613.22,"end":1613.38,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25052380561828613},{"word":"can","start":1613.38,"end":1613.54,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.25548869371414185},{"word":"just","start":1613.54,"end":1613.78,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26424217224121094},{"word":"do","start":1613.78,"end":1613.94,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28753381967544556},{"word":"it","start":1613.94,"end":1614.1,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.38146892189979553},{"word":"every","start":1614.1,"end":1614.34,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.30282947421073914},{"word":"year","start":1614.34,"end":1614.66,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.31815922260284424},{"word":"for","start":1614.66,"end":1614.74,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.310973197221756},{"word":"you","start":1614.74,"end":1614.98,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28480368852615356},{"word":"without","start":1614.98,"end":1615.38,"confidence":1.0,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.1834949404001236},{"word":"having","start":1615.38,"end":1615.7,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.18059533834457395},{"word":"to","start":1615.7,"end":1615.78,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14254353940486908},{"word":"go","start":1615.78,"end":1616.02,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1012873649597168},{"word":"through","start":1616.02,"end":1616.1799,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12101417779922484},{"word":"this","start":1616.1799,"end":1616.5,"confidence":0.9902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12377186119556428},{"word":"large","start":1616.5,"end":1616.9,"confidence":0.9921875,"punctuated_word":"large","sentiment":"neutral","sentiment_score":0.10561001300811768},{"word":"document","start":1616.9,"end":1617.4,"confidence":0.94921875,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.15668156743049622},{"word":"so","start":1618.02,"end":1618.52,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28510916233062744},{"word":"we","start":1618.66,"end":1618.9,"confidence":0.9716797,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.26045235991477966},{"word":"won't","start":1618.9,"end":1619.14,"confidence":0.98999023,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.16945239901542664},{"word":"get","start":1619.14,"end":1619.3,"confidence":0.9790039,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11957905441522598},{"word":"to","start":1619.3,"end":1619.46,"confidence":0.9536133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21264442801475525},{"word":"the","start":1619.46,"end":1619.835,"confidence":0.8569336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07826144993305206},{"word":"situation","start":1619.995,"end":1620.495,"confidence":0.9892578,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.10729823261499404},{"word":"where","start":1620.635,"end":1621.135,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.025711119174957275},{"word":"it","start":1622.5549,"end":1622.7949,"confidence":0.8935547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08352746069431305},{"word":"is","start":1622.7949,"end":1623.0349,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.018128857016563416},{"word":"missed","start":1623.0349,"end":1623.5349,"confidence":0.99902344,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":0.06763502955436707},{"word":"like","start":1624.075,"end":1624.235,"confidence":0.7138672,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06975570321083069},{"word":"it","start":1624.235,"end":1624.395,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15173330903053284},{"word":"had","start":1624.395,"end":1624.635,"confidence":0.9951172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.022856146097183228},{"word":"been","start":1624.635,"end":1625.135,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.15298226475715637},{"word":"last","start":1625.4349,"end":1625.6749,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08340009301900864},{"word":"year","start":1625.6749,"end":1626.1749,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.12792742252349854},{"word":"because","start":1626.315,"end":1626.635,"confidence":0.7583008,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11463058739900588},{"word":"we","start":1626.635,"end":1626.7949,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13493642210960388},{"word":"don't","start":1626.7949,"end":1627.0349,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.3210325837135315},{"word":"want","start":1627.0349,"end":1627.2749,"confidence":1.0,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.4028978645801544},{"word":"that","start":1627.2749,"end":1627.515,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3294192850589752},{"word":"to","start":1627.515,"end":1627.6749,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.33470404148101807},{"word":"happen","start":1627.6749,"end":1628.1749,"confidence":1.0,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.22045843303203583},{"word":"the","start":1630.875,"end":1631.195,"confidence":0.9526367,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.15467621386051178},{"word":"hub","start":1631.195,"end":1631.515,"confidence":0.74902344,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":-0.15843042731285095},{"word":"24","start":1631.515,"end":1632.235,"confidence":0.9951172,"punctuated_word":"24","sentiment":"neutral","sentiment_score":-0.1957293003797531},{"word":"the","start":1632.475,"end":1632.715,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20349156856536865},{"word":"reason","start":1632.715,"end":1633.215,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.14688383042812347},{"word":"i","start":1633.2749,"end":1633.355,"confidence":0.7495117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22010880708694455},{"word":"did","start":1633.355,"end":1633.595,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.09558181464672089},{"word":"consider","start":1633.595,"end":1634.095,"confidence":0.91748047,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.11184614151716232},{"word":"maintaining","start":1634.235,"end":1634.735,"confidence":0.9550781,"punctuated_word":"maintaining","sentiment":"neutral","sentiment_score":-0.06714154779911041},{"word":"q","start":1634.955,"end":1635.3,"confidence":0.9243164,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.09814760088920592},{"word":"super","start":1635.3,"end":1635.8,"confidence":0.9760742,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.031811073422431946},{"word":"and","start":1637.14,"end":1637.38,"confidence":0.8701172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07256254553794861},{"word":"having","start":1637.38,"end":1637.7001,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.06303921341896057},{"word":"all","start":1637.7001,"end":1637.8601,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.05548315495252609},{"word":"your","start":1637.8601,"end":1638.1001,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07951280474662781},{"word":"funds","start":1638.1001,"end":1638.42,"confidence":0.9970703,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.020091086626052856},{"word":"in","start":1638.42,"end":1638.66,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06398004293441772},{"word":"q","start":1638.66,"end":1638.9801,"confidence":0.9980469,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.08599734306335449},{"word":"super","start":1638.9801,"end":1639.4801,"confidence":0.8486328,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.08417209982872009},{"word":"the","start":1640.02,"end":1640.26,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26949888467788696},{"word":"reason","start":1640.26,"end":1640.66,"confidence":0.9873047,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.2820384204387665},{"word":"that","start":1640.66,"end":1641.06,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3198293447494507},{"word":"i","start":1641.06,"end":1641.2201,"confidence":0.9970703,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4018039107322693},{"word":"did","start":1641.2201,"end":1641.4601,"confidence":0.99902344,"punctuated_word":"did","sentiment":"negative","sentiment_score":-0.3639364242553711},{"word":"not","start":1641.4601,"end":1641.7001,"confidence":0.9980469,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.36130550503730774},{"word":"do","start":1641.7001,"end":1641.8601,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.3164041042327881},{"word":"that","start":1641.8601,"end":1642.3601,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.305390328168869},{"word":"is","start":1642.8201,"end":1643.2201,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.265877366065979},{"word":"because","start":1643.2201,"end":1643.7201,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.24392136931419373},{"word":"i","start":1644.26,"end":1644.3401,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.39451155066490173},{"word":"did","start":1644.3401,"end":1644.5801,"confidence":0.9902344,"punctuated_word":"did","sentiment":"negative","sentiment_score":-0.3992229402065277},{"word":"not","start":1644.5801,"end":1644.74,"confidence":0.99609375,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4128935635089874},{"word":"recommend","start":1644.74,"end":1645.2201,"confidence":0.99902344,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":-0.24175937473773956},{"word":"that","start":1645.2201,"end":1645.54,"confidence":0.7261963,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.190301775932312},{"word":"it's","start":1645.54,"end":1645.7001,"confidence":0.9448242,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.02371629700064659},{"word":"because","start":1645.7001,"end":1646.2001,"confidence":0.9921875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03961890935897827},{"word":"industry","start":1646.5,"end":1647.0,"confidence":0.984375,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":0.13018186390399933},{"word":"funds","start":1647.2201,"end":1647.4601,"confidence":0.95166016,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1957021802663803},{"word":"are","start":1647.4601,"end":1647.9601,"confidence":0.8769531,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4492302536964417},{"word":"fantastic","start":1648.355,"end":1648.855,"confidence":0.88671875,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.5266057848930359},{"word":"when","start":1649.475,"end":1649.715,"confidence":0.99609375,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3743259608745575},{"word":"building","start":1649.715,"end":1650.1951,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.4132827222347259},{"word":"wealth","start":1650.1951,"end":1650.6951,"confidence":0.9970703,"punctuated_word":"wealth.","sentiment":"positive","sentiment_score":0.4223992228507995},{"word":"as","start":1652.1951,"end":1652.355,"confidence":0.875,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.12215776741504668},{"word":"we","start":1652.355,"end":1652.595,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17427237331867218},{"word":"get","start":1652.595,"end":1652.755,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10289260745048524},{"word":"closer","start":1652.755,"end":1653.255,"confidence":0.9980469,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.003764986991882324},{"word":"to","start":1653.395,"end":1653.475,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03801930695772171},{"word":"retirement","start":1653.475,"end":1653.975,"confidence":0.99902344,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":-0.003193732351064682},{"word":"they","start":1654.355,"end":1654.595,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.006711162626743317},{"word":"invest","start":1654.595,"end":1655.095,"confidence":0.99902344,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.004887886345386505},{"word":"in","start":1655.635,"end":1656.135,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01112472265958786},{"word":"assets","start":1657.475,"end":1657.9551,"confidence":0.9790039,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.001089334487915039},{"word":"called","start":1657.9551,"end":1658.355,"confidence":0.9980469,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.019285522401332855},{"word":"unlisted","start":1658.355,"end":1658.855,"confidence":0.9980469,"punctuated_word":"unlisted","sentiment":"neutral","sentiment_score":0.004889816045761108},{"word":"assets","start":1659.795,"end":1660.295,"confidence":0.96240234,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.032565437257289886},{"word":"so","start":1660.355,"end":1660.855,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.025317780673503876},{"word":"that","start":1661.3151,"end":1661.555,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.023684393614530563},{"word":"could","start":1661.555,"end":1661.795,"confidence":0.99609375,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.023972921073436737},{"word":"be","start":1661.795,"end":1662.295,"confidence":0.9873047,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.024054840207099915},{"word":"so","start":1662.9199,"end":1663.0,"confidence":0.9892578,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.031799692660570145},{"word":"things","start":1663.0,"end":1663.24,"confidence":0.9941406,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.016552548855543137},{"word":"that","start":1663.24,"end":1663.32,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04470463842153549},{"word":"aren't","start":1663.32,"end":1663.48,"confidence":0.9975586,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.03985948860645294},{"word":"listed","start":1663.48,"end":1663.96,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":-0.04712824523448944},{"word":"on","start":1663.96,"end":1664.46,"confidence":0.96240234,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05492715537548065},{"word":"the","start":1665.0,"end":1665.24,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.048409756273031235},{"word":"asx","start":1665.24,"end":1665.74,"confidence":0.9671224,"punctuated_word":"ASX,","sentiment":"neutral","sentiment_score":-0.03591987490653992},{"word":"for","start":1665.7999,"end":1666.12,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06083239987492561},{"word":"example","start":1666.12,"end":1666.62,"confidence":0.78930664,"punctuated_word":"example.","sentiment":"neutral","sentiment_score":-0.01660027541220188},{"word":"and","start":1668.6,"end":1668.84,"confidence":0.94921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.028151744976639748},{"word":"what","start":1668.84,"end":1669.08,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.034300196915864944},{"word":"that","start":1669.08,"end":1669.32,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03771067783236504},{"word":"what","start":1669.96,"end":1670.46,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05178380012512207},{"word":"can","start":1670.84,"end":1671.08,"confidence":0.9941406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.055695682764053345},{"word":"be","start":1671.08,"end":1671.24,"confidence":0.9902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06413719803094864},{"word":"a","start":1671.24,"end":1671.32,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06269928812980652},{"word":"result","start":1671.32,"end":1671.72,"confidence":0.9980469,"punctuated_word":"result","sentiment":"neutral","sentiment_score":-0.0733020156621933},{"word":"of","start":1671.72,"end":1671.88,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05268304422497749},{"word":"that","start":1671.88,"end":1672.2,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03954758867621422},{"word":"is","start":1672.2,"end":1672.44,"confidence":0.97509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04591187834739685},{"word":"if","start":1672.44,"end":1672.6,"confidence":0.5131836,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06182980164885521},{"word":"you","start":1672.6,"end":1672.76,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.060344427824020386},{"word":"recall","start":1672.76,"end":1673.1599,"confidence":0.9707031,"punctuated_word":"recall","sentiment":"neutral","sentiment_score":-0.03019590675830841},{"word":"the","start":1673.1599,"end":1673.32,"confidence":0.85253906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11474941670894624},{"word":"gfc","start":1673.32,"end":1673.6133,"confidence":0.8623047,"punctuated_word":"GFC,","sentiment":"neutral","sentiment_score":-0.13285444676876068},{"word":"one","start":1673.6133,"end":1673.9066,"confidence":0.69921875,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.15200398862361908},{"word":"of","start":1673.9066,"end":1674.2,"confidence":0.91503906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11722569167613985},{"word":"the","start":1674.2,"end":1674.4933,"confidence":0.86279297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1058613732457161},{"word":"most","start":1674.4933,"end":1674.7866,"confidence":0.8828125,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.10739012062549592},{"word":"popular","start":1674.7866,"end":1675.08,"confidence":0.5366211,"punctuated_word":"popular","sentiment":"neutral","sentiment_score":-0.11636412143707275},{"word":"ones","start":1675.08,"end":1675.1599,"confidence":0.7011719,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.1284569650888443},{"word":"was","start":1675.1599,"end":1675.6599,"confidence":0.5732422,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1337367296218872},{"word":"impacted","start":1688.865,"end":1689.12,"confidence":0.9873047,"punctuated_word":"impacted","sentiment":"neutral","sentiment_score":-0.15002569556236267},{"word":"impacted","start":1689.28,"end":1689.78,"confidence":1.0,"punctuated_word":"impacted","sentiment":"neutral","sentiment_score":-0.18522104620933533},{"word":"the","start":1690.08,"end":1690.32,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26946961879730225},{"word":"property","start":1690.32,"end":1690.64,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.2803429365158081},{"word":"market","start":1690.64,"end":1691.12,"confidence":0.9873047,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.26421841979026794},{"word":"so","start":1691.12,"end":1691.36,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.08362622559070587},{"word":"heavily","start":1691.36,"end":1691.86,"confidence":0.99658203,"punctuated_word":"heavily.","sentiment":"neutral","sentiment_score":-0.09574811905622482},{"word":"when","start":1693.12,"end":1693.62,"confidence":0.99902344,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.013788919895887377},{"word":"clients","start":1693.92,"end":1694.4,"confidence":1.0,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":-0.0244147852063179},{"word":"get","start":1694.4,"end":1694.64,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.012846466153860092},{"word":"closer","start":1694.64,"end":1695.04,"confidence":0.99902344,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":-0.023219462484121323},{"word":"to","start":1695.04,"end":1695.2,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009239248931407928},{"word":"retirement","start":1695.2,"end":1695.7,"confidence":0.99902344,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.003407476469874382},{"word":"liquidity","start":1696.08,"end":1696.58,"confidence":1.0,"punctuated_word":"liquidity","sentiment":"neutral","sentiment_score":0.016077086329460144},{"word":"is","start":1697.44,"end":1697.68,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026888716965913773},{"word":"an","start":1697.68,"end":1698.0,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.050518766045570374},{"word":"extremely","start":1698.0,"end":1698.5,"confidence":1.0,"punctuated_word":"extremely","sentiment":"neutral","sentiment_score":0.04149007052183151},{"word":"important","start":1698.5599,"end":1699.0599,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.031136080622673035},{"word":"factor","start":1700.16,"end":1700.66,"confidence":1.0,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.07233212888240814},{"word":"because","start":1700.96,"end":1701.44,"confidence":0.94628906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04367373511195183},{"word":"clients","start":1701.44,"end":1701.84,"confidence":0.9980469,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.04458362236618996},{"word":"need","start":1701.84,"end":1702.08,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08167842030525208},{"word":"access","start":1702.08,"end":1702.4,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.06811287254095078},{"word":"to","start":1702.4,"end":1702.5599,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0740928202867508},{"word":"their","start":1702.5599,"end":1702.72,"confidence":1.0,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.026964779943227768},{"word":"funds","start":1702.72,"end":1703.12,"confidence":0.98291016,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.05147922784090042},{"word":"to","start":1703.12,"end":1703.2,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06296388804912567},{"word":"retire","start":1703.2,"end":1703.7,"confidence":0.9909668,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":0.05562182515859604},{"word":"so","start":1704.335,"end":1704.835,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06527814269065857},{"word":"i've","start":1704.975,"end":1705.295,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09849295020103456},{"word":"always","start":1705.295,"end":1705.795,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.12716230750083923},{"word":"operated","start":1706.095,"end":1706.595,"confidence":1.0,"punctuated_word":"operated","sentiment":"neutral","sentiment_score":0.08998429030179977},{"word":"in","start":1706.8151,"end":1706.975,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08811672031879425},{"word":"the","start":1706.975,"end":1707.135,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07188650965690613},{"word":"sense","start":1707.135,"end":1707.455,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.06457079946994781},{"word":"that","start":1707.455,"end":1707.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06571577489376068},{"word":"whilst","start":1708.655,"end":1709.135,"confidence":0.71875,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.0729328840970993},{"word":"building","start":1709.135,"end":1709.615,"confidence":1.0,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.09975890815258026},{"word":"wealth","start":1709.615,"end":1710.115,"confidence":0.9980469,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":0.15850788354873657},{"word":"and","start":1710.335,"end":1710.5751,"confidence":0.93115234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10544558614492416},{"word":"in","start":1710.5751,"end":1710.8151,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12683910131454468},{"word":"your","start":1710.8151,"end":1711.3151,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.147513747215271},{"word":"early","start":1711.455,"end":1711.775,"confidence":0.99609375,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.12935715913772583},{"word":"stages","start":1711.775,"end":1712.255,"confidence":1.0,"punctuated_word":"stages","sentiment":"neutral","sentiment_score":0.12907250225543976},{"word":"of","start":1712.255,"end":1712.415,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15252746641635895},{"word":"your","start":1712.415,"end":1712.655,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1750505119562149},{"word":"career","start":1712.655,"end":1713.155,"confidence":0.99316406,"punctuated_word":"career,","sentiment":"neutral","sentiment_score":0.13051845133304596},{"word":"industry","start":1713.935,"end":1714.335,"confidence":0.99902344,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":0.22915047407150269},{"word":"funds","start":1714.335,"end":1714.655,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.23625008761882785},{"word":"are","start":1714.655,"end":1714.8151,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.26831236481666565},{"word":"a","start":1714.8151,"end":1715.055,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26544564962387085},{"word":"fantastic","start":1715.055,"end":1715.555,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.3914964199066162},{"word":"opportunity","start":1718.175,"end":1718.675,"confidence":0.98095703,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.3178565800189972},{"word":"low","start":1719.1799,"end":1719.4199,"confidence":0.9970703,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.22624050080776217},{"word":"fees","start":1719.4199,"end":1719.9199,"confidence":0.9370117,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.25552234053611755},{"word":"as","start":1720.3799,"end":1720.62,"confidence":1.0,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.04316326603293419},{"word":"you","start":1720.62,"end":1720.7799,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05570666119456291},{"word":"get","start":1720.7799,"end":1721.1,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.05041290447115898},{"word":"closer","start":1721.1,"end":1721.58,"confidence":0.99902344,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":-0.09095555543899536},{"word":"to","start":1721.58,"end":1721.82,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10570211708545683},{"word":"retirement","start":1721.82,"end":1722.32,"confidence":0.99853516,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":-0.10926876962184906},{"word":"you","start":1722.86,"end":1723.0199,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14797517657279968},{"word":"need","start":1723.0199,"end":1723.2599,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1150909662246704},{"word":"funds","start":1723.2599,"end":1723.74,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.06587763130664825},{"word":"that","start":1723.74,"end":1723.8999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1055549904704094},{"word":"don't","start":1723.8999,"end":1724.22,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08936440944671631},{"word":"invest","start":1724.22,"end":1724.62,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":-0.04254419356584549},{"word":"in","start":1724.62,"end":1724.7799,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08705070614814758},{"word":"those","start":1724.7799,"end":1725.1,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.04871383309364319},{"word":"types","start":1725.1,"end":1725.6,"confidence":1.0,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.08226066082715988},{"word":"of","start":1726.86,"end":1727.34,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08540356159210205},{"word":"investments","start":1727.34,"end":1727.84,"confidence":0.9902344,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.03751600906252861},{"word":"so","start":1728.46,"end":1728.7,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010604988783597946},{"word":"everything","start":1728.7,"end":1729.1799,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.02062482386827469},{"word":"we","start":1729.1799,"end":1729.58,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.019925035536289215},{"word":"recommend","start":1729.58,"end":1730.08,"confidence":0.875,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.03187723457813263},{"word":"recommend","start":1730.5399,"end":1731.0199,"confidence":0.56591797,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.02615600079298019},{"word":"is","start":1731.0199,"end":1731.1799,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.016826502978801727},{"word":"a","start":1731.1799,"end":1731.2599,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04477238655090332},{"word":"listed","start":1731.2599,"end":1731.74,"confidence":0.99902344,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.05415705591440201},{"word":"asset","start":1731.74,"end":1732.24,"confidence":0.95581055,"punctuated_word":"asset.","sentiment":"neutral","sentiment_score":0.046358466148376465},{"word":"so","start":1732.2999,"end":1732.46,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03602958470582962},{"word":"that","start":1732.46,"end":1732.7,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.041917480528354645},{"word":"means","start":1732.7,"end":1732.94,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.03033900260925293},{"word":"that","start":1732.94,"end":1733.1799,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014328721910715103},{"word":"your","start":1733.1799,"end":1733.4199,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016630571335554123},{"word":"funds","start":1733.4199,"end":1733.9199,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.01104435697197914},{"word":"you","start":1735.405,"end":1735.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023246973752975464},{"word":"have","start":1735.645,"end":1735.885,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02951041609048843},{"word":"access","start":1735.885,"end":1736.2051,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.014898810535669329},{"word":"to","start":1736.2051,"end":1736.365,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01950990781188011},{"word":"a","start":1736.365,"end":1736.6051,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02097870782017708},{"word":"daily","start":1736.6051,"end":1737.0851,"confidence":1.0,"punctuated_word":"daily","sentiment":"neutral","sentiment_score":0.017906662076711655},{"word":"share","start":1737.0851,"end":1737.405,"confidence":1.0,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.032404039055109024},{"word":"price","start":1737.405,"end":1737.905,"confidence":0.984375,"punctuated_word":"price.","sentiment":"neutral","sentiment_score":0.01949743740260601},{"word":"in","start":1737.9651,"end":1738.125,"confidence":0.99902344,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.021784856915473935},{"word":"an","start":1738.125,"end":1738.365,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.017985455691814423},{"word":"unlisted","start":1738.365,"end":1738.8451,"confidence":1.0,"punctuated_word":"unlisted","sentiment":"neutral","sentiment_score":-0.033748507499694824},{"word":"asset","start":1738.8451,"end":1739.3451,"confidence":0.9975586,"punctuated_word":"asset,","sentiment":"neutral","sentiment_score":-0.02063647471368313},{"word":"the","start":1739.885,"end":1740.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03488610312342644},{"word":"the","start":1740.4451,"end":1740.685,"confidence":0.9472656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.034963443875312805},{"word":"price","start":1740.685,"end":1741.0851,"confidence":1.0,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.019634801894426342},{"word":"might","start":1741.0851,"end":1741.245,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.045192599296569824},{"word":"be","start":1741.245,"end":1741.5651,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05079643428325653},{"word":"calculated","start":1741.5651,"end":1742.0651,"confidence":1.0,"punctuated_word":"calculated","sentiment":"neutral","sentiment_score":-0.03493364155292511},{"word":"quarterly","start":1742.365,"end":1742.865,"confidence":1.0,"punctuated_word":"quarterly","sentiment":"neutral","sentiment_score":-0.03896390646696091},{"word":"or","start":1743.005,"end":1743.245,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0740320235490799},{"word":"monthly","start":1743.245,"end":1743.745,"confidence":0.8745117,"punctuated_word":"monthly.","sentiment":"neutral","sentiment_score":-0.03515906631946564},{"word":"so","start":1743.885,"end":1744.045,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.092728853225708},{"word":"you","start":1744.045,"end":1744.2051,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11165492981672288},{"word":"don't","start":1744.2051,"end":1744.525,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08757513761520386},{"word":"have","start":1744.525,"end":1744.685,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06444233655929565},{"word":"a","start":1744.685,"end":1744.925,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09457377344369888},{"word":"live","start":1744.925,"end":1745.425,"confidence":0.9902344,"punctuated_word":"live","sentiment":"neutral","sentiment_score":-0.14241202175617218},{"word":"value","start":1746.365,"end":1746.865,"confidence":0.9284668,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":-0.06370629370212555},{"word":"so","start":1749.165,"end":1749.3251,"confidence":0.85058594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06738845258951187},{"word":"that's","start":1749.3251,"end":1749.63,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06336759030818939},{"word":"why","start":1749.87,"end":1750.11,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.04140046238899231},{"word":"for","start":1750.11,"end":1750.59,"confidence":0.8989258,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10126253962516785},{"word":"my","start":1750.59,"end":1750.91,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.05869179964065552},{"word":"retiree","start":1750.91,"end":1751.41,"confidence":1.0,"punctuated_word":"retiree","sentiment":"neutral","sentiment_score":-0.04454190284013748},{"word":"clients","start":1751.71,"end":1752.11,"confidence":0.96435547,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":-0.028563231229782104},{"word":"that","start":1752.11,"end":1752.27,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07143194228410721},{"word":"are","start":1752.27,"end":1752.43,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08629269152879715},{"word":"approaching","start":1752.43,"end":1752.91,"confidence":1.0,"punctuated_word":"approaching","sentiment":"neutral","sentiment_score":-0.09268717467784882},{"word":"retirement","start":1752.91,"end":1753.41,"confidence":0.9941406,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":-0.0940069854259491},{"word":"i","start":1753.55,"end":1754.05,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1706705242395401},{"word":"tend","start":1754.43,"end":1754.75,"confidence":0.9980469,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.1420019567012787},{"word":"to","start":1754.75,"end":1755.25,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16439010202884674},{"word":"on","start":1755.63,"end":1755.79,"confidence":0.56591797,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.18424659967422485},{"word":"the","start":1755.79,"end":1755.95,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14878934621810913},{"word":"side","start":1755.95,"end":1756.11,"confidence":0.9970703,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.15282779932022095},{"word":"of","start":1756.11,"end":1756.27,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21427366137504575},{"word":"caution","start":1756.27,"end":1756.67,"confidence":0.99902344,"punctuated_word":"caution","sentiment":"neutral","sentiment_score":-0.1980009973049164},{"word":"when","start":1756.67,"end":1756.91,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.21964237093925476},{"word":"it","start":1756.91,"end":1756.99,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14489945769309998},{"word":"comes","start":1756.99,"end":1757.31,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.1333460807800293},{"word":"to","start":1757.31,"end":1757.39,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11982952058315276},{"word":"those","start":1757.39,"end":1757.63,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.10693174600601196},{"word":"types","start":1757.63,"end":1757.95,"confidence":0.9980469,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.1177823394536972},{"word":"of","start":1757.95,"end":1758.11,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15639597177505493},{"word":"investments","start":1758.11,"end":1758.61,"confidence":0.9770508,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.05311444029211998},{"word":"so","start":1759.39,"end":1759.55,"confidence":0.87841797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.023075442761182785},{"word":"that's","start":1759.55,"end":1759.95,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.02260455302894115},{"word":"why","start":1759.95,"end":1760.45,"confidence":0.98828125,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.09549559652805328},{"word":"i","start":1760.75,"end":1760.91,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16597598791122437},{"word":"didn't","start":1760.91,"end":1761.31,"confidence":0.9975586,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.11092066019773485},{"word":"choose","start":1761.31,"end":1761.675,"confidence":0.8100586,"punctuated_word":"choose","sentiment":"neutral","sentiment_score":-0.13058659434318542},{"word":"q","start":1762.0751,"end":1762.5751,"confidence":0.7060547,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.06247370317578316},{"word":"super","start":1763.915,"end":1764.415,"confidence":0.9584961,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.005399072542786598},{"word":"yeah","start":1765.755,"end":1766.155,"confidence":0.967041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01990067213773727},{"word":"yep","start":1766.155,"end":1766.655,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023912018164992332},{"word":"then","start":1767.275,"end":1767.775,"confidence":0.9941406,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.013367386534810066},{"word":"so","start":1769.515,"end":1769.8351,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.012435812503099442},{"word":"what","start":1769.8351,"end":1770.0751,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03221346065402031},{"word":"my","start":1770.0751,"end":1770.2351,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.02227897197008133},{"word":"recommendation","start":1770.2351,"end":1770.7351,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.049345314502716064},{"word":"is","start":1770.9551,"end":1771.275,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05188508331775665},{"word":"is","start":1771.275,"end":1771.5951,"confidence":0.8925781,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0565248541533947},{"word":"essentially","start":1771.5951,"end":1771.995,"confidence":0.88427734,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.06843375414609909},{"word":"that","start":1771.995,"end":1772.3151,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05322594568133354},{"word":"we're","start":1772.3151,"end":1772.4751,"confidence":0.92041016,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07058299332857132},{"word":"gonna","start":1772.4751,"end":1772.7151,"confidence":0.96533203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0928558111190796},{"word":"keep","start":1772.7151,"end":1773.035,"confidence":0.9951172,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.08577972650527954},{"word":"10,000","start":1773.035,"end":1773.69,"confidence":0.99853516,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.1378147155046463},{"word":"in","start":1773.7699,"end":1774.0099,"confidence":0.73779297,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1194765642285347},{"word":"q","start":1774.0099,"end":1774.1699,"confidence":0.6191406,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.09303689002990724},{"word":"super","start":1774.1699,"end":1774.49,"confidence":0.86279297,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10688826441764832},{"word":"to","start":1774.49,"end":1774.6499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06321224570274353},{"word":"maintain","start":1774.6499,"end":1774.97,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.07932431995868683},{"word":"your","start":1774.97,"end":1775.21,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05194476991891861},{"word":"insurance","start":1775.21,"end":1775.71,"confidence":0.98168945,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.06229085847735405},{"word":"get","start":1776.09,"end":1776.33,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06409214437007904},{"word":"you","start":1776.33,"end":1776.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04036370664834976},{"word":"to","start":1776.49,"end":1776.6499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06471091508865356},{"word":"sign","start":1776.6499,"end":1776.8899,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.04744641110301018},{"word":"that","start":1776.8899,"end":1777.3899,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04722962900996208},{"word":"opt","start":1777.45,"end":1777.69,"confidence":0.9951172,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.07696185261011124},{"word":"in","start":1777.69,"end":1778.0099,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0597105473279953},{"word":"form","start":1778.0099,"end":1778.4099,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.08622231334447861},{"word":"to","start":1778.4099,"end":1778.57,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.042084477841854095},{"word":"make","start":1778.57,"end":1778.73,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.00691261887550354},{"word":"sure","start":1778.73,"end":1778.8899,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.00979718565940857},{"word":"your","start":1778.8899,"end":1779.1299,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.018709354102611545},{"word":"insurance","start":1779.1299,"end":1779.5299,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.03126676380634308},{"word":"remain","start":1779.5299,"end":1780.0099,"confidence":0.9863281,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.02813761681318283},{"word":"active","start":1780.0099,"end":1780.5099,"confidence":0.9748535,"punctuated_word":"active,","sentiment":"neutral","sentiment_score":0.031145818531513218},{"word":"roll","start":1781.37,"end":1781.7699,"confidence":0.9873047,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.06728249788284302},{"word":"the","start":1781.7699,"end":1782.2699,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.048645634204149246},{"word":"surplus","start":1782.33,"end":1782.83,"confidence":1.0,"punctuated_word":"surplus","sentiment":"neutral","sentiment_score":0.06025680899620056},{"word":"to","start":1782.97,"end":1783.1299,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.034296996891498566},{"word":"hub","start":1783.1299,"end":1783.45,"confidence":0.82958984,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.028371118009090424},{"word":"twenty","start":1783.45,"end":1783.85,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.06127619743347168},{"word":"four","start":1783.85,"end":1784.35,"confidence":0.9875488,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.032819584012031555},{"word":"the","start":1785.45,"end":1785.95,"confidence":0.9526367,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.08965864777565002},{"word":"the","start":1789.825,"end":1790.0651,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08193373680114746},{"word":"fees","start":1790.0651,"end":1790.5651,"confidence":0.99609375,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.1148700714111328},{"word":"will","start":1790.705,"end":1791.105,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.0863877534866333},{"word":"increase","start":1791.105,"end":1791.585,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.08159634470939636},{"word":"a","start":1791.585,"end":1791.665,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09440366923809052},{"word":"little","start":1791.665,"end":1791.905,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.10529360175132751},{"word":"bit","start":1791.905,"end":1792.225,"confidence":0.7932129,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.11183856427669524},{"word":"your","start":1792.225,"end":1792.725,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0955941677093506},{"word":"administration","start":1792.945,"end":1793.445,"confidence":1.0,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":-0.15875478088855743},{"word":"fees","start":1793.905,"end":1794.405,"confidence":0.9199219,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":-0.07913115620613098},{"word":"simply","start":1795.105,"end":1795.585,"confidence":1.0,"punctuated_word":"simply","sentiment":"neutral","sentiment_score":-0.0644427016377449},{"word":"because","start":1795.585,"end":1796.085,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.03767084330320358},{"word":"so","start":1797.585,"end":1797.825,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.012183725833892822},{"word":"it","start":1797.825,"end":1797.985,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.017546121031045914},{"word":"says","start":1797.985,"end":1798.145,"confidence":0.99902344,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.005180861800909042},{"word":"you'll","start":1798.145,"end":1798.385,"confidence":0.99365234,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.010568431578576565},{"word":"pay","start":1798.385,"end":1798.625,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.00991581380367279},{"word":"$228","start":1798.625,"end":1799.985,"confidence":0.9977539,"punctuated_word":"$228","sentiment":"neutral","sentiment_score":-0.011653617024421692},{"word":"more","start":1799.985,"end":1800.145,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.015677258372306824},{"word":"in","start":1800.145,"end":1800.385,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.009861834347248076},{"word":"administration","start":1800.385,"end":1800.885,"confidence":1.0,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":-0.06239497289061546},{"word":"fees","start":1801.265,"end":1801.585,"confidence":0.9951172,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.015493731945753098},{"word":"in","start":1801.585,"end":1801.905,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.028117287904024124},{"word":"hub","start":1801.905,"end":1802.145,"confidence":0.75634766,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":-0.024142704904079437},{"word":"twenty","start":1802.145,"end":1802.545,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.023462455719709396},{"word":"four","start":1802.545,"end":1803.03,"confidence":0.9379883,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":-0.021536270156502724},{"word":"and","start":1803.1901,"end":1803.35,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01932117715477943},{"word":"that's","start":1803.35,"end":1803.51,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.013398852199316025},{"word":"because","start":1803.51,"end":1804.01,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.022449098527431488},{"word":"we're","start":1804.31,"end":1804.7101,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.040053680539131165},{"word":"taking","start":1804.7101,"end":1805.03,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.0425066351890564},{"word":"the","start":1805.03,"end":1805.1901,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04295741394162178},{"word":"funds","start":1805.1901,"end":1805.67,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.06731557846069336},{"word":"out","start":1805.67,"end":1805.91,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03227280080318451},{"word":"of","start":1805.91,"end":1806.15,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02642672508955002},{"word":"q","start":1806.15,"end":1806.47,"confidence":0.6660156,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.01533195748925209},{"word":"super","start":1806.47,"end":1806.97,"confidence":0.89746094,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0015991628170013428},{"word":"and","start":1807.27,"end":1807.51,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02256784960627556},{"word":"increasing","start":1807.51,"end":1808.01,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.0060929059982299805},{"word":"them","start":1808.87,"end":1809.1901,"confidence":0.9980469,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.009178079664707184},{"word":"in","start":1809.1901,"end":1809.43,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.003414381295442581},{"word":"hub","start":1809.43,"end":1809.75,"confidence":0.9980469,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.004610627889633179},{"word":"24","start":1809.75,"end":1810.39,"confidence":0.9954834,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":-0.01540139690041542},{"word":"so","start":1810.39,"end":1810.63,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02141103148460388},{"word":"the","start":1810.63,"end":1810.79,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027943208813667297},{"word":"difference","start":1810.79,"end":1811.27,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.017371535301208496},{"word":"between","start":1811.27,"end":1811.67,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.028531678020954132},{"word":"that","start":1811.67,"end":1812.17,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.035921406000852585},{"word":"will","start":1812.39,"end":1812.55,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.023831035941839215},{"word":"be","start":1812.55,"end":1812.87,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04235471785068512},{"word":"$228","start":1812.87,"end":1814.23,"confidence":0.989624,"punctuated_word":"$228.","sentiment":"neutral","sentiment_score":0.01977555640041828},{"word":"so","start":1814.23,"end":1814.39,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08919820189476013},{"word":"it's","start":1814.39,"end":1814.63,"confidence":0.9904785,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1046314686536789},{"word":"gonna","start":1814.63,"end":1815.13,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1176118552684784},{"word":"so","start":1815.43,"end":1815.91,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15927588939666748},{"word":"that's","start":1815.91,"end":1816.245,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2049960196018219},{"word":"the","start":1816.325,"end":1816.645,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2713230848312378},{"word":"savings","start":1816.645,"end":1817.145,"confidence":0.9980469,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.14579276740550995},{"word":"from","start":1818.005,"end":1818.405,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2969721555709839},{"word":"qsuper","start":1818.405,"end":1818.905,"confidence":0.70532227,"punctuated_word":"QSuper","sentiment":"neutral","sentiment_score":0.269538938999176},{"word":"and","start":1819.125,"end":1819.285,"confidence":0.9301758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2507099509239197},{"word":"the","start":1819.285,"end":1819.6849,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3023974895477295},{"word":"extra","start":1819.6849,"end":1820.1849,"confidence":0.9951172,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.30811452865600586},{"word":"that","start":1820.965,"end":1821.125,"confidence":0.93603516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23879474401474},{"word":"you'll","start":1821.125,"end":1821.365,"confidence":0.9753418,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.16781136393547058},{"word":"pay","start":1821.365,"end":1821.525,"confidence":0.99609375,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.16273468732833862},{"word":"with","start":1821.525,"end":1821.765,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1406516283750534},{"word":"hub","start":1821.765,"end":1822.005,"confidence":0.6557617,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.10675940662622452},{"word":"twenty","start":1822.005,"end":1822.245,"confidence":0.9970703,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.13515928387641907},{"word":"four","start":1822.245,"end":1822.485,"confidence":0.99853516,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.07267779856920242},{"word":"does","start":1822.485,"end":1822.725,"confidence":0.9902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.08869977295398712},{"word":"that","start":1822.725,"end":1822.885,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14766329526901245},{"word":"make","start":1822.885,"end":1823.125,"confidence":0.98535156,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09760843217372894},{"word":"sense","start":1823.125,"end":1823.625,"confidence":0.9921875,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.0861983448266983},{"word":"yes","start":1824.885,"end":1825.365,"confidence":0.8652344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2114886939525604},{"word":"okay","start":1825.365,"end":1825.845,"confidence":0.9785156,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4552641212940216},{"word":"fantastic","start":1825.845,"end":1826.345,"confidence":0.982666,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7525285482406616},{"word":"additionally","start":1831.7,"end":1832.2,"confidence":0.9592285,"punctuated_word":"Additionally,","sentiment":"positive","sentiment_score":0.5121356248855591},{"word":"there","start":1832.82,"end":1833.0599,"confidence":0.9770508,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4517106413841248},{"word":"is","start":1833.0599,"end":1833.2999,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.44153642654418945},{"word":"no","start":1833.2999,"end":1833.7999,"confidence":1.0,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.4012364745140076},{"word":"cgt","start":1833.86,"end":1834.36,"confidence":0.9951172,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.1970716267824173},{"word":"exposure","start":1835.14,"end":1835.64,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.18046048283576965},{"word":"in","start":1835.7,"end":1835.86,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.288949579000473},{"word":"the","start":1835.86,"end":1836.1,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4117806851863861},{"word":"q","start":1836.1,"end":1836.34,"confidence":0.66064453,"punctuated_word":"q","sentiment":"positive","sentiment_score":0.4311276078224182},{"word":"super","start":1836.34,"end":1836.6599,"confidence":0.7753906,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.42244309186935425},{"word":"fund","start":1836.6599,"end":1836.82,"confidence":0.89208984,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.4938062727451325},{"word":"because","start":1836.82,"end":1837.0599,"confidence":0.82470703,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.34313488006591797},{"word":"they're","start":1837.0599,"end":1837.22,"confidence":0.79345703,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.4929835796356201},{"word":"gonna","start":1837.22,"end":1837.46,"confidence":0.9580078,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.5088592767715454},{"word":"make","start":1837.46,"end":1837.7,"confidence":0.99902344,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.5266144871711731},{"word":"a","start":1837.7,"end":1837.78,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5037719011306763},{"word":"few","start":1837.78,"end":1838.1,"confidence":1.0,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.4516006112098694},{"word":"investment","start":1838.1,"end":1838.6,"confidence":0.66845703,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.37183502316474915},{"word":"switches","start":1838.6599,"end":1839.14,"confidence":0.9863281,"punctuated_word":"switches","sentiment":"positive","sentiment_score":0.39771121740341187},{"word":"as","start":1839.14,"end":1839.38,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.48588481545448303},{"word":"well","start":1839.38,"end":1839.88,"confidence":0.7590332,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.39772477746009827},{"word":"i","start":1839.94,"end":1840.1,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19639822840690613},{"word":"mean","start":1840.1,"end":1840.26,"confidence":0.9946289,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.21390917897224423},{"word":"in","start":1840.26,"end":1840.5,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16558335721492767},{"word":"the","start":1840.5,"end":1840.58,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1922935247421265},{"word":"hub","start":1840.58,"end":1840.82,"confidence":0.7558594,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1903982013463974},{"word":"twenty","start":1840.82,"end":1841.14,"confidence":0.9970703,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2266352027654648},{"word":"four","start":1841.14,"end":1841.2999,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.153155580163002},{"word":"fund","start":1841.2999,"end":1841.62,"confidence":0.7709961,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.15738829970359802},{"word":"sorry","start":1841.62,"end":1842.12,"confidence":0.967041,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.023064734414219856},{"word":"because","start":1843.5449,"end":1844.0449,"confidence":0.9387207,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.04021453857421875},{"word":"yeah","start":1844.6649,"end":1844.905,"confidence":0.9785156,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.062428973615169525},{"word":"there's","start":1844.905,"end":1845.225,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.06581330299377441},{"word":"no","start":1845.225,"end":1845.385,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.02264208346605301},{"word":"capital","start":1845.385,"end":1845.7849,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.14913606643676758},{"word":"gains","start":1845.7849,"end":1846.105,"confidence":0.9970703,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.11388203501701356},{"word":"tax","start":1846.105,"end":1846.605,"confidence":0.93603516,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.025635473430156708},{"word":"in","start":1847.065,"end":1847.385,"confidence":0.9902344,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.009660087525844574},{"word":"q","start":1847.385,"end":1847.705,"confidence":0.76660156,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.013265158981084824},{"word":"super","start":1847.705,"end":1848.205,"confidence":0.9584961,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.021238625049591064},{"word":"there","start":1848.345,"end":1848.585,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0141688771545887},{"word":"could","start":1848.585,"end":1848.905,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.019646182656288147},{"word":"be","start":1848.905,"end":1849.385,"confidence":0.9921875,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.0013406332582235336},{"word":"it","start":1849.385,"end":1849.5449,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.07496161013841629},{"word":"is","start":1849.5449,"end":1849.865,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.13875523209571838},{"word":"hard","start":1849.865,"end":1850.1849,"confidence":1.0,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.185825914144516},{"word":"for","start":1850.1849,"end":1850.345,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15481819212436676},{"word":"us","start":1850.345,"end":1850.585,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.07401230186223984},{"word":"to","start":1850.585,"end":1850.745,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08469171822071075},{"word":"know","start":1850.745,"end":1851.145,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.09813813120126724},{"word":"because","start":1851.145,"end":1851.5449,"confidence":0.9819336,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06966514885425568},{"word":"of","start":1851.5449,"end":1851.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05738537386059761},{"word":"the","start":1851.705,"end":1851.865,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025133229792118073},{"word":"type","start":1851.865,"end":1852.265,"confidence":0.9980469,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.043692998588085175},{"word":"of","start":1852.265,"end":1852.765,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01903064176440239},{"word":"fund","start":1854.025,"end":1854.345,"confidence":0.9428711,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.051338858902454376},{"word":"it","start":1854.345,"end":1854.505,"confidence":0.93359375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.010941609740257263},{"word":"is","start":1854.505,"end":1854.69,"confidence":0.9926758,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.01083940640091896},{"word":"so","start":1854.69,"end":1855.0099,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07371516525745392},{"word":"because","start":1855.0099,"end":1855.4099,"confidence":0.9863281,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06236249580979347},{"word":"all","start":1855.4099,"end":1855.57,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11057333648204803},{"word":"the","start":1855.57,"end":1855.73,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09832575917243958},{"word":"money","start":1855.73,"end":1855.97,"confidence":0.9980469,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.13932129740715027},{"word":"is","start":1855.97,"end":1856.21,"confidence":0.9199219,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10409290343523026},{"word":"invested","start":1856.21,"end":1856.61,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.059585362672805786},{"word":"in","start":1856.61,"end":1856.85,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12312716245651244},{"word":"a","start":1856.85,"end":1856.9299,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10873201489448547},{"word":"pooled","start":1856.9299,"end":1857.4299,"confidence":0.78759766,"punctuated_word":"pooled","sentiment":"neutral","sentiment_score":0.12203528732061386},{"word":"situation","start":1859.25,"end":1859.75,"confidence":0.93481445,"punctuated_word":"situation,","sentiment":"neutral","sentiment_score":0.1308346390724182},{"word":"so","start":1859.8899,"end":1860.1299,"confidence":0.98828125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11126376688480376},{"word":"yours","start":1860.1299,"end":1860.45,"confidence":0.99902344,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":0.17138051986694336},{"word":"is","start":1860.45,"end":1860.61,"confidence":0.94921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16433323919773102},{"word":"invested","start":1860.61,"end":1861.09,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.0893949568271637},{"word":"with","start":1861.09,"end":1861.33,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1449696123600006},{"word":"everyone","start":1861.33,"end":1861.6499,"confidence":1.0,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.14240702986717224},{"word":"else","start":1861.6499,"end":1861.8899,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.15655934810638428},{"word":"in","start":1861.8899,"end":1862.0499,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08205187320709229},{"word":"the","start":1862.0499,"end":1862.21,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08159059286117554},{"word":"lifetime","start":1862.21,"end":1862.71,"confidence":0.99902344,"punctuated_word":"lifetime","sentiment":"neutral","sentiment_score":0.12092257291078568},{"word":"focus","start":1862.7699,"end":1863.2699,"confidence":0.9206543,"punctuated_word":"focus,","sentiment":"neutral","sentiment_score":0.04661991447210312},{"word":"you","start":1863.97,"end":1864.21,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.028810668736696243},{"word":"don't","start":1864.21,"end":1864.45,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.022148987278342247},{"word":"have","start":1864.45,"end":1864.95,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02997753396630287},{"word":"you","start":1865.8899,"end":1866.0499,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04370751604437828},{"word":"own","start":1866.0499,"end":1866.37,"confidence":0.9941406,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.07697685062885284},{"word":"a","start":1866.37,"end":1866.5299,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06468375027179718},{"word":"share","start":1866.5299,"end":1866.85,"confidence":1.0,"punctuated_word":"share","sentiment":"neutral","sentiment_score":-0.055203575640916824},{"word":"of","start":1866.85,"end":1866.9299,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05715516954660416},{"word":"it","start":1866.9299,"end":1867.25,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.06648565828800201},{"word":"you","start":1867.25,"end":1867.4099,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.08461426943540573},{"word":"don't","start":1867.4099,"end":1867.6499,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.061536144465208054},{"word":"own","start":1867.6499,"end":1867.8099,"confidence":0.99121094,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.056399866938591},{"word":"the","start":1867.8099,"end":1867.97,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06567417085170746},{"word":"investment","start":1867.97,"end":1868.47,"confidence":0.6928711,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.08027449995279312},{"word":"specifically","start":1868.7699,"end":1869.2699,"confidence":0.87353516,"punctuated_word":"specifically.","sentiment":"neutral","sentiment_score":-0.10081084072589874},{"word":"so","start":1869.945,"end":1870.445,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05233108997344971},{"word":"an","start":1870.6649,"end":1870.9049,"confidence":0.7919922,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.08033683896064758},{"word":"allocation","start":1870.9049,"end":1871.4049,"confidence":1.0,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":-0.03802577778697014},{"word":"of","start":1871.705,"end":1872.0249,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06772490590810776},{"word":"capital","start":1872.0249,"end":1872.505,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.09900427609682085},{"word":"gains","start":1872.505,"end":1872.9049,"confidence":0.9970703,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.05985051393508911},{"word":"tax","start":1872.9049,"end":1873.1449,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.026614554226398468},{"word":"would","start":1873.1449,"end":1873.385,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08099928498268127},{"word":"be","start":1873.385,"end":1873.625,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0589035339653492},{"word":"applicable","start":1873.625,"end":1874.125,"confidence":1.0,"punctuated_word":"applicable","sentiment":"neutral","sentiment_score":-0.10277172923088074},{"word":"to","start":1874.1849,"end":1874.345,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07079577445983887},{"word":"you","start":1874.345,"end":1874.845,"confidence":0.79003906,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.08721967786550522},{"word":"typically","start":1875.1449,"end":1875.6449,"confidence":0.9980469,"punctuated_word":"Typically","sentiment":"neutral","sentiment_score":-0.056015849113464355},{"word":"smaller","start":1875.705,"end":1876.205,"confidence":0.8100586,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":-0.11742165684700012},{"word":"in","start":1876.505,"end":1876.825,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09042279422283173},{"word":"a","start":1876.825,"end":1877.1449,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09197652339935304},{"word":"pooled","start":1877.1449,"end":1877.5449,"confidence":0.9658203,"punctuated_word":"pooled","sentiment":"neutral","sentiment_score":-0.10462026298046112},{"word":"fund","start":1877.5449,"end":1877.945,"confidence":0.7636719,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.11528106033802032},{"word":"but","start":1877.945,"end":1878.1849,"confidence":0.95947266,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.10940077900886536},{"word":"i'm","start":1878.1849,"end":1878.505,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15863607823848724},{"word":"unable","start":1878.505,"end":1878.985,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.15903061628341675},{"word":"to","start":1878.985,"end":1879.1449,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14928916096687317},{"word":"actually","start":1879.1449,"end":1879.5449,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.133815199136734},{"word":"determine","start":1879.5449,"end":1880.0249,"confidence":1.0,"punctuated_word":"determine","sentiment":"neutral","sentiment_score":-0.11935729533433914},{"word":"what","start":1880.0249,"end":1880.265,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1550256460905075},{"word":"that","start":1880.265,"end":1880.505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1730985939502716},{"word":"will","start":1880.505,"end":1880.745,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1980670690536499},{"word":"be","start":1880.745,"end":1881.245,"confidence":1.0,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.1266205757856369},{"word":"so","start":1885.2001,"end":1885.7001,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02762613072991371},{"word":"in","start":1885.76,"end":1885.92,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01959192380309105},{"word":"line","start":1885.92,"end":1886.16,"confidence":0.99902344,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.029507506638765335},{"word":"with","start":1886.16,"end":1886.66,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02681621164083481},{"word":"considering","start":1886.8,"end":1887.3,"confidence":0.9291992,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.015415742993354796},{"word":"q","start":1887.4401,"end":1887.76,"confidence":0.7602539,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.019102394580841064},{"word":"super","start":1887.76,"end":1888.0,"confidence":0.71435547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.02351655066013336},{"word":"as","start":1888.0,"end":1888.0801,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.010628271847963331},{"word":"well","start":1888.0801,"end":1888.4,"confidence":0.99658203,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.007301954552531242},{"word":"we","start":1888.4,"end":1888.48,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.017285820096731186},{"word":"considered","start":1888.48,"end":1888.9601,"confidence":0.48754883,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":-0.020424168556928635},{"word":"another","start":1888.9601,"end":1889.36,"confidence":0.9892578,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.020768877118825912},{"word":"fund","start":1889.36,"end":1889.68,"confidence":0.77441406,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.02867835760116577},{"word":"like","start":1889.68,"end":1889.92,"confidence":0.9111328,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.026634741574525833},{"word":"my","start":1889.92,"end":1890.3201,"confidence":0.56933594,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.01335826888680458},{"word":"north","start":1890.3201,"end":1890.8201,"confidence":0.78344727,"punctuated_word":"north.","sentiment":"neutral","sentiment_score":-0.017055397853255272},{"word":"the","start":1892.3201,"end":1892.8201,"confidence":0.40185547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0393947996199131},{"word":"a","start":1893.12,"end":1893.28,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07514342665672302},{"word":"high","start":1893.28,"end":1893.52,"confidence":0.9970703,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.07759048789739609},{"word":"cgt","start":1893.52,"end":1894.02,"confidence":0.98291016,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":-0.060578472912311554},{"word":"would","start":1894.0801,"end":1894.3201,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08754012733697891},{"word":"have","start":1894.3201,"end":1894.4,"confidence":0.9316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08654198050498962},{"word":"been","start":1894.4,"end":1894.64,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1154693141579628},{"word":"occurred","start":1894.64,"end":1895.14,"confidence":0.9526367,"punctuated_word":"occurred","sentiment":"neutral","sentiment_score":-0.07237797975540161},{"word":"through","start":1895.325,"end":1895.565,"confidence":0.9863281,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.1058548092842102},{"word":"hub","start":1895.565,"end":1895.725,"confidence":0.6352539,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":-0.017550155520439148},{"word":"twenty","start":1895.725,"end":1896.0449,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.03137236833572388},{"word":"four","start":1896.0449,"end":1896.2849,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.027591783553361893},{"word":"to","start":1896.2849,"end":1896.445,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.046641912311315536},{"word":"do","start":1896.445,"end":1896.605,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04180899262428284},{"word":"that","start":1896.605,"end":1897.005,"confidence":0.80981445,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.046785540878772736},{"word":"approximately","start":1897.005,"end":1897.505,"confidence":0.99902344,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":-0.07463674992322922},{"word":"$1,600","start":1897.6449,"end":1898.7649,"confidence":0.90026855,"punctuated_word":"$1,600.","sentiment":"neutral","sentiment_score":-0.02794097363948822},{"word":"so","start":1898.7649,"end":1898.9249,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0017368420958518982},{"word":"that's","start":1898.9249,"end":1899.1649,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.004909731447696686},{"word":"why","start":1899.1649,"end":1899.565,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.003497965633869171},{"word":"i","start":1899.565,"end":1899.885,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006553478538990021},{"word":"discounted","start":1899.885,"end":1900.385,"confidence":0.99902344,"punctuated_word":"discounted","sentiment":"neutral","sentiment_score":-0.014711126685142515},{"word":"that","start":1900.445,"end":1900.945,"confidence":0.9038086,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.04936912655830383},{"word":"and","start":1902.5249,"end":1902.7649,"confidence":0.7121582,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.02533400058746338},{"word":"also","start":1902.7649,"end":1903.245,"confidence":0.9995117,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":-0.0428350567817688},{"word":"their","start":1903.245,"end":1903.6449,"confidence":0.95947266,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.08083530515432358},{"word":"investment","start":1903.6449,"end":1904.1449,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.08102956414222717},{"word":"trading","start":1904.5249,"end":1904.9249,"confidence":0.9921875,"punctuated_word":"trading","sentiment":"neutral","sentiment_score":-0.06087280064821243},{"word":"fees","start":1904.9249,"end":1905.245,"confidence":0.9970703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.06739440560340881},{"word":"are","start":1905.245,"end":1905.4049,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08984407782554626},{"word":"a","start":1905.4049,"end":1905.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07681886851787567},{"word":"little","start":1905.485,"end":1905.725,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08259101212024689},{"word":"bit","start":1905.725,"end":1906.125,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08732964098453522},{"word":"higher","start":1906.125,"end":1906.625,"confidence":0.9995117,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":-0.054288920015096664},{"word":"so","start":1907.245,"end":1907.725,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0016049426048994064},{"word":"any","start":1907.725,"end":1907.965,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.007758265361189842},{"word":"questions","start":1907.965,"end":1908.465,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.0015404615551233292},{"word":"following","start":1908.5249,"end":1909.005,"confidence":1.0,"punctuated_word":"following","sentiment":"neutral","sentiment_score":-0.010269606485962868},{"word":"that","start":1909.005,"end":1909.47,"confidence":0.99560547,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.009331301786005495},{"word":"no","start":1911.47,"end":1911.71,"confidence":0.986084,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12663152813911438},{"word":"it's","start":1911.71,"end":1911.95,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.14187884330749512},{"word":"a","start":1911.95,"end":1912.03,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17216823995113373},{"word":"lot","start":1912.03,"end":1912.27,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.1492002308368683},{"word":"to","start":1912.27,"end":1912.4299,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11553610861301422},{"word":"take","start":1912.4299,"end":1912.59,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.11101003736257552},{"word":"in","start":1912.59,"end":1912.83,"confidence":0.96972656,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.12432492524385452},{"word":"isn't","start":1912.83,"end":1913.07,"confidence":1.0,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.08327063918113708},{"word":"it","start":1913.07,"end":1913.57,"confidence":0.99902344,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.05862036347389221},{"word":"the","start":1916.11,"end":1916.4299,"confidence":0.99316406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.016761649399995804},{"word":"fee","start":1916.4299,"end":1916.75,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.02062701061367989},{"word":"comparison","start":1916.75,"end":1917.25,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":-0.015205387026071548},{"word":"is","start":1917.39,"end":1917.63,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.017195086926221848},{"word":"the","start":1917.63,"end":1917.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027761336416006088},{"word":"next","start":1917.71,"end":1918.11,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.02121187373995781},{"word":"page","start":1918.11,"end":1918.4299,"confidence":0.8408203,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.004666276276111603},{"word":"so","start":1918.4299,"end":1918.6699,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03379009664058685},{"word":"that's","start":1918.6699,"end":1918.99,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.029123110696673393},{"word":"the","start":1918.99,"end":1919.15,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018199320882558823},{"word":"difference","start":1919.15,"end":1919.63,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.0010243318974971771},{"word":"in","start":1919.63,"end":1919.7899,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.020556867122650143},{"word":"the","start":1919.7899,"end":1920.03,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014318447560071943},{"word":"fees","start":1920.03,"end":1920.51,"confidence":0.9550781,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.010708224028348924},{"word":"that","start":1920.51,"end":1920.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.038638580590486526},{"word":"i","start":1920.75,"end":1920.99,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029330704361200333},{"word":"explained","start":1920.99,"end":1921.49,"confidence":0.9921875,"punctuated_word":"explained","sentiment":"neutral","sentiment_score":0.028342537581920624},{"word":"to","start":1921.63,"end":1921.7899,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04676063731312752},{"word":"you","start":1921.7899,"end":1922.2899,"confidence":0.9951172,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.024134421721100807},{"word":"so","start":1922.955,"end":1923.455,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03572012484073639},{"word":"that","start":1924.235,"end":1924.715,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03568315878510475},{"word":"table","start":1924.715,"end":1925.195,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.019255725666880608},{"word":"so","start":1925.515,"end":1925.755,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03733185306191445},{"word":"running","start":1925.755,"end":1926.075,"confidence":1.0,"punctuated_word":"running","sentiment":"neutral","sentiment_score":0.04272991791367531},{"word":"your","start":1926.075,"end":1926.315,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.039035506546497345},{"word":"eyes","start":1926.315,"end":1926.635,"confidence":1.0,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.04298417642712593},{"word":"over","start":1926.635,"end":1927.035,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.05057337507605553},{"word":"that","start":1927.035,"end":1927.355,"confidence":0.95410156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045935314148664474},{"word":"first","start":1927.355,"end":1927.755,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.029278157278895375},{"word":"table","start":1927.755,"end":1928.255,"confidence":0.9562988,"punctuated_word":"table,","sentiment":"neutral","sentiment_score":0.03764674812555313},{"word":"any","start":1928.395,"end":1928.715,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.056889645755290985},{"word":"questions","start":1928.715,"end":1929.215,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.030644338577985764},{"word":"there","start":1929.355,"end":1929.855,"confidence":0.9921875,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.010304903611540794},{"word":"no","start":1939.29,"end":1939.79,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07231704890727997},{"word":"no","start":1953.865,"end":1954.365,"confidence":0.6159668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0441180095076561},{"word":"and","start":1955.0651,"end":1955.305,"confidence":0.93408203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.005873769521713257},{"word":"that","start":1955.305,"end":1955.785,"confidence":0.9760742,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.061388544738292694},{"word":"second","start":1955.785,"end":1956.185,"confidence":0.97509766,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.04543747007846832},{"word":"table","start":1956.185,"end":1956.665,"confidence":0.99609375,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.042546600103378296},{"word":"below","start":1956.665,"end":1957.165,"confidence":0.9951172,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.026997271925210953},{"word":"is","start":1957.305,"end":1957.465,"confidence":0.94189453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.039305705577135086},{"word":"your","start":1957.465,"end":1957.785,"confidence":0.9819336,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.059127677232027054},{"word":"projected","start":1957.785,"end":1958.285,"confidence":0.9863281,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.009697437286376951},{"word":"balance","start":1958.345,"end":1958.76,"confidence":0.91845703,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.005822284147143364},{"word":"so","start":1959.08,"end":1959.24,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03614021837711334},{"word":"we","start":1959.24,"end":1959.64,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04722129553556442},{"word":"don't","start":1959.64,"end":1959.96,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0000904028638615273},{"word":"do","start":1959.96,"end":1960.28,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08965955674648285},{"word":"anything","start":1960.28,"end":1960.78,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.05611001700162888},{"word":"sick","start":1961.0,"end":1961.5,"confidence":0.6015625,"punctuated_word":"sick","sentiment":"neutral","sentiment_score":-0.22182339429855347},{"word":"like","start":1961.96,"end":1962.2,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2049213945865631},{"word":"large","start":1962.2,"end":1962.52,"confidence":0.5419922,"punctuated_word":"large","sentiment":"neutral","sentiment_score":-0.2671654224395752},{"word":"balance","start":1962.52,"end":1963.02,"confidence":0.9863281,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.14505481719970703},{"word":"projections","start":1963.24,"end":1963.74,"confidence":0.99316406,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":-0.10631466656923294},{"word":"outside","start":1964.56,"end":1965.06,"confidence":0.87890625,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.06253887712955475},{"word":"of","start":1965.88,"end":1966.2,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024222880601882935},{"word":"ten","start":1966.2,"end":1966.36,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.007127262651920319},{"word":"years","start":1966.36,"end":1966.86,"confidence":0.9863281,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.012011836282908916},{"word":"so","start":1967.24,"end":1967.56,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01929001323878765},{"word":"you'll","start":1967.56,"end":1967.72,"confidence":0.9995117,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.03952670842409134},{"word":"see","start":1967.72,"end":1968.04,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05079507827758789},{"word":"in","start":1968.04,"end":1968.36,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.014769865199923515},{"word":"five","start":1968.36,"end":1968.76,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.022256609052419662},{"word":"years","start":1968.76,"end":1969.26,"confidence":0.8544922,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.020980753004550937},{"word":"if","start":1970.12,"end":1970.28,"confidence":0.9301758,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01820911467075348},{"word":"you","start":1970.28,"end":1970.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009407278150320051},{"word":"leave","start":1970.52,"end":1970.76,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.0011176317930221558},{"word":"things","start":1970.76,"end":1971.24,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.004281334578990936},{"word":"currently","start":1971.24,"end":1971.74,"confidence":0.9970703,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.02847638726234436},{"word":"as","start":1972.28,"end":1972.6,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02386664971709251},{"word":"they","start":1972.6,"end":1972.76,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.007799360901117325},{"word":"are","start":1972.76,"end":1973.26,"confidence":0.9980469,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.010172889567911623},{"word":"your","start":1973.56,"end":1973.895,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.00275985524058342},{"word":"expected","start":1974.055,"end":1974.375,"confidence":0.9980469,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":-0.0014241337776184082},{"word":"balance","start":1974.375,"end":1974.775,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.020715247839689255},{"word":"is","start":1974.775,"end":1974.935,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0038504116237163544},{"word":"262","start":1974.935,"end":1976.135,"confidence":0.9958984,"punctuated_word":"262","sentiment":"neutral","sentiment_score":0.005675393156707287},{"word":"or","start":1976.295,"end":1976.4551,"confidence":0.95703125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0070272572338581085},{"word":"263,000","start":1976.4551,"end":1977.895,"confidence":0.99658203,"punctuated_word":"263,000","sentiment":"neutral","sentiment_score":0.008765584789216518},{"word":"rounded","start":1977.895,"end":1978.215,"confidence":0.9863281,"punctuated_word":"rounded","sentiment":"neutral","sentiment_score":0.019510142505168915},{"word":"up","start":1978.215,"end":1978.715,"confidence":0.9980469,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.02193211391568184},{"word":"if","start":1979.015,"end":1979.175,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.01902834326028824},{"word":"we","start":1979.175,"end":1979.335,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020373862236738205},{"word":"go","start":1979.335,"end":1979.495,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03794272243976593},{"word":"with","start":1979.495,"end":1979.655,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.019908618181943893},{"word":"the","start":1979.655,"end":1979.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028182189911603928},{"word":"recommended","start":1979.895,"end":1980.395,"confidence":1.0,"punctuated_word":"recommended,","sentiment":"neutral","sentiment_score":0.0384790301322937},{"word":"it's","start":1980.535,"end":1980.855,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.027238987386226658},{"word":"projected","start":1980.855,"end":1981.335,"confidence":1.0,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.04071770608425141},{"word":"to","start":1981.335,"end":1981.415,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027902208268642426},{"word":"be","start":1981.415,"end":1981.735,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.022885393351316452},{"word":"306,000","start":1981.735,"end":1983.515,"confidence":0.9980469,"punctuated_word":"306,000.","sentiment":"neutral","sentiment_score":0.028271373361349102},{"word":"but","start":1984.4551,"end":1984.6951,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06436242163181305},{"word":"at","start":1984.6951,"end":1984.855,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0015598833560943604},{"word":"age","start":1984.855,"end":1985.255,"confidence":0.9980469,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.02840404212474823},{"word":"65","start":1985.255,"end":1985.895,"confidence":0.998291,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":0.038099560886621475},{"word":"which","start":1985.895,"end":1986.09,"confidence":0.9970703,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.028838790953159332},{"word":"is","start":1986.09,"end":1986.33,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04992262274026871},{"word":"in","start":1986.33,"end":1986.49,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.051707737147808075},{"word":"nine","start":1986.49,"end":1986.57,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.0193435400724411},{"word":"years'","start":1986.57,"end":1987.0499,"confidence":0.7873535,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":-0.01849915087223053},{"word":"time","start":1987.0499,"end":1987.5499,"confidence":0.99853516,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.004019800573587418},{"word":"if","start":1988.09,"end":1988.33,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.045211877673864365},{"word":"we","start":1988.33,"end":1988.57,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.024149149656295776},{"word":"go","start":1988.57,"end":1988.8099,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09960442781448364},{"word":"with","start":1988.8099,"end":1989.2899,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08583256602287292},{"word":"the","start":1989.2899,"end":1989.5299,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05171354115009308},{"word":"recommended","start":1989.5299,"end":1990.0299,"confidence":0.9995117,"punctuated_word":"recommended,","sentiment":"neutral","sentiment_score":0.08073084056377411},{"word":"you're","start":1990.33,"end":1990.57,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.036495134234428406},{"word":"gonna","start":1990.57,"end":1990.97,"confidence":0.97998047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.017997339367866516},{"word":"be","start":1990.97,"end":1991.21,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08005712926387787},{"word":"approximately","start":1991.21,"end":1991.71,"confidence":0.9951172,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":-0.0018595755100250244},{"word":"$90,000","start":1992.65,"end":1993.9299,"confidence":0.99853516,"punctuated_word":"$90,000","sentiment":"neutral","sentiment_score":0.06433510780334473},{"word":"better","start":1993.9299,"end":1994.1699,"confidence":0.9951172,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.04466815292835235},{"word":"off","start":1994.1699,"end":1994.6699,"confidence":0.99121094,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.03345499187707901},{"word":"so","start":1997.61,"end":1997.85,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010909758508205414},{"word":"that's","start":1997.85,"end":1998.1699,"confidence":0.9951172,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.043325893580913544},{"word":"based","start":1998.1699,"end":1998.49,"confidence":0.9863281,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.0382641963660717},{"word":"on","start":1998.49,"end":1998.945,"confidence":0.9560547,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.055294424295425415},{"word":"historical","start":1999.1849,"end":1999.505,"confidence":0.9941406,"punctuated_word":"historical","sentiment":"neutral","sentiment_score":0.02747538685798645},{"word":"returns","start":1999.505,"end":2000.005,"confidence":0.84716797,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.0302753709256649},{"word":"but","start":2000.705,"end":2001.0249,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04229383170604706},{"word":"also","start":2001.0249,"end":2001.5249,"confidence":0.9277344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04200070351362229},{"word":"conservative","start":2002.225,"end":2002.725,"confidence":0.9951172,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":0.06398868560791016},{"word":"as","start":2003.0249,"end":2003.1849,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05682750791311264},{"word":"well","start":2003.1849,"end":2003.505,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.09423400461673737},{"word":"in","start":2003.505,"end":2003.745,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07203435897827148},{"word":"nature","start":2003.745,"end":2004.1449,"confidence":0.98535156,"punctuated_word":"nature.","sentiment":"neutral","sentiment_score":0.009336233139038086},{"word":"so","start":2004.1449,"end":2004.3049,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04365251958370209},{"word":"we're","start":2004.3049,"end":2004.465,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06981685012578964},{"word":"not","start":2004.465,"end":2004.625,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1504536271095276},{"word":"gonna","start":2004.625,"end":2005.125,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.15258823335170746},{"word":"some","start":2005.9049,"end":2006.225,"confidence":0.671875,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.2235262840986252},{"word":"may","start":2006.225,"end":2006.625,"confidence":0.8442383,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.17294785380363464},{"word":"calculate","start":2006.625,"end":2007.125,"confidence":0.89453125,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":-0.2430013418197632},{"word":"these","start":2007.1849,"end":2007.4249,"confidence":0.92333984,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.2434467226266861},{"word":"saying","start":2007.4249,"end":2007.6649,"confidence":0.9470215,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":-0.1980535387992859},{"word":"oh","start":2007.6649,"end":2007.825,"confidence":0.9941406,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.16978085041046145},{"word":"this","start":2007.825,"end":2008.065,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2136298269033432},{"word":"is","start":2008.065,"end":2008.1449,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20085541903972623},{"word":"based","start":2008.1449,"end":2008.3849,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.16309142112731934},{"word":"on","start":2008.3849,"end":2008.5449,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.17213746905326843},{"word":"a","start":2008.5449,"end":2008.705,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18313562870025635},{"word":"20%","start":2008.705,"end":2009.345,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.09027589857578278},{"word":"return","start":2009.345,"end":2009.845,"confidence":0.99560547,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.2149737179279327},{"word":"they're","start":2010.1449,"end":2010.3849,"confidence":0.9975586,"punctuated_word":"They're","sentiment":"negative","sentiment_score":-0.38522228598594666},{"word":"definitely","start":2010.3849,"end":2010.865,"confidence":1.0,"punctuated_word":"definitely","sentiment":"negative","sentiment_score":-0.34615954756736755},{"word":"not","start":2010.865,"end":2011.365,"confidence":0.99902344,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.3128814697265625},{"word":"they're","start":2011.62,"end":2012.12,"confidence":0.9926758,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.16121597588062286},{"word":"they're","start":2012.34,"end":2012.5,"confidence":0.85375977,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.11286242306232452},{"word":"based","start":2012.5,"end":2012.9,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.05518211051821709},{"word":"on","start":2012.9,"end":2013.22,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05269502103328705},{"word":"a","start":2013.22,"end":2013.38,"confidence":0.5830078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.026919234544038773},{"word":"very","start":2013.38,"end":2013.62,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.03152856230735779},{"word":"conservative","start":2013.62,"end":2014.12,"confidence":1.0,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":-0.05170321464538574},{"word":"return","start":2014.42,"end":2014.92,"confidence":0.94384766,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.030164025723934177},{"word":"the","start":2017.46,"end":2017.62,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.18558895587921145},{"word":"next","start":2017.62,"end":2017.86,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.18725864589214325},{"word":"page","start":2017.86,"end":2018.26,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.17209452390670776},{"word":"just","start":2018.26,"end":2018.42,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18179453909397125},{"word":"shows","start":2018.42,"end":2018.66,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.17287617921829224},{"word":"you","start":2018.66,"end":2018.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19443652033805847},{"word":"the","start":2018.9,"end":2019.22,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17253507673740387},{"word":"annualized","start":2019.22,"end":2019.72,"confidence":0.9975586,"punctuated_word":"annualized","sentiment":"neutral","sentiment_score":0.19976334273815155},{"word":"investment","start":2019.86,"end":2020.36,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1274874210357666},{"word":"returns","start":2020.42,"end":2020.9,"confidence":0.98535156,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.1349818855524063},{"word":"as","start":2020.9,"end":2021.14,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1502033174037933},{"word":"of","start":2021.14,"end":2021.3,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1227543130517006},{"word":"the","start":2021.3,"end":2021.46,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11997805535793304},{"word":"august","start":2021.46,"end":2022.0701,"confidence":0.99487305,"punctuated_word":"August","sentiment":"neutral","sentiment_score":0.16686350107192993},{"word":"31","start":2022.0701,"end":2022.6802,"confidence":0.99487305,"punctuated_word":"31,","sentiment":"neutral","sentiment_score":0.1373105347156525},{"word":"and","start":2022.9,"end":2023.14,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14896617829799652},{"word":"it's","start":2023.14,"end":2023.38,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13421234488487244},{"word":"just","start":2023.38,"end":2023.7,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.112068310379982},{"word":"comparing","start":2023.7,"end":2024.2,"confidence":1.0,"punctuated_word":"comparing","sentiment":"neutral","sentiment_score":0.1236741691827774},{"word":"between","start":2024.26,"end":2024.74,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.11956682801246644},{"word":"the","start":2024.74,"end":2024.98,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1265171319246292},{"word":"two","start":2024.98,"end":2025.48,"confidence":0.99902344,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.1225774884223938},{"word":"so","start":2026.18,"end":2026.34,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24397067725658417},{"word":"you'll","start":2026.34,"end":2026.695,"confidence":0.99853516,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.27439388632774353},{"word":"see","start":2026.695,"end":2027.0149,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2798292636871338},{"word":"over","start":2027.0149,"end":2027.255,"confidence":0.94189453,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3401592969894409},{"word":"the","start":2027.255,"end":2027.495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3401198983192444},{"word":"long","start":2027.495,"end":2027.815,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2877146005630493},{"word":"term","start":2027.815,"end":2028.315,"confidence":0.98657227,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.284078985452652},{"word":"hub","start":2030.1349,"end":2030.615,"confidence":0.5263672,"punctuated_word":"Hub","sentiment":"positive","sentiment_score":0.4116540849208832},{"word":"does","start":2030.615,"end":2030.9349,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.31862497329711914},{"word":"perform","start":2030.9349,"end":2031.335,"confidence":1.0,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":0.21790151298046112},{"word":"better","start":2031.335,"end":2031.735,"confidence":0.875,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.2296028733253479},{"word":"well","start":2031.735,"end":2031.8949,"confidence":0.984375,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.23583465814590457},{"word":"the","start":2031.8949,"end":2032.1349,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3325876295566559},{"word":"portfolio","start":2032.1349,"end":2032.6349,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.21582084894180295},{"word":"that","start":2032.7749,"end":2032.9349,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.326937735080719},{"word":"we've","start":2032.9349,"end":2033.1749,"confidence":0.96435547,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.3389003872871399},{"word":"created","start":2033.1749,"end":2033.6749,"confidence":1.0,"punctuated_word":"created","sentiment":"positive","sentiment_score":0.3870752453804016},{"word":"in","start":2033.735,"end":2033.975,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4335669279098511},{"word":"hub","start":2033.975,"end":2034.375,"confidence":0.9873047,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.3241231143474579},{"word":"does","start":2034.375,"end":2034.615,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.3234756886959076},{"word":"perform","start":2034.615,"end":2034.9349,"confidence":0.99902344,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":0.2708684802055359},{"word":"better","start":2034.9349,"end":2035.255,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.31109851598739624},{"word":"than","start":2035.255,"end":2035.495,"confidence":0.99609375,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.289267897605896},{"word":"q","start":2035.495,"end":2035.815,"confidence":0.7324219,"punctuated_word":"q","sentiment":"positive","sentiment_score":0.3546665906906128},{"word":"super","start":2035.815,"end":2036.315,"confidence":0.81152344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.24187913537025452},{"word":"over","start":2038.0549,"end":2038.2949,"confidence":0.9536133,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.19683837890625},{"word":"the","start":2038.2949,"end":2038.455,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1812041401863098},{"word":"longer","start":2038.455,"end":2038.7749,"confidence":0.9970703,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.1683558076620102},{"word":"term","start":2038.7749,"end":2039.16,"confidence":0.9916992,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.24404266476631165},{"word":"which","start":2039.16,"end":2039.4,"confidence":0.9941406,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.22889444231987},{"word":"is","start":2039.4,"end":2039.64,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18713754415512085},{"word":"what","start":2039.64,"end":2039.9601,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17407114803791046},{"word":"we","start":2039.9601,"end":2040.12,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1605689525604248},{"word":"wanna","start":2040.12,"end":2040.52,"confidence":0.9707031,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.21544194221496585},{"word":"see","start":2040.52,"end":2041.02,"confidence":0.9123535,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.2155427783727646},{"word":"the","start":2044.36,"end":2044.6,"confidence":0.98535156,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07783413678407669},{"word":"next","start":2044.6,"end":2045.1,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0698871985077858},{"word":"the","start":2045.24,"end":2045.48,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05396633967757225},{"word":"next","start":2045.48,"end":2045.8,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.05334416404366493},{"word":"one","start":2045.8,"end":2046.2001,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04371797665953636},{"word":"is","start":2046.2001,"end":2046.4401,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05694220960140228},{"word":"the","start":2046.4401,"end":2046.6,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04289728403091431},{"word":"recommended","start":2046.6,"end":2047.1,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.04527320712804794},{"word":"investment","start":2047.24,"end":2047.7201,"confidence":0.87524414,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.026497099548578262},{"word":"so","start":2047.7201,"end":2047.88,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02905832603573799},{"word":"it's","start":2047.88,"end":2048.04,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04207294434309006},{"word":"a","start":2048.04,"end":2048.28,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04651101306080818},{"word":"table","start":2048.28,"end":2048.76,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.04247470945119858},{"word":"of","start":2048.76,"end":2049.26,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03396424278616905},{"word":"your","start":2049.32,"end":2049.82,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04014463722705841},{"word":"superannuation","start":2050.28,"end":2050.78,"confidence":0.9951172,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.03969531133770943},{"word":"with","start":2051.24,"end":2051.48,"confidence":0.9707031,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03654060512781143},{"word":"the","start":2051.48,"end":2051.625,"confidence":0.8857422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.043446484953165054},{"word":"first","start":2051.705,"end":2051.945,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.03895636647939682},{"word":"line","start":2051.945,"end":2052.105,"confidence":0.99902344,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.05629191175103187},{"word":"being","start":2052.105,"end":2052.505,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.05953183025121689},{"word":"your","start":2052.505,"end":2052.745,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.032381147146224976},{"word":"q","start":2052.745,"end":2053.065,"confidence":0.9404297,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.019279688596725464},{"word":"super","start":2053.065,"end":2053.465,"confidence":0.9326172,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.01828083768486977},{"word":"so","start":2053.465,"end":2053.965,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01677113026380539},{"word":"you'll","start":2054.105,"end":2054.425,"confidence":0.9995117,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.007290051784366369},{"word":"see","start":2054.425,"end":2054.585,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.017344750463962555},{"word":"that","start":2054.585,"end":2054.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03978762775659561},{"word":"there's","start":2054.745,"end":2054.985,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.07013858109712601},{"word":"a","start":2054.985,"end":2055.065,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09448830038309096},{"word":"negative","start":2055.065,"end":2055.465,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.12896032631397247},{"word":"figure","start":2055.465,"end":2055.785,"confidence":0.99902344,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":-0.22665686905384064},{"word":"of","start":2055.785,"end":2055.945,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18096204102039337},{"word":"76","start":2055.945,"end":2056.825,"confidence":0.9995117,"punctuated_word":"76","sentiment":"neutral","sentiment_score":-0.16286179423332214},{"word":"odd","start":2056.825,"end":2057.145,"confidence":0.9614258,"punctuated_word":"odd","sentiment":"neutral","sentiment_score":-0.18218660354614255},{"word":"thousand","start":2057.145,"end":2057.465,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.17731331288814545},{"word":"dollars","start":2057.465,"end":2057.945,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.16323024034500122},{"word":"with","start":2057.945,"end":2058.185,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0989753156900406},{"word":"a","start":2058.185,"end":2058.345,"confidence":0.94384766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08337806165218353},{"word":"remaining","start":2058.345,"end":2058.825,"confidence":1.0,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":-0.0646451860666275},{"word":"balance","start":2058.825,"end":2059.225,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.10376416891813278},{"word":"of","start":2059.225,"end":2059.385,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06959687173366547},{"word":"10","start":2059.385,"end":2059.885,"confidence":0.9970703,"punctuated_word":"10.","sentiment":"neutral","sentiment_score":-0.05164463445544243},{"word":"that's","start":2059.945,"end":2060.185,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.11760003864765169},{"word":"what","start":2060.185,"end":2060.345,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13152213394641876},{"word":"we're","start":2060.345,"end":2060.505,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.10577376186847688},{"word":"gonna","start":2060.505,"end":2060.905,"confidence":0.9580078,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.0735398456454277},{"word":"take","start":2060.905,"end":2061.145,"confidence":0.9951172,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.09379245340824129},{"word":"out","start":2061.145,"end":2061.645,"confidence":0.767334,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.08348233997821808},{"word":"and","start":2062.265,"end":2062.425,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.053915418684482574},{"word":"then","start":2062.425,"end":2062.665,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.031978242099285126},{"word":"that's","start":2062.665,"end":2062.905,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04405025765299797},{"word":"gonna","start":2062.905,"end":2063.225,"confidence":0.96435547,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.020693404600024223},{"word":"be","start":2063.225,"end":2063.465,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.00924370065331459},{"word":"spread","start":2063.465,"end":2063.785,"confidence":0.9980469,"punctuated_word":"spread","sentiment":"neutral","sentiment_score":-0.01122935116291046},{"word":"across","start":2063.785,"end":2064.285,"confidence":0.9970703,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.003806658089160919},{"word":"your","start":2064.345,"end":2064.665,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.018994171172380447},{"word":"existing","start":2064.665,"end":2065.165,"confidence":0.9980469,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":-0.02390209585428238},{"word":"hub","start":2065.305,"end":2065.625,"confidence":0.53271484,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":-0.013677127659320831},{"word":"twenty","start":2065.625,"end":2065.945,"confidence":0.98828125,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.00728326290845871},{"word":"four","start":2065.945,"end":2066.445,"confidence":0.9892578,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.003113396465778351},{"word":"account","start":2066.6,"end":2067.1,"confidence":0.88916016,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.02506421133875847},{"word":"so","start":2067.48,"end":2067.6401,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.026773717254400253},{"word":"you'll","start":2067.6401,"end":2068.04,"confidence":0.99853516,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.024826601147651672},{"word":"also","start":2068.04,"end":2068.36,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.027063529938459396},{"word":"know","start":2068.36,"end":2068.84,"confidence":0.6154785,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.025907261297106743},{"word":"yeah","start":2068.84,"end":2069.16,"confidence":0.9946289,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.0233471617102623},{"word":"you'll","start":2069.16,"end":2069.48,"confidence":0.99902344,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.01435473933815956},{"word":"also","start":2069.48,"end":2069.8,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.01612965390086174},{"word":"know","start":2069.8,"end":2070.04,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.013483703136444092},{"word":"that","start":2070.04,"end":2070.36,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0345548614859581},{"word":"first","start":2070.36,"end":2070.68,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.03751974552869797},{"word":"one","start":2070.68,"end":2071.08,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03833329305052757},{"word":"note","start":2071.16,"end":2071.56,"confidence":0.46875,"punctuated_word":"note,","sentiment":"neutral","sentiment_score":-0.05141988396644592},{"word":"sorry","start":2071.56,"end":2071.8801,"confidence":0.9802246,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.09391927719116212},{"word":"that","start":2071.8801,"end":2072.04,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0923924595117569},{"word":"first","start":2072.04,"end":2072.28,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.0730527713894844},{"word":"one","start":2072.28,"end":2072.52,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.07658403366804123},{"word":"being","start":2072.52,"end":2072.76,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.08067776262760162},{"word":"the","start":2072.76,"end":2072.92,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08008519560098648},{"word":"panel","start":2072.92,"end":2073.24,"confidence":0.54296875,"punctuated_word":"panel","sentiment":"neutral","sentiment_score":-0.10365137457847597},{"word":"on","start":2073.24,"end":2073.56,"confidence":0.93847656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0764574408531189},{"word":"concentrated","start":2073.56,"end":2074.06,"confidence":0.98828125,"punctuated_word":"concentrated","sentiment":"neutral","sentiment_score":-0.11040554195642471},{"word":"equities","start":2074.28,"end":2074.78,"confidence":0.8137207,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":-0.10327267646789552},{"word":"with","start":2076.52,"end":2076.68,"confidence":0.82714844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12071543186903},{"word":"a","start":2076.68,"end":2076.76,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12013290077447893},{"word":"negative","start":2076.76,"end":2077.16,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.1510392427444458},{"word":"figure","start":2077.16,"end":2077.48,"confidence":0.9970703,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":-0.20747001469135284},{"word":"of","start":2077.48,"end":2077.72,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1629689782857895},{"word":"$19,679.81","start":2077.72,"end":2081.415,"confidence":0.95532227,"punctuated_word":"$19,679.81.","sentiment":"neutral","sentiment_score":-0.12092739343643188},{"word":"that's","start":2082.035,"end":2082.355,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.1793614625930786},{"word":"the","start":2082.355,"end":2082.515,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14653044939041138},{"word":"one","start":2082.515,"end":2082.835,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1953029632568359},{"word":"that","start":2082.835,"end":2082.9949,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19351857900619507},{"word":"we're","start":2082.9949,"end":2083.155,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.23454076051712036},{"word":"gonna","start":2083.155,"end":2083.4749,"confidence":0.96240234,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2221398204565048},{"word":"sell","start":2083.4749,"end":2083.7148,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.2852204740047455},{"word":"out","start":2083.7148,"end":2083.955,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.28813520073890686},{"word":"of","start":2083.955,"end":2084.115,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3164611756801605},{"word":"that","start":2084.115,"end":2084.355,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2909033000469208},{"word":"was","start":2084.355,"end":2084.675,"confidence":1.0,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.3611964583396912},{"word":"underperforming","start":2084.675,"end":2085.175,"confidence":0.9947917,"punctuated_word":"underperforming.","sentiment":"neutral","sentiment_score":-0.2852221429347992},{"word":"so","start":2086.595,"end":2087.095,"confidence":0.96533203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14216235280036926},{"word":"that","start":2088.355,"end":2088.595,"confidence":0.9316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1555581092834473},{"word":"one","start":2088.595,"end":2089.095,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.16919296979904175},{"word":"as","start":2089.4749,"end":2089.875,"confidence":0.85058594,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17334911227226257},{"word":"and","start":2091.3801,"end":2091.54,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18039023876190183},{"word":"then","start":2091.54,"end":2091.78,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.24857042729854584},{"word":"it","start":2091.78,"end":2091.94,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14988332986831665},{"word":"will","start":2091.94,"end":2092.1802,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.14216601848602295},{"word":"be","start":2092.1802,"end":2092.34,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14780406653881073},{"word":"spread","start":2092.34,"end":2092.82,"confidence":0.86376953,"punctuated_word":"spread.","sentiment":"neutral","sentiment_score":0.1720912754535675},{"word":"that","start":2092.82,"end":2093.22,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.11700551211833954},{"word":"plus","start":2093.22,"end":2093.54,"confidence":0.83984375,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.11912021040916444},{"word":"some","start":2093.54,"end":2093.78,"confidence":0.7529297,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09642031788825987},{"word":"funds","start":2093.78,"end":2094.1802,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.0811627134680748},{"word":"coming","start":2094.1802,"end":2094.58,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.15617528557777405},{"word":"from","start":2094.58,"end":2094.82,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1508602499961853},{"word":"your","start":2094.82,"end":2095.1401,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18035712838172913},{"word":"superannuation","start":2095.1401,"end":2095.6401,"confidence":0.9980469,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.1503196805715561},{"word":"in","start":2095.94,"end":2096.1,"confidence":0.77685547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15745949745178223},{"word":"q","start":2096.1,"end":2096.34,"confidence":0.8378906,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.2307850420475006},{"word":"super","start":2096.34,"end":2096.82,"confidence":0.9003906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.23506607115268707},{"word":"will","start":2096.82,"end":2096.98,"confidence":0.9941406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2373882532119751},{"word":"be","start":2096.98,"end":2097.1401,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2603181302547455},{"word":"spread","start":2097.1401,"end":2097.3801,"confidence":1.0,"punctuated_word":"spread","sentiment":"neutral","sentiment_score":0.25535959005355835},{"word":"out","start":2097.3801,"end":2097.62,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.19745083153247833},{"word":"across","start":2097.62,"end":2097.94,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.16218866407871246},{"word":"your","start":2097.94,"end":2098.1802,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1758822500705719},{"word":"new","start":2098.1802,"end":2098.5,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.11334864050149918},{"word":"portfolio","start":2098.5,"end":2099.0,"confidence":0.9995117,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.03869212046265602},{"word":"the","start":2099.94,"end":2100.1802,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.09307846426963806},{"word":"other","start":2100.1802,"end":2100.34,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.1058894544839859},{"word":"ones","start":2100.34,"end":2100.74,"confidence":0.99902344,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.12543360888957977},{"word":"that","start":2100.74,"end":2101.24,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17572888731956482},{"word":"are","start":2101.46,"end":2101.62,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2335852086544037},{"word":"negative","start":2101.62,"end":2102.12,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.25595688819885254},{"word":"showing","start":2102.1802,"end":2102.58,"confidence":0.9902344,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":-0.235882967710495},{"word":"in","start":2102.58,"end":2102.82,"confidence":0.94970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.23512446880340576},{"word":"red","start":2102.82,"end":2103.3,"confidence":0.99316406,"punctuated_word":"red,","sentiment":"neutral","sentiment_score":-0.25721704959869385},{"word":"we're","start":2103.3,"end":2103.585,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.3073791265487671},{"word":"selling","start":2103.665,"end":2103.9849,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.22013917565345764},{"word":"out","start":2103.9849,"end":2104.065,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.22324338555336},{"word":"of","start":2104.065,"end":2104.305,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23383870720863345},{"word":"those","start":2104.305,"end":2104.625,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.21076388657093048},{"word":"investments","start":2104.625,"end":2105.125,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.1349455565214157},{"word":"to","start":2105.825,"end":2105.9849,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15523186326026917},{"word":"take","start":2105.9849,"end":2106.4648,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.13177500665187836},{"word":"a","start":2106.4648,"end":2106.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04615925252437592},{"word":"to","start":2107.665,"end":2107.905,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09118642657995224},{"word":"invest","start":2107.905,"end":2108.405,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":-0.05044505000114441},{"word":"differently","start":2108.4648,"end":2108.9648,"confidence":1.0,"punctuated_word":"differently","sentiment":"neutral","sentiment_score":-0.05551642179489136},{"word":"in","start":2109.265,"end":2109.765,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04355945438146591},{"word":"some","start":2110.145,"end":2110.545,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.061533123254776},{"word":"alternative","start":2110.545,"end":2111.045,"confidence":0.99902344,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.053754083812236786},{"word":"funds","start":2111.265,"end":2111.765,"confidence":0.9980469,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.011810310184955595},{"word":"so","start":2115.105,"end":2115.425,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06655748188495636},{"word":"any","start":2115.425,"end":2115.665,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10509391874074936},{"word":"questions","start":2115.665,"end":2116.145,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07983171939849854},{"word":"there","start":2116.145,"end":2116.44,"confidence":0.99365234,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.06869415193796158},{"word":"okay","start":2120.3599,"end":2120.8599,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04085284471511841},{"word":"and","start":2122.5999,"end":2122.92,"confidence":0.70703125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02256663143634796},{"word":"sorry","start":2122.92,"end":2123.24,"confidence":0.74609375,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.011260022409260271},{"word":"that","start":2123.24,"end":2123.4,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.015668101608753204},{"word":"table","start":2123.4,"end":2123.8,"confidence":0.99902344,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.011133411899209024},{"word":"continues","start":2123.8,"end":2124.28,"confidence":1.0,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":0.0057421280071139336},{"word":"below","start":2124.28,"end":2124.78,"confidence":0.96191406,"punctuated_word":"below.","sentiment":"neutral","sentiment_score":0.009064551442861555},{"word":"so","start":2125.72,"end":2125.88,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03096768818795681},{"word":"you'll","start":2125.88,"end":2126.1199,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.04681001231074333},{"word":"see","start":2126.1199,"end":2126.3599,"confidence":0.9921875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04649067297577858},{"word":"that","start":2126.3599,"end":2126.52,"confidence":0.49853516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04353379085659981},{"word":"so","start":2126.8398,"end":2127.0798,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03427809104323387},{"word":"that","start":2127.0798,"end":2127.4,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05036941170692444},{"word":"beta","start":2127.4,"end":2127.72,"confidence":0.7836914,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.031170926988124847},{"word":"shares","start":2127.72,"end":2128.1199,"confidence":0.9277344,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.01882443018257618},{"word":"200","start":2128.1199,"end":2128.78,"confidence":0.99902344,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.039118435233831406},{"word":"is","start":2128.8398,"end":2129.0,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03898153081536293},{"word":"actually","start":2129.0,"end":2129.3198,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.04682255536317825},{"word":"what","start":2129.3198,"end":2129.56,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02446797303855419},{"word":"we're","start":2129.56,"end":2129.8,"confidence":0.99609375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03238122910261154},{"word":"replacing","start":2129.8,"end":2130.285,"confidence":0.99316406,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":0.02412118762731552},{"word":"the","start":2130.285,"end":2130.4448,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026784829795360565},{"word":"benelong","start":2130.4448,"end":2130.565,"confidence":0.72347003,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":0.01909532770514488},{"word":"one","start":2130.565,"end":2130.6848,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.030201410874724388},{"word":"with","start":2130.6848,"end":2131.1848,"confidence":0.9785156,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.033611323684453964},{"word":"yep","start":2135.405,"end":2135.905,"confidence":0.8886719,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1745174378156662},{"word":"okay","start":2136.285,"end":2136.785,"confidence":0.7729492,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.5156992673873901},{"word":"the","start":2139.805,"end":2139.9648,"confidence":0.90722656,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.3900853395462036},{"word":"next","start":2139.9648,"end":2140.285,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2573125958442688},{"word":"section","start":2140.285,"end":2140.785,"confidence":1.0,"punctuated_word":"section","sentiment":"positive","sentiment_score":0.3780340850353241},{"word":"is","start":2140.9248,"end":2141.2449,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.277765691280365},{"word":"your","start":2141.2449,"end":2141.7249,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.33789682388305664},{"word":"asset","start":2141.7249,"end":2142.125,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.25290507078170776},{"word":"allocation","start":2142.125,"end":2142.625,"confidence":0.8955078,"punctuated_word":"allocation.","sentiment":"neutral","sentiment_score":0.1401205211877823},{"word":"so","start":2143.005,"end":2143.2449,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1769794523715973},{"word":"being","start":2143.2449,"end":2143.4849,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.2592697739601135},{"word":"a","start":2143.4849,"end":2143.645,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21288567781448364},{"word":"growth","start":2143.645,"end":2143.9648,"confidence":0.96777344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3628731071949005},{"word":"investor","start":2143.9648,"end":2144.4648,"confidence":0.9758301,"punctuated_word":"investor,","sentiment":"neutral","sentiment_score":0.26971960067749023},{"word":"which","start":2144.605,"end":2144.94,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.28869614005088806},{"word":"we've","start":2145.5,"end":2145.74,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.3389776647090912},{"word":"just","start":2145.74,"end":2146.06,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3653118312358856},{"word":"confirmed","start":2146.06,"end":2146.46,"confidence":1.0,"punctuated_word":"confirmed","sentiment":"positive","sentiment_score":0.4400192201137543},{"word":"you're","start":2146.46,"end":2146.7,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4056030213832855},{"word":"happy","start":2146.7,"end":2147.0999,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4142656922340393},{"word":"with","start":2147.0999,"end":2147.5999,"confidence":0.91625977,"punctuated_word":"with,","sentiment":"positive","sentiment_score":0.3503182828426361},{"word":"this","start":2149.8198,"end":2149.98,"confidence":0.92089844,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.31379464268684387},{"word":"is","start":2149.98,"end":2150.14,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28157180547714233},{"word":"how","start":2150.14,"end":2150.46,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.25313058495521545},{"word":"your","start":2150.46,"end":2150.7,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28788137435913086},{"word":"funds","start":2150.7,"end":2151.02,"confidence":0.99609375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.27583757042884827},{"word":"are","start":2151.02,"end":2151.26,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2222389578819275},{"word":"spread","start":2151.26,"end":2151.76,"confidence":0.9975586,"punctuated_word":"spread.","sentiment":"neutral","sentiment_score":0.24105407297611237},{"word":"so","start":2151.8198,"end":2152.06,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09980079531669615},{"word":"you'll","start":2152.06,"end":2152.38,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1086198091506958},{"word":"see","start":2152.38,"end":2152.78,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08879276365041733},{"word":"in","start":2152.78,"end":2152.94,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09379579871892928},{"word":"the","start":2152.94,"end":2153.18,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09905293583869934},{"word":"proposed","start":2153.18,"end":2153.68,"confidence":0.9980469,"punctuated_word":"proposed","sentiment":"neutral","sentiment_score":0.054031502455472946},{"word":"column","start":2153.8198,"end":2154.3198,"confidence":0.9970703,"punctuated_word":"column","sentiment":"neutral","sentiment_score":0.07368946075439453},{"word":"and","start":2155.18,"end":2155.3398,"confidence":0.8964844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0739557221531868},{"word":"the","start":2155.3398,"end":2155.5798,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07113520801067352},{"word":"existing","start":2155.5798,"end":2156.06,"confidence":0.8967285,"punctuated_word":"existing,","sentiment":"neutral","sentiment_score":0.06787088513374329},{"word":"so","start":2156.06,"end":2156.22,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09784957766532898},{"word":"they're","start":2156.22,"end":2156.46,"confidence":0.97509766,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.07543405890464783},{"word":"the","start":2156.46,"end":2156.6199,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09443480521440506},{"word":"two","start":2156.6199,"end":2156.8599,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08029449731111526},{"word":"middle","start":2156.8599,"end":2157.0999,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.06356654316186905},{"word":"ones","start":2157.0999,"end":2157.5999,"confidence":0.81347656,"punctuated_word":"ones,","sentiment":"neutral","sentiment_score":0.06404361873865128},{"word":"your","start":2158.6199,"end":2158.935,"confidence":0.90527344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.028714660555124283},{"word":"current","start":2159.095,"end":2159.415,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.005281466990709305},{"word":"allocation","start":2159.415,"end":2159.915,"confidence":0.99609375,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.036439623683691025},{"word":"to","start":2160.135,"end":2160.375,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03241324424743652},{"word":"australian","start":2160.375,"end":2160.7751,"confidence":0.98291016,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.036674946546554565},{"word":"equities","start":2160.7751,"end":2161.2551,"confidence":0.7980957,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.02297072485089302},{"word":"is","start":2161.2551,"end":2161.495,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03647267818450928},{"word":"approximately","start":2161.495,"end":2161.995,"confidence":1.0,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":0.027740593999624252},{"word":"23%","start":2162.215,"end":2163.2751,"confidence":0.99820966,"punctuated_word":"23%.","sentiment":"neutral","sentiment_score":0.04105415940284729},{"word":"we're","start":2163.495,"end":2163.735,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.04988488554954529},{"word":"gonna","start":2163.735,"end":2164.0552,"confidence":0.92578125,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06247032433748245},{"word":"reduce","start":2164.0552,"end":2164.375,"confidence":0.99902344,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.0505000501871109},{"word":"that","start":2164.375,"end":2164.615,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04196728393435478},{"word":"a","start":2164.615,"end":2164.695,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03788450360298157},{"word":"little","start":2164.695,"end":2164.935,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.010563619434833528},{"word":"bit","start":2164.935,"end":2165.095,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0015330538153648376},{"word":"down","start":2165.095,"end":2165.335,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.015527445822954178},{"word":"to","start":2165.335,"end":2165.575,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023440919816493988},{"word":"20%","start":2165.575,"end":2166.475,"confidence":1.0,"punctuated_word":"20%.","sentiment":"neutral","sentiment_score":0.03749646991491318},{"word":"international","start":2167.335,"end":2167.835,"confidence":0.88427734,"punctuated_word":"International","sentiment":"neutral","sentiment_score":-0.014760669320821762},{"word":"equities","start":2168.2952,"end":2168.7952,"confidence":0.9873047,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":-0.003984944429248571},{"word":"you're","start":2169.415,"end":2169.895,"confidence":0.98999023,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.007898046635091305},{"word":"currently","start":2169.895,"end":2170.395,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.03117627650499344},{"word":"exposed","start":2170.7751,"end":2171.2551,"confidence":0.99902344,"punctuated_word":"exposed","sentiment":"neutral","sentiment_score":-0.016665317118167877},{"word":"to","start":2171.2551,"end":2171.415,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0028456486761569977},{"word":"about","start":2171.415,"end":2171.815,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.007472872734069824},{"word":"42%","start":2171.815,"end":2172.875,"confidence":0.9930827,"punctuated_word":"42%.","sentiment":"neutral","sentiment_score":0.0021401583217084408},{"word":"we're","start":2172.935,"end":2173.175,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.03497346118092537},{"word":"gonna","start":2173.175,"end":2173.495,"confidence":0.86865234,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0691681057214737},{"word":"increase","start":2173.495,"end":2173.995,"confidence":0.9970703,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.06785494834184647},{"word":"that","start":2174.09,"end":2174.25,"confidence":0.6875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04740380495786667},{"word":"to","start":2174.25,"end":2174.41,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.053911641240119934},{"word":"about","start":2174.41,"end":2174.91,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0355561226606369},{"word":"54%","start":2174.97,"end":2176.27,"confidence":0.98706055,"punctuated_word":"54%.","sentiment":"neutral","sentiment_score":0.04392889142036438},{"word":"and","start":2178.25,"end":2178.49,"confidence":0.8886719,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03291301056742668},{"word":"that","start":2178.49,"end":2178.73,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0458262600004673},{"word":"just","start":2178.73,"end":2179.05,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04258505254983902},{"word":"shows","start":2179.05,"end":2179.45,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.03334964066743851},{"word":"you","start":2179.45,"end":2179.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050299569964408875},{"word":"the","start":2180.17,"end":2180.41,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0256129652261734},{"word":"difference","start":2180.41,"end":2180.91,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.005877606570720673},{"word":"in","start":2181.1301,"end":2181.6301,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02113521471619606},{"word":"your","start":2182.01,"end":2182.33,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.017573904246091843},{"word":"port","start":2182.33,"end":2182.83,"confidence":0.9614258,"punctuated_word":"port","sentiment":"neutral","sentiment_score":0.011253684759140016},{"word":"your","start":2183.05,"end":2183.55,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.008500203490257263},{"word":"the","start":2184.09,"end":2184.49,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0017828047275543213},{"word":"the","start":2184.49,"end":2184.73,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004993416368961334},{"word":"underlying","start":2184.73,"end":2185.23,"confidence":0.99902344,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":0.01881149224936962},{"word":"sectors","start":2185.37,"end":2185.87,"confidence":0.82250977,"punctuated_word":"sectors.","sentiment":"neutral","sentiment_score":0.010261015966534616},{"word":"but","start":2186.09,"end":2186.25,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.007680268958210945},{"word":"then","start":2186.25,"end":2186.49,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.010181397199630736},{"word":"if","start":2186.49,"end":2186.57,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.009460419416427612},{"word":"you","start":2186.57,"end":2186.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005312379449605942},{"word":"see","start":2186.885,"end":2187.045,"confidence":0.99121094,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02322320081293583},{"word":"the","start":2187.045,"end":2187.285,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01827802136540413},{"word":"growth","start":2187.285,"end":2187.785,"confidence":0.96875,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.027850637212395668},{"word":"you","start":2187.845,"end":2188.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027004659175872803},{"word":"have","start":2188.085,"end":2188.325,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02374361082911491},{"word":"about","start":2188.325,"end":2188.645,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.015158116817474363},{"word":"80","start":2188.645,"end":2188.9648,"confidence":0.9941406,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.037572428584098816},{"word":"let's","start":2189.285,"end":2189.785,"confidence":0.9970703,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.04470270499587059},{"word":"round","start":2189.845,"end":2190.005,"confidence":0.9536133,"punctuated_word":"round","sentiment":"neutral","sentiment_score":0.05336479097604752},{"word":"it","start":2190.005,"end":2190.165,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05643395707011223},{"word":"up","start":2190.165,"end":2190.405,"confidence":0.78149414,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.04870343953371048},{"word":"85%","start":2190.405,"end":2191.4648,"confidence":0.99902344,"punctuated_word":"85%","sentiment":"neutral","sentiment_score":0.049519240856170654},{"word":"invested","start":2191.525,"end":2192.005,"confidence":0.99902344,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.0170859694480896},{"word":"in","start":2192.005,"end":2192.2449,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05168181657791138},{"word":"growth","start":2192.2449,"end":2192.565,"confidence":0.625,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.029560409486293793},{"word":"assets","start":2192.565,"end":2193.065,"confidence":0.95947266,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.03185416758060455},{"word":"so","start":2193.845,"end":2194.085,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009575620293617249},{"word":"instead","start":2194.085,"end":2194.405,"confidence":0.99902344,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.0034587495028972626},{"word":"of","start":2194.405,"end":2194.565,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0006700009107589722},{"word":"80","start":2194.565,"end":2194.9648,"confidence":0.99853516,"punctuated_word":"80,","sentiment":"neutral","sentiment_score":-0.005788777023553848},{"word":"it's","start":2194.9648,"end":2195.2048,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.00587313761934638},{"word":"sitting","start":2195.2048,"end":2195.4448,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.00020097941160202024},{"word":"at","start":2195.4448,"end":2195.605,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004750784486532211},{"word":"about","start":2195.605,"end":2196.005,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.006910689175128937},{"word":"85","start":2196.005,"end":2196.645,"confidence":0.9975586,"punctuated_word":"85","sentiment":"neutral","sentiment_score":-0.006473146378993988},{"word":"due","start":2196.645,"end":2196.885,"confidence":0.9873047,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.009275641292333605},{"word":"to","start":2196.885,"end":2196.9648,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0018260926008224487},{"word":"market","start":2196.9648,"end":2197.365,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.05318249762058258},{"word":"conditions","start":2197.365,"end":2197.845,"confidence":0.9970703,"punctuated_word":"conditions","sentiment":"neutral","sentiment_score":-0.0319363996386528},{"word":"at","start":2197.845,"end":2198.005,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.028947114944458008},{"word":"the","start":2198.005,"end":2198.085,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0065665170550346375},{"word":"moment","start":2198.085,"end":2198.4849,"confidence":0.99658203,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.014850111678242683},{"word":"so","start":2198.4849,"end":2198.645,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.020796630531549457},{"word":"those","start":2198.645,"end":2198.665,"confidence":0.9951172,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.007440514862537384},{"word":"figures","start":2198.665,"end":2198.685,"confidence":0.99609375,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":-0.00013779103755950928},{"word":"will","start":2198.685,"end":2198.705,"confidence":0.9863281,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.008537597954273224},{"word":"always","start":2198.705,"end":2198.725,"confidence":0.9970703,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.0036518052220344543},{"word":"change","start":2198.725,"end":2198.7449,"confidence":0.98535156,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.00001562759280204773},{"word":"and","start":2198.7449,"end":2198.765,"confidence":0.7973633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.016601387411355972},{"word":"fluctuate","start":2198.765,"end":2198.785,"confidence":0.7714844,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":0.004241112619638443},{"word":"up","start":2198.785,"end":2198.805,"confidence":0.8388672,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0024267658591270447},{"word":"and","start":2198.805,"end":2198.825,"confidence":0.85595703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014542929828166962},{"word":"down","start":2198.825,"end":2198.845,"confidence":0.50341797,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.000793851912021637},{"word":"depending","start":2198.845,"end":2198.865,"confidence":0.6123047,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.01936589553952217},{"word":"on","start":2198.865,"end":2198.8848,"confidence":0.7998047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01274177059531212},{"word":"how","start":2198.8848,"end":2198.9048,"confidence":0.8613281,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0243598073720932},{"word":"the","start":2198.9048,"end":2198.9248,"confidence":0.8925781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02486559748649597},{"word":"market's","start":2198.9248,"end":2198.9448,"confidence":0.9157715,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.019112013280391693},{"word":"trading","start":2198.9448,"end":2198.9648,"confidence":0.9187012,"punctuated_word":"trading.","sentiment":"neutral","sentiment_score":-0.01103103719651699},{"word":"okay","start":2198.9648,"end":2199.125,"confidence":0.63708496,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05126827582716942},{"word":"so","start":2199.125,"end":2199.625,"confidence":0.22937012,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05215966701507568},{"word":"retirement","start":2212.7002,"end":2213.2002,"confidence":0.93847656,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.05298865586519241},{"word":"income","start":2213.34,"end":2213.82,"confidence":0.98291016,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.059060897678136826},{"word":"calculation","start":2213.82,"end":2214.32,"confidence":0.96972656,"punctuated_word":"calculation.","sentiment":"neutral","sentiment_score":-0.04216209799051285},{"word":"so","start":2214.645,"end":2214.885,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02919795364141464},{"word":"this","start":2214.885,"end":2214.965,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.015924908220767975},{"word":"is","start":2214.965,"end":2215.205,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0014516599476337433},{"word":"based","start":2215.205,"end":2215.5251,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.009156784042716026},{"word":"on","start":2215.5251,"end":2215.685,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.027123525738716125},{"word":"your","start":2215.685,"end":2216.085,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03979266807436943},{"word":"information","start":2216.085,"end":2216.585,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.029694274067878723},{"word":"today","start":2216.885,"end":2217.385,"confidence":0.9748535,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.006349446251988411},{"word":"so","start":2218.405,"end":2218.485,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006892740726470947},{"word":"it's","start":2218.485,"end":2218.565,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.017117537558078766},{"word":"a","start":2218.565,"end":2218.645,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010160615667700768},{"word":"very","start":2218.645,"end":2219.145,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.032065171748399734},{"word":"small","start":2219.605,"end":2220.085,"confidence":0.99902344,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.006469357758760452},{"word":"table","start":2220.085,"end":2220.585,"confidence":0.89404297,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":-0.01659298501908779},{"word":"so","start":2221.125,"end":2221.285,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.009195581078529358},{"word":"i'm","start":2221.285,"end":2221.445,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0030947974883019924},{"word":"just","start":2221.445,"end":2221.605,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.006659768521785736},{"word":"gonna","start":2221.605,"end":2222.0051,"confidence":0.9819336,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.013461798429489136},{"word":"zoom","start":2222.0051,"end":2222.325,"confidence":0.9941406,"punctuated_word":"zoom","sentiment":"neutral","sentiment_score":0.014878356829285622},{"word":"in","start":2222.325,"end":2222.825,"confidence":0.9995117,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.00997737143188715},{"word":"so","start":2224.085,"end":2224.585,"confidence":0.9448242,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0019935332238674164},{"word":"this","start":2225.5251,"end":2226.0251,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.003478873521089554},{"word":"this","start":2226.965,"end":2227.045,"confidence":0.5917969,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.004987269639968872},{"word":"is","start":2227.045,"end":2227.285,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0035720504820346832},{"word":"indicative","start":2227.285,"end":2227.785,"confidence":0.9970703,"punctuated_word":"indicative","sentiment":"neutral","sentiment_score":-0.00023129582405090332},{"word":"of","start":2227.925,"end":2228.245,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003517821431159973},{"word":"adviser","start":2228.245,"end":2228.725,"confidence":0.9580078,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":-0.0004279688000679016},{"word":"fees","start":2228.725,"end":2229.225,"confidence":0.97998047,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.01966264098882675},{"word":"and","start":2230.44,"end":2230.94,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009525116533041},{"word":"a","start":2233.24,"end":2233.4,"confidence":0.63720703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0173452440649271},{"word":"consideration","start":2233.4,"end":2233.9,"confidence":1.0,"punctuated_word":"consideration","sentiment":"neutral","sentiment_score":0.022352322936058044},{"word":"has","start":2234.3599,"end":2234.6,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.01208016648888588},{"word":"been","start":2234.6,"end":2234.76,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.019820217043161392},{"word":"made","start":2234.76,"end":2235.08,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.02018585428595543},{"word":"for","start":2235.08,"end":2235.58,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01952098309993744},{"word":"platform","start":2235.64,"end":2236.14,"confidence":0.9980469,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.016672715544700623},{"word":"costs","start":2236.3599,"end":2236.6,"confidence":0.7729492,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.030909214168787003},{"word":"and","start":2236.6,"end":2236.84,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015779800713062286},{"word":"investment","start":2236.84,"end":2237.34,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.019863177090883255},{"word":"fees","start":2237.48,"end":2237.98,"confidence":0.99316406,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.01414937898516655},{"word":"so","start":2239.16,"end":2239.32,"confidence":0.92578125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018922537565231323},{"word":"this","start":2239.32,"end":2239.72,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.016505122184753418},{"word":"shows","start":2239.72,"end":2240.04,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.017305787652730942},{"word":"you","start":2240.04,"end":2240.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021237485110759735},{"word":"the","start":2241.0,"end":2241.4,"confidence":0.81933594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007672172039747238},{"word":"age","start":2241.4,"end":2241.72,"confidence":0.8959961,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.008902691304683685},{"word":"pension","start":2241.72,"end":2242.22,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.008809853345155716},{"word":"is","start":2242.3599,"end":2242.6,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010580465197563171},{"word":"the","start":2242.6,"end":2242.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012004371732473372},{"word":"blue","start":2242.76,"end":2243.26,"confidence":1.0,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.018785152584314343},{"word":"part","start":2243.4,"end":2243.9,"confidence":0.99609375,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.014797382056713104},{"word":"of","start":2245.0,"end":2245.275,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02608342282474041},{"word":"the","start":2245.4348,"end":2245.6748,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02691466361284256},{"word":"graph","start":2245.6748,"end":2246.1748,"confidence":0.92578125,"punctuated_word":"graph,","sentiment":"neutral","sentiment_score":0.024951983243227005},{"word":"and","start":2246.4749,"end":2246.7148,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02563343197107315},{"word":"the","start":2246.7148,"end":2246.9548,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025976045057177544},{"word":"green","start":2246.9548,"end":2247.4548,"confidence":1.0,"punctuated_word":"green","sentiment":"neutral","sentiment_score":0.026473334059119225},{"word":"is","start":2248.2349,"end":2248.4749,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.018777310848236084},{"word":"the","start":2248.4749,"end":2248.9548,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019659828394651413},{"word":"is","start":2249.1948,"end":2249.4348,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.017616931349039078},{"word":"your","start":2249.4348,"end":2249.755,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01837310567498207},{"word":"superannuation","start":2249.755,"end":2250.255,"confidence":1.0,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.018073413521051407},{"word":"so","start":2251.355,"end":2251.755,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013252586126327516},{"word":"based","start":2251.755,"end":2251.9949,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.008131397888064384},{"word":"on","start":2251.9949,"end":2252.2349,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.019502101466059685},{"word":"today's","start":2252.2349,"end":2252.7349,"confidence":1.0,"punctuated_word":"today's","sentiment":"neutral","sentiment_score":0.016281235963106155},{"word":"situation","start":2252.795,"end":2253.295,"confidence":0.99902344,"punctuated_word":"situation,","sentiment":"neutral","sentiment_score":0.022722743451595303},{"word":"your","start":2253.595,"end":2253.9949,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022223997861146927},{"word":"superannuation","start":2253.9949,"end":2254.4949,"confidence":1.0,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.03225387632846832},{"word":"at","start":2255.035,"end":2255.275,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02027047425508499},{"word":"$1,000","start":2255.275,"end":2256.395,"confidence":1.0,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":0.053007934242486954},{"word":"a","start":2256.395,"end":2256.4749,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028335418552160263},{"word":"week","start":2256.4749,"end":2256.875,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.023602548986673355},{"word":"or","start":2256.875,"end":2257.1948,"confidence":0.85839844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.027820289134979248},{"word":"2,000","start":2257.1948,"end":2257.9348,"confidence":0.9995117,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":0.031154152005910873},{"word":"is","start":2258.1548,"end":2258.395,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.025975439697504044},{"word":"your","start":2258.395,"end":2258.895,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02182791754603386},{"word":"target","start":2259.355,"end":2259.855,"confidence":0.69677734,"punctuated_word":"target,","sentiment":"neutral","sentiment_score":0.021343005821108815},{"word":"and","start":2260.6199,"end":2260.8599,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0039933547377586365},{"word":"this","start":2260.8599,"end":2260.94,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.007876157760620117},{"word":"is","start":2260.94,"end":2261.0198,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006836235523223877},{"word":"a","start":2261.0198,"end":2261.2598,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004995284602046013},{"word":"very","start":2261.2598,"end":2261.5,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.007797349244356155},{"word":"basic","start":2261.5,"end":2261.8198,"confidence":1.0,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.0015751011669635773},{"word":"one","start":2261.8198,"end":2261.98,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01772594079375267},{"word":"because","start":2261.98,"end":2262.22,"confidence":0.8881836,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.01392938196659088},{"word":"we're","start":2262.22,"end":2262.46,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.007315310649573803},{"word":"not","start":2262.46,"end":2262.6199,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.020909249782562256},{"word":"looking","start":2262.6199,"end":2262.94,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.012664802372455595},{"word":"at","start":2262.94,"end":2263.0999,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06557673215866089},{"word":"retirement","start":2263.0999,"end":2263.5999,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.06397247314453125},{"word":"at","start":2263.74,"end":2263.9,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08006647229194641},{"word":"the","start":2263.9,"end":2264.0598,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06520704925060272},{"word":"moment","start":2264.0598,"end":2264.5398,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.07367250323295593},{"word":"specifically","start":2264.5398,"end":2265.0398,"confidence":0.6833496,"punctuated_word":"specifically.","sentiment":"neutral","sentiment_score":-0.038232192397117615},{"word":"but","start":2265.18,"end":2265.42,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.009128395467996596},{"word":"to","start":2265.42,"end":2265.5,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015985265374183655},{"word":"give","start":2265.5,"end":2265.74,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.023078083992004395},{"word":"you","start":2265.74,"end":2265.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033648695796728134},{"word":"some","start":2265.9,"end":2266.22,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.015427067875862122},{"word":"insight","start":2266.22,"end":2266.72,"confidence":0.9760742,"punctuated_word":"insight,","sentiment":"neutral","sentiment_score":0.026610979810357097},{"word":"your","start":2267.5798,"end":2267.9,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.045584965497255325},{"word":"superannuation","start":2267.9,"end":2268.4,"confidence":0.9433594,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.05648162588477135},{"word":"balance","start":2268.94,"end":2269.44,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.05702453479170799},{"word":"on","start":2269.8198,"end":2270.0598,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05545169860124588},{"word":"$2,000","start":2270.0598,"end":2271.0198,"confidence":0.9995117,"punctuated_word":"$2,000","sentiment":"neutral","sentiment_score":0.06395144015550613},{"word":"a","start":2271.0198,"end":2271.0999,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06751670688390732},{"word":"fortnight","start":2271.0999,"end":2271.5999,"confidence":1.0,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.04323766753077507},{"word":"is","start":2271.74,"end":2271.9,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03538881614804268},{"word":"gonna","start":2271.9,"end":2272.2998,"confidence":0.9633789,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.050325341522693634},{"word":"take","start":2272.2998,"end":2272.5398,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.069867342710495},{"word":"you","start":2272.5398,"end":2272.8599,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06783893704414368},{"word":"to","start":2272.8599,"end":2273.0999,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03453294187784195},{"word":"age","start":2273.0999,"end":2273.5798,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.03546909987926483},{"word":"91","start":2273.5798,"end":2274.48,"confidence":0.9260254,"punctuated_word":"91,","sentiment":"neutral","sentiment_score":0.02809007093310356},{"word":"and","start":2275.8198,"end":2276.0598,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02447069063782692},{"word":"that's","start":2276.0598,"end":2276.355,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.02043374441564083},{"word":"with","start":2276.435,"end":2276.675,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.026843007653951645},{"word":"a","start":2276.675,"end":2276.835,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02055388130247593},{"word":"retirement","start":2276.835,"end":2277.335,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.008791010826826096},{"word":"date","start":2277.475,"end":2277.795,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.028836611658334732},{"word":"of","start":2277.795,"end":2278.115,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012441422790288923},{"word":"65","start":2278.115,"end":2278.915,"confidence":0.99401855,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.015159687027335169},{"word":"so","start":2278.915,"end":2279.155,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011117849498987198},{"word":"this","start":2279.155,"end":2279.395,"confidence":0.9838867,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.004528544843196869},{"word":"starts","start":2279.395,"end":2279.715,"confidence":0.9941406,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":0.009774092584848404},{"word":"at","start":2279.715,"end":2279.955,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04893167316913605},{"word":"65","start":2279.955,"end":2280.855,"confidence":0.9992676,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.05729862302541733},{"word":"so","start":2281.395,"end":2281.635,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17331455647945404},{"word":"you'll","start":2281.635,"end":2281.875,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.21811911463737488},{"word":"see","start":2281.875,"end":2282.375,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.18444877862930295},{"word":"that","start":2282.435,"end":2282.915,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2259664237499237},{"word":"at","start":2282.915,"end":2283.155,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.25986015796661377},{"word":"67","start":2283.155,"end":2283.975,"confidence":0.9975586,"punctuated_word":"67,","sentiment":"neutral","sentiment_score":0.21787160634994507},{"word":"the","start":2284.595,"end":2284.9949,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2403491735458374},{"word":"age","start":2284.9949,"end":2285.315,"confidence":0.9248047,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.14727163314819336},{"word":"pension","start":2285.315,"end":2285.795,"confidence":0.9951172,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.17366500198841095},{"word":"kicks","start":2285.795,"end":2286.035,"confidence":0.9980469,"punctuated_word":"kicks","sentiment":"neutral","sentiment_score":0.330822229385376},{"word":"in","start":2286.035,"end":2286.535,"confidence":0.95825195,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.3135969638824463},{"word":"and","start":2287.075,"end":2287.315,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2426394820213318},{"word":"you","start":2287.315,"end":2287.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28948408365249634},{"word":"don't","start":2287.475,"end":2287.715,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.2408607006072998},{"word":"need","start":2287.715,"end":2287.955,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.2492561042308807},{"word":"to","start":2287.955,"end":2288.195,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2695889174938202},{"word":"draw","start":2288.195,"end":2288.515,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.18755170702934265},{"word":"as","start":2288.515,"end":2288.675,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2239003479480743},{"word":"much","start":2288.675,"end":2288.94,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.22323250770568848},{"word":"from","start":2289.02,"end":2289.3398,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.22112049162387848},{"word":"super","start":2289.3398,"end":2289.8198,"confidence":0.9951172,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2387160062789917},{"word":"to","start":2289.8198,"end":2290.06,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29626190662384033},{"word":"supplement","start":2290.06,"end":2290.56,"confidence":1.0,"punctuated_word":"supplement","sentiment":"neutral","sentiment_score":0.25396111607551575},{"word":"that","start":2290.6199,"end":2290.94,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36419498920440674},{"word":"difference","start":2290.94,"end":2291.3398,"confidence":0.96240234,"punctuated_word":"difference,","sentiment":"neutral","sentiment_score":0.3311237096786499},{"word":"which","start":2291.3398,"end":2291.5,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.34092122316360474},{"word":"is","start":2291.5,"end":2291.66,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2640514671802521},{"word":"why","start":2291.66,"end":2291.9,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.2709103226661682},{"word":"your","start":2291.9,"end":2292.14,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3782398104667664},{"word":"superannuation","start":2292.14,"end":2292.64,"confidence":0.9973958,"punctuated_word":"superannuation","sentiment":"positive","sentiment_score":0.38902369141578674},{"word":"lasts","start":2293.5798,"end":2293.98,"confidence":0.9941406,"punctuated_word":"lasts","sentiment":"neutral","sentiment_score":0.27910685539245605},{"word":"longer","start":2293.98,"end":2294.48,"confidence":1.0,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":0.1905345469713211},{"word":"so","start":2294.94,"end":2295.26,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1924011707305908},{"word":"once","start":2295.26,"end":2295.5798,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2258216291666031},{"word":"we've","start":2295.5798,"end":2295.9,"confidence":0.9758301,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.4274606704711914},{"word":"paid","start":2295.9,"end":2296.14,"confidence":1.0,"punctuated_word":"paid","sentiment":"positive","sentiment_score":0.4584103226661682},{"word":"off","start":2296.14,"end":2296.46,"confidence":0.9863281,"punctuated_word":"off","sentiment":"positive","sentiment_score":0.4723297655582428},{"word":"that","start":2296.46,"end":2296.78,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5333341360092163},{"word":"debt","start":2296.78,"end":2297.28,"confidence":0.99609375,"punctuated_word":"debt","sentiment":"positive","sentiment_score":0.5101630687713623},{"word":"and","start":2297.5,"end":2297.66,"confidence":0.8378906,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4611794650554657},{"word":"we're","start":2297.66,"end":2297.8198,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.5365476608276367},{"word":"able","start":2297.8198,"end":2298.14,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.5365291833877563},{"word":"to","start":2298.14,"end":2298.22,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5536582469940186},{"word":"put","start":2298.22,"end":2298.6199,"confidence":0.9760742,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.5658196806907654},{"word":"potentially","start":2298.6199,"end":2299.1199,"confidence":0.89501953,"punctuated_word":"potentially","sentiment":"positive","sentiment_score":0.5281108617782593},{"word":"a","start":2299.18,"end":2299.26,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5289191007614136},{"word":"little","start":2299.26,"end":2299.5,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4505896866321564},{"word":"bit","start":2299.5,"end":2299.66,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4341631233692169},{"word":"more","start":2299.66,"end":2299.9,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.452692449092865},{"word":"into","start":2299.9,"end":2300.3,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.5788992047309875},{"word":"super","start":2300.3,"end":2300.8,"confidence":0.99902344,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4810170233249664},{"word":"to","start":2300.94,"end":2301.0999,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5035957098007202},{"word":"build","start":2301.0999,"end":2301.42,"confidence":0.99902344,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.5455846786499023},{"word":"that","start":2301.42,"end":2301.66,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4893382787704468},{"word":"for","start":2301.66,"end":2301.8198,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4299032390117645},{"word":"you","start":2301.8198,"end":2302.3198,"confidence":0.98999023,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.30181944370269775},{"word":"i","start":2302.815,"end":2303.315,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1570265293121338},{"word":"do","start":2303.615,"end":2303.855,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.21452833712100983},{"word":"not","start":2303.855,"end":2304.175,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20755594968795776},{"word":"see","start":2304.175,"end":2304.415,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.24330833554267883},{"word":"any","start":2304.415,"end":2304.7349,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.24683362245559692},{"word":"reason","start":2304.7349,"end":2305.2349,"confidence":1.0,"punctuated_word":"reason","sentiment":"negative","sentiment_score":-0.33428651094436646},{"word":"based","start":2305.775,"end":2306.015,"confidence":0.7392578,"punctuated_word":"based","sentiment":"negative","sentiment_score":-0.3375413417816162},{"word":"on","start":2306.015,"end":2306.255,"confidence":1.0,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.340544193983078},{"word":"today's","start":2306.255,"end":2306.755,"confidence":0.9995117,"punctuated_word":"today's","sentiment":"negative","sentiment_score":-0.3385279178619385},{"word":"state","start":2308.255,"end":2308.755,"confidence":0.9707031,"punctuated_word":"state","sentiment":"neutral","sentiment_score":-0.2772895395755768},{"word":"why","start":2309.055,"end":2309.295,"confidence":0.92578125,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.24308136105537417},{"word":"you","start":2309.295,"end":2309.535,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.33517858386039734},{"word":"would","start":2309.535,"end":2309.775,"confidence":1.0,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.3625180721282959},{"word":"not","start":2309.775,"end":2309.935,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3014525771141052},{"word":"be","start":2309.935,"end":2310.095,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2966757118701935},{"word":"able","start":2310.095,"end":2310.255,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.26472312211990356},{"word":"to","start":2310.255,"end":2310.415,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3066919445991516},{"word":"retire","start":2310.415,"end":2310.915,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.18883247673511505},{"word":"at","start":2311.935,"end":2312.255,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3302558660507202},{"word":"65","start":2312.255,"end":2313.155,"confidence":0.9995117,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.030482951551675797},{"word":"okay","start":2313.615,"end":2314.115,"confidence":0.99658203,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0629524439573288},{"word":"so","start":2314.175,"end":2314.415,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13264738023281095},{"word":"i","start":2314.415,"end":2314.4949,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20218691229820251},{"word":"wanted","start":2314.4949,"end":2314.815,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.22713008522987368},{"word":"to","start":2314.815,"end":2314.895,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27677029371261597},{"word":"give","start":2314.895,"end":2315.055,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2745111882686615},{"word":"you","start":2315.055,"end":2315.2148,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3841506242752075},{"word":"a","start":2315.2148,"end":2315.295,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3580327033996582},{"word":"little","start":2315.295,"end":2315.535,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.34166306257247925},{"word":"bit","start":2315.535,"end":2315.775,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.36778900027275085},{"word":"of","start":2315.775,"end":2316.275,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3304380476474762},{"word":"peace","start":2316.335,"end":2316.655,"confidence":0.99121094,"punctuated_word":"peace","sentiment":"neutral","sentiment_score":0.25140953063964844},{"word":"of","start":2316.655,"end":2316.815,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.38680699467659},{"word":"mind","start":2316.815,"end":2317.14,"confidence":0.9970703,"punctuated_word":"mind","sentiment":"positive","sentiment_score":0.39631614089012146},{"word":"there","start":2317.2998,"end":2317.7998,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3205219507217407},{"word":"because","start":2319.0598,"end":2319.38,"confidence":0.63134766,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09649716317653656},{"word":"i","start":2319.38,"end":2319.5398,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1437150537967682},{"word":"know","start":2319.5398,"end":2319.7,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.08328049629926682},{"word":"that","start":2319.7,"end":2320.2,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1082841232419014},{"word":"that","start":2320.9,"end":2321.14,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12053536623716354},{"word":"was","start":2321.14,"end":2321.5398,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.040466226637363434},{"word":"probably","start":2321.5398,"end":2322.0398,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.009950697422027588},{"word":"weighing","start":2322.0999,"end":2322.5,"confidence":1.0,"punctuated_word":"weighing","sentiment":"neutral","sentiment_score":0.00566241517663002},{"word":"on","start":2322.5,"end":2322.66,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.007701009511947632},{"word":"you","start":2322.66,"end":2323.16,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04646149277687073},{"word":"yep","start":2324.98,"end":2325.48,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1780819594860077},{"word":"generally","start":2328.18,"end":2328.66,"confidence":0.6281738,"punctuated_word":"Generally,","sentiment":"neutral","sentiment_score":0.12112929672002792},{"word":"the","start":2328.66,"end":2328.74,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12042704969644548},{"word":"next","start":2328.74,"end":2328.98,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08362236618995667},{"word":"page","start":2328.98,"end":2329.185,"confidence":0.99609375,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.04666554927825928},{"word":"is","start":2329.185,"end":2329.345,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08141326904296875},{"word":"the","start":2329.345,"end":2329.5051,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07281666994094849},{"word":"general","start":2329.5051,"end":2329.825,"confidence":0.99902344,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.07341368496417999},{"word":"insurance","start":2329.825,"end":2330.325,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.052846431732177734},{"word":"advice","start":2330.385,"end":2330.705,"confidence":0.9152832,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.040931351482868195},{"word":"so","start":2330.705,"end":2330.865,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.049300145357847214},{"word":"this","start":2330.865,"end":2331.0251,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06323334574699402},{"word":"is","start":2331.0251,"end":2331.105,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05907386541366577},{"word":"where","start":2331.105,"end":2331.345,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.07587447762489319},{"word":"i","start":2331.345,"end":2331.585,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09657925367355348},{"word":"i","start":2331.585,"end":2331.745,"confidence":0.9604492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1148885190486908},{"word":"looked","start":2331.745,"end":2331.985,"confidence":0.9980469,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.05330916494131088},{"word":"into","start":2331.985,"end":2332.3052,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07269515842199326},{"word":"q","start":2332.3052,"end":2332.625,"confidence":0.71728516,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.08375246822834015},{"word":"super","start":2332.625,"end":2332.945,"confidence":0.7241211,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09728360921144484},{"word":"a","start":2332.945,"end":2333.0251,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09637361764907836},{"word":"little","start":2333.0251,"end":2333.185,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07054555416107178},{"word":"bit","start":2333.185,"end":2333.685,"confidence":0.9995117,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.0691947489976883},{"word":"it","start":2333.905,"end":2334.145,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.021487299352884293},{"word":"does","start":2334.145,"end":2334.465,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0014559030532836914},{"word":"say","start":2334.465,"end":2334.705,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.035125479102134705},{"word":"that","start":2334.705,"end":2334.945,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014962516725063324},{"word":"you","start":2334.945,"end":2335.185,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0027149170637130737},{"word":"are","start":2335.185,"end":2335.5051,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.029331818222999573},{"word":"able","start":2335.5051,"end":2335.905,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.0588446743786335},{"word":"to","start":2335.905,"end":2336.405,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028994955122470856},{"word":"decrease","start":2336.465,"end":2336.965,"confidence":0.99902344,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":0.051846593618392944},{"word":"it","start":2337.105,"end":2337.345,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.003724917769432068},{"word":"to","start":2337.345,"end":2337.585,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0055421143770217896},{"word":"thirty","start":2337.585,"end":2337.905,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.020106345415115356},{"word":"or","start":2337.905,"end":2338.145,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.00459752231836319},{"word":"sixty","start":2338.145,"end":2338.625,"confidence":1.0,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.017287760972976685},{"word":"days","start":2338.625,"end":2339.125,"confidence":0.9995117,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":-0.014198623597621918},{"word":"there","start":2339.2651,"end":2339.5051,"confidence":1.0,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.08542196452617645},{"word":"are","start":2339.5051,"end":2339.665,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07639604806900024},{"word":"some","start":2339.665,"end":2339.985,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.10327185690402985},{"word":"eligibility","start":2339.985,"end":2340.485,"confidence":1.0,"punctuated_word":"eligibility","sentiment":"neutral","sentiment_score":-0.09906366467475893},{"word":"requirements","start":2340.865,"end":2341.365,"confidence":0.9675293,"punctuated_word":"requirements.","sentiment":"neutral","sentiment_score":-0.10577864944934844},{"word":"i","start":2341.53,"end":2341.77,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12847015261650083},{"word":"wasn't","start":2341.77,"end":2342.13,"confidence":0.9995117,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.0985044091939926},{"word":"able","start":2342.13,"end":2342.49,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.0851757675409317},{"word":"to","start":2342.49,"end":2342.73,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08744949102401733},{"word":"ascertain","start":2342.73,"end":2343.23,"confidence":1.0,"punctuated_word":"ascertain","sentiment":"neutral","sentiment_score":-0.06523677706718445},{"word":"what","start":2343.29,"end":2343.53,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0687134638428688},{"word":"those","start":2343.53,"end":2343.93,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.11733854562044144},{"word":"were","start":2343.93,"end":2344.43,"confidence":0.9970703,"punctuated_word":"were.","sentiment":"neutral","sentiment_score":-0.06461691856384277},{"word":"the","start":2346.8901,"end":2347.05,"confidence":0.6635742,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0042085424065589905},{"word":"change","start":2347.05,"end":2347.45,"confidence":0.98291016,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.00947856903076172},{"word":"can","start":2347.45,"end":2347.61,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04027429968118667},{"word":"be","start":2347.61,"end":2347.69,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03430141508579254},{"word":"done","start":2347.69,"end":2347.93,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.04247459024190903},{"word":"through","start":2347.93,"end":2348.17,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.060863982886075974},{"word":"member","start":2348.17,"end":2348.57,"confidence":0.94140625,"punctuated_word":"member","sentiment":"neutral","sentiment_score":0.02341610938310623},{"word":"online","start":2348.57,"end":2348.97,"confidence":0.9916992,"punctuated_word":"online,","sentiment":"neutral","sentiment_score":0.06661885976791382},{"word":"which","start":2348.97,"end":2349.21,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07441166043281555},{"word":"you","start":2349.21,"end":2349.37,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06361216306686401},{"word":"mentioned","start":2349.37,"end":2349.85,"confidence":0.9970703,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.07066252082586288},{"word":"you","start":2349.85,"end":2350.09,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.049332767724990845},{"word":"tried","start":2350.09,"end":2350.49,"confidence":0.9941406,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":0.021095145493745804},{"word":"to","start":2350.49,"end":2350.73,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.035545650869607925},{"word":"do","start":2350.73,"end":2351.05,"confidence":0.95166016,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.030319862067699432},{"word":"but","start":2351.05,"end":2351.29,"confidence":0.9941406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0061210282146930695},{"word":"it","start":2351.29,"end":2351.37,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.019336700439453125},{"word":"wouldn't","start":2351.37,"end":2351.69,"confidence":0.9980469,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.0020372606813907623},{"word":"work","start":2351.69,"end":2352.17,"confidence":0.7988281,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.053864531219005585},{"word":"or","start":2352.17,"end":2352.57,"confidence":0.9819336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04312144219875336},{"word":"completing","start":2352.57,"end":2353.07,"confidence":0.99609375,"punctuated_word":"completing","sentiment":"neutral","sentiment_score":0.03634857386350632},{"word":"a","start":2353.1301,"end":2353.29,"confidence":0.8984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04249187558889389},{"word":"change","start":2353.29,"end":2353.53,"confidence":0.99121094,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.05790798738598823},{"word":"of","start":2353.53,"end":2354.025,"confidence":0.87353516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01886686682701111},{"word":"insurance","start":2354.025,"end":2354.505,"confidence":0.96240234,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.0013701245188713074},{"word":"form","start":2354.505,"end":2355.005,"confidence":0.9946289,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.0149798896163702},{"word":"decreasing","start":2356.6648,"end":2357.1648,"confidence":0.9995117,"punctuated_word":"Decreasing","sentiment":"neutral","sentiment_score":-0.0682196170091629},{"word":"the","start":2357.2249,"end":2357.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15264874696731567},{"word":"waiting","start":2357.385,"end":2357.7048,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.1405954509973526},{"word":"period","start":2357.7048,"end":2358.2048,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.24223777651786804},{"word":"will","start":2358.265,"end":2358.4248,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.20887118577957153},{"word":"increase","start":2358.4248,"end":2358.9248,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.11877604573965073},{"word":"the","start":2358.9849,"end":2359.065,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0768783763051033},{"word":"cost","start":2359.065,"end":2359.305,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.048755399882793427},{"word":"of","start":2359.305,"end":2359.4648,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09129546582698822},{"word":"your","start":2359.4648,"end":2359.7048,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.13092349469661713},{"word":"insurance","start":2359.7048,"end":2360.2048,"confidence":0.77197266,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.14324268698692322},{"word":"but","start":2360.9048,"end":2361.4048,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03889692202210426},{"word":"if","start":2361.785,"end":2361.9448,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0662216767668724},{"word":"you","start":2361.9448,"end":2362.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0635988861322403},{"word":"were","start":2362.105,"end":2362.345,"confidence":0.57666016,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.07734700292348862},{"word":"unable","start":2362.345,"end":2362.7449,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.089271679520607},{"word":"to","start":2362.7449,"end":2362.9048,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12672831118106842},{"word":"do","start":2362.9048,"end":2363.065,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07345790416002274},{"word":"it","start":2363.065,"end":2363.305,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07728582620620728},{"word":"online","start":2363.305,"end":2363.805,"confidence":0.9824219,"punctuated_word":"online,","sentiment":"neutral","sentiment_score":-0.0918404906988144},{"word":"you","start":2365.2249,"end":2365.305,"confidence":0.72802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1043647527694702},{"word":"could","start":2365.305,"end":2365.545,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.09298647940158844},{"word":"try","start":2365.545,"end":2365.9448,"confidence":0.99609375,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.07054641097784042},{"word":"by","start":2365.9448,"end":2366.105,"confidence":0.91503906,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.07516142725944519},{"word":"doing","start":2366.105,"end":2366.345,"confidence":0.9970703,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.05124158784747124},{"word":"it","start":2366.345,"end":2366.845,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04071030393242836},{"word":"through","start":2366.9048,"end":2367.145,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.08284159004688263},{"word":"the","start":2367.145,"end":2367.305,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0722595602273941},{"word":"change","start":2367.305,"end":2367.625,"confidence":0.9941406,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.04166039451956749},{"word":"of","start":2367.625,"end":2368.02,"confidence":0.9243164,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06662855297327042},{"word":"insurance","start":2368.02,"end":2368.5,"confidence":0.96435547,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.0491410568356514},{"word":"form","start":2368.5,"end":2369.0,"confidence":0.9970703,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.05165725201368332},{"word":"to","start":2369.1802,"end":2369.6802,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.047612372785806656},{"word":"see","start":2369.86,"end":2370.18,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.02737562730908394},{"word":"if","start":2370.18,"end":2370.34,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03768497705459595},{"word":"you","start":2370.34,"end":2370.5,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02357889711856842},{"word":"were","start":2370.5,"end":2370.74,"confidence":0.8833008,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.021738052368164062},{"word":"successful","start":2370.74,"end":2371.24,"confidence":1.0,"punctuated_word":"successful","sentiment":"neutral","sentiment_score":-0.02914484590291977},{"word":"in","start":2371.46,"end":2371.54,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00475841760635376},{"word":"doing","start":2371.54,"end":2371.86,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.001477748155593872},{"word":"that","start":2371.86,"end":2372.36,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.0006103217601776123},{"word":"okay","start":2374.18,"end":2374.68,"confidence":0.85302734,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":-0.0012492183595895767},{"word":"that's","start":2377.1401,"end":2377.46,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.23191718757152557},{"word":"okay","start":2377.46,"end":2377.96,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.17857377231121063},{"word":"and","start":2378.66,"end":2378.82,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1181287169456482},{"word":"then","start":2378.82,"end":2379.1401,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13117362558841705},{"word":"the","start":2379.1401,"end":2379.3,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1256156861782074},{"word":"next","start":2379.3,"end":2379.78,"confidence":0.99316406,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08130820840597153},{"word":"page","start":2379.78,"end":2380.1,"confidence":0.9921875,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.09007056057453156},{"word":"is","start":2380.1,"end":2380.58,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1195666715502739},{"word":"establishing","start":2380.58,"end":2381.08,"confidence":0.9873047,"punctuated_word":"establishing","sentiment":"neutral","sentiment_score":0.10587400197982788},{"word":"your","start":2381.1401,"end":2381.3801,"confidence":0.89746094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10325563699007034},{"word":"beneficiary","start":2381.3801,"end":2381.8801,"confidence":0.8745117,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.11498643457889555},{"word":"nomination","start":2382.085,"end":2382.585,"confidence":0.7714844,"punctuated_word":"nomination.","sentiment":"neutral","sentiment_score":0.12852980196475983},{"word":"so","start":2385.5251,"end":2385.7651,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07748259603977203},{"word":"at","start":2385.7651,"end":2385.925,"confidence":0.7441406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08658787608146667},{"word":"the","start":2385.925,"end":2386.085,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09404195845127106},{"word":"moment","start":2386.085,"end":2386.585,"confidence":0.9975586,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.10589726269245148},{"word":"we","start":2387.685,"end":2388.085,"confidence":0.8769531,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.093651682138443},{"word":"we","start":2388.085,"end":2388.405,"confidence":0.9589844,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08948355168104172},{"word":"have","start":2388.405,"end":2388.645,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06942982971668243},{"word":"recommended","start":2388.645,"end":2389.145,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.07683546841144562},{"word":"making","start":2389.445,"end":2389.7651,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.044417604804039},{"word":"them","start":2389.7651,"end":2389.925,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.03804392367601395},{"word":"to","start":2389.925,"end":2390.085,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03428398072719574},{"word":"your","start":2390.085,"end":2390.325,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013937756419181824},{"word":"legal","start":2390.325,"end":2390.805,"confidence":1.0,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.014758676290512083},{"word":"personal","start":2390.805,"end":2391.2852,"confidence":0.98828125,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.0017161890864372251},{"word":"representative","start":2391.2852,"end":2391.7852,"confidence":0.98950195,"punctuated_word":"representative,","sentiment":"neutral","sentiment_score":0.0301070399582386},{"word":"which","start":2392.485,"end":2392.645,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08270872384309769},{"word":"is","start":2392.645,"end":2392.885,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06088506430387497},{"word":"basically","start":2392.885,"end":2393.385,"confidence":0.98095703,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.06585627794265747},{"word":"your","start":2393.445,"end":2393.685,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05596036836504936},{"word":"will","start":2393.685,"end":2394.185,"confidence":0.9741211,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.051042959094047546},{"word":"so","start":2396.1702,"end":2396.33,"confidence":0.9194336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05190907418727875},{"word":"that's","start":2396.33,"end":2396.73,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07924208045005798},{"word":"one","start":2396.73,"end":2396.8901,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05563519895076752},{"word":"thing","start":2396.8901,"end":2397.1301,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.07499893754720688},{"word":"that","start":2397.1301,"end":2397.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07163888961076736},{"word":"i","start":2397.37,"end":2397.53,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10695517063140868},{"word":"do","start":2397.53,"end":2397.77,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07288198173046112},{"word":"need","start":2397.77,"end":2398.1702,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08186156302690506},{"word":"to","start":2398.1702,"end":2398.49,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06079726666212082},{"word":"just","start":2398.49,"end":2398.81,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06908705830574036},{"word":"flag","start":2398.81,"end":2399.1301,"confidence":0.99316406,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.010132573544979095},{"word":"with","start":2399.1301,"end":2399.29,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03852108120918274},{"word":"you","start":2399.29,"end":2399.4502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04338102042675018},{"word":"that","start":2399.4502,"end":2399.9502,"confidence":0.8881836,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03871848434209824},{"word":"the","start":2400.8901,"end":2401.21,"confidence":0.8276367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016526781022548676},{"word":"reason","start":2401.21,"end":2401.4502,"confidence":0.99902344,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.031805992126464844},{"word":"why","start":2401.4502,"end":2401.77,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.05749618262052536},{"word":"we","start":2401.77,"end":2401.85,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08829881995916367},{"word":"have","start":2401.85,"end":2402.1702,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06867766380310059},{"word":"made","start":2402.1702,"end":2402.4102,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.06333690881729126},{"word":"it","start":2402.4102,"end":2402.6501,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1027676910161972},{"word":"to","start":2402.6501,"end":2402.73,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07415062189102173},{"word":"your","start":2402.73,"end":2402.8901,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06017196923494339},{"word":"legal","start":2402.8901,"end":2403.21,"confidence":1.0,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.06049270182847977},{"word":"personal","start":2403.21,"end":2403.6902,"confidence":0.99609375,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.06855978071689606},{"word":"representative","start":2403.6902,"end":2404.1902,"confidence":1.0,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.06212960183620453},{"word":"is","start":2404.49,"end":2404.6501,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14585444331169128},{"word":"because","start":2404.6501,"end":2405.1501,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.17015667259693146},{"word":"it","start":2405.77,"end":2406.09,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.199424147605896},{"word":"you","start":2407.61,"end":2407.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24554497003555295},{"word":"save","start":2407.85,"end":2408.09,"confidence":0.99902344,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.1391490250825882},{"word":"approximately","start":2408.09,"end":2408.59,"confidence":0.9980469,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":0.2263886332511902},{"word":"2%","start":2408.8901,"end":2409.53,"confidence":0.9995117,"punctuated_word":"2%","sentiment":"neutral","sentiment_score":0.2832324504852295},{"word":"on","start":2409.53,"end":2409.885,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3035464286804199},{"word":"tax","start":2409.965,"end":2410.365,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.2447054833173752},{"word":"payable","start":2410.365,"end":2410.865,"confidence":0.99902344,"punctuated_word":"payable","sentiment":"neutral","sentiment_score":0.15294407308101654},{"word":"to","start":2411.085,"end":2411.325,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1990765631198883},{"word":"the","start":2411.325,"end":2411.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12772902846336365},{"word":"government","start":2411.565,"end":2412.065,"confidence":0.99902344,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.1573430746793747},{"word":"on","start":2413.245,"end":2413.485,"confidence":0.8745117,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06807100772857666},{"word":"your","start":2413.485,"end":2413.805,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09653955698013306},{"word":"balances","start":2413.805,"end":2414.305,"confidence":0.7775879,"punctuated_word":"balances.","sentiment":"neutral","sentiment_score":0.07664188742637634},{"word":"but","start":2415.885,"end":2416.045,"confidence":0.9482422,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0013909116387367249},{"word":"i","start":2416.045,"end":2416.205,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.036498650908470154},{"word":"also","start":2416.205,"end":2416.525,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.015982110053300858},{"word":"note","start":2416.525,"end":2416.685,"confidence":0.96875,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.048742394894361496},{"word":"that","start":2416.685,"end":2416.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09426172077655792},{"word":"you","start":2416.845,"end":2417.0051,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09605538845062256},{"word":"don't","start":2417.0051,"end":2417.245,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12228848785161972},{"word":"have","start":2417.245,"end":2417.405,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.16412794589996338},{"word":"a","start":2417.405,"end":2417.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18905338644981384},{"word":"will","start":2417.485,"end":2417.725,"confidence":0.96972656,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.16681316494941711},{"word":"in","start":2417.725,"end":2417.885,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.193174809217453},{"word":"place","start":2417.885,"end":2418.205,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.22490866482257843},{"word":"at","start":2418.205,"end":2418.365,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.18107879161834717},{"word":"the","start":2418.365,"end":2418.445,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15808549523353577},{"word":"moment","start":2418.445,"end":2418.845,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.19648617506027224},{"word":"yet","start":2418.845,"end":2419.165,"confidence":0.99902344,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":-0.20703396201133728},{"word":"either","start":2419.165,"end":2419.665,"confidence":0.9797363,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.15729361772537231},{"word":"so","start":2420.125,"end":2420.625,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12263724207878111},{"word":"it's","start":2423.325,"end":2423.64,"confidence":0.95703125,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.19717931747436523},{"word":"it","start":2424.0398,"end":2424.2,"confidence":0.9038086,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.205423966050148},{"word":"would","start":2424.2,"end":2424.5999,"confidence":0.9873047,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2362516075372696},{"word":"be","start":2424.5999,"end":2425.0798,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.23733770847320557},{"word":"if","start":2425.16,"end":2425.4,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1930716037750244},{"word":"you","start":2425.4,"end":2425.64,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19002453982830048},{"word":"if","start":2425.64,"end":2425.96,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.20254048705101013},{"word":"you","start":2425.96,"end":2426.1199,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2436562180519104},{"word":"did","start":2426.1199,"end":2426.5999,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.2020144164562225},{"word":"pass","start":2426.5999,"end":2426.92,"confidence":0.99609375,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.30983099341392517},{"word":"away","start":2426.92,"end":2427.42,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.21159563958644867},{"word":"with","start":2427.48,"end":2427.7998,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.29232460260391235},{"word":"no","start":2427.7998,"end":2427.96,"confidence":0.9970703,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.29225674271583557},{"word":"will","start":2427.96,"end":2428.3599,"confidence":0.9980469,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.2665126919746399},{"word":"it","start":2428.3599,"end":2428.5198,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.27485623955726624},{"word":"would","start":2428.5198,"end":2428.76,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.21917122602462769},{"word":"go","start":2428.76,"end":2429.16,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.2295600026845932},{"word":"to","start":2429.16,"end":2429.64,"confidence":0.9880371,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.200282484292984},{"word":"i","start":2429.64,"end":2429.7998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15361040830612183},{"word":"believe","start":2429.7998,"end":2430.2,"confidence":0.99609375,"punctuated_word":"believe,","sentiment":"neutral","sentiment_score":-0.15067221224308014},{"word":"the","start":2430.2,"end":2430.3599,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1951965689659119},{"word":"queensland","start":2430.3599,"end":2430.8599,"confidence":0.9980469,"punctuated_word":"Queensland","sentiment":"neutral","sentiment_score":-0.06407836824655533},{"word":"trustees","start":2430.92,"end":2431.42,"confidence":0.9116211,"punctuated_word":"trustees","sentiment":"neutral","sentiment_score":-0.06392639875411987},{"word":"to","start":2431.7998,"end":2432.2998,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.060975581407547},{"word":"manage","start":2433.4,"end":2433.7998,"confidence":0.92089844,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":-0.11810877174139024},{"word":"it","start":2433.7998,"end":2434.2998,"confidence":0.9951172,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.054047487676143646},{"word":"if","start":2435.72,"end":2435.96,"confidence":0.95947266,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.18286409974098208},{"word":"you","start":2435.96,"end":2436.2,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1378083974123001},{"word":"there","start":2436.565,"end":2436.805,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.18183265626430511},{"word":"are","start":2436.805,"end":2436.885,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20745927095413208},{"word":"many","start":2436.885,"end":2437.125,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.2031254768371582},{"word":"ways","start":2437.125,"end":2437.5251,"confidence":1.0,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.13214755058288574},{"word":"you","start":2437.5251,"end":2437.605,"confidence":0.9140625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20754265785217285},{"word":"can","start":2437.605,"end":2437.845,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20746077597141263},{"word":"get","start":2437.845,"end":2438.0051,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1922937035560608},{"word":"a","start":2438.0051,"end":2438.085,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2379692494869232},{"word":"will","start":2438.085,"end":2438.405,"confidence":0.9379883,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.2252587229013443},{"word":"you","start":2438.405,"end":2438.565,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.27543699741363525},{"word":"can","start":2438.565,"end":2438.805,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24355266988277435},{"word":"go","start":2438.805,"end":2439.305,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3202786147594452},{"word":"i","start":2439.845,"end":2439.925,"confidence":0.9921875,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3702279329299927},{"word":"think","start":2439.925,"end":2440.245,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.34224733710289},{"word":"there's","start":2440.245,"end":2440.485,"confidence":0.9975586,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.401183545589447},{"word":"a","start":2440.485,"end":2440.565,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4045248329639435},{"word":"few","start":2440.565,"end":2440.805,"confidence":1.0,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.34381553530693054},{"word":"online","start":2440.805,"end":2441.205,"confidence":1.0,"punctuated_word":"online","sentiment":"positive","sentiment_score":0.391715407371521},{"word":"that","start":2441.205,"end":2441.445,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3412148654460907},{"word":"you","start":2441.445,"end":2441.5251,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3938364088535309},{"word":"can","start":2441.5251,"end":2441.685,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.38824430108070374},{"word":"do","start":2441.685,"end":2442.185,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.39090901613235474},{"word":"that","start":2443.205,"end":2443.365,"confidence":0.4399414,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39757221937179565},{"word":"you","start":2443.365,"end":2443.445,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4235503077507019},{"word":"can","start":2443.445,"end":2443.685,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4501369595527649},{"word":"utilize","start":2443.685,"end":2444.185,"confidence":1.0,"punctuated_word":"utilize","sentiment":"positive","sentiment_score":0.3959915339946747},{"word":"that","start":2445.685,"end":2445.925,"confidence":0.65771484,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4195666015148163},{"word":"are","start":2445.925,"end":2446.085,"confidence":0.8730469,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4903571009635926},{"word":"very","start":2446.085,"end":2446.485,"confidence":0.9970703,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6221248507499695},{"word":"low","start":2446.485,"end":2446.805,"confidence":1.0,"punctuated_word":"low","sentiment":"positive","sentiment_score":0.5195842981338501},{"word":"cost","start":2446.805,"end":2447.305,"confidence":0.9980469,"punctuated_word":"cost.","sentiment":"positive","sentiment_score":0.3774295449256897},{"word":"there's","start":2447.445,"end":2447.845,"confidence":0.99902344,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.2900031805038452},{"word":"also","start":2447.845,"end":2448.345,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21865114569664},{"word":"the","start":2448.885,"end":2449.125,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2767995595932007},{"word":"post","start":2449.125,"end":2449.445,"confidence":0.98828125,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.1983974277973175},{"word":"office","start":2449.445,"end":2449.945,"confidence":1.0,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.16467183828353882},{"word":"ones","start":2450.085,"end":2450.405,"confidence":0.7807617,"punctuated_word":"ones,","sentiment":"neutral","sentiment_score":0.25219735503196716},{"word":"i","start":2450.405,"end":2450.485,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2377460151910782},{"word":"think","start":2450.485,"end":2450.805,"confidence":0.8137207,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.23469340801239016},{"word":"you","start":2450.805,"end":2450.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23348596692085263},{"word":"can","start":2450.965,"end":2451.125,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24373896420001984},{"word":"go","start":2451.125,"end":2451.445,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.20361095666885376},{"word":"get","start":2451.445,"end":2451.7651,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21526694297790527},{"word":"or","start":2451.7651,"end":2452.2651,"confidence":0.9404297,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16989079117774963},{"word":"or","start":2453.3398,"end":2453.74,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17540040612220764},{"word":"something","start":2453.74,"end":2454.24,"confidence":0.98999023,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.14309856295585632},{"word":"so","start":2454.2998,"end":2454.7998,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23609431087970736},{"word":"i'll","start":2455.98,"end":2456.22,"confidence":0.9758301,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.27665379643440247},{"word":"just","start":2456.22,"end":2456.5398,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3101640045642853},{"word":"i'll","start":2456.6199,"end":2456.8599,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.33050018548965454},{"word":"leave","start":2456.8599,"end":2457.18,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.33059772849082947},{"word":"that","start":2457.18,"end":2457.3398,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3132823407649994},{"word":"with","start":2457.3398,"end":2457.5798,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.33186668157577515},{"word":"you","start":2457.5798,"end":2458.0798,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35727718472480774},{"word":"and","start":2458.6199,"end":2459.1199,"confidence":0.9165039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32937273383140564},{"word":"see","start":2460.94,"end":2461.18,"confidence":0.97509766,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.35728466510772705},{"word":"how","start":2461.18,"end":2461.42,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.29748985171318054},{"word":"you","start":2461.42,"end":2461.5798,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33175742626190186},{"word":"go","start":2461.5798,"end":2461.74,"confidence":0.9399414,"punctuated_word":"go,","sentiment":"positive","sentiment_score":0.3651054799556732},{"word":"and","start":2461.74,"end":2461.9,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3817290961742401},{"word":"i","start":2461.9,"end":2461.98,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4219147562980652},{"word":"can","start":2461.98,"end":2462.2998,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3810320794582367},{"word":"provide","start":2462.2998,"end":2462.7,"confidence":1.0,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.4321358799934387},{"word":"you","start":2462.7,"end":2462.94,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.48447850346565247},{"word":"with","start":2462.94,"end":2463.18,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4895891845226288},{"word":"some","start":2463.18,"end":2463.68,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.4046620130538941},{"word":"resources","start":2463.8198,"end":2464.3198,"confidence":1.0,"punctuated_word":"resources","sentiment":"positive","sentiment_score":0.43458110094070435},{"word":"if","start":2464.46,"end":2464.6199,"confidence":0.99316406,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4316675662994385},{"word":"you","start":2464.6199,"end":2464.7798,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.353485107421875},{"word":"need","start":2464.7798,"end":2465.115,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.30436378717422485},{"word":"to","start":2470.395,"end":2470.895,"confidence":0.9506836,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.027379676699638367},{"word":"to","start":2470.955,"end":2471.195,"confidence":0.9667969,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.027231089770793915},{"word":"your","start":2471.195,"end":2471.515,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03551773726940155},{"word":"estate","start":2471.515,"end":2471.835,"confidence":0.96240234,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.07143715023994446},{"word":"to","start":2471.9949,"end":2472.235,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06723500788211823},{"word":"your","start":2472.235,"end":2472.555,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06101299449801445},{"word":"will","start":2472.555,"end":2473.055,"confidence":0.9863281,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.07826065272092819},{"word":"so","start":2473.115,"end":2473.355,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1024671271443367},{"word":"a","start":2473.355,"end":2473.435,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10786811262369156},{"word":"legal","start":2473.435,"end":2473.835,"confidence":1.0,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.08431581407785416},{"word":"personal","start":2473.835,"end":2474.335,"confidence":0.98535156,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.05825323238968849},{"word":"representative","start":2474.395,"end":2474.895,"confidence":1.0,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.05898508056998253},{"word":"for","start":2475.035,"end":2475.275,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10750438272953032},{"word":"superannuation","start":2475.275,"end":2475.775,"confidence":0.9980469,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.13032732903957367},{"word":"is","start":2476.155,"end":2476.395,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09349161386489868},{"word":"your","start":2476.395,"end":2476.555,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09420473873615264},{"word":"will","start":2476.555,"end":2476.955,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12096917629241943},{"word":"for","start":2476.955,"end":2477.115,"confidence":0.4428711,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08528631180524826},{"word":"your","start":2477.115,"end":2477.435,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07556848973035812},{"word":"estate","start":2477.435,"end":2477.935,"confidence":0.9904785,"punctuated_word":"estate.","sentiment":"neutral","sentiment_score":0.06219729408621788},{"word":"so","start":2479.79,"end":2480.29,"confidence":0.9523926,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.06813117861747742},{"word":"yeah","start":2480.83,"end":2481.15,"confidence":0.9904785,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08620178699493408},{"word":"that's","start":2481.15,"end":2481.47,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08591985702514648},{"word":"what","start":2481.47,"end":2481.87,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.061868369579315186},{"word":"the","start":2481.87,"end":2482.19,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08732286095619202},{"word":"superannuation","start":2482.19,"end":2482.69,"confidence":0.9996745,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.08058162778615952},{"word":"companies","start":2484.91,"end":2485.41,"confidence":0.9819336,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.07213746011257172},{"word":"refer","start":2485.55,"end":2485.87,"confidence":0.9770508,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.037699874490499496},{"word":"to","start":2485.87,"end":2486.03,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09135783463716508},{"word":"as","start":2486.03,"end":2486.27,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06698282808065414},{"word":"your","start":2486.27,"end":2486.59,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0791315883398056},{"word":"estate","start":2486.59,"end":2487.09,"confidence":0.99316406,"punctuated_word":"estate.","sentiment":"neutral","sentiment_score":0.06083250418305397},{"word":"so","start":2487.15,"end":2487.39,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.042196087539196014},{"word":"instead","start":2487.39,"end":2487.6301,"confidence":1.0,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.010157234966754912},{"word":"of","start":2487.6301,"end":2487.79,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0004438497126102447},{"word":"saying","start":2487.79,"end":2488.03,"confidence":0.9970703,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.01326863095164299},{"word":"estate","start":2488.03,"end":2488.53,"confidence":0.9785156,"punctuated_word":"estate,","sentiment":"neutral","sentiment_score":-0.02620571665465832},{"word":"they","start":2488.59,"end":2488.83,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.013780944049358368},{"word":"say","start":2488.83,"end":2489.07,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.015840578824281693},{"word":"legal","start":2489.07,"end":2489.47,"confidence":0.9921875,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.02000635489821434},{"word":"personal","start":2489.47,"end":2489.95,"confidence":0.98291016,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.0033305883407592773},{"word":"representative","start":2489.95,"end":2490.45,"confidence":0.9951172,"punctuated_word":"representative,","sentiment":"neutral","sentiment_score":0.008067474700510502},{"word":"which","start":2491.0251,"end":2491.2651,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.00957825407385826},{"word":"is","start":2491.2651,"end":2491.425,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.016611211001873016},{"word":"essentially","start":2491.425,"end":2491.925,"confidence":0.97998047,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.03487019240856171},{"word":"the","start":2492.625,"end":2492.865,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0357242152094841},{"word":"executor","start":2492.865,"end":2493.365,"confidence":0.9916992,"punctuated_word":"executor","sentiment":"neutral","sentiment_score":0.05891120433807373},{"word":"of","start":2493.5051,"end":2493.665,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08795876801013947},{"word":"your","start":2493.665,"end":2493.905,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07974375784397125},{"word":"will","start":2493.905,"end":2494.405,"confidence":0.9995117,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.07606171071529388},{"word":"so","start":2494.945,"end":2495.445,"confidence":0.8894043,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.10764805227518082},{"word":"yeah","start":2497.5051,"end":2497.905,"confidence":0.9289551,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.12507149577140808},{"word":"it","start":2497.905,"end":2498.145,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1356072574853897},{"word":"it's","start":2498.225,"end":2498.705,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15358750522136688},{"word":"probably","start":2498.705,"end":2499.105,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1787828803062439},{"word":"pretty","start":2499.105,"end":2499.345,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.14530006051063538},{"word":"important","start":2499.345,"end":2499.825,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.08628930896520615},{"word":"to","start":2499.825,"end":2499.905,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18917077779769895},{"word":"get","start":2499.905,"end":2500.0652,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13652344048023224},{"word":"one","start":2500.0652,"end":2500.3052,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10887514799833298},{"word":"done","start":2500.3052,"end":2500.5452,"confidence":0.99121094,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.06892286986112595},{"word":"up","start":2500.5452,"end":2501.0452,"confidence":0.98950195,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.1097191721200943},{"word":"we","start":2502.385,"end":2502.625,"confidence":0.90527344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2592821419239044},{"word":"can","start":2502.625,"end":2502.865,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.37601277232170105},{"word":"definitely","start":2502.865,"end":2503.365,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.41638535261154175},{"word":"direct","start":2504.145,"end":2504.645,"confidence":1.0,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.2065187990665436},{"word":"your","start":2504.865,"end":2505.365,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2150631844997406},{"word":"superannuation","start":2505.905,"end":2506.405,"confidence":0.99397784,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.2965160608291626},{"word":"to","start":2507.48,"end":2507.7998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14976413547992706},{"word":"somebody","start":2507.7998,"end":2508.28,"confidence":1.0,"punctuated_word":"somebody","sentiment":"neutral","sentiment_score":0.1993786543607712},{"word":"over","start":2508.28,"end":2508.5999,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.17313213646411896},{"word":"the","start":2508.5999,"end":2508.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1574416160583496},{"word":"age","start":2508.76,"end":2508.92,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.11823542416095734},{"word":"of","start":2508.92,"end":2509.16,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.176322340965271},{"word":"18","start":2509.16,"end":2509.66,"confidence":0.9885254,"punctuated_word":"18.","sentiment":"neutral","sentiment_score":0.2161927968263626},{"word":"however","start":2510.2,"end":2510.7,"confidence":0.9995117,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.06519383937120438},{"word":"they","start":2511.24,"end":2511.5598,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1802864968776703},{"word":"will","start":2511.5598,"end":2511.96,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.13323886692523956},{"word":"pay","start":2511.96,"end":2512.46,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.15559497475624084},{"word":"15%","start":2514.3599,"end":2515.3198,"confidence":0.7993164,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.011442795395851135},{"word":"superannuation","start":2515.3198,"end":2515.8198,"confidence":0.99576825,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.08113787323236465},{"word":"tax","start":2516.44,"end":2516.94,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.03752578794956207},{"word":"as","start":2517.0,"end":2517.16,"confidence":0.92822266,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05448956787586212},{"word":"well","start":2517.16,"end":2517.3198,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.018145591020584103},{"word":"as","start":2517.3198,"end":2517.64,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06699896603822708},{"word":"the","start":2517.64,"end":2517.7998,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05505897104740143},{"word":"2%","start":2517.7998,"end":2518.54,"confidence":1.0,"punctuated_word":"2%","sentiment":"neutral","sentiment_score":0.018383819609880447},{"word":"on","start":2519.16,"end":2519.4,"confidence":0.98828125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0766676738858223},{"word":"top","start":2519.4,"end":2519.5598,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.04460278898477554},{"word":"of","start":2519.5598,"end":2519.72,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017810724675655365},{"word":"that","start":2519.72,"end":2519.88,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05918686091899872},{"word":"for","start":2519.88,"end":2520.135,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10350239276885986},{"word":"medicare","start":2520.295,"end":2520.795,"confidence":0.970459,"punctuated_word":"Medicare.","sentiment":"neutral","sentiment_score":-0.02962978184223175},{"word":"yeah","start":2521.2551,"end":2521.7551,"confidence":0.7910156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09954549372196198},{"word":"yeah","start":2521.895,"end":2522.135,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14297786355018616},{"word":"they","start":2522.135,"end":2522.295,"confidence":0.9980469,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.13384900987148285},{"word":"don't","start":2522.295,"end":2522.535,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.1550438106060028},{"word":"miss","start":2522.535,"end":2522.775,"confidence":0.9970703,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":-0.011424675583839417},{"word":"you","start":2522.775,"end":2523.275,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13915488123893738},{"word":"so","start":2523.335,"end":2523.835,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23251523077487943},{"word":"the","start":2524.135,"end":2524.295,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3241586685180664},{"word":"reason","start":2524.295,"end":2524.615,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.3040757179260254},{"word":"why","start":2524.615,"end":2524.935,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.2788022458553314},{"word":"we","start":2524.935,"end":2525.095,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.350844144821167},{"word":"do","start":2525.095,"end":2525.2551,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3709242045879364},{"word":"say","start":2525.2551,"end":2525.415,"confidence":0.9863281,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.3275323212146759},{"word":"a","start":2525.415,"end":2525.575,"confidence":0.95166016,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3833678364753723},{"word":"will","start":2525.575,"end":2526.055,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.32612404227256775},{"word":"is","start":2526.055,"end":2526.295,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3078310489654541},{"word":"simply","start":2526.295,"end":2526.695,"confidence":0.99902344,"punctuated_word":"simply","sentiment":"positive","sentiment_score":0.3334363102912903},{"word":"because","start":2526.695,"end":2527.195,"confidence":0.9980469,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2884770631790161},{"word":"you","start":2527.575,"end":2527.735,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39558589458465576},{"word":"save","start":2527.735,"end":2528.135,"confidence":0.96435547,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.2366378754377365},{"word":"the","start":2528.135,"end":2528.295,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3748001158237457},{"word":"2%","start":2528.295,"end":2529.015,"confidence":0.99658203,"punctuated_word":"2%","sentiment":"positive","sentiment_score":0.3794037401676178},{"word":"on","start":2529.015,"end":2529.335,"confidence":0.99121094,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4194548726081848},{"word":"tax","start":2529.335,"end":2529.835,"confidence":0.9902344,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3341436982154846},{"word":"if","start":2532.455,"end":2532.535,"confidence":0.796875,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3609408140182495},{"word":"you're","start":2532.535,"end":2532.695,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2673114538192749},{"word":"having","start":2532.695,"end":2533.175,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.22418931126594543},{"word":"if","start":2533.335,"end":2533.495,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21050477027893064},{"word":"your","start":2533.495,"end":2533.735,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08570212870836258},{"word":"beneficiary","start":2533.735,"end":2534.235,"confidence":0.9970703,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.15044043958187103},{"word":"is","start":2534.615,"end":2534.775,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1522538810968399},{"word":"a","start":2534.775,"end":2534.935,"confidence":0.88964844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14690889418125153},{"word":"nonfinancial","start":2534.935,"end":2535.435,"confidence":0.90112305,"punctuated_word":"nonfinancial","sentiment":"neutral","sentiment_score":0.05547599866986275},{"word":"dependent","start":2536.17,"end":2536.67,"confidence":0.97924805,"punctuated_word":"dependent,","sentiment":"neutral","sentiment_score":0.12079600244760512},{"word":"which","start":2536.89,"end":2537.21,"confidence":0.99609375,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.23252783715724945},{"word":"we","start":2537.21,"end":2537.45,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2209090292453766},{"word":"discussed","start":2537.45,"end":2537.95,"confidence":0.9902344,"punctuated_word":"discussed","sentiment":"neutral","sentiment_score":0.1677907407283783},{"word":"previously","start":2538.65,"end":2539.15,"confidence":0.85375977,"punctuated_word":"previously,","sentiment":"neutral","sentiment_score":0.21407897770404816},{"word":"is","start":2540.41,"end":2540.81,"confidence":0.46118164,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2048046588897705},{"word":"your","start":2540.81,"end":2541.29,"confidence":0.9086914,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10105019062757492},{"word":"current","start":2541.29,"end":2541.6099,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.02272811532020569},{"word":"one","start":2541.6099,"end":2541.8499,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.028858236968517303},{"word":"with","start":2541.8499,"end":2542.17,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10348647087812424},{"word":"hub","start":2542.17,"end":2542.49,"confidence":0.71875,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.12084291130304337},{"word":"twenty","start":2542.49,"end":2542.81,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.14418090879917145},{"word":"four","start":2542.81,"end":2543.13,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.1472297161817551},{"word":"is","start":2543.13,"end":2543.45,"confidence":0.94921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05665860325098038},{"word":"not","start":2543.45,"end":2543.77,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06446969509124756},{"word":"a","start":2543.77,"end":2544.25,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02727801725268364},{"word":"financial","start":2544.25,"end":2544.75,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.07162024080753326},{"word":"dependent","start":2545.05,"end":2545.55,"confidence":0.9980469,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":-0.037401795387268066},{"word":"under","start":2545.93,"end":2546.43,"confidence":0.9941406,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.10948573052883148},{"word":"superannuation","start":2547.53,"end":2548.03,"confidence":0.9951172,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.06308980286121368},{"word":"and","start":2549.295,"end":2549.615,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0743679627776146},{"word":"tax","start":2549.615,"end":2550.015,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.13073012232780457},{"word":"law","start":2550.015,"end":2550.515,"confidence":0.99316406,"punctuated_word":"law.","sentiment":"neutral","sentiment_score":0.058878589421510696},{"word":"so","start":2553.695,"end":2554.195,"confidence":0.85839844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11654553562402724},{"word":"we","start":2554.7349,"end":2554.895,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15773504972457886},{"word":"can","start":2554.895,"end":2555.295,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21625453233718872},{"word":"definitely","start":2555.295,"end":2555.795,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.27071648836135864},{"word":"still","start":2555.935,"end":2556.435,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.17392218112945557},{"word":"nominate","start":2556.655,"end":2557.155,"confidence":0.9980469,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.1443638801574707},{"word":"an","start":2557.455,"end":2557.615,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15727674961090088},{"word":"individual","start":2557.615,"end":2558.115,"confidence":1.0,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.14331606030464172},{"word":"until","start":2558.655,"end":2559.135,"confidence":0.9980469,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.1625804603099823},{"word":"you","start":2559.135,"end":2559.295,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11125902086496352},{"word":"get","start":2559.295,"end":2559.795,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04856569319963455},{"word":"a","start":2560.9749,"end":2561.135,"confidence":0.93359375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09335005283355712},{"word":"will","start":2561.135,"end":2561.535,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06332241743803024},{"word":"in","start":2561.535,"end":2561.775,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08760717511177063},{"word":"place","start":2561.775,"end":2562.275,"confidence":0.9482422,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.07471340894699097},{"word":"but","start":2562.7349,"end":2562.895,"confidence":0.98828125,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0737791508436203},{"word":"i","start":2562.895,"end":2562.9749,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.023328423500061035},{"word":"would","start":2562.9749,"end":2563.35,"confidence":0.98828125,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.014350727200508118},{"word":"strongly","start":2563.51,"end":2563.83,"confidence":0.9838867,"punctuated_word":"strongly","sentiment":"neutral","sentiment_score":0.048926472663879395},{"word":"recommend","start":2563.83,"end":2564.33,"confidence":1.0,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.10430361330509186},{"word":"looking","start":2564.4702,"end":2564.79,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0069887638092041016},{"word":"into","start":2564.79,"end":2565.11,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.013990327715873718},{"word":"that","start":2565.11,"end":2565.35,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008290529251098633},{"word":"will","start":2565.35,"end":2565.75,"confidence":0.9951172,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0007024407386779785},{"word":"situation","start":2565.75,"end":2566.25,"confidence":0.99902344,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.06782753765583038},{"word":"as","start":2566.87,"end":2566.9502,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15744569897651672},{"word":"soon","start":2566.9502,"end":2567.1902,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.12941597402095795},{"word":"as","start":2567.1902,"end":2567.4302,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20385441184043884},{"word":"you","start":2567.4302,"end":2567.51,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2079030275344849},{"word":"can","start":2567.51,"end":2568.01,"confidence":0.99902344,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.13927853107452393},{"word":"so","start":2570.87,"end":2571.1902,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07446231693029404},{"word":"on","start":2571.1902,"end":2571.35,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04274894669651985},{"word":"that","start":2571.35,"end":2571.83,"confidence":0.9970703,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.04835764318704605},{"word":"did","start":2571.83,"end":2572.1501,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.03446907550096512},{"word":"you","start":2572.1501,"end":2572.23,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0430670753121376},{"word":"want","start":2572.23,"end":2572.55,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.00709698349237442},{"word":"to","start":2572.55,"end":2573.03,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029143117368221283},{"word":"nominate","start":2573.03,"end":2573.51,"confidence":0.9760742,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.03655431047081947},{"word":"an","start":2573.51,"end":2573.75,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04139150679111481},{"word":"individual","start":2573.75,"end":2574.25,"confidence":0.7492676,"punctuated_word":"individual,","sentiment":"neutral","sentiment_score":0.05160215497016907},{"word":"or","start":2574.79,"end":2575.03,"confidence":0.96240234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03316419571638107},{"word":"did","start":2575.03,"end":2575.1902,"confidence":0.99609375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.018822215497493744},{"word":"you","start":2575.1902,"end":2575.6902,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04083878546953201},{"word":"with","start":2576.3901,"end":2576.55,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03595051169395447},{"word":"your","start":2576.55,"end":2576.79,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.018842272460460663},{"word":"beneficiary","start":2576.79,"end":2577.27,"confidence":0.98828125,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.0911712571978569},{"word":"nominations","start":2577.27,"end":2577.765,"confidence":0.7915039,"punctuated_word":"nominations?","sentiment":"neutral","sentiment_score":0.04854876548051834},{"word":"because","start":2577.9248,"end":2578.1648,"confidence":0.9580078,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.003683909773826599},{"word":"that's","start":2578.1648,"end":2578.4048,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.014729714021086693},{"word":"something","start":2578.4048,"end":2578.7249,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0059106796979904175},{"word":"that","start":2578.7249,"end":2578.9648,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007508143782615662},{"word":"i","start":2578.9648,"end":2579.125,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0006452500820159912},{"word":"do","start":2579.125,"end":2579.285,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.027844935655593872},{"word":"need","start":2579.285,"end":2579.525,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.002680912613868714},{"word":"to","start":2579.525,"end":2579.605,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005190566182136536},{"word":"make","start":2579.605,"end":2579.765,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.017542682588100433},{"word":"sure","start":2579.765,"end":2580.005,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.0019999518990516663},{"word":"i","start":2580.005,"end":2580.2449,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.007244423031806946},{"word":"address","start":2580.2449,"end":2580.6448,"confidence":0.98828125,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.024293236434459686},{"word":"for","start":2580.6448,"end":2580.805,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0006484538316726685},{"word":"you","start":2580.805,"end":2581.305,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.03386109322309494},{"word":"you","start":2585.045,"end":2585.285,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.00009500980377197266},{"word":"can","start":2585.285,"end":2585.765,"confidence":0.984375,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.024884916841983795},{"word":"but","start":2585.765,"end":2586.085,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03175858408212662},{"word":"they","start":2586.085,"end":2586.2449,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.09242390841245653},{"word":"will","start":2586.2449,"end":2586.4048,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.066726453602314},{"word":"pay","start":2586.4048,"end":2586.6448,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.09224092960357666},{"word":"the","start":2586.6448,"end":2586.9648,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0597618892788887},{"word":"17%","start":2586.9648,"end":2587.9448,"confidence":0.99902344,"punctuated_word":"17%","sentiment":"neutral","sentiment_score":-0.04233817011117935},{"word":"tax","start":2588.005,"end":2588.4849,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.027690529823303223},{"word":"instead","start":2588.4849,"end":2588.805,"confidence":0.9838867,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.08594122529029846},{"word":"of","start":2588.805,"end":2589.045,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0480552613735199},{"word":"the","start":2589.045,"end":2589.2048,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0931997299194336},{"word":"15%","start":2589.2048,"end":2590.085,"confidence":0.99658203,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":-0.052867233753204346},{"word":"tax","start":2590.085,"end":2590.53,"confidence":0.9921875,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.02777661383152008},{"word":"your","start":2590.61,"end":2590.77,"confidence":0.9838867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14101625978946686},{"word":"estate","start":2590.77,"end":2591.01,"confidence":0.9448242,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.14759096503257751},{"word":"would","start":2591.01,"end":2591.51,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08015462756156921},{"word":"pay","start":2594.77,"end":2595.27,"confidence":0.98217773,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":-0.023108966648578644},{"word":"for","start":2596.37,"end":2596.61,"confidence":0.72314453,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.04287981986999512},{"word":"as","start":2596.85,"end":2597.01,"confidence":0.98828125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0412897989153862},{"word":"a","start":2597.01,"end":2597.25,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0236276276409626},{"word":"stopgap","start":2597.25,"end":2597.75,"confidence":0.76293945,"punctuated_word":"stopgap","sentiment":"neutral","sentiment_score":-0.016688989475369453},{"word":"for","start":2597.8901,"end":2598.05,"confidence":0.5341797,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005527190864086151},{"word":"the","start":2598.05,"end":2598.21,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00396709144115448},{"word":"time","start":2598.21,"end":2598.53,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0024935901165008545},{"word":"being","start":2598.53,"end":2599.03,"confidence":0.99365234,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.0035673417150974274},{"word":"if","start":2599.33,"end":2599.6501,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.011410992592573166},{"word":"you","start":2599.6501,"end":2599.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06565065681934357},{"word":"wanted","start":2599.97,"end":2600.47,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.018375493586063385},{"word":"to","start":2600.77,"end":2601.27,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00319705531001091},{"word":"until","start":2602.29,"end":2602.61,"confidence":0.98095703,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.01725289598107338},{"word":"you","start":2602.61,"end":2602.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010439526289701462},{"word":"got","start":2602.77,"end":2603.01,"confidence":0.9921875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.015599876642227173},{"word":"the","start":2603.01,"end":2603.17,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0015759095549583435},{"word":"will","start":2603.17,"end":2603.41,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-4.176050424575806e-6},{"word":"done","start":2603.41,"end":2603.91,"confidence":0.9970703,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":-0.012794595211744308},{"word":"you","start":2604.05,"end":2604.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00572589784860611},{"word":"could","start":2604.21,"end":2604.37,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.0006634294986724854},{"word":"put","start":2604.37,"end":2604.61,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.006608366966247559},{"word":"your","start":2604.61,"end":2604.85,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.003144528716802597},{"word":"kids","start":2604.85,"end":2605.1,"confidence":0.9741211,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":0.0009984932839870453},{"word":"once","start":2605.1,"end":2605.6,"confidence":0.94628906,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.0017131194472312927},{"word":"you","start":2606.505,"end":2606.7449,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00787327066063881},{"word":"got","start":2606.7449,"end":2606.9048,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0038043931126594543},{"word":"the","start":2606.9048,"end":2606.9849,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00600307434797287},{"word":"will","start":2606.9849,"end":2607.2249,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.014111623167991638},{"word":"done","start":2607.2249,"end":2607.7048,"confidence":0.98999023,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":0.011602316051721571},{"word":"if","start":2607.7048,"end":2607.865,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.004168827086687088},{"word":"your","start":2607.865,"end":2608.025,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01104598119854927},{"word":"kids","start":2608.025,"end":2608.265,"confidence":0.99902344,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.006769996136426926},{"word":"were","start":2608.265,"end":2608.4248,"confidence":0.9902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.010065190494060516},{"word":"the","start":2608.4248,"end":2608.585,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005105149000883102},{"word":"beneficiary","start":2608.585,"end":2609.065,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.04945928975939751},{"word":"of","start":2609.065,"end":2609.2249,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014412704855203629},{"word":"your","start":2609.2249,"end":2609.3848,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0013042278587818146},{"word":"will","start":2609.3848,"end":2609.7048,"confidence":0.99902344,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.01766958273947239},{"word":"you","start":2609.7048,"end":2609.865,"confidence":0.7626953,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0005221441388130188},{"word":"we","start":2610.105,"end":2610.505,"confidence":0.96533203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.014926284551620483},{"word":"can","start":2610.505,"end":2610.6648,"confidence":0.56396484,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.012722518295049667},{"word":"change","start":2610.6648,"end":2610.9048,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.01134667918086052},{"word":"that","start":2610.9048,"end":2611.4048,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.009129732847213743},{"word":"to","start":2613.7048,"end":2614.1848,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012875568121671677},{"word":"then","start":2614.1848,"end":2614.6648,"confidence":0.7890625,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.00987624004483223},{"word":"being","start":2614.6648,"end":2614.9849,"confidence":0.99316406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.004333771765232086},{"word":"your","start":2614.9849,"end":2615.305,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.00447455421090126},{"word":"estate","start":2615.305,"end":2615.805,"confidence":0.9885254,"punctuated_word":"estate.","sentiment":"neutral","sentiment_score":-0.010195957496762276},{"word":"sorry","start":2622.56,"end":2623.06,"confidence":0.8469238,"punctuated_word":"Sorry?","sentiment":"neutral","sentiment_score":-0.1021023765206337},{"word":"as","start":2627.44,"end":2627.68,"confidence":0.9902344,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.03178323060274124},{"word":"your","start":2627.68,"end":2627.92,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04181297868490219},{"word":"beneficiary","start":2627.92,"end":2628.42,"confidence":0.92163086,"punctuated_word":"beneficiary?","sentiment":"neutral","sentiment_score":-0.022813279181718823},{"word":"so","start":2630.8,"end":2631.04,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01049146056175232},{"word":"do","start":2631.04,"end":2631.1199,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.017171133309602737},{"word":"you","start":2631.1199,"end":2631.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006361581385135651},{"word":"want","start":2631.2,"end":2631.3599,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.01887783594429493},{"word":"your","start":2631.3599,"end":2631.6,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.016921892762184143},{"word":"dad","start":2631.6,"end":2631.84,"confidence":1.0,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":-0.01748516410589218},{"word":"to","start":2631.84,"end":2632.0,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015030961483716965},{"word":"get","start":2632.0,"end":2632.08,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.02447793260216713},{"word":"your","start":2632.08,"end":2632.32,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.025862103328108788},{"word":"superannuation","start":2632.32,"end":2632.82,"confidence":0.9970703,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.00032054560142569244},{"word":"or","start":2633.1199,"end":2633.28,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01189996302127838},{"word":"your","start":2633.28,"end":2633.52,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02089586853981018},{"word":"children","start":2633.52,"end":2634.02,"confidence":1.0,"punctuated_word":"children?","sentiment":"neutral","sentiment_score":-0.01892521046102047},{"word":"yes","start":2636.16,"end":2636.64,"confidence":0.9460449,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03088926523923874},{"word":"yep","start":2636.64,"end":2637.045,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04717645049095154},{"word":"okay","start":2637.125,"end":2637.4448,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03817639499902725},{"word":"so","start":2637.4448,"end":2637.9248,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021684415638446808},{"word":"you","start":2637.9248,"end":2638.005,"confidence":0.8535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024986913427710533},{"word":"so","start":2638.2449,"end":2638.7249,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02117845229804516},{"word":"your","start":2638.7249,"end":2639.045,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.028798667713999748},{"word":"two","start":2639.045,"end":2639.285,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.03826666623353958},{"word":"children","start":2639.285,"end":2639.6848,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.04066663980484009},{"word":"being","start":2639.6848,"end":2639.9248,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.05091392248868942},{"word":"the","start":2639.9248,"end":2640.165,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0369742251932621},{"word":"beneficiaries","start":2640.165,"end":2640.665,"confidence":0.97998047,"punctuated_word":"beneficiaries?","sentiment":"neutral","sentiment_score":0.06006859242916107},{"word":"yep","start":2642.565,"end":2642.9648,"confidence":0.8078613,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07105155289173126},{"word":"okay","start":2642.9648,"end":2643.4648,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06230921298265457},{"word":"well","start":2643.845,"end":2644.005,"confidence":0.9824219,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05808047205209732},{"word":"we'll","start":2644.005,"end":2644.165,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.060926031321287155},{"word":"make","start":2644.165,"end":2644.405,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05585162341594696},{"word":"sure","start":2644.405,"end":2644.645,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06120290607213974},{"word":"those","start":2644.645,"end":2644.9648,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09598995745182036},{"word":"forms","start":2644.9648,"end":2645.365,"confidence":1.0,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.05040293931961059},{"word":"are","start":2645.365,"end":2645.525,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06575597822666168},{"word":"included","start":2645.525,"end":2646.005,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.09279928356409071},{"word":"in","start":2646.005,"end":2646.165,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07494039833545685},{"word":"the","start":2646.165,"end":2646.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08494941890239716},{"word":"pack","start":2646.325,"end":2646.825,"confidence":0.99902344,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.05661263316869736},{"word":"for","start":2647.765,"end":2648.005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.027330558747053143},{"word":"you","start":2648.005,"end":2648.505,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.02606070414185524},{"word":"the","start":2651.285,"end":2651.525,"confidence":0.95166016,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.008955337107181549},{"word":"next","start":2651.525,"end":2651.76,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0024679377675056458},{"word":"couple","start":2651.84,"end":2652.0,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.007833234965801239},{"word":"of","start":2652.0,"end":2652.16,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0007444322109222412},{"word":"pages","start":2652.16,"end":2652.66,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":-0.01788146421313286},{"word":"cover","start":2652.72,"end":2652.96,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.009794916957616806},{"word":"off","start":2652.96,"end":2653.28,"confidence":0.9921875,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.00966121256351471},{"word":"on","start":2653.28,"end":2653.78,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.011678412556648254},{"word":"why","start":2654.32,"end":2654.56,"confidence":0.99902344,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.017362337559461594},{"word":"you","start":2654.56,"end":2654.72,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.000040862709283828735},{"word":"should","start":2654.72,"end":2654.96,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.007177308201789856},{"word":"establish","start":2654.96,"end":2655.46,"confidence":1.0,"punctuated_word":"establish","sentiment":"neutral","sentiment_score":-0.003295429050922394},{"word":"a","start":2655.52,"end":2655.68,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004357930272817612},{"word":"will","start":2655.68,"end":2655.92,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.008623085916042328},{"word":"and","start":2655.92,"end":2656.08,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01127731427550316},{"word":"a","start":2656.08,"end":2656.24,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01451737992465496},{"word":"power","start":2656.24,"end":2656.48,"confidence":1.0,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.03832649439573288},{"word":"of","start":2656.48,"end":2656.64,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029376935213804245},{"word":"attorney","start":2656.64,"end":2657.14,"confidence":0.9885254,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":0.011527026072144508},{"word":"which","start":2657.2,"end":2657.52,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.021521206945180893},{"word":"we","start":2657.52,"end":2657.76,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.027739884331822395},{"word":"talked","start":2657.76,"end":2658.08,"confidence":0.87890625,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.0366709902882576},{"word":"through","start":2658.08,"end":2658.32,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.02039002627134323},{"word":"in","start":2658.32,"end":2658.48,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.010925598442554474},{"word":"our","start":2658.48,"end":2658.72,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.025888171046972275},{"word":"review","start":2658.72,"end":2659.22,"confidence":0.9838867,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.02277453988790512},{"word":"that's","start":2659.52,"end":2659.92,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.06357777118682861},{"word":"in","start":2659.92,"end":2660.08,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05123121291399002},{"word":"there","start":2660.08,"end":2660.32,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05000604689121246},{"word":"just","start":2660.32,"end":2660.56,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.050213415175676346},{"word":"to","start":2660.56,"end":2660.72,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033597782254219055},{"word":"give","start":2660.72,"end":2660.8801,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.03913883492350578},{"word":"you","start":2660.8801,"end":2661.12,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04837876558303833},{"word":"the","start":2661.12,"end":2661.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04625669866800308},{"word":"information","start":2661.36,"end":2661.86,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.02948279306292534},{"word":"there","start":2662.08,"end":2662.58,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03486843407154083},{"word":"page","start":2663.6,"end":2664.1,"confidence":0.99609375,"punctuated_word":"Page","sentiment":"neutral","sentiment_score":0.04214262217283249},{"word":"33","start":2664.24,"end":2665.585,"confidence":1.0,"punctuated_word":"33","sentiment":"neutral","sentiment_score":0.04321494325995445},{"word":"is","start":2665.585,"end":2665.905,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01773052290081978},{"word":"our","start":2665.905,"end":2666.225,"confidence":0.99316406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.028822381049394608},{"word":"ongoing","start":2666.225,"end":2666.705,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.07626667618751526},{"word":"services","start":2666.705,"end":2667.205,"confidence":0.9538574,"punctuated_word":"services.","sentiment":"neutral","sentiment_score":0.03741493821144104},{"word":"so","start":2667.2651,"end":2667.425,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05817319452762604},{"word":"this","start":2667.425,"end":2667.665,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0759786069393158},{"word":"is","start":2667.665,"end":2668.165,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.061469972133636475},{"word":"by","start":2669.5051,"end":2669.745,"confidence":0.5004883,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.08050043135881424},{"word":"being","start":2669.745,"end":2669.985,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.08321394771337509},{"word":"a","start":2669.985,"end":2670.0652,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0983147919178009},{"word":"client","start":2670.0652,"end":2670.465,"confidence":1.0,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.10915718227624892},{"word":"what","start":2670.465,"end":2670.705,"confidence":0.6230469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12685200572013855},{"word":"you","start":2670.705,"end":2670.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09068045765161514},{"word":"receive","start":2670.865,"end":2671.2651,"confidence":0.8461914,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.09829945117235184},{"word":"from","start":2671.2651,"end":2671.585,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0897054672241211},{"word":"us","start":2671.585,"end":2672.085,"confidence":0.99853516,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.0914732813835144},{"word":"like","start":2672.145,"end":2672.385,"confidence":1.0,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.08005549013614655},{"word":"i","start":2672.385,"end":2672.465,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08211788535118103},{"word":"mentioned","start":2672.465,"end":2672.965,"confidence":1.0,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.10638933628797533},{"word":"you're","start":2673.0251,"end":2673.345,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1048789843916893},{"word":"not","start":2673.345,"end":2673.8252,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.08413916081190109},{"word":"limited","start":2673.8252,"end":2674.3052,"confidence":1.0,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.042049407958984375},{"word":"to","start":2674.3052,"end":2674.385,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07118000090122223},{"word":"your","start":2674.385,"end":2674.625,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09403090178966522},{"word":"one","start":2674.625,"end":2674.865,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08793026953935623},{"word":"annual","start":2674.865,"end":2675.365,"confidence":0.9863281,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.0877641811966896},{"word":"review","start":2675.425,"end":2675.905,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.05344980210065842},{"word":"a","start":2675.905,"end":2676.0652,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07034160941839218},{"word":"year","start":2676.0652,"end":2676.5652,"confidence":0.99658203,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.07980313897132874},{"word":"we","start":2676.625,"end":2676.705,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.092039555311203},{"word":"have","start":2676.705,"end":2676.865,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09795724600553513},{"word":"an","start":2676.865,"end":2677.0251,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10979090631008148},{"word":"ongoing","start":2677.0251,"end":2677.5251,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10646548867225648},{"word":"relationship","start":2677.585,"end":2678.085,"confidence":0.94506836,"punctuated_word":"relationship.","sentiment":"neutral","sentiment_score":0.12715595960617063},{"word":"so","start":2678.225,"end":2678.5452,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10937561839818954},{"word":"as","start":2678.5452,"end":2678.79,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13702282309532166},{"word":"you","start":2680.07,"end":2680.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12260816991329192},{"word":"need","start":2680.31,"end":2680.6301,"confidence":0.65283203,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10500022768974304},{"word":"advice","start":2680.6301,"end":2681.11,"confidence":0.98535156,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1015901416540146},{"word":"or","start":2681.11,"end":2681.51,"confidence":0.96435547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13216422498226166},{"word":"if","start":2681.51,"end":2681.75,"confidence":0.4741211,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12416952848434448},{"word":"all","start":2681.75,"end":2681.99,"confidence":0.92578125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10513754189014436},{"word":"things","start":2681.99,"end":2682.31,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10247920453548431},{"word":"change","start":2682.31,"end":2682.81,"confidence":0.9975586,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.13493221998214722},{"word":"you","start":2682.87,"end":2683.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15344519913196564},{"word":"just","start":2683.19,"end":2683.43,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12690967321395874},{"word":"reach","start":2683.43,"end":2683.75,"confidence":0.99902344,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.13411845266819},{"word":"out","start":2683.75,"end":2684.07,"confidence":0.79052734,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.12684836983680725},{"word":"and","start":2684.07,"end":2684.3901,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1387917697429657},{"word":"we're","start":2684.3901,"end":2684.71,"confidence":0.9753418,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14250080287456512},{"word":"that's","start":2684.79,"end":2685.03,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1150091513991356},{"word":"what","start":2685.03,"end":2685.27,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10451343655586244},{"word":"we're","start":2685.27,"end":2685.59,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.13101178407669067},{"word":"here","start":2685.59,"end":2685.83,"confidence":0.9970703,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.14108224213123322},{"word":"for","start":2685.83,"end":2686.33,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13345780968666077},{"word":"to","start":2686.71,"end":2686.87,"confidence":0.7480469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1273018717765808},{"word":"provide","start":2686.87,"end":2687.35,"confidence":0.99902344,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.12539702653884888},{"word":"advice","start":2687.35,"end":2687.85,"confidence":0.9951172,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.11077939718961716},{"word":"the","start":2691.03,"end":2691.11,"confidence":0.92578125,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2687016427516937},{"word":"important","start":2691.11,"end":2691.59,"confidence":0.9951172,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.2348358929157257},{"word":"information","start":2691.59,"end":2692.09,"confidence":0.99609375,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.28544414043426514},{"word":"is","start":2692.3901,"end":2692.8901,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21112383902072904},{"word":"it","start":2693.19,"end":2693.35,"confidence":0.5654297,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20428672432899475},{"word":"just","start":2693.35,"end":2693.59,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16584083437919617},{"word":"outlines","start":2693.59,"end":2694.09,"confidence":0.9506836,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.15355423092842102},{"word":"the","start":2694.1501,"end":2694.23,"confidence":0.92089844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16564011573791504},{"word":"next","start":2694.23,"end":2694.495,"confidence":0.83203125,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1649264246225357},{"word":"steps","start":2694.655,"end":2695.155,"confidence":0.9104004,"punctuated_word":"steps,","sentiment":"neutral","sentiment_score":0.26032567024230957},{"word":"your","start":2695.695,"end":2696.0952,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2428358495235443},{"word":"reviews","start":2696.0952,"end":2696.495,"confidence":0.7841797,"punctuated_word":"reviews.","sentiment":"neutral","sentiment_score":0.17397372424602509},{"word":"so","start":2696.495,"end":2696.995,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1691267490386963},{"word":"participate","start":2697.455,"end":2697.955,"confidence":0.9819336,"punctuated_word":"participate","sentiment":"neutral","sentiment_score":0.1805915534496307},{"word":"in","start":2698.0151,"end":2698.175,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2130192220211029},{"word":"your","start":2698.175,"end":2698.415,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1708233803510666},{"word":"reviews","start":2698.415,"end":2698.8152,"confidence":0.99902344,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.15718431770801544},{"word":"because","start":2698.8152,"end":2699.215,"confidence":0.8371582,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.14985725283622742},{"word":"you","start":2699.215,"end":2699.695,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12673220038414},{"word":"know","start":2699.695,"end":2700.0151,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.14272461831569672},{"word":"like","start":2700.0151,"end":2700.2551,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.20568707585334775},{"word":"we","start":2700.2551,"end":2700.415,"confidence":0.9760742,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19293102622032168},{"word":"did","start":2700.415,"end":2700.655,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.18809616565704343},{"word":"this","start":2700.655,"end":2700.8152,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17694054543972015},{"word":"year","start":2700.8152,"end":2701.135,"confidence":0.99194336,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.1634010374546051},{"word":"we","start":2701.135,"end":2701.2952,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1712704747915268},{"word":"got","start":2701.2952,"end":2701.5352,"confidence":0.8510742,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1806022673845291},{"word":"a","start":2701.5352,"end":2701.6152,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1571134775876999},{"word":"lot","start":2701.6152,"end":2701.7751,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.15194755792617798},{"word":"we're","start":2701.8552,"end":2702.175,"confidence":0.9628906,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1325627863407135},{"word":"we're","start":2702.175,"end":2702.675,"confidence":0.98706055,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14484021067619324},{"word":"ticking","start":2702.895,"end":2703.215,"confidence":0.57128906,"punctuated_word":"ticking","sentiment":"neutral","sentiment_score":0.16364726424217224},{"word":"a","start":2703.215,"end":2703.2952,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13683752715587616},{"word":"lot","start":2703.2952,"end":2703.5352,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.14951743185520172},{"word":"of","start":2703.5352,"end":2703.6152,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11975055187940598},{"word":"boxes","start":2703.6152,"end":2704.0151,"confidence":1.0,"punctuated_word":"boxes","sentiment":"neutral","sentiment_score":0.1054134964942932},{"word":"off","start":2704.0151,"end":2704.5151,"confidence":0.78100586,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.07033202052116394},{"word":"product","start":2705.695,"end":2706.195,"confidence":0.99121094,"punctuated_word":"Product","sentiment":"neutral","sentiment_score":0.026255745440721512},{"word":"disclosure","start":2706.3352,"end":2706.8352,"confidence":0.9902344,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.03686309605836868},{"word":"statements","start":2706.975,"end":2707.475,"confidence":0.9770508,"punctuated_word":"statements,","sentiment":"neutral","sentiment_score":0.05794611573219299},{"word":"which","start":2707.6152,"end":2707.935,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08042632043361664},{"word":"i'll","start":2707.935,"end":2708.0952,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08497917652130127},{"word":"talk","start":2708.0952,"end":2708.3352,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.10464990139007568},{"word":"to","start":2708.3352,"end":2708.495,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11219201982021332},{"word":"in","start":2708.495,"end":2708.735,"confidence":0.9790039,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0868462473154068},{"word":"a","start":2708.735,"end":2708.85,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09583236277103424},{"word":"second","start":2709.01,"end":2709.51,"confidence":0.92407227,"punctuated_word":"second,","sentiment":"neutral","sentiment_score":0.10126924514770508},{"word":"our","start":2710.1301,"end":2710.53,"confidence":0.74902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08853546530008316},{"word":"privacy","start":2710.53,"end":2711.03,"confidence":1.0,"punctuated_word":"privacy","sentiment":"neutral","sentiment_score":0.1027369350194931},{"word":"policy","start":2711.1702,"end":2711.6702,"confidence":0.9375,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.08697114884853363},{"word":"so","start":2713.01,"end":2713.25,"confidence":0.9560547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0901847407221794},{"word":"they're","start":2713.25,"end":2713.57,"confidence":0.97436523,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.09805139154195786},{"word":"the","start":2713.57,"end":2713.8901,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10700073093175888},{"word":"all","start":2713.9702,"end":2714.2102,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10686181485652924},{"word":"the","start":2714.2102,"end":2714.37,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1083814650774002},{"word":"important","start":2714.37,"end":2714.77,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.07692719995975494},{"word":"little","start":2714.77,"end":2715.01,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.17678742110729218},{"word":"bits","start":2715.01,"end":2715.25,"confidence":0.99316406,"punctuated_word":"bits","sentiment":"neutral","sentiment_score":0.12534895539283752},{"word":"of","start":2715.25,"end":2715.49,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10093997418880464},{"word":"documentation","start":2715.49,"end":2715.99,"confidence":1.0,"punctuated_word":"documentation","sentiment":"neutral","sentiment_score":0.09404009580612184},{"word":"that","start":2716.1301,"end":2716.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1302829086780548},{"word":"you","start":2716.29,"end":2716.4502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12148936092853546},{"word":"need","start":2716.4502,"end":2716.6902,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.11990383267402648},{"word":"to","start":2716.6902,"end":2716.85,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11459365487098694},{"word":"be","start":2716.85,"end":2716.9302,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0945328176021576},{"word":"able","start":2716.9302,"end":2717.1702,"confidence":0.9970703,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1001746505498886},{"word":"to","start":2717.1702,"end":2717.33,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0925142914056778},{"word":"refer","start":2717.33,"end":2717.73,"confidence":1.0,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.05726220458745957},{"word":"to","start":2717.73,"end":2718.23,"confidence":0.99902344,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.08706605434417725},{"word":"the","start":2719.73,"end":2719.8901,"confidence":0.99316406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.017777137458324432},{"word":"next","start":2719.8901,"end":2720.29,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.005487065762281418},{"word":"page","start":2720.29,"end":2720.61,"confidence":0.98535156,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.017991214990615845},{"word":"is","start":2720.61,"end":2720.865,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.021575219929218292},{"word":"remuneration","start":2721.105,"end":2721.605,"confidence":0.9112549,"punctuated_word":"remuneration,","sentiment":"neutral","sentiment_score":0.021839138120412827},{"word":"so","start":2721.905,"end":2722.225,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.016605962067842484},{"word":"our","start":2722.225,"end":2722.545,"confidence":0.99121094,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.003111276775598526},{"word":"fees","start":2722.545,"end":2723.045,"confidence":0.9897461,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.007306020706892013},{"word":"our","start":2723.905,"end":2724.225,"confidence":0.70751953,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":-0.04502818360924721},{"word":"fee","start":2724.225,"end":2724.545,"confidence":0.88134766,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":-0.01768413931131363},{"word":"again","start":2724.545,"end":2725.045,"confidence":0.9980469,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.007402632385492325},{"word":"hasn't","start":2725.345,"end":2725.665,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.02770443633198738},{"word":"changed","start":2725.665,"end":2726.145,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.06722123920917511},{"word":"from","start":2726.145,"end":2726.385,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.05168711021542549},{"word":"when","start":2726.385,"end":2726.625,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.02399350330233574},{"word":"we","start":2726.625,"end":2726.785,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.009478408843278883},{"word":"spoke","start":2726.785,"end":2727.265,"confidence":1.0,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.011360585689544678},{"word":"last","start":2727.265,"end":2727.665,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.009618636220693588},{"word":"time","start":2727.665,"end":2728.165,"confidence":0.99902344,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.013976288959383965},{"word":"i","start":2728.305,"end":2728.385,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006591025739908218},{"word":"mean","start":2728.385,"end":2728.625,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0029411520808935165},{"word":"the","start":2728.625,"end":2728.785,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012125752866268158},{"word":"dollar","start":2728.785,"end":2729.025,"confidence":0.99316406,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":-0.023345455527305603},{"word":"fee","start":2729.025,"end":2729.265,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.008722975850105286},{"word":"might","start":2729.265,"end":2729.425,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.039084292948246},{"word":"have","start":2729.425,"end":2729.585,"confidence":0.9667969,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.011834342032670976},{"word":"changed","start":2729.585,"end":2729.905,"confidence":1.0,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.018572665750980377},{"word":"a","start":2729.905,"end":2730.065,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03332123905420303},{"word":"little","start":2730.065,"end":2730.225,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.020085755735635757},{"word":"bit","start":2730.225,"end":2730.465,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.039633531123399734},{"word":"depending","start":2730.465,"end":2730.865,"confidence":0.98828125,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.02027304098010063},{"word":"on","start":2730.865,"end":2731.025,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.010938450694084167},{"word":"the","start":2731.025,"end":2731.185,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019220225512981415},{"word":"balance","start":2731.185,"end":2731.685,"confidence":0.88623047,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":-0.01912195421755314},{"word":"but","start":2732.625,"end":2732.865,"confidence":0.98095703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.008500788360834122},{"word":"it's","start":2732.865,"end":2733.265,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.028722574934363365},{"word":"1.65%","start":2733.265,"end":2734.885,"confidence":0.9944824,"punctuated_word":"1.65%.","sentiment":"neutral","sentiment_score":-0.006302325986325741},{"word":"so","start":2734.945,"end":2735.345,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0042729564011096954},{"word":"ongoing","start":2735.345,"end":2735.845,"confidence":0.98461914,"punctuated_word":"ongoing,","sentiment":"neutral","sentiment_score":0.034900978207588196},{"word":"it","start":2735.985,"end":2736.145,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.00852685421705246},{"word":"would","start":2736.145,"end":2736.305,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.020075593143701553},{"word":"be","start":2736.305,"end":2736.6,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0038912445306777954},{"word":"$3,039","start":2736.6802,"end":2738.36,"confidence":0.9984375,"punctuated_word":"$3,039","sentiment":"neutral","sentiment_score":0.03833288699388504},{"word":"per","start":2738.36,"end":2738.52,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.02059954404830933},{"word":"year","start":2738.52,"end":2739.02,"confidence":0.8190918,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.03758317977190018},{"word":"and","start":2739.32,"end":2739.48,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03219517320394516},{"word":"then","start":2739.48,"end":2739.6401,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03851623460650444},{"word":"that's","start":2739.6401,"end":2739.9602,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.035492703318595886},{"word":"divided","start":2739.9602,"end":2740.4402,"confidence":1.0,"punctuated_word":"divided","sentiment":"neutral","sentiment_score":0.04290487989783287},{"word":"by","start":2740.4402,"end":2740.76,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.04166365414857864},{"word":"12","start":2740.76,"end":2741.08,"confidence":1.0,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.040870338678359985},{"word":"and","start":2741.08,"end":2741.32,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02412782236933708},{"word":"paid","start":2741.32,"end":2741.6401,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.048434264957904816},{"word":"monthly","start":2741.6401,"end":2742.1401,"confidence":1.0,"punctuated_word":"monthly.","sentiment":"neutral","sentiment_score":0.03313197195529938},{"word":"the","start":2746.12,"end":2746.28,"confidence":0.88427734,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.17359836399555206},{"word":"next","start":2746.28,"end":2746.52,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.17132946848869324},{"word":"page","start":2746.52,"end":2746.76,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.12335152179002762},{"word":"is","start":2746.76,"end":2746.9202,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12379788607358932},{"word":"the","start":2746.9202,"end":2747.1602,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1369892805814743},{"word":"authority","start":2747.1602,"end":2747.6401,"confidence":0.9980469,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.18711301684379575},{"word":"to","start":2747.6401,"end":2747.7202,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12356975674629211},{"word":"proceed","start":2747.7202,"end":2748.2202,"confidence":0.88427734,"punctuated_word":"proceed.","sentiment":"neutral","sentiment_score":0.14094489812850952},{"word":"so","start":2748.36,"end":2748.52,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13332463800907135},{"word":"that","start":2748.52,"end":2748.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17432402074337006},{"word":"just","start":2748.76,"end":2749.0,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19088822603225708},{"word":"gives","start":2749.0,"end":2749.24,"confidence":1.0,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.18845166265964508},{"word":"you","start":2749.24,"end":2749.4001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22675389051437375},{"word":"a","start":2749.4001,"end":2749.48,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2802444398403168},{"word":"very","start":2749.48,"end":2749.98,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.2800993323326111},{"word":"high","start":2750.655,"end":2750.895,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.3252139985561371},{"word":"level","start":2750.895,"end":2751.215,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.3294554054737091},{"word":"overview","start":2751.215,"end":2751.715,"confidence":1.0,"punctuated_word":"overview","sentiment":"neutral","sentiment_score":0.29963141679763794},{"word":"of","start":2751.7751,"end":2752.0151,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16814225912094116},{"word":"what","start":2752.0151,"end":2752.5151,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18329615890979767},{"word":"all","start":2752.655,"end":2752.895,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2077276706695557},{"word":"those","start":2752.895,"end":2753.215,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.25426366925239563},{"word":"things","start":2753.215,"end":2753.455,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.18760646879673004},{"word":"are","start":2753.455,"end":2753.615,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12705279886722565},{"word":"that","start":2753.615,"end":2753.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15656578540802002},{"word":"we","start":2753.855,"end":2753.935,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15783587098121643},{"word":"just","start":2753.935,"end":2754.175,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16229623556137085},{"word":"spoke","start":2754.175,"end":2754.495,"confidence":1.0,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.1553431898355484},{"word":"about","start":2754.495,"end":2754.995,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.20799840986728668},{"word":"and","start":2755.215,"end":2755.375,"confidence":0.92822266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1672646701335907},{"word":"what","start":2755.375,"end":2755.615,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17575007677078247},{"word":"page","start":2755.615,"end":2755.935,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1426517516374588},{"word":"number","start":2755.935,"end":2756.2551,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.14425572752952576},{"word":"you","start":2756.2551,"end":2756.415,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17034651339054108},{"word":"can","start":2756.415,"end":2756.735,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15794049203395844},{"word":"refer","start":2756.735,"end":2757.135,"confidence":1.0,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.10569454729557036},{"word":"to","start":2757.135,"end":2757.295,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1710105836391449},{"word":"it","start":2757.295,"end":2757.795,"confidence":0.99365234,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.171956866979599},{"word":"and","start":2759.7751,"end":2760.0151,"confidence":0.9892578,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.39964160323143005},{"word":"the","start":2760.0151,"end":2760.175,"confidence":0.9951172,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3816351294517517},{"word":"next","start":2760.175,"end":2760.495,"confidence":0.9970703,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.34710025787353516},{"word":"page","start":2760.495,"end":2760.815,"confidence":0.9873047,"punctuated_word":"page","sentiment":"positive","sentiment_score":0.39673998951911926},{"word":"again","start":2760.815,"end":2761.215,"confidence":0.6245117,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.43559399247169495},{"word":"is","start":2761.215,"end":2761.375,"confidence":0.97509766,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3701215088367462},{"word":"just","start":2761.375,"end":2761.615,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31091344356536865},{"word":"a","start":2761.615,"end":2761.695,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31939488649368286},{"word":"very","start":2761.695,"end":2762.175,"confidence":0.99609375,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.2909122705459595},{"word":"quick","start":2762.175,"end":2762.495,"confidence":0.99609375,"punctuated_word":"quick","sentiment":"positive","sentiment_score":0.4456607401371002},{"word":"summary","start":2762.495,"end":2762.975,"confidence":0.99902344,"punctuated_word":"summary","sentiment":"positive","sentiment_score":0.37807193398475647},{"word":"of","start":2762.975,"end":2763.135,"confidence":0.9921875,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4409043192863464},{"word":"the","start":2763.135,"end":2763.295,"confidence":0.9892578,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.46637800335884094},{"word":"remuneration","start":2763.295,"end":2763.795,"confidence":0.86035156,"punctuated_word":"remuneration.","sentiment":"positive","sentiment_score":0.3369640111923218},{"word":"so","start":2764.095,"end":2764.2551,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2586463391780853},{"word":"that","start":2764.2551,"end":2764.62,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3134143650531769},{"word":"same","start":2764.7002,"end":2764.86,"confidence":0.8647461,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.2858978807926178},{"word":"figure","start":2764.86,"end":2765.1,"confidence":0.9863281,"punctuated_word":"figure","sentiment":"positive","sentiment_score":0.3610929846763611},{"word":"again","start":2765.1,"end":2765.4202,"confidence":0.84277344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.31824398040771484},{"word":"paid","start":2765.4202,"end":2765.6602,"confidence":0.8276367,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.32829323410987854},{"word":"by","start":2765.6602,"end":2765.82,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.31213441491127014},{"word":"your","start":2765.82,"end":2766.06,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31086790561676025},{"word":"super","start":2766.06,"end":2766.56,"confidence":0.98828125,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.42576318979263306},{"word":"and","start":2767.1,"end":2767.26,"confidence":0.47143555,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2283221036195755},{"word":"then","start":2767.26,"end":2767.76,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.21811196208000183},{"word":"the","start":2767.9001,"end":2768.1401,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14973436295986176},{"word":"steps","start":2768.1401,"end":2768.62,"confidence":0.99902344,"punctuated_word":"steps","sentiment":"neutral","sentiment_score":0.21135474741458893},{"word":"to","start":2768.62,"end":2768.86,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21832780539989471},{"word":"implement","start":2768.86,"end":2769.36,"confidence":1.0,"punctuated_word":"implement","sentiment":"neutral","sentiment_score":0.16970355808734894},{"word":"our","start":2769.4202,"end":2769.7402,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.20770925283432007},{"word":"advice","start":2769.7402,"end":2770.2402,"confidence":0.9892578,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2734777331352234},{"word":"that","start":2771.5,"end":2771.7402,"confidence":0.9550781,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5592862367630005},{"word":"we","start":2771.7402,"end":2771.9001,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3206149637699127},{"word":"will","start":2771.9001,"end":2772.2202,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.30946803092956543},{"word":"take","start":2772.2202,"end":2772.7202,"confidence":0.98706055,"punctuated_word":"take.","sentiment":"positive","sentiment_score":0.3541014790534973},{"word":"then","start":2773.9802,"end":2774.3801,"confidence":0.91503906,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.04375447332859039},{"word":"the","start":2774.3801,"end":2774.54,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04047811776399613},{"word":"next","start":2774.54,"end":2774.86,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.020261848345398903},{"word":"page","start":2774.86,"end":2775.26,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.022480495274066925},{"word":"is","start":2775.26,"end":2775.5,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.031559884548187256},{"word":"the","start":2775.5,"end":2775.7402,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0406690314412117},{"word":"signature","start":2775.7402,"end":2776.2402,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.0026308298110961914},{"word":"page","start":2776.3,"end":2776.78,"confidence":0.99365234,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.023068921640515327},{"word":"you'll","start":2776.78,"end":2777.1,"confidence":0.9995117,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.016736000776290894},{"word":"notice","start":2777.1,"end":2777.6,"confidence":1.0,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.017892636358737946},{"word":"in","start":2778.0051,"end":2778.165,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0058985501527786255},{"word":"that","start":2778.405,"end":2778.645,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.006220091134309769},{"word":"there's","start":2778.645,"end":2779.145,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.01111977081745863},{"word":"a","start":2779.365,"end":2779.445,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014232827350497246},{"word":"large","start":2779.445,"end":2779.845,"confidence":1.0,"punctuated_word":"large","sentiment":"neutral","sentiment_score":-0.05435151606798172},{"word":"empty","start":2779.845,"end":2780.325,"confidence":0.97802734,"punctuated_word":"empty","sentiment":"neutral","sentiment_score":-0.06874312460422516},{"word":"area","start":2780.325,"end":2780.825,"confidence":0.9433594,"punctuated_word":"area.","sentiment":"neutral","sentiment_score":-0.06512750685214996},{"word":"if","start":2781.2852,"end":2781.5251,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.06437281519174576},{"word":"you","start":2781.5251,"end":2781.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1114065796136856},{"word":"don't","start":2781.685,"end":2781.845,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13095079362392426},{"word":"wanna","start":2781.845,"end":2782.245,"confidence":0.9086914,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.17270979285240173},{"word":"proceed","start":2782.245,"end":2782.745,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":-0.19486062228679657},{"word":"with","start":2782.8052,"end":2782.965,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.20120161771774292},{"word":"any","start":2782.965,"end":2783.445,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.13731834292411804},{"word":"of","start":2783.445,"end":2783.605,"confidence":0.88720703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1374462991952896},{"word":"our","start":2783.605,"end":2783.925,"confidence":0.94140625,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.0945826917886734},{"word":"advice","start":2783.925,"end":2784.245,"confidence":0.6854248,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":-0.1148623451590538},{"word":"so","start":2784.245,"end":2784.725,"confidence":0.921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.11437498778104782},{"word":"let's","start":2784.725,"end":2784.965,"confidence":0.9567871,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.07938773185014725},{"word":"say","start":2784.965,"end":2785.205,"confidence":0.8688965,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.05916404724121094},{"word":"for","start":2785.205,"end":2785.445,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09638743102550508},{"word":"example","start":2785.445,"end":2785.925,"confidence":0.9980469,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.06651964783668518},{"word":"you","start":2785.925,"end":2786.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08804591000080109},{"word":"decided","start":2786.165,"end":2786.665,"confidence":0.9921875,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":-0.0990479737520218},{"word":"i","start":2792.04,"end":2792.28,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0973990261554718},{"word":"i","start":2792.28,"end":2792.4402,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10930405557155608},{"word":"don't","start":2792.4402,"end":2792.6802,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11451186239719392},{"word":"want","start":2792.6802,"end":2792.9202,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.13684852421283722},{"word":"to","start":2792.9202,"end":2793.08,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12345604598522186},{"word":"roll","start":2793.08,"end":2793.2402,"confidence":1.0,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":-0.1300962269306183},{"word":"over","start":2793.2402,"end":2793.4802,"confidence":0.97998047,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.191093310713768},{"word":"my","start":2793.4802,"end":2793.6401,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09758418798446657},{"word":"q","start":2793.6401,"end":2793.8801,"confidence":0.9277344,"punctuated_word":"q","sentiment":"neutral","sentiment_score":-0.036219172179698944},{"word":"supra","start":2793.8801,"end":2794.2002,"confidence":0.7116699,"punctuated_word":"supra.","sentiment":"neutral","sentiment_score":-0.0999464988708496},{"word":"i","start":2794.2002,"end":2794.36,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.046499475836753845},{"word":"wanna","start":2794.36,"end":2794.6,"confidence":0.97265625,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.024556320160627365},{"word":"leave","start":2794.6,"end":2794.76,"confidence":0.9980469,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.06618295609951019},{"word":"it","start":2794.76,"end":2794.9202,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.032635241746902466},{"word":"where","start":2794.9202,"end":2795.08,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.04257194697856903},{"word":"it","start":2795.08,"end":2795.1602,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03294222801923752},{"word":"is","start":2795.1602,"end":2795.4802,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02011603862047195},{"word":"and","start":2795.4802,"end":2795.7202,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0232711061835289},{"word":"just","start":2795.7202,"end":2795.8801,"confidence":0.82128906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03638508915901184},{"word":"see","start":2795.8801,"end":2796.12,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.009290240705013275},{"word":"how","start":2796.12,"end":2796.28,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02007213234901428},{"word":"things","start":2796.28,"end":2796.6,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.04502376168966293},{"word":"go","start":2796.6,"end":2797.1,"confidence":0.9921875,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.005960850045084953},{"word":"you","start":2797.32,"end":2797.56,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.007076434791088104},{"word":"would","start":2797.56,"end":2797.8,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.002442173659801483},{"word":"write","start":2797.8,"end":2798.04,"confidence":1.0,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.005109116435050964},{"word":"that","start":2798.04,"end":2798.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0046637579798698425},{"word":"in","start":2798.28,"end":2798.52,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.003648921847343445},{"word":"that","start":2798.52,"end":2798.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03064599633216858},{"word":"section","start":2798.76,"end":2799.26,"confidence":0.8405762,"punctuated_word":"section.","sentiment":"neutral","sentiment_score":0.0239248163998127},{"word":"so","start":2799.32,"end":2799.4802,"confidence":0.8647461,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03367297723889351},{"word":"any","start":2799.4802,"end":2799.8,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01612149178981781},{"word":"changes","start":2799.8,"end":2800.28,"confidence":0.9658203,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.005781065672636032},{"word":"you'd","start":2800.28,"end":2800.52,"confidence":0.9970703,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.006458244286477566},{"word":"write","start":2800.52,"end":2800.76,"confidence":0.99902344,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.017208725214004517},{"word":"in","start":2800.76,"end":2800.9202,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02059481292963028},{"word":"that","start":2800.9202,"end":2801.1602,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013766586780548096},{"word":"section","start":2801.1602,"end":2801.56,"confidence":1.0,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.02689635753631592},{"word":"or","start":2801.56,"end":2801.8,"confidence":0.9560547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04492192715406418},{"word":"something","start":2801.8,"end":2802.04,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.07503408193588257},{"word":"you","start":2802.04,"end":2802.2002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0877244845032692},{"word":"didn't","start":2802.2002,"end":2802.4402,"confidence":0.9995117,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.032454296946525574},{"word":"wanna","start":2802.4402,"end":2802.76,"confidence":0.9707031,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.01922646537423134},{"word":"proceed","start":2802.76,"end":2803.08,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":-0.003658197820186615},{"word":"with","start":2803.08,"end":2803.58,"confidence":0.96972656,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.02315395697951317},{"word":"and","start":2803.8,"end":2803.9602,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03803965076804161},{"word":"then","start":2803.9602,"end":2804.12,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.057814981788396835},{"word":"you'd","start":2804.12,"end":2804.475,"confidence":1.0,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.03513107821345329},{"word":"sign","start":2804.475,"end":2804.715,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.019645221531391144},{"word":"it","start":2804.715,"end":2805.115,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.03306611254811287},{"word":"if","start":2805.115,"end":2805.355,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.01690833270549774},{"word":"you","start":2805.355,"end":2805.5151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020311590284109116},{"word":"wanted","start":2805.5151,"end":2805.7551,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.028683487325906754},{"word":"to","start":2805.7551,"end":2805.8352,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0329706072807312},{"word":"go","start":2805.8352,"end":2805.995,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05806732922792435},{"word":"ahead","start":2805.995,"end":2806.235,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.07034531980752945},{"word":"with","start":2806.235,"end":2806.395,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04150928556919098},{"word":"all","start":2806.395,"end":2806.635,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07716462016105652},{"word":"of","start":2806.635,"end":2806.715,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08039113879203796},{"word":"it","start":2806.715,"end":2807.0352,"confidence":1.0,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.07491548359394073},{"word":"you'd","start":2807.0352,"end":2807.355,"confidence":0.9321289,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.029596731066703796},{"word":"just","start":2807.355,"end":2807.5952,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0028800666332244873},{"word":"sign","start":2807.5952,"end":2807.7551,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.0008872337639331818},{"word":"it","start":2807.7551,"end":2807.915,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012531161308288574},{"word":"and","start":2807.915,"end":2808.0752,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03910263627767563},{"word":"put","start":2808.0752,"end":2808.3152,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.04581504687666893},{"word":"nothing","start":2808.3152,"end":2808.635,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.04937504604458809},{"word":"in","start":2808.635,"end":2808.7952,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04034586623311043},{"word":"that","start":2808.7952,"end":2809.0352,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016731254756450653},{"word":"section","start":2809.0352,"end":2809.5352,"confidence":1.0,"punctuated_word":"section.","sentiment":"neutral","sentiment_score":-0.002170924097299576},{"word":"any","start":2813.915,"end":2814.235,"confidence":0.9980469,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.01596582680940628},{"word":"questions","start":2814.235,"end":2814.735,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.02258081361651421},{"word":"about","start":2814.7952,"end":2815.115,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.024095937609672543},{"word":"the","start":2815.115,"end":2815.2751,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04316895455121994},{"word":"advice","start":2815.2751,"end":2815.675,"confidence":0.96777344,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.042682260274887085},{"word":"document","start":2815.675,"end":2816.175,"confidence":0.88623047,"punctuated_word":"document?","sentiment":"neutral","sentiment_score":0.028824958950281143},{"word":"no","start":2818.0752,"end":2818.475,"confidence":0.81591797,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.04200802743434906},{"word":"okay","start":2818.475,"end":2818.975,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.005789035931229591},{"word":"the","start":2819.61,"end":2819.77,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.006697196513414383},{"word":"next","start":2819.77,"end":2820.1702,"confidence":0.95947266,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.006616193801164627},{"word":"the","start":2820.1702,"end":2820.4102,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0204230397939682},{"word":"next","start":2820.4102,"end":2820.81,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.00942089967429638},{"word":"document","start":2820.81,"end":2821.29,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.021104585379362103},{"word":"is","start":2821.29,"end":2821.79,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.036417022347450256},{"word":"the","start":2822.33,"end":2822.57,"confidence":0.7705078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04873412847518921},{"word":"appendix","start":2822.57,"end":2823.07,"confidence":1.0,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.028421780094504356},{"word":"to","start":2823.2102,"end":2823.37,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04247523099184036},{"word":"the","start":2823.37,"end":2823.61,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04077771306037903},{"word":"statement","start":2823.61,"end":2824.09,"confidence":1.0,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.06612132489681244},{"word":"of","start":2824.09,"end":2824.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08396123349666595},{"word":"advice","start":2824.25,"end":2824.75,"confidence":0.970459,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.032621778547763824},{"word":"so","start":2825.53,"end":2825.77,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04601682350039482},{"word":"the","start":2825.77,"end":2825.9302,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05811335518956184},{"word":"first","start":2825.9302,"end":2826.25,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.04328650236129761},{"word":"page","start":2826.25,"end":2826.4902,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.03463101387023926},{"word":"and","start":2826.4902,"end":2826.7302,"confidence":0.93359375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.045520879328250885},{"word":"the","start":2826.7302,"end":2826.81,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.042967963963747025},{"word":"second","start":2826.81,"end":2827.2102,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.04274437576532364},{"word":"page","start":2827.2102,"end":2827.53,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.026790771633386612},{"word":"is","start":2827.53,"end":2827.6902,"confidence":0.88793945,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.03668931871652603},{"word":"again","start":2827.6902,"end":2828.01,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.04475926607847214},{"word":"a","start":2828.01,"end":2828.1702,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.045410774648189545},{"word":"cover","start":2828.1702,"end":2828.4102,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.033568236976861954},{"word":"page","start":2828.4102,"end":2828.6501,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.027919456362724304},{"word":"and","start":2828.6501,"end":2828.81,"confidence":0.9111328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02962341159582138},{"word":"a","start":2828.81,"end":2828.9702,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04188128188252449},{"word":"table","start":2828.9702,"end":2829.2102,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.049679506570100784},{"word":"of","start":2829.2102,"end":2829.37,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05014318227767944},{"word":"contents","start":2829.37,"end":2829.87,"confidence":0.95751953,"punctuated_word":"contents.","sentiment":"neutral","sentiment_score":0.02240753173828125},{"word":"the","start":2832.01,"end":2832.1702,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03875361382961273},{"word":"third","start":2832.1702,"end":2832.57,"confidence":1.0,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.04747851565480232},{"word":"page","start":2832.57,"end":2833.05,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.036878734827041626},{"word":"is","start":2833.05,"end":2833.37,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04405559226870537},{"word":"a","start":2833.37,"end":2833.61,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05149750038981438},{"word":"breakdown","start":2833.61,"end":2834.09,"confidence":0.99902344,"punctuated_word":"breakdown","sentiment":"neutral","sentiment_score":0.05300143361091614},{"word":"of","start":2834.09,"end":2834.33,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.051673874258995056},{"word":"risk","start":2834.33,"end":2834.6501,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.036223120987415314},{"word":"profiles","start":2834.6501,"end":2835.1501,"confidence":0.6845703,"punctuated_word":"profiles.","sentiment":"neutral","sentiment_score":0.029875632375478745},{"word":"so","start":2835.2102,"end":2835.345,"confidence":0.77441406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04721629619598389},{"word":"so","start":2835.505,"end":2835.7449,"confidence":0.97998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05773549526929855},{"word":"you've","start":2835.7449,"end":2835.825,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05518875271081925},{"word":"got","start":2835.825,"end":2836.145,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05445953831076622},{"word":"your","start":2836.145,"end":2836.385,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05341677740216255},{"word":"gross","start":2836.385,"end":2836.865,"confidence":0.7260742,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.07144489139318466},{"word":"sitting","start":2836.865,"end":2837.105,"confidence":0.99902344,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.08585160225629807},{"word":"in","start":2837.105,"end":2837.185,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05722657963633537},{"word":"the","start":2837.185,"end":2837.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0618988573551178},{"word":"mid","start":2837.345,"end":2837.665,"confidence":0.45458984,"punctuated_word":"mid","sentiment":"neutral","sentiment_score":0.06485161185264587},{"word":"middle","start":2837.825,"end":2838.065,"confidence":0.99609375,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.07924564927816391},{"word":"there","start":2838.065,"end":2838.565,"confidence":0.8474121,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.06398596614599228},{"word":"and","start":2838.705,"end":2838.865,"confidence":0.89697266,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.06522002071142197},{"word":"again","start":2838.865,"end":2839.185,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.07015625387430191},{"word":"that","start":2839.185,"end":2839.425,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10069326311349867},{"word":"just","start":2839.425,"end":2839.665,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07528667151927948},{"word":"shows","start":2839.665,"end":2839.9849,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.06141747534275055},{"word":"you","start":2839.9849,"end":2840.465,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08913102000951767},{"word":"where","start":2840.465,"end":2840.945,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08111417293548584},{"word":"we","start":2840.945,"end":2841.265,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10106876492500304},{"word":"allocate","start":2841.265,"end":2841.7449,"confidence":0.9980469,"punctuated_word":"allocate","sentiment":"neutral","sentiment_score":0.09216172993183136},{"word":"most","start":2841.7449,"end":2842.065,"confidence":0.99902344,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.08388806879520416},{"word":"of","start":2842.065,"end":2842.145,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08429794013500214},{"word":"your","start":2842.145,"end":2842.385,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08413374423980713},{"word":"funds","start":2842.385,"end":2842.705,"confidence":0.9946289,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.06555883586406708},{"word":"so","start":2842.705,"end":2842.865,"confidence":0.9538574,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.09140922129154204},{"word":"again","start":2842.865,"end":2843.265,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.08816340565681458},{"word":"80%","start":2843.265,"end":2843.905,"confidence":0.99853516,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.08366124331951141},{"word":"to","start":2843.905,"end":2844.065,"confidence":0.82958984,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07663552463054657},{"word":"gross","start":2844.065,"end":2844.565,"confidence":0.8894043,"punctuated_word":"gross,","sentiment":"neutral","sentiment_score":0.08577731996774673},{"word":"20%","start":2844.705,"end":2845.505,"confidence":0.98950195,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.1081843599677086},{"word":"to","start":2845.505,"end":2845.665,"confidence":0.92578125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09828619658946992},{"word":"defensive","start":2845.665,"end":2846.165,"confidence":0.97753906,"punctuated_word":"defensive,","sentiment":"neutral","sentiment_score":0.07757364213466644},{"word":"and","start":2846.305,"end":2846.545,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08642185479402542},{"word":"then","start":2846.545,"end":2847.045,"confidence":0.99316406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11306162178516388},{"word":"breaks","start":2847.265,"end":2847.585,"confidence":0.9741211,"punctuated_word":"breaks","sentiment":"neutral","sentiment_score":0.1256460398435593},{"word":"it","start":2847.585,"end":2847.7449,"confidence":0.9550781,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09381815046072006},{"word":"down","start":2847.7449,"end":2848.065,"confidence":0.9892578,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0924851819872856},{"word":"where","start":2848.065,"end":2848.305,"confidence":0.97802734,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08156490325927734},{"word":"we","start":2848.305,"end":2848.465,"confidence":0.9760742,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08974689990282059},{"word":"would","start":2848.465,"end":2848.705,"confidence":0.96972656,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09790350496768951},{"word":"typically","start":2848.705,"end":2849.205,"confidence":0.9902344,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.07659678161144257},{"word":"invest","start":2849.265,"end":2849.2998,"confidence":0.9448242,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.0536666065454483},{"word":"across","start":2849.2998,"end":2849.335,"confidence":0.9526367,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.07435902953147888},{"word":"the","start":2849.335,"end":2849.585,"confidence":0.59814453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05291944369673729},{"word":"different","start":2849.585,"end":2849.835,"confidence":0.77246094,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.059890251606702805},{"word":"sectors","start":2849.835,"end":2850.335,"confidence":0.88305664,"punctuated_word":"sectors.","sentiment":"neutral","sentiment_score":0.03807328641414642},{"word":"important","start":2855.96,"end":2856.36,"confidence":0.99609375,"punctuated_word":"Important","sentiment":"neutral","sentiment_score":0.08439861238002777},{"word":"relationships","start":2856.36,"end":2856.86,"confidence":0.9951172,"punctuated_word":"relationships","sentiment":"neutral","sentiment_score":0.11169381439685822},{"word":"and","start":2857.0,"end":2857.24,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1375163048505783},{"word":"information","start":2857.24,"end":2857.74,"confidence":0.7944336,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.19084760546684265},{"word":"so","start":2857.8,"end":2858.04,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1079082489013672},{"word":"the","start":2858.04,"end":2858.2,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07808168232440948},{"word":"content","start":2858.2,"end":2858.6,"confidence":0.9428711,"punctuated_word":"content","sentiment":"neutral","sentiment_score":0.07907268404960632},{"word":"of","start":2858.6,"end":2858.76,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06757466495037079},{"word":"the","start":2858.76,"end":2858.9202,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08073041588068008},{"word":"soa","start":2858.9202,"end":2859.32,"confidence":0.9946289,"punctuated_word":"SOA","sentiment":"neutral","sentiment_score":0.08676259219646454},{"word":"is","start":2859.32,"end":2859.56,"confidence":0.9819336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06898826360702515},{"word":"just","start":2859.56,"end":2859.8,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08606249839067459},{"word":"based","start":2859.8,"end":2859.96,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.08089251071214676},{"word":"on","start":2859.96,"end":2860.12,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08259142935276031},{"word":"the","start":2860.12,"end":2860.2,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0842745304107666},{"word":"information","start":2860.2,"end":2860.6802,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.09401114284992218},{"word":"you've","start":2860.6802,"end":2861.0,"confidence":0.95458984,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0993625670671463},{"word":"given","start":2861.0,"end":2861.32,"confidence":1.0,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.09637781232595444},{"word":"me","start":2861.32,"end":2861.82,"confidence":0.9875488,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.06753730028867722},{"word":"the","start":2863.0,"end":2863.335,"confidence":0.9658203,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.028194338083267212},{"word":"currency","start":2863.4949,"end":2863.7349,"confidence":0.9941406,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.0043402910232543945},{"word":"of","start":2863.7349,"end":2863.815,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03265802562236786},{"word":"the","start":2863.815,"end":2863.9749,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015296854078769684},{"word":"soa","start":2863.9749,"end":2864.455,"confidence":0.98999023,"punctuated_word":"SOA","sentiment":"neutral","sentiment_score":0.007356785237789154},{"word":"is","start":2864.455,"end":2864.695,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02477462962269783},{"word":"sixty","start":2864.695,"end":2865.095,"confidence":1.0,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":-0.023177925497293472},{"word":"days","start":2865.095,"end":2865.595,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.0008415356278419495},{"word":"from","start":2865.9749,"end":2866.2148,"confidence":0.99121094,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.010180432349443436},{"word":"the","start":2866.2148,"end":2866.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012256726622581482},{"word":"date","start":2866.295,"end":2866.535,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.009241439402103424},{"word":"of","start":2866.535,"end":2866.695,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.027008257806301117},{"word":"the","start":2866.695,"end":2866.935,"confidence":0.90771484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01730244979262352},{"word":"soa","start":2866.935,"end":2867.435,"confidence":0.97298175,"punctuated_word":"SOA.","sentiment":"neutral","sentiment_score":-0.0103257168084383},{"word":"no","start":2869.575,"end":2869.815,"confidence":0.9658203,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.3133507966995239},{"word":"product","start":2869.815,"end":2870.2148,"confidence":0.99609375,"punctuated_word":"product","sentiment":"neutral","sentiment_score":-0.2655559182167053},{"word":"guarantee","start":2870.2148,"end":2870.7148,"confidence":0.6159668,"punctuated_word":"guarantee.","sentiment":"neutral","sentiment_score":-0.2119917124509811},{"word":"so","start":2870.775,"end":2871.275,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17224760353565216},{"word":"like","start":2871.335,"end":2871.4949,"confidence":0.6977539,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2146703600883484},{"word":"anything","start":2871.4949,"end":2871.9949,"confidence":0.9970703,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":-0.18724405765533447},{"word":"we","start":2872.615,"end":2872.775,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12296415865421297},{"word":"don't","start":2872.775,"end":2873.275,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.17639976739883423},{"word":"say","start":2873.655,"end":2873.895,"confidence":0.99609375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.1774353384971619},{"word":"that","start":2873.895,"end":2874.055,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20194274187088013},{"word":"it's","start":2874.055,"end":2874.295,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.21834564208984375},{"word":"going","start":2874.295,"end":2874.535,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.2577517628669739},{"word":"to","start":2874.535,"end":2875.035,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.26276981830596924},{"word":"perform","start":2875.895,"end":2876.395,"confidence":0.99902344,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.21308572590351105},{"word":"and","start":2876.535,"end":2876.695,"confidence":0.9135742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3006499111652374},{"word":"do","start":2876.695,"end":2876.855,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.33098942041397095},{"word":"20%","start":2876.855,"end":2877.575,"confidence":0.9980469,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.3287994861602783},{"word":"and","start":2877.575,"end":2877.87,"confidence":0.95947266,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3873714804649353},{"word":"make","start":2877.9502,"end":2878.11,"confidence":0.90625,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.4389685988426209},{"word":"promises","start":2878.11,"end":2878.35,"confidence":1.0,"punctuated_word":"promises","sentiment":"negative","sentiment_score":-0.44761982560157776},{"word":"that","start":2878.35,"end":2878.59,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3440384864807129},{"word":"we","start":2878.59,"end":2878.83,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.3146685063838959},{"word":"can't","start":2878.83,"end":2879.33,"confidence":0.99853516,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.296295166015625},{"word":"keep","start":2880.03,"end":2880.53,"confidence":0.8244629,"punctuated_word":"keep,","sentiment":"neutral","sentiment_score":-0.24956226348876953},{"word":"we","start":2881.31,"end":2881.4702,"confidence":0.74658203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2442617565393448},{"word":"just","start":2881.4702,"end":2881.9502,"confidence":0.9980469,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.36145561933517456},{"word":"continue","start":2881.9502,"end":2882.35,"confidence":1.0,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.3088012635707855},{"word":"to","start":2882.35,"end":2882.85,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3165362477302551},{"word":"review","start":2883.2302,"end":2883.6301,"confidence":0.9550781,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.3895619809627533},{"word":"and","start":2883.6301,"end":2883.79,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3056476414203644},{"word":"make","start":2883.79,"end":2884.03,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3840799331665039},{"word":"sure","start":2884.03,"end":2884.27,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.44138917326927185},{"word":"that","start":2884.27,"end":2884.77,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4265265166759491},{"word":"everything","start":2885.07,"end":2885.55,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4896310865879059},{"word":"remains","start":2885.55,"end":2885.9502,"confidence":1.0,"punctuated_word":"remains","sentiment":"neutral","sentiment_score":0.32930323481559753},{"word":"on","start":2885.9502,"end":2886.03,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4346701204776764},{"word":"track","start":2886.03,"end":2886.27,"confidence":0.99902344,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.423419326543808},{"word":"and","start":2886.27,"end":2886.4302,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3612213432788849},{"word":"is","start":2886.4302,"end":2886.59,"confidence":0.9941406,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.46220535039901733},{"word":"in","start":2886.59,"end":2886.75,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.48556292057037354},{"word":"line","start":2886.75,"end":2886.9102,"confidence":0.9863281,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.5466011762619019},{"word":"with","start":2886.9102,"end":2887.1501,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5968742966651917},{"word":"your","start":2887.1501,"end":2887.31,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5481772422790527},{"word":"goals","start":2887.31,"end":2887.81,"confidence":0.9914551,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.1223679706454277},{"word":"the","start":2891.3901,"end":2891.55,"confidence":0.97314453,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2099033147096634},{"word":"next","start":2891.55,"end":2892.05,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.16870106756687164},{"word":"page","start":2892.27,"end":2892.77,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.18378868699073792},{"word":"is","start":2892.9902,"end":2893.2302,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2093224823474884},{"word":"where","start":2893.2302,"end":2893.55,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2615337669849396},{"word":"you'll","start":2893.55,"end":2893.845,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.18922024965286255},{"word":"see","start":2893.925,"end":2894.325,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22961212694644928},{"word":"links","start":2894.325,"end":2894.645,"confidence":1.0,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.20729421079158783},{"word":"to","start":2894.645,"end":2894.885,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2481181025505066},{"word":"the","start":2894.885,"end":2895.045,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19899126887321472},{"word":"investment","start":2895.045,"end":2895.525,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13745097815990448},{"word":"pdfs","start":2895.525,"end":2896.025,"confidence":0.79866534,"punctuated_word":"PDFs.","sentiment":"neutral","sentiment_score":0.1424030065536499},{"word":"so","start":2896.325,"end":2896.565,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12053664028644562},{"word":"they're","start":2896.565,"end":2896.885,"confidence":0.99560547,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.12186383455991744},{"word":"your","start":2896.885,"end":2897.385,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14732159674167633},{"word":"investment","start":2898.7249,"end":2899.2249,"confidence":0.8935547,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09651891142129898},{"word":"funds","start":2899.365,"end":2899.685,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.092534177005291},{"word":"that","start":2899.685,"end":2899.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13910721242427826},{"word":"we've","start":2899.845,"end":2900.085,"confidence":0.93969727,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.16463243961334229},{"word":"recommended","start":2900.085,"end":2900.565,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.1571687012910843},{"word":"in","start":2900.565,"end":2900.805,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17134438455104828},{"word":"hub","start":2900.805,"end":2901.125,"confidence":0.6855469,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.14613217115402222},{"word":"twenty","start":2901.125,"end":2901.445,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.12839210033416748},{"word":"four","start":2901.445,"end":2901.945,"confidence":0.9033203,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.11298003792762756},{"word":"so","start":2902.005,"end":2902.165,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11173776537179948},{"word":"they're","start":2902.165,"end":2902.4849,"confidence":0.7421875,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.12286298722028732},{"word":"links","start":2902.4849,"end":2902.885,"confidence":0.8798828,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.1898920238018036},{"word":"to","start":2902.885,"end":2903.045,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18922974169254303},{"word":"them","start":2903.045,"end":2903.365,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.14046049118041992},{"word":"if","start":2903.365,"end":2903.525,"confidence":0.87597656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1369859278202057},{"word":"you","start":2903.525,"end":2903.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15093334019184113},{"word":"would","start":2903.685,"end":2903.925,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11219312995672226},{"word":"like","start":2903.925,"end":2904.165,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09781783074140547},{"word":"to","start":2904.165,"end":2904.325,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11309096962213516},{"word":"have","start":2904.325,"end":2904.4849,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10834406316280364},{"word":"a","start":2904.4849,"end":2904.565,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1391240954399109},{"word":"read","start":2904.565,"end":2904.885,"confidence":0.9003906,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.18354125320911407},{"word":"of","start":2904.885,"end":2905.045,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17079216241836548},{"word":"those","start":2905.045,"end":2905.545,"confidence":0.9995117,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.12784670293331146},{"word":"the","start":2906.7249,"end":2906.885,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.08945158869028091},{"word":"next","start":2906.885,"end":2907.285,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08164796978235245},{"word":"document","start":2907.285,"end":2907.785,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.07435807585716248},{"word":"explains","start":2908.325,"end":2908.825,"confidence":1.0,"punctuated_word":"explains","sentiment":"neutral","sentiment_score":0.07402699440717697},{"word":"how","start":2909.2,"end":2909.36,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06705787032842636},{"word":"we","start":2909.36,"end":2909.52,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07742514461278915},{"word":"calculate","start":2909.52,"end":2910.02,"confidence":1.0,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":0.0659625306725502},{"word":"our","start":2910.24,"end":2910.74,"confidence":0.9951172,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0750398188829422},{"word":"investment","start":2911.04,"end":2911.54,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06369892507791519},{"word":"return","start":2911.6,"end":2912.1,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.13173621892929077},{"word":"methodology","start":2912.4001,"end":2912.9001,"confidence":0.78808594,"punctuated_word":"methodology,","sentiment":"neutral","sentiment_score":0.07846210896968842},{"word":"showing","start":2914.4001,"end":2914.72,"confidence":0.9980469,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.08977095782756805},{"word":"you","start":2914.72,"end":2914.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.121676966547966},{"word":"that","start":2914.96,"end":2915.36,"confidence":0.8864746,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.08807474374771118},{"word":"it's","start":2917.2,"end":2917.52,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06893297284841537},{"word":"not","start":2917.52,"end":2918.02,"confidence":0.8901367,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.02570866048336029},{"word":"overinflated","start":2919.92,"end":2920.42,"confidence":0.9838867,"punctuated_word":"overinflated,","sentiment":"neutral","sentiment_score":0.0010678607504814863},{"word":"let's","start":2920.96,"end":2921.28,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.04393235594034195},{"word":"say","start":2921.28,"end":2921.78,"confidence":0.99609375,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":0.04869649559259415},{"word":"and","start":2924.385,"end":2924.625,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19398733973503113},{"word":"then","start":2924.625,"end":2924.7852,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2162356972694397},{"word":"the","start":2924.7852,"end":2925.0251,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27475568652153015},{"word":"last","start":2925.0251,"end":2925.5251,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2125718295574188},{"word":"page","start":2925.905,"end":2926.405,"confidence":0.74780273,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.1812753975391388},{"word":"two","start":2926.5452,"end":2926.7852,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.19718928635120392},{"word":"pages","start":2926.7852,"end":2927.2852,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.15571603178977966},{"word":"cover","start":2927.345,"end":2927.665,"confidence":0.8178711,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1312679648399353},{"word":"off","start":2927.665,"end":2927.825,"confidence":0.95166016,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.12504978477954865},{"word":"on","start":2927.825,"end":2928.225,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.178641676902771},{"word":"what","start":2928.225,"end":2928.5452,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.23360703885555267},{"word":"life","start":2928.5452,"end":2928.865,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.2068217396736145},{"word":"insurance","start":2928.865,"end":2929.365,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.2180419415235519},{"word":"through","start":2929.425,"end":2929.665,"confidence":0.8051758,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1926470696926117},{"word":"superannuation","start":2929.665,"end":2930.165,"confidence":0.9944661,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.3063020408153534},{"word":"is","start":2930.465,"end":2930.865,"confidence":0.98339844,"punctuated_word":"is,","sentiment":"positive","sentiment_score":0.33718422055244446},{"word":"which","start":2930.865,"end":2931.365,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.412804663181305},{"word":"i'm","start":2931.665,"end":2932.165,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5160698294639587},{"word":"i'm","start":2932.625,"end":2932.945,"confidence":0.9785156,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5622779130935669},{"word":"pretty","start":2932.945,"end":2933.185,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.49407994747161865},{"word":"confident","start":2933.185,"end":2933.665,"confidence":1.0,"punctuated_word":"confident","sentiment":"positive","sentiment_score":0.40767332911491394},{"word":"you're","start":2933.665,"end":2933.905,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.49661344289779663},{"word":"all","start":2933.905,"end":2934.065,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.45335453748703},{"word":"over","start":2934.065,"end":2934.385,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5204162001609802},{"word":"because","start":2934.385,"end":2934.885,"confidence":0.95166016,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3859063386917114},{"word":"you've","start":2935.105,"end":2935.425,"confidence":1.0,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.4094705581665039},{"word":"had","start":2935.425,"end":2935.585,"confidence":1.0,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.390099972486496},{"word":"it","start":2935.585,"end":2935.86,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3993164598941803},{"word":"that","start":2935.86,"end":2936.02,"confidence":0.9614258,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35530999302864075},{"word":"way","start":2936.02,"end":2936.1802,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3763757348060608},{"word":"for","start":2936.1802,"end":2936.34,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2483466863632202},{"word":"many","start":2936.34,"end":2936.58,"confidence":0.9650879,"punctuated_word":"many,","sentiment":"neutral","sentiment_score":0.2585819959640503},{"word":"many","start":2936.58,"end":2936.9802,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.29339519143104553},{"word":"years","start":2936.9802,"end":2937.4802,"confidence":0.9995117,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.21418705582618713},{"word":"the","start":2940.5,"end":2940.74,"confidence":0.84716797,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10662546008825302},{"word":"next","start":2940.74,"end":2941.06,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09179611504077911},{"word":"lot","start":2941.06,"end":2941.3,"confidence":0.8745117,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.09825973212718964},{"word":"of","start":2941.3,"end":2941.3801,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09596288204193117},{"word":"documents","start":2941.3801,"end":2941.8801,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.07882510125637054},{"word":"in","start":2941.9402,"end":2942.02,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09405265748500824},{"word":"the","start":2942.02,"end":2942.1802,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0998072400689125},{"word":"pack","start":2942.1802,"end":2942.6802,"confidence":0.9863281,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.0930187925696373},{"word":"is","start":2943.4602,"end":2943.9602,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06562454998493195},{"word":"oh","start":2947.1401,"end":2947.3,"confidence":0.9951172,"punctuated_word":"oh","sentiment":"neutral","sentiment_score":0.09885083884000778},{"word":"gosh","start":2947.3,"end":2947.7002,"confidence":0.8572591,"punctuated_word":"gosh.","sentiment":"neutral","sentiment_score":0.07353828847408295},{"word":"that's","start":2947.7002,"end":2947.9402,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03983859345316887},{"word":"it","start":2947.9402,"end":2948.4402,"confidence":0.8947754,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05755256116390228},{"word":"because","start":2948.6602,"end":2949.06,"confidence":0.9838867,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.03675197064876557},{"word":"your","start":2949.06,"end":2949.56,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06471969187259674},{"word":"financial","start":2950.215,"end":2950.615,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.06039935350418091},{"word":"services","start":2950.615,"end":2951.115,"confidence":1.0,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.05628124624490738},{"word":"guide","start":2951.175,"end":2951.675,"confidence":0.8618164,"punctuated_word":"guide,","sentiment":"neutral","sentiment_score":0.060812681913375854},{"word":"we","start":2951.735,"end":2951.895,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.061327818781137466},{"word":"gave","start":2951.895,"end":2952.2952,"confidence":1.0,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.06555258482694626},{"word":"to","start":2952.2952,"end":2952.455,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07019266486167908},{"word":"you","start":2952.455,"end":2952.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0666443407535553},{"word":"previously","start":2952.695,"end":2953.195,"confidence":0.99902344,"punctuated_word":"previously","sentiment":"neutral","sentiment_score":0.0789664089679718},{"word":"in","start":2955.3352,"end":2955.5752,"confidence":0.7495117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11215102672576904},{"word":"our","start":2955.5752,"end":2955.8152,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.11601223796606064},{"word":"review","start":2955.8152,"end":2956.3152,"confidence":0.7595215,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.09744187444448472},{"word":"and","start":2956.695,"end":2956.935,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10458261519670486},{"word":"the","start":2956.935,"end":2957.175,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10272915661334991},{"word":"product","start":2957.175,"end":2957.5752,"confidence":0.9980469,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.05807556211948395},{"word":"disclosure","start":2957.5752,"end":2958.0752,"confidence":1.0,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.07837311923503876},{"word":"statements","start":2958.215,"end":2958.715,"confidence":0.9892578,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":0.07982614636421204},{"word":"will","start":2958.7751,"end":2959.0151,"confidence":0.5878906,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10678279399871826},{"word":"make","start":2959.0151,"end":2959.175,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10415789484977722},{"word":"sure","start":2959.175,"end":2959.415,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.09360936284065248},{"word":"that","start":2959.415,"end":2959.5752,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11098332703113556},{"word":"we","start":2959.5752,"end":2959.655,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09736054390668868},{"word":"get","start":2959.655,"end":2959.975,"confidence":0.9819336,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08785050362348557},{"word":"in","start":2959.975,"end":2960.135,"confidence":0.7495117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0938723087310791},{"word":"the","start":2960.855,"end":2961.0952,"confidence":0.5317383,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13845029473304749},{"word":"the","start":2961.0952,"end":2961.2551,"confidence":0.921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13156765699386597},{"word":"hub","start":2961.2551,"end":2961.735,"confidence":0.78027344,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.09146475046873093},{"word":"twenty","start":2961.735,"end":2962.0552,"confidence":0.99121094,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.11795927584171297},{"word":"four","start":2962.0552,"end":2962.2952,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.10191603749990465},{"word":"ones","start":2962.2952,"end":2962.7751,"confidence":0.9160156,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.10285921394824982},{"word":"emailed","start":2962.7751,"end":2963.175,"confidence":0.98095703,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.1327703893184662},{"word":"out","start":2963.175,"end":2963.43,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.13467533886432648},{"word":"to","start":2963.43,"end":2963.8298,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1375647783279419},{"word":"you","start":2963.8298,"end":2964.3298,"confidence":0.8786621,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.10516905039548874},{"word":"although","start":2964.55,"end":2964.95,"confidence":0.84765625,"punctuated_word":"although","sentiment":"neutral","sentiment_score":0.05678873509168625},{"word":"they","start":2964.95,"end":2965.1099,"confidence":0.96240234,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05029074102640152},{"word":"haven't","start":2965.1099,"end":2965.43,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.036027584224939346},{"word":"changed","start":2965.43,"end":2965.8298,"confidence":1.0,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.030388347804546356},{"word":"since","start":2965.8298,"end":2966.0698,"confidence":1.0,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.03558838739991188},{"word":"the","start":2966.0698,"end":2966.23,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07284358888864517},{"word":"last","start":2966.23,"end":2966.47,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.050964634865522385},{"word":"time","start":2966.47,"end":2966.63,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.06378127634525299},{"word":"you","start":2966.63,"end":2966.8699,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08000750839710236},{"word":"received","start":2966.8699,"end":2967.3499,"confidence":0.99316406,"punctuated_word":"received","sentiment":"neutral","sentiment_score":0.05944939702749252},{"word":"them","start":2967.3499,"end":2967.67,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.0738641768693924},{"word":"also","start":2967.67,"end":2968.17,"confidence":0.98999023,"punctuated_word":"also.","sentiment":"neutral","sentiment_score":0.06324419379234314},{"word":"so","start":2968.3098,"end":2968.8098,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02983885630965233},{"word":"after","start":2971.1099,"end":2971.43,"confidence":0.9316406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.016205675899982452},{"word":"all","start":2971.43,"end":2971.93,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03522230312228203},{"word":"that","start":2972.55,"end":2972.79,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.041874878108501434},{"word":"heavy","start":2972.79,"end":2973.1099,"confidence":0.99902344,"punctuated_word":"heavy","sentiment":"neutral","sentiment_score":0.020984794944524765},{"word":"information","start":2973.1099,"end":2973.6099,"confidence":0.99609375,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.017770778387784958},{"word":"do","start":2973.67,"end":2973.8298,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0029274336993694305},{"word":"you","start":2973.8298,"end":2973.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017136123031377792},{"word":"have","start":2973.99,"end":2974.15,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01517251878976822},{"word":"any","start":2974.15,"end":2974.39,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01342809572815895},{"word":"questions","start":2974.39,"end":2974.8699,"confidence":0.99560547,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.0031605642288923264},{"word":"sharon","start":2974.8699,"end":2975.3699,"confidence":0.96875,"punctuated_word":"Sharon?","sentiment":"neutral","sentiment_score":0.014006411656737328},{"word":"no","start":2978.15,"end":2978.65,"confidence":0.8708496,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.1417914628982544},{"word":"and","start":2979.285,"end":2979.4448,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1145518571138382},{"word":"you're","start":2979.4448,"end":2979.765,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.10304199159145357},{"word":"feeling","start":2979.765,"end":2980.085,"confidence":1.0,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":-0.056839145720005035},{"word":"okay","start":2980.085,"end":2980.4849,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.09825972467660904},{"word":"about","start":2980.4849,"end":2980.7249,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.09940291941165924},{"word":"it","start":2980.7249,"end":2980.885,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.055863089859485626},{"word":"all","start":2980.885,"end":2981.385,"confidence":0.99316406,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.035484153777360916},{"word":"okay","start":2983.605,"end":2984.085,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2114190459251404},{"word":"beautiful","start":2984.085,"end":2984.585,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.45509570837020874},{"word":"so","start":2984.9648,"end":2985.2048,"confidence":0.95166016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21958111226558685},{"word":"what","start":2985.2048,"end":2985.4448,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2456989586353302},{"word":"i","start":2985.4448,"end":2985.605,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18526247143745425},{"word":"would","start":2985.605,"end":2985.845,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.21960142254829407},{"word":"suggest","start":2985.845,"end":2986.2449,"confidence":1.0,"punctuated_word":"suggest","sentiment":"neutral","sentiment_score":0.21588897705078125},{"word":"is","start":2986.2449,"end":2986.405,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1940348595380783},{"word":"if","start":2986.405,"end":2986.565,"confidence":0.9741211,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16979184746742249},{"word":"you","start":2986.565,"end":2986.7249,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15467825531959534},{"word":"wanna","start":2986.7249,"end":2986.9648,"confidence":0.98828125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1691756248474121},{"word":"have","start":2986.9648,"end":2987.125,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1500275433063507},{"word":"a","start":2987.125,"end":2987.285,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16943176090717316},{"word":"read","start":2987.285,"end":2987.4448,"confidence":0.9941406,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.12666107714176178},{"word":"over","start":2987.4448,"end":2987.6848,"confidence":0.9838867,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1858424097299576},{"word":"those","start":2987.6848,"end":2988.005,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.16092896461486816},{"word":"documents","start":2988.005,"end":2988.505,"confidence":0.984375,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.14860661327838898},{"word":"if","start":2988.565,"end":2988.805,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2314428836107254},{"word":"you","start":2988.805,"end":2988.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18550345301628113},{"word":"have","start":2988.885,"end":2989.125,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14784929156303406},{"word":"any","start":2989.125,"end":2989.4448,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.15046970546245575},{"word":"questions","start":2989.4448,"end":2989.9448,"confidence":0.98706055,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.13399451971054077},{"word":"reach","start":2990.165,"end":2990.405,"confidence":1.0,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.15658555924892426},{"word":"out","start":2990.405,"end":2990.565,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14722983539104462},{"word":"to","start":2990.565,"end":2990.7249,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1193978488445282},{"word":"me","start":2990.7249,"end":2991.045,"confidence":0.73376465,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.15853659808635712},{"word":"and","start":2991.045,"end":2991.4448,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1155836507678032},{"word":"only","start":2991.4448,"end":2991.6848,"confidence":0.9941406,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.06866566836833954},{"word":"when","start":2991.6848,"end":2991.9248,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08391205966472626},{"word":"you","start":2991.9248,"end":2992.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15654104948043823},{"word":"are","start":2992.085,"end":2992.2449,"confidence":0.87890625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13770398497581482},{"word":"comfortable","start":2992.2449,"end":2992.7449,"confidence":0.8835449,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":0.119056835770607},{"word":"sign","start":2993.6848,"end":2994.005,"confidence":0.9980469,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.11947551369667052},{"word":"those","start":2994.005,"end":2994.505,"confidence":0.8840332,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.12380551546812056},{"word":"we","start":2994.93,"end":2995.17,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07164430618286133},{"word":"can","start":2995.17,"end":2995.3298,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07800699770450592},{"word":"then","start":2995.3298,"end":2995.8298,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06266819685697556},{"word":"go","start":2996.21,"end":2996.3699,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07472152262926102},{"word":"through","start":2996.3699,"end":2996.6099,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07628235220909119},{"word":"the","start":2996.6099,"end":2996.8499,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06893117725849152},{"word":"implementation","start":2996.8499,"end":2997.3499,"confidence":1.0,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.05490719527006149},{"word":"stage","start":2997.73,"end":2998.13,"confidence":0.8063965,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":0.07149970531463623},{"word":"so","start":2998.13,"end":2998.3699,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09384773671627045},{"word":"the","start":2998.3699,"end":2998.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10769287496805192},{"word":"team","start":2998.53,"end":2998.8499,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.1026131957769394},{"word":"will","start":2998.8499,"end":2999.01,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10833276808261871},{"word":"then","start":2999.01,"end":2999.3298,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11036960780620576},{"word":"reach","start":2999.3298,"end":2999.5698,"confidence":0.99902344,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.11832301318645476},{"word":"out","start":2999.5698,"end":2999.89,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.095117025077343},{"word":"to","start":2999.89,"end":3000.05,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11284120380878448},{"word":"you","start":3000.05,"end":3000.55,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1417174935340881},{"word":"to","start":3000.6099,"end":3001.1099,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12116286158561708},{"word":"go","start":3001.49,"end":3001.73,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1345062106847763},{"word":"through","start":3001.73,"end":3002.05,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1410149335861206},{"word":"what","start":3002.05,"end":3002.3699,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13290342688560486},{"word":"forms","start":3002.3699,"end":3002.77,"confidence":0.9970703,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.07770337164402008},{"word":"need","start":3002.77,"end":3003.01,"confidence":0.9941406,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10970301926136015},{"word":"to","start":3003.01,"end":3003.0898,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1111387461423874},{"word":"be","start":3003.0898,"end":3003.3298,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12333132326602936},{"word":"signed","start":3003.3298,"end":3003.73,"confidence":0.9980469,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.102392315864563},{"word":"and","start":3003.73,"end":3003.97,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13964366912841797},{"word":"walk","start":3003.97,"end":3004.21,"confidence":0.99902344,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.2098723202943802},{"word":"you","start":3004.21,"end":3004.45,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19257906079292297},{"word":"through","start":3004.45,"end":3004.69,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.19341158866882324},{"word":"that","start":3004.69,"end":3004.93,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2172589898109436},{"word":"process","start":3004.93,"end":3005.43,"confidence":0.9995117,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":0.10596078634262084},{"word":"alright","start":3008.21,"end":3008.71,"confidence":0.9423828,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.4473819434642792},{"word":"it","start":3009.245,"end":3009.405,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.6817505359649658},{"word":"was","start":3009.405,"end":3009.645,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.7515937089920044},{"word":"lovely","start":3009.645,"end":3010.125,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.7256017923355103},{"word":"speaking","start":3010.125,"end":3010.445,"confidence":1.0,"punctuated_word":"speaking","sentiment":"positive","sentiment_score":0.7622939944267273},{"word":"with","start":3010.445,"end":3010.605,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7258610129356384},{"word":"you","start":3010.605,"end":3010.845,"confidence":0.9995117,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.6711469888687134},{"word":"sharon","start":3010.845,"end":3011.165,"confidence":0.9675293,"punctuated_word":"Sharon.","sentiment":"positive","sentiment_score":0.6883880496025085},{"word":"and","start":3011.165,"end":3011.325,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5279224514961243},{"word":"if","start":3011.325,"end":3011.485,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.41159817576408386},{"word":"and","start":3011.645,"end":3011.885,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32087627053260803},{"word":"when","start":3011.885,"end":3012.125,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3349637985229492},{"word":"reading","start":3012.125,"end":3012.365,"confidence":0.99902344,"punctuated_word":"reading","sentiment":"neutral","sentiment_score":0.32765376567840576},{"word":"those","start":3012.365,"end":3012.605,"confidence":0.9770508,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3520659804344177},{"word":"documents","start":3012.605,"end":3013.0051,"confidence":0.99560547,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.3234519362449646},{"word":"if","start":3013.0051,"end":3013.165,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4244422912597656},{"word":"you","start":3013.165,"end":3013.325,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.423539400100708},{"word":"do","start":3013.325,"end":3013.485,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4014067947864533},{"word":"have","start":3013.485,"end":3013.565,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3911164402961731},{"word":"any","start":3013.565,"end":3013.805,"confidence":0.99902344,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.3485739231109619},{"word":"questions","start":3013.805,"end":3014.2852,"confidence":0.99853516,"punctuated_word":"questions,","sentiment":"positive","sentiment_score":0.3439546823501587},{"word":"please","start":3014.2852,"end":3014.605,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.3262621760368347},{"word":"just","start":3014.605,"end":3014.845,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.355842649936676},{"word":"give","start":3014.845,"end":3015.0051,"confidence":1.0,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.35569894313812256},{"word":"me","start":3015.0051,"end":3015.325,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.40912115573883057},{"word":"a","start":3015.325,"end":3015.565,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4225563406944275},{"word":"call","start":3015.565,"end":3015.885,"confidence":0.80908203,"punctuated_word":"call,","sentiment":"positive","sentiment_score":0.41439855098724365},{"word":"and","start":3015.885,"end":3016.045,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3588773012161255},{"word":"we","start":3016.045,"end":3016.205,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.40042614936828613},{"word":"can","start":3016.205,"end":3016.365,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.44745934009552},{"word":"run","start":3016.365,"end":3016.605,"confidence":1.0,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.40940403938293457},{"word":"through","start":3016.605,"end":3016.845,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.43118155002593994},{"word":"them","start":3016.845,"end":3017.345,"confidence":1.0,"punctuated_word":"them.","sentiment":"positive","sentiment_score":0.4014688432216644},{"word":"alright","start":3020.205,"end":3020.705,"confidence":0.99902344,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.17150306701660156},{"word":"well","start":3021.245,"end":3021.485,"confidence":0.98339844,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.08728623390197754},{"word":"do","start":3021.485,"end":3021.565,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02898089587688446},{"word":"you","start":3021.565,"end":3021.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04156074672937393},{"word":"have","start":3021.645,"end":3021.805,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.047608520835638046},{"word":"the","start":3021.805,"end":3021.965,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03985287994146347},{"word":"day","start":3021.965,"end":3022.125,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.04841562360525131},{"word":"off","start":3022.125,"end":3022.365,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.03742256015539169},{"word":"today","start":3022.365,"end":3022.83,"confidence":0.9995117,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.05096250772476196},{"word":"yes","start":3027.9502,"end":3028.4502,"confidence":0.99365234,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.074148029088974},{"word":"okay","start":3028.75,"end":3029.25,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07093806564807892},{"word":"and","start":3029.47,"end":3029.71,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07055114209651947},{"word":"you're","start":3029.71,"end":3029.9502,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07465042918920517},{"word":"resting","start":3029.9502,"end":3030.4302,"confidence":1.0,"punctuated_word":"resting","sentiment":"neutral","sentiment_score":0.12598899006843567},{"word":"with","start":3030.4302,"end":3030.59,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09730207920074464},{"word":"your","start":3030.59,"end":3030.83,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08335761725902557},{"word":"foot","start":3030.83,"end":3031.07,"confidence":0.9604492,"punctuated_word":"foot","sentiment":"neutral","sentiment_score":0.12740348279476166},{"word":"up","start":3031.07,"end":3031.57,"confidence":0.92626953,"punctuated_word":"up?","sentiment":"neutral","sentiment_score":0.09797297418117525},{"word":"oh","start":3038.675,"end":3038.915,"confidence":0.85913086,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.23317906260490415},{"word":"no","start":3038.915,"end":3039.415,"confidence":0.9995117,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.32119935750961304},{"word":"you're","start":3039.555,"end":3039.795,"confidence":0.96655273,"punctuated_word":"You're","sentiment":"negative","sentiment_score":-0.3730612993240357},{"word":"not","start":3039.795,"end":3040.035,"confidence":0.9970703,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3892846703529358},{"word":"zoned","start":3040.035,"end":3040.275,"confidence":0.82299805,"punctuated_word":"zoned","sentiment":"negative","sentiment_score":-0.40802159905433655},{"word":"out","start":3040.275,"end":3040.435,"confidence":0.9838867,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.3929252028465271},{"word":"enough","start":3040.435,"end":3040.835,"confidence":0.99902344,"punctuated_word":"enough","sentiment":"negative","sentiment_score":-0.425005704164505},{"word":"to","start":3040.835,"end":3040.9949,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3811073899269104},{"word":"understand","start":3040.9949,"end":3041.395,"confidence":1.0,"punctuated_word":"understand","sentiment":"negative","sentiment_score":-0.38311102986335754},{"word":"all","start":3041.395,"end":3041.635,"confidence":0.89990234,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2948359549045563},{"word":"we","start":3041.635,"end":3041.795,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.27045369148254395},{"word":"went","start":3041.795,"end":3042.035,"confidence":0.96875,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.25347092747688293},{"word":"through","start":3042.035,"end":3042.355,"confidence":0.9038086,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.20455369353294373},{"word":"was","start":3042.355,"end":3042.675,"confidence":0.97998047,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.117949441075325},{"word":"it","start":3042.675,"end":3043.175,"confidence":0.99853516,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.199253112077713},{"word":"i","start":3046.355,"end":3046.595,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06092298775911331},{"word":"understand","start":3046.595,"end":3047.095,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.0022016167640686035},{"word":"that","start":3047.155,"end":3047.4749,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.06844989210367203},{"word":"i","start":3047.4749,"end":3047.555,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10837487876415253},{"word":"understand","start":3047.555,"end":3048.035,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.0914544314146042},{"word":"that","start":3048.035,"end":3048.275,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.03626549616456032},{"word":"we'll","start":3048.275,"end":3048.515,"confidence":0.8232422,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.12871724367141724},{"word":"take","start":3048.515,"end":3048.675,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.18302397429943085},{"word":"it","start":3048.675,"end":3048.835,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.055523402988910675},{"word":"so","start":3048.915,"end":3049.155,"confidence":0.8833008,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08404768258333206},{"word":"take","start":3049.155,"end":3049.315,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.09977062046527864},{"word":"some","start":3049.315,"end":3049.4749,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.033414654433727264},{"word":"time","start":3049.4749,"end":3049.715,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.08158578723669052},{"word":"to","start":3049.715,"end":3049.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04780501127243042},{"word":"have","start":3049.875,"end":3049.955,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07146146148443222},{"word":"a","start":3049.955,"end":3050.035,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06085198000073433},{"word":"read","start":3050.035,"end":3050.275,"confidence":0.9873047,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.04213610291481018},{"word":"of","start":3050.275,"end":3050.435,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.038646139204502106},{"word":"the","start":3050.435,"end":3050.595,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04524800926446915},{"word":"document","start":3050.595,"end":3050.9949,"confidence":0.85791016,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.09061789512634276},{"word":"and","start":3050.9949,"end":3051.2349,"confidence":0.94433594,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.08438532799482346},{"word":"again","start":3051.2349,"end":3051.7349,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.08102372288703918},{"word":"any","start":3051.795,"end":3052.115,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1609824001789093},{"word":"questions","start":3052.115,"end":3052.615,"confidence":0.9848633,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.10357218980789185},{"word":"just","start":3053.2349,"end":3053.635,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07860040664672852},{"word":"reach","start":3053.635,"end":3053.875,"confidence":0.99902344,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.12801744043827057},{"word":"out","start":3053.875,"end":3054.115,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1417381316423416},{"word":"to","start":3054.115,"end":3054.275,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08169926702976227},{"word":"me","start":3054.275,"end":3054.51,"confidence":0.8334961,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.08363626897335052},{"word":"oh","start":3059.23,"end":3059.39,"confidence":0.9030762,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.7822034358978271},{"word":"absolutely","start":3059.39,"end":3059.89,"confidence":0.9970703,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.8197282552719116},{"word":"my","start":3059.95,"end":3060.27,"confidence":0.50683594,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.8365835547447205},{"word":"pet","start":3060.27,"end":3060.35,"confidence":0.4675293,"punctuated_word":"pet","sentiment":"positive","sentiment_score":0.7929366230964661},{"word":"pleasure","start":3060.43,"end":3060.91,"confidence":0.99902344,"punctuated_word":"pleasure,","sentiment":"positive","sentiment_score":0.8113378286361694},{"word":"sharon","start":3060.91,"end":3061.31,"confidence":0.9946289,"punctuated_word":"Sharon.","sentiment":"positive","sentiment_score":0.7990778684616089},{"word":"thank","start":3061.31,"end":3061.55,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.863896906375885},{"word":"you","start":3061.55,"end":3061.71,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.9018527865409852},{"word":"so","start":3061.71,"end":3061.95,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8897333741188049},{"word":"much","start":3061.95,"end":3062.35,"confidence":0.8015137,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.8470088243484497},{"word":"and","start":3062.35,"end":3062.59,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.8169276714324951},{"word":"i","start":3062.59,"end":3062.75,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8713384866714478},{"word":"look","start":3062.75,"end":3062.919,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.867743968963623},{"word":"forward","start":3062.999,"end":3063.159,"confidence":1.0,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.8236902356147766},{"word":"to","start":3063.159,"end":3063.3188,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8345451951026917},{"word":"speaking","start":3063.3188,"end":3063.719,"confidence":1.0,"punctuated_word":"speaking","sentiment":"positive","sentiment_score":0.8486189246177673},{"word":"to","start":3063.719,"end":3063.879,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8271161317825317},{"word":"you","start":3063.879,"end":3063.959,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7478234767913818},{"word":"again","start":3063.959,"end":3064.359,"confidence":1.0,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.8445839285850525},{"word":"soon","start":3064.359,"end":3064.859,"confidence":0.9995117,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.7167264819145203},{"word":"beautiful","start":3066.8389,"end":3067.3389,"confidence":0.8947754,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7401344776153564},{"word":"thanks","start":3067.479,"end":3067.879,"confidence":0.9970703,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7738788723945618},{"word":"sharon","start":3067.879,"end":3068.279,"confidence":1.0,"punctuated_word":"Sharon.","sentiment":"positive","sentiment_score":0.7319091558456421},{"word":"enjoy","start":3068.279,"end":3068.5989,"confidence":1.0,"punctuated_word":"Enjoy","sentiment":"positive","sentiment_score":0.7801331281661987},{"word":"your","start":3068.5989,"end":3068.759,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7847785949707031},{"word":"day","start":3068.759,"end":3069.259,"confidence":1.0,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.5278029441833496},{"word":"bye","start":3071.239,"end":3071.739,"confidence":0.9445801,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.18825456500053409},{"word":"bye","start":3071.7988,"end":3072.2988,"confidence":0.86328125,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.15793202817440033}],"paragraphs":{"transcript":"\nGood morning, Sharon. It's Jenna here from Oakview Financial. How are you? I'm good. Thank you.\n\nJust before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. And, Sharon, can I please ask you to confirm your full name, date of birth, and address? Thank you for confirming that.\n\nHow are you doing today? Yeah. How did the return to work go? Yes. And did you manage that okay and the specialist happy with it?\n\nYes. Yep. Yeah. And better better you do you manage to get the swelling down and and get it comfortable again once you get home? Yeah.\n\nBut are are you managing it okay? Okay. Well, that that's good to hear because I know our last couple of conversations has been very take toll taking on you because of everything that you've been going through. So I just wanted to check and make sure that you're doing okay now. Yeah.\n\nYou are you feeling a bit better? Oh, good. I'm so I'm so pleased to hear that. Okay. Well, the purpose of my call today was just to have a quick chat and a check-in to go through a document that I sent you a little earlier.\n\nI don't know if you've seen that pop up on your email, but it's a statement of advice. So it's just it's to go through those changes that we talked about on the phone in our last meetings, particularly your in your review. Do you have some time to go through that now? It woulda. It may come from Jenna Wheeler or Odoo sign.\n\nYeah. Okay. So same process as before. You're not signing anything right now. We're just gonna talk through it.\n\nSo if you open that up, we I will talk through the lovely document that is in front of you. So have you got that opened? You just let me know when you've got that opened and when you're ready. Beautiful. Thank you.\n\nSo the first page would be a stay it's a cover page saying it's your statement of advice. It explains that I'm the one providing advice to you, what my authorized representative number is, and who I work for, which is Oakview Financial. The second page is explains what this document is and that it's valid for sixty days. The reason why we have a time frame on how long the document is valid for is to make sure that if it goes outside of that time frame, sometimes people's situations can change quite quickly and that we just need to review any information before the advice is proceeded with again. So, typically, we just follow the same process all over again.\n\nThe it outlines here also our best interest duty. So this is to make sure that it's a legislative standard to make sure that we act in our client's best best interests at all times so we identify your financial situations and needs for the individual to you. Any advice is specific again to you based on your individual circumstances, and then assess and consider whether any advice is provide is required in relation to strategy or product. And it all has to be in your best interest. The next page is a table of contents, and then the following page is our scope of advice.\n\nSo this is what so scope of advice is considered is what I'm gonna talk to in this document. So the review of your superannuation is to look at q super hub 24, ensure super superannuation balances are combined as much as possible without impacting or you losing your existing insurance within q super, and a recommendation that you establish a will and power of attorney attorney. Attorney. Sorry. Oh, gosh.\n\nAnd review any beneficiary nominations in super. So that one's specifically for q super because we noted that you didn't have any in q super. The next page is your scope of advice limited scope. So we did talk about you wanting to review whether you can amend the waiting period on your existing default q super insurance for your income. So I've had a little bit of a look into that and provided some general information in this document for you as well.\n\nAnd then the following page is scope of advice not considered. So this is the repayment of the debt. What we talked about in our last review is that we would revisit this in September 2027 once the lease is con the lease concludes on your car. It's gonna free up some cash flow for you, but also noting you'll have to get a loan to fund the balloon payment. So at that point in time, we talked about looking at our repayment an accelerated repayment plan basically with the surplus cash flow to get you ahead of that debt so you can retire debt free and then look at building your superannuation.\n\nSo you can hopefully retire at age 65, which is your your actual goal. Does that sound correct? Do I have all that right? Fantastic. Because I do know in our last conversation, you said 65 was your retirement goal, but you thought that you may have to work till 75.\n\nPart of my role is to get you to next year. Let's look at the debt repayment, get that done to save you some interest, and then look at your retirement. But there is some there is a document, I believe, a table later in here that can give you a look at what retirement looks like even now based on your current super. So we can go through that, and it can give you a bit of an idea that you are on track. There are probably just a few little things we need to do once we've got that debt under control.\n\nOkay? The next page is a limit advice. This is just a general warning saying that if any information has been disclosed to us incorrectly or is wrong, it could affect the the advice. Letting you know that I'm not a lawyer, so I can't draft wills or provide specific advice in that regard. I can only say you should definitely do it.\n\nAnd that I am avail I am able to provide tax advice in relation to financial planning, but I'm not a tax a a tax agent. The next couple of pages is the about you section. So this is the information we confirmed in our recent review And then your lifestyle and assets, your current super, so it's spread across hub twenty four and q super, and your current policies within q super. The following page is your risk profile. So I just wanted to touch on this quickly because I do know and I recall from our previous conversations, I just wanna make sure that you are absolutely comfortable with it because there was a lot going on.\n\nGrow a growth risk profile. So in our our previous conversation, you prob there was obviously a lot going on for you, and you were not able to answer some of the questions. So I just wanna make sure that you understand a growth risk profile and that you are 100% comfortable with it. So I'm just gonna spend a minute or two explaining a grow a growth risk profile to you. So what a gross risk profile is is that, typically, you would see about 80% of your assets allocated to growth, which is international and Australian shares and some property exposure.\n\nSo some listed property with the remaining estimated 20% allocated to items like fixed interest and cash. So they're more the income producing parts of your of your balance, whereas the growth is the part that experiences the most volatility. So if you recall, I we went through a Vanguard, that lovely chart that shows the ups and downs of the market. So those extremely volatile ones are is where 80% of your funds sit. What we say is that for a gross risk profile, you should be invested in that type of profile for a minimum of six years, what that does is it allows you to statistically withstand the market fluctuations and variations that we see.\n\nAnd then the likelihood of having a negative return in a gross portfolio is approximately one in every five years due to that volatility. So I think what I just wanna confirm is that you are you are comfortable with that. Do you understand? Do you have any questions? Provide further anxiety or worry.\n\nYeah. So the the alternative I'll give you the alternative is is a balanced growth. So that's the one below it. And, typically, it would be a seventy thirty split. So that would be 70% growth, 30% defensive.\n\nThis one is more a a minimum of a five year time frame investment with a likelihood of a negative return in one in every six years. The variance of expected volatility is plus or minus 8%, whereas the variance for a growth for volatility is plus or minus 11%. So there is a bit of a gap there. There's about a 3% gap, and you've got a 10 less exposure to growth assets and a 10% more exposure to defensive assets. So what yeah.\n\nI just need to confirm that you're happy with the growth or that you wanna look at taking a little bit less risk. Your time frame for retirement sits with easily within both of those. It's just what you're comfortable with. So what let me see. Going to see if my computer wants to participate with me today.\n\nI am looking. Sorry. One second, Sharon. It won't be a moment. Oh, it's your birthday soon.\n\nYes. Yeah. Next week, it looks like. So you'll be turning 57. So if you retire at 65, that's eight years away.\n\nSo that's probably something to consider when thinking about comfort levels with the gross being a time frame of a minimum of six years and a balance gross being a minimum of five years. And the question, I think, probably that you need to ask yourself would be, do you are you comfortable with a six year or five year allocation to some growth assets to review after that time or as, you know, a retirement approaches. And because what happens is is as we as clients approach retirement, we do look at limiting and minimizing not minimizing. We do reduce exposure to growth assets and allocate some more to income because what happens in retirement is that we need income producing assets to produce that income for you without selling our growth assets that keeps your portfolio growing. So there's strategies as retirement approaches that we look at to make sure that you're invested correctly and in line with your time frame and and and more more importantly, your goals.\n\nSo it's it's really a comfort a comfort thing. So when I speak to clients, my my advice is it needs to pass the sleep at night test. If it continued to be invested as it is, are you confident and comfortable with that? Are you so at the moment, the market's going through a little bit of an up and down. Can you sit through that and be confident that you have time on your side, or does that give you a little bit pause for concern?\n\nYeah. Yeah. We can come back to it if you want some time to think about it. I'll go through the rest of the document. And because it's a lot to it's a lot to to think about.\n\nWhat I also can do is just complete that risk profile again and give you my recommendation if you like. Yeah? Okay. Let's go through that risk profile for you, Sharon. It won't be a second.\n\nI'm just gonna jump in and open that up. So these the questions that we we talked through last time. And so you probably will have a a it will it you will probably recall them. There's about seven questions. No right or wrong answer, just what your your answer is.\n\nSo what is the most aggressive investment you've ever made? Direct shares, managed funds, investment property, own home, or a bank account? Yeah. Anything that you've invested into. So a bank account, would that be yep.\n\nOkay. Oh, make sure I'm on the right sheet there. Filling in the right section. Once your investments have been placed, so this is we're referring to your superannuation now, how long would it be before you need to access the capital? Longer than ten years, between seven to nine, between '4 to six, or between '2 to three, or less than two?\n\nYep. Fantastic. So the next question is inflation means things are getting more expensive over time, making our money worth less. How much risk are you willing to take to keep up with rising prices? Would you be willing to accept a very high risk, willing to accept high risk, a moderate risk, a small amount of risk, or none?\n\nModerate? Okay. Beautiful. And the next question is, in months' time, how would you feel if you found out your portfolio decreased by 20% due to trends in the financial market? So if you think of that Vanguard chart, would you, number one, invest heavily for growth, invest modestly for growth, hold and weight improvement, shift your assets to defensive ones to minimize losses, or would you convert to cash?\n\nYeah. So if your portfolio decreased 20% today, what would you do? Sorry? Stress. Yeah.\n\nYeah. I think we all probably would. But would would you would you ring me and say, what would we do? What should I do? Or would you ring and say, I wanna move or I wanna sell all my growth assets and put it in defensive assets or put it all in cash?\n\nWhat do you think you would do? Yes. Okay. My advice would be hold because the reason being is that we don't wanna sell our growth assets at a loss. Does that make sense?\n\nOkay. The next question is what kind of return do you expect to get from your investments over the long term? 8% above, six to 8%, four to six, or two to 4%. It's there's no right or wrong answer. It's just what you would like.\n\nYep. That's fine. Then so the next question is, have your investments, including your superannuation ever dropped in value? And if yes, how did it make you feel? Optimistic about the future investments, cautious with no further investments planned, concerned, highly anxious and seeking advice, or seeking to maintain losses.\n\nSo that yes. So that's two separate ones. So it's concerned or highly anxious and seeking advice. So you could be concerned and seeking advice, or would you be highly anxious and seeking advice? Yep.\n\nOkay. And yeah. That's okay. And the last one is, have you ever thought about taking out a loan to invest to borrow for shares or an investment property or only for your principal place of residence? Yep.\n\nYep. Okay. Fantastic. Alright. So you came out as a moderate investor.\n\nSo that is the one below growth, which is the 70 to 30% allocation. My advice as an adviser is to maintain your current risk profile being a growth. It is a difference of a 10% allocation to growth assets. So instead of 70%, it would be 80%. You do have the time on your side to withstand the market fluctuations.\n\nAnd the and the benefit is is that at our regular reviews, we revisit this conversation every single time. So it's not something that we're gonna set and forget. You have been in a gross portfolio for quite some time. Your q super is also invest in a gross portfolio, probably a little bit higher than the the hub twenty four one. So I think your your my opinion is that you'll adapt to fluctuation, market fluctuation, that having somebody to talk these things through is extremely beneficial for you.\n\nSo my recommendation is to maintain a growth portfolio solely because it's gonna give you that opportunity to continue growing your retirement savings whilst taking a slightly higher approach to growth assets compared to a moderate profile of 10%. Are you comfortable with that? Okay. Alright. I just needed to make sure because I I don't want to recommend something that you're not fully aware of or comfortable with?\n\nYeah. Okay. Alright. That's fantastic. Good.\n\nGood. And we'll revisit this conversation every year anyhow. The next dot pages are the strategy recommendations. So this is where I'm looking at your superannuation. So I have recommended that you retain Hub and q super.\n\nWhat we're gonna do is roll over the majority of your q super, leaving a $10,000 balance so your insurances remain in force and the difference being rolled to hub twenty four and invested in hub twenty four. Leaving the 10,000 means that you keep your superannuation. You also have your super guarantee contributions going into q super, which there's two folds of protection there to ensure that your insurances don't lapse for any reason. But I wanna put in place an extra step to complete an opt in form with q super. So if if, for example, your balance falls below $10,000 because the market drops, for example, or your super guarantee hasn't been paid there for sixteen months, this opt in form protects your insurance from ever being canceled.\n\nSo I just wanna go that one step extra and make sure that form's signed so that it can never be canceled. So the the re the then we go into the best interest duty. So this explains why I've made those recommendations, which is maintaining the q super so your insurance remains in place. The I've also recommended that every year at our reviews, we will do a rollover from q super to hub 24, and it won't be in this document this size of document every year. It'll be in something called a record of advice because I'm covering it off in this document.\n\nSo we can just do it every year for you without having to go through this large document. So we won't get to the situation where it is missed like it had been last year because we don't want that to happen. The hub 24 the reason I did consider maintaining q super and having all your funds in q super, the reason that I did not do that is because I did not recommend that. It's because industry funds are fantastic when building wealth. As we get closer to retirement, they invest in assets called unlisted assets.\n\nSo that could be so things that aren't listed on the ASX, for example. And what that what can be a result of that is if you recall the GFC, one of the most popular ones was impacted impacted the property market so heavily. When clients get closer to retirement, liquidity is an extremely important factor because clients need access to their funds to retire. So I've always operated in the sense that whilst building wealth and in your early stages of your career, industry funds are a fantastic opportunity low fees. As you get closer to retirement, you need funds that don't invest in those types of investments.\n\nSo everything we recommend recommend is a listed asset. So that means that your funds you have access to a daily share price. In an unlisted asset, the the price might be calculated quarterly or monthly. So you don't have a live value. So that's why for my retiree clients that are approaching retirement, I tend to on the side of caution when it comes to those types of investments.\n\nSo that's why I didn't choose q super. Yeah. Yep. Then so what my recommendation is is essentially that we're gonna keep 10,000 in q super to maintain your insurance, get you to sign that opt in form to make sure your insurance remain active, roll the surplus to hub twenty four. The the fees will increase a little bit, your administration fees, simply because so it says you'll pay $228 more in administration fees in hub twenty four, and that's because we're taking the funds out of q super and increasing them in Hub 24.\n\nSo the difference between that will be $228. So it's gonna so that's the savings from QSuper and the extra that you'll pay with hub twenty four. Does that make sense? Yes. Okay.\n\nFantastic. Additionally, there is no CGT exposure in the q super fund because they're gonna make a few investment switches as well. I mean, in the hub twenty four fund. Sorry. Because, yeah, there's no capital gains tax.\n\nIn q super, there could be. It is hard for us to know because of the type of fund it is. So because all the money is invested in a pooled situation, so yours is invested with everyone else in the lifetime focus, you don't have you own a share of it. You don't own the investment specifically. So an allocation of capital gains tax would be applicable to you.\n\nTypically smaller in a pooled fund, but I'm unable to actually determine what that will be. So in line with considering q super as well, we considered another fund like my north. The a high CGT would have been occurred through hub twenty four to do that, approximately $1,600. So that's why I discounted that. And, also, their investment trading fees are a little bit higher.\n\nSo any questions following that? No. It's a lot to take in, isn't it? The fee comparison is the next page. So that's the difference in the fees that I explained to you.\n\nSo that table so running your eyes over that first table, any questions there? No. No. And that second table below is your projected balance. So we don't do anything sick like large balance projections outside of ten years.\n\nSo you'll see in five years, if you leave things currently as they are, your expected balance is 262 or 263,000 rounded up. If we go with the recommended, it's projected to be 306,000. But at age 65, which is in nine years' time, if we go with the recommended, you're gonna be approximately $90,000 better off. So that's based on historical returns, but also conservative as well in nature. So we're not gonna some may calculate these saying, oh, this is based on a 20% return.\n\nThey're definitely not. They're they're based on a very conservative return. The next page just shows you the annualized investment returns as of the August 31, and it's just comparing between the two. So you'll see over the long term, Hub does perform better. Well, the portfolio that we've created in Hub does perform better than q super over the longer term, which is what we wanna see.\n\nThe next the next one is the recommended investment. So it's a table of your superannuation with the first line being your q super. So you'll see that there's a negative figure of 76 odd thousand dollars with a remaining balance of 10. That's what we're gonna take out. And then that's gonna be spread across your existing hub twenty four account.\n\nSo you'll also know, yeah, you'll also know that first one note, sorry, that first one being the panel on concentrated equities with a negative figure of $19,679.81. That's the one that we're gonna sell out of that was underperforming. So that one as and then it will be spread. That plus some funds coming from your superannuation in q super will be spread out across your new portfolio. The other ones that are negative showing in red, we're selling out of those investments to take a to invest differently in some alternative funds.\n\nSo any questions there? Okay. And sorry. That table continues below. So you'll see that so that beta shares 200 is actually what we're replacing the Benelong one with.\n\nYep. Okay. The next section is your asset allocation. So being a growth investor, which we've just confirmed you're happy with, this is how your funds are spread. So you'll see in the proposed column and the existing, so they're the two middle ones, your current allocation to Australian equities is approximately 23%.\n\nWe're gonna reduce that a little bit down to 20%. International equities, you're currently exposed to about 42%. We're gonna increase that to about 54%. And that just shows you the difference in your port your the the underlying sectors. But then if you see the growth, you have about 80 let's round it up, 85% invested in growth assets.\n\nSo instead of 80, it's sitting at about 85 due to market conditions at the moment. So those figures will always change and fluctuate up and down depending on how the market's trading. Okay. So retirement income calculation. So this is based on your information today.\n\nSo it's a very small table. So I'm just gonna zoom in. So this this is indicative of adviser fees and a consideration has been made for platform costs and investment fees. So this shows you the age pension is the blue part of the graph, and the green is the is your superannuation. So based on today's situation, your superannuation at $1,000 a week or 2,000 is your target, And this is a very basic one because we're not looking at retirement at the moment specifically.\n\nBut to give you some insight, your superannuation balance on $2,000 a fortnight is gonna take you to age 91, and that's with a retirement date of 65. So this starts at 65. So you'll see that at 67, the age pension kicks in, and you don't need to draw as much from super to supplement that difference, which is why your superannuation lasts longer. So once we've paid off that debt and we're able to put potentially a little bit more into super to build that for you, I do not see any reason based on today's state why you would not be able to retire at 65. Okay?\n\nSo I wanted to give you a little bit of peace of mind there because I know that that was probably weighing on you. Yep. Generally, the next page is the general insurance advice. So this is where I I looked into q super a little bit. It does say that you are able to decrease it to thirty or sixty days.\n\nThere are some eligibility requirements. I wasn't able to ascertain what those were. The change can be done through member online, which you mentioned you tried to do, but it wouldn't work, or completing a change of insurance form. Decreasing the waiting period will increase the cost of your insurance. But if you were unable to do it online, you could try by doing it through the change of insurance form to see if you were successful in doing that.\n\nOkay? That's okay. And then the next page is establishing your beneficiary nomination. So at the moment, we we have recommended making them to your legal personal representative, which is basically your will. So that's one thing that I do need to just flag with you that the reason why we have made it to your legal personal representative is because it you save approximately 2% on tax payable to the government on your balances.\n\nBut I also note that you don't have a will in place at the moment yet either. So it's it would be if you if you did pass away with no will, it would go to, I believe, the Queensland trustees to manage it. If you there are many ways you can get a will. You can go I think there's a few online that you can do that you can utilize that are very low cost. There's also the post office ones, I think, you can go get or or something.\n\nSo I'll just I'll leave that with you and see how you go, and I can provide you with some resources if you need to. To your estate to your will. So a legal personal representative for superannuation is your will for your estate. So, yeah, that's what the superannuation companies refer to as your estate. So instead of saying estate, they say legal personal representative, which is essentially the executor of your will.\n\nSo, yeah, it it's probably pretty important to get one done up. We can definitely direct your superannuation to somebody over the age of 18. However, they will pay 15% superannuation tax as well as the 2% on top of that for Medicare. Yeah. Yeah.\n\nThey don't miss you. So the reason why we do say a will is simply because you save the 2% on tax if you're having if your beneficiary is a nonfinancial dependent, which we discussed previously, is your current one with hub twenty four is not a financial dependent under superannuation and tax law. So we can definitely still nominate an individual until you get a will in place, but I would strongly recommend looking into that will situation as soon as you can. So on that, did you want to nominate an individual, or did you with your beneficiary nominations? Because that's something that I do need to make sure I address for you.\n\nYou can, but they will pay the 17% tax instead of the 15% tax your estate would pay. For as a stopgap for the time being, if you wanted to until you got the will done, you could put your kids. Once you got the will done, if your kids were the beneficiary of your will, you we can change that to then being your estate. Sorry? As your beneficiary?\n\nSo do you want your dad to get your superannuation or your children? Yes. Yep. Okay. So you so your two children being the beneficiaries?\n\nYep. Okay. Well, we'll make sure those forms are included in the pack for you. The next couple of pages cover off on why you should establish a will and a power of attorney, which we talked through in our review. That's in there just to give you the information there.\n\nPage 33 is our ongoing services. So this is by being a client what you receive from us. Like I mentioned, you're not limited to your one annual review a year. We have an ongoing relationship. So as you need advice or if all things change, you just reach out, and we're that's what we're here for to provide advice.\n\nThe important information is it just outlines the next steps, your reviews. So participate in your reviews because, you know, like we did this year, we got a lot we're we're ticking a lot of boxes off. Product disclosure statements, which I'll talk to in a second, our privacy policy. So they're the all the important little bits of documentation that you need to be able to refer to. The next page is remuneration, so our fees.\n\nOur fee, again, hasn't changed from when we spoke last time. I mean, the dollar fee might have changed a little bit depending on the balance, but it's 1.65%. So ongoing, it would be $3,039 per year, and then that's divided by 12 and paid monthly. The next page is the authority to proceed. So that just gives you a very high level overview of what all those things are that we just spoke about and what page number you can refer to it.\n\nAnd the next page again is just a very quick summary of the remuneration. So that same figure again paid by your super and then the steps to implement our advice that we will take. Then the next page is the signature page. You'll notice in that there's a large empty area. If you don't wanna proceed with any of our advice, so let's say, for example, you decided I I don't want to roll over my q supra.\n\nI wanna leave it where it is and just see how things go. You would write that in that section. So any changes, you'd write in that section or something you didn't wanna proceed with, and then you'd sign it. If you wanted to go ahead with all of it, you'd just sign it and put nothing in that section. Any questions about the advice document?\n\nNo? Okay. The next the next document is the appendix to the statement of advice. So the first page and the second page is, again, a cover page and a table of contents. The third page is a breakdown of risk profiles.\n\nSo So you've got your gross sitting in the mid middle there. And, again, that just shows you where we allocate most of your funds. So, again, 80% to gross, 20% to defensive, and then breaks it down where we would typically invest across the different sectors. Important relationships and information. So the content of the SOA is just based on the information you've given me.\n\nThe currency of the SOA is sixty days from the date of the SOA. No product guarantee. So like anything, we don't say that it's going to perform and do 20% and make promises that we can't keep, we just continue to review and make sure that everything remains on track and is in line with your goals. The next page is where you'll see links to the investment PDFs. So they're your investment funds that we've recommended in hub twenty four.\n\nSo they're links to them if you would like to have a read of those. The next document explains how we calculate our investment return methodology, showing you that, it's not, overinflated, let's say. And then the last page, two pages cover off on what life insurance through superannuation is, which I'm I'm pretty confident you're all over because you've had it that way for many, many years. The next lot of documents in the pack is oh gosh. That's it.\n\nBecause your financial services guide, we gave to you previously in our review, and the product disclosure statements will make sure that we get in the the hub twenty four ones emailed out to you, although they haven't changed since the last time you received them also. So after all that heavy information, do you have any questions, Sharon? No? And you're feeling okay about it all? Okay.\n\nBeautiful. So what I would suggest is if you wanna have a read over those documents, if you have any questions, reach out to me, and only when you are comfortable, sign those. We can then go through the implementation stage. So the team will then reach out to you to go through what forms need to be signed and walk you through that process. Alright.\n\nIt was lovely speaking with you, Sharon. And if and when reading those documents, if you do have any questions, please just give me a call, and we can run through them. Alright. Well, do you have the day off today? Yes.\n\nOkay. And you're resting with your foot up? Oh, no. You're not zoned out enough to understand all we went through, was it? I understand that.\n\nI understand that. We'll take it so take some time to have a read of the document. And, again, any questions, just reach out to me. Oh, absolutely my pet pleasure, Sharon. Thank you so much, and I look forward to speaking to you again soon.\n\nBeautiful. Thanks, Sharon. Enjoy your day. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Sharon.","start":2.8,"end":3.76,"sentiment":"positive","sentiment_score":0.40194275975227356},{"text":"It's Jenna here from Oakview Financial.","start":3.76,"end":5.7,"sentiment":"positive","sentiment_score":0.3338533490896225},{"text":"How are you?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.27912793556849164},{"text":"I'm good.","start":8.48,"end":9.2,"sentiment":"positive","sentiment_score":0.5599597096443176},{"text":"Thank you.","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6323543787002563}],"sentiment":"positive","sentiment_score":0.40193502232432365,"num_words":16,"start":2.8,"end":10.0199995},{"sentences":[{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":10.639999,"end":16.484999,"sentiment":"neutral","sentiment_score":0.058227017926781074},{"text":"Is that okay?","start":16.484999,"end":17.465,"sentiment":"neutral","sentiment_score":0.07129894196987152},{"text":"Thank you.","start":19.285,"end":20.025,"sentiment":"positive","sentiment_score":0.5027028620243073},{"text":"And, Sharon, can I please ask you to confirm your full name, date of birth, and address?","start":20.564999,"end":26.585,"sentiment":"neutral","sentiment_score":0.07496880389311734},{"text":"Thank you for confirming that.","start":35.37,"end":37.23,"sentiment":"positive","sentiment_score":0.4362208664417267}],"sentiment":"neutral","sentiment_score":0.12028195921331644,"num_words":50,"start":10.639999,"end":37.23},{"sentences":[{"text":"How are you doing today?","start":37.85,"end":39.07,"sentiment":"neutral","sentiment_score":0.3068716049194336},{"text":"Yeah.","start":41.690002,"end":42.17,"sentiment":"neutral","sentiment_score":-0.005303798243403435},{"text":"How did the return to work go?","start":42.17,"end":43.925,"sentiment":"neutral","sentiment_score":-0.00949134145464216},{"text":"Yes.","start":49.585,"end":50.085,"sentiment":"neutral","sentiment_score":0.024298693984746933},{"text":"And did you manage that okay and the specialist happy with it?","start":50.305,"end":54.085,"sentiment":"neutral","sentiment_score":0.061016608495265245}],"sentiment":"neutral","sentiment_score":0.08535049354227689,"num_words":26,"start":37.85,"end":54.085},{"sentences":[{"text":"Yes.","start":64.1,"end":64.6,"sentiment":"neutral","sentiment_score":-0.0024582762271165848},{"text":"Yep.","start":64.82,"end":65.32,"sentiment":"neutral","sentiment_score":-0.0023015192709863186},{"text":"Yeah.","start":71.38,"end":71.88,"sentiment":"neutral","sentiment_score":0.009979616850614548},{"text":"And better better you do you manage to get the swelling down and and get it comfortable again once you get home?","start":72.915,"end":81.095,"sentiment":"neutral","sentiment_score":0.034189592792906544},{"text":"Yeah.","start":87.555,"end":87.9,"sentiment":"neutral","sentiment_score":-0.01904397085309029}],"sentiment":"neutral","sentiment_score":0.02839795738243713,"num_words":26,"start":64.1,"end":87.9},{"sentences":[{"text":"But are are you managing it okay?","start":88.22,"end":90.24,"sentiment":"neutral","sentiment_score":-0.023016801636133875},{"text":"Okay.","start":92.14,"end":92.64,"sentiment":"neutral","sentiment_score":0.022160042077302933},{"text":"Well, that that's good to hear because I know our last couple of conversations has been very take toll taking on you because of everything that you've been going through.","start":92.700005,"end":107.015,"sentiment":"neutral","sentiment_score":0.06756708465206127},{"text":"So I just wanted to check and make sure that you're doing okay now.","start":107.015,"end":110.634995,"sentiment":"neutral","sentiment_score":0.11853353625961713},{"text":"Yeah.","start":112.775,"end":113.275,"sentiment":"neutral","sentiment_score":0.1640709489583969}],"sentiment":"neutral","sentiment_score":0.07003010239206114,"num_words":53,"start":88.22,"end":113.275},{"sentences":[{"text":"You are you feeling a bit better?","start":113.415,"end":115.354996,"sentiment":"neutral","sentiment_score":0.1640212248478617},{"text":"Oh, good.","start":118.43,"end":119.17,"sentiment":"neutral","sentiment_score":0.3124611973762512},{"text":"I'm so I'm so pleased to hear that.","start":119.23,"end":121.49,"sentiment":"positive","sentiment_score":0.5813576728105545},{"text":"Okay.","start":123.87,"end":124.37,"sentiment":"neutral","sentiment_score":0.02236066199839115},{"text":"Well, the purpose of my call today was just to have a quick chat and a check-in to go through a document that I sent you a little earlier.","start":124.43,"end":133.375,"sentiment":"neutral","sentiment_score":0.09995737569085483}],"sentiment":"neutral","sentiment_score":0.19883099804691812,"num_words":47,"start":113.415,"end":133.375},{"sentences":[{"text":"I don't know if you've seen that pop up on your email, but it's a statement of advice.","start":133.755,"end":140.235,"sentiment":"neutral","sentiment_score":0.04575082012969586},{"text":"So it's just it's to go through those changes that we talked about on the phone in our last meetings, particularly your in your review.","start":140.235,"end":148.47,"sentiment":"neutral","sentiment_score":0.071706612855196},{"text":"Do you have some time to go through that now?","start":148.47,"end":151.03,"sentiment":"neutral","sentiment_score":0.011469826847314835},{"text":"It woulda.","start":158.20999,"end":158.805,"sentiment":"neutral","sentiment_score":0.027980005368590355},{"text":"It may come from Jenna Wheeler or Odoo sign.","start":159.20499,"end":162.265,"sentiment":"neutral","sentiment_score":0.012911308142873976}],"sentiment":"neutral","sentiment_score":0.045360002128290944,"num_words":64,"start":133.755,"end":162.265},{"sentences":[{"text":"Yeah.","start":187.55501,"end":187.875,"sentiment":"neutral","sentiment_score":0.05546629801392555},{"text":"Okay.","start":187.875,"end":188.195,"sentiment":"neutral","sentiment_score":0.060969166457653046},{"text":"So same process as before.","start":188.195,"end":189.975,"sentiment":"neutral","sentiment_score":0.04273814335465431},{"text":"You're not signing anything right now.","start":190.675,"end":192.755,"sentiment":"neutral","sentiment_score":-0.20405805110931396},{"text":"We're just gonna talk through it.","start":192.755,"end":194.615,"sentiment":"neutral","sentiment_score":0.00028368271887302285}],"sentiment":"neutral","sentiment_score":-0.046974738373568185,"num_words":19,"start":187.55501,"end":194.615},{"sentences":[{"text":"So if you open that up, we I will talk through the lovely document that is in front of you.","start":195.235,"end":203.38,"sentiment":"neutral","sentiment_score":0.2542923789471388},{"text":"So have you got that opened?","start":205.76001,"end":207.70001,"sentiment":"neutral","sentiment_score":0.02051852022608121},{"text":"You just let me know when you've got that opened and when you're ready.","start":211.28,"end":215.185,"sentiment":"neutral","sentiment_score":0.050170338180448325},{"text":"Beautiful.","start":215.565,"end":216.065,"sentiment":"positive","sentiment_score":0.7051010131835938},{"text":"Thank you.","start":216.205,"end":216.945,"sentiment":"positive","sentiment_score":0.687895804643631}],"sentiment":"neutral","sentiment_score":0.1858659548208464,"num_words":43,"start":195.235,"end":216.945},{"sentences":[{"text":"So the first page would be a stay it's a cover page saying it's your statement of advice.","start":217.005,"end":222.065,"sentiment":"neutral","sentiment_score":0.12163958781295353},{"text":"It explains that I'm the one providing advice to you, what my authorized representative number is, and who I work for, which is Oakview Financial.","start":224.285,"end":232.68999,"sentiment":"neutral","sentiment_score":0.11901270627975463},{"text":"The second page is explains what this document is and that it's valid for sixty days.","start":234.90999,"end":241.595,"sentiment":"neutral","sentiment_score":0.05441952752880752},{"text":"The reason why we have a time frame on how long the document is valid for is to make sure that if it goes outside of that time frame, sometimes people's situations can change quite quickly and that we just need to review any information before the advice is proceeded with again.","start":241.815,"end":262.07,"sentiment":"neutral","sentiment_score":-0.022311602575847737},{"text":"So, typically, we just follow the same process all over again.","start":262.07,"end":267.46503,"sentiment":"neutral","sentiment_score":0.05860141122883016}],"sentiment":"neutral","sentiment_score":0.04524553170213934,"num_words":122,"start":217.005,"end":267.46503},{"sentences":[{"text":"The it outlines here also our best interest duty.","start":268.64502,"end":272.02502,"sentiment":"neutral","sentiment_score":0.08177737653669384},{"text":"So this is to make sure that it's a legislative standard to make sure that we act in our client's best best interests at all times so we identify your financial situations and needs for the individual to you.","start":272.405,"end":285.8,"sentiment":"neutral","sentiment_score":0.2352268562102929},{"text":"Any advice is specific again to you based on your individual circumstances, and then assess and consider whether any advice is provide is required in relation to strategy or product.","start":287.06,"end":302.065,"sentiment":"neutral","sentiment_score":0.020851445198059083},{"text":"And it all has to be in your best interest.","start":303.16498,"end":305.505,"sentiment":"neutral","sentiment_score":0.1083449125289917},{"text":"The next page is a table of contents, and then the following page is our scope of advice.","start":307.35,"end":314.22998,"sentiment":"neutral","sentiment_score":0.06401348590022987}],"sentiment":"neutral","sentiment_score":0.1204818774383726,"num_words":106,"start":268.64502,"end":314.22998},{"sentences":[{"text":"So this is what so scope of advice is considered is what I'm gonna talk to in this document.","start":314.22998,"end":320.88998,"sentiment":"neutral","sentiment_score":0.08752314746379852},{"text":"So the review of your superannuation is to look at q super hub 24, ensure super superannuation balances are combined as much as possible without impacting or you losing your existing insurance within q super, and a recommendation that you establish a will and power of attorney attorney.","start":322.335,"end":347.265,"sentiment":"neutral","sentiment_score":0.10101900963733594},{"text":"Attorney.","start":347.42502,"end":347.74503,"sentiment":"neutral","sentiment_score":-0.018020138144493103},{"text":"Sorry.","start":347.74503,"end":348.24503,"sentiment":"neutral","sentiment_score":-0.04724615812301636},{"text":"Oh, gosh.","start":350.30502,"end":351.045,"sentiment":"neutral","sentiment_score":-0.0038557322695851326}],"sentiment":"neutral","sentiment_score":0.09068837329010729,"num_words":71,"start":314.22998,"end":351.045},{"sentences":[{"text":"And review any beneficiary nominations in super.","start":351.345,"end":354.385,"sentiment":"neutral","sentiment_score":0.02664933992283685},{"text":"So that one's specifically for q super because we noted that you didn't have any in q super.","start":354.385,"end":360.30002,"sentiment":"neutral","sentiment_score":-0.04607756373782953},{"text":"The next page is your scope of advice limited scope.","start":362.84003,"end":366.46002,"sentiment":"neutral","sentiment_score":0.008690813928842545},{"text":"So we did talk about you wanting to review whether you can amend the waiting period on your existing default q super insurance for your income.","start":366.84003,"end":375.855,"sentiment":"neutral","sentiment_score":-0.036560279388840385},{"text":"So I've had a little bit of a look into that and provided some general information in this document for you as well.","start":376.075,"end":381.935,"sentiment":"neutral","sentiment_score":0.06150934990981351}],"sentiment":"neutral","sentiment_score":-0.0010927957704379445,"num_words":84,"start":351.345,"end":381.935},{"sentences":[{"text":"And then the following page is scope of advice not considered.","start":383.435,"end":387.45502,"sentiment":"neutral","sentiment_score":-0.0838603749871254},{"text":"So this is the repayment of the debt.","start":387.515,"end":390.03,"sentiment":"neutral","sentiment_score":-0.05487186694517732},{"text":"What we talked about in our last review is that we would revisit this in September 2027 once the lease is con the lease concludes on your car.","start":391.45,"end":402.35,"sentiment":"neutral","sentiment_score":0.04308466666511127},{"text":"It's gonna free up some cash flow for you, but also noting you'll have to get a loan to fund the balloon payment.","start":402.97,"end":411.125,"sentiment":"neutral","sentiment_score":0.18371263697095538},{"text":"So at that point in time, we talked about looking at our repayment an accelerated repayment plan basically with the surplus cash flow to get you ahead of that debt so you can retire debt free and then look at building your superannuation.","start":411.425,"end":428.68,"sentiment":"neutral","sentiment_score":0.2898723817495413}],"sentiment":"neutral","sentiment_score":0.14632597054659793,"num_words":113,"start":383.435,"end":428.68},{"sentences":[{"text":"So you can hopefully retire at age 65, which is your your actual goal.","start":428.97998,"end":436.23502,"sentiment":"positive","sentiment_score":0.43247936240264345},{"text":"Does that sound correct?","start":436.23502,"end":437.515,"sentiment":"neutral","sentiment_score":0.20070107281208038},{"text":"Do I have all that right?","start":437.515,"end":438.975,"sentiment":"neutral","sentiment_score":0.09978016590078671},{"text":"Fantastic.","start":440.555,"end":441.055,"sentiment":"positive","sentiment_score":0.747856616973877},{"text":"Because I do know in our last conversation, you said 65 was your retirement goal, but you thought that you may have to work till 75.","start":443.995,"end":453.01,"sentiment":"neutral","sentiment_score":0.24635487995468652}],"sentiment":"neutral","sentiment_score":0.2864564677663878,"num_words":51,"start":428.97998,"end":453.01},{"sentences":[{"text":"Part of my role is to get you to next year.","start":454.51,"end":458.21,"sentiment":"positive","sentiment_score":0.3507407307624817},{"text":"Let's look at the debt repayment, get that done to save you some interest, and then look at your retirement.","start":459.47,"end":466.645,"sentiment":"neutral","sentiment_score":0.27768953070044516},{"text":"But there is some there is a document, I believe, a table later in here that can give you a look at what retirement looks like even now based on your current super.","start":466.70502,"end":476.565,"sentiment":"neutral","sentiment_score":0.23805431141094727},{"text":"So we can go through that, and it can give you a bit of an idea that you are on track.","start":476.65997,"end":480.84,"sentiment":"positive","sentiment_score":0.42768408003307523},{"text":"There are probably just a few little things we need to do once we've got that debt under control.","start":481.46,"end":486.36,"sentiment":"neutral","sentiment_score":0.1643080656465731}],"sentiment":"neutral","sentiment_score":0.28241297939362436,"num_words":104,"start":454.51,"end":486.36},{"sentences":[{"text":"Okay?","start":487.62,"end":488.12,"sentiment":"neutral","sentiment_score":0.23836436867713928},{"text":"The next page is a limit advice.","start":489.805,"end":491.565,"sentiment":"neutral","sentiment_score":-0.08143388160637446},{"text":"This is just a general warning saying that if any information has been disclosed to us incorrectly or is wrong, it could affect the the advice.","start":491.565,"end":499.025,"sentiment":"neutral","sentiment_score":-0.2872069953725888},{"text":"Letting you know that I'm not a lawyer, so I can't draft wills or provide specific advice in that regard.","start":499.805,"end":506.83002,"sentiment":"neutral","sentiment_score":-0.13872098326683044},{"text":"I can only say you should definitely do it.","start":506.83002,"end":509.65,"sentiment":"neutral","sentiment_score":0.23190736770629883}],"sentiment":"neutral","sentiment_score":-0.13470330219420176,"num_words":63,"start":487.62,"end":509.65},{"sentences":[{"text":"And that I am avail I am able to provide tax advice in relation to financial planning, but I'm not a tax a a tax agent.","start":510.75,"end":520.625,"sentiment":"neutral","sentiment_score":0.003111331365429438},{"text":"The next couple of pages is the about you section.","start":522.925,"end":525.805,"sentiment":"neutral","sentiment_score":0.051225731149315834},{"text":"So this is the information we confirmed in our recent review And then your lifestyle and assets, your current super, so it's spread across hub twenty four and q super, and your current policies within q super.","start":525.805,"end":541.6,"sentiment":"neutral","sentiment_score":0.10183598554214916},{"text":"The following page is your risk profile.","start":544.33496,"end":546.435,"sentiment":"neutral","sentiment_score":0.0225198966051851},{"text":"So I just wanted to touch on this quickly because I do know and I recall from our previous conversations, I just wanna make sure that you are absolutely comfortable with it because there was a lot going on.","start":546.495,"end":558.27496,"sentiment":"neutral","sentiment_score":0.1300295740365982}],"sentiment":"neutral","sentiment_score":0.08058719374552495,"num_words":119,"start":510.75,"end":558.27496},{"sentences":[{"text":"Grow a growth risk profile.","start":559.91003,"end":561.85004,"sentiment":"neutral","sentiment_score":0.16090115420520307},{"text":"So in our our previous conversation, you prob there was obviously a lot going on for you, and you were not able to answer some of the questions.","start":561.91003,"end":574.365,"sentiment":"neutral","sentiment_score":-0.16386770017977273},{"text":"So I just wanna make sure that you understand a growth risk profile and that you are 100% comfortable with it.","start":574.365,"end":581.485,"sentiment":"neutral","sentiment_score":0.005653098935172671},{"text":"So I'm just gonna spend a minute or two explaining a grow a growth risk profile to you.","start":581.485,"end":586.17,"sentiment":"neutral","sentiment_score":0.036449656925267644},{"text":"So what a gross risk profile is is that, typically, you would see about 80% of your assets allocated to growth, which is international and Australian shares and some property exposure.","start":588.41,"end":602.885,"sentiment":"neutral","sentiment_score":0.010203251795422646}],"sentiment":"neutral","sentiment_score":-0.026142525495690048,"num_words":103,"start":559.91003,"end":602.885},{"sentences":[{"text":"So some listed property with the remaining estimated 20% allocated to items like fixed interest and cash.","start":602.945,"end":611.125,"sentiment":"neutral","sentiment_score":-0.008638769059496768},{"text":"So they're more the income producing parts of your of your balance, whereas the growth is the part that experiences the most volatility.","start":611.185,"end":621.49005,"sentiment":"neutral","sentiment_score":-0.046802584944880044},{"text":"So if you recall, I we went through a Vanguard, that lovely chart that shows the ups and downs of the market.","start":622.67004,"end":631.65,"sentiment":"neutral","sentiment_score":-0.0668777401813052},{"text":"So those extremely volatile ones are is where 80% of your funds sit.","start":632.235,"end":638.575,"sentiment":"neutral","sentiment_score":-0.1891199820316755},{"text":"What we say is that for a gross risk profile, you should be invested in that type of profile for a minimum of six years, what that does is it allows you to statistically withstand the market fluctuations and variations that we see.","start":639.195,"end":657.82996,"sentiment":"neutral","sentiment_score":0.0022239639142224957}],"sentiment":"neutral","sentiment_score":-0.04286066211722554,"num_words":118,"start":602.945,"end":657.82996},{"sentences":[{"text":"And then the likelihood of having a negative return in a gross portfolio is approximately one in every five years due to that volatility.","start":658.29,"end":666.435,"sentiment":"negative","sentiment_score":-0.5178814154739181},{"text":"So I think what I just wanna confirm is that you are you are comfortable with that.","start":668.335,"end":673.215,"sentiment":"neutral","sentiment_score":0.08794535827987335},{"text":"Do you understand?","start":673.215,"end":673.335,"sentiment":"neutral","sentiment_score":0.02084012081225713},{"text":"Do you have any questions?","start":673.335,"end":674.205,"sentiment":"neutral","sentiment_score":-0.11158837080001831},{"text":"Provide further anxiety or worry.","start":686.92,"end":689.915,"sentiment":"negative","sentiment_score":-0.4475967526435852}],"sentiment":"neutral","sentiment_score":-0.2531016321369895,"num_words":54,"start":658.29,"end":689.915},{"sentences":[{"text":"Yeah.","start":695.415,"end":695.915,"sentiment":"neutral","sentiment_score":-0.09932232648134232},{"text":"So the the alternative I'll give you the alternative is is a balanced growth.","start":695.975,"end":701.22,"sentiment":"neutral","sentiment_score":-0.07327720097133092},{"text":"So that's the one below it.","start":701.22,"end":702.92,"sentiment":"neutral","sentiment_score":-0.04718367879589399},{"text":"And, typically, it would be a seventy thirty split.","start":703.22,"end":706.51996,"sentiment":"neutral","sentiment_score":-0.1541165684660276},{"text":"So that would be 70% growth, 30% defensive.","start":706.89996,"end":710.6,"sentiment":"neutral","sentiment_score":-0.09915915597230196}],"sentiment":"neutral","sentiment_score":-0.09443756781126324,"num_words":38,"start":695.415,"end":710.6},{"sentences":[{"text":"This one is more a a minimum of a five year time frame investment with a likelihood of a negative return in one in every six years.","start":711.69995,"end":723.52496,"sentiment":"negative","sentiment_score":-0.3631934236597132},{"text":"The variance of expected volatility is plus or minus 8%, whereas the variance for a growth for volatility is plus or minus 11%.","start":725.02496,"end":736.31995,"sentiment":"neutral","sentiment_score":-0.1957712508738041},{"text":"So there is a bit of a gap there.","start":736.62,"end":738.37994,"sentiment":"neutral","sentiment_score":-0.2916767332288954},{"text":"There's about a 3% gap, and you've got a 10 less exposure to growth assets and a 10% more exposure to defensive assets.","start":738.37994,"end":748.505,"sentiment":"neutral","sentiment_score":-0.14084119284930435},{"text":"So what yeah.","start":749.20496,"end":751.76495,"sentiment":"neutral","sentiment_score":0.14109226067860922}],"sentiment":"neutral","sentiment_score":-0.23235438189962332,"num_words":85,"start":711.69995,"end":751.76495},{"sentences":[{"text":"I just need to confirm that you're happy with the growth or that you wanna look at taking a little bit less risk.","start":751.76495,"end":760.19,"sentiment":"positive","sentiment_score":0.4070672334536262},{"text":"Your time frame for retirement sits with easily within both of those.","start":762.89,"end":769.07,"sentiment":"positive","sentiment_score":0.6283884644508362},{"text":"It's just what you're comfortable with.","start":770.015,"end":774.115,"sentiment":"positive","sentiment_score":0.5168953885634741},{"text":"So what let me see.","start":788.35,"end":790.37,"sentiment":"neutral","sentiment_score":0.028573476523160935},{"text":"Going to see if my computer wants to participate with me today.","start":795.175,"end":799.755,"sentiment":"neutral","sentiment_score":0.058287657176454864}],"sentiment":"positive","sentiment_score":0.35942930246478527,"num_words":58,"start":751.76495,"end":799.755},{"sentences":[{"text":"I am looking.","start":804.695,"end":806.235,"sentiment":"neutral","sentiment_score":0.0334799587726593},{"text":"Sorry.","start":816.17,"end":816.57,"sentiment":"neutral","sentiment_score":-0.1399586796760559},{"text":"One second, Sharon.","start":816.57,"end":817.61,"sentiment":"neutral","sentiment_score":-0.0929148222009341},{"text":"It won't be a moment.","start":817.61,"end":818.75,"sentiment":"neutral","sentiment_score":-0.15397826731204986},{"text":"Oh, it's your birthday soon.","start":820.73,"end":822.35004,"sentiment":"neutral","sentiment_score":-0.02034580186009407}],"sentiment":"neutral","sentiment_score":-0.06999315387185882,"num_words":17,"start":804.695,"end":822.35004},{"sentences":[{"text":"Yes.","start":826.825,"end":827.325,"sentiment":"neutral","sentiment_score":0.0001658610999584198},{"text":"Yeah.","start":827.705,"end":828.025,"sentiment":"neutral","sentiment_score":-0.01250926312059164},{"text":"Next week, it looks like.","start":828.025,"end":830.125,"sentiment":"neutral","sentiment_score":-0.03146998658776283},{"text":"So you'll be turning 57.","start":832.185,"end":833.965,"sentiment":"neutral","sentiment_score":-0.05395260974764824},{"text":"So if you retire at 65, that's eight years away.","start":834.66504,"end":840.12006,"sentiment":"neutral","sentiment_score":-0.18494704365730286}],"sentiment":"neutral","sentiment_score":-0.1040421281941235,"num_words":22,"start":826.825,"end":840.12006},{"sentences":[{"text":"So that's probably something to consider when thinking about comfort levels with the gross being a time frame of a minimum of six years and a balance gross being a minimum of five years.","start":844.18005,"end":855.57495,"sentiment":"neutral","sentiment_score":-0.0335186339695664},{"text":"And the question, I think, probably that you need to ask yourself would be, do you are you comfortable with a six year or five year allocation to some growth assets to review after that time or as, you know, a retirement approaches.","start":856.19495,"end":881.295,"sentiment":"neutral","sentiment_score":0.013271338111439417},{"text":"And because what happens is is as we as clients approach retirement, we do look at limiting and minimizing not minimizing.","start":882.63495,"end":891.45496,"sentiment":"neutral","sentiment_score":0.09153804360401063},{"text":"We do reduce exposure to growth assets and allocate some more to income because what happens in retirement is that we need income producing assets to produce that income for you without selling our growth assets that keeps your portfolio growing.","start":891.595,"end":908.655,"sentiment":"neutral","sentiment_score":0.15629301474588672},{"text":"So there's strategies as retirement approaches that we look at to make sure that you're invested correctly and in line with your time frame and and and more more importantly, your goals.","start":909.455,"end":924.275,"sentiment":"neutral","sentiment_score":0.33170868596062064}],"sentiment":"neutral","sentiment_score":0.10746213131480747,"num_words":171,"start":844.18005,"end":924.275},{"sentences":[{"text":"So it's it's really a comfort a comfort thing.","start":924.77,"end":929.65,"sentiment":"positive","sentiment_score":0.7294231586986117},{"text":"So when I speak to clients, my my advice is it needs to pass the sleep at night test.","start":929.65,"end":941.40497,"sentiment":"positive","sentiment_score":0.35441342623610245},{"text":"If it continued to be invested as it is, are you confident and comfortable with that?","start":941.46497,"end":947.885,"sentiment":"neutral","sentiment_score":0.2536215865984559},{"text":"Are you so at the moment, the market's going through a little bit of an up and down.","start":948.505,"end":952.925,"sentiment":"neutral","sentiment_score":-0.11272036987874243},{"text":"Can you sit through that and be confident that you have time on your side, or does that give you a little bit pause for concern?","start":955.46497,"end":964.47,"sentiment":"neutral","sentiment_score":0.09540560440375255}],"sentiment":"neutral","sentiment_score":0.20236577237532896,"num_words":88,"start":924.77,"end":964.47},{"sentences":[{"text":"Yeah.","start":971.01,"end":971.51,"sentiment":"neutral","sentiment_score":-0.014504838734865189},{"text":"Yeah.","start":971.81,"end":972.135,"sentiment":"neutral","sentiment_score":0.0049931351095438},{"text":"We can come back to it if you want some time to think about it.","start":978.695,"end":981.655,"sentiment":"neutral","sentiment_score":0.0500916043917338},{"text":"I'll go through the rest of the document.","start":981.655,"end":983.355,"sentiment":"neutral","sentiment_score":0.06525214714929461},{"text":"And because it's a lot to it's a lot to to think about.","start":985.41504,"end":990.02,"sentiment":"neutral","sentiment_score":-0.020073570454349883}],"sentiment":"neutral","sentiment_score":0.026392713777328793,"num_words":38,"start":971.01,"end":990.02},{"sentences":[{"text":"What I also can do is just complete that risk profile again and give you my recommendation if you like.","start":992.0,"end":999.46,"sentiment":"neutral","sentiment_score":0.0924852317199111},{"text":"Yeah?","start":1001.68,"end":1002.16,"sentiment":"neutral","sentiment_score":0.034257397055625916},{"text":"Okay.","start":1002.16,"end":1002.66,"sentiment":"neutral","sentiment_score":0.04732813686132431},{"text":"Let's go through that risk profile for you, Sharon.","start":1003.005,"end":1006.625,"sentiment":"neutral","sentiment_score":0.10875020051995914},{"text":"It won't be a second.","start":1006.765,"end":1007.645,"sentiment":"neutral","sentiment_score":0.06512127704918384}],"sentiment":"neutral","sentiment_score":0.08987912106224233,"num_words":36,"start":992.0,"end":1007.645},{"sentences":[{"text":"I'm just gonna jump in and open that up.","start":1007.645,"end":1009.585,"sentiment":"neutral","sentiment_score":0.09034744153420131},{"text":"So these the questions that we we talked through last time.","start":1017.885,"end":1020.97,"sentiment":"neutral","sentiment_score":0.047696884382854805},{"text":"And so you probably will have a a it will it you will probably recall them.","start":1020.97,"end":1035.145,"sentiment":"neutral","sentiment_score":0.02663908456452191},{"text":"There's about seven questions.","start":1035.845,"end":1038.985,"sentiment":"neutral","sentiment_score":0.005236045923084021},{"text":"No right or wrong answer, just what your your answer is.","start":1039.9249,"end":1045.705,"sentiment":"neutral","sentiment_score":-0.14278118312358856}],"sentiment":"neutral","sentiment_score":0.004203318125184844,"num_words":51,"start":1007.645,"end":1045.705},{"sentences":[{"text":"So what is the most aggressive investment you've ever made?","start":1046.07,"end":1050.1699,"sentiment":"neutral","sentiment_score":-0.010187174007296563},{"text":"Direct shares, managed funds, investment property, own home, or a bank account?","start":1050.39,"end":1056.09,"sentiment":"neutral","sentiment_score":-0.0004589441232383251},{"text":"Yeah.","start":1068.885,"end":1069.125,"sentiment":"neutral","sentiment_score":-0.003265243023633957},{"text":"Anything that you've invested into.","start":1069.125,"end":1078.25,"sentiment":"neutral","sentiment_score":-0.023946738243103026},{"text":"So a bank account, would that be yep.","start":1086.965,"end":1092.505,"sentiment":"neutral","sentiment_score":-0.030456379521638155}],"sentiment":"neutral","sentiment_score":-0.013167473332335552,"num_words":36,"start":1046.07,"end":1092.505},{"sentences":[{"text":"Okay.","start":1092.965,"end":1093.465,"sentiment":"neutral","sentiment_score":0.020734773948788643},{"text":"Oh, make sure I'm on the right sheet there.","start":1094.725,"end":1096.79,"sentiment":"neutral","sentiment_score":0.04137841591404544},{"text":"Filling in the right section.","start":1097.3301,"end":1098.63,"sentiment":"neutral","sentiment_score":0.05340916365385055},{"text":"Once your investments have been placed, so this is we're referring to your superannuation now, how long would it be before you need to access the capital?","start":1099.41,"end":1108.2301,"sentiment":"neutral","sentiment_score":-0.005591800781311812},{"text":"Longer than ten years, between seven to nine, between '4 to six, or between '2 to three, or less than two?","start":1108.77,"end":1116.395,"sentiment":"neutral","sentiment_score":-0.038650523782486006}],"sentiment":"neutral","sentiment_score":-0.004800845794971027,"num_words":63,"start":1092.965,"end":1116.395},{"sentences":[{"text":"Yep.","start":1119.815,"end":1120.315,"sentiment":"neutral","sentiment_score":0.2418310344219208},{"text":"Fantastic.","start":1120.375,"end":1120.875,"sentiment":"positive","sentiment_score":0.6613560914993286},{"text":"So the next question is inflation means things are getting more expensive over time, making our money worth less.","start":1121.975,"end":1129.32,"sentiment":"neutral","sentiment_score":-0.1396770104765892},{"text":"How much risk are you willing to take to keep up with rising prices?","start":1129.94,"end":1135.08,"sentiment":"neutral","sentiment_score":-0.13370708695479802},{"text":"Would you be willing to accept a very high risk, willing to accept high risk, a moderate risk, a small amount of risk, or none?","start":1135.78,"end":1145.505,"sentiment":"neutral","sentiment_score":-0.12153711944818496}],"sentiment":"neutral","sentiment_score":-0.11101672127842903,"num_words":60,"start":1119.815,"end":1145.505},{"sentences":[{"text":"Moderate?","start":1147.965,"end":1148.465,"sentiment":"neutral","sentiment_score":-0.0029265235643833876},{"text":"Okay.","start":1148.765,"end":1149.265,"sentiment":"neutral","sentiment_score":0.05555594339966774},{"text":"Beautiful.","start":1149.3251,"end":1149.8251,"sentiment":"positive","sentiment_score":0.4831957519054413},{"text":"And the next question is, in months' time, how would you feel if you found out your portfolio decreased by 20% due to trends in the financial market?","start":1151.645,"end":1162.54,"sentiment":"neutral","sentiment_score":-0.07935142650135926},{"text":"So if you think of that Vanguard chart, would you, number one, invest heavily for growth, invest modestly for growth, hold and weight improvement, shift your assets to defensive ones to minimize losses, or would you convert to cash?","start":1162.54,"end":1181.94,"sentiment":"neutral","sentiment_score":-0.04103449970865861}],"sentiment":"neutral","sentiment_score":-0.046948003699071705,"num_words":70,"start":1147.965,"end":1181.94},{"sentences":[{"text":"Yeah.","start":1189.1399,"end":1189.6399,"sentiment":"neutral","sentiment_score":-0.09081938862800598},{"text":"So if your portfolio decreased 20% today, what would you do?","start":1191.22,"end":1197.645,"sentiment":"neutral","sentiment_score":-0.16361569410020654},{"text":"Sorry?","start":1200.905,"end":1201.405,"sentiment":"neutral","sentiment_score":-0.11868733167648315},{"text":"Stress.","start":1204.825,"end":1205.225,"sentiment":"neutral","sentiment_score":-0.12247809767723083},{"text":"Yeah.","start":1205.225,"end":1205.5449,"sentiment":"neutral","sentiment_score":-0.061058200895786285}],"sentiment":"neutral","sentiment_score":-0.14618771026531854,"num_words":15,"start":1189.1399,"end":1205.5449},{"sentences":[{"text":"Yeah.","start":1205.5449,"end":1205.865,"sentiment":"neutral","sentiment_score":-0.05974448472261429},{"text":"I think we all probably would.","start":1205.865,"end":1207.53,"sentiment":"neutral","sentiment_score":-0.08625359957416852},{"text":"But would would you would you ring me and say, what would we do?","start":1207.77,"end":1212.3301,"sentiment":"neutral","sentiment_score":-0.14448401119027818},{"text":"What should I do?","start":1212.3301,"end":1213.29,"sentiment":"neutral","sentiment_score":-0.18101967871189117},{"text":"Or would you ring and say, I wanna move or I wanna sell all my growth assets and put it in defensive assets or put it all in cash?","start":1213.29,"end":1221.29,"sentiment":"neutral","sentiment_score":-0.1408669550357194}],"sentiment":"neutral","sentiment_score":-0.13720856758731384,"num_words":54,"start":1205.5449,"end":1221.29},{"sentences":[{"text":"What do you think you would do?","start":1221.29,"end":1222.755,"sentiment":"neutral","sentiment_score":-0.12392891411270414},{"text":"Yes.","start":1227.3151,"end":1227.795,"sentiment":"neutral","sentiment_score":-0.005527522414922714},{"text":"Okay.","start":1227.795,"end":1228.295,"sentiment":"neutral","sentiment_score":-0.0182739682495594},{"text":"My advice would be hold because the reason being is that we don't wanna sell our growth assets at a loss.","start":1229.075,"end":1238.7,"sentiment":"neutral","sentiment_score":-0.11255319682615143},{"text":"Does that make sense?","start":1240.7,"end":1241.84,"sentiment":"neutral","sentiment_score":0.012254894711077213}],"sentiment":"neutral","sentiment_score":-0.09429121893994949,"num_words":34,"start":1221.29,"end":1241.84},{"sentences":[{"text":"Okay.","start":1243.82,"end":1244.32,"sentiment":"neutral","sentiment_score":0.043819308280944824},{"text":"The next question is what kind of return do you expect to get from your investments over the long term?","start":1245.1799,"end":1251.6,"sentiment":"neutral","sentiment_score":0.05362189244478941},{"text":"8% above, six to 8%, four to six, or two to 4%.","start":1252.0599,"end":1257.715,"sentiment":"neutral","sentiment_score":0.047487602258721985},{"text":"It's there's no right or wrong answer.","start":1263.855,"end":1265.295,"sentiment":"neutral","sentiment_score":-0.045650726184248924},{"text":"It's just what you would like.","start":1265.295,"end":1266.45,"sentiment":"neutral","sentiment_score":0.10768317803740501}],"sentiment":"neutral","sentiment_score":0.04375331237426271,"num_words":46,"start":1243.82,"end":1266.45},{"sentences":[{"text":"Yep.","start":1271.73,"end":1272.13,"sentiment":"neutral","sentiment_score":0.15424415469169617},{"text":"That's fine.","start":1272.13,"end":1272.87,"sentiment":"neutral","sentiment_score":0.2418626993894577},{"text":"Then so the next question is, have your investments, including your superannuation ever dropped in value?","start":1275.4099,"end":1282.9851,"sentiment":"neutral","sentiment_score":-0.019304366724099964},{"text":"And if yes, how did it make you feel?","start":1283.765,"end":1286.5851,"sentiment":"neutral","sentiment_score":0.014045338249868818},{"text":"Optimistic about the future investments, cautious with no further investments planned, concerned, highly anxious and seeking advice, or seeking to maintain losses.","start":1287.8451,"end":1300.64,"sentiment":"neutral","sentiment_score":-0.32866708375513554}],"sentiment":"neutral","sentiment_score":-0.135503362249583,"num_words":50,"start":1271.73,"end":1300.64},{"sentences":[{"text":"So that yes.","start":1311.175,"end":1311.895,"sentiment":"neutral","sentiment_score":-0.07908813655376434},{"text":"So that's two separate ones.","start":1311.895,"end":1313.015,"sentiment":"neutral","sentiment_score":-0.11611545830965042},{"text":"So it's concerned or highly anxious and seeking advice.","start":1313.015,"end":1317.355,"sentiment":"neutral","sentiment_score":-0.28700241612063515},{"text":"So you could be concerned and seeking advice, or would you be highly anxious and seeking advice?","start":1318.455,"end":1323.275,"sentiment":"neutral","sentiment_score":-0.11285988986492157},{"text":"Yep.","start":1326.3401,"end":1326.8201,"sentiment":"neutral","sentiment_score":-0.010864613577723505}],"sentiment":"neutral","sentiment_score":-0.1522956053593329,"num_words":35,"start":1311.175,"end":1326.8201},{"sentences":[{"text":"Okay.","start":1326.8201,"end":1327.3201,"sentiment":"neutral","sentiment_score":-0.014622596092522144},{"text":"And yeah.","start":1328.1001,"end":1331.0801,"sentiment":"neutral","sentiment_score":-0.018685609102249146},{"text":"That's okay.","start":1331.14,"end":1332.02,"sentiment":"neutral","sentiment_score":0.07159621641039848},{"text":"And the last one is, have you ever thought about taking out a loan to invest to borrow for shares or an investment property or only for your principal place of residence?","start":1332.02,"end":1345.515,"sentiment":"neutral","sentiment_score":0.0020594231609720737},{"text":"Yep.","start":1349.8949,"end":1350.03,"sentiment":"neutral","sentiment_score":0.018286002799868584}],"sentiment":"neutral","sentiment_score":0.004615425328282933,"num_words":38,"start":1326.8201,"end":1350.03},{"sentences":[{"text":"Yep.","start":1351.23,"end":1351.73,"sentiment":"neutral","sentiment_score":0.08911287039518356},{"text":"Okay.","start":1352.5901,"end":1353.0901,"sentiment":"neutral","sentiment_score":0.2426966428756714},{"text":"Fantastic.","start":1353.87,"end":1354.37,"sentiment":"positive","sentiment_score":0.5031940937042236},{"text":"Alright.","start":1354.91,"end":1355.39,"sentiment":"neutral","sentiment_score":0.2945818603038788},{"text":"So you came out as a moderate investor.","start":1355.39,"end":1357.89,"sentiment":"neutral","sentiment_score":0.18071896396577358}],"sentiment":"neutral","sentiment_score":0.21461143158376217,"num_words":12,"start":1351.23,"end":1357.89},{"sentences":[{"text":"So that is the one below growth, which is the 70 to 30% allocation.","start":1358.8301,"end":1367.465,"sentiment":"neutral","sentiment_score":0.06398615134613854},{"text":"My advice as an adviser is to maintain your current risk profile being a growth.","start":1369.925,"end":1377.305,"sentiment":"neutral","sentiment_score":0.03931602438290914},{"text":"It is a difference of a 10% allocation to growth assets.","start":1377.765,"end":1381.6901,"sentiment":"neutral","sentiment_score":0.030756552280350166},{"text":"So instead of 70%, it would be 80%.","start":1382.31,"end":1386.01,"sentiment":"neutral","sentiment_score":0.031926730182021856},{"text":"You do have the time on your side to withstand the market fluctuations.","start":1386.63,"end":1392.97,"sentiment":"neutral","sentiment_score":0.0659459069944345}],"sentiment":"neutral","sentiment_score":0.04814064249274184,"num_words":61,"start":1358.8301,"end":1392.97},{"sentences":[{"text":"And the and the benefit is is that at our regular reviews, we revisit this conversation every single time.","start":1395.375,"end":1403.7151,"sentiment":"neutral","sentiment_score":0.171439029276371},{"text":"So it's not something that we're gonna set and forget.","start":1403.8551,"end":1406.435,"sentiment":"neutral","sentiment_score":-0.0533200865611434},{"text":"You have been in a gross portfolio for quite some time.","start":1408.91,"end":1412.43,"sentiment":"neutral","sentiment_score":-0.015185470100153576},{"text":"Your q super is also invest in a gross portfolio, probably a little bit higher than the the hub twenty four one.","start":1412.43,"end":1423.115,"sentiment":"neutral","sentiment_score":0.033097634515301746},{"text":"So I think your your my opinion is that you'll adapt to fluctuation, market fluctuation, that having somebody to talk these things through is extremely beneficial for you.","start":1423.415,"end":1438.63,"sentiment":"neutral","sentiment_score":0.21406278918896401}],"sentiment":"neutral","sentiment_score":0.10310007306850619,"num_words":90,"start":1395.375,"end":1438.63},{"sentences":[{"text":"So my recommendation is to maintain a growth portfolio solely because it's gonna give you that opportunity to continue growing your retirement savings whilst taking a slightly higher approach to growth assets compared to a moderate profile of 10%.","start":1440.85,"end":1463.125,"sentiment":"neutral","sentiment_score":0.1899232872021504},{"text":"Are you comfortable with that?","start":1465.425,"end":1468.81,"sentiment":"neutral","sentiment_score":0.10970931053161621},{"text":"Okay.","start":1469.11,"end":1469.61,"sentiment":"neutral","sentiment_score":0.0409850999712944},{"text":"Alright.","start":1469.67,"end":1470.15,"sentiment":"neutral","sentiment_score":-0.1433182954788208},{"text":"I just needed to make sure because I I don't want to recommend something that you're not fully aware of or comfortable with?","start":1470.15,"end":1482.025,"sentiment":"negative","sentiment_score":-0.350160235296125}],"sentiment":"neutral","sentiment_score":-0.0029052732431370278,"num_words":69,"start":1440.85,"end":1482.025},{"sentences":[{"text":"Yeah.","start":1482.025,"end":1482.525,"sentiment":"neutral","sentiment_score":-0.2199879884719849},{"text":"Okay.","start":1486.425,"end":1486.905,"sentiment":"neutral","sentiment_score":0.2360578775405884},{"text":"Alright.","start":1486.905,"end":1487.405,"sentiment":"positive","sentiment_score":0.48234066367149353},{"text":"That's fantastic.","start":1488.505,"end":1489.325,"sentiment":"positive","sentiment_score":0.7834644913673401},{"text":"Good.","start":1489.625,"end":1490.025,"sentiment":"positive","sentiment_score":0.6719023585319519}],"sentiment":"positive","sentiment_score":0.45620698233445484,"num_words":6,"start":1482.025,"end":1490.025},{"sentences":[{"text":"Good.","start":1490.025,"end":1490.345,"sentiment":"positive","sentiment_score":0.563610315322876},{"text":"And we'll revisit this conversation every year anyhow.","start":1490.345,"end":1494.285,"sentiment":"neutral","sentiment_score":0.2227623201906681},{"text":"The next dot pages are the strategy recommendations.","start":1497.0299,"end":1500.09,"sentiment":"neutral","sentiment_score":0.12320470064878464},{"text":"So this is where I'm looking at your superannuation.","start":1500.5499,"end":1503.0499,"sentiment":"neutral","sentiment_score":0.0784100563161903},{"text":"So I have recommended that you retain Hub and q super.","start":1504.07,"end":1509.13,"sentiment":"neutral","sentiment_score":0.06736726754091003}],"sentiment":"neutral","sentiment_score":0.12913721437389786,"num_words":37,"start":1490.025,"end":1509.13},{"sentences":[{"text":"What we're gonna do is roll over the majority of your q super, leaving a $10,000 balance so your insurances remain in force and the difference being rolled to hub twenty four and invested in hub twenty four.","start":1509.35,"end":1523.825,"sentiment":"neutral","sentiment_score":0.06491401468060519},{"text":"Leaving the 10,000 means that you keep your superannuation.","start":1525.8601,"end":1528.8401,"sentiment":"neutral","sentiment_score":0.09902224524153604},{"text":"You also have your super guarantee contributions going into q super, which there's two folds of protection there to ensure that your insurances don't lapse for any reason.","start":1529.7001,"end":1542.125,"sentiment":"neutral","sentiment_score":0.08858339807816915},{"text":"But I wanna put in place an extra step to complete an opt in form with q super.","start":1542.425,"end":1548.365,"sentiment":"neutral","sentiment_score":0.0688859313312504},{"text":"So if if, for example, your balance falls below $10,000 because the market drops, for example, or your super guarantee hasn't been paid there for sixteen months, this opt in form protects your insurance from ever being canceled.","start":1549.705,"end":1570.6951,"sentiment":"neutral","sentiment_score":0.0222815030475}],"sentiment":"neutral","sentiment_score":0.06049550985490889,"num_words":131,"start":1509.35,"end":1570.6951},{"sentences":[{"text":"So I just wanna go that one step extra and make sure that form's signed so that it can never be canceled.","start":1570.6951,"end":1576.795,"sentiment":"neutral","sentiment_score":0.08287535133686932},{"text":"So the the re the then we go into the best interest duty.","start":1579.89,"end":1584.37,"sentiment":"neutral","sentiment_score":0.021589616743417885},{"text":"So this explains why I've made those recommendations, which is maintaining the q super so your insurance remains in place.","start":1584.37,"end":1593.35,"sentiment":"neutral","sentiment_score":0.05518029779195786},{"text":"The I've also recommended that every year at our reviews, we will do a rollover from q super to hub 24, and it won't be in this document this size of document every year.","start":1594.725,"end":1609.0599,"sentiment":"neutral","sentiment_score":-0.00039156822159009823},{"text":"It'll be in something called a record of advice because I'm covering it off in this document.","start":1609.0599,"end":1613.0599,"sentiment":"neutral","sentiment_score":0.13529675979824626}],"sentiment":"neutral","sentiment_score":0.05183264433915885,"num_words":106,"start":1570.6951,"end":1613.0599},{"sentences":[{"text":"So we can just do it every year for you without having to go through this large document.","start":1613.0599,"end":1617.4,"sentiment":"neutral","sentiment_score":0.22365349448389477},{"text":"So we won't get to the situation where it is missed like it had been last year because we don't want that to happen.","start":1618.02,"end":1628.1749,"sentiment":"neutral","sentiment_score":0.0074323030809561414},{"text":"The hub 24 the reason I did consider maintaining q super and having all your funds in q super, the reason that I did not do that is because I did not recommend that.","start":1630.875,"end":1645.54,"sentiment":"neutral","sentiment_score":-0.19933474940412185},{"text":"It's because industry funds are fantastic when building wealth.","start":1645.54,"end":1650.6951,"sentiment":"neutral","sentiment_score":0.28611813278661835},{"text":"As we get closer to retirement, they invest in assets called unlisted assets.","start":1652.1951,"end":1660.295,"sentiment":"neutral","sentiment_score":0.03868201518288025}],"sentiment":"neutral","sentiment_score":0.005149858034386926,"num_words":98,"start":1613.0599,"end":1660.295},{"sentences":[{"text":"So that could be so things that aren't listed on the ASX, for example.","start":1660.355,"end":1666.62,"sentiment":"neutral","sentiment_score":-0.035268857942095826},{"text":"And what that what can be a result of that is if you recall the GFC, one of the most popular ones was impacted impacted the property market so heavily.","start":1668.6,"end":1691.86,"sentiment":"neutral","sentiment_score":-0.10451960557450851},{"text":"When clients get closer to retirement, liquidity is an extremely important factor because clients need access to their funds to retire.","start":1693.12,"end":1703.7,"sentiment":"neutral","sentiment_score":0.03266624441104276},{"text":"So I've always operated in the sense that whilst building wealth and in your early stages of your career, industry funds are a fantastic opportunity low fees.","start":1704.335,"end":1719.9199,"sentiment":"neutral","sentiment_score":0.1588520782965201},{"text":"As you get closer to retirement, you need funds that don't invest in those types of investments.","start":1720.3799,"end":1727.84,"sentiment":"neutral","sentiment_score":-0.07507264000528}],"sentiment":"neutral","sentiment_score":0.0006367907167301266,"num_words":109,"start":1660.355,"end":1727.84},{"sentences":[{"text":"So everything we recommend recommend is a listed asset.","start":1728.46,"end":1732.24,"sentiment":"neutral","sentiment_score":0.030144721683528688},{"text":"So that means that your funds you have access to a daily share price.","start":1732.2999,"end":1737.905,"sentiment":"neutral","sentiment_score":0.023445905186235905},{"text":"In an unlisted asset, the the price might be calculated quarterly or monthly.","start":1737.9651,"end":1743.745,"sentiment":"neutral","sentiment_score":-0.03559363962939152},{"text":"So you don't have a live value.","start":1743.885,"end":1746.865,"sentiment":"neutral","sentiment_score":-0.09387047801698957},{"text":"So that's why for my retiree clients that are approaching retirement, I tend to on the side of caution when it comes to those types of investments.","start":1749.165,"end":1758.61,"sentiment":"neutral","sentiment_score":-0.1176584328490275}],"sentiment":"neutral","sentiment_score":-0.052814902578081406,"num_words":70,"start":1728.46,"end":1758.61},{"sentences":[{"text":"So that's why I didn't choose q super.","start":1759.39,"end":1764.415,"sentiment":"neutral","sentiment_score":-0.07706645131111145},{"text":"Yeah.","start":1765.755,"end":1766.155,"sentiment":"neutral","sentiment_score":0.01990067213773727},{"text":"Yep.","start":1766.155,"end":1766.655,"sentiment":"neutral","sentiment_score":0.023912018164992332},{"text":"Then so what my recommendation is is essentially that we're gonna keep 10,000 in q super to maintain your insurance, get you to sign that opt in form to make sure your insurance remain active, roll the surplus to hub twenty four.","start":1767.275,"end":1784.35,"sentiment":"neutral","sentiment_score":0.05501566512421483},{"text":"The the fees will increase a little bit, your administration fees, simply because so it says you'll pay $228 more in administration fees in hub twenty four, and that's because we're taking the funds out of q super and increasing them in Hub 24.","start":1785.45,"end":1810.39,"sentiment":"neutral","sentiment_score":-0.04108221500857987}],"sentiment":"neutral","sentiment_score":-0.0007258171390276402,"num_words":96,"start":1759.39,"end":1810.39},{"sentences":[{"text":"So the difference between that will be $228.","start":1810.39,"end":1814.23,"sentiment":"neutral","sentiment_score":0.027142521226778626},{"text":"So it's gonna so that's the savings from QSuper and the extra that you'll pay with hub twenty four.","start":1814.23,"end":1822.485,"sentiment":"neutral","sentiment_score":0.18658690860396937},{"text":"Does that make sense?","start":1822.485,"end":1823.625,"sentiment":"neutral","sentiment_score":0.1050424613058567},{"text":"Yes.","start":1824.885,"end":1825.365,"sentiment":"neutral","sentiment_score":0.2114886939525604},{"text":"Okay.","start":1825.365,"end":1825.845,"sentiment":"positive","sentiment_score":0.4552641212940216}],"sentiment":"neutral","sentiment_score":0.14694588162908048,"num_words":33,"start":1810.39,"end":1825.845},{"sentences":[{"text":"Fantastic.","start":1825.845,"end":1826.345,"sentiment":"positive","sentiment_score":0.7525285482406616},{"text":"Additionally, there is no CGT exposure in the q super fund because they're gonna make a few investment switches as well.","start":1831.7,"end":1839.88,"sentiment":"positive","sentiment_score":0.41487519443035126},{"text":"I mean, in the hub twenty four fund.","start":1839.94,"end":1841.62,"sentiment":"neutral","sentiment_score":0.18697019666433334},{"text":"Sorry.","start":1841.62,"end":1842.12,"sentiment":"neutral","sentiment_score":0.023064734414219856},{"text":"Because, yeah, there's no capital gains tax.","start":1843.5449,"end":1846.605,"sentiment":"neutral","sentiment_score":-0.013936382319246021}],"sentiment":"neutral","sentiment_score":0.2864784016519001,"num_words":38,"start":1825.845,"end":1846.605},{"sentences":[{"text":"In q super, there could be.","start":1847.065,"end":1849.385,"sentiment":"neutral","sentiment_score":-0.0012717883413036664},{"text":"It is hard for us to know because of the type of fund it is.","start":1849.385,"end":1854.69,"sentiment":"neutral","sentiment_score":-0.07182314321398735},{"text":"So because all the money is invested in a pooled situation, so yours is invested with everyone else in the lifetime focus, you don't have you own a share of it.","start":1854.69,"end":1867.25,"sentiment":"neutral","sentiment_score":0.06448545613356176},{"text":"You don't own the investment specifically.","start":1867.25,"end":1869.2699,"sentiment":"neutral","sentiment_score":-0.07488496539493401},{"text":"So an allocation of capital gains tax would be applicable to you.","start":1869.945,"end":1874.845,"sentiment":"neutral","sentiment_score":-0.06871482978264491}],"sentiment":"neutral","sentiment_score":-0.0051402355411223006,"num_words":70,"start":1847.065,"end":1874.845},{"sentences":[{"text":"Typically smaller in a pooled fund, but I'm unable to actually determine what that will be.","start":1875.1449,"end":1881.245,"sentiment":"neutral","sentiment_score":-0.12862994754686952},{"text":"So in line with considering q super as well, we considered another fund like my north.","start":1885.2001,"end":1890.8201,"sentiment":"neutral","sentiment_score":0.004367043497040868},{"text":"The a high CGT would have been occurred through hub twenty four to do that, approximately $1,600.","start":1892.3201,"end":1898.7649,"sentiment":"neutral","sentiment_score":-0.06087175734779414},{"text":"So that's why I discounted that.","start":1898.7649,"end":1900.945,"sentiment":"neutral","sentiment_score":-0.011247520645459494},{"text":"And, also, their investment trading fees are a little bit higher.","start":1902.5249,"end":1906.625,"sentiment":"neutral","sentiment_score":-0.06810669567097317}],"sentiment":"neutral","sentiment_score":-0.05817704721156395,"num_words":66,"start":1875.1449,"end":1906.625},{"sentences":[{"text":"So any questions following that?","start":1907.245,"end":1909.47,"sentiment":"neutral","sentiment_score":-0.0023814247921109194},{"text":"No.","start":1911.47,"end":1911.71,"sentiment":"neutral","sentiment_score":-0.12663152813911438},{"text":"It's a lot to take in, isn't it?","start":1911.71,"end":1913.57,"sentiment":"neutral","sentiment_score":-0.11950117349624634},{"text":"The fee comparison is the next page.","start":1916.11,"end":1918.4299,"sentiment":"neutral","sentiment_score":0.002605789474078587},{"text":"So that's the difference in the fees that I explained to you.","start":1918.4299,"end":1922.2899,"sentiment":"neutral","sentiment_score":0.02457727336635192}],"sentiment":"neutral","sentiment_score":-0.02367818888954141,"num_words":33,"start":1907.245,"end":1922.2899},{"sentences":[{"text":"So that table so running your eyes over that first table, any questions there?","start":1922.955,"end":1929.855,"sentiment":"neutral","sentiment_score":0.036715210415422916},{"text":"No.","start":1939.29,"end":1939.79,"sentiment":"neutral","sentiment_score":-0.07231704890727997},{"text":"No.","start":1953.865,"end":1954.365,"sentiment":"neutral","sentiment_score":-0.0441180095076561},{"text":"And that second table below is your projected balance.","start":1955.0651,"end":1958.76,"sentiment":"neutral","sentiment_score":0.032910751178860664},{"text":"So we don't do anything sick like large balance projections outside of ten years.","start":1959.08,"end":1966.86,"sentiment":"neutral","sentiment_score":-0.07954850103279958}],"sentiment":"neutral","sentiment_score":-0.010766778626883676,"num_words":39,"start":1922.955,"end":1966.86},{"sentences":[{"text":"So you'll see in five years, if you leave things currently as they are, your expected balance is 262 or 263,000 rounded up.","start":1967.24,"end":1978.715,"sentiment":"neutral","sentiment_score":0.011267087503295877},{"text":"If we go with the recommended, it's projected to be 306,000.","start":1979.015,"end":1983.515,"sentiment":"neutral","sentiment_score":0.02826640314676545},{"text":"But at age 65, which is in nine years' time, if we go with the recommended, you're gonna be approximately $90,000 better off.","start":1984.4551,"end":1994.6699,"sentiment":"neutral","sentiment_score":0.027064562977656074},{"text":"So that's based on historical returns, but also conservative as well in nature.","start":1997.61,"end":2004.1449,"sentiment":"neutral","sentiment_score":0.04509695046223127},{"text":"So we're not gonna some may calculate these saying, oh, this is based on a 20% return.","start":2004.1449,"end":2009.845,"sentiment":"neutral","sentiment_score":-0.17090395312098897}],"sentiment":"neutral","sentiment_score":-0.012948832774384954,"num_words":87,"start":1967.24,"end":2009.845},{"sentences":[{"text":"They're definitely not.","start":2010.1449,"end":2011.365,"sentiment":"negative","sentiment_score":-0.3480877677599589},{"text":"They're they're based on a very conservative return.","start":2011.62,"end":2014.92,"sentiment":"neutral","sentiment_score":-0.065283820964396},{"text":"The next page just shows you the annualized investment returns as of the August 31, and it's just comparing between the two.","start":2017.46,"end":2025.48,"sentiment":"neutral","sentiment_score":0.15061405741355635},{"text":"So you'll see over the long term, Hub does perform better.","start":2026.18,"end":2031.735,"sentiment":"neutral","sentiment_score":0.2934590957381509},{"text":"Well, the portfolio that we've created in Hub does perform better than q super over the longer term, which is what we wanna see.","start":2031.735,"end":2041.02,"sentiment":"neutral","sentiment_score":0.26492502726614475}],"sentiment":"neutral","sentiment_score":0.1666650897001519,"num_words":68,"start":2010.1449,"end":2041.02},{"sentences":[{"text":"The next the next one is the recommended investment.","start":2044.36,"end":2047.7201,"sentiment":"neutral","sentiment_score":0.05226217955350876},{"text":"So it's a table of your superannuation with the first line being your q super.","start":2047.7201,"end":2053.465,"sentiment":"neutral","sentiment_score":0.038575337082147595},{"text":"So you'll see that there's a negative figure of 76 odd thousand dollars with a remaining balance of 10.","start":2053.465,"end":2059.885,"sentiment":"neutral","sentiment_score":-0.10027928245989115},{"text":"That's what we're gonna take out.","start":2059.945,"end":2061.645,"sentiment":"neutral","sentiment_score":-0.10095176224907239},{"text":"And then that's gonna be spread across your existing hub twenty four account.","start":2062.265,"end":2067.1,"sentiment":"neutral","sentiment_score":-0.0194142132710952}],"sentiment":"neutral","sentiment_score":-0.02765180710552921,"num_words":62,"start":2044.36,"end":2067.1},{"sentences":[{"text":"So you'll also know, yeah, you'll also know that first one note, sorry, that first one being the panel on concentrated equities with a negative figure of $19,679.81.","start":2067.48,"end":2081.415,"sentiment":"neutral","sentiment_score":-0.07526666597862329},{"text":"That's the one that we're gonna sell out of that was underperforming.","start":2082.035,"end":2085.175,"sentiment":"neutral","sentiment_score":-0.24987773224711418},{"text":"So that one as and then it will be spread.","start":2086.595,"end":2092.82,"sentiment":"neutral","sentiment_score":0.16811679005622865},{"text":"That plus some funds coming from your superannuation in q super will be spread out across your new portfolio.","start":2092.82,"end":2099.0,"sentiment":"neutral","sentiment_score":0.1639663257489079},{"text":"The other ones that are negative showing in red, we're selling out of those investments to take a to invest differently in some alternative funds.","start":2099.94,"end":2111.765,"sentiment":"neutral","sentiment_score":-0.14996711313724517}],"sentiment":"neutral","sentiment_score":-0.04317711886177038,"num_words":94,"start":2067.48,"end":2111.765},{"sentences":[{"text":"So any questions there?","start":2115.105,"end":2116.44,"sentiment":"neutral","sentiment_score":0.08004431799054146},{"text":"Okay.","start":2120.3599,"end":2120.8599,"sentiment":"neutral","sentiment_score":0.04085284471511841},{"text":"And sorry.","start":2122.5999,"end":2123.24,"sentiment":"neutral","sentiment_score":0.016913326922804117},{"text":"That table continues below.","start":2123.24,"end":2124.78,"sentiment":"neutral","sentiment_score":0.01040204823948443},{"text":"So you'll see that so that beta shares 200 is actually what we're replacing the Benelong one with.","start":2125.72,"end":2131.1848,"sentiment":"neutral","sentiment_score":0.034335045971804194}],"sentiment":"neutral","sentiment_score":0.03636192382666571,"num_words":29,"start":2115.105,"end":2131.1848},{"sentences":[{"text":"Yep.","start":2135.405,"end":2135.905,"sentiment":"neutral","sentiment_score":0.1745174378156662},{"text":"Okay.","start":2136.285,"end":2136.785,"sentiment":"positive","sentiment_score":0.5156992673873901},{"text":"The next section is your asset allocation.","start":2139.805,"end":2142.625,"sentiment":"neutral","sentiment_score":0.290588589651244},{"text":"So being a growth investor, which we've just confirmed you're happy with, this is how your funds are spread.","start":2143.005,"end":2151.76,"sentiment":"neutral","sentiment_score":0.30318044596596766},{"text":"So you'll see in the proposed column and the existing, so they're the two middle ones, your current allocation to Australian equities is approximately 23%.","start":2151.8198,"end":2163.2751,"sentiment":"neutral","sentiment_score":0.06296520322561264}],"sentiment":"neutral","sentiment_score":0.18979047899538615,"num_words":53,"start":2135.405,"end":2163.2751},{"sentences":[{"text":"We're gonna reduce that a little bit down to 20%.","start":2163.495,"end":2166.475,"sentiment":"neutral","sentiment_score":0.032820244878530504},{"text":"International equities, you're currently exposed to about 42%.","start":2167.335,"end":2172.875,"sentiment":"neutral","sentiment_score":-0.010332952137105167},{"text":"We're gonna increase that to about 54%.","start":2172.935,"end":2176.27,"sentiment":"neutral","sentiment_score":0.05039956793189049},{"text":"And that just shows you the difference in your port your the the underlying sectors.","start":2178.25,"end":2185.87,"sentiment":"neutral","sentiment_score":0.0220517228047053},{"text":"But then if you see the growth, you have about 80 let's round it up, 85% invested in growth assets.","start":2186.09,"end":2193.065,"sentiment":"neutral","sentiment_score":0.029418581817299127}],"sentiment":"neutral","sentiment_score":0.02529138809380432,"num_words":60,"start":2163.495,"end":2193.065},{"sentences":[{"text":"So instead of 80, it's sitting at about 85 due to market conditions at the moment.","start":2193.845,"end":2198.4849,"sentiment":"neutral","sentiment_score":-0.008707343164132908},{"text":"So those figures will always change and fluctuate up and down depending on how the market's trading.","start":2198.4849,"end":2198.9648,"sentiment":"neutral","sentiment_score":-0.010621232473674943},{"text":"Okay.","start":2198.9648,"end":2199.125,"sentiment":"neutral","sentiment_score":0.05126827582716942},{"text":"So retirement income calculation.","start":2199.125,"end":2214.32,"sentiment":"neutral","sentiment_score":-0.0255129961296916},{"text":"So this is based on your information today.","start":2214.645,"end":2217.385,"sentiment":"neutral","sentiment_score":0.00855568703263998}],"sentiment":"neutral","sentiment_score":-0.00656992728497995,"num_words":46,"start":2193.845,"end":2217.385},{"sentences":[{"text":"So it's a very small table.","start":2218.405,"end":2220.585,"sentiment":"neutral","sentiment_score":-0.0068796419848998385},{"text":"So I'm just gonna zoom in.","start":2221.125,"end":2222.825,"sentiment":"neutral","sentiment_score":0.00647941860370338},{"text":"So this this is indicative of adviser fees and a consideration has been made for platform costs and investment fees.","start":2224.085,"end":2237.98,"sentiment":"neutral","sentiment_score":0.01133468309417367},{"text":"So this shows you the age pension is the blue part of the graph, and the green is the is your superannuation.","start":2239.16,"end":2250.255,"sentiment":"neutral","sentiment_score":0.01836620415137573},{"text":"So based on today's situation, your superannuation at $1,000 a week or 2,000 is your target, And this is a very basic one because we're not looking at retirement at the moment specifically.","start":2251.355,"end":2265.0398,"sentiment":"neutral","sentiment_score":-0.0006121922792358832}],"sentiment":"neutral","sentiment_score":0.006990189284043408,"num_words":87,"start":2218.405,"end":2265.0398},{"sentences":[{"text":"But to give you some insight, your superannuation balance on $2,000 a fortnight is gonna take you to age 91, and that's with a retirement date of 65.","start":2265.18,"end":2278.915,"sentiment":"neutral","sentiment_score":0.03543463336037738},{"text":"So this starts at 65.","start":2278.915,"end":2280.855,"sentiment":"neutral","sentiment_score":0.026330156624317168},{"text":"So you'll see that at 67, the age pension kicks in, and you don't need to draw as much from super to supplement that difference, which is why your superannuation lasts longer.","start":2281.395,"end":2294.48,"sentiment":"neutral","sentiment_score":0.25718642584979534},{"text":"So once we've paid off that debt and we're able to put potentially a little bit more into super to build that for you, I do not see any reason based on today's state why you would not be able to retire at 65.","start":2294.94,"end":2313.155,"sentiment":"neutral","sentiment_score":0.13413451722061093},{"text":"Okay?","start":2313.615,"end":2314.115,"sentiment":"neutral","sentiment_score":0.0629524439573288}],"sentiment":"neutral","sentiment_score":0.1392605213279074,"num_words":110,"start":2265.18,"end":2314.115},{"sentences":[{"text":"So I wanted to give you a little bit of peace of mind there because I know that that was probably weighing on you.","start":2314.175,"end":2323.16,"sentiment":"neutral","sentiment_score":0.20470533162976304},{"text":"Yep.","start":2324.98,"end":2325.48,"sentiment":"neutral","sentiment_score":0.1780819594860077},{"text":"Generally, the next page is the general insurance advice.","start":2328.18,"end":2330.705,"sentiment":"neutral","sentiment_score":0.0770295187830925},{"text":"So this is where I I looked into q super a little bit.","start":2330.705,"end":2333.685,"sentiment":"neutral","sentiment_score":0.07708491757512093},{"text":"It does say that you are able to decrease it to thirty or sixty days.","start":2333.905,"end":2339.125,"sentiment":"neutral","sentiment_score":0.017678620914618175}],"sentiment":"neutral","sentiment_score":0.11373481983619352,"num_words":62,"start":2314.175,"end":2339.125},{"sentences":[{"text":"There are some eligibility requirements.","start":2339.2651,"end":2341.365,"sentiment":"neutral","sentiment_score":-0.09398643672466278},{"text":"I wasn't able to ascertain what those were.","start":2341.53,"end":2344.43,"sentiment":"neutral","sentiment_score":-0.0894381906837225},{"text":"The change can be done through member online, which you mentioned you tried to do, but it wouldn't work, or completing a change of insurance form.","start":2346.8901,"end":2355.005,"sentiment":"neutral","sentiment_score":0.033691228224107854},{"text":"Decreasing the waiting period will increase the cost of your insurance.","start":2356.6648,"end":2360.2048,"sentiment":"neutral","sentiment_score":-0.12931311333721335},{"text":"But if you were unable to do it online, you could try by doing it through the change of insurance form to see if you were successful in doing that.","start":2360.9048,"end":2372.36,"sentiment":"neutral","sentiment_score":-0.056594310949246086}],"sentiment":"neutral","sentiment_score":-0.04287174188066274,"num_words":80,"start":2339.2651,"end":2372.36},{"sentences":[{"text":"Okay?","start":2374.18,"end":2374.68,"sentiment":"neutral","sentiment_score":-0.0012492183595895767},{"text":"That's okay.","start":2377.1401,"end":2377.96,"sentiment":"neutral","sentiment_score":0.2052454799413681},{"text":"And then the next page is establishing your beneficiary nomination.","start":2378.66,"end":2382.585,"sentiment":"neutral","sentiment_score":0.11185093447566033},{"text":"So at the moment, we we have recommended making them to your legal personal representative, which is basically your will.","start":2385.5251,"end":2394.185,"sentiment":"neutral","sentiment_score":0.05918482057750225},{"text":"So that's one thing that I do need to just flag with you that the reason why we have made it to your legal personal representative is because it you save approximately 2% on tax payable to the government on your balances.","start":2396.1702,"end":2414.305,"sentiment":"neutral","sentiment_score":0.10586958431771823}],"sentiment":"neutral","sentiment_score":0.09543960052231948,"num_words":75,"start":2374.18,"end":2414.305},{"sentences":[{"text":"But I also note that you don't have a will in place at the moment yet either.","start":2415.885,"end":2419.665,"sentiment":"neutral","sentiment_score":-0.13238199142848744},{"text":"So it's it would be if you if you did pass away with no will, it would go to, I believe, the Queensland trustees to manage it.","start":2420.125,"end":2434.2998,"sentiment":"neutral","sentiment_score":-0.19211642692486444},{"text":"If you there are many ways you can get a will.","start":2435.72,"end":2438.405,"sentiment":"neutral","sentiment_score":0.19234205105087973},{"text":"You can go I think there's a few online that you can do that you can utilize that are very low cost.","start":2438.405,"end":2447.305,"sentiment":"positive","sentiment_score":0.3956136764450507},{"text":"There's also the post office ones, I think, you can go get or or something.","start":2447.445,"end":2454.24,"sentiment":"neutral","sentiment_score":0.21717683474222818}],"sentiment":"neutral","sentiment_score":0.07216607155683248,"num_words":92,"start":2415.885,"end":2454.24},{"sentences":[{"text":"So I'll just I'll leave that with you and see how you go, and I can provide you with some resources if you need to.","start":2454.2998,"end":2470.895,"sentiment":"positive","sentiment_score":0.34857860565185544},{"text":"To your estate to your will.","start":2470.955,"end":2473.055,"sentiment":"neutral","sentiment_score":0.056782438730200134},{"text":"So a legal personal representative for superannuation is your will for your estate.","start":2473.115,"end":2477.935,"sentiment":"neutral","sentiment_score":0.09087990023768865},{"text":"So, yeah, that's what the superannuation companies refer to as your estate.","start":2479.79,"end":2487.09,"sentiment":"neutral","sentiment_score":0.07318064756691456},{"text":"So instead of saying estate, they say legal personal representative, which is essentially the executor of your will.","start":2487.15,"end":2494.405,"sentiment":"neutral","sentiment_score":0.02477470738813281}],"sentiment":"neutral","sentiment_score":0.1562258240615798,"num_words":74,"start":2454.2998,"end":2494.405},{"sentences":[{"text":"So, yeah, it it's probably pretty important to get one done up.","start":2494.945,"end":2501.0452,"sentiment":"neutral","sentiment_score":0.12879149739940962},{"text":"We can definitely direct your superannuation to somebody over the age of 18.","start":2502.385,"end":2509.66,"sentiment":"neutral","sentiment_score":0.22771118581295013},{"text":"However, they will pay 15% superannuation tax as well as the 2% on top of that for Medicare.","start":2510.2,"end":2520.795,"sentiment":"neutral","sentiment_score":-0.06384691906472047},{"text":"Yeah.","start":2521.2551,"end":2521.7551,"sentiment":"neutral","sentiment_score":0.09954549372196198},{"text":"Yeah.","start":2521.895,"end":2522.135,"sentiment":"neutral","sentiment_score":0.14297786355018616}],"sentiment":"neutral","sentiment_score":0.0799782710770766,"num_words":45,"start":2494.945,"end":2522.135},{"sentences":[{"text":"They don't miss you.","start":2522.135,"end":2523.275,"sentiment":"neutral","sentiment_score":0.1041557565331459},{"text":"So the reason why we do say a will is simply because you save the 2% on tax if you're having if your beneficiary is a nonfinancial dependent, which we discussed previously, is your current one with hub twenty four is not a financial dependent under superannuation and tax law.","start":2523.335,"end":2550.515,"sentiment":"neutral","sentiment_score":0.19854126013815404},{"text":"So we can definitely still nominate an individual until you get a will in place, but I would strongly recommend looking into that will situation as soon as you can.","start":2553.695,"end":2568.01,"sentiment":"neutral","sentiment_score":0.10739714453617731},{"text":"So on that, did you want to nominate an individual, or did you with your beneficiary nominations?","start":2570.87,"end":2577.765,"sentiment":"neutral","sentiment_score":0.04095477260210935},{"text":"Because that's something that I do need to make sure I address for you.","start":2577.9248,"end":2581.305,"sentiment":"neutral","sentiment_score":0.0022707372637731688}],"sentiment":"neutral","sentiment_score":0.12429236369612424,"num_words":115,"start":2522.135,"end":2581.305},{"sentences":[{"text":"You can, but they will pay the 17% tax instead of the 15% tax your estate would pay.","start":2585.045,"end":2595.27,"sentiment":"neutral","sentiment_score":-0.06042619008156988},{"text":"For as a stopgap for the time being, if you wanted to until you got the will done, you could put your kids.","start":2596.37,"end":2605.1,"sentiment":"neutral","sentiment_score":-0.012190257806492888},{"text":"Once you got the will done, if your kids were the beneficiary of your will, you we can change that to then being your estate.","start":2605.1,"end":2615.805,"sentiment":"neutral","sentiment_score":0.005250827372074127},{"text":"Sorry?","start":2622.56,"end":2623.06,"sentiment":"neutral","sentiment_score":-0.1021023765206337},{"text":"As your beneficiary?","start":2627.44,"end":2628.42,"sentiment":"neutral","sentiment_score":-0.032136496156454086}],"sentiment":"neutral","sentiment_score":-0.02050412188151053,"num_words":70,"start":2585.045,"end":2628.42},{"sentences":[{"text":"So do you want your dad to get your superannuation or your children?","start":2630.8,"end":2634.02,"sentiment":"neutral","sentiment_score":-0.015747819469722275},{"text":"Yes.","start":2636.16,"end":2636.64,"sentiment":"neutral","sentiment_score":0.03088926523923874},{"text":"Yep.","start":2636.64,"end":2637.045,"sentiment":"neutral","sentiment_score":0.04717645049095154},{"text":"Okay.","start":2637.125,"end":2637.4448,"sentiment":"neutral","sentiment_score":0.03817639499902725},{"text":"So you so your two children being the beneficiaries?","start":2637.4448,"end":2640.665,"sentiment":"neutral","sentiment_score":0.03594872169196606}],"sentiment":"neutral","sentiment_score":0.009402358114020898,"num_words":25,"start":2630.8,"end":2640.665},{"sentences":[{"text":"Yep.","start":2642.565,"end":2642.9648,"sentiment":"neutral","sentiment_score":0.07105155289173126},{"text":"Okay.","start":2642.9648,"end":2643.4648,"sentiment":"neutral","sentiment_score":0.06230921298265457},{"text":"Well, we'll make sure those forms are included in the pack for you.","start":2643.845,"end":2648.505,"sentiment":"neutral","sentiment_score":0.06237714651685495},{"text":"The next couple of pages cover off on why you should establish a will and a power of attorney, which we talked through in our review.","start":2651.285,"end":2659.22,"sentiment":"neutral","sentiment_score":0.00914256783345571},{"text":"That's in there just to give you the information there.","start":2659.52,"end":2662.58,"sentiment":"neutral","sentiment_score":0.044675175473093985}],"sentiment":"neutral","sentiment_score":0.03193572919596644,"num_words":51,"start":2642.565,"end":2662.58},{"sentences":[{"text":"Page 33 is our ongoing services.","start":2663.6,"end":2667.205,"sentiment":"neutral","sentiment_score":0.04093201396365961},{"text":"So this is by being a client what you receive from us.","start":2667.2651,"end":2672.085,"sentiment":"neutral","sentiment_score":0.08865156583487988},{"text":"Like I mentioned, you're not limited to your one annual review a year.","start":2672.145,"end":2676.5652,"sentiment":"neutral","sentiment_score":0.0803177052965531},{"text":"We have an ongoing relationship.","start":2676.625,"end":2678.085,"sentiment":"neutral","sentiment_score":0.10668183118104935},{"text":"So as you need advice or if all things change, you just reach out, and we're that's what we're here for to provide advice.","start":2678.225,"end":2687.85,"sentiment":"neutral","sentiment_score":0.12440194531033437}],"sentiment":"neutral","sentiment_score":0.09787661476681629,"num_words":60,"start":2663.6,"end":2687.85},{"sentences":[{"text":"The important information is it just outlines the next steps, your reviews.","start":2691.03,"end":2696.495,"sentiment":"neutral","sentiment_score":0.21095742409427962},{"text":"So participate in your reviews because, you know, like we did this year, we got a lot we're we're ticking a lot of boxes off.","start":2696.495,"end":2704.5151,"sentiment":"neutral","sentiment_score":0.15683800846338272},{"text":"Product disclosure statements, which I'll talk to in a second, our privacy policy.","start":2705.695,"end":2711.6702,"sentiment":"neutral","sentiment_score":0.08196182921528816},{"text":"So they're the all the important little bits of documentation that you need to be able to refer to.","start":2713.01,"end":2718.23,"sentiment":"neutral","sentiment_score":0.10538650343292638},{"text":"The next page is remuneration, so our fees.","start":2719.73,"end":2723.045,"sentiment":"neutral","sentiment_score":0.01396162947639823}],"sentiment":"neutral","sentiment_score":0.12509064521495397,"num_words":77,"start":2691.03,"end":2723.045},{"sentences":[{"text":"Our fee, again, hasn't changed from when we spoke last time.","start":2723.905,"end":2728.165,"sentiment":"neutral","sentiment_score":-0.02210879275067286},{"text":"I mean, the dollar fee might have changed a little bit depending on the balance, but it's 1.65%.","start":2728.305,"end":2734.885,"sentiment":"neutral","sentiment_score":-0.01829653052199218},{"text":"So ongoing, it would be $3,039 per year, and then that's divided by 12 and paid monthly.","start":2734.945,"end":2742.1401,"sentiment":"neutral","sentiment_score":0.029233786332256654},{"text":"The next page is the authority to proceed.","start":2746.12,"end":2748.2202,"sentiment":"neutral","sentiment_score":0.14758677408099174},{"text":"So that just gives you a very high level overview of what all those things are that we just spoke about and what page number you can refer to it.","start":2748.36,"end":2757.795,"sentiment":"neutral","sentiment_score":0.19344622592131297}],"sentiment":"neutral","sentiment_score":0.08224429843193364,"num_words":84,"start":2723.905,"end":2757.795},{"sentences":[{"text":"And the next page again is just a very quick summary of the remuneration.","start":2759.7751,"end":2763.795,"sentiment":"positive","sentiment_score":0.38000229213918957},{"text":"So that same figure again paid by your super and then the steps to implement our advice that we will take.","start":2764.095,"end":2772.7202,"sentiment":"neutral","sentiment_score":0.29212221574215663},{"text":"Then the next page is the signature page.","start":2773.9802,"end":2776.78,"sentiment":"neutral","sentiment_score":0.028112950269132853},{"text":"You'll notice in that there's a large empty area.","start":2776.78,"end":2780.825,"sentiment":"neutral","sentiment_score":-0.019918627726535004},{"text":"If you don't wanna proceed with any of our advice, so let's say, for example, you decided I I don't want to roll over my q supra.","start":2781.2852,"end":2794.2002,"sentiment":"neutral","sentiment_score":-0.11478142743861233}],"sentiment":"neutral","sentiment_score":0.10634349407981845,"num_words":79,"start":2759.7751,"end":2794.2002},{"sentences":[{"text":"I wanna leave it where it is and just see how things go.","start":2794.2002,"end":2797.1,"sentiment":"neutral","sentiment_score":-0.0004821375298958558},{"text":"You would write that in that section.","start":2797.32,"end":2799.26,"sentiment":"neutral","sentiment_score":0.006676141172647476},{"text":"So any changes, you'd write in that section or something you didn't wanna proceed with, and then you'd sign it.","start":2799.32,"end":2805.115,"sentiment":"neutral","sentiment_score":0.002157109184190631},{"text":"If you wanted to go ahead with all of it, you'd just sign it and put nothing in that section.","start":2805.115,"end":2809.5352,"sentiment":"neutral","sentiment_score":0.019354206137359144},{"text":"Any questions about the advice document?","start":2813.915,"end":2816.175,"sentiment":"neutral","sentiment_score":0.029553125301996868}],"sentiment":"neutral","sentiment_score":0.009818337250952467,"num_words":66,"start":2794.2002,"end":2816.175},{"sentences":[{"text":"No?","start":2818.0752,"end":2818.475,"sentiment":"neutral","sentiment_score":-0.04200802743434906},{"text":"Okay.","start":2818.475,"end":2818.975,"sentiment":"neutral","sentiment_score":0.005789035931229591},{"text":"The next the next document is the appendix to the statement of advice.","start":2819.61,"end":2824.75,"sentiment":"neutral","sentiment_score":0.03413785592867778},{"text":"So the first page and the second page is, again, a cover page and a table of contents.","start":2825.53,"end":2829.87,"sentiment":"neutral","sentiment_score":0.040119647358854614},{"text":"The third page is a breakdown of risk profiles.","start":2832.01,"end":2835.1501,"sentiment":"neutral","sentiment_score":0.04327089091142019}],"sentiment":"neutral","sentiment_score":0.03617059062456801,"num_words":42,"start":2818.0752,"end":2835.1501},{"sentences":[{"text":"So So you've got your gross sitting in the mid middle there.","start":2835.2102,"end":2838.565,"sentiment":"neutral","sentiment_score":0.06271016815056403},{"text":"And, again, that just shows you where we allocate most of your funds.","start":2838.705,"end":2842.705,"sentiment":"neutral","sentiment_score":0.08108676626132084},{"text":"So, again, 80% to gross, 20% to defensive, and then breaks it down where we would typically invest across the different sectors.","start":2842.705,"end":2850.335,"sentiment":"neutral","sentiment_score":0.08390202136202292},{"text":"Important relationships and information.","start":2855.96,"end":2857.74,"sentiment":"neutral","sentiment_score":0.13111408427357674},{"text":"So the content of the SOA is just based on the information you've given me.","start":2857.8,"end":2861.82,"sentiment":"neutral","sentiment_score":0.08401522288719813}],"sentiment":"neutral","sentiment_score":0.08238150196319277,"num_words":66,"start":2835.2102,"end":2861.82},{"sentences":[{"text":"The currency of the SOA is sixty days from the date of the SOA.","start":2863.0,"end":2867.435,"sentiment":"neutral","sentiment_score":-0.012934169732034206},{"text":"No product guarantee.","start":2869.575,"end":2870.7148,"sentiment":"neutral","sentiment_score":-0.26363280912240344},{"text":"So like anything, we don't say that it's going to perform and do 20% and make promises that we can't keep, we just continue to review and make sure that everything remains on track and is in line with your goals.","start":2870.775,"end":2887.81,"sentiment":"neutral","sentiment_score":0.056938392178314486},{"text":"The next page is where you'll see links to the investment PDFs.","start":2891.3901,"end":2896.025,"sentiment":"neutral","sentiment_score":0.19886160517732301},{"text":"So they're your investment funds that we've recommended in hub twenty four.","start":2896.325,"end":2901.945,"sentiment":"neutral","sentiment_score":0.13321101727584997}],"sentiment":"neutral","sentiment_score":0.06521181396504001,"num_words":82,"start":2863.0,"end":2901.945},{"sentences":[{"text":"So they're links to them if you would like to have a read of those.","start":2902.005,"end":2905.545,"sentiment":"neutral","sentiment_score":0.13965683231751125},{"text":"The next document explains how we calculate our investment return methodology, showing you that, it's not, overinflated, let's say.","start":2906.7249,"end":2921.78,"sentiment":"neutral","sentiment_score":0.07193306631310598},{"text":"And then the last page, two pages cover off on what life insurance through superannuation is, which I'm I'm pretty confident you're all over because you've had it that way for many, many years.","start":2924.385,"end":2937.4802,"sentiment":"neutral","sentiment_score":0.31045807635082917},{"text":"The next lot of documents in the pack is oh gosh.","start":2940.5,"end":2947.7002,"sentiment":"neutral","sentiment_score":0.09057833254337311},{"text":"That's it.","start":2947.7002,"end":2948.4402,"sentiment":"neutral","sentiment_score":0.048695577308535576}],"sentiment":"neutral","sentiment_score":0.1865544216448648,"num_words":81,"start":2902.005,"end":2948.4402},{"sentences":[{"text":"Because your financial services guide, we gave to you previously in our review, and the product disclosure statements will make sure that we get in the the hub twenty four ones emailed out to you, although they haven't changed since the last time you received them also.","start":2948.6602,"end":2968.17,"sentiment":"neutral","sentiment_score":0.08368282115205805},{"text":"So after all that heavy information, do you have any questions, Sharon?","start":2968.3098,"end":2975.3699,"sentiment":"neutral","sentiment_score":0.018977369492252667},{"text":"No?","start":2978.15,"end":2978.65,"sentiment":"neutral","sentiment_score":-0.1417914628982544},{"text":"And you're feeling okay about it all?","start":2979.285,"end":2981.385,"sentiment":"neutral","sentiment_score":-0.08049184030720166},{"text":"Okay.","start":2983.605,"end":2984.085,"sentiment":"neutral","sentiment_score":0.2114190459251404}],"sentiment":"neutral","sentiment_score":0.05392655483720934,"num_words":68,"start":2948.6602,"end":2984.085},{"sentences":[{"text":"Beautiful.","start":2984.085,"end":2984.585,"sentiment":"positive","sentiment_score":0.45509570837020874},{"text":"So what I would suggest is if you wanna have a read over those documents, if you have any questions, reach out to me, and only when you are comfortable, sign those.","start":2984.9648,"end":2994.505,"sentiment":"neutral","sentiment_score":0.15846768347546458},{"text":"We can then go through the implementation stage.","start":2994.93,"end":2998.13,"sentiment":"neutral","sentiment_score":0.06983268167823553},{"text":"So the team will then reach out to you to go through what forms need to be signed and walk you through that process.","start":2998.13,"end":3005.43,"sentiment":"neutral","sentiment_score":0.12930989762147269},{"text":"Alright.","start":3008.21,"end":3008.71,"sentiment":"positive","sentiment_score":0.4473819434642792}],"sentiment":"neutral","sentiment_score":0.14599306847561488,"num_words":66,"start":2984.085,"end":3008.71},{"sentences":[{"text":"It was lovely speaking with you, Sharon.","start":3009.245,"end":3011.165,"sentiment":"positive","sentiment_score":0.7152337261608669},{"text":"And if and when reading those documents, if you do have any questions, please just give me a call, and we can run through them.","start":3011.165,"end":3017.345,"sentiment":"positive","sentiment_score":0.3865705180168152},{"text":"Alright.","start":3020.205,"end":3020.705,"sentiment":"neutral","sentiment_score":0.17150306701660156},{"text":"Well, do you have the day off today?","start":3021.245,"end":3022.83,"sentiment":"neutral","sentiment_score":0.0477612460963428},{"text":"Yes.","start":3027.9502,"end":3028.4502,"sentiment":"neutral","sentiment_score":0.074148029088974}],"sentiment":"positive","sentiment_score":0.3642533356767325,"num_words":42,"start":3009.245,"end":3028.4502},{"sentences":[{"text":"Okay.","start":3028.75,"end":3029.25,"sentiment":"neutral","sentiment_score":0.07093806564807892},{"text":"And you're resting with your foot up?","start":3029.47,"end":3031.57,"sentiment":"neutral","sentiment_score":0.09674667354140963},{"text":"Oh, no.","start":3038.675,"end":3039.415,"sentiment":"neutral","sentiment_score":-0.2771892100572586},{"text":"You're not zoned out enough to understand all we went through, was it?","start":3039.555,"end":3043.175,"sentiment":"neutral","sentiment_score":-0.31484874739096713},{"text":"I understand that.","start":3046.355,"end":3047.4749,"sentiment":"neutral","sentiment_score":-0.043858165542284645}],"sentiment":"neutral","sentiment_score":-0.15503160970715377,"num_words":26,"start":3028.75,"end":3047.4749},{"sentences":[{"text":"I understand that.","start":3047.4749,"end":3048.275,"sentiment":"neutral","sentiment_score":0.07869826878110568},{"text":"We'll take it so take some time to have a read of the document.","start":3048.275,"end":3050.9949,"sentiment":"neutral","sentiment_score":0.07591785463903632},{"text":"And, again, any questions, just reach out to me.","start":3050.9949,"end":3054.51,"sentiment":"neutral","sentiment_score":0.10485057284434636},{"text":"Oh, absolutely my pet pleasure, Sharon.","start":3059.23,"end":3061.31,"sentiment":"positive","sentiment_score":0.8069779276847839},{"text":"Thank you so much, and I look forward to speaking to you again soon.","start":3061.31,"end":3064.859,"sentiment":"positive","sentiment_score":0.8358290280614581}],"sentiment":"positive","sentiment_score":0.40839291056213173,"num_words":46,"start":3047.4749,"end":3064.859},{"sentences":[{"text":"Beautiful.","start":3066.8389,"end":3067.3389,"sentiment":"positive","sentiment_score":0.7401344776153564},{"text":"Thanks, Sharon.","start":3067.479,"end":3068.279,"sentiment":"positive","sentiment_score":0.7528940141201019},{"text":"Enjoy your day.","start":3068.279,"end":3069.259,"sentiment":"positive","sentiment_score":0.6975715557734171},{"text":"Bye.","start":3071.239,"end":3071.739,"sentiment":"neutral","sentiment_score":0.18825456500053409},{"text":"Bye.","start":3071.7988,"end":3072.2988,"sentiment":"neutral","sentiment_score":0.15793202817440033}],"sentiment":"positive","sentiment_score":0.5856029707938433,"num_words":8,"start":3066.8389,"end":3072.2988}]}}]},{"alternatives":[{"transcript":"Hello. Sharon speaking. I'm well. How are you? Yeah. That's fine. At Sherry Anne Russat, twenty five nine sixty nine, and it's 220735 Burdette Street, Albion. Yeah. Not too bad. I'm only back two days a week. I'm sorry. Two days on, two days off. Yep. Well, he's said I should be off for, like, you know, another two weeks, but I pushed to go back so I needed the money. So I just have to, you know, because ankles twirls at the end of every shift that, you know, you gotta do what you gotta do. Yeah. Once you get hard, like, COVID died, it probably goes down. I need to do it again the next day, but that's fine. Yeah. Yeah. Yeah. Yeah. Thank you. I am. Yes. Mhmm. Thank you. Uh-huh. I do. I'm just trying to pick up that document. Let's have a look in here. Oh. Oh, yep. That I've got a sign. Yep. Okay. I've just got that. Yep. Mhmm. I'm just going to try now. Yes. I've got open. Yep. Perfect. Yes. Mhmm. Yes. Mhmm. I called. Yes. Yep. Yep. Yes. Uh-huh. Yes. Yes. Mhmm. Yes. Mhmm. Yes. Yes. Uh-huh. Yes. Yep. Mhmm. Yep. Perfect. Yep. Yep. Yes. Mhmm. Yes. Mhmm. Yes. At how you? Yep. No. Yes. Yes. Mhmm. Mhmm. Yes. Mhmm. Yeah. I guess everything's a risk really, isn't it, whether it goes into that or something else? Mhmm. Mhmm. Yeah. Hard, isn't it? That's okay. Oh, no. Yeah. Not till next week, is it? Or the week after. Next week. Yeah. Yeah. Mhmm. Yes. Yes. Yes. Yes. I still have a cost concern there, maybe. That Okay. Yeah. Yeah. Maybe. Yeah. Yeah. Yep. Mhmm. So I've actually put my personal money into. Nothing really, to be honest. Oh, yeah. Well, yeah. Because yeah. That might be yeah. Probably '79. Mhmm. I'm probably moderate. Yeah. I don't know the answer to that one. I don't know. Yeah. Red. Yes. Probably ring you and ask you your advice what we should do. Yes. Yes. Exasius. The highest. Was it concerned? Taking advice? Was that right? Would you say? Oh, no. I'd just be concerned. I mean, I'm not in the case. They're long yeah. I have for investment property. Mhmm. Mhmm. Yes. Mhmm. Yep. Yeah. Yes. Mhmm. Mhmm. Absolutely. Yes. Yep. Yes. That's fine. Yes. Yes. No. No. I'm so glad that you say that. Yeah. No. I'm happy with that. That's fine. Yep. Perfect. Mhmm. Yes. Yep. Mhmm. Yes. Mhmm. Yep. Yep. I see. Oh, beautiful. Thank you. Yep. Yep. Yep. Yep. Yep. Perfect. Yep. Yep. Mhmm. Yep. Okay. Yeah. Yes. Mhmm. Okay. Okay. Yep. Yep. Perfect. Yes. Like, Mhmm. Yep. Mhmm. Mhmm. Yes. No? Yes. Okay. Fair enough. Yep. Mhmm. Okay. No. Yes. Yep. No. That no. That's fine. Mhmm. Yes. Yep. Yeah. Yep. Yes. Absolutely. Yes. Yes. Yep. Perfect. Mhmm. Yep. Perfect. No. But it's right. Yep. Yep. It's beautiful. Mhmm. Yep. Okay. Mhmm. Yes. Yes. Yes. Absolutely. Mhmm. No. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Account. Yep. Okay. Yep. Mhmm. Yes. Absolutely. Yes. Yeah. Okay. Yes. Yep. Mhmm. Okay. No. Thank you for that. Mhmm. I'm home. No. Mhmm. So we change it, like, the nominee goes to, like, a lawyer as a legal oh, okay. Mhmm. Oh, okay. Okay. Mhmm. Yes. Absolutely. So I can't put my kids, can I? Okay. So yep. So I've got my dad's old. I'm trying to put him down for the time being. So I just put my dad down for the time being or yeah. Oh, no. No. My kids. Sorry. Yeah. Sorry. Yeah. Yeah. Mhmm. Yep. Yep. Mhmm. Beautiful. Thank you. Yep. Yep. Mhmm. Yep. Perfect. Mhmm. Yep. Perfect. Yep. Okay. Beautiful. Yes. Mhmm. Mhmm. Okay. Perfect. No. Mhmm. Okay. Perfect. Mhmm. Yep. Yep. Perfect. Mhmm. Okay. Yep. Yes. Yep. Yeah. No. None at all. Yeah. Absolutely. Hello? Okay. Perfect. Absolutely beautiful. Alright. Yeah. These are my I'm off today and tomorrow, so I rough the days off. So I did. I'm still in bed, actually. I took a pain killer last night, so it made me a bit zoned out today. No. No. No. No. No. No. I'm just lazy today. Beautiful. Thank you so much for doing that. It's greatly appreciated. Yes. Me too. Thanks. You too. Thanks, Jenna. Bye bye. Bye.","confidence":0.94384766,"words":[{"word":"hello","start":0.88,"end":1.1999999,"confidence":0.9187012,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.058260612189769745},{"word":"sharon","start":1.1999999,"end":1.5999999,"confidence":0.9951172,"punctuated_word":"Sharon","sentiment":"neutral","sentiment_score":0.05939721316099167},{"word":"speaking","start":1.5999999,"end":2.1,"confidence":0.99853516,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.05881546810269356},{"word":"i'm","start":6.56,"end":6.7999997,"confidence":0.7059326,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.39083003997802734},{"word":"well","start":6.7999997,"end":7.04,"confidence":0.58410645,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.37762853503227234},{"word":"how","start":7.04,"end":7.2,"confidence":0.99609375,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.28308191895484924},{"word":"are","start":7.2,"end":7.44,"confidence":0.86621094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24863573908805847},{"word":"you","start":7.44,"end":7.94,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.3251413106918335},{"word":"yeah","start":17.725,"end":17.885,"confidence":0.69433594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1172950118780136},{"word":"that's","start":17.885,"end":18.205,"confidence":0.96728516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2498626410961151},{"word":"fine","start":18.205,"end":18.705,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.27610063552856445},{"word":"at","start":27.49,"end":27.810001,"confidence":0.23901367,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.020408421754837036},{"word":"sherry","start":27.810001,"end":28.130001,"confidence":0.36901855,"punctuated_word":"Sherry","sentiment":"neutral","sentiment_score":0.03471722453832626},{"word":"anne","start":28.130001,"end":28.37,"confidence":0.2998047,"punctuated_word":"Anne","sentiment":"neutral","sentiment_score":0.040886040776968},{"word":"russat","start":28.37,"end":28.87,"confidence":0.41097006,"punctuated_word":"Russat,","sentiment":"neutral","sentiment_score":0.04339561611413956},{"word":"twenty","start":28.93,"end":29.25,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.042562540620565414},{"word":"five","start":29.25,"end":29.75,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.031983450055122375},{"word":"nine","start":29.89,"end":30.37,"confidence":0.9951172,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.037980835884809494},{"word":"sixty","start":30.37,"end":30.69,"confidence":0.9941406,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.04236501455307007},{"word":"nine","start":30.69,"end":31.01,"confidence":0.77856445,"punctuated_word":"nine,","sentiment":"neutral","sentiment_score":0.039622727781534195},{"word":"and","start":31.01,"end":31.33,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0400518998503685},{"word":"it's","start":31.33,"end":31.41,"confidence":0.82543945,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04462386667728424},{"word":"220735","start":31.41,"end":33.17,"confidence":0.99264526,"punctuated_word":"220735","sentiment":"neutral","sentiment_score":0.04929613322019577},{"word":"burdette","start":33.17,"end":33.49,"confidence":0.523763,"punctuated_word":"Burdette","sentiment":"neutral","sentiment_score":0.04757046699523926},{"word":"street","start":33.49,"end":33.81,"confidence":0.9370117,"punctuated_word":"Street,","sentiment":"neutral","sentiment_score":0.0395631417632103},{"word":"albion","start":33.81,"end":34.31,"confidence":0.9880371,"punctuated_word":"Albion.","sentiment":"neutral","sentiment_score":0.06682009994983673},{"word":"yeah","start":39.81,"end":40.05,"confidence":0.9140625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03158290311694145},{"word":"not","start":40.05,"end":40.305,"confidence":0.9980469,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.00960918515920639},{"word":"too","start":40.305,"end":40.805,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.020554665476083755},{"word":"bad","start":43.985,"end":44.485,"confidence":1.0,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":-0.1749117523431778},{"word":"i'm","start":44.945,"end":45.105,"confidence":0.9506836,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.17806097865104675},{"word":"only","start":45.105,"end":45.425,"confidence":0.98828125,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1891384869813919},{"word":"back","start":45.425,"end":45.665,"confidence":0.9951172,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1882227659225464},{"word":"two","start":45.665,"end":45.825,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.1849830597639084},{"word":"days","start":45.825,"end":46.145,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.1429470032453537},{"word":"a","start":46.145,"end":46.225,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1416235715150833},{"word":"week","start":46.225,"end":46.625,"confidence":0.8947754,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.15373757481575012},{"word":"i'm","start":46.625,"end":46.785,"confidence":0.8820801,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14224007725715637},{"word":"sorry","start":46.945,"end":47.445,"confidence":0.6776123,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.1319570243358612},{"word":"two","start":47.505,"end":47.665,"confidence":0.99902344,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":-0.1012578383088112},{"word":"days","start":47.665,"end":47.985,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.09020491689443588},{"word":"on","start":47.985,"end":48.145,"confidence":0.8654785,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.0885038673877716},{"word":"two","start":48.145,"end":48.305,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.1086692214012146},{"word":"days","start":48.305,"end":48.705,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.09699326008558272},{"word":"off","start":48.705,"end":49.205,"confidence":0.99853516,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.10334208607673644},{"word":"yep","start":50.625,"end":51.125,"confidence":0.7590332,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.051669828593730927},{"word":"well","start":55.41,"end":55.57,"confidence":0.92749023,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.08184495568275452},{"word":"he's","start":55.57,"end":56.07,"confidence":0.85131836,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.11196188628673552},{"word":"said","start":58.37,"end":58.53,"confidence":0.29174805,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.1348070204257965},{"word":"i","start":58.53,"end":58.69,"confidence":0.72509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17027226090431213},{"word":"should","start":58.69,"end":58.85,"confidence":0.80078125,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.14029181003570557},{"word":"be","start":58.85,"end":59.01,"confidence":0.9604492,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12706096470355988},{"word":"off","start":59.01,"end":59.089996,"confidence":0.8364258,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.1085282415151596},{"word":"for","start":59.089996,"end":59.25,"confidence":0.8972168,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.1327427327632904},{"word":"like","start":59.25,"end":59.409996,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1297917366027832},{"word":"you","start":59.409996,"end":59.57,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13003936409950256},{"word":"know","start":59.57,"end":59.89,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1575244516134262},{"word":"another","start":59.89,"end":60.39,"confidence":0.9970703,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.10531272739171982},{"word":"two","start":60.53,"end":60.85,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.13060972094535828},{"word":"weeks","start":60.85,"end":61.25,"confidence":0.88842773,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":-0.1205538809299469},{"word":"but","start":61.25,"end":61.409996,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12564347684383392},{"word":"i","start":61.409996,"end":61.649998,"confidence":0.58496094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2256651371717453},{"word":"pushed","start":61.649998,"end":62.05,"confidence":0.70947266,"punctuated_word":"pushed","sentiment":"neutral","sentiment_score":-0.1772785782814026},{"word":"to","start":62.05,"end":62.129997,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21350251138210297},{"word":"go","start":62.129997,"end":62.37,"confidence":0.94189453,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.22268706560134888},{"word":"back","start":62.37,"end":62.53,"confidence":0.9941406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.2030008435249329},{"word":"so","start":62.53,"end":62.69,"confidence":0.24194336,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.19867536425590515},{"word":"i","start":62.69,"end":62.769997,"confidence":0.9716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19623064994812012},{"word":"needed","start":62.769997,"end":63.01,"confidence":0.9741211,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.189283087849617},{"word":"the","start":63.01,"end":63.17,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16248929500579834},{"word":"money","start":63.17,"end":63.67,"confidence":0.99316406,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.12018565833568572},{"word":"so","start":65.49,"end":65.729996,"confidence":0.9404297,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03114333003759384},{"word":"i","start":65.729996,"end":65.81,"confidence":0.65185547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05385448411107063},{"word":"just","start":65.81,"end":65.97,"confidence":0.46704102,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.027993660420179367},{"word":"have","start":65.97,"end":66.13,"confidence":0.9375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.043597493320703506},{"word":"to","start":66.13,"end":66.29,"confidence":0.78930664,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.041520021855831146},{"word":"you","start":66.29,"end":66.369995,"confidence":0.96240234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04630017280578613},{"word":"know","start":66.369995,"end":66.689995,"confidence":0.8659668,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05456985533237457},{"word":"because","start":66.689995,"end":67.009995,"confidence":0.17956543,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.055683672428131104},{"word":"ankles","start":67.009995,"end":67.49,"confidence":0.3239746,"punctuated_word":"ankles","sentiment":"neutral","sentiment_score":-0.09680353105068208},{"word":"twirls","start":67.49,"end":67.649994,"confidence":0.85514325,"punctuated_word":"twirls","sentiment":"neutral","sentiment_score":-0.07283391058444977},{"word":"at","start":67.649994,"end":67.81,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1073480099439621},{"word":"the","start":67.81,"end":67.89,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09022831916809082},{"word":"end","start":67.89,"end":68.049995,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.05497394874691963},{"word":"of","start":68.049995,"end":68.21,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06959957629442215},{"word":"every","start":68.21,"end":68.45,"confidence":0.9863281,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.053845517337322235},{"word":"shift","start":68.45,"end":68.689995,"confidence":0.9223633,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":-0.07607369869947433},{"word":"that","start":68.689995,"end":68.85,"confidence":0.67297363,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.06903647631406784},{"word":"you","start":68.85,"end":68.93,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06854850053787231},{"word":"know","start":68.93,"end":69.17,"confidence":0.96240234,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06719060987234116},{"word":"you","start":69.17,"end":69.25,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09375089406967164},{"word":"gotta","start":69.25,"end":69.49,"confidence":0.9667969,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.07570095360279083},{"word":"do","start":69.49,"end":69.649994,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06218479573726654},{"word":"what","start":69.649994,"end":69.81,"confidence":0.9819336,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05887661129236221},{"word":"you","start":69.81,"end":69.89,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0653853565454483},{"word":"gotta","start":69.89,"end":70.13,"confidence":0.99316406,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.057128846645355225},{"word":"do","start":70.13,"end":70.515,"confidence":0.9946289,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.05611937865614891},{"word":"yeah","start":81.075,"end":81.315,"confidence":0.9855957,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06587731838226318},{"word":"once","start":81.315,"end":81.635,"confidence":0.9291992,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":-0.12247414886951448},{"word":"you","start":81.635,"end":81.715,"confidence":0.39916992,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18099160492420197},{"word":"get","start":81.715,"end":81.875,"confidence":0.8828125,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.18409520387649536},{"word":"hard","start":81.875,"end":82.354996,"confidence":0.46917725,"punctuated_word":"hard,","sentiment":"neutral","sentiment_score":-0.2146230936050415},{"word":"like","start":82.354996,"end":82.675,"confidence":0.6796875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.25165972113609314},{"word":"covid","start":82.675,"end":82.994995,"confidence":0.7105713,"punctuated_word":"COVID","sentiment":"neutral","sentiment_score":-0.2356568872928619},{"word":"died","start":82.994995,"end":83.235,"confidence":0.6496582,"punctuated_word":"died,","sentiment":"neutral","sentiment_score":-0.26453089714050293},{"word":"it","start":83.235,"end":83.58,"confidence":0.9604492,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3273347020149231},{"word":"probably","start":83.58,"end":83.9,"confidence":0.70947266,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.32065868377685547},{"word":"goes","start":83.9,"end":84.060005,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.33233532309532166},{"word":"down","start":84.060005,"end":84.46,"confidence":0.8046875,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.27386757731437683},{"word":"i","start":84.46,"end":84.54,"confidence":0.453125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21096280217170715},{"word":"need","start":84.54,"end":84.62,"confidence":0.5913086,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.19204458594322205},{"word":"to","start":84.62,"end":84.78,"confidence":0.8774414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2012433260679245},{"word":"do","start":84.78,"end":85.020004,"confidence":0.1928711,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.22982898354530337},{"word":"it","start":85.020004,"end":85.1,"confidence":0.61083984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21823321282863617},{"word":"again","start":85.1,"end":85.42,"confidence":0.94628906,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.22597700357437137},{"word":"the","start":85.42,"end":85.5,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17562608420848846},{"word":"next","start":85.5,"end":85.740005,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.17930597066879272},{"word":"day","start":85.740005,"end":85.9,"confidence":0.95996094,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":-0.15692006051540375},{"word":"but","start":85.9,"end":86.14,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08825402706861496},{"word":"that's","start":86.14,"end":86.46,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.10056962817907332},{"word":"fine","start":86.46,"end":86.96,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.07596650719642639},{"word":"yeah","start":90.62,"end":90.94,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005314499139785767},{"word":"yeah","start":90.94,"end":91.44,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008118242025375366},{"word":"yeah","start":105.275,"end":105.775,"confidence":0.56311035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027714572846889496},{"word":"yeah","start":111.19,"end":111.51,"confidence":0.85498047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14255964756011963},{"word":"thank","start":111.51,"end":111.75,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.3324824273586273},{"word":"you","start":111.75,"end":112.25,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.23367947340011597},{"word":"i","start":116.79,"end":116.95,"confidence":0.5439453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1593155562877655},{"word":"am","start":116.95,"end":117.19,"confidence":0.9980469,"punctuated_word":"am.","sentiment":"neutral","sentiment_score":0.15327602624893188},{"word":"yes","start":117.19,"end":117.69,"confidence":0.99902344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15281003713607788},{"word":"mhmm","start":119.59,"end":120.09,"confidence":0.9526367,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.28023022413253784},{"word":"thank","start":121.75,"end":121.99,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6096458435058594},{"word":"you","start":121.99,"end":122.49,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5763591527938843},{"word":"uh-huh","start":146.62,"end":147.12,"confidence":0.90097654,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.01803232543170452},{"word":"i","start":152.3,"end":152.54001,"confidence":0.93408203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12161988765001296},{"word":"do","start":152.54001,"end":152.715,"confidence":0.9387207,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.10701720416545868},{"word":"i'm","start":152.875,"end":153.11499,"confidence":0.90771484,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.059172775596380234},{"word":"just","start":153.11499,"end":153.19499,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06025562807917595},{"word":"trying","start":153.19499,"end":153.355,"confidence":0.98535156,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.06179257482290268},{"word":"to","start":153.355,"end":153.435,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.052892908453941345},{"word":"pick","start":153.435,"end":153.675,"confidence":0.46044922,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.03431317210197449},{"word":"up","start":153.675,"end":153.75499,"confidence":0.9819336,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.038159068673849106},{"word":"that","start":153.75499,"end":154.25499,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05401408672332764},{"word":"document","start":156.235,"end":156.735,"confidence":0.9838867,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.04302340745925903},{"word":"let's","start":174.23999,"end":174.56,"confidence":0.6480713,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.029347803443670273},{"word":"have","start":174.56,"end":174.88,"confidence":0.84814453,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.024403924122452736},{"word":"a","start":174.88,"end":174.95999,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02944959327578545},{"word":"look","start":174.95999,"end":175.12,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.011572470888495444},{"word":"in","start":175.12,"end":175.28,"confidence":0.9760742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017714450135827065},{"word":"here","start":175.28,"end":175.78,"confidence":0.9975586,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.01902112737298012},{"word":"oh","start":183.775,"end":184.25499,"confidence":0.67944336,"punctuated_word":"Oh.","sentiment":"neutral","sentiment_score":0.020127499476075172},{"word":"oh","start":184.25499,"end":184.495,"confidence":0.91137695,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.014045041985809805},{"word":"yep","start":184.495,"end":184.73499,"confidence":0.9581706,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.01253895927220583},{"word":"that","start":184.73499,"end":184.85498,"confidence":0.69970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.0027685053646564484},{"word":"i've","start":184.97499,"end":185.055,"confidence":0.99121094,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.004273246042430401},{"word":"got","start":185.055,"end":185.215,"confidence":0.7006836,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.015029191970825195},{"word":"a","start":185.215,"end":185.375,"confidence":0.7944336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01422259770333767},{"word":"sign","start":185.375,"end":185.53499,"confidence":0.9406738,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":-0.019263360649347305},{"word":"yep","start":185.53499,"end":185.855,"confidence":0.9824219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02435316890478134},{"word":"okay","start":185.855,"end":186.09499,"confidence":0.9909668,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02512933313846588},{"word":"i've","start":186.09499,"end":186.25499,"confidence":0.7203369,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.01513994298875332},{"word":"just","start":186.25499,"end":186.415,"confidence":0.7001953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0052321478724479675},{"word":"got","start":186.415,"end":186.575,"confidence":0.9941406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.006644625216722488},{"word":"that","start":186.575,"end":186.73499,"confidence":0.9782715,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.01006041094660759},{"word":"yep","start":186.73499,"end":187.23499,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04299071431159973},{"word":"mhmm","start":206.67,"end":207.17,"confidence":0.9025879,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02774398773908615},{"word":"i'm","start":208.59,"end":208.75,"confidence":0.81469727,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.019167881458997726},{"word":"just","start":208.75,"end":208.98999,"confidence":0.6801758,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.007354937493801117},{"word":"going","start":208.98999,"end":209.31,"confidence":0.8989258,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.0058213695883750916},{"word":"to","start":209.31,"end":209.39,"confidence":0.6035156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011473026126623154},{"word":"try","start":209.39,"end":209.63,"confidence":0.52490234,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.006322547793388367},{"word":"now","start":209.63,"end":210.13,"confidence":0.9067383,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.028020691126585007},{"word":"yes","start":213.18501,"end":213.425,"confidence":0.8864746,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.049439821392297745},{"word":"i've","start":213.425,"end":213.505,"confidence":0.77124023,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.03231251984834671},{"word":"got","start":213.505,"end":213.74501,"confidence":0.96533203,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.015611179172992706},{"word":"open","start":213.74501,"end":214.065,"confidence":0.5422363,"punctuated_word":"open.","sentiment":"neutral","sentiment_score":0.028311997652053833},{"word":"yep","start":214.065,"end":214.565,"confidence":0.732666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1804380714893341},{"word":"perfect","start":222.225,"end":222.625,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4890819191932678},{"word":"yes","start":222.625,"end":222.9,"confidence":0.95825195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20177465677261353},{"word":"mhmm","start":233.54,"end":234.04,"confidence":0.99328613,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.028215184807777405},{"word":"yes","start":266.445,"end":266.945,"confidence":0.6010742,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07206924259662628},{"word":"mhmm","start":286.165,"end":286.665,"confidence":0.9338379,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05477512627840042},{"word":"i","start":302.91998,"end":303.16,"confidence":0.5620117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033473581075668335},{"word":"called","start":303.16,"end":303.66,"confidence":0.76049805,"punctuated_word":"called.","sentiment":"neutral","sentiment_score":0.05136660858988762},{"word":"yes","start":305.72,"end":306.22,"confidence":0.9406738,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1269977241754532},{"word":"yep","start":321.415,"end":321.915,"confidence":0.92871094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08236472308635712},{"word":"yep","start":341.445,"end":341.945,"confidence":0.97680664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11058645695447922},{"word":"yes","start":360.9,"end":361.125,"confidence":0.98339844,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05352119356393814},{"word":"uh-huh","start":376.325,"end":376.62,"confidence":0.96904296,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.011398601345717909},{"word":"yes","start":399.035,"end":399.535,"confidence":0.779541,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05049577355384827},{"word":"yes","start":402.6,"end":403.1,"confidence":0.7425537,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.25020939111709595},{"word":"mhmm","start":406.04,"end":406.54,"confidence":0.98986816,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.19632166624069217},{"word":"yes","start":411.56,"end":412.06,"confidence":0.8137207,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1840277910232544},{"word":"mhmm","start":435.27,"end":435.77,"confidence":0.9454346,"punctuated_word":"Mhmm.","sentiment":"positive","sentiment_score":0.3517177999019623},{"word":"yes","start":438.06998,"end":438.56998,"confidence":0.876709,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13859236240386963},{"word":"yes","start":439.11,"end":439.61,"confidence":0.9741211,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14252181351184845},{"word":"uh-huh","start":439.99,"end":440.49,"confidence":0.99501956,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.2014838308095932},{"word":"yes","start":453.605,"end":453.96,"confidence":0.9511719,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2620478868484497},{"word":"yep","start":464.91998,"end":465.41998,"confidence":0.89404297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30742114782333374},{"word":"mhmm","start":477.015,"end":477.515,"confidence":0.9255371,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.29356664419174194},{"word":"yep","start":486.47,"end":486.78998,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2523043155670166},{"word":"perfect","start":486.78998,"end":487.28998,"confidence":0.9951172,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5189809203147888},{"word":"yep","start":488.31,"end":488.81,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17152325809001925},{"word":"yep","start":504.085,"end":504.42,"confidence":0.9638672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08554518222808838},{"word":"yes","start":514.5,"end":515.0,"confidence":0.9797363,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08926230669021606},{"word":"mhmm","start":517.7,"end":518.115,"confidence":0.96240234,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02163241058588028},{"word":"yes","start":520.995,"end":521.495,"confidence":0.98950195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05304258316755295},{"word":"mhmm","start":529.475,"end":529.975,"confidence":0.9954834,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07706190645694733},{"word":"yes","start":558.8,"end":559.3,"confidence":0.98535156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13699889183044434},{"word":"at","start":581.60504,"end":581.765,"confidence":0.23620605,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.05649275332689285},{"word":"how","start":581.765,"end":582.005,"confidence":0.5371094,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06935717165470123},{"word":"you","start":582.005,"end":582.505,"confidence":0.8293457,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.04818980023264885},{"word":"yep","start":586.38995,"end":586.88995,"confidence":0.767334,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06687167286872864},{"word":"no","start":622.86,"end":623.36,"confidence":0.93408203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11394692957401276},{"word":"yes","start":629.275,"end":629.775,"confidence":0.9536133,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.020083677023649216},{"word":"yes","start":632.395,"end":632.895,"confidence":0.8161621,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0479431115090847},{"word":"mhmm","start":639.03503,"end":639.48,"confidence":0.99853516,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0015696985647082329},{"word":"mhmm","start":649.39996,"end":649.89996,"confidence":0.9029541,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.035461246967315674},{"word":"yes","start":658.455,"end":658.955,"confidence":0.79589844,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.1205637753009796},{"word":"mhmm","start":667.26996,"end":667.76996,"confidence":0.96813965,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.11349093914031982},{"word":"yeah","start":690.085,"end":690.405,"confidence":0.79785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14634931087493896},{"word":"i","start":690.405,"end":690.485,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15051743388175964},{"word":"guess","start":690.485,"end":690.805,"confidence":0.98828125,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.2016880363225937},{"word":"everything's","start":690.805,"end":691.285,"confidence":0.88012695,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":-0.21381795406341553},{"word":"a","start":691.285,"end":691.445,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25046709179878235},{"word":"risk","start":691.445,"end":691.605,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.30201876163482666},{"word":"really","start":691.605,"end":691.845,"confidence":0.7976074,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":-0.2626308798789978},{"word":"isn't","start":691.845,"end":692.165,"confidence":0.99902344,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.23358464241027832},{"word":"it","start":692.165,"end":692.405,"confidence":0.7492676,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.2596279978752136},{"word":"whether","start":692.405,"end":692.725,"confidence":0.40405273,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.20828811824321747},{"word":"it","start":692.725,"end":692.805,"confidence":0.89453125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23969823122024536},{"word":"goes","start":692.805,"end":693.045,"confidence":0.96533203,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.26623523235321045},{"word":"into","start":693.045,"end":693.365,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.24437275528907776},{"word":"that","start":693.365,"end":693.525,"confidence":0.96533203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.21817335486412048},{"word":"or","start":693.525,"end":693.765,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.24545563757419583},{"word":"something","start":693.765,"end":694.165,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.2690691649913788},{"word":"else","start":694.165,"end":694.53,"confidence":0.81884766,"punctuated_word":"else?","sentiment":"neutral","sentiment_score":-0.20714816451072693},{"word":"mhmm","start":703.17004,"end":703.67004,"confidence":0.9263916,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.05216465890407562},{"word":"mhmm","start":740.97504,"end":741.47504,"confidence":0.95861816,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.08215812593698502},{"word":"yeah","start":775.54,"end":776.04,"confidence":0.9038086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09640780836343764},{"word":"hard","start":784.1,"end":784.33997,"confidence":0.64123535,"punctuated_word":"Hard,","sentiment":"neutral","sentiment_score":0.05503086373209953},{"word":"isn't","start":784.33997,"end":784.66,"confidence":0.99902344,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.01202586479485035},{"word":"it","start":784.66,"end":785.16,"confidence":0.99658203,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.04988301545381546},{"word":"that's","start":809.705,"end":810.205,"confidence":0.6937256,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10378032922744752},{"word":"okay","start":822.185,"end":822.685,"confidence":0.69140625,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.008443363010883331},{"word":"oh","start":823.065,"end":823.225,"confidence":0.7963867,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.07361233234405518},{"word":"no","start":823.225,"end":823.545,"confidence":0.99316406,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.09831294417381288},{"word":"yeah","start":823.545,"end":823.945,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05988773703575134},{"word":"not","start":823.945,"end":824.185,"confidence":0.5449219,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.09871210902929306},{"word":"till","start":824.185,"end":824.345,"confidence":0.71240234,"punctuated_word":"till","sentiment":"neutral","sentiment_score":-0.1128937304019928},{"word":"next","start":824.345,"end":824.585,"confidence":0.9970703,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.08824419975280762},{"word":"week","start":824.585,"end":824.745,"confidence":0.9157715,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.08631153404712677},{"word":"is","start":824.745,"end":824.905,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06795009970664978},{"word":"it","start":824.905,"end":825.09,"confidence":0.7141113,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.08804511278867722},{"word":"or","start":826.05005,"end":826.29004,"confidence":0.61328125,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.06203863397240639},{"word":"the","start":826.29004,"end":826.37006,"confidence":0.8984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0722295418381691},{"word":"week","start":826.37006,"end":826.61005,"confidence":0.9951172,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.06411892175674438},{"word":"after","start":826.61005,"end":827.11005,"confidence":0.80810547,"punctuated_word":"after.","sentiment":"neutral","sentiment_score":-0.07054057717323303},{"word":"next","start":828.85004,"end":829.17004,"confidence":0.6123047,"punctuated_word":"Next","sentiment":"neutral","sentiment_score":-0.04044178128242493},{"word":"week","start":829.17004,"end":829.49005,"confidence":0.73168945,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.03615039959549904},{"word":"yeah","start":829.49005,"end":829.99005,"confidence":0.7030029,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06485234946012497},{"word":"yeah","start":840.37006,"end":840.87006,"confidence":0.70910645,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05185239017009735},{"word":"mhmm","start":856.245,"end":856.65,"confidence":0.9892578,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.017499692738056183},{"word":"yes","start":906.815,"end":907.315,"confidence":0.9650879,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.21698275208473208},{"word":"yes","start":909.29504,"end":909.57,"confidence":0.9277344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3196142315864563},{"word":"yes","start":924.69,"end":925.155,"confidence":0.8779297,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01671207882463932},{"word":"yes","start":953.425,"end":953.925,"confidence":0.8469238,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.043397560715675354},{"word":"i","start":967.92,"end":968.08,"confidence":0.24108887,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19027861952781677},{"word":"still","start":968.08,"end":968.32,"confidence":0.25732422,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.17494040727615356},{"word":"have","start":968.32,"end":968.48004,"confidence":0.38378906,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15145881474018097},{"word":"a","start":968.48004,"end":968.56,"confidence":0.26049805,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14963677525520325},{"word":"cost","start":968.56,"end":968.88,"confidence":0.39331055,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.1830577850341797},{"word":"concern","start":968.88,"end":969.38,"confidence":0.6699219,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.1963237076997757},{"word":"there","start":969.52,"end":969.76,"confidence":0.6945801,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.18404318392276764},{"word":"maybe","start":969.76,"end":970.26,"confidence":0.94091797,"punctuated_word":"maybe.","sentiment":"neutral","sentiment_score":-0.155034139752388},{"word":"that","start":973.76,"end":974.145,"confidence":0.51660156,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.0016901791095733645},{"word":"okay","start":983.905,"end":984.305,"confidence":0.5966797,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.039326004683971405},{"word":"yeah","start":984.305,"end":984.805,"confidence":0.8996582,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022610904648900032},{"word":"yeah","start":1000.07,"end":1000.31,"confidence":0.81591797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029994897544384003},{"word":"maybe","start":1000.31,"end":1000.81,"confidence":0.9838867,"punctuated_word":"Maybe.","sentiment":"neutral","sentiment_score":0.032086413353681564},{"word":"yeah","start":1000.87,"end":1001.205,"confidence":0.9819336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03522103279829025},{"word":"yeah","start":1002.885,"end":1003.385,"confidence":0.93188477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0716194361448288},{"word":"yep","start":1009.84503,"end":1010.34503,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05809012055397034},{"word":"mhmm","start":1046.08,"end":1046.58,"confidence":0.91259766,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0049419887363910675},{"word":"so","start":1064.895,"end":1065.36,"confidence":0.6064453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.020163703709840775},{"word":"i've","start":1065.44,"end":1065.6,"confidence":0.88916016,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.02682383731007576},{"word":"actually","start":1065.6,"end":1065.84,"confidence":0.9760742,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.017139721661806107},{"word":"put","start":1065.84,"end":1066.08,"confidence":0.9970703,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.02679642289876938},{"word":"my","start":1066.08,"end":1066.4,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.03832312300801277},{"word":"personal","start":1066.4,"end":1066.88,"confidence":0.99121094,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.015659824013710022},{"word":"money","start":1066.88,"end":1067.04,"confidence":0.9980469,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.011885695159435272},{"word":"into","start":1067.04,"end":1067.54,"confidence":0.6711426,"punctuated_word":"into.","sentiment":"neutral","sentiment_score":-0.011905567720532416},{"word":"nothing","start":1084.255,"end":1084.655,"confidence":0.50634766,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":-0.08924044668674469},{"word":"really","start":1084.655,"end":1085.055,"confidence":0.85791016,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":-0.09870085120201112},{"word":"to","start":1085.055,"end":1085.215,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11225833743810654},{"word":"be","start":1085.215,"end":1085.295,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10462074726819992},{"word":"honest","start":1085.295,"end":1085.795,"confidence":0.9921875,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.10517486929893494},{"word":"oh","start":1089.535,"end":1089.695,"confidence":0.9104004,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.01690029725432396},{"word":"yeah","start":1089.695,"end":1089.935,"confidence":0.986084,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.010850057005882263},{"word":"well","start":1089.935,"end":1090.255,"confidence":0.59765625,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.026947295293211937},{"word":"yeah","start":1090.255,"end":1090.575,"confidence":0.576416,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.020043306052684784},{"word":"because","start":1090.575,"end":1090.815,"confidence":0.23950195,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.03390513360500336},{"word":"yeah","start":1090.895,"end":1091.135,"confidence":0.95654297,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.023967664688825607},{"word":"that","start":1091.135,"end":1091.37,"confidence":0.80615234,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.03350502997636795},{"word":"might","start":1091.45,"end":1091.95,"confidence":0.8925781,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.03935156762599945},{"word":"be","start":1096.4,"end":1096.65,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03892968222498894},{"word":"yeah","start":1096.9,"end":1097.4,"confidence":0.99853516,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.044587548822164536},{"word":"probably","start":1117.865,"end":1118.185,"confidence":0.54345703,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.008082122541964054},{"word":"'79","start":1118.185,"end":1119.15,"confidence":0.8375244,"punctuated_word":"'79.","sentiment":"neutral","sentiment_score":-0.0016343712341040373},{"word":"mhmm","start":1129.9501,"end":1130.4501,"confidence":0.9625244,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.06862613558769226},{"word":"i'm","start":1146.25,"end":1146.4099,"confidence":0.796875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.015633899718523026},{"word":"probably","start":1146.4099,"end":1146.73,"confidence":0.83935547,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.012586638331413267},{"word":"moderate","start":1146.73,"end":1147.23,"confidence":0.9941406,"punctuated_word":"moderate.","sentiment":"neutral","sentiment_score":-0.01734788343310356},{"word":"yeah","start":1149.21,"end":1149.71,"confidence":0.7873535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18967486917972565},{"word":"i","start":1186.605,"end":1186.765,"confidence":0.7211914,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19840651750564575},{"word":"don't","start":1186.765,"end":1186.925,"confidence":0.9909668,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19173423945903775},{"word":"know","start":1186.925,"end":1187.165,"confidence":0.9941406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1914440542459488},{"word":"the","start":1187.165,"end":1187.3251,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17346787452697754},{"word":"answer","start":1187.3251,"end":1187.5651,"confidence":0.4416504,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.19510389864444733},{"word":"to","start":1187.5651,"end":1187.725,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19908437132835388},{"word":"that","start":1187.725,"end":1187.965,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19986999034881592},{"word":"one","start":1187.965,"end":1188.465,"confidence":0.9951172,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.20819008350372312},{"word":"i","start":1191.725,"end":1191.885,"confidence":0.18151855,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14161913096904755},{"word":"don't","start":1191.885,"end":1192.125,"confidence":0.8190918,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13944610953330994},{"word":"know","start":1192.125,"end":1192.625,"confidence":0.59643555,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.11588817089796066},{"word":"yeah","start":1198.2051,"end":1198.7051,"confidence":0.66259766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07672412693500519},{"word":"red","start":1199.245,"end":1199.745,"confidence":0.53808594,"punctuated_word":"Red.","sentiment":"neutral","sentiment_score":-0.1107204332947731},{"word":"yes","start":1202.27,"end":1202.77,"confidence":0.7438965,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.08799658715724945},{"word":"probably","start":1223.725,"end":1224.045,"confidence":0.5859375,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.13077418506145477},{"word":"ring","start":1224.045,"end":1224.2051,"confidence":0.68603516,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.12126895785331726},{"word":"you","start":1224.2051,"end":1224.365,"confidence":0.9375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14594924449920654},{"word":"and","start":1224.365,"end":1224.525,"confidence":0.8041992,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13947896659374237},{"word":"ask","start":1224.525,"end":1224.685,"confidence":0.97509766,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.12644028663635254},{"word":"you","start":1224.685,"end":1225.005,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14036253094673157},{"word":"your","start":1225.005,"end":1225.165,"confidence":0.6044922,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14403900504112244},{"word":"advice","start":1225.165,"end":1225.5651,"confidence":0.4399414,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.13520120084285736},{"word":"what","start":1225.5651,"end":1225.725,"confidence":0.68359375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1723217815160751},{"word":"we","start":1225.725,"end":1225.885,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14369440078735352},{"word":"should","start":1225.885,"end":1226.045,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.16436752676963806},{"word":"do","start":1226.045,"end":1226.46,"confidence":0.9814453,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.11542920023202896},{"word":"yes","start":1232.38,"end":1232.88,"confidence":0.92700195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.011120295152068138},{"word":"yes","start":1239.6599,"end":1240.1599,"confidence":0.6464844,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03044398687779903},{"word":"exasius","start":1242.345,"end":1242.845,"confidence":0.77471924,"punctuated_word":"Exasius.","sentiment":"neutral","sentiment_score":0.012193337082862854},{"word":"the","start":1270.005,"end":1270.165,"confidence":0.5761719,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0877508670091629},{"word":"highest","start":1270.165,"end":1270.665,"confidence":0.7895508,"punctuated_word":"highest.","sentiment":"neutral","sentiment_score":0.13839471340179443},{"word":"was","start":1307.275,"end":1307.435,"confidence":0.49194336,"punctuated_word":"Was","sentiment":"neutral","sentiment_score":-0.0916823297739029},{"word":"it","start":1307.435,"end":1307.935,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11870835721492767},{"word":"concerned","start":1308.155,"end":1308.655,"confidence":0.58898926,"punctuated_word":"concerned?","sentiment":"neutral","sentiment_score":-0.19579577445983887},{"word":"taking","start":1308.795,"end":1309.115,"confidence":0.8730469,"punctuated_word":"Taking","sentiment":"neutral","sentiment_score":-0.165736123919487},{"word":"advice","start":1309.115,"end":1309.515,"confidence":0.607666,"punctuated_word":"advice?","sentiment":"neutral","sentiment_score":-0.17330732941627502},{"word":"was","start":1309.515,"end":1309.755,"confidence":0.9770508,"punctuated_word":"Was","sentiment":"neutral","sentiment_score":-0.08161327242851257},{"word":"that","start":1309.755,"end":1309.995,"confidence":0.9116211,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10789315402507782},{"word":"right","start":1309.995,"end":1310.31,"confidence":0.6501465,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":-0.09262393414974213},{"word":"would","start":1310.39,"end":1310.4701,"confidence":0.6586914,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.0959421694278717},{"word":"you","start":1310.4701,"end":1310.7101,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0835205614566803},{"word":"say","start":1310.7101,"end":1311.2101,"confidence":0.9597168,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":-0.07403542101383209},{"word":"oh","start":1317.4701,"end":1317.9701,"confidence":0.4724121,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.07397247850894928},{"word":"no","start":1324.2301,"end":1324.39,"confidence":0.657959,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.14065854251384735},{"word":"i'd","start":1324.39,"end":1324.55,"confidence":0.5715332,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.1563822478055954},{"word":"just","start":1324.55,"end":1324.7101,"confidence":0.8569336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15440675616264343},{"word":"be","start":1324.7101,"end":1324.8701,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16735433042049408},{"word":"concerned","start":1324.8701,"end":1325.3701,"confidence":0.99609375,"punctuated_word":"concerned.","sentiment":"neutral","sentiment_score":-0.14452527463436127},{"word":"i","start":1327.465,"end":1327.625,"confidence":0.71777344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02884582430124283},{"word":"mean","start":1327.625,"end":1327.785,"confidence":0.97314453,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.01810062862932682},{"word":"i'm","start":1327.785,"end":1327.865,"confidence":0.74365234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04035035893321037},{"word":"not","start":1327.865,"end":1328.105,"confidence":0.9589844,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.051837995648384094},{"word":"in","start":1328.105,"end":1328.185,"confidence":0.16870117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05820908397436142},{"word":"the","start":1328.185,"end":1328.265,"confidence":0.75390625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04889686033129692},{"word":"case","start":1328.265,"end":1328.585,"confidence":0.32702637,"punctuated_word":"case.","sentiment":"neutral","sentiment_score":-0.051232509315013885},{"word":"they're","start":1328.585,"end":1328.825,"confidence":0.8222656,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.05676525831222534},{"word":"long","start":1328.825,"end":1329.325,"confidence":0.39013672,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.04212537780404091},{"word":"yeah","start":1329.875,"end":1330.375,"confidence":0.6522217,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.02196398004889488},{"word":"i","start":1348.2001,"end":1348.28,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010678263381123545},{"word":"have","start":1348.28,"end":1348.78,"confidence":0.9536133,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005793163552880287},{"word":"for","start":1349.0,"end":1349.4,"confidence":0.84472656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.009622282348573208},{"word":"investment","start":1349.4,"end":1349.9,"confidence":0.95410156,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.011646738275885582},{"word":"property","start":1349.96,"end":1350.46,"confidence":0.96435547,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.03305264562368393},{"word":"mhmm","start":1361.875,"end":1362.375,"confidence":0.9758301,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0926629975438118},{"word":"mhmm","start":1362.69,"end":1363.19,"confidence":0.81921387,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05783269554376602},{"word":"yes","start":1370.6475,"end":1371.1475,"confidence":0.75,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08567216992378235},{"word":"mhmm","start":1385.005,"end":1385.505,"confidence":0.98498535,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02610471472144127},{"word":"yep","start":1386.445,"end":1386.945,"confidence":0.9875488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08878358453512192},{"word":"yeah","start":1389.965,"end":1390.465,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07368442416191101},{"word":"yes","start":1404.3,"end":1404.705,"confidence":0.90527344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.02380933053791523},{"word":"mhmm","start":1417.265,"end":1417.71,"confidence":0.95983887,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.029741663485765457},{"word":"mhmm","start":1423.71,"end":1424.21,"confidence":0.8964844,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1069859266281128},{"word":"absolutely","start":1438.9651,"end":1439.4651,"confidence":0.9707031,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2239675670862198},{"word":"yes","start":1439.6051,"end":1440.1051,"confidence":0.96972656,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19006678462028503},{"word":"yep","start":1451.0599,"end":1451.5599,"confidence":0.9741211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13254889845848083},{"word":"yes","start":1463.715,"end":1464.115,"confidence":0.7861328,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13887226581573486},{"word":"that's","start":1464.115,"end":1464.4349,"confidence":0.9885254,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.19178339838981628},{"word":"fine","start":1464.4349,"end":1464.9349,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.19335347414016724},{"word":"yes","start":1467.475,"end":1467.875,"confidence":0.93652344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12491630017757416},{"word":"yes","start":1467.875,"end":1468.375,"confidence":0.9177246,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09862839430570602},{"word":"no","start":1481.89,"end":1482.21,"confidence":0.939209,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.33903414011001587},{"word":"no","start":1482.21,"end":1482.53,"confidence":0.99316406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23851212859153748},{"word":"i'm","start":1482.53,"end":1482.69,"confidence":0.9777832,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.029526403173804283},{"word":"so","start":1482.69,"end":1483.01,"confidence":0.2668457,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16032744944095612},{"word":"glad","start":1483.01,"end":1483.33,"confidence":0.921875,"punctuated_word":"glad","sentiment":"neutral","sentiment_score":0.0901184231042862},{"word":"that","start":1483.33,"end":1483.41,"confidence":0.68408203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13259412348270416},{"word":"you","start":1483.41,"end":1483.605,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2123103141784668},{"word":"say","start":1483.605,"end":1483.765,"confidence":0.9892578,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.2766348123550415},{"word":"that","start":1483.765,"end":1484.005,"confidence":0.73535156,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.11616151034832},{"word":"yeah","start":1484.005,"end":1484.085,"confidence":0.88671875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08873254805803299},{"word":"no","start":1484.085,"end":1484.325,"confidence":0.9523926,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09425809234380722},{"word":"i'm","start":1484.325,"end":1484.485,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05563299357891083},{"word":"happy","start":1484.485,"end":1484.725,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.0637560784816742},{"word":"with","start":1484.725,"end":1484.965,"confidence":0.9819336,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.051847100257873535},{"word":"that","start":1484.965,"end":1485.0449,"confidence":0.98339844,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.055211082100868225},{"word":"that's","start":1485.0449,"end":1485.365,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24291002750396729},{"word":"fine","start":1485.365,"end":1485.865,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1672985702753067},{"word":"yep","start":1493.365,"end":1493.865,"confidence":0.89404297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1672414988279343},{"word":"perfect","start":1495.605,"end":1496.1,"confidence":0.8613281,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4397302865982056},{"word":"mhmm","start":1504.34,"end":1504.84,"confidence":0.8599243,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05607260391116142},{"word":"yes","start":1514.155,"end":1514.655,"confidence":0.70544434,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07544523477554321},{"word":"yep","start":1518.555,"end":1519.055,"confidence":0.7976074,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06949025392532349},{"word":"mhmm","start":1524.3151,"end":1524.75,"confidence":0.99328613,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04897034913301468},{"word":"yes","start":1530.19,"end":1530.69,"confidence":0.92529297,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08785365521907806},{"word":"mhmm","start":1542.845,"end":1543.345,"confidence":0.9729004,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04713539779186249},{"word":"yep","start":1545.5651,"end":1546.0651,"confidence":0.7397461,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0530460886657238},{"word":"yep","start":1564.7051,"end":1565.2051,"confidence":0.8232422,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0941624641418457},{"word":"i","start":1571.425,"end":1571.665,"confidence":0.27197266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04141372814774513},{"word":"see","start":1571.665,"end":1572.165,"confidence":0.67333984,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.04261782020330429},{"word":"oh","start":1575.025,"end":1575.185,"confidence":0.935791,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.34033912420272827},{"word":"beautiful","start":1575.185,"end":1575.685,"confidence":0.99316406,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.3676119446754456},{"word":"thank","start":1575.745,"end":1575.985,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.21913038194179535},{"word":"you","start":1575.985,"end":1576.485,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13194461166858673},{"word":"yep","start":1577.505,"end":1577.94,"confidence":0.98339844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026730304583907127},{"word":"yep","start":1588.82,"end":1589.32,"confidence":0.9042969,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05256439372897148},{"word":"yep","start":1590.115,"end":1590.615,"confidence":0.8598633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04349672049283981},{"word":"yep","start":1605.3949,"end":1605.81,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.008803267031908035},{"word":"yep","start":1617.7301,"end":1618.13,"confidence":0.77197266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15970459580421448},{"word":"perfect","start":1618.13,"end":1618.63,"confidence":0.98291016,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5274574756622314},{"word":"yep","start":1625.995,"end":1626.495,"confidence":0.8059082,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.021898843348026276},{"word":"yep","start":1626.635,"end":1627.135,"confidence":0.7932129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.16492396593093872},{"word":"mhmm","start":1659.88,"end":1660.38,"confidence":0.98498535,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.008850932121276855},{"word":"yep","start":1667.2401,"end":1667.7401,"confidence":0.8881836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0034482846967875957},{"word":"okay","start":1692.695,"end":1693.195,"confidence":0.9182129,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0005766674876213074},{"word":"yeah","start":1700.375,"end":1700.875,"confidence":0.8129883,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04460367560386658},{"word":"yes","start":1704.535,"end":1704.87,"confidence":0.8256836,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11096631735563278},{"word":"mhmm","start":1720.4651,"end":1720.9651,"confidence":0.9805908,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.019782306626439095},{"word":"okay","start":1728.4651,"end":1728.9651,"confidence":0.98291016,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.010197199881076813},{"word":"okay","start":1732.87,"end":1733.37,"confidence":0.65979004,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02667216956615448},{"word":"yep","start":1747.59,"end":1747.995,"confidence":0.8461914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.020044630393385887},{"word":"yep","start":1759.195,"end":1759.595,"confidence":0.8737793,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.00782442931085825},{"word":"perfect","start":1759.595,"end":1760.01,"confidence":0.9880371,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.09604193270206451},{"word":"yes","start":1763.61,"end":1764.09,"confidence":0.82836914,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.026509370654821396},{"word":"like","start":1764.09,"end":1764.59,"confidence":0.49536133,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.00489007867872715},{"word":"mhmm","start":1779.145,"end":1779.645,"confidence":0.9876709,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.018549002707004547},{"word":"yep","start":1784.8,"end":1785.3,"confidence":0.7663574,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0004102163075003773},{"word":"mhmm","start":1795.2001,"end":1795.7001,"confidence":0.99572754,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04988740012049675},{"word":"mhmm","start":1803.535,"end":1804.035,"confidence":0.9580078,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.019643673673272133},{"word":"yes","start":1823.9501,"end":1824.225,"confidence":0.98291016,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15825089812278748},{"word":"no","start":1842.8,"end":1843.3,"confidence":0.5543213,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":0.0028051547706127167},{"word":"yes","start":1863.935,"end":1864.23,"confidence":0.91381836,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0158406812697649},{"word":"okay","start":1875.35,"end":1875.85,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.07071074098348618},{"word":"fair","start":1881.6849,"end":1881.925,"confidence":0.97802734,"punctuated_word":"Fair","sentiment":"neutral","sentiment_score":0.023082636296749115},{"word":"enough","start":1881.925,"end":1882.325,"confidence":1.0,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.01287996768951416},{"word":"yep","start":1882.325,"end":1882.825,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.037004776298999786},{"word":"mhmm","start":1901.54,"end":1901.925,"confidence":0.9859619,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.00720050698146224},{"word":"okay","start":1907.525,"end":1908.025,"confidence":0.74328613,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.006288187112659216},{"word":"no","start":1913.045,"end":1913.545,"confidence":0.9645996,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08884793519973755},{"word":"yes","start":1913.765,"end":1914.265,"confidence":0.8952637,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.011577428318560123},{"word":"yep","start":1922.74,"end":1923.24,"confidence":0.8852539,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.056383341550827026},{"word":"no","start":1937.9551,"end":1938.4551,"confidence":0.81469727,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08235625177621841},{"word":"that","start":1951.5,"end":1951.8201,"confidence":0.3642578,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.0621606707572937},{"word":"no","start":1951.9,"end":1952.14,"confidence":0.97143555,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.07635565102100372},{"word":"that's","start":1952.14,"end":1952.54,"confidence":0.99609375,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.002300997730344534},{"word":"fine","start":1952.54,"end":1953.04,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.009553484618663788},{"word":"mhmm","start":1979.39,"end":1979.835,"confidence":0.97509766,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.018833447247743607},{"word":"yes","start":1984.395,"end":1984.895,"confidence":0.6873779,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11260613799095154},{"word":"yep","start":2000.76,"end":2001.26,"confidence":0.8708496,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05350998044013977},{"word":"yeah","start":2012.855,"end":2013.355,"confidence":0.7866211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05744432657957077},{"word":"yep","start":2015.495,"end":2015.995,"confidence":0.7022705,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15927918255329132},{"word":"yes","start":2036.805,"end":2037.305,"confidence":0.98950195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18856734037399292},{"word":"absolutely","start":2041.365,"end":2041.865,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.25381848216056824},{"word":"yes","start":2058.45,"end":2058.795,"confidence":0.7064209,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.061073578894138336},{"word":"yes","start":2081.85,"end":2082.35,"confidence":0.6953125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.08519139140844345},{"word":"yep","start":2085.945,"end":2086.185,"confidence":0.9152832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09611673653125764},{"word":"perfect","start":2086.185,"end":2086.685,"confidence":0.8671875,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2703631520271301},{"word":"mhmm","start":2099.8801,"end":2100.3801,"confidence":0.98657227,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.010450775735080242},{"word":"yep","start":2106.12,"end":2106.62,"confidence":0.9165039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06765110790729523},{"word":"perfect","start":2112.855,"end":2113.355,"confidence":0.9350586,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.28151369094848633},{"word":"no","start":2117.095,"end":2117.335,"confidence":0.89160156,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.005442219786345959},{"word":"but","start":2117.335,"end":2117.835,"confidence":0.7109375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05193600058555603},{"word":"it's","start":2118.375,"end":2118.695,"confidence":0.7871094,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07204636186361313},{"word":"right","start":2118.855,"end":2119.35,"confidence":0.8757324,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.07521763443946838},{"word":"yep","start":2125.75,"end":2126.25,"confidence":0.94384766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.047725945711135864},{"word":"yep","start":2134.1501,"end":2134.6501,"confidence":0.76831055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1279779076576233},{"word":"it's","start":2137.335,"end":2137.655,"confidence":0.75390625,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.8469561338424683},{"word":"beautiful","start":2137.655,"end":2138.155,"confidence":0.9980469,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.7511746883392334},{"word":"mhmm","start":2158.27,"end":2158.77,"confidence":0.9310303,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04675968736410141},{"word":"yep","start":2163.9849,"end":2164.4849,"confidence":0.7480469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04204653948545456},{"word":"okay","start":2167.185,"end":2167.685,"confidence":0.9057617,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01611580327153206},{"word":"mhmm","start":2173.585,"end":2174.085,"confidence":0.961792,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04570222645998001},{"word":"yes","start":2186.8699,"end":2187.3699,"confidence":0.65234375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.018854539841413494},{"word":"yes","start":2199.7651,"end":2200.2651,"confidence":0.86083984,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0739034116268158},{"word":"yes","start":2201.0452,"end":2201.4,"confidence":0.9980469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1259358525276184},{"word":"absolutely","start":2205.16,"end":2205.66,"confidence":0.99609375,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1782809942960739},{"word":"mhmm","start":2208.44,"end":2208.94,"confidence":0.9700928,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.039957743138074875},{"word":"no","start":2209.4,"end":2209.9,"confidence":0.98950195,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03961454704403877},{"word":"okay","start":2218.5352,"end":2219.0352,"confidence":0.8635254,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0023554861545562744},{"word":"mhmm","start":2244.775,"end":2245.275,"confidence":0.9838867,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.015623047016561031},{"word":"mhmm","start":2251.415,"end":2251.915,"confidence":0.8562622,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01261417381465435},{"word":"mhmm","start":2275.3252,"end":2275.8252,"confidence":0.9140625,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.016185251995921135},{"word":"mhmm","start":2279.5,"end":2280.0,"confidence":0.9511719,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.004014758858829737},{"word":"account","start":2295.265,"end":2295.765,"confidence":0.82373047,"punctuated_word":"Account.","sentiment":"neutral","sentiment_score":0.23726700246334076},{"word":"yep","start":2302.705,"end":2303.205,"confidence":0.9030762,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1572805494070053},{"word":"okay","start":2312.1602,"end":2312.6602,"confidence":0.93066406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.10535231977701189},{"word":"yep","start":2313.6,"end":2314.1,"confidence":0.8161621,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08191508799791336},{"word":"mhmm","start":2314.8,"end":2315.3,"confidence":0.99731445,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2739711403846741},{"word":"yes","start":2318.32,"end":2318.82,"confidence":0.8808594,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2047433853149414},{"word":"absolutely","start":2323.4148,"end":2323.9148,"confidence":0.982666,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.24272850155830383},{"word":"yes","start":2324.1348,"end":2324.6348,"confidence":0.9680176,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1927555799484253},{"word":"yeah","start":2334.055,"end":2334.48,"confidence":0.82421875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02017231285572052},{"word":"okay","start":2345.04,"end":2345.54,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.020362377166748047},{"word":"yes","start":2351.6152,"end":2352.1152,"confidence":0.7385254,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04258351027965546},{"word":"yep","start":2352.415,"end":2352.915,"confidence":0.94140625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032624151557683945},{"word":"mhmm","start":2360.735,"end":2361.235,"confidence":0.9959717,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.015055753290653229},{"word":"okay","start":2371.09,"end":2371.59,"confidence":0.7824707,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.007112763822078705},{"word":"no","start":2375.09,"end":2375.33,"confidence":0.9519043,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09043750911951064},{"word":"thank","start":2375.33,"end":2375.49,"confidence":0.9970703,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.10579335689544678},{"word":"you","start":2375.49,"end":2375.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.165570467710495},{"word":"for","start":2375.73,"end":2375.8901,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13887153565883636},{"word":"that","start":2375.8901,"end":2376.315,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09914378076791765},{"word":"mhmm","start":2394.8901,"end":2395.3901,"confidence":0.92578125,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02956780232489109},{"word":"i'm","start":2412.505,"end":2412.7449,"confidence":0.5407715,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0951385647058487},{"word":"home","start":2412.7449,"end":2413.2449,"confidence":0.72143555,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.09132199734449388},{"word":"no","start":2420.25,"end":2420.75,"confidence":0.8913574,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2265702337026596},{"word":"mhmm","start":2452.405,"end":2452.905,"confidence":0.8708496,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.15048666298389435},{"word":"so","start":2465.925,"end":2466.425,"confidence":0.8496094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12808077037334442},{"word":"we","start":2467.0,"end":2467.24,"confidence":0.6611328,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07725240290164948},{"word":"change","start":2467.24,"end":2467.32,"confidence":0.24609375,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.07677233964204788},{"word":"it","start":2467.32,"end":2467.72,"confidence":0.63793945,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.048221655189991},{"word":"like","start":2467.72,"end":2467.9602,"confidence":0.65649414,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04168083146214485},{"word":"the","start":2467.9602,"end":2468.04,"confidence":0.9326172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02467520907521248},{"word":"nominee","start":2468.04,"end":2468.54,"confidence":0.99316406,"punctuated_word":"nominee","sentiment":"neutral","sentiment_score":0.06673531234264374},{"word":"goes","start":2468.6802,"end":2469.0,"confidence":0.5493164,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.006932344287633896},{"word":"to","start":2469.0,"end":2469.08,"confidence":0.7368164,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.021471288055181503},{"word":"like","start":2469.08,"end":2469.24,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.025305677205324173},{"word":"a","start":2469.24,"end":2469.4001,"confidence":0.75927734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.032455526292324066},{"word":"lawyer","start":2469.4001,"end":2469.9001,"confidence":1.0,"punctuated_word":"lawyer","sentiment":"neutral","sentiment_score":0.029383093118667603},{"word":"as","start":2471.24,"end":2471.32,"confidence":0.2709961,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03436621278524399},{"word":"a","start":2471.32,"end":2471.48,"confidence":0.875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06276212632656097},{"word":"legal","start":2471.48,"end":2471.98,"confidence":0.9819336,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.055841539055109024},{"word":"oh","start":2479.4001,"end":2479.72,"confidence":0.9223633,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.0617535337805748},{"word":"okay","start":2479.72,"end":2480.22,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07115764915943146},{"word":"mhmm","start":2487.815,"end":2488.315,"confidence":0.9859619,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.005138068459928036},{"word":"oh","start":2491.1748,"end":2491.4949,"confidence":0.9916992,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.023043973371386528},{"word":"okay","start":2491.4949,"end":2491.9949,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06011667847633362},{"word":"okay","start":2551.57,"end":2552.07,"confidence":0.96191406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11216294765472412},{"word":"mhmm","start":2562.9448,"end":2563.4448,"confidence":0.9577637,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.031530123203992844},{"word":"yes","start":2568.1448,"end":2568.4648,"confidence":0.9277344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18210294842720032},{"word":"absolutely","start":2568.4648,"end":2568.9648,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1937890350818634},{"word":"so","start":2582.56,"end":2582.72,"confidence":0.8071289,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06597434729337692},{"word":"i","start":2582.72,"end":2582.8,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11776115000247955},{"word":"can't","start":2582.8,"end":2583.04,"confidence":0.9921875,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.07013589143753052},{"word":"put","start":2583.04,"end":2583.3599,"confidence":0.9892578,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.09682947397232056},{"word":"my","start":2583.3599,"end":2583.44,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.169885516166687},{"word":"kids","start":2583.44,"end":2583.8398,"confidence":0.9550781,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":-0.12044915556907654},{"word":"can","start":2583.8398,"end":2584.0798,"confidence":0.97998047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.022791199386119843},{"word":"i","start":2584.0798,"end":2584.5798,"confidence":0.9633789,"punctuated_word":"I?","sentiment":"neutral","sentiment_score":-0.008396230638027191},{"word":"okay","start":2592.795,"end":2593.295,"confidence":0.8251953,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.00507267564535141},{"word":"so","start":2593.355,"end":2593.855,"confidence":0.92333984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.022988036274909973},{"word":"yep","start":2599.8975,"end":2600.04,"confidence":0.79313153,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.04112878069281578},{"word":"so","start":2617.675,"end":2617.915,"confidence":0.6821289,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05448093265295029},{"word":"i've","start":2617.915,"end":2618.155,"confidence":0.47802734,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.11298200488090517},{"word":"got","start":2618.155,"end":2618.315,"confidence":0.4645996,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.15281088650226593},{"word":"my","start":2618.315,"end":2618.475,"confidence":0.8769531,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.16284216940402985},{"word":"dad's","start":2618.475,"end":2618.795,"confidence":0.9526367,"punctuated_word":"dad's","sentiment":"neutral","sentiment_score":-0.17181378602981567},{"word":"old","start":2618.795,"end":2619.035,"confidence":0.8010254,"punctuated_word":"old.","sentiment":"neutral","sentiment_score":-0.16361625492572784},{"word":"i'm","start":2619.035,"end":2619.115,"confidence":0.58380127,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1624961793422699},{"word":"trying","start":2619.115,"end":2619.355,"confidence":0.82714844,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.17106644809246063},{"word":"to","start":2619.355,"end":2619.435,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16786164045333862},{"word":"put","start":2619.435,"end":2619.595,"confidence":0.9404297,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.1699995398521423},{"word":"him","start":2619.595,"end":2619.7551,"confidence":0.9970703,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.22159667313098907},{"word":"down","start":2619.7551,"end":2619.915,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.13467130064964294},{"word":"for","start":2619.915,"end":2620.075,"confidence":0.9453125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1673613339662552},{"word":"the","start":2620.075,"end":2620.235,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14241576194763184},{"word":"time","start":2620.235,"end":2620.475,"confidence":0.99609375,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.13999700546264648},{"word":"being","start":2620.475,"end":2620.975,"confidence":0.94189453,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":-0.1660580039024353},{"word":"so","start":2623.435,"end":2623.595,"confidence":0.4267578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07092687487602234},{"word":"i","start":2623.595,"end":2623.675,"confidence":0.80810547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07789020985364914},{"word":"just","start":2623.675,"end":2623.835,"confidence":0.67285156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07382707297801971},{"word":"put","start":2623.835,"end":2623.995,"confidence":0.9741211,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.08148987591266632},{"word":"my","start":2623.995,"end":2624.155,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07303088903427124},{"word":"dad","start":2624.155,"end":2624.395,"confidence":0.99902344,"punctuated_word":"dad","sentiment":"neutral","sentiment_score":-0.07570146024227142},{"word":"down","start":2624.395,"end":2624.635,"confidence":0.98291016,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.04754042252898216},{"word":"for","start":2624.635,"end":2624.875,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.061661019921302795},{"word":"the","start":2624.875,"end":2624.955,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0608426108956337},{"word":"time","start":2624.955,"end":2625.195,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.04595780745148659},{"word":"being","start":2625.195,"end":2625.515,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.0656040757894516},{"word":"or","start":2625.515,"end":2625.915,"confidence":0.55810547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06471214443445206},{"word":"yeah","start":2629.115,"end":2629.615,"confidence":0.96655273,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.00925084576010704},{"word":"oh","start":2633.7002,"end":2633.86,"confidence":0.953125,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.09306078404188156},{"word":"no","start":2633.86,"end":2634.1,"confidence":0.99072266,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.14298957586288452},{"word":"no","start":2634.1,"end":2634.34,"confidence":0.99658203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14224332571029663},{"word":"my","start":2634.34,"end":2634.58,"confidence":0.94921875,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.14474058151245117},{"word":"kids","start":2634.58,"end":2634.9802,"confidence":0.89501953,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":-0.14698660373687744},{"word":"sorry","start":2634.9802,"end":2635.2202,"confidence":0.9753418,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.11162722110748292},{"word":"yeah","start":2635.2202,"end":2635.54,"confidence":0.91796875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03891703486442566},{"word":"sorry","start":2635.54,"end":2636.04,"confidence":0.99609375,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.03570304065942764},{"word":"yeah","start":2636.9802,"end":2637.4802,"confidence":0.9543457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04488340765237808},{"word":"yeah","start":2641.2202,"end":2641.7202,"confidence":0.83691406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07230738550424576},{"word":"mhmm","start":2647.415,"end":2647.915,"confidence":0.984375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.034867383539676666},{"word":"yep","start":2659.11,"end":2659.61,"confidence":0.9025879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0621667318046093},{"word":"yep","start":2659.75,"end":2660.25,"confidence":0.87719727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05053028464317322},{"word":"mhmm","start":2663.1902,"end":2663.6902,"confidence":0.9995117,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.017619360238313675},{"word":"beautiful","start":2688.3,"end":2688.8,"confidence":0.8713379,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6112033128738403},{"word":"thank","start":2689.1,"end":2689.34,"confidence":0.96777344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6859378218650818},{"word":"you","start":2689.34,"end":2689.84,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6086430549621582},{"word":"yep","start":2718.6501,"end":2719.1501,"confidence":0.9650879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05691421777009964},{"word":"yep","start":2732.1848,"end":2732.46,"confidence":0.95996094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.002517136512324214},{"word":"mhmm","start":2742.46,"end":2742.6199,"confidence":0.9428711,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08813677728176117},{"word":"yep","start":2742.6199,"end":2743.02,"confidence":0.87109375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23995265364646912},{"word":"perfect","start":2743.02,"end":2743.52,"confidence":0.9807129,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6097012758255005},{"word":"mhmm","start":2744.475,"end":2744.975,"confidence":0.9451904,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2201387882232666},{"word":"yep","start":2751.2324,"end":2751.7324,"confidence":0.71569824,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1989244818687439},{"word":"perfect","start":2758.23,"end":2758.73,"confidence":0.9914551,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6127349734306335},{"word":"yep","start":2767.59,"end":2768.09,"confidence":0.83691406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16866366565227509},{"word":"okay","start":2771.19,"end":2771.67,"confidence":0.96191406,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4051078259944916},{"word":"beautiful","start":2771.67,"end":2772.17,"confidence":0.99365234,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.594801664352417},{"word":"yes","start":2773.405,"end":2773.905,"confidence":0.7687988,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10237300395965576},{"word":"mhmm","start":2781.4849,"end":2781.9849,"confidence":0.99243164,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0425800159573555},{"word":"mhmm","start":2797.74,"end":2798.145,"confidence":0.94311523,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.019860265776515007},{"word":"okay","start":2810.305,"end":2810.7,"confidence":0.98535156,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.027761731296777725},{"word":"perfect","start":2816.6199,"end":2816.8599,"confidence":0.89868164,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.12361987680196762},{"word":"no","start":2816.8599,"end":2817.3599,"confidence":0.9758301,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08708682656288147},{"word":"mhmm","start":2831.0352,"end":2831.5352,"confidence":0.92736816,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01960824616253376},{"word":"okay","start":2852.8252,"end":2853.225,"confidence":0.935791,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19271419942379},{"word":"perfect","start":2853.225,"end":2853.725,"confidence":0.9951172,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32973992824554443},{"word":"mhmm","start":2862.2651,"end":2862.72,"confidence":0.998291,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.007277642376720905},{"word":"yep","start":2880.115,"end":2880.615,"confidence":0.7369385,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04605933651328087},{"word":"yep","start":2880.915,"end":2881.415,"confidence":0.7644043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03464121371507645},{"word":"perfect","start":2888.675,"end":2889.175,"confidence":0.9802246,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6048027873039246},{"word":"mhmm","start":2907.125,"end":2907.625,"confidence":0.9556885,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07054077088832855},{"word":"okay","start":2922.1401,"end":2922.4602,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12955570220947266},{"word":"yep","start":2922.4602,"end":2922.9602,"confidence":0.94628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1563490629196167},{"word":"yes","start":2938.075,"end":2938.575,"confidence":0.8347168,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11292999237775804},{"word":"yep","start":2954.2449,"end":2954.7449,"confidence":0.9489746,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07464130222797394},{"word":"yeah","start":2968.4849,"end":2968.92,"confidence":0.9645996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03250592201948166},{"word":"no","start":2975.88,"end":2976.38,"confidence":0.97021484,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12240809947252274},{"word":"none","start":2976.5999,"end":2976.92,"confidence":0.9941406,"punctuated_word":"None","sentiment":"neutral","sentiment_score":-0.1286754161119461},{"word":"at","start":2976.92,"end":2977.0798,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13373972475528717},{"word":"all","start":2977.0798,"end":2977.5798,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.12937431037425995},{"word":"yeah","start":2981.64,"end":2981.96,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09206970036029816},{"word":"absolutely","start":2981.96,"end":2982.46,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2159172296524048},{"word":"hello","start":2995.275,"end":2995.59,"confidence":0.78881836,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.0686364620923996},{"word":"okay","start":3006.23,"end":3006.7102,"confidence":0.8391113,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.25199538469314575},{"word":"perfect","start":3006.7102,"end":3007.2102,"confidence":0.9951172,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.41510748863220215},{"word":"absolutely","start":3017.605,"end":3018.105,"confidence":0.984375,"punctuated_word":"Absolutely","sentiment":"positive","sentiment_score":0.6549396514892578},{"word":"beautiful","start":3018.165,"end":3018.665,"confidence":0.9555664,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.5734518766403198},{"word":"alright","start":3021.285,"end":3021.785,"confidence":0.98950195,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.06760881841182709},{"word":"yeah","start":3023.62,"end":3023.86,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01944894716143608},{"word":"these","start":3023.86,"end":3024.1,"confidence":0.69189453,"punctuated_word":"These","sentiment":"neutral","sentiment_score":-0.01642635092139244},{"word":"are","start":3024.1,"end":3024.26,"confidence":0.9741211,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0018538720905780792},{"word":"my","start":3024.26,"end":3024.42,"confidence":0.7373047,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.015585172921419144},{"word":"i'm","start":3024.5,"end":3024.82,"confidence":0.65356445,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.014406192116439342},{"word":"off","start":3024.82,"end":3025.1401,"confidence":0.91015625,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.01079295203089714},{"word":"today","start":3025.1401,"end":3025.3801,"confidence":0.9536133,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.020497478544712067},{"word":"and","start":3025.3801,"end":3025.54,"confidence":0.91503906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0010830722749233246},{"word":"tomorrow","start":3025.54,"end":3025.86,"confidence":0.685791,"punctuated_word":"tomorrow,","sentiment":"neutral","sentiment_score":0.005476068705320358},{"word":"so","start":3025.86,"end":3026.1,"confidence":0.94628906,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.011327046900987623},{"word":"i","start":3026.1,"end":3026.18,"confidence":0.9165039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02111601829528809},{"word":"rough","start":3026.18,"end":3026.42,"confidence":0.1262207,"punctuated_word":"rough","sentiment":"neutral","sentiment_score":0.009923215955495834},{"word":"the","start":3026.42,"end":3026.58,"confidence":0.8730469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018639802932739254},{"word":"days","start":3026.58,"end":3026.9,"confidence":0.8276367,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.030360445380210876},{"word":"off","start":3026.9,"end":3027.4,"confidence":0.9921875,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.03815025836229324},{"word":"so","start":3031.54,"end":3031.94,"confidence":0.4807129,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09715192764997482},{"word":"i","start":3031.94,"end":3032.02,"confidence":0.7583008,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11032562702894212},{"word":"did","start":3032.02,"end":3032.26,"confidence":0.78515625,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.1161157488822937},{"word":"i'm","start":3032.26,"end":3032.5,"confidence":0.9880371,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07519066333770752},{"word":"still","start":3032.5,"end":3032.98,"confidence":0.9941406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12371264398097992},{"word":"in","start":3032.98,"end":3033.22,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08811915665864944},{"word":"bed","start":3033.22,"end":3033.3801,"confidence":0.85913086,"punctuated_word":"bed,","sentiment":"neutral","sentiment_score":0.08620917052030563},{"word":"actually","start":3033.3801,"end":3033.78,"confidence":0.99902344,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":0.03530941531062126},{"word":"i","start":3033.78,"end":3033.94,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2887575626373291},{"word":"took","start":3033.94,"end":3034.1,"confidence":0.99902344,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.2525511682033539},{"word":"a","start":3034.1,"end":3034.26,"confidence":0.99609375,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4025518298149109},{"word":"pain","start":3034.26,"end":3034.58,"confidence":0.98828125,"punctuated_word":"pain","sentiment":"negative","sentiment_score":-0.3930043280124664},{"word":"killer","start":3034.58,"end":3034.9,"confidence":0.46704102,"punctuated_word":"killer","sentiment":"negative","sentiment_score":-0.33736446499824524},{"word":"last","start":3034.9,"end":3035.22,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.21318697929382324},{"word":"night","start":3035.22,"end":3035.46,"confidence":0.92749023,"punctuated_word":"night,","sentiment":"neutral","sentiment_score":-0.30762749910354614},{"word":"so","start":3035.46,"end":3035.54,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2845529019832611},{"word":"it","start":3035.54,"end":3035.985,"confidence":0.70410156,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.507441520690918},{"word":"made","start":3036.0652,"end":3036.145,"confidence":0.8520508,"punctuated_word":"made","sentiment":"negative","sentiment_score":-0.4994007349014282},{"word":"me","start":3036.145,"end":3036.385,"confidence":0.9970703,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.4558871984481811},{"word":"a","start":3036.385,"end":3036.465,"confidence":0.6113281,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4551575183868408},{"word":"bit","start":3036.465,"end":3036.705,"confidence":0.98535156,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.4374593794345856},{"word":"zoned","start":3036.705,"end":3036.945,"confidence":0.607666,"punctuated_word":"zoned","sentiment":"negative","sentiment_score":-0.5633598566055298},{"word":"out","start":3036.945,"end":3037.185,"confidence":0.98535156,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.4635211229324341},{"word":"today","start":3037.185,"end":3037.685,"confidence":1.0,"punctuated_word":"today.","sentiment":"negative","sentiment_score":-0.3351376950740814},{"word":"no","start":3042.5452,"end":3042.945,"confidence":0.9602051,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.25342315435409546},{"word":"no","start":3042.945,"end":3043.1052,"confidence":0.9980469,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.29093509912490845},{"word":"no","start":3043.1052,"end":3043.2651,"confidence":0.9995117,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.30130159854888916},{"word":"no","start":3043.2651,"end":3043.425,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.3055691719055176},{"word":"no","start":3043.425,"end":3043.5051,"confidence":0.99560547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.3279810845851898},{"word":"no","start":3043.5051,"end":3043.905,"confidence":0.8911133,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3797780871391296},{"word":"i'm","start":3043.905,"end":3044.145,"confidence":0.9707031,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.4729164242744446},{"word":"just","start":3044.145,"end":3044.385,"confidence":1.0,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.49810436367988586},{"word":"lazy","start":3044.385,"end":3044.7852,"confidence":0.94384766,"punctuated_word":"lazy","sentiment":"negative","sentiment_score":-0.4817060232162475},{"word":"today","start":3044.7852,"end":3045.2852,"confidence":0.99902344,"punctuated_word":"today.","sentiment":"negative","sentiment_score":-0.3475896716117859},{"word":"beautiful","start":3055.12,"end":3055.52,"confidence":0.9819336,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7366647124290466},{"word":"thank","start":3055.52,"end":3055.68,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8227607607841492},{"word":"you","start":3055.68,"end":3055.92,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8336057066917419},{"word":"so","start":3055.92,"end":3056.08,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8288407921791077},{"word":"much","start":3056.08,"end":3056.4,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8718346357345581},{"word":"for","start":3056.4,"end":3056.56,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8388301134109497},{"word":"doing","start":3056.56,"end":3056.8,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.8898661136627197},{"word":"that","start":3056.8,"end":3056.96,"confidence":0.9926758,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.8507617115974426},{"word":"it's","start":3056.96,"end":3057.2,"confidence":0.8383789,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.8618519306182861},{"word":"greatly","start":3057.2,"end":3057.52,"confidence":0.921875,"punctuated_word":"greatly","sentiment":"positive","sentiment_score":0.8806615471839905},{"word":"appreciated","start":3057.52,"end":3058.02,"confidence":0.9941406,"punctuated_word":"appreciated.","sentiment":"positive","sentiment_score":0.8239253163337708},{"word":"yes","start":3065.055,"end":3065.375,"confidence":0.9824219,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.44956672191619873},{"word":"me","start":3065.375,"end":3065.6948,"confidence":0.9921875,"punctuated_word":"Me","sentiment":"positive","sentiment_score":0.5666782259941101},{"word":"too","start":3065.6948,"end":3066.1948,"confidence":0.9980469,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.4786728322505951},{"word":"thanks","start":3068.6548,"end":3069.1548,"confidence":0.5626221,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.7035757303237915},{"word":"you","start":3069.375,"end":3069.535,"confidence":0.91748047,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.447576105594635},{"word":"too","start":3069.535,"end":3069.855,"confidence":0.9980469,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.4461265802383423},{"word":"thanks","start":3069.855,"end":3070.1748,"confidence":0.98657227,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.608191728591919},{"word":"jenna","start":3070.1748,"end":3070.4949,"confidence":0.9753418,"punctuated_word":"Jenna.","sentiment":"positive","sentiment_score":0.5553976893424988},{"word":"bye","start":3070.4949,"end":3070.7349,"confidence":0.99609375,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.274031400680542},{"word":"bye","start":3070.7349,"end":3071.2349,"confidence":0.99902344,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":0.2542325258255005},{"word":"bye","start":3072.4148,"end":3072.9148,"confidence":0.97021484,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11115174740552902}],"paragraphs":{"transcript":"\nHello. Sharon speaking. I'm well. How are you? Yeah.\n\nThat's fine. At Sherry Anne Russat, twenty five nine sixty nine, and it's 220735 Burdette Street, Albion. Yeah. Not too bad. I'm only back two days a week.\n\nI'm sorry. Two days on, two days off. Yep. Well, he's said I should be off for, like, you know, another two weeks, but I pushed to go back so I needed the money. So I just have to, you know, because ankles twirls at the end of every shift that, you know, you gotta do what you gotta do.\n\nYeah. Once you get hard, like, COVID died, it probably goes down. I need to do it again the next day, but that's fine. Yeah. Yeah.\n\nYeah. Yeah. Thank you. I am. Yes.\n\nMhmm. Thank you. Uh-huh. I do. I'm just trying to pick up that document.\n\nLet's have a look in here. Oh. Oh, yep. That I've got a sign. Yep.\n\nOkay. I've just got that. Yep. Mhmm. I'm just going to try now.\n\nYes. I've got open. Yep. Perfect. Yes.\n\nMhmm. Yes. Mhmm. I called. Yes.\n\nYep. Yep. Yes. Uh-huh. Yes.\n\nYes. Mhmm. Yes. Mhmm. Yes.\n\nYes. Uh-huh. Yes. Yep. Mhmm.\n\nYep. Perfect. Yep. Yep. Yes.\n\nMhmm. Yes. Mhmm. Yes. At how you?\n\nYep. No. Yes. Yes. Mhmm.\n\nMhmm. Yes. Mhmm. Yeah. I guess everything's a risk really, isn't it, whether it goes into that or something else?\n\nMhmm. Mhmm. Yeah. Hard, isn't it? That's okay.\n\nOh, no. Yeah. Not till next week, is it? Or the week after. Next week.\n\nYeah. Yeah. Mhmm. Yes. Yes.\n\nYes. Yes. I still have a cost concern there, maybe. That Okay. Yeah.\n\nYeah. Maybe. Yeah. Yeah. Yep.\n\nMhmm. So I've actually put my personal money into. Nothing really, to be honest. Oh, yeah. Well, yeah.\n\nBecause yeah. That might be yeah. Probably '79. Mhmm. I'm probably moderate.\n\nYeah. I don't know the answer to that one. I don't know. Yeah. Red.\n\nYes. Probably ring you and ask you your advice what we should do. Yes. Yes. Exasius.\n\nThe highest. Was it concerned? Taking advice? Was that right? Would you say?\n\nOh, no. I'd just be concerned. I mean, I'm not in the case. They're long yeah. I have for investment property.\n\nMhmm. Mhmm. Yes. Mhmm. Yep.\n\nYeah. Yes. Mhmm. Mhmm. Absolutely.\n\nYes. Yep. Yes. That's fine. Yes.\n\nYes. No. No. I'm so glad that you say that. Yeah.\n\nNo. I'm happy with that. That's fine. Yep. Perfect.\n\nMhmm. Yes. Yep. Mhmm. Yes.\n\nMhmm. Yep. Yep. I see. Oh, beautiful.\n\nThank you. Yep. Yep. Yep. Yep.\n\nYep. Perfect. Yep. Yep. Mhmm.\n\nYep. Okay. Yeah. Yes. Mhmm.\n\nOkay. Okay. Yep. Yep. Perfect.\n\nYes. Like, Mhmm. Yep. Mhmm. Mhmm.\n\nYes. No? Yes. Okay. Fair enough.\n\nYep. Mhmm. Okay. No. Yes.\n\nYep. No. That no. That's fine. Mhmm.\n\nYes. Yep. Yeah. Yep. Yes.\n\nAbsolutely. Yes. Yes. Yep. Perfect.\n\nMhmm. Yep. Perfect. No. But it's right.\n\nYep. Yep. It's beautiful. Mhmm. Yep.\n\nOkay. Mhmm. Yes. Yes. Yes.\n\nAbsolutely. Mhmm. No. Okay. Mhmm.\n\nMhmm. Mhmm. Mhmm. Account. Yep.\n\nOkay. Yep. Mhmm. Yes. Absolutely.\n\nYes. Yeah. Okay. Yes. Yep.\n\nMhmm. Okay. No. Thank you for that. Mhmm.\n\nI'm home. No. Mhmm. So we change it, like, the nominee goes to, like, a lawyer as a legal oh, okay. Mhmm.\n\nOh, okay. Okay. Mhmm. Yes. Absolutely.\n\nSo I can't put my kids, can I? Okay. So yep. So I've got my dad's old. I'm trying to put him down for the time being.\n\nSo I just put my dad down for the time being or yeah. Oh, no. No. My kids. Sorry.\n\nYeah. Sorry. Yeah. Yeah. Mhmm.\n\nYep. Yep. Mhmm. Beautiful. Thank you.\n\nYep. Yep. Mhmm. Yep. Perfect.\n\nMhmm. Yep. Perfect. Yep. Okay.\n\nBeautiful. Yes. Mhmm. Mhmm. Okay.\n\nPerfect. No. Mhmm. Okay. Perfect.\n\nMhmm. Yep. Yep. Perfect. Mhmm.\n\nOkay. Yep. Yes. Yep. Yeah.\n\nNo. None at all. Yeah. Absolutely. Hello?\n\nOkay. Perfect. Absolutely beautiful. Alright. Yeah.\n\nThese are my I'm off today and tomorrow, so I rough the days off. So I did. I'm still in bed, actually. I took a pain killer last night, so it made me a bit zoned out today. No.\n\nNo. No. No. No. No.\n\nI'm just lazy today. Beautiful. Thank you so much for doing that. It's greatly appreciated. Yes.\n\nMe too. Thanks. You too. Thanks, Jenna. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.058260612189769745},{"text":"Sharon speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.05910634063184261},{"text":"I'm well.","start":6.56,"end":7.04,"sentiment":"positive","sentiment_score":0.38422928750514984},{"text":"How are you?","start":7.04,"end":7.94,"sentiment":"neutral","sentiment_score":0.28561965624491376},{"text":"Yeah.","start":17.725,"end":17.885,"sentiment":"neutral","sentiment_score":0.1172950118780136}],"sentiment":"neutral","sentiment_score":0.21323176100850105,"num_words":9,"start":0.88,"end":17.885},{"sentences":[{"text":"That's fine.","start":17.885,"end":18.705,"sentiment":"neutral","sentiment_score":0.2629816383123398},{"text":"At Sherry Anne Russat, twenty five nine sixty nine, and it's 220735 Burdette Street, Albion.","start":27.49,"end":34.31,"sentiment":"neutral","sentiment_score":0.041456498702367145},{"text":"Yeah.","start":39.81,"end":40.05,"sentiment":"neutral","sentiment_score":0.03158290311694145},{"text":"Not too bad.","start":40.05,"end":44.485,"sentiment":"neutral","sentiment_score":-0.06835853432615598},{"text":"I'm only back two days a week.","start":44.945,"end":46.625,"sentiment":"neutral","sentiment_score":-0.16838763441358293}],"sentiment":"neutral","sentiment_score":-0.0072998351284435815,"num_words":28,"start":17.885,"end":46.625},{"sentences":[{"text":"I'm sorry.","start":46.625,"end":47.445,"sentiment":"neutral","sentiment_score":-0.1370985507965088},{"text":"Two days on, two days off.","start":47.505,"end":49.205,"sentiment":"neutral","sentiment_score":-0.09816186502575874},{"text":"Yep.","start":50.625,"end":51.125,"sentiment":"neutral","sentiment_score":0.051669828593730927},{"text":"Well, he's said I should be off for, like, you know, another two weeks, but I pushed to go back so I needed the money.","start":55.41,"end":63.67,"sentiment":"neutral","sentiment_score":-0.15263933688402176},{"text":"So I just have to, you know, because ankles twirls at the end of every shift that, you know, you gotta do what you gotta do.","start":65.49,"end":70.515,"sentiment":"neutral","sentiment_score":-0.06347275482347378}],"sentiment":"neutral","sentiment_score":-0.10462955851107836,"num_words":60,"start":46.625,"end":70.515},{"sentences":[{"text":"Yeah.","start":81.075,"end":81.315,"sentiment":"neutral","sentiment_score":-0.06587731838226318},{"text":"Once you get hard, like, COVID died, it probably goes down.","start":81.315,"end":84.46,"sentiment":"neutral","sentiment_score":-0.24620253118601712},{"text":"I need to do it again the next day, but that's fine.","start":84.46,"end":86.96,"sentiment":"neutral","sentiment_score":-0.17124434933066368},{"text":"Yeah.","start":90.62,"end":90.94,"sentiment":"neutral","sentiment_score":-0.005314499139785767},{"text":"Yeah.","start":90.94,"end":91.44,"sentiment":"neutral","sentiment_score":0.008118242025375366}],"sentiment":"neutral","sentiment_score":-0.18562436963503176,"num_words":26,"start":81.075,"end":91.44},{"sentences":[{"text":"Yeah.","start":105.275,"end":105.775,"sentiment":"neutral","sentiment_score":0.027714572846889496},{"text":"Yeah.","start":111.19,"end":111.51,"sentiment":"neutral","sentiment_score":0.14255964756011963},{"text":"Thank you.","start":111.51,"end":112.25,"sentiment":"neutral","sentiment_score":0.28308095037937164},{"text":"I am.","start":116.79,"end":117.19,"sentiment":"neutral","sentiment_score":0.1562957912683487},{"text":"Yes.","start":117.19,"end":117.69,"sentiment":"neutral","sentiment_score":0.15281003713607788}],"sentiment":"neutral","sentiment_score":0.17169110583407537,"num_words":7,"start":105.275,"end":117.69},{"sentences":[{"text":"Mhmm.","start":119.59,"end":120.09,"sentiment":"neutral","sentiment_score":0.28023022413253784},{"text":"Thank you.","start":121.75,"end":122.49,"sentiment":"positive","sentiment_score":0.5930024981498718},{"text":"Uh-huh.","start":146.62,"end":147.12,"sentiment":"neutral","sentiment_score":0.01803232543170452},{"text":"I do.","start":152.3,"end":152.715,"sentiment":"neutral","sentiment_score":0.11431854590773582},{"text":"I'm just trying to pick up that document.","start":152.875,"end":156.735,"sentiment":"neutral","sentiment_score":0.05045295273885131}],"sentiment":"neutral","sentiment_score":0.15118058997073344,"num_words":14,"start":119.59,"end":156.735},{"sentences":[{"text":"Let's have a look in here.","start":174.23999,"end":175.78,"sentiment":"neutral","sentiment_score":0.02191822820653518},{"text":"Oh.","start":183.775,"end":184.25499,"sentiment":"neutral","sentiment_score":0.020127499476075172},{"text":"Oh, yep.","start":184.25499,"end":184.73499,"sentiment":"neutral","sentiment_score":0.013292000629007816},{"text":"That I've got a sign.","start":184.73499,"end":185.53499,"sentiment":"neutral","sentiment_score":-0.010003978200256825},{"text":"Yep.","start":185.53499,"end":185.855,"sentiment":"neutral","sentiment_score":0.02435316890478134}],"sentiment":"neutral","sentiment_score":0.010170276525119941,"num_words":15,"start":174.23999,"end":185.855},{"sentences":[{"text":"Okay.","start":185.855,"end":186.09499,"sentiment":"neutral","sentiment_score":0.02512933313846588},{"text":"I've just got that.","start":186.09499,"end":186.73499,"sentiment":"neutral","sentiment_score":0.009269281756132841},{"text":"Yep.","start":186.73499,"end":187.23499,"sentiment":"neutral","sentiment_score":0.04299071431159973},{"text":"Mhmm.","start":206.67,"end":207.17,"sentiment":"neutral","sentiment_score":0.02774398773908615},{"text":"I'm just going to try now.","start":208.59,"end":210.13,"sentiment":"neutral","sentiment_score":0.01302674226462841}],"sentiment":"neutral","sentiment_score":0.016238585830881044,"num_words":13,"start":185.855,"end":210.13},{"sentences":[{"text":"Yes.","start":213.18501,"end":213.425,"sentiment":"neutral","sentiment_score":0.049439821392297745},{"text":"I've got open.","start":213.425,"end":214.065,"sentiment":"neutral","sentiment_score":0.025411898891131084},{"text":"Yep.","start":214.065,"end":214.565,"sentiment":"neutral","sentiment_score":0.1804380714893341},{"text":"Perfect.","start":222.225,"end":222.625,"sentiment":"positive","sentiment_score":0.4890819191932678},{"text":"Yes.","start":222.625,"end":222.9,"sentiment":"neutral","sentiment_score":0.20177465677261353}],"sentiment":"neutral","sentiment_score":0.14242430936012948,"num_words":7,"start":213.18501,"end":222.9},{"sentences":[{"text":"Mhmm.","start":233.54,"end":234.04,"sentiment":"neutral","sentiment_score":0.028215184807777405},{"text":"Yes.","start":266.445,"end":266.945,"sentiment":"neutral","sentiment_score":0.07206924259662628},{"text":"Mhmm.","start":286.165,"end":286.665,"sentiment":"neutral","sentiment_score":0.05477512627840042},{"text":"I called.","start":302.91998,"end":303.66,"sentiment":"neutral","sentiment_score":0.04242009483277798},{"text":"Yes.","start":305.72,"end":306.22,"sentiment":"neutral","sentiment_score":0.1269977241754532}],"sentiment":"neutral","sentiment_score":0.061149577920635544,"num_words":6,"start":233.54,"end":306.22},{"sentences":[{"text":"Yep.","start":321.415,"end":321.915,"sentiment":"neutral","sentiment_score":0.08236472308635712},{"text":"Yep.","start":341.445,"end":341.945,"sentiment":"neutral","sentiment_score":0.11058645695447922},{"text":"Yes.","start":360.9,"end":361.125,"sentiment":"neutral","sentiment_score":0.05352119356393814},{"text":"Uh-huh.","start":376.325,"end":376.62,"sentiment":"neutral","sentiment_score":0.011398601345717909},{"text":"Yes.","start":399.035,"end":399.535,"sentiment":"neutral","sentiment_score":0.05049577355384827}],"sentiment":"neutral","sentiment_score":0.06167334970086813,"num_words":5,"start":321.415,"end":399.535},{"sentences":[{"text":"Yes.","start":402.6,"end":403.1,"sentiment":"neutral","sentiment_score":0.25020939111709595},{"text":"Mhmm.","start":406.04,"end":406.54,"sentiment":"neutral","sentiment_score":0.19632166624069217},{"text":"Yes.","start":411.56,"end":412.06,"sentiment":"neutral","sentiment_score":0.1840277910232544},{"text":"Mhmm.","start":435.27,"end":435.77,"sentiment":"positive","sentiment_score":0.3517177999019623},{"text":"Yes.","start":438.06998,"end":438.56998,"sentiment":"neutral","sentiment_score":0.13859236240386963}],"sentiment":"neutral","sentiment_score":0.22417380213737487,"num_words":5,"start":402.6,"end":438.56998},{"sentences":[{"text":"Yes.","start":439.11,"end":439.61,"sentiment":"neutral","sentiment_score":0.14252181351184845},{"text":"Uh-huh.","start":439.99,"end":440.49,"sentiment":"neutral","sentiment_score":0.2014838308095932},{"text":"Yes.","start":453.605,"end":453.96,"sentiment":"neutral","sentiment_score":0.2620478868484497},{"text":"Yep.","start":464.91998,"end":465.41998,"sentiment":"neutral","sentiment_score":0.30742114782333374},{"text":"Mhmm.","start":477.015,"end":477.515,"sentiment":"neutral","sentiment_score":0.29356664419174194}],"sentiment":"neutral","sentiment_score":0.2414082646369934,"num_words":5,"start":439.11,"end":477.515},{"sentences":[{"text":"Yep.","start":486.47,"end":486.78998,"sentiment":"neutral","sentiment_score":0.2523043155670166},{"text":"Perfect.","start":486.78998,"end":487.28998,"sentiment":"positive","sentiment_score":0.5189809203147888},{"text":"Yep.","start":488.31,"end":488.81,"sentiment":"neutral","sentiment_score":0.17152325809001925},{"text":"Yep.","start":504.085,"end":504.42,"sentiment":"neutral","sentiment_score":-0.08554518222808838},{"text":"Yes.","start":514.5,"end":515.0,"sentiment":"neutral","sentiment_score":0.08926230669021606}],"sentiment":"neutral","sentiment_score":0.18930512368679048,"num_words":5,"start":486.47,"end":515.0},{"sentences":[{"text":"Mhmm.","start":517.7,"end":518.115,"sentiment":"neutral","sentiment_score":-0.02163241058588028},{"text":"Yes.","start":520.995,"end":521.495,"sentiment":"neutral","sentiment_score":0.05304258316755295},{"text":"Mhmm.","start":529.475,"end":529.975,"sentiment":"neutral","sentiment_score":0.07706190645694733},{"text":"Yes.","start":558.8,"end":559.3,"sentiment":"neutral","sentiment_score":0.13699889183044434},{"text":"At how you?","start":581.60504,"end":582.505,"sentiment":"neutral","sentiment_score":0.05801324173808098}],"sentiment":"neutral","sentiment_score":0.059930099440472465,"num_words":7,"start":517.7,"end":582.505},{"sentences":[{"text":"Yep.","start":586.38995,"end":586.88995,"sentiment":"neutral","sentiment_score":0.06687167286872864},{"text":"No.","start":622.86,"end":623.36,"sentiment":"neutral","sentiment_score":-0.11394692957401276},{"text":"Yes.","start":629.275,"end":629.775,"sentiment":"neutral","sentiment_score":-0.020083677023649216},{"text":"Yes.","start":632.395,"end":632.895,"sentiment":"neutral","sentiment_score":-0.0479431115090847},{"text":"Mhmm.","start":639.03503,"end":639.48,"sentiment":"neutral","sentiment_score":0.0015696985647082329}],"sentiment":"neutral","sentiment_score":-0.02270646933466196,"num_words":5,"start":586.38995,"end":639.48},{"sentences":[{"text":"Mhmm.","start":649.39996,"end":649.89996,"sentiment":"neutral","sentiment_score":0.035461246967315674},{"text":"Yes.","start":658.455,"end":658.955,"sentiment":"neutral","sentiment_score":-0.1205637753009796},{"text":"Mhmm.","start":667.26996,"end":667.76996,"sentiment":"neutral","sentiment_score":-0.11349093914031982},{"text":"Yeah.","start":690.085,"end":690.405,"sentiment":"neutral","sentiment_score":-0.14634931087493896},{"text":"I guess everything's a risk really, isn't it, whether it goes into that or something else?","start":690.405,"end":694.53,"sentiment":"neutral","sentiment_score":-0.23579959105700254}],"sentiment":"neutral","sentiment_score":-0.20588681176304818,"num_words":20,"start":649.39996,"end":694.53},{"sentences":[{"text":"Mhmm.","start":703.17004,"end":703.67004,"sentiment":"neutral","sentiment_score":-0.05216465890407562},{"text":"Mhmm.","start":740.97504,"end":741.47504,"sentiment":"neutral","sentiment_score":-0.08215812593698502},{"text":"Yeah.","start":775.54,"end":776.04,"sentiment":"neutral","sentiment_score":0.09640780836343764},{"text":"Hard, isn't it?","start":784.1,"end":785.16,"sentiment":"neutral","sentiment_score":0.0057245710243781405},{"text":"That's okay.","start":809.705,"end":822.685,"sentiment":"neutral","sentiment_score":-0.05611184611916543}],"sentiment":"neutral","sentiment_score":-0.01662061945535243,"num_words":8,"start":703.17004,"end":822.685},{"sentences":[{"text":"Oh, no.","start":823.065,"end":823.545,"sentiment":"neutral","sentiment_score":-0.08596263825893402},{"text":"Yeah.","start":823.545,"end":823.945,"sentiment":"neutral","sentiment_score":-0.05988773703575134},{"text":"Not till next week, is it?","start":823.945,"end":825.09,"sentiment":"neutral","sentiment_score":-0.09035946428775787},{"text":"Or the week after.","start":826.05005,"end":827.11005,"sentiment":"neutral","sentiment_score":-0.06723191868513823},{"text":"Next week.","start":828.85004,"end":829.49005,"sentiment":"neutral","sentiment_score":-0.03829609043896198}],"sentiment":"neutral","sentiment_score":-0.07463264365990957,"num_words":15,"start":823.065,"end":829.49005},{"sentences":[{"text":"Yeah.","start":829.49005,"end":829.99005,"sentiment":"neutral","sentiment_score":-0.06485234946012497},{"text":"Yeah.","start":840.37006,"end":840.87006,"sentiment":"neutral","sentiment_score":-0.05185239017009735},{"text":"Mhmm.","start":856.245,"end":856.65,"sentiment":"neutral","sentiment_score":0.017499692738056183},{"text":"Yes.","start":906.815,"end":907.315,"sentiment":"neutral","sentiment_score":0.21698275208473208},{"text":"Yes.","start":909.29504,"end":909.57,"sentiment":"neutral","sentiment_score":0.3196142315864563}],"sentiment":"neutral","sentiment_score":0.08747838735580445,"num_words":5,"start":829.49005,"end":909.57},{"sentences":[{"text":"Yes.","start":924.69,"end":925.155,"sentiment":"neutral","sentiment_score":0.01671207882463932},{"text":"Yes.","start":953.425,"end":953.925,"sentiment":"neutral","sentiment_score":0.043397560715675354},{"text":"I still have a cost concern there, maybe.","start":967.92,"end":970.26,"sentiment":"neutral","sentiment_score":-0.1730966791510582},{"text":"That Okay.","start":973.76,"end":984.305,"sentiment":"neutral","sentiment_score":0.01881791278719902},{"text":"Yeah.","start":984.305,"end":984.805,"sentiment":"neutral","sentiment_score":0.022610904648900032}],"sentiment":"neutral","sentiment_score":-0.09726285103421944,"num_words":13,"start":924.69,"end":984.805},{"sentences":[{"text":"Yeah.","start":1000.07,"end":1000.31,"sentiment":"neutral","sentiment_score":0.029994897544384003},{"text":"Maybe.","start":1000.31,"end":1000.81,"sentiment":"neutral","sentiment_score":0.032086413353681564},{"text":"Yeah.","start":1000.87,"end":1001.205,"sentiment":"neutral","sentiment_score":0.03522103279829025},{"text":"Yeah.","start":1002.885,"end":1003.385,"sentiment":"neutral","sentiment_score":0.0716194361448288},{"text":"Yep.","start":1009.84503,"end":1010.34503,"sentiment":"neutral","sentiment_score":0.05809012055397034}],"sentiment":"neutral","sentiment_score":0.04540238007903099,"num_words":5,"start":1000.07,"end":1010.34503},{"sentences":[{"text":"Mhmm.","start":1046.08,"end":1046.58,"sentiment":"neutral","sentiment_score":0.0049419887363910675},{"text":"So I've actually put my personal money into.","start":1064.895,"end":1067.54,"sentiment":"neutral","sentiment_score":-0.018115813145413995},{"text":"Nothing really, to be honest.","start":1084.255,"end":1085.795,"sentiment":"neutral","sentiment_score":-0.10199905037879944},{"text":"Oh, yeah.","start":1089.535,"end":1089.935,"sentiment":"neutral","sentiment_score":-0.013875177130103111},{"text":"Well, yeah.","start":1089.935,"end":1090.575,"sentiment":"neutral","sentiment_score":-0.02349530067294836}],"sentiment":"neutral","sentiment_score":-0.04026226244039006,"num_words":18,"start":1046.08,"end":1090.575},{"sentences":[{"text":"Because yeah.","start":1090.575,"end":1091.135,"sentiment":"neutral","sentiment_score":-0.028936399146914482},{"text":"That might be yeah.","start":1091.135,"end":1097.4,"sentiment":"neutral","sentiment_score":0.002665158361196518},{"text":"Probably '79.","start":1117.865,"end":1119.15,"sentiment":"neutral","sentiment_score":-0.004858246888034046},{"text":"Mhmm.","start":1129.9501,"end":1130.4501,"sentiment":"neutral","sentiment_score":-0.06862613558769226},{"text":"I'm probably moderate.","start":1146.25,"end":1147.23,"sentiment":"neutral","sentiment_score":-0.015189473827679953}],"sentiment":"neutral","sentiment_score":-0.014260267974653592,"num_words":12,"start":1090.575,"end":1147.23},{"sentences":[{"text":"Yeah.","start":1149.21,"end":1149.71,"sentiment":"neutral","sentiment_score":0.18967486917972565},{"text":"I don't know the answer to that one.","start":1186.605,"end":1188.465,"sentiment":"neutral","sentiment_score":-0.19466262869536877},{"text":"I don't know.","start":1191.725,"end":1192.625,"sentiment":"neutral","sentiment_score":-0.13231780380010605},{"text":"Yeah.","start":1198.2051,"end":1198.7051,"sentiment":"neutral","sentiment_score":-0.07672412693500519},{"text":"Red.","start":1199.245,"end":1199.745,"sentiment":"neutral","sentiment_score":-0.1107204332947731}],"sentiment":"neutral","sentiment_score":-0.13943029514380864,"num_words":14,"start":1149.21,"end":1199.745},{"sentences":[{"text":"Yes.","start":1202.27,"end":1202.77,"sentiment":"neutral","sentiment_score":-0.08799658715724945},{"text":"Probably ring you and ask you your advice what we should do.","start":1223.725,"end":1226.46,"sentiment":"neutral","sentiment_score":-0.13994394056499004},{"text":"Yes.","start":1232.38,"end":1232.88,"sentiment":"neutral","sentiment_score":-0.011120295152068138},{"text":"Yes.","start":1239.6599,"end":1240.1599,"sentiment":"neutral","sentiment_score":0.03044398687779903},{"text":"Exasius.","start":1242.345,"end":1242.845,"sentiment":"neutral","sentiment_score":0.012193337082862854}],"sentiment":"neutral","sentiment_score":-0.10848792782053351,"num_words":16,"start":1202.27,"end":1242.845},{"sentences":[{"text":"The highest.","start":1270.005,"end":1270.665,"sentiment":"neutral","sentiment_score":0.11307279020547867},{"text":"Was it concerned?","start":1307.275,"end":1308.655,"sentiment":"neutral","sentiment_score":-0.1353954871495565},{"text":"Taking advice?","start":1308.795,"end":1309.515,"sentiment":"neutral","sentiment_score":-0.169521726667881},{"text":"Was that right?","start":1309.515,"end":1310.31,"sentiment":"neutral","sentiment_score":-0.09404345353444417},{"text":"Would you say?","start":1310.39,"end":1311.2101,"sentiment":"neutral","sentiment_score":-0.08449938396612804}],"sentiment":"neutral","sentiment_score":-0.08113175745193775,"num_words":13,"start":1270.005,"end":1311.2101},{"sentences":[{"text":"Oh, no.","start":1317.4701,"end":1324.39,"sentiment":"neutral","sentiment_score":-0.10731551051139832},{"text":"I'd just be concerned.","start":1324.39,"end":1325.3701,"sentiment":"neutral","sentiment_score":-0.15566715225577354},{"text":"I mean, I'm not in the case.","start":1327.465,"end":1328.585,"sentiment":"neutral","sentiment_score":-0.04249618016183376},{"text":"They're long yeah.","start":1328.585,"end":1330.375,"sentiment":"neutral","sentiment_score":-0.04028487205505371},{"text":"I have for investment property.","start":1348.2001,"end":1350.46,"sentiment":"neutral","sentiment_score":0.01415861863642931}],"sentiment":"neutral","sentiment_score":-0.05642068638865437,"num_words":21,"start":1317.4701,"end":1350.46},{"sentences":[{"text":"Mhmm.","start":1361.875,"end":1362.375,"sentiment":"neutral","sentiment_score":0.0926629975438118},{"text":"Mhmm.","start":1362.69,"end":1363.19,"sentiment":"neutral","sentiment_score":0.05783269554376602},{"text":"Yes.","start":1370.6475,"end":1371.1475,"sentiment":"neutral","sentiment_score":0.08567216992378235},{"text":"Mhmm.","start":1385.005,"end":1385.505,"sentiment":"neutral","sentiment_score":0.02610471472144127},{"text":"Yep.","start":1386.445,"end":1386.945,"sentiment":"neutral","sentiment_score":0.08878358453512192}],"sentiment":"neutral","sentiment_score":0.07021123245358467,"num_words":5,"start":1361.875,"end":1386.945},{"sentences":[{"text":"Yeah.","start":1389.965,"end":1390.465,"sentiment":"neutral","sentiment_score":0.07368442416191101},{"text":"Yes.","start":1404.3,"end":1404.705,"sentiment":"neutral","sentiment_score":-0.02380933053791523},{"text":"Mhmm.","start":1417.265,"end":1417.71,"sentiment":"neutral","sentiment_score":0.029741663485765457},{"text":"Mhmm.","start":1423.71,"end":1424.21,"sentiment":"neutral","sentiment_score":0.1069859266281128},{"text":"Absolutely.","start":1438.9651,"end":1439.4651,"sentiment":"neutral","sentiment_score":0.2239675670862198}],"sentiment":"neutral","sentiment_score":0.08211405016481876,"num_words":5,"start":1389.965,"end":1439.4651},{"sentences":[{"text":"Yes.","start":1439.6051,"end":1440.1051,"sentiment":"neutral","sentiment_score":0.19006678462028503},{"text":"Yep.","start":1451.0599,"end":1451.5599,"sentiment":"neutral","sentiment_score":0.13254889845848083},{"text":"Yes.","start":1463.715,"end":1464.115,"sentiment":"neutral","sentiment_score":0.13887226581573486},{"text":"That's fine.","start":1464.115,"end":1464.9349,"sentiment":"neutral","sentiment_score":0.19256843626499176},{"text":"Yes.","start":1467.475,"end":1467.875,"sentiment":"neutral","sentiment_score":0.12491630017757416}],"sentiment":"neutral","sentiment_score":0.16192352026700974,"num_words":6,"start":1439.6051,"end":1467.875},{"sentences":[{"text":"Yes.","start":1467.875,"end":1468.375,"sentiment":"neutral","sentiment_score":0.09862839430570602},{"text":"No.","start":1481.89,"end":1482.21,"sentiment":"negative","sentiment_score":-0.33903414011001587},{"text":"No.","start":1482.21,"end":1482.53,"sentiment":"neutral","sentiment_score":-0.23851212859153748},{"text":"I'm so glad that you say that.","start":1482.53,"end":1484.005,"sentiment":"neutral","sentiment_score":0.14538186229765415},{"text":"Yeah.","start":1484.005,"end":1484.085,"sentiment":"neutral","sentiment_score":0.08873254805803299}],"sentiment":"neutral","sentiment_score":0.057044337249614975,"num_words":11,"start":1467.875,"end":1484.085},{"sentences":[{"text":"No.","start":1484.085,"end":1484.325,"sentiment":"neutral","sentiment_score":-0.09425809234380722},{"text":"I'm happy with that.","start":1484.325,"end":1485.0449,"sentiment":"neutral","sentiment_score":0.0030827224254608154},{"text":"That's fine.","start":1485.0449,"end":1485.865,"sentiment":"neutral","sentiment_score":0.205104298889637},{"text":"Yep.","start":1493.365,"end":1493.865,"sentiment":"neutral","sentiment_score":0.1672414988279343},{"text":"Perfect.","start":1495.605,"end":1496.1,"sentiment":"positive","sentiment_score":0.4397302865982056}],"sentiment":"neutral","sentiment_score":0.10391702006260554,"num_words":9,"start":1484.085,"end":1496.1},{"sentences":[{"text":"Mhmm.","start":1504.34,"end":1504.84,"sentiment":"neutral","sentiment_score":0.05607260391116142},{"text":"Yes.","start":1514.155,"end":1514.655,"sentiment":"neutral","sentiment_score":0.07544523477554321},{"text":"Yep.","start":1518.555,"end":1519.055,"sentiment":"neutral","sentiment_score":0.06949025392532349},{"text":"Mhmm.","start":1524.3151,"end":1524.75,"sentiment":"neutral","sentiment_score":0.04897034913301468},{"text":"Yes.","start":1530.19,"end":1530.69,"sentiment":"neutral","sentiment_score":0.08785365521907806}],"sentiment":"neutral","sentiment_score":0.06756641939282418,"num_words":5,"start":1504.34,"end":1530.69},{"sentences":[{"text":"Mhmm.","start":1542.845,"end":1543.345,"sentiment":"neutral","sentiment_score":0.04713539779186249},{"text":"Yep.","start":1545.5651,"end":1546.0651,"sentiment":"neutral","sentiment_score":0.0530460886657238},{"text":"Yep.","start":1564.7051,"end":1565.2051,"sentiment":"neutral","sentiment_score":0.0941624641418457},{"text":"I see.","start":1571.425,"end":1572.165,"sentiment":"neutral","sentiment_score":0.04201577417552471},{"text":"Oh, beautiful.","start":1575.025,"end":1575.685,"sentiment":"positive","sentiment_score":0.3539755344390869}],"sentiment":"neutral","sentiment_score":0.14090379540409362,"num_words":7,"start":1542.845,"end":1575.685},{"sentences":[{"text":"Thank you.","start":1575.745,"end":1576.485,"sentiment":"neutral","sentiment_score":0.17553749680519104},{"text":"Yep.","start":1577.505,"end":1577.94,"sentiment":"neutral","sentiment_score":0.026730304583907127},{"text":"Yep.","start":1588.82,"end":1589.32,"sentiment":"neutral","sentiment_score":0.05256439372897148},{"text":"Yep.","start":1590.115,"end":1590.615,"sentiment":"neutral","sentiment_score":0.04349672049283981},{"text":"Yep.","start":1605.3949,"end":1605.81,"sentiment":"neutral","sentiment_score":-0.008803267031908035}],"sentiment":"neutral","sentiment_score":0.07751052423069875,"num_words":6,"start":1575.745,"end":1605.81},{"sentences":[{"text":"Yep.","start":1617.7301,"end":1618.13,"sentiment":"neutral","sentiment_score":0.15970459580421448},{"text":"Perfect.","start":1618.13,"end":1618.63,"sentiment":"positive","sentiment_score":0.5274574756622314},{"text":"Yep.","start":1625.995,"end":1626.495,"sentiment":"neutral","sentiment_score":-0.021898843348026276},{"text":"Yep.","start":1626.635,"end":1627.135,"sentiment":"neutral","sentiment_score":-0.16492396593093872},{"text":"Mhmm.","start":1659.88,"end":1660.38,"sentiment":"neutral","sentiment_score":-0.008850932121276855}],"sentiment":"neutral","sentiment_score":0.09829766601324082,"num_words":5,"start":1617.7301,"end":1660.38},{"sentences":[{"text":"Yep.","start":1667.2401,"end":1667.7401,"sentiment":"neutral","sentiment_score":-0.0034482846967875957},{"text":"Okay.","start":1692.695,"end":1693.195,"sentiment":"neutral","sentiment_score":-0.0005766674876213074},{"text":"Yeah.","start":1700.375,"end":1700.875,"sentiment":"neutral","sentiment_score":0.04460367560386658},{"text":"Yes.","start":1704.535,"end":1704.87,"sentiment":"neutral","sentiment_score":0.11096631735563278},{"text":"Mhmm.","start":1720.4651,"end":1720.9651,"sentiment":"neutral","sentiment_score":-0.019782306626439095}],"sentiment":"neutral","sentiment_score":0.02635254682973027,"num_words":5,"start":1667.2401,"end":1720.9651},{"sentences":[{"text":"Okay.","start":1728.4651,"end":1728.9651,"sentiment":"neutral","sentiment_score":0.010197199881076813},{"text":"Okay.","start":1732.87,"end":1733.37,"sentiment":"neutral","sentiment_score":0.02667216956615448},{"text":"Yep.","start":1747.59,"end":1747.995,"sentiment":"neutral","sentiment_score":-0.020044630393385887},{"text":"Yep.","start":1759.195,"end":1759.595,"sentiment":"neutral","sentiment_score":-0.00782442931085825},{"text":"Perfect.","start":1759.595,"end":1760.01,"sentiment":"neutral","sentiment_score":0.09604193270206451}],"sentiment":"neutral","sentiment_score":0.021008448489010335,"num_words":5,"start":1728.4651,"end":1760.01},{"sentences":[{"text":"Yes.","start":1763.61,"end":1764.09,"sentiment":"neutral","sentiment_score":-0.026509370654821396},{"text":"Like, Mhmm.","start":1764.09,"end":1779.645,"sentiment":"neutral","sentiment_score":0.006829462014138699},{"text":"Yep.","start":1784.8,"end":1785.3,"sentiment":"neutral","sentiment_score":0.0004102163075003773},{"text":"Mhmm.","start":1795.2001,"end":1795.7001,"sentiment":"neutral","sentiment_score":-0.04988740012049675},{"text":"Mhmm.","start":1803.535,"end":1804.035,"sentiment":"neutral","sentiment_score":-0.019643673673272133}],"sentiment":"neutral","sentiment_score":-0.013661884018802084,"num_words":6,"start":1763.61,"end":1804.035},{"sentences":[{"text":"Yes.","start":1823.9501,"end":1824.225,"sentiment":"neutral","sentiment_score":0.15825089812278748},{"text":"No?","start":1842.8,"end":1843.3,"sentiment":"neutral","sentiment_score":0.0028051547706127167},{"text":"Yes.","start":1863.935,"end":1864.23,"sentiment":"neutral","sentiment_score":0.0158406812697649},{"text":"Okay.","start":1875.35,"end":1875.85,"sentiment":"neutral","sentiment_score":-0.07071074098348618},{"text":"Fair enough.","start":1881.6849,"end":1882.325,"sentiment":"neutral","sentiment_score":0.017981301993131638}],"sentiment":"neutral","sentiment_score":0.023691432860990364,"num_words":6,"start":1823.9501,"end":1882.325},{"sentences":[{"text":"Yep.","start":1882.325,"end":1882.825,"sentiment":"neutral","sentiment_score":0.037004776298999786},{"text":"Mhmm.","start":1901.54,"end":1901.925,"sentiment":"neutral","sentiment_score":-0.00720050698146224},{"text":"Okay.","start":1907.525,"end":1908.025,"sentiment":"neutral","sentiment_score":0.006288187112659216},{"text":"No.","start":1913.045,"end":1913.545,"sentiment":"neutral","sentiment_score":-0.08884793519973755},{"text":"Yes.","start":1913.765,"end":1914.265,"sentiment":"neutral","sentiment_score":0.011577428318560123}],"sentiment":"neutral","sentiment_score":-0.008235610090196133,"num_words":5,"start":1882.325,"end":1914.265},{"sentences":[{"text":"Yep.","start":1922.74,"end":1923.24,"sentiment":"neutral","sentiment_score":0.056383341550827026},{"text":"No.","start":1937.9551,"end":1938.4551,"sentiment":"neutral","sentiment_score":-0.08235625177621841},{"text":"That no.","start":1951.5,"end":1952.14,"sentiment":"neutral","sentiment_score":-0.06925816088914871},{"text":"That's fine.","start":1952.14,"end":1953.04,"sentiment":"neutral","sentiment_score":0.005927241174504161},{"text":"Mhmm.","start":1979.39,"end":1979.835,"sentiment":"neutral","sentiment_score":0.018833447247743607}],"sentiment":"neutral","sentiment_score":-0.019114471772419556,"num_words":7,"start":1922.74,"end":1979.835},{"sentences":[{"text":"Yes.","start":1984.395,"end":1984.895,"sentiment":"neutral","sentiment_score":0.11260613799095154},{"text":"Yep.","start":2000.76,"end":2001.26,"sentiment":"neutral","sentiment_score":0.05350998044013977},{"text":"Yeah.","start":2012.855,"end":2013.355,"sentiment":"neutral","sentiment_score":-0.05744432657957077},{"text":"Yep.","start":2015.495,"end":2015.995,"sentiment":"neutral","sentiment_score":0.15927918255329132},{"text":"Yes.","start":2036.805,"end":2037.305,"sentiment":"neutral","sentiment_score":0.18856734037399292}],"sentiment":"neutral","sentiment_score":0.09130366295576095,"num_words":5,"start":1984.395,"end":2037.305},{"sentences":[{"text":"Absolutely.","start":2041.365,"end":2041.865,"sentiment":"neutral","sentiment_score":0.25381848216056824},{"text":"Yes.","start":2058.45,"end":2058.795,"sentiment":"neutral","sentiment_score":-0.061073578894138336},{"text":"Yes.","start":2081.85,"end":2082.35,"sentiment":"neutral","sentiment_score":-0.08519139140844345},{"text":"Yep.","start":2085.945,"end":2086.185,"sentiment":"neutral","sentiment_score":0.09611673653125764},{"text":"Perfect.","start":2086.185,"end":2086.685,"sentiment":"neutral","sentiment_score":0.2703631520271301}],"sentiment":"neutral","sentiment_score":0.09480668008327484,"num_words":5,"start":2041.365,"end":2086.685},{"sentences":[{"text":"Mhmm.","start":2099.8801,"end":2100.3801,"sentiment":"neutral","sentiment_score":-0.010450775735080242},{"text":"Yep.","start":2106.12,"end":2106.62,"sentiment":"neutral","sentiment_score":-0.06765110790729523},{"text":"Perfect.","start":2112.855,"end":2113.355,"sentiment":"neutral","sentiment_score":0.28151369094848633},{"text":"No.","start":2117.095,"end":2117.335,"sentiment":"neutral","sentiment_score":-0.005442219786345959},{"text":"But it's right.","start":2117.335,"end":2119.35,"sentiment":"neutral","sentiment_score":0.06639999896287918}],"sentiment":"neutral","sentiment_score":0.0567385120583432,"num_words":7,"start":2099.8801,"end":2119.35},{"sentences":[{"text":"Yep.","start":2125.75,"end":2126.25,"sentiment":"neutral","sentiment_score":0.047725945711135864},{"text":"Yep.","start":2134.1501,"end":2134.6501,"sentiment":"neutral","sentiment_score":0.1279779076576233},{"text":"It's beautiful.","start":2137.335,"end":2138.155,"sentiment":"positive","sentiment_score":0.7990654110908508},{"text":"Mhmm.","start":2158.27,"end":2158.77,"sentiment":"neutral","sentiment_score":0.04675968736410141},{"text":"Yep.","start":2163.9849,"end":2164.4849,"sentiment":"neutral","sentiment_score":0.04204653948545456}],"sentiment":"neutral","sentiment_score":0.3104401504000028,"num_words":6,"start":2125.75,"end":2164.4849},{"sentences":[{"text":"Okay.","start":2167.185,"end":2167.685,"sentiment":"neutral","sentiment_score":0.01611580327153206},{"text":"Mhmm.","start":2173.585,"end":2174.085,"sentiment":"neutral","sentiment_score":0.04570222645998001},{"text":"Yes.","start":2186.8699,"end":2187.3699,"sentiment":"neutral","sentiment_score":0.018854539841413494},{"text":"Yes.","start":2199.7651,"end":2200.2651,"sentiment":"neutral","sentiment_score":0.0739034116268158},{"text":"Yes.","start":2201.0452,"end":2201.4,"sentiment":"neutral","sentiment_score":0.1259358525276184}],"sentiment":"neutral","sentiment_score":0.056102366745471956,"num_words":5,"start":2167.185,"end":2201.4},{"sentences":[{"text":"Absolutely.","start":2205.16,"end":2205.66,"sentiment":"neutral","sentiment_score":0.1782809942960739},{"text":"Mhmm.","start":2208.44,"end":2208.94,"sentiment":"neutral","sentiment_score":0.039957743138074875},{"text":"No.","start":2209.4,"end":2209.9,"sentiment":"neutral","sentiment_score":-0.03961454704403877},{"text":"Okay.","start":2218.5352,"end":2219.0352,"sentiment":"neutral","sentiment_score":0.0023554861545562744},{"text":"Mhmm.","start":2244.775,"end":2245.275,"sentiment":"neutral","sentiment_score":0.015623047016561031}],"sentiment":"neutral","sentiment_score":0.03932054471224546,"num_words":5,"start":2205.16,"end":2245.275},{"sentences":[{"text":"Mhmm.","start":2251.415,"end":2251.915,"sentiment":"neutral","sentiment_score":0.01261417381465435},{"text":"Mhmm.","start":2275.3252,"end":2275.8252,"sentiment":"neutral","sentiment_score":0.016185251995921135},{"text":"Mhmm.","start":2279.5,"end":2280.0,"sentiment":"neutral","sentiment_score":0.004014758858829737},{"text":"Account.","start":2295.265,"end":2295.765,"sentiment":"neutral","sentiment_score":0.23726700246334076},{"text":"Yep.","start":2302.705,"end":2303.205,"sentiment":"neutral","sentiment_score":0.1572805494070053}],"sentiment":"neutral","sentiment_score":0.08547234730795025,"num_words":5,"start":2251.415,"end":2303.205},{"sentences":[{"text":"Okay.","start":2312.1602,"end":2312.6602,"sentiment":"neutral","sentiment_score":-0.10535231977701189},{"text":"Yep.","start":2313.6,"end":2314.1,"sentiment":"neutral","sentiment_score":0.08191508799791336},{"text":"Mhmm.","start":2314.8,"end":2315.3,"sentiment":"neutral","sentiment_score":0.2739711403846741},{"text":"Yes.","start":2318.32,"end":2318.82,"sentiment":"neutral","sentiment_score":0.2047433853149414},{"text":"Absolutely.","start":2323.4148,"end":2323.9148,"sentiment":"neutral","sentiment_score":0.24272850155830383}],"sentiment":"neutral","sentiment_score":0.13960115909576415,"num_words":5,"start":2312.1602,"end":2323.9148},{"sentences":[{"text":"Yes.","start":2324.1348,"end":2324.6348,"sentiment":"neutral","sentiment_score":0.1927555799484253},{"text":"Yeah.","start":2334.055,"end":2334.48,"sentiment":"neutral","sentiment_score":0.02017231285572052},{"text":"Okay.","start":2345.04,"end":2345.54,"sentiment":"neutral","sentiment_score":0.020362377166748047},{"text":"Yes.","start":2351.6152,"end":2352.1152,"sentiment":"neutral","sentiment_score":0.04258351027965546},{"text":"Yep.","start":2352.415,"end":2352.915,"sentiment":"neutral","sentiment_score":0.032624151557683945}],"sentiment":"neutral","sentiment_score":0.06169958636164665,"num_words":5,"start":2324.1348,"end":2352.915},{"sentences":[{"text":"Mhmm.","start":2360.735,"end":2361.235,"sentiment":"neutral","sentiment_score":-0.015055753290653229},{"text":"Okay.","start":2371.09,"end":2371.59,"sentiment":"neutral","sentiment_score":-0.007112763822078705},{"text":"No.","start":2375.09,"end":2375.33,"sentiment":"neutral","sentiment_score":-0.09043750911951064},{"text":"Thank you for that.","start":2375.33,"end":2376.315,"sentiment":"neutral","sentiment_score":0.12734478525817394},{"text":"Mhmm.","start":2394.8901,"end":2395.3901,"sentiment":"neutral","sentiment_score":0.02956780232489109}],"sentiment":"neutral","sentiment_score":0.053292614640668035,"num_words":8,"start":2360.735,"end":2395.3901},{"sentences":[{"text":"I'm home.","start":2412.505,"end":2413.2449,"sentiment":"neutral","sentiment_score":0.09323028102517128},{"text":"No.","start":2420.25,"end":2420.75,"sentiment":"neutral","sentiment_score":-0.2265702337026596},{"text":"Mhmm.","start":2452.405,"end":2452.905,"sentiment":"neutral","sentiment_score":0.15048666298389435},{"text":"So we change it, like, the nominee goes to, like, a lawyer as a legal oh, okay.","start":2465.925,"end":2480.22,"sentiment":"neutral","sentiment_score":0.05087338300312266},{"text":"Mhmm.","start":2487.815,"end":2488.315,"sentiment":"neutral","sentiment_score":0.005138068459928036}],"sentiment":"neutral","sentiment_score":0.04456193503839048,"num_words":22,"start":2412.505,"end":2488.315},{"sentences":[{"text":"Oh, okay.","start":2491.1748,"end":2491.9949,"sentiment":"neutral","sentiment_score":0.04158032592386007},{"text":"Okay.","start":2551.57,"end":2552.07,"sentiment":"neutral","sentiment_score":0.11216294765472412},{"text":"Mhmm.","start":2562.9448,"end":2563.4448,"sentiment":"neutral","sentiment_score":0.031530123203992844},{"text":"Yes.","start":2568.1448,"end":2568.4648,"sentiment":"neutral","sentiment_score":0.18210294842720032},{"text":"Absolutely.","start":2568.4648,"end":2568.9648,"sentiment":"neutral","sentiment_score":0.1937890350818634}],"sentiment":"neutral","sentiment_score":0.10045761770258348,"num_words":6,"start":2491.1748,"end":2568.9648},{"sentences":[{"text":"So I can't put my kids, can I?","start":2582.56,"end":2584.5798,"sentiment":"neutral","sentiment_score":-0.08402787055820227},{"text":"Okay.","start":2592.795,"end":2593.295,"sentiment":"neutral","sentiment_score":0.00507267564535141},{"text":"So yep.","start":2593.355,"end":2600.04,"sentiment":"neutral","sentiment_score":-0.03205840848386288},{"text":"So I've got my dad's old.","start":2617.675,"end":2619.035,"sentiment":"neutral","sentiment_score":-0.1364243390659491},{"text":"I'm trying to put him down for the time being.","start":2619.035,"end":2620.975,"sentiment":"neutral","sentiment_score":-0.16435238867998123}],"sentiment":"neutral","sentiment_score":-0.11827174174012961,"num_words":27,"start":2582.56,"end":2620.975},{"sentences":[{"text":"So I just put my dad down for the time being or yeah.","start":2623.435,"end":2629.615,"sentiment":"neutral","sentiment_score":-0.06218733151371662},{"text":"Oh, no.","start":2633.7002,"end":2634.1,"sentiment":"neutral","sentiment_score":-0.11802517995238304},{"text":"No.","start":2634.1,"end":2634.34,"sentiment":"neutral","sentiment_score":-0.14224332571029663},{"text":"My kids.","start":2634.34,"end":2634.9802,"sentiment":"neutral","sentiment_score":-0.1458635926246643},{"text":"Sorry.","start":2634.9802,"end":2635.2202,"sentiment":"neutral","sentiment_score":-0.11162722110748292}],"sentiment":"neutral","sentiment_score":-0.08368860008685212,"num_words":19,"start":2623.435,"end":2635.2202},{"sentences":[{"text":"Yeah.","start":2635.2202,"end":2635.54,"sentiment":"neutral","sentiment_score":-0.03891703486442566},{"text":"Sorry.","start":2635.54,"end":2636.04,"sentiment":"neutral","sentiment_score":-0.03570304065942764},{"text":"Yeah.","start":2636.9802,"end":2637.4802,"sentiment":"neutral","sentiment_score":0.04488340765237808},{"text":"Yeah.","start":2641.2202,"end":2641.7202,"sentiment":"neutral","sentiment_score":0.07230738550424576},{"text":"Mhmm.","start":2647.415,"end":2647.915,"sentiment":"neutral","sentiment_score":0.034867383539676666}],"sentiment":"neutral","sentiment_score":0.01548762023448944,"num_words":5,"start":2635.2202,"end":2647.915},{"sentences":[{"text":"Yep.","start":2659.11,"end":2659.61,"sentiment":"neutral","sentiment_score":0.0621667318046093},{"text":"Yep.","start":2659.75,"end":2660.25,"sentiment":"neutral","sentiment_score":0.05053028464317322},{"text":"Mhmm.","start":2663.1902,"end":2663.6902,"sentiment":"neutral","sentiment_score":0.017619360238313675},{"text":"Beautiful.","start":2688.3,"end":2688.8,"sentiment":"positive","sentiment_score":0.6112033128738403},{"text":"Thank you.","start":2689.1,"end":2689.84,"sentiment":"positive","sentiment_score":0.64729043841362}],"sentiment":"positive","sentiment_score":0.33935009439786273,"num_words":6,"start":2659.11,"end":2689.84},{"sentences":[{"text":"Yep.","start":2718.6501,"end":2719.1501,"sentiment":"neutral","sentiment_score":0.05691421777009964},{"text":"Yep.","start":2732.1848,"end":2732.46,"sentiment":"neutral","sentiment_score":0.002517136512324214},{"text":"Mhmm.","start":2742.46,"end":2742.6199,"sentiment":"neutral","sentiment_score":0.08813677728176117},{"text":"Yep.","start":2742.6199,"end":2743.02,"sentiment":"neutral","sentiment_score":0.23995265364646912},{"text":"Perfect.","start":2743.02,"end":2743.52,"sentiment":"positive","sentiment_score":0.6097012758255005}],"sentiment":"neutral","sentiment_score":0.19944441220723091,"num_words":5,"start":2718.6501,"end":2743.52},{"sentences":[{"text":"Mhmm.","start":2744.475,"end":2744.975,"sentiment":"neutral","sentiment_score":0.2201387882232666},{"text":"Yep.","start":2751.2324,"end":2751.7324,"sentiment":"neutral","sentiment_score":0.1989244818687439},{"text":"Perfect.","start":2758.23,"end":2758.73,"sentiment":"positive","sentiment_score":0.6127349734306335},{"text":"Yep.","start":2767.59,"end":2768.09,"sentiment":"neutral","sentiment_score":0.16866366565227509},{"text":"Okay.","start":2771.19,"end":2771.67,"sentiment":"positive","sentiment_score":0.4051078259944916}],"sentiment":"neutral","sentiment_score":0.32111394703388213,"num_words":5,"start":2744.475,"end":2771.67},{"sentences":[{"text":"Beautiful.","start":2771.67,"end":2772.17,"sentiment":"positive","sentiment_score":0.594801664352417},{"text":"Yes.","start":2773.405,"end":2773.905,"sentiment":"neutral","sentiment_score":0.10237300395965576},{"text":"Mhmm.","start":2781.4849,"end":2781.9849,"sentiment":"neutral","sentiment_score":-0.0425800159573555},{"text":"Mhmm.","start":2797.74,"end":2798.145,"sentiment":"neutral","sentiment_score":0.019860265776515007},{"text":"Okay.","start":2810.305,"end":2810.7,"sentiment":"neutral","sentiment_score":0.027761731296777725}],"sentiment":"neutral","sentiment_score":0.140443329885602,"num_words":5,"start":2771.67,"end":2810.7},{"sentences":[{"text":"Perfect.","start":2816.6199,"end":2816.8599,"sentiment":"neutral","sentiment_score":0.12361987680196762},{"text":"No.","start":2816.8599,"end":2817.3599,"sentiment":"neutral","sentiment_score":-0.08708682656288147},{"text":"Mhmm.","start":2831.0352,"end":2831.5352,"sentiment":"neutral","sentiment_score":0.01960824616253376},{"text":"Okay.","start":2852.8252,"end":2853.225,"sentiment":"neutral","sentiment_score":0.19271419942379},{"text":"Perfect.","start":2853.225,"end":2853.725,"sentiment":"neutral","sentiment_score":0.32973992824554443}],"sentiment":"neutral","sentiment_score":0.11571908481419087,"num_words":5,"start":2816.6199,"end":2853.725},{"sentences":[{"text":"Mhmm.","start":2862.2651,"end":2862.72,"sentiment":"neutral","sentiment_score":0.007277642376720905},{"text":"Yep.","start":2880.115,"end":2880.615,"sentiment":"neutral","sentiment_score":-0.04605933651328087},{"text":"Yep.","start":2880.915,"end":2881.415,"sentiment":"neutral","sentiment_score":-0.03464121371507645},{"text":"Perfect.","start":2888.675,"end":2889.175,"sentiment":"positive","sentiment_score":0.6048027873039246},{"text":"Mhmm.","start":2907.125,"end":2907.625,"sentiment":"neutral","sentiment_score":0.07054077088832855}],"sentiment":"neutral","sentiment_score":0.12038413006812335,"num_words":5,"start":2862.2651,"end":2907.625},{"sentences":[{"text":"Okay.","start":2922.1401,"end":2922.4602,"sentiment":"neutral","sentiment_score":0.12955570220947266},{"text":"Yep.","start":2922.4602,"end":2922.9602,"sentiment":"neutral","sentiment_score":0.1563490629196167},{"text":"Yes.","start":2938.075,"end":2938.575,"sentiment":"neutral","sentiment_score":0.11292999237775804},{"text":"Yep.","start":2954.2449,"end":2954.7449,"sentiment":"neutral","sentiment_score":0.07464130222797394},{"text":"Yeah.","start":2968.4849,"end":2968.92,"sentiment":"neutral","sentiment_score":0.03250592201948166}],"sentiment":"neutral","sentiment_score":0.1011963963508606,"num_words":5,"start":2922.1401,"end":2968.92},{"sentences":[{"text":"No.","start":2975.88,"end":2976.38,"sentiment":"neutral","sentiment_score":-0.12240809947252274},{"text":"None at all.","start":2976.5999,"end":2977.5798,"sentiment":"neutral","sentiment_score":-0.1305964837471644},{"text":"Yeah.","start":2981.64,"end":2981.96,"sentiment":"neutral","sentiment_score":0.09206970036029816},{"text":"Absolutely.","start":2981.96,"end":2982.46,"sentiment":"neutral","sentiment_score":0.2159172296524048},{"text":"Hello?","start":2995.275,"end":2995.59,"sentiment":"neutral","sentiment_score":0.0686364620923996}],"sentiment":"neutral","sentiment_score":-0.01965345122984477,"num_words":7,"start":2975.88,"end":2995.59},{"sentences":[{"text":"Okay.","start":3006.23,"end":3006.7102,"sentiment":"neutral","sentiment_score":0.25199538469314575},{"text":"Perfect.","start":3006.7102,"end":3007.2102,"sentiment":"positive","sentiment_score":0.41510748863220215},{"text":"Absolutely beautiful.","start":3017.605,"end":3018.665,"sentiment":"positive","sentiment_score":0.6141957640647888},{"text":"Alright.","start":3021.285,"end":3021.785,"sentiment":"neutral","sentiment_score":0.06760881841182709},{"text":"Yeah.","start":3023.62,"end":3023.86,"sentiment":"neutral","sentiment_score":0.01944894716143608}],"sentiment":"neutral","sentiment_score":0.3304253611713648,"num_words":6,"start":3006.23,"end":3023.86},{"sentences":[{"text":"These are my I'm off today and tomorrow, so I rough the days off.","start":3023.86,"end":3027.4,"sentiment":"neutral","sentiment_score":0.004136884651545968},{"text":"So I did.","start":3031.54,"end":3032.26,"sentiment":"neutral","sentiment_score":0.10786443452040355},{"text":"I'm still in bed, actually.","start":3032.26,"end":3033.78,"sentiment":"neutral","sentiment_score":0.08170820996165276},{"text":"I took a pain killer last night, so it made me a bit zoned out today.","start":3033.78,"end":3037.685,"sentiment":"negative","sentiment_score":-0.38731011003255844},{"text":"No.","start":3042.5452,"end":3042.945,"sentiment":"neutral","sentiment_score":-0.25342315435409546}],"sentiment":"neutral","sentiment_score":-0.14513677375343365,"num_words":39,"start":3023.86,"end":3042.945},{"sentences":[{"text":"No.","start":3042.945,"end":3043.1052,"sentiment":"neutral","sentiment_score":-0.29093509912490845},{"text":"No.","start":3043.1052,"end":3043.2651,"sentiment":"neutral","sentiment_score":-0.30130159854888916},{"text":"No.","start":3043.2651,"end":3043.425,"sentiment":"neutral","sentiment_score":-0.3055691719055176},{"text":"No.","start":3043.425,"end":3043.5051,"sentiment":"neutral","sentiment_score":-0.3279810845851898},{"text":"No.","start":3043.5051,"end":3043.905,"sentiment":"negative","sentiment_score":-0.3797780871391296}],"sentiment":"neutral","sentiment_score":-0.3211130082607269,"num_words":5,"start":3042.945,"end":3043.905},{"sentences":[{"text":"I'm just lazy today.","start":3043.905,"end":3045.2852,"sentiment":"negative","sentiment_score":-0.450079120695591},{"text":"Beautiful.","start":3055.12,"end":3055.52,"sentiment":"positive","sentiment_score":0.7366647124290466},{"text":"Thank you so much for doing that.","start":3055.52,"end":3056.96,"sentiment":"positive","sentiment_score":0.8480714048658099},{"text":"It's greatly appreciated.","start":3056.96,"end":3058.02,"sentiment":"positive","sentiment_score":0.8554795980453491},{"text":"Yes.","start":3065.055,"end":3065.375,"sentiment":"positive","sentiment_score":0.44956672191619873}],"sentiment":"positive","sentiment_score":0.49305334873497486,"num_words":16,"start":3043.905,"end":3065.375},{"sentences":[{"text":"Me too.","start":3065.375,"end":3066.1948,"sentiment":"positive","sentiment_score":0.5226755291223526},{"text":"Thanks.","start":3068.6548,"end":3069.1548,"sentiment":"positive","sentiment_score":0.7035757303237915},{"text":"You too.","start":3069.375,"end":3069.855,"sentiment":"positive","sentiment_score":0.44685134291648865},{"text":"Thanks, Jenna.","start":3069.855,"end":3070.4949,"sentiment":"positive","sentiment_score":0.5817947089672089},{"text":"Bye bye.","start":3070.4949,"end":3071.2349,"sentiment":"neutral","sentiment_score":0.26413196325302124}],"sentiment":"positive","sentiment_score":0.48160920209354824,"num_words":9,"start":3065.375,"end":3071.2349},{"sentences":[{"text":"Bye.","start":3072.4148,"end":3072.9148,"sentiment":"neutral","sentiment_score":-0.11115174740552902}],"sentiment":"neutral","sentiment_score":-0.11115174740552902,"num_words":1,"start":3072.4148,"end":3072.9148}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Sharon speaking.\n\nChannel 0: Good morning, Sharon. It's Jenna here from Oakview Financial. How are you?\n\nChannel 1: I'm well. How are you?\n\nChannel 0: I'm good. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Thank you. And, Sharon, can I please ask you to confirm your full name, date of birth, and address?\n\nChannel 1: At Sherry Anne Russat, twenty five nine sixty nine, and it's 220735 Burdette Street, Albion.\n\nChannel 0: Thank you for confirming that. How are you doing today?\n\nChannel 1: Yeah. Not too\n\nChannel 0: Yeah. How did the return to work go?\n\nChannel 1: bad. I'm only back two days a week. I'm sorry. Two days on, two days off.\n\nChannel 0: Yes. And did\n\nChannel 1: Yep.\n\nChannel 0: you manage that okay and the specialist happy with it?\n\nChannel 1: Well, he's said I should be off for, like, you know, another two weeks, but I pushed to go back so I needed the money.\n\nChannel 0: Yes. Yep.\n\nChannel 1: So I just have to, you know, because ankles twirls at the end of every shift that, you know, you gotta do what you gotta do.\n\nChannel 0: Yeah. And better better you do you manage to get the swelling down and and get it comfortable again once you get home?\n\nChannel 1: Yeah. Once you get hard, like, COVID died, it probably goes down. I need to do it again the next day, but that's fine.\n\nChannel 0: Yeah. But are are you managing it okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay. Well, that that's good to hear because I know our last couple of conversations has been very take toll taking on you because of\n\nChannel 1: Yeah.\n\nChannel 0: everything that you've been going through. So I just wanted to check and make sure that you're doing okay now.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Yeah. You are you feeling a bit better?\n\nChannel 1: I am. Yes.\n\nChannel 0: Oh, good. I'm so\n\nChannel 1: Mhmm.\n\nChannel 0: I'm so pleased to hear that.\n\nChannel 1: Thank you.\n\nChannel 0: Okay. Well, the purpose of my call today was just to have a quick chat and a check-in to go through a document that I sent you a little earlier. I don't know if you've seen that pop up on your email, but it's a statement of advice. So it's just it's to go through those changes that we talked about on the phone in our last meetings, particularly\n\nChannel 1: Uh-huh.\n\nChannel 0: your in your review. Do you have some time to go through that now?\n\nChannel 1: I do. I'm just trying to pick up that document.\n\nChannel 0: It woulda. It may come from Jenna Wheeler or Odoo sign.\n\nChannel 1: Let's have a look in here. Oh. Oh, yep. That I've got a sign. Yep.\n\nOkay. I've just got that. Yep.\n\nChannel 0: Yeah. Okay. So same process as before. You're not signing anything right now. We're just gonna talk through it.\n\nSo if you open that up, we I will talk through the lovely document that is in front of you. So have\n\nChannel 1: Mhmm.\n\nChannel 0: you got that opened?\n\nChannel 1: I'm just going to try now.\n\nChannel 0: You just let me know when you've got that opened and when\n\nChannel 1: Yes.\n\nChannel 0: you're\n\nChannel 1: I've got open. Yep.\n\nChannel 0: ready. Beautiful. Thank you. So the first page would be a stay it's a cover page saying it's your statement of advice.\n\nChannel 1: Perfect. Yes.\n\nChannel 0: It explains that I'm the one providing advice to you, what my authorized representative number is, and who I work for, which is Oakview Financial.\n\nChannel 1: Mhmm.\n\nChannel 0: The second page is explains what this document is and that it's valid for sixty days. The reason why we have a time frame on how long the document is valid for is to make sure that if it goes outside of that time frame, sometimes people's situations can change quite quickly and that we just need to review any information before the advice is proceeded with again. So, typically, we just follow the same process all over\n\nChannel 1: Yes.\n\nChannel 0: again. The it outlines here also our best interest duty. So this is to make sure that it's a legislative standard to make sure that we act in our client's best best interests at all times so we identify your financial situations and needs for the individual to you.\n\nChannel 1: Mhmm.\n\nChannel 0: Any advice is specific again to you based on your individual circumstances, and then assess and consider whether any advice is provide is required in relation to strategy or product.\n\nChannel 1: I called.\n\nChannel 0: And it all has to be in your best interest.\n\nChannel 1: Yes.\n\nChannel 0: The next page is a table of contents, and then the following page is our scope of advice. So this is what so scope of advice is considered is what I'm gonna talk to in this document.\n\nChannel 1: Yep.\n\nChannel 0: So the review of your superannuation is to look at q super hub 24, ensure super superannuation balances are combined as much as possible without impacting or you losing your existing insurance within q super,\n\nChannel 1: Yep.\n\nChannel 0: and a recommendation that you establish a will and power of attorney attorney. Attorney. Sorry. Oh, gosh. And review any beneficiary nominations in super.\n\nSo that one's specifically for q super because we noted that you didn't have any in q super.\n\nChannel 1: Yes.\n\nChannel 0: The next page is your scope of advice limited scope. So we did talk about you wanting to review whether you can amend the waiting period on your existing default q super insurance for your income. So I've\n\nChannel 1: Uh-huh.\n\nChannel 0: had a little bit of a look into that and provided some general information in this document for you as well. And then the following page is scope of advice not considered. So this is the repayment of the debt. What we talked about in our last review is that we would revisit this in September 2027 once the\n\nChannel 1: Yes.\n\nChannel 0: lease is con the lease concludes on your car.\n\nChannel 1: Yes.\n\nChannel 0: It's gonna free up some cash flow for\n\nChannel 1: Mhmm.\n\nChannel 0: you, but also noting you'll have to get a loan to fund the balloon payment. So\n\nChannel 1: Yes.\n\nChannel 0: at that point in time, we talked about looking at our repayment an accelerated repayment plan basically with the surplus cash flow to get you ahead of that debt so you can retire debt free and then look at building your superannuation. So you can hopefully retire at age 65, which is your your actual\n\nChannel 1: Mhmm.\n\nChannel 0: goal. Does that sound correct? Do I have all\n\nChannel 1: Yes.\n\nChannel 0: that right?\n\nChannel 1: Yes. Uh-huh.\n\nChannel 0: Fantastic. Because I do know in our last conversation, you said 65 was your retirement goal, but you thought that you may have to work till 75.\n\nChannel 1: Yes.\n\nChannel 0: Part of my role is to get you to next year. Let's look at the debt repayment, get that done to save you some interest,\n\nChannel 1: Yep.\n\nChannel 0: and then look at your retirement. But there is some there is a document, I believe, a table later in here that can give you a look at what retirement looks like even now based on your current super. So we can\n\nChannel 1: Mhmm.\n\nChannel 0: go through that, and it can give you a bit of an idea that you are on track. There are probably just a few little things we need to do once we've got that debt under control.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: The next page is a limit advice. This is just a general warning saying that if any information has been disclosed to us incorrectly or is wrong, it could affect the the advice. Letting you know that I'm not a lawyer, so I can't draft wills or\n\nChannel 1: Yep.\n\nChannel 0: provide specific advice in that regard. I can only say you should definitely do it. And that I am avail I am able to provide\n\nChannel 1: Yes.\n\nChannel 0: tax advice in relation to financial planning,\n\nChannel 1: Mhmm.\n\nChannel 0: but I'm not a tax a a tax agent.\n\nChannel 1: Yes.\n\nChannel 0: The next couple of pages is the about you section. So this is the information we confirmed in our recent review\n\nChannel 1: Mhmm.\n\nChannel 0: And then your lifestyle and assets, your current super, so it's spread across hub twenty four and q super, and your current policies within q super. The following page is your risk profile. So I just wanted to touch on this quickly because I do know and I recall from our previous conversations, I just wanna make sure that you are absolutely comfortable with it because there was a lot going on.\n\nChannel 1: Yes.\n\nChannel 0: Grow a growth risk profile. So in our our previous conversation, you prob there was obviously a lot going on for you, and you were not able to answer some of the questions. So I just wanna make sure that you understand a growth risk profile and that you are 100% comfortable with it. So\n\nChannel 1: At\n\nChannel 0: I'm\n\nChannel 1: how\n\nChannel 0: just gonna\n\nChannel 1: you?\n\nChannel 0: spend a minute or two explaining a grow a growth risk profile to you.\n\nChannel 1: Yep.\n\nChannel 0: So what a gross risk profile is is that, typically, you would see about 80% of your assets allocated to growth, which is international and Australian shares and some property exposure. So some listed property with the remaining estimated 20% allocated to items like fixed interest and cash. So they're more the income producing parts of your of your balance, whereas the growth is the part that experiences the most volatility. So\n\nChannel 1: No.\n\nChannel 0: if you recall, I we went through a Vanguard, that lovely chart that shows\n\nChannel 1: Yes.\n\nChannel 0: the ups and downs of the market. So\n\nChannel 1: Yes.\n\nChannel 0: those extremely volatile ones are is where 80% of your funds sit.\n\nChannel 1: Mhmm.\n\nChannel 0: What we say is that for a gross risk profile, you should be invested in that type of profile for a minimum of six years, what\n\nChannel 1: Mhmm.\n\nChannel 0: that does is it allows you to statistically withstand the market fluctuations and variations that we see. And\n\nChannel 1: Yes.\n\nChannel 0: then the likelihood of having a negative return in a gross portfolio is approximately one in every five years due to that volatility.\n\nChannel 1: Mhmm.\n\nChannel 0: So I think what I just wanna confirm is that you are you are comfortable with that. Do you understand? Do you have any questions? Provide further anxiety or worry.\n\nChannel 1: Yeah. I guess everything's a risk really, isn't it, whether it goes into that or something else?\n\nChannel 0: Yeah. So the the alternative I'll give you the alternative is is a balanced growth. So that's the one below it.\n\nChannel 1: Mhmm.\n\nChannel 0: And, typically, it would be a seventy thirty split. So that would be 70% growth, 30% defensive. This one is more a a minimum of a five year time frame investment with a likelihood of a negative return in one in every six years. The variance of expected volatility is plus or minus 8%, whereas the variance for a growth for volatility is plus or minus 11%. So there is a bit of a gap there.\n\nThere's about a 3% gap,\n\nChannel 1: Mhmm.\n\nChannel 0: and you've got a 10 less exposure to growth assets and a 10% more exposure to defensive assets. So what yeah. I just need to confirm that you're happy with the growth or that you wanna look at taking a little bit less risk. Your time frame for retirement sits with easily within both of those. It's just what you're comfortable with.\n\nChannel 1: Yeah. Hard, isn't it?\n\nChannel 0: So what let me see. Going to see if my computer wants to participate with me today. I am looking.\n\nChannel 1: That's\n\nChannel 0: Sorry. One second, Sharon. It won't be a moment. Oh, it's your birthday soon.\n\nChannel 1: okay. Oh, no. Yeah. Not till next week, is it? Or the week after.\n\nChannel 0: Yes. Yeah. Next week, it\n\nChannel 1: Next\n\nChannel 0: looks\n\nChannel 1: week. Yeah.\n\nChannel 0: like. So you'll be turning 57. So if you retire at 65, that's eight years away.\n\nChannel 1: Yeah.\n\nChannel 0: So that's probably something to consider when thinking about comfort levels with the gross being a time frame of a minimum of six years and a balance gross being a minimum of five years. And\n\nChannel 1: Mhmm.\n\nChannel 0: the question, I think, probably that you need to ask yourself would be, do you are you comfortable with a six year or five year allocation to some growth assets to review after that time or as, you know, a retirement approaches. And because what happens is is as we as clients approach retirement, we do look at limiting and minimizing not minimizing. We do reduce exposure to growth assets and allocate some more to income because what happens in retirement is that we need income producing assets to produce that income for you without selling our growth assets that keeps\n\nChannel 1: Yes.\n\nChannel 0: your portfolio growing.\n\nChannel 1: Yes.\n\nChannel 0: So there's strategies as retirement approaches that we look at to make sure that you're invested correctly and in line with your time frame and and and more more importantly, your goals.\n\nChannel 1: Yes.\n\nChannel 0: So it's it's really a comfort a comfort thing. So when I speak to clients, my my advice is it needs to pass the sleep at night test. If it continued to be invested as it is, are you confident and comfortable with that? Are you so at the moment, the market's going through a little bit of an up and down.\n\nChannel 1: Yes.\n\nChannel 0: Can you sit through that and be confident that you have time on your side, or does that give you a little bit pause for concern?\n\nChannel 1: I still have a cost concern there, maybe.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: That\n\nChannel 0: We can come back to it if you want some time to think about it. I'll go through the rest of the document.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: And because it's a lot to it's a lot to to think about. What I also can do is just complete that risk profile again and give you my recommendation if you like.\n\nChannel 1: Yeah. Maybe. Yeah.\n\nChannel 0: Yeah? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Let's go through that risk profile for you, Sharon. It won't be a second. I'm just gonna jump in and open that up.\n\nChannel 1: Yep.\n\nChannel 0: So these the questions that we we talked through last time. And so you probably will have a a it will it you will probably recall them. There's about seven questions. No right or wrong answer, just what your your answer is. So\n\nChannel 1: Mhmm.\n\nChannel 0: what is the most aggressive investment you've ever made? Direct shares, managed funds, investment property, own home, or a bank account?\n\nChannel 1: So I've actually put my personal money into.\n\nChannel 0: Yeah. Anything that you've invested into.\n\nChannel 1: Nothing really, to be honest.\n\nChannel 0: So a bank account, would that be\n\nChannel 1: Oh, yeah. Well, yeah. Because yeah. That might\n\nChannel 0: yep. Okay. Oh, make sure I'm on the right sheet there.\n\nChannel 1: be yeah.\n\nChannel 0: Filling in the right section. Once your investments have been placed, so this is we're referring to your superannuation now, how long would it be before you need to access the capital? Longer than ten years, between seven to nine, between '4 to six, or between '2 to three, or less than two?\n\nChannel 1: Probably '79.\n\nChannel 0: Yep. Fantastic. So the next question is inflation means things are getting more expensive over time, making our money worth less. How\n\nChannel 1: Mhmm.\n\nChannel 0: much risk are you willing to take to keep up with rising prices? Would you be willing to accept a very high risk, willing to accept high risk, a moderate risk, a small amount of risk, or none?\n\nChannel 1: I'm probably moderate.\n\nChannel 0: Moderate? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. And the next question is, in months' time, how would you feel if you found out your portfolio decreased by 20% due to trends in the financial market? So if you think of that Vanguard chart, would you, number one, invest heavily for growth, invest modestly for growth, hold and weight improvement, shift your assets to defensive ones to minimize losses, or would you convert to cash?\n\nChannel 1: I don't know the answer to that one.\n\nChannel 0: Yeah. So if your\n\nChannel 1: I don't\n\nChannel 0: portfolio\n\nChannel 1: know.\n\nChannel 0: decreased 20% today, what would you do?\n\nChannel 1: Yeah. Red.\n\nChannel 0: Sorry?\n\nChannel 1: Yes.\n\nChannel 0: Stress. Yeah. Yeah. I think we all probably would. But would would you would you ring me and say, what would we do?\n\nWhat should I do? Or would you ring and say, I wanna move or I wanna sell all my growth assets and put it in defensive assets or put it all in cash? What do you think you would do?\n\nChannel 1: Probably ring you and ask you your advice what we should do.\n\nChannel 0: Yes. Okay. My advice would be hold\n\nChannel 1: Yes.\n\nChannel 0: because the reason being is that we don't wanna sell our growth assets at a loss.\n\nChannel 1: Yes.\n\nChannel 0: Does that make sense?\n\nChannel 1: Exasius.\n\nChannel 0: Okay. The next question is what kind of return do you expect to get from your investments over the long term? 8% above, six to 8%, four to six, or two to 4%. It's there's no right or wrong answer. It's just what you would like.\n\nChannel 1: The highest.\n\nChannel 0: Yep. That's fine. Then so the next question is, have your investments, including your superannuation ever dropped in value? And if yes, how did it make you feel? Optimistic about the future investments, cautious with no further investments planned, concerned, highly anxious and seeking advice, or seeking to maintain losses.\n\nChannel 1: Was it concerned? Taking advice? Was that right? Would you say?\n\nChannel 0: So that yes. So that's two separate ones. So it's concerned or highly anxious and seeking advice.\n\nChannel 1: Oh,\n\nChannel 0: So you could be concerned and seeking advice, or would you be highly anxious and seeking advice?\n\nChannel 1: no. I'd just be concerned.\n\nChannel 0: Yep. Okay.\n\nChannel 1: I mean, I'm not\n\nChannel 0: And\n\nChannel 1: in the case. They're long yeah.\n\nChannel 0: yeah. That's okay. And the last one is, have you ever thought about taking out a loan to invest to borrow for shares or an investment property or only for your principal place of residence?\n\nChannel 1: I have for investment\n\nChannel 0: Yep.\n\nChannel 1: property.\n\nChannel 0: Yep. Okay. Fantastic. Alright. So you came out as a moderate investor.\n\nSo that is the one below growth,\n\nChannel 1: Mhmm.\n\nChannel 0: which is\n\nChannel 1: Mhmm.\n\nChannel 0: the 70 to 30% allocation. My advice\n\nChannel 1: Yes.\n\nChannel 0: as an adviser is to maintain your current risk profile being a growth. It is a difference of a 10% allocation to growth assets. So instead of 70%, it would be\n\nChannel 1: Mhmm.\n\nChannel 0: 80%.\n\nChannel 1: Yep.\n\nChannel 0: You do have the time on your side\n\nChannel 1: Yeah.\n\nChannel 0: to withstand the market fluctuations. And the and the benefit is is that at our regular reviews, we revisit this conversation every single time. So it's not\n\nChannel 1: Yes.\n\nChannel 0: something that we're gonna set and forget. You have been in a gross portfolio for quite some time. Your q super is also invest in a gross portfolio, probably\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit higher than the the hub twenty four one. So I\n\nChannel 1: Mhmm.\n\nChannel 0: think your your my opinion is that you'll adapt to fluctuation, market fluctuation, that having somebody to talk these things through is extremely beneficial for you.\n\nChannel 1: Absolutely. Yes.\n\nChannel 0: So my recommendation is to maintain a growth portfolio solely because it's gonna give you that opportunity to continue growing your retirement savings\n\nChannel 1: Yep.\n\nChannel 0: whilst taking a slightly higher approach to growth assets compared to a moderate profile of 10%.\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Are you comfortable with\n\nChannel 1: Yes. Yes.\n\nChannel 0: that? Okay. Alright. I just needed to make sure because I I don't want to recommend something that you're not fully aware of or comfortable with?\n\nChannel 1: No.\n\nChannel 0: Yeah.\n\nChannel 1: No. I'm so glad that you say that. Yeah. No. I'm happy with that.\n\nThat's fine.\n\nChannel 0: Okay. Alright. That's fantastic. Good. Good.\n\nAnd we'll revisit this conversation every year\n\nChannel 1: Yep.\n\nChannel 0: anyhow.\n\nChannel 1: Perfect.\n\nChannel 0: The next dot pages are the strategy recommendations. So this is where I'm looking at your superannuation. So I\n\nChannel 1: Mhmm.\n\nChannel 0: have recommended that you retain Hub and q super. What we're gonna do is roll over the majority of your q super, leaving\n\nChannel 1: Yes.\n\nChannel 0: a $10,000 balance so your insurances remain in force\n\nChannel 1: Yep.\n\nChannel 0: and the difference being rolled to hub twenty four and invested in hub twenty four.\n\nChannel 1: Mhmm.\n\nChannel 0: Leaving the 10,000 means that you keep your superannuation. You also\n\nChannel 1: Yes.\n\nChannel 0: have your super guarantee contributions going into q super, which there's two folds of protection there to ensure that your insurances don't lapse for any reason. But I wanna\n\nChannel 1: Mhmm.\n\nChannel 0: put in place an extra step to\n\nChannel 1: Yep.\n\nChannel 0: complete an opt in form with q super. So if if, for example, your balance falls below $10,000 because the market drops, for example, or your super guarantee hasn't been paid there for sixteen months, this opt\n\nChannel 1: Yep.\n\nChannel 0: in form protects your insurance from ever being canceled. So I just wanna go\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: see.\n\nChannel 0: one step extra and make sure that form's signed so\n\nChannel 1: Oh,\n\nChannel 0: that\n\nChannel 1: beautiful.\n\nChannel 0: it can\n\nChannel 1: Thank\n\nChannel 0: never\n\nChannel 1: you.\n\nChannel 0: be canceled.\n\nChannel 1: Yep.\n\nChannel 0: So the the re the then we go into the best interest duty. So this explains why I've made those recommendations,\n\nChannel 1: Yep.\n\nChannel 0: which is maintaining\n\nChannel 1: Yep.\n\nChannel 0: the q super so your insurance remains in place. The I've also recommended that every year at our reviews, we will do a rollover from q super to hub 24, and it\n\nChannel 1: Yep.\n\nChannel 0: won't be in this document this size of document every year. It'll be in something called a record of advice because I'm covering it off in this document. So we can just do it every year for you without having to go through this large document.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Perfect.\n\nChannel 0: we won't get to the situation where it is missed like it had been last year\n\nChannel 1: Yep.\n\nChannel 0: because\n\nChannel 1: Yep.\n\nChannel 0: we don't want that to happen. The hub 24 the reason I did consider maintaining q super and having all your funds in q super, the reason that I did not do that is because I did not recommend that. It's because industry funds are fantastic when building wealth. As we get closer to retirement, they invest in assets called unlisted assets.\n\nChannel 1: Mhmm.\n\nChannel 0: So that could be so things that aren't listed on the ASX, for example.\n\nChannel 1: Yep.\n\nChannel 0: And what that what can be a result of that is if you recall the GFC, one of the most popular ones was impacted impacted the property market so heavily.\n\nChannel 1: Okay.\n\nChannel 0: When clients get closer to retirement, liquidity is an extremely important factor\n\nChannel 1: Yeah.\n\nChannel 0: because clients need access to their funds to retire. So\n\nChannel 1: Yes.\n\nChannel 0: I've always operated in the sense that whilst building wealth and in your early stages of your career, industry funds are a fantastic opportunity low fees. As\n\nChannel 1: Mhmm.\n\nChannel 0: you get closer to retirement, you need funds that don't invest in those types of investments. So\n\nChannel 1: Okay.\n\nChannel 0: everything we recommend recommend is a listed asset. So that means\n\nChannel 1: Okay.\n\nChannel 0: that your funds you have access to a daily share price. In an unlisted asset, the the price might be calculated quarterly or monthly. So you don't have a live value.\n\nChannel 1: Yep.\n\nChannel 0: So that's why for my retiree clients that are approaching retirement, I tend to on the side of caution when it comes to those types of investments.\n\nChannel 1: Yep.\n\nChannel 0: So that's\n\nChannel 1: Perfect.\n\nChannel 0: why I didn't choose q\n\nChannel 1: Yes.\n\nChannel 0: super.\n\nChannel 1: Like,\n\nChannel 0: Yeah. Yep. Then so what my recommendation is is essentially that we're gonna keep 10,000 in q super to maintain your insurance, get you to sign that opt in form to make sure your insurance\n\nChannel 1: Mhmm.\n\nChannel 0: remain active, roll the surplus to hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: The the fees will increase a little bit, your administration fees, simply\n\nChannel 1: Mhmm.\n\nChannel 0: because so it says you'll pay $228 more in administration fees in hub twenty four, and that's because\n\nChannel 1: Mhmm.\n\nChannel 0: we're taking the funds out of q super and increasing them in Hub 24. So the difference between that will be $228. So it's gonna so that's the savings from QSuper and the extra that you'll pay with hub twenty four. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Okay. Fantastic. Additionally, there is no CGT exposure in the q super fund because they're gonna make a few investment switches as well. I mean, in the hub twenty four fund.\n\nSorry.\n\nChannel 1: No?\n\nChannel 0: Because, yeah, there's no capital gains tax. In q super, there could be. It is hard for us to know because of the type of fund it is. So because all the money is invested in a pooled situation, so yours is invested with everyone else in the lifetime focus,\n\nChannel 1: Yes.\n\nChannel 0: you don't have you own a share of it. You don't own the investment specifically. So an allocation of capital gains tax would be applicable to you. Typically\n\nChannel 1: Okay.\n\nChannel 0: smaller in a pooled fund, but I'm unable to actually determine what that will be.\n\nChannel 1: Fair enough. Yep.\n\nChannel 0: So in line with considering q super as well, we considered another fund like my north. The a high CGT would have been occurred through hub twenty four to do that, approximately $1,600. So that's why I discounted that.\n\nChannel 1: Mhmm.\n\nChannel 0: And, also, their investment trading fees are a little bit higher. So\n\nChannel 1: Okay.\n\nChannel 0: any questions following that? No. It's a lot to take in, isn't\n\nChannel 1: No.\n\nChannel 0: it?\n\nChannel 1: Yes.\n\nChannel 0: The fee comparison is the next page. So that's the difference in the fees that I explained to you.\n\nChannel 1: Yep.\n\nChannel 0: So that table so running your eyes over that first table, any questions there?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: That no. That's fine.\n\nChannel 0: No. And that second table below is your projected balance. So we don't do anything sick like large balance projections outside of ten years. So you'll see in five years, if you leave things currently as they are, your expected balance is 262 or 263,000 rounded up. If we go\n\nChannel 1: Mhmm.\n\nChannel 0: with the recommended, it's projected to be 306,000.\n\nChannel 1: Yes.\n\nChannel 0: But at age 65, which is in nine years' time, if we go with the recommended, you're gonna be approximately $90,000 better off. So that's based on historical returns, but\n\nChannel 1: Yep.\n\nChannel 0: also conservative as well in nature. So we're not gonna some may calculate these saying, oh, this is based on a 20% return. They're definitely not. They're they're based\n\nChannel 1: Yeah.\n\nChannel 0: on a very conservative return.\n\nChannel 1: Yep.\n\nChannel 0: The next page just shows you the annualized investment returns as of the August 31, and it's just comparing between the two. So you'll see over the long term, Hub does perform better. Well, the portfolio that we've created in Hub does perform better than q super\n\nChannel 1: Yes.\n\nChannel 0: over the longer term, which is what we wanna see.\n\nChannel 1: Absolutely.\n\nChannel 0: The next the next one is the recommended investment. So it's a table of your superannuation with the first line being your q super. So you'll see that there's a negative figure of 76 odd thousand dollars with a remaining\n\nChannel 1: Yes.\n\nChannel 0: balance of 10. That's what we're gonna take out. And then that's gonna be spread across your existing hub twenty four account. So you'll also know, yeah, you'll also know that first one note, sorry, that first one being the panel on concentrated equities with a negative figure of $19,679.81.\n\nChannel 1: Yes.\n\nChannel 0: That's the one that we're gonna sell out of that was underperforming.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: So that one as and then it will be spread. That plus some funds coming from your superannuation in q super will be spread out across your new portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: The other ones that are negative showing in red, we're selling out of those investments to take\n\nChannel 1: Yep.\n\nChannel 0: a to invest differently in some alternative funds.\n\nChannel 1: Perfect.\n\nChannel 0: So any questions there?\n\nChannel 1: No. But it's right.\n\nChannel 0: Okay. And sorry. That table continues below. So\n\nChannel 1: Yep.\n\nChannel 0: you'll see that so that beta shares 200 is actually what we're replacing the Benelong one with.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay.\n\nChannel 1: It's beautiful.\n\nChannel 0: The next section is your asset allocation. So being a growth investor, which we've just confirmed you're happy with, this is how your funds are spread. So you'll see in the proposed column and the existing, so they're the two middle ones,\n\nChannel 1: Mhmm.\n\nChannel 0: your current allocation to Australian equities is approximately 23%. We're gonna\n\nChannel 1: Yep.\n\nChannel 0: reduce that a little bit down to 20%.\n\nChannel 1: Okay.\n\nChannel 0: International equities, you're currently exposed to about 42%. We're gonna increase\n\nChannel 1: Mhmm.\n\nChannel 0: that to about 54%. And that just shows you the difference in your port your the the underlying sectors. But then if you\n\nChannel 1: Yes.\n\nChannel 0: see the growth, you have about 80 let's round it up, 85% invested in growth assets. So instead of 80, it's sitting at about 85 due to market conditions at the moment. So those figures will always change and fluctuate up and down depending on how the market's trading. Okay. So\n\nChannel 1: Yes. Yes. Absolutely. Mhmm. No.\n\nChannel 0: retirement income calculation. So this is based on your information today. So it's\n\nChannel 1: Okay.\n\nChannel 0: a very small table. So I'm just gonna zoom in. So this this is indicative of adviser fees and a consideration has been made for platform costs and investment fees. So this shows you the age pension is the blue part\n\nChannel 1: Mhmm.\n\nChannel 0: of the graph, and the green is the is your superannuation. So\n\nChannel 1: Mhmm.\n\nChannel 0: based on today's situation, your superannuation at $1,000 a week or 2,000 is your target, And this is a very basic one because we're not looking at retirement at the moment specifically. But to give you some insight, your superannuation balance on $2,000 a fortnight is gonna take you to age 91,\n\nChannel 1: Mhmm.\n\nChannel 0: and that's with a retirement date of 65. So this starts\n\nChannel 1: Mhmm.\n\nChannel 0: at 65. So you'll see that at 67, the age pension kicks in, and you don't need to draw as much from super to supplement that difference, which is why your superannuation lasts longer. So once\n\nChannel 1: Account.\n\nChannel 0: we've paid off that debt and we're able to put potentially a little bit more into super to build that for you,\n\nChannel 1: Yep.\n\nChannel 0: I do not see any reason based on today's state why you would not be able to retire at\n\nChannel 1: Okay.\n\nChannel 0: 65.\n\nChannel 1: Yep.\n\nChannel 0: Okay? So I wanted\n\nChannel 1: Mhmm.\n\nChannel 0: to give you a little bit of peace of mind there\n\nChannel 1: Yes.\n\nChannel 0: because I know that that was probably weighing on you.\n\nChannel 1: Absolutely. Yes.\n\nChannel 0: Yep. Generally, the next page is the general insurance advice. So this is where I I looked into q super a little bit. It\n\nChannel 1: Yeah.\n\nChannel 0: does say that you are able to decrease it to thirty or sixty days. There are some eligibility requirements. I wasn't able to ascertain what those were.\n\nChannel 1: Okay.\n\nChannel 0: The change can be done through member online, which you mentioned you tried to do, but it wouldn't\n\nChannel 1: Yes.\n\nChannel 0: work, or\n\nChannel 1: Yep.\n\nChannel 0: completing a change of insurance form. Decreasing the waiting period will increase the cost of your insurance.\n\nChannel 1: Mhmm.\n\nChannel 0: But if you were unable to do it online, you could try by doing it through the change of insurance form to see if you were successful\n\nChannel 1: Okay.\n\nChannel 0: in doing that. Okay?\n\nChannel 1: No. Thank you for that.\n\nChannel 0: That's okay. And then the next page is establishing your beneficiary nomination. So at the moment, we we have recommended making them to your legal personal representative, which is basically your will.\n\nChannel 1: Mhmm.\n\nChannel 0: So that's one thing that I do need to just flag with you that the reason why we have made it to your legal personal representative is because it you save approximately 2% on tax payable to the government\n\nChannel 1: I'm home.\n\nChannel 0: on your balances. But I also note that you don't have a will in place at the moment yet either. So\n\nChannel 1: No.\n\nChannel 0: it's it would be if you if you did pass away with no will, it would go to, I believe, the Queensland trustees to manage it. If you there are many ways you can get a will. You can go I think there's a few online that you can do that you can utilize that are very low cost. There's also the post office ones, I think, you can go get or\n\nChannel 1: Mhmm.\n\nChannel 0: or something. So I'll just I'll leave that with you and see how you go, and I can provide you with some resources if you need\n\nChannel 1: So we change it, like, the nominee goes to, like, a lawyer\n\nChannel 0: to. To your\n\nChannel 1: as a legal\n\nChannel 0: estate to your will. So a legal personal representative for superannuation is your will for your estate.\n\nChannel 1: oh, okay.\n\nChannel 0: So, yeah, that's what the superannuation companies refer to as your estate. So instead of saying\n\nChannel 1: Mhmm.\n\nChannel 0: estate, they say legal personal representative, which\n\nChannel 1: Oh,\n\nChannel 0: is essentially\n\nChannel 1: okay.\n\nChannel 0: the executor of your will. So, yeah, it it's probably pretty important to get one done up. We can definitely direct your superannuation to somebody over the age of 18. However, they will pay 15% superannuation tax as well as the 2% on top of that for Medicare. Yeah.\n\nYeah. They don't miss you. So the reason why we do say a will is simply because you save the 2% on tax if you're having if your beneficiary is a nonfinancial dependent, which we discussed previously, is your current one with hub twenty four is not a financial dependent under superannuation and tax law.\n\nChannel 1: Okay.\n\nChannel 0: So we can definitely still nominate an individual until you get a will in place, but I\n\nChannel 1: Mhmm.\n\nChannel 0: would strongly recommend looking into that will situation as soon as you can.\n\nChannel 1: Yes. Absolutely.\n\nChannel 0: So on that, did you want to nominate an individual, or did you with your beneficiary nominations? Because that's something that I do need to make sure I address for you.\n\nChannel 1: So I can't put my kids, can I?\n\nChannel 0: You can, but they will pay the 17% tax instead of the 15% tax your estate would\n\nChannel 1: Okay. So\n\nChannel 0: pay. For as a stopgap for the time being, if you\n\nChannel 1: yep.\n\nChannel 0: wanted to until you got the will done, you could put your kids. Once you got the will done, if your kids were the beneficiary of your will, you we can change that to then being your estate.\n\nChannel 1: So I've got my dad's old. I'm trying to put him down for the time being.\n\nChannel 0: Sorry?\n\nChannel 1: So I just put my dad down for the time being or\n\nChannel 0: As your beneficiary?\n\nChannel 1: yeah.\n\nChannel 0: So do you want your dad to get your superannuation or your children?\n\nChannel 1: Oh, no. No. My kids. Sorry. Yeah.\n\nSorry.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So you so your two children being the beneficiaries?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Well, we'll make sure those forms are included in the pack\n\nChannel 1: Mhmm.\n\nChannel 0: for you. The next couple of pages cover off on why you should establish a will and a power of attorney, which we talked through in our review.\n\nChannel 1: Yep.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: in there just to give you the information there.\n\nChannel 1: Mhmm.\n\nChannel 0: Page 33 is our ongoing services. So this is by being a client what you receive from us. Like I mentioned, you're not limited to your one annual review a year. We have an ongoing relationship. So as you need advice or if all things change, you just reach out, and we're that's what we're here for to provide advice.\n\nChannel 1: Beautiful. Thank you.\n\nChannel 0: The important information is it just outlines the next steps, your reviews. So participate in your reviews because, you know, like we did this year, we got a lot we're we're ticking a lot of boxes off. Product disclosure statements, which I'll talk to in a second, our privacy policy. So they're the all the important little bits of documentation that you need to be able to refer to.\n\nChannel 1: Yep.\n\nChannel 0: The next page is remuneration, so our fees. Our fee, again, hasn't changed from when we spoke last time. I mean, the dollar fee might have changed a little bit depending on the balance,\n\nChannel 1: Yep.\n\nChannel 0: but it's 1.65%. So ongoing, it would be $3,039 per year, and then that's divided by 12 and paid monthly.\n\nChannel 1: Mhmm. Yep. Perfect. Mhmm.\n\nChannel 0: The next page is the authority to proceed. So that just gives you a very high level overview\n\nChannel 1: Yep.\n\nChannel 0: of what all those things are that we just spoke about and what page number you can refer to it.\n\nChannel 1: Perfect.\n\nChannel 0: And the next page again is just a very quick summary of the remuneration. So that same figure again paid by your super and then\n\nChannel 1: Yep.\n\nChannel 0: the steps to implement our advice\n\nChannel 1: Okay.\n\nChannel 0: that\n\nChannel 1: Beautiful.\n\nChannel 0: we will take.\n\nChannel 1: Yes.\n\nChannel 0: Then the next page is the signature page. You'll notice in that there's a large empty area. If\n\nChannel 1: Mhmm.\n\nChannel 0: you don't wanna proceed with any of our advice, so let's say, for example, you decided I I don't want to roll over my q supra. I wanna leave it where it is and just see how things go. You would\n\nChannel 1: Mhmm.\n\nChannel 0: write that in that section. So any changes, you'd write in that section or something you didn't wanna proceed with, and then you'd sign it. If you wanted to go ahead with all of it, you'd just sign it and put nothing in that section.\n\nChannel 1: Okay.\n\nChannel 0: Any questions about the advice document?\n\nChannel 1: Perfect. No.\n\nChannel 0: No? Okay. The next the next document is the appendix to the statement of advice. So the first page and the second page is, again, a cover page and a table of contents.\n\nChannel 1: Mhmm.\n\nChannel 0: The third page is a breakdown of risk profiles. So So you've got your gross sitting in the mid middle there. And, again, that just shows you where we allocate most of your funds. So, again, 80% to gross, 20% to defensive, and then breaks it down where we would typically invest across the different sectors.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Important relationships and information. So the content of the SOA is just based on the information you've given me.\n\nChannel 1: Mhmm.\n\nChannel 0: The currency of the SOA is sixty days from the date of the SOA. No product guarantee. So like anything, we don't say that it's going to perform and do 20% and make promises that we can't keep,\n\nChannel 1: Yep. Yep.\n\nChannel 0: we just continue to review and make sure that everything remains on track and is in line with your goals.\n\nChannel 1: Perfect.\n\nChannel 0: The next page is where you'll see links to the investment PDFs. So they're your investment funds that we've recommended in hub twenty four. So they're links to them if you would like to have a read of those. The next\n\nChannel 1: Mhmm.\n\nChannel 0: document explains how we calculate our investment return methodology, showing you that, it's not, overinflated, let's say.\n\nChannel 1: Okay. Yep.\n\nChannel 0: And then the last page, two pages cover off on what life insurance through superannuation is, which I'm I'm pretty confident you're all over because you've had it that way for many, many years.\n\nChannel 1: Yes.\n\nChannel 0: The next lot of documents in the pack is oh gosh. That's it. Because your financial services guide, we gave to you previously\n\nChannel 1: Yep.\n\nChannel 0: in our review, and the product disclosure statements will make sure that we get in the the hub twenty four ones emailed out to you, although they haven't changed since the last time you received them also. So\n\nChannel 1: Yeah.\n\nChannel 0: after all that heavy information, do you have any questions, Sharon?\n\nChannel 1: No. None at all.\n\nChannel 0: No? And you're feeling okay about it all?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Okay. Beautiful. So what I would suggest is if you wanna have a read over those documents, if you have any questions, reach out to me, and only when you are comfortable, sign those. We can\n\nChannel 1: Hello?\n\nChannel 0: then go through the implementation stage. So the team will then reach out to you to go through what forms need to be signed and walk you through that process.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Alright. It was lovely speaking with you, Sharon. And if and when reading those documents, if you do have any questions, please just give me a call, and we can run through them.\n\nChannel 1: Absolutely beautiful.\n\nChannel 0: Alright. Well,\n\nChannel 1: Alright.\n\nChannel 0: do you have the day off today?\n\nChannel 1: Yeah. These are my I'm off today and tomorrow, so I rough the days off.\n\nChannel 0: Yes. Okay. And you're resting with your foot up?\n\nChannel 1: So I did. I'm still in bed, actually. I took a pain killer last night, so it made me a bit zoned out today.\n\nChannel 0: Oh, no. You're not zoned out enough to understand all we went through, was\n\nChannel 1: No.\n\nChannel 0: it?\n\nChannel 1: No. No. No. No. No.\n\nI'm just lazy today.\n\nChannel 0: I understand that. I understand that. We'll take it so take some time to have a read of the document. And, again, any questions, just reach out to me.\n\nChannel 1: Beautiful. Thank you so much for doing that. It's greatly appreciated.\n\nChannel 0: Oh, absolutely my pet pleasure, Sharon. Thank you so much, and I look forward to speaking to you again soon.\n\nChannel 1: Yes. Me too.\n\nChannel 0: Beautiful. Thanks, Sharon. Enjoy your\n\nChannel 1: Thanks.\n\nChannel 0: day.\n\nChannel 1: You too. Thanks, Jenna. Bye bye.\n\nChannel 0: Bye. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.058260612189769745},{"text":"Sharon speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.05910634063184261}],"sentiment":"neutral","sentiment_score":0.05882443115115166,"channel":1,"num_words":3,"start":0.88,"end":2.1},{"sentences":[{"text":"Good morning, Sharon.","start":2.8,"end":3.76,"sentiment":"positive","sentiment_score":0.40194275975227356},{"text":"It's Jenna here from Oakview Financial.","start":3.76,"end":5.7,"sentiment":"positive","sentiment_score":0.3338533490896225},{"text":"How are you?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.27912793556849164}],"sentiment":"positive","sentiment_score":0.33719434837500256,"channel":0,"num_words":12,"start":2.8,"end":6.66},{"sentences":[{"text":"I'm well.","start":6.56,"end":7.04,"sentiment":"positive","sentiment_score":0.38422928750514984},{"text":"How are you?","start":7.04,"end":7.94,"sentiment":"neutral","sentiment_score":0.28561965624491376}],"sentiment":"neutral","sentiment_score":0.3250635087490082,"channel":1,"num_words":5,"start":6.56,"end":7.94},{"sentences":[{"text":"I'm good.","start":8.48,"end":9.2,"sentiment":"positive","sentiment_score":0.5599597096443176},{"text":"Thank you.","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6323543787002563},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":10.639999,"end":16.484999,"sentiment":"neutral","sentiment_score":0.058227017926781074},{"text":"Is that okay?","start":16.484999,"end":17.465,"sentiment":"neutral","sentiment_score":0.07129894196987152}],"sentiment":"neutral","sentiment_score":0.1312582138304909,"channel":0,"num_words":30,"start":8.48,"end":17.465},{"sentences":[{"text":"Yeah.","start":17.725,"end":17.885,"sentiment":"neutral","sentiment_score":0.1172950118780136},{"text":"That's fine.","start":17.885,"end":18.705,"sentiment":"neutral","sentiment_score":0.2629816383123398}],"sentiment":"neutral","sentiment_score":0.21441942950089773,"channel":1,"num_words":3,"start":17.725,"end":18.705},{"sentences":[{"text":"Thank you.","start":19.285,"end":20.025,"sentiment":"positive","sentiment_score":0.5027028620243073},{"text":"And, Sharon, can I please ask you to confirm your full name, date of birth, and address?","start":20.564999,"end":26.585,"sentiment":"neutral","sentiment_score":0.07496880389311734}],"sentiment":"neutral","sentiment_score":0.11999344159113734,"channel":0,"num_words":19,"start":19.285,"end":26.585},{"sentences":[{"text":"At Sherry Anne Russat, twenty five nine sixty nine, and it's 220735 Burdette Street, Albion.","start":27.49,"end":34.31,"sentiment":"neutral","sentiment_score":0.041456498702367145}],"sentiment":"neutral","sentiment_score":0.041456498702367145,"channel":1,"num_words":15,"start":27.49,"end":34.31},{"sentences":[{"text":"Thank you for confirming that.","start":35.37,"end":37.23,"sentiment":"positive","sentiment_score":0.4362208664417267},{"text":"How are you doing today?","start":37.85,"end":39.07,"sentiment":"neutral","sentiment_score":0.3068716049194336}],"sentiment":"positive","sentiment_score":0.37154623568058015,"channel":0,"num_words":10,"start":35.37,"end":39.07},{"sentences":[{"text":"Yeah.","start":39.81,"end":40.05,"sentiment":"neutral","sentiment_score":0.03158290311694145},{"text":"Not too","start":40.05,"end":40.805,"sentiment":"neutral","sentiment_score":-0.015081925317645073}],"sentiment":"neutral","sentiment_score":0.00047301749388376874,"channel":1,"num_words":3,"start":39.81,"end":40.805},{"sentences":[{"text":"Yeah.","start":41.690002,"end":42.17,"sentiment":"neutral","sentiment_score":-0.005303798243403435},{"text":"How did the return to work go?","start":42.17,"end":43.925,"sentiment":"neutral","sentiment_score":-0.00949134145464216}],"sentiment":"neutral","sentiment_score":-0.008967898553237319,"channel":0,"num_words":8,"start":41.690002,"end":43.925},{"sentences":[{"text":"bad.","start":43.985,"end":44.485,"sentiment":"neutral","sentiment_score":-0.1749117523431778},{"text":"I'm only back two days a week.","start":44.945,"end":46.625,"sentiment":"neutral","sentiment_score":-0.16838763441358293},{"text":"I'm sorry.","start":46.625,"end":47.445,"sentiment":"neutral","sentiment_score":-0.1370985507965088},{"text":"Two days on, two days off.","start":47.505,"end":49.205,"sentiment":"neutral","sentiment_score":-0.09816186502575874}],"sentiment":"neutral","sentiment_score":-0.13854959281161427,"channel":1,"num_words":16,"start":43.985,"end":49.205},{"sentences":[{"text":"Yes.","start":49.585,"end":50.085,"sentiment":"neutral","sentiment_score":0.024298693984746933},{"text":"And did","start":50.305,"end":50.704998,"sentiment":"neutral","sentiment_score":0.019201163202524185}],"sentiment":"neutral","sentiment_score":0.020900340129931767,"channel":0,"num_words":3,"start":49.585,"end":50.704998},{"sentences":[{"text":"Yep.","start":50.625,"end":51.125,"sentiment":"neutral","sentiment_score":0.051669828593730927}],"sentiment":"neutral","sentiment_score":0.051669828593730927,"channel":1,"num_words":1,"start":50.625,"end":51.125},{"sentences":[{"text":"you manage that okay and the specialist happy with it?","start":50.704998,"end":54.085,"sentiment":"neutral","sentiment_score":0.06937969755381346}],"sentiment":"neutral","sentiment_score":0.06937969755381346,"channel":0,"num_words":10,"start":50.704998,"end":54.085},{"sentences":[{"text":"Well, he's said I should be off for, like, you know, another two weeks, but I pushed to go back so I needed the money.","start":55.41,"end":63.67,"sentiment":"neutral","sentiment_score":-0.15263933688402176}],"sentiment":"neutral","sentiment_score":-0.15263933688402176,"channel":1,"num_words":25,"start":55.41,"end":63.67},{"sentences":[{"text":"Yes.","start":64.1,"end":64.6,"sentiment":"neutral","sentiment_score":-0.0024582762271165848},{"text":"Yep.","start":64.82,"end":65.32,"sentiment":"neutral","sentiment_score":-0.0023015192709863186}],"sentiment":"neutral","sentiment_score":-0.0023798977490514517,"channel":0,"num_words":2,"start":64.1,"end":65.32},{"sentences":[{"text":"So I just have to, you know, because ankles twirls at the end of every shift that, you know, you gotta do what you gotta do.","start":65.49,"end":70.515,"sentiment":"neutral","sentiment_score":-0.06347275482347378}],"sentiment":"neutral","sentiment_score":-0.06347275482347378,"channel":1,"num_words":26,"start":65.49,"end":70.515},{"sentences":[{"text":"Yeah.","start":71.38,"end":71.88,"sentiment":"neutral","sentiment_score":0.009979616850614548},{"text":"And better better you do you manage to get the swelling down and and get it comfortable again once you get home?","start":72.915,"end":81.095,"sentiment":"neutral","sentiment_score":0.034189592792906544}],"sentiment":"neutral","sentiment_score":0.033136985143241676,"channel":0,"num_words":23,"start":71.38,"end":81.095},{"sentences":[{"text":"Yeah.","start":81.075,"end":81.315,"sentiment":"neutral","sentiment_score":-0.06587731838226318},{"text":"Once you get hard, like, COVID died, it probably goes down.","start":81.315,"end":84.46,"sentiment":"neutral","sentiment_score":-0.24620253118601712},{"text":"I need to do it again the next day, but that's fine.","start":84.46,"end":86.96,"sentiment":"neutral","sentiment_score":-0.17124434933066368}],"sentiment":"neutral","sentiment_score":-0.20120988972485065,"channel":1,"num_words":24,"start":81.075,"end":86.96},{"sentences":[{"text":"Yeah.","start":87.555,"end":87.9,"sentiment":"neutral","sentiment_score":-0.01904397085309029},{"text":"But are are you managing it okay?","start":88.22,"end":90.24,"sentiment":"neutral","sentiment_score":-0.023016801636133875}],"sentiment":"neutral","sentiment_score":-0.022520197788253427,"channel":0,"num_words":8,"start":87.555,"end":90.24},{"sentences":[{"text":"Yeah.","start":90.62,"end":90.94,"sentiment":"neutral","sentiment_score":-0.005314499139785767},{"text":"Yeah.","start":90.94,"end":91.44,"sentiment":"neutral","sentiment_score":0.008118242025375366}],"sentiment":"neutral","sentiment_score":0.0014018714427947998,"channel":1,"num_words":2,"start":90.62,"end":91.44},{"sentences":[{"text":"Okay.","start":92.14,"end":92.64,"sentiment":"neutral","sentiment_score":0.022160042077302933},{"text":"Well, that that's good to hear because I know our last couple of conversations has been very take toll taking on you because of","start":92.700005,"end":105.335,"sentiment":"neutral","sentiment_score":0.08237792893002431}],"sentiment":"neutral","sentiment_score":0.07996921345591546,"channel":0,"num_words":25,"start":92.14,"end":105.335},{"sentences":[{"text":"Yeah.","start":105.275,"end":105.775,"sentiment":"neutral","sentiment_score":0.027714572846889496}],"sentiment":"neutral","sentiment_score":0.027714572846889496,"channel":1,"num_words":1,"start":105.275,"end":105.775},{"sentences":[{"text":"everything that you've been going through.","start":105.335,"end":107.015,"sentiment":"neutral","sentiment_score":0.008323707540209094},{"text":"So I just wanted to check and make sure that you're doing okay now.","start":107.015,"end":110.634995,"sentiment":"neutral","sentiment_score":0.11853353625961713}],"sentiment":"neutral","sentiment_score":0.08547058764379471,"channel":0,"num_words":20,"start":105.335,"end":110.634995},{"sentences":[{"text":"Yeah.","start":111.19,"end":111.51,"sentiment":"neutral","sentiment_score":0.14255964756011963},{"text":"Thank you.","start":111.51,"end":112.25,"sentiment":"neutral","sentiment_score":0.28308095037937164}],"sentiment":"neutral","sentiment_score":0.23624051610628763,"channel":1,"num_words":3,"start":111.19,"end":112.25},{"sentences":[{"text":"Yeah.","start":112.775,"end":113.275,"sentiment":"neutral","sentiment_score":0.1640709489583969},{"text":"You are you feeling a bit better?","start":113.415,"end":115.354996,"sentiment":"neutral","sentiment_score":0.1640212248478617}],"sentiment":"neutral","sentiment_score":0.1640274403616786,"channel":0,"num_words":8,"start":112.775,"end":115.354996},{"sentences":[{"text":"I am.","start":116.79,"end":117.19,"sentiment":"neutral","sentiment_score":0.1562957912683487},{"text":"Yes.","start":117.19,"end":117.69,"sentiment":"neutral","sentiment_score":0.15281003713607788}],"sentiment":"neutral","sentiment_score":0.15513387322425842,"channel":1,"num_words":3,"start":116.79,"end":117.69},{"sentences":[{"text":"Oh, good.","start":118.43,"end":119.17,"sentiment":"neutral","sentiment_score":0.3124611973762512},{"text":"I'm so","start":119.23,"end":119.71,"sentiment":"neutral","sentiment_score":0.3194773197174072}],"sentiment":"neutral","sentiment_score":0.3159692585468292,"channel":0,"num_words":4,"start":118.43,"end":119.71},{"sentences":[{"text":"Mhmm.","start":119.59,"end":120.09,"sentiment":"neutral","sentiment_score":0.28023022413253784}],"sentiment":"neutral","sentiment_score":0.28023022413253784,"channel":1,"num_words":1,"start":119.59,"end":120.09},{"sentences":[{"text":"I'm so pleased to hear that.","start":119.71,"end":121.49,"sentiment":"positive","sentiment_score":0.6686511238416036}],"sentiment":"positive","sentiment_score":0.6686511238416036,"channel":0,"num_words":6,"start":119.71,"end":121.49},{"sentences":[{"text":"Thank you.","start":121.75,"end":122.49,"sentiment":"positive","sentiment_score":0.5930024981498718}],"sentiment":"positive","sentiment_score":0.5930024981498718,"channel":1,"num_words":2,"start":121.75,"end":122.49},{"sentences":[{"text":"Okay.","start":123.87,"end":124.37,"sentiment":"neutral","sentiment_score":0.02236066199839115},{"text":"Well, the purpose of my call today was just to have a quick chat and a check-in to go through a document that I sent you a little earlier.","start":124.43,"end":133.375,"sentiment":"neutral","sentiment_score":0.09995737569085483},{"text":"I don't know if you've seen that pop up on your email, but it's a statement of advice.","start":133.755,"end":140.235,"sentiment":"neutral","sentiment_score":0.04575082012969586},{"text":"So it's just it's to go through those changes that we talked about on the phone in our last meetings, particularly","start":140.235,"end":146.92,"sentiment":"neutral","sentiment_score":0.0786377564072609}],"sentiment":"neutral","sentiment_score":0.07820336527420559,"channel":0,"num_words":69,"start":123.87,"end":146.92},{"sentences":[{"text":"Uh-huh.","start":146.62,"end":147.12,"sentiment":"neutral","sentiment_score":0.01803232543170452}],"sentiment":"neutral","sentiment_score":0.01803232543170452,"channel":1,"num_words":1,"start":146.62,"end":147.12},{"sentences":[{"text":"your in your review.","start":146.92,"end":148.47,"sentiment":"neutral","sentiment_score":0.0353181092068553},{"text":"Do you have some time to go through that now?","start":148.47,"end":151.03,"sentiment":"neutral","sentiment_score":0.011469826847314835}],"sentiment":"neutral","sentiment_score":0.01828362180718354,"channel":0,"num_words":14,"start":146.92,"end":151.03},{"sentences":[{"text":"I do.","start":152.3,"end":152.715,"sentiment":"neutral","sentiment_score":0.11431854590773582},{"text":"I'm just trying to pick up that document.","start":152.875,"end":156.735,"sentiment":"neutral","sentiment_score":0.05045295273885131}],"sentiment":"neutral","sentiment_score":0.06322607137262821,"channel":1,"num_words":10,"start":152.3,"end":156.735},{"sentences":[{"text":"It woulda.","start":158.20999,"end":158.805,"sentiment":"neutral","sentiment_score":0.027980005368590355},{"text":"It may come from Jenna Wheeler or Odoo sign.","start":159.20499,"end":162.265,"sentiment":"neutral","sentiment_score":0.012911308142873976}],"sentiment":"neutral","sentiment_score":0.015651071274822407,"channel":0,"num_words":11,"start":158.20999,"end":162.265},{"sentences":[{"text":"Let's have a look in here.","start":174.23999,"end":175.78,"sentiment":"neutral","sentiment_score":0.02191822820653518},{"text":"Oh.","start":183.775,"end":184.25499,"sentiment":"neutral","sentiment_score":0.020127499476075172},{"text":"Oh, yep.","start":184.25499,"end":184.73499,"sentiment":"neutral","sentiment_score":0.013292000629007816},{"text":"That I've got a sign.","start":184.73499,"end":185.53499,"sentiment":"neutral","sentiment_score":-0.010003978200256825},{"text":"Yep.","start":185.53499,"end":185.855,"sentiment":"neutral","sentiment_score":0.02435316890478134}],"sentiment":"neutral","sentiment_score":0.010170276525119941,"channel":1,"num_words":15,"start":174.23999,"end":185.855},{"sentences":[{"text":"Okay.","start":185.855,"end":186.09499,"sentiment":"neutral","sentiment_score":0.02512933313846588},{"text":"I've just got that.","start":186.09499,"end":186.73499,"sentiment":"neutral","sentiment_score":0.009269281756132841},{"text":"Yep.","start":186.73499,"end":187.23499,"sentiment":"neutral","sentiment_score":0.04299071431159973}],"sentiment":"neutral","sentiment_score":0.01753286241243283,"channel":1,"num_words":6,"start":185.855,"end":187.23499},{"sentences":[{"text":"Yeah.","start":187.55501,"end":187.875,"sentiment":"neutral","sentiment_score":0.05546629801392555},{"text":"Okay.","start":187.875,"end":188.195,"sentiment":"neutral","sentiment_score":0.060969166457653046},{"text":"So same process as before.","start":188.195,"end":189.975,"sentiment":"neutral","sentiment_score":0.04273814335465431},{"text":"You're not signing anything right now.","start":190.675,"end":192.755,"sentiment":"neutral","sentiment_score":-0.20405805110931396},{"text":"We're just gonna talk through it.","start":192.755,"end":194.615,"sentiment":"neutral","sentiment_score":0.00028368271887302285}],"sentiment":"neutral","sentiment_score":-0.046974738373568185,"channel":0,"num_words":19,"start":187.55501,"end":194.615},{"sentences":[{"text":"So if you open that up, we I will talk through the lovely document that is in front of you.","start":195.235,"end":203.38,"sentiment":"neutral","sentiment_score":0.2542923789471388},{"text":"So have","start":205.76001,"end":206.72,"sentiment":"neutral","sentiment_score":0.02914992906153202}],"sentiment":"neutral","sentiment_score":0.23382488350299271,"channel":0,"num_words":22,"start":195.235,"end":206.72},{"sentences":[{"text":"Mhmm.","start":206.67,"end":207.17,"sentiment":"neutral","sentiment_score":0.02774398773908615}],"sentiment":"neutral","sentiment_score":0.02774398773908615,"channel":1,"num_words":1,"start":206.67,"end":207.17},{"sentences":[{"text":"you got that opened?","start":206.72,"end":207.70001,"sentiment":"neutral","sentiment_score":0.016202815808355808}],"sentiment":"neutral","sentiment_score":0.016202815808355808,"channel":0,"num_words":4,"start":206.72,"end":207.70001},{"sentences":[{"text":"I'm just going to try now.","start":208.59,"end":210.13,"sentiment":"neutral","sentiment_score":0.01302674226462841}],"sentiment":"neutral","sentiment_score":0.01302674226462841,"channel":1,"num_words":6,"start":208.59,"end":210.13},{"sentences":[{"text":"You just let me know when you've got that opened and when","start":211.28,"end":213.28,"sentiment":"neutral","sentiment_score":0.032924733590334654}],"sentiment":"neutral","sentiment_score":0.032924733590334654,"channel":0,"num_words":12,"start":211.28,"end":213.28},{"sentences":[{"text":"Yes.","start":213.18501,"end":213.425,"sentiment":"neutral","sentiment_score":0.049439821392297745}],"sentiment":"neutral","sentiment_score":0.049439821392297745,"channel":1,"num_words":1,"start":213.18501,"end":213.425},{"sentences":[{"text":"you're","start":213.28,"end":213.645,"sentiment":"neutral","sentiment_score":0.04482764005661011}],"sentiment":"neutral","sentiment_score":0.04482764005661011,"channel":0,"num_words":1,"start":213.28,"end":213.645},{"sentences":[{"text":"I've got open.","start":213.425,"end":214.065,"sentiment":"neutral","sentiment_score":0.025411898891131084},{"text":"Yep.","start":214.065,"end":214.565,"sentiment":"neutral","sentiment_score":0.1804380714893341}],"sentiment":"neutral","sentiment_score":0.06416844204068184,"channel":1,"num_words":4,"start":213.425,"end":214.565},{"sentences":[{"text":"ready.","start":214.685,"end":215.185,"sentiment":"neutral","sentiment_score":0.26246029138565063},{"text":"Beautiful.","start":215.565,"end":216.065,"sentiment":"positive","sentiment_score":0.7051010131835938},{"text":"Thank you.","start":216.205,"end":216.945,"sentiment":"positive","sentiment_score":0.687895804643631},{"text":"So the first page would be a stay it's a cover page saying it's your statement of advice.","start":217.005,"end":222.065,"sentiment":"neutral","sentiment_score":0.12163958781295353}],"sentiment":"neutral","sentiment_score":0.20603934065862137,"channel":0,"num_words":22,"start":214.685,"end":222.065},{"sentences":[{"text":"Perfect.","start":222.225,"end":222.625,"sentiment":"positive","sentiment_score":0.4890819191932678},{"text":"Yes.","start":222.625,"end":222.9,"sentiment":"neutral","sentiment_score":0.20177465677261353}],"sentiment":"positive","sentiment_score":0.3454282879829407,"channel":1,"num_words":2,"start":222.225,"end":222.9},{"sentences":[{"text":"It explains that I'm the one providing advice to you, what my authorized representative number is, and who I work for, which is Oakview Financial.","start":224.285,"end":232.68999,"sentiment":"neutral","sentiment_score":0.11901270627975463}],"sentiment":"neutral","sentiment_score":0.11901270627975463,"channel":0,"num_words":25,"start":224.285,"end":232.68999},{"sentences":[{"text":"Mhmm.","start":233.54,"end":234.04,"sentiment":"neutral","sentiment_score":0.028215184807777405}],"sentiment":"neutral","sentiment_score":0.028215184807777405,"channel":1,"num_words":1,"start":233.54,"end":234.04},{"sentences":[{"text":"The second page is explains what this document is and that it's valid for sixty days.","start":234.90999,"end":241.595,"sentiment":"neutral","sentiment_score":0.05441952752880752},{"text":"The reason why we have a time frame on how long the document is valid for is to make sure that if it goes outside of that time frame, sometimes people's situations can change quite quickly and that we just need to review any information before the advice is proceeded with again.","start":241.815,"end":262.07,"sentiment":"neutral","sentiment_score":-0.022311602575847737},{"text":"So, typically, we just follow the same process all over","start":262.07,"end":265.785,"sentiment":"neutral","sentiment_score":0.058364737406373025}],"sentiment":"neutral","sentiment_score":0.0037712369305201066,"channel":0,"num_words":78,"start":234.90999,"end":265.785},{"sentences":[{"text":"Yes.","start":266.445,"end":266.945,"sentiment":"neutral","sentiment_score":0.07206924259662628}],"sentiment":"neutral","sentiment_score":0.07206924259662628,"channel":1,"num_words":1,"start":266.445,"end":266.945},{"sentences":[{"text":"again.","start":266.96503,"end":267.46503,"sentiment":"neutral","sentiment_score":0.060968149453401566},{"text":"The it outlines here also our best interest duty.","start":268.64502,"end":272.02502,"sentiment":"neutral","sentiment_score":0.08177737653669384},{"text":"So this is to make sure that it's a legislative standard to make sure that we act in our client's best best interests at all times so we identify your financial situations and needs for the individual to you.","start":272.405,"end":285.8,"sentiment":"neutral","sentiment_score":0.2352268562102929}],"sentiment":"neutral","sentiment_score":0.20348595776500142,"channel":0,"num_words":49,"start":266.96503,"end":285.8},{"sentences":[{"text":"Mhmm.","start":286.165,"end":286.665,"sentiment":"neutral","sentiment_score":0.05477512627840042}],"sentiment":"neutral","sentiment_score":0.05477512627840042,"channel":1,"num_words":1,"start":286.165,"end":286.665},{"sentences":[{"text":"Any advice is specific again to you based on your individual circumstances, and then assess and consider whether any advice is provide is required in relation to strategy or product.","start":287.06,"end":302.065,"sentiment":"neutral","sentiment_score":0.020851445198059083}],"sentiment":"neutral","sentiment_score":0.020851445198059083,"channel":0,"num_words":30,"start":287.06,"end":302.065},{"sentences":[{"text":"I called.","start":302.91998,"end":303.66,"sentiment":"neutral","sentiment_score":0.04242009483277798}],"sentiment":"neutral","sentiment_score":0.04242009483277798,"channel":1,"num_words":2,"start":302.91998,"end":303.66},{"sentences":[{"text":"And it all has to be in your best interest.","start":303.16498,"end":305.505,"sentiment":"neutral","sentiment_score":0.1083449125289917}],"sentiment":"neutral","sentiment_score":0.1083449125289917,"channel":0,"num_words":10,"start":303.16498,"end":305.505},{"sentences":[{"text":"Yes.","start":305.72,"end":306.22,"sentiment":"neutral","sentiment_score":0.1269977241754532}],"sentiment":"neutral","sentiment_score":0.1269977241754532,"channel":1,"num_words":1,"start":305.72,"end":306.22},{"sentences":[{"text":"The next page is a table of contents, and then the following page is our scope of advice.","start":307.35,"end":314.22998,"sentiment":"neutral","sentiment_score":0.06401348590022987},{"text":"So this is what so scope of advice is considered is what I'm gonna talk to in this document.","start":314.22998,"end":320.88998,"sentiment":"neutral","sentiment_score":0.08752314746379852}],"sentiment":"neutral","sentiment_score":0.07608601481125161,"channel":0,"num_words":37,"start":307.35,"end":320.88998},{"sentences":[{"text":"Yep.","start":321.415,"end":321.915,"sentiment":"neutral","sentiment_score":0.08236472308635712}],"sentiment":"neutral","sentiment_score":0.08236472308635712,"channel":1,"num_words":1,"start":321.415,"end":321.915},{"sentences":[{"text":"So the review of your superannuation is to look at q super hub 24, ensure super superannuation balances are combined as much as possible without impacting or you losing your existing insurance within q super,","start":322.335,"end":340.96,"sentiment":"neutral","sentiment_score":0.10827292203903198}],"sentiment":"neutral","sentiment_score":0.10827292203903198,"channel":0,"num_words":35,"start":322.335,"end":340.96},{"sentences":[{"text":"Yep.","start":341.445,"end":341.945,"sentiment":"neutral","sentiment_score":0.11058645695447922}],"sentiment":"neutral","sentiment_score":0.11058645695447922,"channel":1,"num_words":1,"start":341.445,"end":341.945},{"sentences":[{"text":"and a recommendation that you establish a will and power of attorney attorney.","start":341.82,"end":347.265,"sentiment":"neutral","sentiment_score":0.0814892454789235},{"text":"Attorney.","start":347.42502,"end":347.74503,"sentiment":"neutral","sentiment_score":-0.018020138144493103},{"text":"Sorry.","start":347.74503,"end":348.24503,"sentiment":"neutral","sentiment_score":-0.04724615812301636},{"text":"Oh, gosh.","start":350.30502,"end":351.045,"sentiment":"neutral","sentiment_score":-0.0038557322695851326},{"text":"And review any beneficiary nominations in super.","start":351.345,"end":354.385,"sentiment":"neutral","sentiment_score":0.02664933992283685}],"sentiment":"neutral","sentiment_score":0.04887199207829932,"channel":0,"num_words":24,"start":341.82,"end":354.385},{"sentences":[{"text":"So that one's specifically for q super because we noted that you didn't have any in q super.","start":354.385,"end":360.30002,"sentiment":"neutral","sentiment_score":-0.04607756373782953}],"sentiment":"neutral","sentiment_score":-0.04607756373782953,"channel":0,"num_words":18,"start":354.385,"end":360.30002},{"sentences":[{"text":"Yes.","start":360.9,"end":361.125,"sentiment":"neutral","sentiment_score":0.05352119356393814}],"sentiment":"neutral","sentiment_score":0.05352119356393814,"channel":1,"num_words":1,"start":360.9,"end":361.125},{"sentences":[{"text":"The next page is your scope of advice limited scope.","start":362.84003,"end":366.46002,"sentiment":"neutral","sentiment_score":0.008690813928842545},{"text":"So we did talk about you wanting to review whether you can amend the waiting period on your existing default q super insurance for your income.","start":366.84003,"end":375.855,"sentiment":"neutral","sentiment_score":-0.036560279388840385},{"text":"So I've","start":376.075,"end":376.475,"sentiment":"neutral","sentiment_score":0.015934370458126068}],"sentiment":"neutral","sentiment_score":-0.021889220629083484,"channel":0,"num_words":38,"start":362.84003,"end":376.475},{"sentences":[{"text":"Uh-huh.","start":376.325,"end":376.62,"sentiment":"neutral","sentiment_score":0.011398601345717909}],"sentiment":"neutral","sentiment_score":0.011398601345717909,"channel":1,"num_words":1,"start":376.325,"end":376.62},{"sentences":[{"text":"had a little bit of a look into that and provided some general information in this document for you as well.","start":376.475,"end":381.935,"sentiment":"neutral","sentiment_score":0.06584982414330755},{"text":"And then the following page is scope of advice not considered.","start":383.435,"end":387.45502,"sentiment":"neutral","sentiment_score":-0.0838603749871254},{"text":"So this is the repayment of the debt.","start":387.515,"end":390.03,"sentiment":"neutral","sentiment_score":-0.05487186694517732},{"text":"What we talked about in our last review is that we would revisit this in September 2027 once the","start":391.45,"end":399.21002,"sentiment":"neutral","sentiment_score":0.030713110966117757}],"sentiment":"neutral","sentiment_score":0.0102534975414559,"channel":0,"num_words":59,"start":376.475,"end":399.21002},{"sentences":[{"text":"Yes.","start":399.035,"end":399.535,"sentiment":"neutral","sentiment_score":0.05049577355384827}],"sentiment":"neutral","sentiment_score":0.05049577355384827,"channel":1,"num_words":1,"start":399.035,"end":399.535},{"sentences":[{"text":"lease is con the lease concludes on your car.","start":399.21002,"end":402.35,"sentiment":"neutral","sentiment_score":0.06920239536298646}],"sentiment":"neutral","sentiment_score":0.06920239536298646,"channel":0,"num_words":9,"start":399.21002,"end":402.35},{"sentences":[{"text":"Yes.","start":402.6,"end":403.1,"sentiment":"neutral","sentiment_score":0.25020939111709595}],"sentiment":"neutral","sentiment_score":0.25020939111709595,"channel":1,"num_words":1,"start":402.6,"end":403.1},{"sentences":[{"text":"It's gonna free up some cash flow for","start":402.97,"end":406.205,"sentiment":"positive","sentiment_score":0.3427317850291729}],"sentiment":"positive","sentiment_score":0.3427317850291729,"channel":0,"num_words":8,"start":402.97,"end":406.205},{"sentences":[{"text":"Mhmm.","start":406.04,"end":406.54,"sentiment":"neutral","sentiment_score":0.19632166624069217}],"sentiment":"neutral","sentiment_score":0.19632166624069217,"channel":1,"num_words":1,"start":406.04,"end":406.54},{"sentences":[{"text":"you, but also noting you'll have to get a loan to fund the balloon payment.","start":406.365,"end":411.125,"sentiment":"neutral","sentiment_score":0.09890242467323938},{"text":"So","start":411.425,"end":411.66498,"sentiment":"neutral","sentiment_score":0.14093196392059326}],"sentiment":"neutral","sentiment_score":0.10152927087619901,"channel":0,"num_words":16,"start":406.365,"end":411.66498},{"sentences":[{"text":"Yes.","start":411.56,"end":412.06,"sentiment":"neutral","sentiment_score":0.1840277910232544}],"sentiment":"neutral","sentiment_score":0.1840277910232544,"channel":1,"num_words":1,"start":411.56,"end":412.06},{"sentences":[{"text":"at that point in time, we talked about looking at our repayment an accelerated repayment plan basically with the surplus cash flow to get you ahead of that debt so you can retire debt free and then look at building your superannuation.","start":411.66498,"end":428.68,"sentiment":"neutral","sentiment_score":0.29341858217404004},{"text":"So you can hopefully retire at age 65, which is your your actual","start":428.97998,"end":434.44,"sentiment":"positive","sentiment_score":0.44546271975223833}],"sentiment":"neutral","sentiment_score":0.329356287419796,"channel":0,"num_words":55,"start":411.66498,"end":434.44},{"sentences":[{"text":"Mhmm.","start":435.27,"end":435.77,"sentiment":"positive","sentiment_score":0.3517177999019623}],"sentiment":"positive","sentiment_score":0.3517177999019623,"channel":1,"num_words":1,"start":435.27,"end":435.77},{"sentences":[{"text":"goal.","start":435.915,"end":436.23502,"sentiment":"neutral","sentiment_score":0.26369571685791016},{"text":"Does that sound correct?","start":436.23502,"end":437.515,"sentiment":"neutral","sentiment_score":0.20070107281208038},{"text":"Do I have all","start":437.515,"end":438.23502,"sentiment":"neutral","sentiment_score":0.07522275112569332}],"sentiment":"neutral","sentiment_score":0.15193233473433387,"channel":0,"num_words":9,"start":435.915,"end":438.23502},{"sentences":[{"text":"Yes.","start":438.06998,"end":438.56998,"sentiment":"neutral","sentiment_score":0.13859236240386963}],"sentiment":"neutral","sentiment_score":0.13859236240386963,"channel":1,"num_words":1,"start":438.06998,"end":438.56998},{"sentences":[{"text":"that right?","start":438.23502,"end":438.975,"sentiment":"neutral","sentiment_score":0.1488949954509735}],"sentiment":"neutral","sentiment_score":0.1488949954509735,"channel":0,"num_words":2,"start":438.23502,"end":438.975},{"sentences":[{"text":"Yes.","start":439.11,"end":439.61,"sentiment":"neutral","sentiment_score":0.14252181351184845},{"text":"Uh-huh.","start":439.99,"end":440.49,"sentiment":"neutral","sentiment_score":0.2014838308095932}],"sentiment":"neutral","sentiment_score":0.17200282216072083,"channel":1,"num_words":2,"start":439.11,"end":440.49},{"sentences":[{"text":"Fantastic.","start":440.555,"end":441.055,"sentiment":"positive","sentiment_score":0.747856616973877},{"text":"Because I do know in our last conversation, you said 65 was your retirement goal, but you thought that you may have to work till 75.","start":443.995,"end":453.01,"sentiment":"neutral","sentiment_score":0.24635487995468652}],"sentiment":"neutral","sentiment_score":0.2649290183628047,"channel":0,"num_words":27,"start":440.555,"end":453.01},{"sentences":[{"text":"Yes.","start":453.605,"end":453.96,"sentiment":"neutral","sentiment_score":0.2620478868484497}],"sentiment":"neutral","sentiment_score":0.2620478868484497,"channel":1,"num_words":1,"start":453.605,"end":453.96},{"sentences":[{"text":"Part of my role is to get you to next year.","start":454.51,"end":458.21,"sentiment":"positive","sentiment_score":0.3507407307624817},{"text":"Let's look at the debt repayment, get that done to save you some interest,","start":459.47,"end":464.405,"sentiment":"neutral","sentiment_score":0.3053596871239798}],"sentiment":"neutral","sentiment_score":0.32532734632492066,"channel":0,"num_words":25,"start":454.51,"end":464.405},{"sentences":[{"text":"Yep.","start":464.91998,"end":465.41998,"sentiment":"neutral","sentiment_score":0.30742114782333374}],"sentiment":"neutral","sentiment_score":0.30742114782333374,"channel":1,"num_words":1,"start":464.91998,"end":465.41998},{"sentences":[{"text":"and then look at your retirement.","start":465.105,"end":466.645,"sentiment":"neutral","sentiment_score":0.2131258323788643},{"text":"But there is some there is a document, I believe, a table later in here that can give you a look at what retirement looks like even now based on your current super.","start":466.70502,"end":476.565,"sentiment":"neutral","sentiment_score":0.23805431141094727},{"text":"So we can","start":476.65997,"end":477.06,"sentiment":"neutral","sentiment_score":0.28273651997248334}],"sentiment":"neutral","sentiment_score":0.23768468644647373,"channel":0,"num_words":42,"start":465.105,"end":477.06},{"sentences":[{"text":"Mhmm.","start":477.015,"end":477.515,"sentiment":"neutral","sentiment_score":0.29356664419174194}],"sentiment":"neutral","sentiment_score":0.29356664419174194,"channel":1,"num_words":1,"start":477.015,"end":477.515},{"sentences":[{"text":"go through that, and it can give you a bit of an idea that you are on track.","start":477.06,"end":480.84,"sentiment":"positive","sentiment_score":0.45184200670984054},{"text":"There are probably just a few little things we need to do once we've got that debt under control.","start":481.46,"end":486.36,"sentiment":"neutral","sentiment_score":0.1643080656465731}],"sentiment":"neutral","sentiment_score":0.3041894423800546,"channel":0,"num_words":37,"start":477.06,"end":486.36},{"sentences":[{"text":"Yep.","start":486.47,"end":486.78998,"sentiment":"neutral","sentiment_score":0.2523043155670166},{"text":"Perfect.","start":486.78998,"end":487.28998,"sentiment":"positive","sentiment_score":0.5189809203147888}],"sentiment":"positive","sentiment_score":0.3856426179409027,"channel":1,"num_words":2,"start":486.47,"end":487.28998},{"sentences":[{"text":"Okay?","start":487.62,"end":488.12,"sentiment":"neutral","sentiment_score":0.23836436867713928}],"sentiment":"neutral","sentiment_score":0.23836436867713928,"channel":0,"num_words":1,"start":487.62,"end":488.12},{"sentences":[{"text":"Yep.","start":488.31,"end":488.81,"sentiment":"neutral","sentiment_score":0.17152325809001925}],"sentiment":"neutral","sentiment_score":0.17152325809001925,"channel":1,"num_words":1,"start":488.31,"end":488.81},{"sentences":[{"text":"The next page is a limit advice.","start":489.805,"end":491.565,"sentiment":"neutral","sentiment_score":-0.08143388160637446},{"text":"This is just a general warning saying that if any information has been disclosed to us incorrectly or is wrong, it could affect the the advice.","start":491.565,"end":499.025,"sentiment":"neutral","sentiment_score":-0.2872069953725888},{"text":"Letting you know that I'm not a lawyer, so I can't draft wills or","start":499.805,"end":503.665,"sentiment":"neutral","sentiment_score":-0.17282977487359727}],"sentiment":"neutral","sentiment_score":-0.22249012551409134,"channel":0,"num_words":47,"start":489.805,"end":503.665},{"sentences":[{"text":"Yep.","start":504.085,"end":504.42,"sentiment":"neutral","sentiment_score":-0.08554518222808838}],"sentiment":"neutral","sentiment_score":-0.08554518222808838,"channel":1,"num_words":1,"start":504.085,"end":504.42},{"sentences":[{"text":"provide specific advice in that regard.","start":504.35,"end":506.83002,"sentiment":"neutral","sentiment_score":-0.05913380285104116},{"text":"I can only say you should definitely do it.","start":506.83002,"end":509.65,"sentiment":"neutral","sentiment_score":0.23190736770629883},{"text":"And that I am avail I am able to provide","start":510.75,"end":514.59,"sentiment":"neutral","sentiment_score":0.1263498768210411}],"sentiment":"neutral","sentiment_score":0.11983449041843414,"channel":0,"num_words":25,"start":504.35,"end":514.59},{"sentences":[{"text":"Yes.","start":514.5,"end":515.0,"sentiment":"neutral","sentiment_score":0.08926230669021606}],"sentiment":"neutral","sentiment_score":0.08926230669021606,"channel":1,"num_words":1,"start":514.5,"end":515.0},{"sentences":[{"text":"tax advice in relation to financial planning,","start":514.59,"end":517.185,"sentiment":"neutral","sentiment_score":0.005336904632193702}],"sentiment":"neutral","sentiment_score":0.005336904632193702,"channel":0,"num_words":7,"start":514.59,"end":517.185},{"sentences":[{"text":"Mhmm.","start":517.7,"end":518.115,"sentiment":"neutral","sentiment_score":-0.02163241058588028}],"sentiment":"neutral","sentiment_score":-0.02163241058588028,"channel":1,"num_words":1,"start":517.7,"end":518.115},{"sentences":[{"text":"but I'm not a tax a a tax agent.","start":517.885,"end":520.625,"sentiment":"neutral","sentiment_score":-0.13555138723717797}],"sentiment":"neutral","sentiment_score":-0.13555138723717797,"channel":0,"num_words":9,"start":517.885,"end":520.625},{"sentences":[{"text":"Yes.","start":520.995,"end":521.495,"sentiment":"neutral","sentiment_score":0.05304258316755295}],"sentiment":"neutral","sentiment_score":0.05304258316755295,"channel":1,"num_words":1,"start":520.995,"end":521.495},{"sentences":[{"text":"The next couple of pages is the about you section.","start":522.925,"end":525.805,"sentiment":"neutral","sentiment_score":0.051225731149315834},{"text":"So this is the information we confirmed in our recent review","start":525.805,"end":528.865,"sentiment":"neutral","sentiment_score":0.10453783652999184}],"sentiment":"neutral","sentiment_score":0.07915111968205088,"channel":0,"num_words":21,"start":522.925,"end":528.865},{"sentences":[{"text":"Mhmm.","start":529.475,"end":529.975,"sentiment":"neutral","sentiment_score":0.07706190645694733}],"sentiment":"neutral","sentiment_score":0.07706190645694733,"channel":1,"num_words":1,"start":529.475,"end":529.975},{"sentences":[{"text":"And then your lifestyle and assets, your current super, so it's spread across hub twenty four and q super, and your current policies within q super.","start":530.94,"end":541.6,"sentiment":"neutral","sentiment_score":0.10069289473960033},{"text":"The following page is your risk profile.","start":544.33496,"end":546.435,"sentiment":"neutral","sentiment_score":0.0225198966051851},{"text":"So I just wanted to touch on this quickly because I do know and I recall from our previous conversations, I just wanna make sure that you are absolutely comfortable with it because there was a lot going on.","start":546.495,"end":558.27496,"sentiment":"neutral","sentiment_score":0.1300295740365982}],"sentiment":"neutral","sentiment_score":0.1089834434290727,"channel":0,"num_words":72,"start":530.94,"end":558.27496},{"sentences":[{"text":"Yes.","start":558.8,"end":559.3,"sentiment":"neutral","sentiment_score":0.13699889183044434}],"sentiment":"neutral","sentiment_score":0.13699889183044434,"channel":1,"num_words":1,"start":558.8,"end":559.3},{"sentences":[{"text":"Grow a growth risk profile.","start":559.91003,"end":561.85004,"sentiment":"neutral","sentiment_score":0.16090115420520307},{"text":"So in our our previous conversation, you prob there was obviously a lot going on for you, and you were not able to answer some of the questions.","start":561.91003,"end":574.365,"sentiment":"neutral","sentiment_score":-0.16386770017977273},{"text":"So I just wanna make sure that you understand a growth risk profile and that you are 100% comfortable with it.","start":574.365,"end":581.485,"sentiment":"neutral","sentiment_score":0.005653098935172671},{"text":"So","start":581.485,"end":581.64496,"sentiment":"neutral","sentiment_score":0.050749871879816055}],"sentiment":"neutral","sentiment_score":-0.06571499789980324,"channel":0,"num_words":55,"start":559.91003,"end":581.64496},{"sentences":[{"text":"At","start":581.60504,"end":581.765,"sentiment":"neutral","sentiment_score":0.05649275332689285}],"sentiment":"neutral","sentiment_score":0.05649275332689285,"channel":1,"num_words":1,"start":581.60504,"end":581.765},{"sentences":[{"text":"I'm","start":581.64496,"end":581.805,"sentiment":"neutral","sentiment_score":0.0709175169467926}],"sentiment":"neutral","sentiment_score":0.0709175169467926,"channel":0,"num_words":1,"start":581.64496,"end":581.805},{"sentences":[{"text":"how","start":581.765,"end":582.005,"sentiment":"neutral","sentiment_score":0.06935717165470123}],"sentiment":"neutral","sentiment_score":0.06935717165470123,"channel":1,"num_words":1,"start":581.765,"end":582.005},{"sentences":[{"text":"just gonna","start":581.805,"end":582.285,"sentiment":"neutral","sentiment_score":0.04862121120095253}],"sentiment":"neutral","sentiment_score":0.04862121120095253,"channel":0,"num_words":2,"start":581.805,"end":582.285},{"sentences":[{"text":"you?","start":582.005,"end":582.505,"sentiment":"neutral","sentiment_score":0.04818980023264885}],"sentiment":"neutral","sentiment_score":0.04818980023264885,"channel":1,"num_words":1,"start":582.005,"end":582.505},{"sentences":[{"text":"spend a minute or two explaining a grow a growth risk profile to you.","start":582.285,"end":586.17,"sentiment":"neutral","sentiment_score":0.031227429530450275}],"sentiment":"neutral","sentiment_score":0.031227429530450275,"channel":0,"num_words":14,"start":582.285,"end":586.17},{"sentences":[{"text":"Yep.","start":586.38995,"end":586.88995,"sentiment":"neutral","sentiment_score":0.06687167286872864}],"sentiment":"neutral","sentiment_score":0.06687167286872864,"channel":1,"num_words":1,"start":586.38995,"end":586.88995},{"sentences":[{"text":"So what a gross risk profile is is that, typically, you would see about 80% of your assets allocated to growth, which is international and Australian shares and some property exposure.","start":588.41,"end":602.885,"sentiment":"neutral","sentiment_score":0.010203251795422646},{"text":"So some listed property with the remaining estimated 20% allocated to items like fixed interest and cash.","start":602.945,"end":611.125,"sentiment":"neutral","sentiment_score":-0.008638769059496768},{"text":"So they're more the income producing parts of your of your balance, whereas the growth is the part that experiences the most volatility.","start":611.185,"end":621.49005,"sentiment":"neutral","sentiment_score":-0.046802584944880044},{"text":"So","start":622.67004,"end":623.17004,"sentiment":"neutral","sentiment_score":-0.015646394342184067}],"sentiment":"neutral","sentiment_score":-0.012814779394830111,"channel":0,"num_words":72,"start":588.41,"end":623.17004},{"sentences":[{"text":"No.","start":622.86,"end":623.36,"sentiment":"neutral","sentiment_score":-0.11394692957401276}],"sentiment":"neutral","sentiment_score":-0.11394692957401276,"channel":1,"num_words":1,"start":622.86,"end":623.36},{"sentences":[{"text":"if you recall, I we went through a Vanguard, that lovely chart that shows","start":624.43005,"end":629.55005,"sentiment":"neutral","sentiment_score":-0.03725566768220493}],"sentiment":"neutral","sentiment_score":-0.03725566768220493,"channel":0,"num_words":14,"start":624.43005,"end":629.55005},{"sentences":[{"text":"Yes.","start":629.275,"end":629.775,"sentiment":"neutral","sentiment_score":-0.020083677023649216}],"sentiment":"neutral","sentiment_score":-0.020083677023649216,"channel":1,"num_words":1,"start":629.275,"end":629.775},{"sentences":[{"text":"the ups and downs of the market.","start":629.55005,"end":631.65,"sentiment":"neutral","sentiment_score":-0.13344064887080873},{"text":"So","start":632.235,"end":632.735,"sentiment":"neutral","sentiment_score":-0.0748329907655716}],"sentiment":"neutral","sentiment_score":-0.1261146916076541,"channel":0,"num_words":8,"start":629.55005,"end":632.735},{"sentences":[{"text":"Yes.","start":632.395,"end":632.895,"sentiment":"neutral","sentiment_score":-0.0479431115090847}],"sentiment":"neutral","sentiment_score":-0.0479431115090847,"channel":1,"num_words":1,"start":632.395,"end":632.895},{"sentences":[{"text":"those extremely volatile ones are is where 80% of your funds sit.","start":633.195,"end":638.575,"sentiment":"neutral","sentiment_score":-0.19864389797051749}],"sentiment":"neutral","sentiment_score":-0.19864389797051749,"channel":0,"num_words":12,"start":633.195,"end":638.575},{"sentences":[{"text":"Mhmm.","start":639.03503,"end":639.48,"sentiment":"neutral","sentiment_score":0.0015696985647082329}],"sentiment":"neutral","sentiment_score":0.0015696985647082329,"channel":1,"num_words":1,"start":639.03503,"end":639.48},{"sentences":[{"text":"What we say is that for a gross risk profile, you should be invested in that type of profile for a minimum of six years, what","start":639.195,"end":649.41,"sentiment":"neutral","sentiment_score":-0.028770259223305263}],"sentiment":"neutral","sentiment_score":-0.028770259223305263,"channel":0,"num_words":26,"start":639.195,"end":649.41},{"sentences":[{"text":"Mhmm.","start":649.39996,"end":649.89996,"sentiment":"neutral","sentiment_score":0.035461246967315674}],"sentiment":"neutral","sentiment_score":0.035461246967315674,"channel":1,"num_words":1,"start":649.39996,"end":649.89996},{"sentences":[{"text":"that does is it allows you to statistically withstand the market fluctuations and variations that we see.","start":649.41,"end":657.82996,"sentiment":"neutral","sentiment_score":0.04962689341867671},{"text":"And","start":658.29,"end":658.52997,"sentiment":"neutral","sentiment_score":-0.0702977105975151}],"sentiment":"neutral","sentiment_score":0.042964415417777166,"channel":0,"num_words":18,"start":649.41,"end":658.52997},{"sentences":[{"text":"Yes.","start":658.455,"end":658.955,"sentiment":"neutral","sentiment_score":-0.1205637753009796}],"sentiment":"neutral","sentiment_score":-0.1205637753009796,"channel":1,"num_words":1,"start":658.455,"end":658.955},{"sentences":[{"text":"then the likelihood of having a negative return in a gross portfolio is approximately one in every five years due to that volatility.","start":658.52997,"end":666.435,"sentiment":"negative","sentiment_score":-0.5373415765555009}],"sentiment":"negative","sentiment_score":-0.5373415765555009,"channel":0,"num_words":23,"start":658.52997,"end":666.435},{"sentences":[{"text":"Mhmm.","start":667.26996,"end":667.76996,"sentiment":"neutral","sentiment_score":-0.11349093914031982}],"sentiment":"neutral","sentiment_score":-0.11349093914031982,"channel":1,"num_words":1,"start":667.26996,"end":667.76996},{"sentences":[{"text":"So I think what I just wanna confirm is that you are you are comfortable with that.","start":668.335,"end":673.215,"sentiment":"neutral","sentiment_score":0.08794535827987335},{"text":"Do you understand?","start":673.215,"end":673.335,"sentiment":"neutral","sentiment_score":0.02084012081225713},{"text":"Do you have any questions?","start":673.335,"end":674.205,"sentiment":"neutral","sentiment_score":-0.11158837080001831},{"text":"Provide further anxiety or worry.","start":686.92,"end":689.915,"sentiment":"negative","sentiment_score":-0.4475967526435852}],"sentiment":"neutral","sentiment_score":-0.041277805467446645,"channel":0,"num_words":30,"start":668.335,"end":689.915},{"sentences":[{"text":"Yeah.","start":690.085,"end":690.405,"sentiment":"neutral","sentiment_score":-0.14634931087493896},{"text":"I guess everything's a risk really, isn't it, whether it goes into that or something else?","start":690.405,"end":694.53,"sentiment":"neutral","sentiment_score":-0.23579959105700254}],"sentiment":"neutral","sentiment_score":-0.23053780986982234,"channel":1,"num_words":17,"start":690.085,"end":694.53},{"sentences":[{"text":"Yeah.","start":695.415,"end":695.915,"sentiment":"neutral","sentiment_score":-0.09932232648134232},{"text":"So the the alternative I'll give you the alternative is is a balanced growth.","start":695.975,"end":701.22,"sentiment":"neutral","sentiment_score":-0.07327720097133092},{"text":"So that's the one below it.","start":701.22,"end":702.92,"sentiment":"neutral","sentiment_score":-0.04718367879589399}],"sentiment":"neutral","sentiment_score":-0.06706215299311138,"channel":0,"num_words":21,"start":695.415,"end":702.92},{"sentences":[{"text":"Mhmm.","start":703.17004,"end":703.67004,"sentiment":"neutral","sentiment_score":-0.05216465890407562}],"sentiment":"neutral","sentiment_score":-0.05216465890407562,"channel":1,"num_words":1,"start":703.17004,"end":703.67004},{"sentences":[{"text":"And, typically, it would be a seventy thirty split.","start":703.22,"end":706.51996,"sentiment":"neutral","sentiment_score":-0.1541165684660276},{"text":"So that would be 70% growth, 30% defensive.","start":706.89996,"end":710.6,"sentiment":"neutral","sentiment_score":-0.09915915597230196},{"text":"This one is more a a minimum of a five year time frame investment with a likelihood of a negative return in one in every six years.","start":711.69995,"end":723.52496,"sentiment":"negative","sentiment_score":-0.3631934236597132},{"text":"The variance of expected volatility is plus or minus 8%, whereas the variance for a growth for volatility is plus or minus 11%.","start":725.02496,"end":736.31995,"sentiment":"neutral","sentiment_score":-0.1957712508738041},{"text":"So there is a bit of a gap there.","start":736.62,"end":738.37994,"sentiment":"neutral","sentiment_score":-0.2916767332288954}],"sentiment":"neutral","sentiment_score":-0.25150492331503255,"channel":0,"num_words":76,"start":703.22,"end":738.37994},{"sentences":[{"text":"There's about a 3% gap,","start":738.37994,"end":740.16,"sentiment":"neutral","sentiment_score":-0.16782163083553314}],"sentiment":"neutral","sentiment_score":-0.16782163083553314,"channel":0,"num_words":5,"start":738.37994,"end":740.16},{"sentences":[{"text":"Mhmm.","start":740.97504,"end":741.47504,"sentiment":"neutral","sentiment_score":-0.08215812593698502}],"sentiment":"neutral","sentiment_score":-0.08215812593698502,"channel":1,"num_words":1,"start":740.97504,"end":741.47504},{"sentences":[{"text":"and you've got a 10 less exposure to growth assets and a 10% more exposure to defensive assets.","start":741.01996,"end":748.505,"sentiment":"neutral","sentiment_score":-0.13334662674201858},{"text":"So what yeah.","start":749.20496,"end":751.76495,"sentiment":"neutral","sentiment_score":0.14109226067860922},{"text":"I just need to confirm that you're happy with the growth or that you wanna look at taking a little bit less risk.","start":751.76495,"end":760.19,"sentiment":"positive","sentiment_score":0.4070672334536262},{"text":"Your time frame for retirement sits with easily within both of those.","start":762.89,"end":769.07,"sentiment":"positive","sentiment_score":0.6283884644508362},{"text":"It's just what you're comfortable with.","start":770.015,"end":774.115,"sentiment":"positive","sentiment_score":0.5168953885634741}],"sentiment":"neutral","sentiment_score":0.29076802862748025,"channel":0,"num_words":62,"start":741.01996,"end":774.115},{"sentences":[{"text":"Yeah.","start":775.54,"end":776.04,"sentiment":"neutral","sentiment_score":0.09640780836343764},{"text":"Hard, isn't it?","start":784.1,"end":785.16,"sentiment":"neutral","sentiment_score":0.0057245710243781405}],"sentiment":"neutral","sentiment_score":0.02839538035914302,"channel":1,"num_words":4,"start":775.54,"end":785.16},{"sentences":[{"text":"So what let me see.","start":788.35,"end":790.37,"sentiment":"neutral","sentiment_score":0.028573476523160935},{"text":"Going to see if my computer wants to participate with me today.","start":795.175,"end":799.755,"sentiment":"neutral","sentiment_score":0.058287657176454864},{"text":"I am looking.","start":804.695,"end":806.235,"sentiment":"neutral","sentiment_score":0.0334799587726593}],"sentiment":"neutral","sentiment_score":0.04713795725256205,"channel":0,"num_words":20,"start":788.35,"end":806.235},{"sentences":[{"text":"That's","start":809.705,"end":810.205,"sentiment":"neutral","sentiment_score":-0.10378032922744752}],"sentiment":"neutral","sentiment_score":-0.10378032922744752,"channel":1,"num_words":1,"start":809.705,"end":810.205},{"sentences":[{"text":"Sorry.","start":816.17,"end":816.57,"sentiment":"neutral","sentiment_score":-0.1399586796760559},{"text":"One second, Sharon.","start":816.57,"end":817.61,"sentiment":"neutral","sentiment_score":-0.0929148222009341},{"text":"It won't be a moment.","start":817.61,"end":818.75,"sentiment":"neutral","sentiment_score":-0.15397826731204986},{"text":"Oh, it's your birthday soon.","start":820.73,"end":822.35004,"sentiment":"neutral","sentiment_score":-0.02034580186009407}],"sentiment":"neutral","sentiment_score":-0.09216596372425556,"channel":0,"num_words":14,"start":816.17,"end":822.35004},{"sentences":[{"text":"okay.","start":822.185,"end":822.685,"sentiment":"neutral","sentiment_score":-0.008443363010883331},{"text":"Oh, no.","start":823.065,"end":823.545,"sentiment":"neutral","sentiment_score":-0.08596263825893402},{"text":"Yeah.","start":823.545,"end":823.945,"sentiment":"neutral","sentiment_score":-0.05988773703575134},{"text":"Not till next week, is it?","start":823.945,"end":825.09,"sentiment":"neutral","sentiment_score":-0.09035946428775787},{"text":"Or the week after.","start":826.05005,"end":827.11005,"sentiment":"neutral","sentiment_score":-0.06723191868513823}],"sentiment":"neutral","sentiment_score":-0.07509577407368592,"channel":1,"num_words":14,"start":822.185,"end":827.11005},{"sentences":[{"text":"Yes.","start":826.825,"end":827.325,"sentiment":"neutral","sentiment_score":0.0001658610999584198},{"text":"Yeah.","start":827.705,"end":828.025,"sentiment":"neutral","sentiment_score":-0.01250926312059164},{"text":"Next week, it","start":828.025,"end":829.065,"sentiment":"neutral","sentiment_score":-0.02263285219669342}],"sentiment":"neutral","sentiment_score":-0.016048391722142695,"channel":0,"num_words":5,"start":826.825,"end":829.065},{"sentences":[{"text":"Next","start":828.85004,"end":829.17004,"sentiment":"neutral","sentiment_score":-0.04044178128242493}],"sentiment":"neutral","sentiment_score":-0.04044178128242493,"channel":1,"num_words":1,"start":828.85004,"end":829.17004},{"sentences":[{"text":"looks","start":829.065,"end":829.565,"sentiment":"neutral","sentiment_score":-0.03333780914545059}],"sentiment":"neutral","sentiment_score":-0.03333780914545059,"channel":0,"num_words":1,"start":829.065,"end":829.565},{"sentences":[{"text":"week.","start":829.17004,"end":829.49005,"sentiment":"neutral","sentiment_score":-0.03615039959549904},{"text":"Yeah.","start":829.49005,"end":829.99005,"sentiment":"neutral","sentiment_score":-0.06485234946012497}],"sentiment":"neutral","sentiment_score":-0.050501374527812004,"channel":1,"num_words":2,"start":829.17004,"end":829.99005},{"sentences":[{"text":"like.","start":829.625,"end":830.125,"sentiment":"neutral","sentiment_score":-0.05611356720328331},{"text":"So you'll be turning 57.","start":832.185,"end":833.965,"sentiment":"neutral","sentiment_score":-0.05395260974764824},{"text":"So if you retire at 65, that's eight years away.","start":834.66504,"end":840.12006,"sentiment":"neutral","sentiment_score":-0.18494704365730286}],"sentiment":"neutral","sentiment_score":-0.13595919078215957,"channel":0,"num_words":16,"start":829.625,"end":840.12006},{"sentences":[{"text":"Yeah.","start":840.37006,"end":840.87006,"sentiment":"neutral","sentiment_score":-0.05185239017009735}],"sentiment":"neutral","sentiment_score":-0.05185239017009735,"channel":1,"num_words":1,"start":840.37006,"end":840.87006},{"sentences":[{"text":"So that's probably something to consider when thinking about comfort levels with the gross being a time frame of a minimum of six years and a balance gross being a minimum of five years.","start":844.18005,"end":855.57495,"sentiment":"neutral","sentiment_score":-0.0335186339695664},{"text":"And","start":856.19495,"end":856.435,"sentiment":"neutral","sentiment_score":0.010517649352550508}],"sentiment":"neutral","sentiment_score":-0.03226045444607735,"channel":0,"num_words":35,"start":844.18005,"end":856.435},{"sentences":[{"text":"Mhmm.","start":856.245,"end":856.65,"sentiment":"neutral","sentiment_score":0.017499692738056183}],"sentiment":"neutral","sentiment_score":0.017499692738056183,"channel":1,"num_words":1,"start":856.245,"end":856.65},{"sentences":[{"text":"the question, I think, probably that you need to ask yourself would be, do you are you comfortable with a six year or five year allocation to some growth assets to review after that time or as, you know, a retirement approaches.","start":856.435,"end":881.295,"sentiment":"neutral","sentiment_score":0.0133369021295082},{"text":"And because what happens is is as we as clients approach retirement, we do look at limiting and minimizing not minimizing.","start":882.63495,"end":891.45496,"sentiment":"neutral","sentiment_score":0.09153804360401063},{"text":"We do reduce exposure to growth assets and allocate some more to income because what happens in retirement is that we need income producing assets to produce that income for you without selling our growth assets that keeps","start":891.595,"end":907.13,"sentiment":"neutral","sentiment_score":0.1476135573496944}],"sentiment":"neutral","sentiment_score":0.08011647509318767,"channel":0,"num_words":101,"start":856.435,"end":907.13},{"sentences":[{"text":"Yes.","start":906.815,"end":907.315,"sentiment":"neutral","sentiment_score":0.21698275208473208}],"sentiment":"neutral","sentiment_score":0.21698275208473208,"channel":1,"num_words":1,"start":906.815,"end":907.315},{"sentences":[{"text":"your portfolio growing.","start":907.13,"end":908.655,"sentiment":"neutral","sentiment_score":0.26623280843098956}],"sentiment":"neutral","sentiment_score":0.26623280843098956,"channel":0,"num_words":3,"start":907.13,"end":908.655},{"sentences":[{"text":"Yes.","start":909.29504,"end":909.57,"sentiment":"neutral","sentiment_score":0.3196142315864563}],"sentiment":"neutral","sentiment_score":0.3196142315864563,"channel":1,"num_words":1,"start":909.29504,"end":909.57},{"sentences":[{"text":"So there's strategies as retirement approaches that we look at to make sure that you're invested correctly and in line with your time frame and and and more more importantly, your goals.","start":909.455,"end":924.275,"sentiment":"neutral","sentiment_score":0.33170868596062064}],"sentiment":"neutral","sentiment_score":0.33170868596062064,"channel":0,"num_words":32,"start":909.455,"end":924.275},{"sentences":[{"text":"Yes.","start":924.69,"end":925.155,"sentiment":"neutral","sentiment_score":0.01671207882463932}],"sentiment":"neutral","sentiment_score":0.01671207882463932,"channel":1,"num_words":1,"start":924.69,"end":925.155},{"sentences":[{"text":"So it's it's really a comfort a comfort thing.","start":924.77,"end":929.65,"sentiment":"positive","sentiment_score":0.7294231586986117},{"text":"So when I speak to clients, my my advice is it needs to pass the sleep at night test.","start":929.65,"end":941.40497,"sentiment":"positive","sentiment_score":0.35441342623610245},{"text":"If it continued to be invested as it is, are you confident and comfortable with that?","start":941.46497,"end":947.885,"sentiment":"neutral","sentiment_score":0.2536215865984559},{"text":"Are you so at the moment, the market's going through a little bit of an up and down.","start":948.505,"end":952.925,"sentiment":"neutral","sentiment_score":-0.11272036987874243}],"sentiment":"neutral","sentiment_score":0.24722003636340942,"channel":0,"num_words":62,"start":924.77,"end":952.925},{"sentences":[{"text":"Yes.","start":953.425,"end":953.925,"sentiment":"neutral","sentiment_score":0.043397560715675354}],"sentiment":"neutral","sentiment_score":0.043397560715675354,"channel":1,"num_words":1,"start":953.425,"end":953.925},{"sentences":[{"text":"Can you sit through that and be confident that you have time on your side, or does that give you a little bit pause for concern?","start":955.46497,"end":964.47,"sentiment":"neutral","sentiment_score":0.09540560440375255}],"sentiment":"neutral","sentiment_score":0.09540560440375255,"channel":0,"num_words":26,"start":955.46497,"end":964.47},{"sentences":[{"text":"I still have a cost concern there, maybe.","start":967.92,"end":970.26,"sentiment":"neutral","sentiment_score":-0.1730966791510582}],"sentiment":"neutral","sentiment_score":-0.1730966791510582,"channel":1,"num_words":8,"start":967.92,"end":970.26},{"sentences":[{"text":"Yeah.","start":971.01,"end":971.51,"sentiment":"neutral","sentiment_score":-0.014504838734865189},{"text":"Yeah.","start":971.81,"end":972.135,"sentiment":"neutral","sentiment_score":0.0049931351095438}],"sentiment":"neutral","sentiment_score":-0.004755851812660694,"channel":0,"num_words":2,"start":971.01,"end":972.135},{"sentences":[{"text":"That","start":973.76,"end":974.145,"sentiment":"neutral","sentiment_score":-0.0016901791095733645}],"sentiment":"neutral","sentiment_score":-0.0016901791095733645,"channel":1,"num_words":1,"start":973.76,"end":974.145},{"sentences":[{"text":"We can come back to it if you want some time to think about it.","start":978.695,"end":981.655,"sentiment":"neutral","sentiment_score":0.0500916043917338},{"text":"I'll go through the rest of the document.","start":981.655,"end":983.355,"sentiment":"neutral","sentiment_score":0.06525214714929461}],"sentiment":"neutral","sentiment_score":0.055364836655233216,"channel":0,"num_words":23,"start":978.695,"end":983.355},{"sentences":[{"text":"Okay.","start":983.905,"end":984.305,"sentiment":"neutral","sentiment_score":0.039326004683971405},{"text":"Yeah.","start":984.305,"end":984.805,"sentiment":"neutral","sentiment_score":0.022610904648900032}],"sentiment":"neutral","sentiment_score":0.03096845466643572,"channel":1,"num_words":2,"start":983.905,"end":984.805},{"sentences":[{"text":"And because it's a lot to it's a lot to to think about.","start":985.41504,"end":990.02,"sentiment":"neutral","sentiment_score":-0.020073570454349883},{"text":"What I also can do is just complete that risk profile again and give you my recommendation if you like.","start":992.0,"end":999.46,"sentiment":"neutral","sentiment_score":0.0924852317199111}],"sentiment":"neutral","sentiment_score":0.04814388540883859,"channel":0,"num_words":33,"start":985.41504,"end":999.46},{"sentences":[{"text":"Yeah.","start":1000.07,"end":1000.31,"sentiment":"neutral","sentiment_score":0.029994897544384003},{"text":"Maybe.","start":1000.31,"end":1000.81,"sentiment":"neutral","sentiment_score":0.032086413353681564},{"text":"Yeah.","start":1000.87,"end":1001.205,"sentiment":"neutral","sentiment_score":0.03522103279829025}],"sentiment":"neutral","sentiment_score":0.03243411456545194,"channel":1,"num_words":3,"start":1000.07,"end":1001.205},{"sentences":[{"text":"Yeah?","start":1001.68,"end":1002.16,"sentiment":"neutral","sentiment_score":0.034257397055625916},{"text":"Okay.","start":1002.16,"end":1002.66,"sentiment":"neutral","sentiment_score":0.04732813686132431}],"sentiment":"neutral","sentiment_score":0.04079276695847511,"channel":0,"num_words":2,"start":1001.68,"end":1002.66},{"sentences":[{"text":"Yeah.","start":1002.885,"end":1003.385,"sentiment":"neutral","sentiment_score":0.0716194361448288}],"sentiment":"neutral","sentiment_score":0.0716194361448288,"channel":1,"num_words":1,"start":1002.885,"end":1003.385},{"sentences":[{"text":"Let's go through that risk profile for you, Sharon.","start":1003.005,"end":1006.625,"sentiment":"neutral","sentiment_score":0.10875020051995914},{"text":"It won't be a second.","start":1006.765,"end":1007.645,"sentiment":"neutral","sentiment_score":0.06512127704918384},{"text":"I'm just gonna jump in and open that up.","start":1007.645,"end":1009.585,"sentiment":"neutral","sentiment_score":0.09034744153420131}],"sentiment":"neutral","sentiment_score":0.09206457233623318,"channel":0,"num_words":23,"start":1003.005,"end":1009.585},{"sentences":[{"text":"Yep.","start":1009.84503,"end":1010.34503,"sentiment":"neutral","sentiment_score":0.05809012055397034}],"sentiment":"neutral","sentiment_score":0.05809012055397034,"channel":1,"num_words":1,"start":1009.84503,"end":1010.34503},{"sentences":[{"text":"So these the questions that we we talked through last time.","start":1017.885,"end":1020.97,"sentiment":"neutral","sentiment_score":0.047696884382854805},{"text":"And so you probably will have a a it will it you will probably recall them.","start":1020.97,"end":1035.145,"sentiment":"neutral","sentiment_score":0.02663908456452191},{"text":"There's about seven questions.","start":1035.845,"end":1038.985,"sentiment":"neutral","sentiment_score":0.005236045923084021},{"text":"No right or wrong answer, just what your your answer is.","start":1039.9249,"end":1045.705,"sentiment":"neutral","sentiment_score":-0.14278118312358856},{"text":"So","start":1046.07,"end":1046.57,"sentiment":"neutral","sentiment_score":-0.0005384720861911774}],"sentiment":"neutral","sentiment_score":-0.013937121430455252,"channel":0,"num_words":43,"start":1017.885,"end":1046.57},{"sentences":[{"text":"Mhmm.","start":1046.08,"end":1046.58,"sentiment":"neutral","sentiment_score":0.0049419887363910675}],"sentiment":"neutral","sentiment_score":0.0049419887363910675,"channel":1,"num_words":1,"start":1046.08,"end":1046.58},{"sentences":[{"text":"what is the most aggressive investment you've ever made?","start":1047.11,"end":1050.1699,"sentiment":"neutral","sentiment_score":-0.011259251998530494},{"text":"Direct shares, managed funds, investment property, own home, or a bank account?","start":1050.39,"end":1056.09,"sentiment":"neutral","sentiment_score":-0.0004589441232383251}],"sentiment":"neutral","sentiment_score":-0.00508764749836354,"channel":0,"num_words":21,"start":1047.11,"end":1056.09},{"sentences":[{"text":"So I've actually put my personal money into.","start":1064.895,"end":1067.54,"sentiment":"neutral","sentiment_score":-0.018115813145413995}],"sentiment":"neutral","sentiment_score":-0.018115813145413995,"channel":1,"num_words":8,"start":1064.895,"end":1067.54},{"sentences":[{"text":"Yeah.","start":1068.885,"end":1069.125,"sentiment":"neutral","sentiment_score":-0.003265243023633957},{"text":"Anything that you've invested into.","start":1069.125,"end":1078.25,"sentiment":"neutral","sentiment_score":-0.023946738243103026}],"sentiment":"neutral","sentiment_score":-0.020499822373191517,"channel":0,"num_words":6,"start":1068.885,"end":1078.25},{"sentences":[{"text":"Nothing really, to be honest.","start":1084.255,"end":1085.795,"sentiment":"neutral","sentiment_score":-0.10199905037879944}],"sentiment":"neutral","sentiment_score":-0.10199905037879944,"channel":1,"num_words":5,"start":1084.255,"end":1085.795},{"sentences":[{"text":"So a bank account, would that be","start":1086.965,"end":1089.225,"sentiment":"neutral","sentiment_score":-0.031244112976959774}],"sentiment":"neutral","sentiment_score":-0.031244112976959774,"channel":0,"num_words":7,"start":1086.965,"end":1089.225},{"sentences":[{"text":"Oh, yeah.","start":1089.535,"end":1089.935,"sentiment":"neutral","sentiment_score":-0.013875177130103111},{"text":"Well, yeah.","start":1089.935,"end":1090.575,"sentiment":"neutral","sentiment_score":-0.02349530067294836},{"text":"Because yeah.","start":1090.575,"end":1091.135,"sentiment":"neutral","sentiment_score":-0.028936399146914482},{"text":"That might","start":1091.135,"end":1091.95,"sentiment":"neutral","sentiment_score":-0.0364282988011837}],"sentiment":"neutral","sentiment_score":-0.025683793937787414,"channel":1,"num_words":8,"start":1089.535,"end":1091.95},{"sentences":[{"text":"yep.","start":1092.005,"end":1092.505,"sentiment":"neutral","sentiment_score":-0.024942245334386826},{"text":"Okay.","start":1092.965,"end":1093.465,"sentiment":"neutral","sentiment_score":0.020734773948788643},{"text":"Oh, make sure I'm on the right sheet there.","start":1094.725,"end":1096.79,"sentiment":"neutral","sentiment_score":0.04137841591404544}],"sentiment":"neutral","sentiment_score":0.033472570167346435,"channel":0,"num_words":11,"start":1092.005,"end":1096.79},{"sentences":[{"text":"be yeah.","start":1096.4,"end":1097.4,"sentiment":"neutral","sentiment_score":0.041758615523576736}],"sentiment":"neutral","sentiment_score":0.041758615523576736,"channel":1,"num_words":2,"start":1096.4,"end":1097.4},{"sentences":[{"text":"Filling in the right section.","start":1097.3301,"end":1098.63,"sentiment":"neutral","sentiment_score":0.05340916365385055},{"text":"Once your investments have been placed, so this is we're referring to your superannuation now, how long would it be before you need to access the capital?","start":1099.41,"end":1108.2301,"sentiment":"neutral","sentiment_score":-0.005591800781311812},{"text":"Longer than ten years, between seven to nine, between '4 to six, or between '2 to three, or less than two?","start":1108.77,"end":1116.395,"sentiment":"neutral","sentiment_score":-0.038650523782486006}],"sentiment":"neutral","sentiment_score":-0.013124411363365516,"channel":0,"num_words":53,"start":1097.3301,"end":1116.395},{"sentences":[{"text":"Probably '79.","start":1117.865,"end":1119.15,"sentiment":"neutral","sentiment_score":-0.004858246888034046}],"sentiment":"neutral","sentiment_score":-0.004858246888034046,"channel":1,"num_words":2,"start":1117.865,"end":1119.15},{"sentences":[{"text":"Yep.","start":1119.815,"end":1120.315,"sentiment":"neutral","sentiment_score":0.2418310344219208},{"text":"Fantastic.","start":1120.375,"end":1120.875,"sentiment":"positive","sentiment_score":0.6613560914993286},{"text":"So the next question is inflation means things are getting more expensive over time, making our money worth less.","start":1121.975,"end":1129.32,"sentiment":"neutral","sentiment_score":-0.1396770104765892},{"text":"How","start":1129.94,"end":1130.18,"sentiment":"neutral","sentiment_score":-0.08088798075914383}],"sentiment":"neutral","sentiment_score":-0.08325291154059497,"channel":0,"num_words":22,"start":1119.815,"end":1130.18},{"sentences":[{"text":"Mhmm.","start":1129.9501,"end":1130.4501,"sentiment":"neutral","sentiment_score":-0.06862613558769226}],"sentiment":"neutral","sentiment_score":-0.06862613558769226,"channel":1,"num_words":1,"start":1129.9501,"end":1130.4501},{"sentences":[{"text":"much risk are you willing to take to keep up with rising prices?","start":1130.18,"end":1135.08,"sentiment":"neutral","sentiment_score":-0.13777009512369448},{"text":"Would you be willing to accept a very high risk, willing to accept high risk, a moderate risk, a small amount of risk, or none?","start":1135.78,"end":1145.505,"sentiment":"neutral","sentiment_score":-0.12153711944818496}],"sentiment":"neutral","sentiment_score":-0.12709050586349085,"channel":0,"num_words":38,"start":1130.18,"end":1145.505},{"sentences":[{"text":"I'm probably moderate.","start":1146.25,"end":1147.23,"sentiment":"neutral","sentiment_score":-0.015189473827679953}],"sentiment":"neutral","sentiment_score":-0.015189473827679953,"channel":1,"num_words":3,"start":1146.25,"end":1147.23},{"sentences":[{"text":"Moderate?","start":1147.965,"end":1148.465,"sentiment":"neutral","sentiment_score":-0.0029265235643833876},{"text":"Okay.","start":1148.765,"end":1149.265,"sentiment":"neutral","sentiment_score":0.05555594339966774}],"sentiment":"neutral","sentiment_score":0.026314709917642176,"channel":0,"num_words":2,"start":1147.965,"end":1149.265},{"sentences":[{"text":"Yeah.","start":1149.21,"end":1149.71,"sentiment":"neutral","sentiment_score":0.18967486917972565}],"sentiment":"neutral","sentiment_score":0.18967486917972565,"channel":1,"num_words":1,"start":1149.21,"end":1149.71},{"sentences":[{"text":"Beautiful.","start":1149.3251,"end":1149.8251,"sentiment":"positive","sentiment_score":0.4831957519054413},{"text":"And the next question is, in months' time, how would you feel if you found out your portfolio decreased by 20% due to trends in the financial market?","start":1151.645,"end":1162.54,"sentiment":"neutral","sentiment_score":-0.07935142650135926},{"text":"So if you think of that Vanguard chart, would you, number one, invest heavily for growth, invest modestly for growth, hold and weight improvement, shift your assets to defensive ones to minimize losses, or would you convert to cash?","start":1162.54,"end":1181.94,"sentiment":"neutral","sentiment_score":-0.04103449970865861}],"sentiment":"neutral","sentiment_score":-0.049102789393680936,"channel":0,"num_words":68,"start":1149.3251,"end":1181.94},{"sentences":[{"text":"I don't know the answer to that one.","start":1186.605,"end":1188.465,"sentiment":"neutral","sentiment_score":-0.19466262869536877}],"sentiment":"neutral","sentiment_score":-0.19466262869536877,"channel":1,"num_words":8,"start":1186.605,"end":1188.465},{"sentences":[{"text":"Yeah.","start":1189.1399,"end":1189.6399,"sentiment":"neutral","sentiment_score":-0.09081938862800598},{"text":"So if your","start":1191.22,"end":1191.94,"sentiment":"neutral","sentiment_score":-0.10857363790273666}],"sentiment":"neutral","sentiment_score":-0.104135075584054,"channel":0,"num_words":4,"start":1189.1399,"end":1191.94},{"sentences":[{"text":"I don't","start":1191.725,"end":1192.125,"sentiment":"neutral","sentiment_score":-0.14053262025117874}],"sentiment":"neutral","sentiment_score":-0.14053262025117874,"channel":1,"num_words":2,"start":1191.725,"end":1192.125},{"sentences":[{"text":"portfolio","start":1191.94,"end":1192.44,"sentiment":"neutral","sentiment_score":-0.2215237021446228}],"sentiment":"neutral","sentiment_score":-0.2215237021446228,"channel":0,"num_words":1,"start":1191.94,"end":1192.44},{"sentences":[{"text":"know.","start":1192.125,"end":1192.625,"sentiment":"neutral","sentiment_score":-0.11588817089796066}],"sentiment":"neutral","sentiment_score":-0.11588817089796066,"channel":1,"num_words":1,"start":1192.125,"end":1192.625},{"sentences":[{"text":"decreased 20% today, what would you do?","start":1192.74,"end":1197.645,"sentiment":"neutral","sentiment_score":-0.17893257417849132}],"sentiment":"neutral","sentiment_score":-0.17893257417849132,"channel":0,"num_words":7,"start":1192.74,"end":1197.645},{"sentences":[{"text":"Yeah.","start":1198.2051,"end":1198.7051,"sentiment":"neutral","sentiment_score":-0.07672412693500519},{"text":"Red.","start":1199.245,"end":1199.745,"sentiment":"neutral","sentiment_score":-0.1107204332947731}],"sentiment":"neutral","sentiment_score":-0.09372228011488914,"channel":1,"num_words":2,"start":1198.2051,"end":1199.745},{"sentences":[{"text":"Sorry?","start":1200.905,"end":1201.405,"sentiment":"neutral","sentiment_score":-0.11868733167648315}],"sentiment":"neutral","sentiment_score":-0.11868733167648315,"channel":0,"num_words":1,"start":1200.905,"end":1201.405},{"sentences":[{"text":"Yes.","start":1202.27,"end":1202.77,"sentiment":"neutral","sentiment_score":-0.08799658715724945}],"sentiment":"neutral","sentiment_score":-0.08799658715724945,"channel":1,"num_words":1,"start":1202.27,"end":1202.77},{"sentences":[{"text":"Stress.","start":1204.825,"end":1205.225,"sentiment":"neutral","sentiment_score":-0.12247809767723083},{"text":"Yeah.","start":1205.225,"end":1205.5449,"sentiment":"neutral","sentiment_score":-0.061058200895786285},{"text":"Yeah.","start":1205.5449,"end":1205.865,"sentiment":"neutral","sentiment_score":-0.05974448472261429},{"text":"I think we all probably would.","start":1205.865,"end":1207.53,"sentiment":"neutral","sentiment_score":-0.08625359957416852},{"text":"But would would you would you ring me and say, what would we do?","start":1207.77,"end":1212.3301,"sentiment":"neutral","sentiment_score":-0.14448401119027818}],"sentiment":"neutral","sentiment_score":-0.12102515380019727,"channel":0,"num_words":23,"start":1204.825,"end":1212.3301},{"sentences":[{"text":"What should I do?","start":1212.3301,"end":1213.29,"sentiment":"neutral","sentiment_score":-0.18101967871189117},{"text":"Or would you ring and say, I wanna move or I wanna sell all my growth assets and put it in defensive assets or put it all in cash?","start":1213.29,"end":1221.29,"sentiment":"neutral","sentiment_score":-0.1408669550357194},{"text":"What do you think you would do?","start":1221.29,"end":1222.755,"sentiment":"neutral","sentiment_score":-0.12392891411270414}],"sentiment":"neutral","sentiment_score":-0.14191807024180889,"channel":0,"num_words":40,"start":1212.3301,"end":1222.755},{"sentences":[{"text":"Probably ring you and ask you your advice what we should do.","start":1223.725,"end":1226.46,"sentiment":"neutral","sentiment_score":-0.13994394056499004}],"sentiment":"neutral","sentiment_score":-0.13994394056499004,"channel":1,"num_words":12,"start":1223.725,"end":1226.46},{"sentences":[{"text":"Yes.","start":1227.3151,"end":1227.795,"sentiment":"neutral","sentiment_score":-0.005527522414922714},{"text":"Okay.","start":1227.795,"end":1228.295,"sentiment":"neutral","sentiment_score":-0.0182739682495594},{"text":"My advice would be hold","start":1229.075,"end":1231.335,"sentiment":"neutral","sentiment_score":-0.026557717472314835}],"sentiment":"neutral","sentiment_score":-0.02237001114657947,"channel":0,"num_words":7,"start":1227.3151,"end":1231.335},{"sentences":[{"text":"Yes.","start":1232.38,"end":1232.88,"sentiment":"neutral","sentiment_score":-0.011120295152068138}],"sentiment":"neutral","sentiment_score":-0.011120295152068138,"channel":1,"num_words":1,"start":1232.38,"end":1232.88},{"sentences":[{"text":"because the reason being is that we don't wanna sell our growth assets at a loss.","start":1232.595,"end":1238.7,"sentiment":"neutral","sentiment_score":-0.13942678412422538}],"sentiment":"neutral","sentiment_score":-0.13942678412422538,"channel":0,"num_words":16,"start":1232.595,"end":1238.7},{"sentences":[{"text":"Yes.","start":1239.6599,"end":1240.1599,"sentiment":"neutral","sentiment_score":0.03044398687779903}],"sentiment":"neutral","sentiment_score":0.03044398687779903,"channel":1,"num_words":1,"start":1239.6599,"end":1240.1599},{"sentences":[{"text":"Does that make sense?","start":1240.7,"end":1241.84,"sentiment":"neutral","sentiment_score":0.012254894711077213}],"sentiment":"neutral","sentiment_score":0.012254894711077213,"channel":0,"num_words":4,"start":1240.7,"end":1241.84},{"sentences":[{"text":"Exasius.","start":1242.345,"end":1242.845,"sentiment":"neutral","sentiment_score":0.012193337082862854}],"sentiment":"neutral","sentiment_score":0.012193337082862854,"channel":1,"num_words":1,"start":1242.345,"end":1242.845},{"sentences":[{"text":"Okay.","start":1243.82,"end":1244.32,"sentiment":"neutral","sentiment_score":0.043819308280944824},{"text":"The next question is what kind of return do you expect to get from your investments over the long term?","start":1245.1799,"end":1251.6,"sentiment":"neutral","sentiment_score":0.05362189244478941},{"text":"8% above, six to 8%, four to six, or two to 4%.","start":1252.0599,"end":1257.715,"sentiment":"neutral","sentiment_score":0.047487602258721985},{"text":"It's there's no right or wrong answer.","start":1263.855,"end":1265.295,"sentiment":"neutral","sentiment_score":-0.045650726184248924},{"text":"It's just what you would like.","start":1265.295,"end":1266.45,"sentiment":"neutral","sentiment_score":0.10768317803740501}],"sentiment":"neutral","sentiment_score":0.04375331237426271,"channel":0,"num_words":46,"start":1243.82,"end":1266.45},{"sentences":[{"text":"The highest.","start":1270.005,"end":1270.665,"sentiment":"neutral","sentiment_score":0.11307279020547867}],"sentiment":"neutral","sentiment_score":0.11307279020547867,"channel":1,"num_words":2,"start":1270.005,"end":1270.665},{"sentences":[{"text":"Yep.","start":1271.73,"end":1272.13,"sentiment":"neutral","sentiment_score":0.15424415469169617},{"text":"That's fine.","start":1272.13,"end":1272.87,"sentiment":"neutral","sentiment_score":0.2418626993894577},{"text":"Then so the next question is, have your investments, including your superannuation ever dropped in value?","start":1275.4099,"end":1282.9851,"sentiment":"neutral","sentiment_score":-0.019304366724099964},{"text":"And if yes, how did it make you feel?","start":1283.765,"end":1286.5851,"sentiment":"neutral","sentiment_score":0.014045338249868818},{"text":"Optimistic about the future investments, cautious with no further investments planned, concerned, highly anxious and seeking advice, or seeking to maintain losses.","start":1287.8451,"end":1300.64,"sentiment":"neutral","sentiment_score":-0.32866708375513554}],"sentiment":"neutral","sentiment_score":-0.135503362249583,"channel":0,"num_words":50,"start":1271.73,"end":1300.64},{"sentences":[{"text":"Was it concerned?","start":1307.275,"end":1308.655,"sentiment":"neutral","sentiment_score":-0.1353954871495565},{"text":"Taking advice?","start":1308.795,"end":1309.515,"sentiment":"neutral","sentiment_score":-0.169521726667881},{"text":"Was that right?","start":1309.515,"end":1310.31,"sentiment":"neutral","sentiment_score":-0.09404345353444417},{"text":"Would you say?","start":1310.39,"end":1311.2101,"sentiment":"neutral","sentiment_score":-0.08449938396612804}],"sentiment":"neutral","sentiment_score":-0.11644167520783165,"channel":1,"num_words":11,"start":1307.275,"end":1311.2101},{"sentences":[{"text":"So that yes.","start":1311.175,"end":1311.895,"sentiment":"neutral","sentiment_score":-0.07908813655376434},{"text":"So that's two separate ones.","start":1311.895,"end":1313.015,"sentiment":"neutral","sentiment_score":-0.11611545830965042},{"text":"So it's concerned or highly anxious and seeking advice.","start":1313.015,"end":1317.355,"sentiment":"neutral","sentiment_score":-0.28700241612063515}],"sentiment":"neutral","sentiment_score":-0.20005079095854478,"channel":0,"num_words":17,"start":1311.175,"end":1317.355},{"sentences":[{"text":"Oh,","start":1317.4701,"end":1317.9701,"sentiment":"neutral","sentiment_score":-0.07397247850894928}],"sentiment":"neutral","sentiment_score":-0.07397247850894928,"channel":1,"num_words":1,"start":1317.4701,"end":1317.9701},{"sentences":[{"text":"So you could be concerned and seeking advice, or would you be highly anxious and seeking advice?","start":1318.455,"end":1323.275,"sentiment":"neutral","sentiment_score":-0.11285988986492157}],"sentiment":"neutral","sentiment_score":-0.11285988986492157,"channel":0,"num_words":17,"start":1318.455,"end":1323.275},{"sentences":[{"text":"no.","start":1324.2301,"end":1324.39,"sentiment":"neutral","sentiment_score":-0.14065854251384735},{"text":"I'd just be concerned.","start":1324.39,"end":1325.3701,"sentiment":"neutral","sentiment_score":-0.15566715225577354}],"sentiment":"neutral","sentiment_score":-0.1526654303073883,"channel":1,"num_words":5,"start":1324.2301,"end":1325.3701},{"sentences":[{"text":"Yep.","start":1326.3401,"end":1326.8201,"sentiment":"neutral","sentiment_score":-0.010864613577723505},{"text":"Okay.","start":1326.8201,"end":1327.3201,"sentiment":"neutral","sentiment_score":-0.014622596092522144}],"sentiment":"neutral","sentiment_score":-0.012743604835122824,"channel":0,"num_words":2,"start":1326.3401,"end":1327.3201},{"sentences":[{"text":"I mean, I'm not","start":1327.465,"end":1328.105,"sentiment":"neutral","sentiment_score":-0.03478370187804103}],"sentiment":"neutral","sentiment_score":-0.03478370187804103,"channel":1,"num_words":4,"start":1327.465,"end":1328.105},{"sentences":[{"text":"And","start":1328.1001,"end":1328.6001,"sentiment":"neutral","sentiment_score":-0.04696817323565483}],"sentiment":"neutral","sentiment_score":-0.04696817323565483,"channel":0,"num_words":1,"start":1328.1001,"end":1328.6001},{"sentences":[{"text":"in the case.","start":1328.105,"end":1328.585,"sentiment":"neutral","sentiment_score":-0.052779484540224075},{"text":"They're long yeah.","start":1328.585,"end":1330.375,"sentiment":"neutral","sentiment_score":-0.04028487205505371}],"sentiment":"neutral","sentiment_score":-0.04653217829763889,"channel":1,"num_words":6,"start":1328.105,"end":1330.375},{"sentences":[{"text":"yeah.","start":1330.5801,"end":1331.0801,"sentiment":"neutral","sentiment_score":0.00959695503115654},{"text":"That's okay.","start":1331.14,"end":1332.02,"sentiment":"neutral","sentiment_score":0.07159621641039848},{"text":"And the last one is, have you ever thought about taking out a loan to invest to borrow for shares or an investment property or only for your principal place of residence?","start":1332.02,"end":1345.515,"sentiment":"neutral","sentiment_score":0.0020594231609720737}],"sentiment":"neutral","sentiment_score":0.006248312257230282,"channel":0,"num_words":35,"start":1330.5801,"end":1345.515},{"sentences":[{"text":"I have for investment","start":1348.2001,"end":1349.9,"sentiment":"neutral","sentiment_score":0.009435111889615655}],"sentiment":"neutral","sentiment_score":0.009435111889615655,"channel":1,"num_words":4,"start":1348.2001,"end":1349.9},{"sentences":[{"text":"Yep.","start":1349.8949,"end":1350.03,"sentiment":"neutral","sentiment_score":0.018286002799868584}],"sentiment":"neutral","sentiment_score":0.018286002799868584,"channel":0,"num_words":1,"start":1349.8949,"end":1350.03},{"sentences":[{"text":"property.","start":1349.96,"end":1350.46,"sentiment":"neutral","sentiment_score":0.03305264562368393}],"sentiment":"neutral","sentiment_score":0.03305264562368393,"channel":1,"num_words":1,"start":1349.96,"end":1350.46},{"sentences":[{"text":"Yep.","start":1351.23,"end":1351.73,"sentiment":"neutral","sentiment_score":0.08911287039518356},{"text":"Okay.","start":1352.5901,"end":1353.0901,"sentiment":"neutral","sentiment_score":0.2426966428756714},{"text":"Fantastic.","start":1353.87,"end":1354.37,"sentiment":"positive","sentiment_score":0.5031940937042236},{"text":"Alright.","start":1354.91,"end":1355.39,"sentiment":"neutral","sentiment_score":0.2945818603038788},{"text":"So you came out as a moderate investor.","start":1355.39,"end":1357.89,"sentiment":"neutral","sentiment_score":0.18071896396577358}],"sentiment":"neutral","sentiment_score":0.21461143158376217,"channel":0,"num_words":12,"start":1351.23,"end":1357.89},{"sentences":[{"text":"So that is the one below growth,","start":1358.8301,"end":1361.0901,"sentiment":"neutral","sentiment_score":0.08254732617310115}],"sentiment":"neutral","sentiment_score":0.08254732617310115,"channel":0,"num_words":7,"start":1358.8301,"end":1361.0901},{"sentences":[{"text":"Mhmm.","start":1361.875,"end":1362.375,"sentiment":"neutral","sentiment_score":0.0926629975438118}],"sentiment":"neutral","sentiment_score":0.0926629975438118,"channel":1,"num_words":1,"start":1361.875,"end":1362.375},{"sentences":[{"text":"which is","start":1362.35,"end":1362.99,"sentiment":"neutral","sentiment_score":0.051357632502913475}],"sentiment":"neutral","sentiment_score":0.051357632502913475,"channel":0,"num_words":2,"start":1362.35,"end":1362.99},{"sentences":[{"text":"Mhmm.","start":1362.69,"end":1363.19,"sentiment":"neutral","sentiment_score":0.05783269554376602}],"sentiment":"neutral","sentiment_score":0.05783269554376602,"channel":1,"num_words":1,"start":1362.69,"end":1363.19},{"sentences":[{"text":"the 70 to 30% allocation.","start":1362.99,"end":1367.465,"sentiment":"neutral","sentiment_score":0.04305191412568092},{"text":"My advice","start":1369.925,"end":1370.585,"sentiment":"neutral","sentiment_score":0.03497890196740627}],"sentiment":"neutral","sentiment_score":0.04074533922331674,"channel":0,"num_words":7,"start":1362.99,"end":1370.585},{"sentences":[{"text":"Yes.","start":1370.6475,"end":1371.1475,"sentiment":"neutral","sentiment_score":0.08567216992378235}],"sentiment":"neutral","sentiment_score":0.08567216992378235,"channel":1,"num_words":1,"start":1370.6475,"end":1371.1475},{"sentences":[{"text":"as an adviser is to maintain your current risk profile being a growth.","start":1371.365,"end":1377.305,"sentiment":"neutral","sentiment_score":0.03998327398529419},{"text":"It is a difference of a 10% allocation to growth assets.","start":1377.765,"end":1381.6901,"sentiment":"neutral","sentiment_score":0.030756552280350166},{"text":"So instead of 70%, it would be","start":1382.31,"end":1385.11,"sentiment":"neutral","sentiment_score":0.03145138121076992}],"sentiment":"neutral","sentiment_score":0.034782719528002125,"channel":0,"num_words":31,"start":1371.365,"end":1385.11},{"sentences":[{"text":"Mhmm.","start":1385.005,"end":1385.505,"sentiment":"neutral","sentiment_score":0.02610471472144127}],"sentiment":"neutral","sentiment_score":0.02610471472144127,"channel":1,"num_words":1,"start":1385.005,"end":1385.505},{"sentences":[{"text":"80%.","start":1385.11,"end":1386.01,"sentiment":"neutral","sentiment_score":0.03525417298078537}],"sentiment":"neutral","sentiment_score":0.03525417298078537,"channel":0,"num_words":1,"start":1385.11,"end":1386.01},{"sentences":[{"text":"Yep.","start":1386.445,"end":1386.945,"sentiment":"neutral","sentiment_score":0.08878358453512192}],"sentiment":"neutral","sentiment_score":0.08878358453512192,"channel":1,"num_words":1,"start":1386.445,"end":1386.945},{"sentences":[{"text":"You do have the time on your side","start":1386.63,"end":1389.4501,"sentiment":"neutral","sentiment_score":0.07878372818231583}],"sentiment":"neutral","sentiment_score":0.07878372818231583,"channel":0,"num_words":8,"start":1386.63,"end":1389.4501},{"sentences":[{"text":"Yeah.","start":1389.965,"end":1390.465,"sentiment":"neutral","sentiment_score":0.07368442416191101}],"sentiment":"neutral","sentiment_score":0.07368442416191101,"channel":1,"num_words":1,"start":1389.965,"end":1390.465},{"sentences":[{"text":"to withstand the market fluctuations.","start":1390.47,"end":1392.97,"sentiment":"neutral","sentiment_score":0.04540539309382439},{"text":"And the and the benefit is is that at our regular reviews, we revisit this conversation every single time.","start":1395.375,"end":1403.7151,"sentiment":"neutral","sentiment_score":0.171439029276371},{"text":"So it's not","start":1403.8551,"end":1404.4951,"sentiment":"neutral","sentiment_score":-0.02696726657450199}],"sentiment":"neutral","sentiment_score":0.12605432303691352,"channel":0,"num_words":27,"start":1390.47,"end":1404.4951},{"sentences":[{"text":"Yes.","start":1404.3,"end":1404.705,"sentiment":"neutral","sentiment_score":-0.02380933053791523}],"sentiment":"neutral","sentiment_score":-0.02380933053791523,"channel":1,"num_words":1,"start":1404.3,"end":1404.705},{"sentences":[{"text":"something that we're gonna set and forget.","start":1404.4951,"end":1406.435,"sentiment":"neutral","sentiment_score":-0.064614152269704},{"text":"You have been in a gross portfolio for quite some time.","start":1408.91,"end":1412.43,"sentiment":"neutral","sentiment_score":-0.015185470100153576},{"text":"Your q super is also invest in a gross portfolio, probably","start":1412.43,"end":1417.55,"sentiment":"neutral","sentiment_score":0.050849619236859406}],"sentiment":"neutral","sentiment_score":-0.002068738806350478,"channel":0,"num_words":29,"start":1404.4951,"end":1417.55},{"sentences":[{"text":"Mhmm.","start":1417.265,"end":1417.71,"sentiment":"neutral","sentiment_score":0.029741663485765457}],"sentiment":"neutral","sentiment_score":0.029741663485765457,"channel":1,"num_words":1,"start":1417.265,"end":1417.71},{"sentences":[{"text":"a little bit higher than the the hub twenty four one.","start":1417.55,"end":1423.115,"sentiment":"neutral","sentiment_score":0.015345649793744087},{"text":"So I","start":1423.415,"end":1423.7351,"sentiment":"neutral","sentiment_score":0.07380451634526253}],"sentiment":"neutral","sentiment_score":0.02433932157090077,"channel":0,"num_words":13,"start":1417.55,"end":1423.7351},{"sentences":[{"text":"Mhmm.","start":1423.71,"end":1424.21,"sentiment":"neutral","sentiment_score":0.1069859266281128}],"sentiment":"neutral","sentiment_score":0.1069859266281128,"channel":1,"num_words":1,"start":1423.71,"end":1424.21},{"sentences":[{"text":"think your your my opinion is that you'll adapt to fluctuation, market fluctuation, that having somebody to talk these things through is extremely beneficial for you.","start":1423.7351,"end":1438.63,"sentiment":"neutral","sentiment_score":0.224851887100018}],"sentiment":"neutral","sentiment_score":0.224851887100018,"channel":0,"num_words":26,"start":1423.7351,"end":1438.63},{"sentences":[{"text":"Absolutely.","start":1438.9651,"end":1439.4651,"sentiment":"neutral","sentiment_score":0.2239675670862198},{"text":"Yes.","start":1439.6051,"end":1440.1051,"sentiment":"neutral","sentiment_score":0.19006678462028503}],"sentiment":"neutral","sentiment_score":0.2070171758532524,"channel":1,"num_words":2,"start":1438.9651,"end":1440.1051},{"sentences":[{"text":"So my recommendation is to maintain a growth portfolio solely because it's gonna give you that opportunity to continue growing your retirement savings","start":1440.85,"end":1450.47,"sentiment":"neutral","sentiment_score":0.2425615651452023}],"sentiment":"neutral","sentiment_score":0.2425615651452023,"channel":0,"num_words":23,"start":1440.85,"end":1450.47},{"sentences":[{"text":"Yep.","start":1451.0599,"end":1451.5599,"sentiment":"neutral","sentiment_score":0.13254889845848083}],"sentiment":"neutral","sentiment_score":0.13254889845848083,"channel":1,"num_words":1,"start":1451.0599,"end":1451.5599},{"sentences":[{"text":"whilst taking a slightly higher approach to growth assets compared to a moderate profile of 10%.","start":1451.265,"end":1463.125,"sentiment":"neutral","sentiment_score":0.11425576265901327}],"sentiment":"neutral","sentiment_score":0.11425576265901327,"channel":0,"num_words":16,"start":1451.265,"end":1463.125},{"sentences":[{"text":"Yes.","start":1463.715,"end":1464.115,"sentiment":"neutral","sentiment_score":0.13887226581573486},{"text":"That's fine.","start":1464.115,"end":1464.9349,"sentiment":"neutral","sentiment_score":0.19256843626499176}],"sentiment":"neutral","sentiment_score":0.17466971278190613,"channel":1,"num_words":3,"start":1463.715,"end":1464.9349},{"sentences":[{"text":"Are you comfortable with","start":1465.425,"end":1466.79,"sentiment":"neutral","sentiment_score":0.11535592749714851}],"sentiment":"neutral","sentiment_score":0.11535592749714851,"channel":0,"num_words":4,"start":1465.425,"end":1466.79},{"sentences":[{"text":"Yes.","start":1467.475,"end":1467.875,"sentiment":"neutral","sentiment_score":0.12491630017757416},{"text":"Yes.","start":1467.875,"end":1468.375,"sentiment":"neutral","sentiment_score":0.09862839430570602}],"sentiment":"neutral","sentiment_score":0.11177234724164009,"channel":1,"num_words":2,"start":1467.475,"end":1468.375},{"sentences":[{"text":"that?","start":1468.31,"end":1468.81,"sentiment":"neutral","sentiment_score":0.087122842669487},{"text":"Okay.","start":1469.11,"end":1469.61,"sentiment":"neutral","sentiment_score":0.0409850999712944},{"text":"Alright.","start":1469.67,"end":1470.15,"sentiment":"neutral","sentiment_score":-0.1433182954788208},{"text":"I just needed to make sure because I I don't want to recommend something that you're not fully aware of or comfortable with?","start":1470.15,"end":1482.025,"sentiment":"negative","sentiment_score":-0.350160235296125}],"sentiment":"neutral","sentiment_score":-0.31034214479418903,"channel":0,"num_words":26,"start":1468.31,"end":1482.025},{"sentences":[{"text":"No.","start":1481.89,"end":1482.21,"sentiment":"negative","sentiment_score":-0.33903414011001587}],"sentiment":"negative","sentiment_score":-0.33903414011001587,"channel":1,"num_words":1,"start":1481.89,"end":1482.21},{"sentences":[{"text":"Yeah.","start":1482.025,"end":1482.525,"sentiment":"neutral","sentiment_score":-0.2199879884719849}],"sentiment":"neutral","sentiment_score":-0.2199879884719849,"channel":0,"num_words":1,"start":1482.025,"end":1482.525},{"sentences":[{"text":"No.","start":1482.21,"end":1482.53,"sentiment":"neutral","sentiment_score":-0.23851212859153748},{"text":"I'm so glad that you say that.","start":1482.53,"end":1484.005,"sentiment":"neutral","sentiment_score":0.14538186229765415},{"text":"Yeah.","start":1484.005,"end":1484.085,"sentiment":"neutral","sentiment_score":0.08873254805803299},{"text":"No.","start":1484.085,"end":1484.325,"sentiment":"neutral","sentiment_score":-0.09425809234380722},{"text":"I'm happy with that.","start":1484.325,"end":1485.0449,"sentiment":"neutral","sentiment_score":0.0030827224254608154}],"sentiment":"neutral","sentiment_score":0.05614044663629362,"channel":1,"num_words":14,"start":1482.21,"end":1485.0449},{"sentences":[{"text":"That's fine.","start":1485.0449,"end":1485.865,"sentiment":"neutral","sentiment_score":0.205104298889637}],"sentiment":"neutral","sentiment_score":0.205104298889637,"channel":1,"num_words":2,"start":1485.0449,"end":1485.865},{"sentences":[{"text":"Okay.","start":1486.425,"end":1486.905,"sentiment":"neutral","sentiment_score":0.2360578775405884},{"text":"Alright.","start":1486.905,"end":1487.405,"sentiment":"positive","sentiment_score":0.48234066367149353},{"text":"That's fantastic.","start":1488.505,"end":1489.325,"sentiment":"positive","sentiment_score":0.7834644913673401},{"text":"Good.","start":1489.625,"end":1490.025,"sentiment":"positive","sentiment_score":0.6719023585319519},{"text":"Good.","start":1490.025,"end":1490.345,"sentiment":"positive","sentiment_score":0.563610315322876}],"sentiment":"positive","sentiment_score":0.5868066996335983,"channel":0,"num_words":6,"start":1486.425,"end":1490.345},{"sentences":[{"text":"And we'll revisit this conversation every year","start":1490.345,"end":1492.925,"sentiment":"neutral","sentiment_score":0.23618317927633012}],"sentiment":"neutral","sentiment_score":0.23618317927633012,"channel":0,"num_words":7,"start":1490.345,"end":1492.925},{"sentences":[{"text":"Yep.","start":1493.365,"end":1493.865,"sentiment":"neutral","sentiment_score":0.1672414988279343}],"sentiment":"neutral","sentiment_score":0.1672414988279343,"channel":1,"num_words":1,"start":1493.365,"end":1493.865},{"sentences":[{"text":"anyhow.","start":1493.785,"end":1494.285,"sentiment":"neutral","sentiment_score":0.12881630659103394}],"sentiment":"neutral","sentiment_score":0.12881630659103394,"channel":0,"num_words":1,"start":1493.785,"end":1494.285},{"sentences":[{"text":"Perfect.","start":1495.605,"end":1496.1,"sentiment":"positive","sentiment_score":0.4397302865982056}],"sentiment":"positive","sentiment_score":0.4397302865982056,"channel":1,"num_words":1,"start":1495.605,"end":1496.1},{"sentences":[{"text":"The next dot pages are the strategy recommendations.","start":1497.0299,"end":1500.09,"sentiment":"neutral","sentiment_score":0.12320470064878464},{"text":"So this is where I'm looking at your superannuation.","start":1500.5499,"end":1503.0499,"sentiment":"neutral","sentiment_score":0.0784100563161903},{"text":"So I","start":1504.07,"end":1504.47,"sentiment":"neutral","sentiment_score":0.05057968944311142}],"sentiment":"neutral","sentiment_score":0.09434144689064276,"channel":0,"num_words":19,"start":1497.0299,"end":1504.47},{"sentences":[{"text":"Mhmm.","start":1504.34,"end":1504.84,"sentiment":"neutral","sentiment_score":0.05607260391116142}],"sentiment":"neutral","sentiment_score":0.05607260391116142,"channel":1,"num_words":1,"start":1504.34,"end":1504.84},{"sentences":[{"text":"have recommended that you retain Hub and q super.","start":1504.47,"end":1509.13,"sentiment":"neutral","sentiment_score":0.07109784045153195},{"text":"What we're gonna do is roll over the majority of your q super, leaving","start":1509.35,"end":1514.205,"sentiment":"neutral","sentiment_score":0.06674373841711453}],"sentiment":"neutral","sentiment_score":0.06844751747406047,"channel":0,"num_words":23,"start":1504.47,"end":1514.205},{"sentences":[{"text":"Yes.","start":1514.155,"end":1514.655,"sentiment":"neutral","sentiment_score":0.07544523477554321}],"sentiment":"neutral","sentiment_score":0.07544523477554321,"channel":1,"num_words":1,"start":1514.155,"end":1514.655},{"sentences":[{"text":"a $10,000 balance so your insurances remain in force","start":1514.205,"end":1518.225,"sentiment":"neutral","sentiment_score":0.0804499155945248}],"sentiment":"neutral","sentiment_score":0.0804499155945248,"channel":0,"num_words":9,"start":1514.205,"end":1518.225},{"sentences":[{"text":"Yep.","start":1518.555,"end":1519.055,"sentiment":"neutral","sentiment_score":0.06949025392532349}],"sentiment":"neutral","sentiment_score":0.06949025392532349,"channel":1,"num_words":1,"start":1518.555,"end":1519.055},{"sentences":[{"text":"and the difference being rolled to hub twenty four and invested in hub twenty four.","start":1518.7649,"end":1523.825,"sentiment":"neutral","sentiment_score":0.05388473197817802}],"sentiment":"neutral","sentiment_score":0.05388473197817802,"channel":0,"num_words":15,"start":1518.7649,"end":1523.825},{"sentences":[{"text":"Mhmm.","start":1524.3151,"end":1524.75,"sentiment":"neutral","sentiment_score":0.04897034913301468}],"sentiment":"neutral","sentiment_score":0.04897034913301468,"channel":1,"num_words":1,"start":1524.3151,"end":1524.75},{"sentences":[{"text":"Leaving the 10,000 means that you keep your superannuation.","start":1525.8601,"end":1528.8401,"sentiment":"neutral","sentiment_score":0.09902224524153604},{"text":"You also","start":1529.7001,"end":1530.26,"sentiment":"neutral","sentiment_score":0.0754411481320858}],"sentiment":"neutral","sentiment_score":0.09473477303981781,"channel":0,"num_words":11,"start":1525.8601,"end":1530.26},{"sentences":[{"text":"Yes.","start":1530.19,"end":1530.69,"sentiment":"neutral","sentiment_score":0.08785365521907806}],"sentiment":"neutral","sentiment_score":0.08785365521907806,"channel":1,"num_words":1,"start":1530.19,"end":1530.69},{"sentences":[{"text":"have your super guarantee contributions going into q super, which there's two folds of protection there to ensure that your insurances don't lapse for any reason.","start":1530.26,"end":1542.125,"sentiment":"neutral","sentiment_score":0.08959434038171402},{"text":"But I wanna","start":1542.425,"end":1542.985,"sentiment":"neutral","sentiment_score":0.04749206329385439}],"sentiment":"neutral","sentiment_score":0.08523893240710785,"channel":0,"num_words":29,"start":1530.26,"end":1542.985},{"sentences":[{"text":"Mhmm.","start":1542.845,"end":1543.345,"sentiment":"neutral","sentiment_score":0.04713539779186249}],"sentiment":"neutral","sentiment_score":0.04713539779186249,"channel":1,"num_words":1,"start":1542.845,"end":1543.345},{"sentences":[{"text":"put in place an extra step to","start":1542.985,"end":1545.625,"sentiment":"neutral","sentiment_score":0.06408146183405604}],"sentiment":"neutral","sentiment_score":0.06408146183405604,"channel":0,"num_words":7,"start":1542.985,"end":1545.625},{"sentences":[{"text":"Yep.","start":1545.5651,"end":1546.0651,"sentiment":"neutral","sentiment_score":0.0530460886657238}],"sentiment":"neutral","sentiment_score":0.0530460886657238,"channel":1,"num_words":1,"start":1545.5651,"end":1546.0651},{"sentences":[{"text":"complete an opt in form with q super.","start":1545.625,"end":1548.365,"sentiment":"neutral","sentiment_score":0.08111254265531898},{"text":"So if if, for example, your balance falls below $10,000 because the market drops, for example, or your super guarantee hasn't been paid there for sixteen months, this opt","start":1549.705,"end":1564.7999,"sentiment":"neutral","sentiment_score":0.00881792784764849}],"sentiment":"neutral","sentiment_score":0.02444919591417184,"channel":0,"num_words":37,"start":1545.625,"end":1564.7999},{"sentences":[{"text":"Yep.","start":1564.7051,"end":1565.2051,"sentiment":"neutral","sentiment_score":0.0941624641418457}],"sentiment":"neutral","sentiment_score":0.0941624641418457,"channel":1,"num_words":1,"start":1564.7051,"end":1565.2051},{"sentences":[{"text":"in form protects your insurance from ever being canceled.","start":1564.7999,"end":1570.6951,"sentiment":"neutral","sentiment_score":0.06566413424702154},{"text":"So I just wanna go","start":1570.6951,"end":1571.655,"sentiment":"neutral","sentiment_score":0.05467101633548736}],"sentiment":"neutral","sentiment_score":0.06173802070718791,"channel":0,"num_words":14,"start":1564.7999,"end":1571.655},{"sentences":[{"text":"I","start":1571.425,"end":1571.665,"sentiment":"neutral","sentiment_score":0.04141372814774513}],"sentiment":"neutral","sentiment_score":0.04141372814774513,"channel":1,"num_words":1,"start":1571.425,"end":1571.665},{"sentences":[{"text":"that","start":1571.655,"end":1571.895,"sentiment":"neutral","sentiment_score":0.03453214466571808}],"sentiment":"neutral","sentiment_score":0.03453214466571808,"channel":0,"num_words":1,"start":1571.655,"end":1571.895},{"sentences":[{"text":"see.","start":1571.665,"end":1572.165,"sentiment":"neutral","sentiment_score":0.04261782020330429}],"sentiment":"neutral","sentiment_score":0.04261782020330429,"channel":1,"num_words":1,"start":1571.665,"end":1572.165},{"sentences":[{"text":"one step extra and make sure that form's signed so","start":1571.895,"end":1575.175,"sentiment":"neutral","sentiment_score":0.046205428428947926}],"sentiment":"neutral","sentiment_score":0.046205428428947926,"channel":0,"num_words":10,"start":1571.895,"end":1575.175},{"sentences":[{"text":"Oh,","start":1575.025,"end":1575.185,"sentiment":"positive","sentiment_score":0.34033912420272827}],"sentiment":"positive","sentiment_score":0.34033912420272827,"channel":1,"num_words":1,"start":1575.025,"end":1575.185},{"sentences":[{"text":"that","start":1575.175,"end":1575.415,"sentiment":"positive","sentiment_score":0.4412085711956024}],"sentiment":"positive","sentiment_score":0.4412085711956024,"channel":0,"num_words":1,"start":1575.175,"end":1575.415},{"sentences":[{"text":"beautiful.","start":1575.185,"end":1575.685,"sentiment":"positive","sentiment_score":0.3676119446754456}],"sentiment":"positive","sentiment_score":0.3676119446754456,"channel":1,"num_words":1,"start":1575.185,"end":1575.685},{"sentences":[{"text":"it can","start":1575.415,"end":1575.8151,"sentiment":"neutral","sentiment_score":0.23757244646549225}],"sentiment":"neutral","sentiment_score":0.23757244646549225,"channel":0,"num_words":2,"start":1575.415,"end":1575.8151},{"sentences":[{"text":"Thank","start":1575.745,"end":1575.985,"sentiment":"neutral","sentiment_score":0.21913038194179535}],"sentiment":"neutral","sentiment_score":0.21913038194179535,"channel":1,"num_words":1,"start":1575.745,"end":1575.985},{"sentences":[{"text":"never","start":1575.8151,"end":1576.135,"sentiment":"neutral","sentiment_score":0.20275364816188812}],"sentiment":"neutral","sentiment_score":0.20275364816188812,"channel":0,"num_words":1,"start":1575.8151,"end":1576.135},{"sentences":[{"text":"you.","start":1575.985,"end":1576.485,"sentiment":"neutral","sentiment_score":0.13194461166858673}],"sentiment":"neutral","sentiment_score":0.13194461166858673,"channel":1,"num_words":1,"start":1575.985,"end":1576.485},{"sentences":[{"text":"be canceled.","start":1576.135,"end":1576.795,"sentiment":"neutral","sentiment_score":-0.03289544675499201}],"sentiment":"neutral","sentiment_score":-0.03289544675499201,"channel":0,"num_words":2,"start":1576.135,"end":1576.795},{"sentences":[{"text":"Yep.","start":1577.505,"end":1577.94,"sentiment":"neutral","sentiment_score":0.026730304583907127}],"sentiment":"neutral","sentiment_score":0.026730304583907127,"channel":1,"num_words":1,"start":1577.505,"end":1577.94},{"sentences":[{"text":"So the the re the then we go into the best interest duty.","start":1579.89,"end":1584.37,"sentiment":"neutral","sentiment_score":0.021589616743417885},{"text":"So this explains why I've made those recommendations,","start":1584.37,"end":1587.67,"sentiment":"neutral","sentiment_score":0.037448135670274496}],"sentiment":"neutral","sentiment_score":0.02763095728698231,"channel":0,"num_words":21,"start":1579.89,"end":1587.67},{"sentences":[{"text":"Yep.","start":1588.82,"end":1589.32,"sentiment":"neutral","sentiment_score":0.05256439372897148}],"sentiment":"neutral","sentiment_score":0.05256439372897148,"channel":1,"num_words":1,"start":1588.82,"end":1589.32},{"sentences":[{"text":"which is maintaining","start":1589.0901,"end":1590.0701,"sentiment":"neutral","sentiment_score":0.0661936489244302}],"sentiment":"neutral","sentiment_score":0.0661936489244302,"channel":0,"num_words":3,"start":1589.0901,"end":1590.0701},{"sentences":[{"text":"Yep.","start":1590.115,"end":1590.615,"sentiment":"neutral","sentiment_score":0.04349672049283981}],"sentiment":"neutral","sentiment_score":0.04349672049283981,"channel":1,"num_words":1,"start":1590.115,"end":1590.615},{"sentences":[{"text":"the q super so your insurance remains in place.","start":1590.2101,"end":1593.35,"sentiment":"neutral","sentiment_score":0.06727110263374117},{"text":"The I've also recommended that every year at our reviews, we will do a rollover from q super to hub 24, and it","start":1594.725,"end":1605.445,"sentiment":"neutral","sentiment_score":0.030893776160867317}],"sentiment":"neutral","sentiment_score":0.04112489923136309,"channel":0,"num_words":32,"start":1590.2101,"end":1605.445},{"sentences":[{"text":"Yep.","start":1605.3949,"end":1605.81,"sentiment":"neutral","sentiment_score":-0.008803267031908035}],"sentiment":"neutral","sentiment_score":-0.008803267031908035,"channel":1,"num_words":1,"start":1605.3949,"end":1605.81},{"sentences":[{"text":"won't be in this document this size of document every year.","start":1605.445,"end":1609.0599,"sentiment":"neutral","sentiment_score":-0.06580637920309197},{"text":"It'll be in something called a record of advice because I'm covering it off in this document.","start":1609.0599,"end":1613.0599,"sentiment":"neutral","sentiment_score":0.13529675979824626},{"text":"So we can just do it every year for you without having to go through this large document.","start":1613.0599,"end":1617.4,"sentiment":"neutral","sentiment_score":0.22365349448389477}],"sentiment":"neutral","sentiment_score":0.12178125317491915,"channel":0,"num_words":46,"start":1605.445,"end":1617.4},{"sentences":[{"text":"Yep.","start":1617.7301,"end":1618.13,"sentiment":"neutral","sentiment_score":0.15970459580421448}],"sentiment":"neutral","sentiment_score":0.15970459580421448,"channel":1,"num_words":1,"start":1617.7301,"end":1618.13},{"sentences":[{"text":"So","start":1618.02,"end":1618.52,"sentiment":"neutral","sentiment_score":0.28510916233062744}],"sentiment":"neutral","sentiment_score":0.28510916233062744,"channel":0,"num_words":1,"start":1618.02,"end":1618.52},{"sentences":[{"text":"Perfect.","start":1618.13,"end":1618.63,"sentiment":"positive","sentiment_score":0.5274574756622314}],"sentiment":"positive","sentiment_score":0.5274574756622314,"channel":1,"num_words":1,"start":1618.13,"end":1618.63},{"sentences":[{"text":"we won't get to the situation where it is missed like it had been last year","start":1618.66,"end":1626.1749,"sentiment":"neutral","sentiment_score":0.1094590830616653}],"sentiment":"neutral","sentiment_score":0.1094590830616653,"channel":0,"num_words":16,"start":1618.66,"end":1626.1749},{"sentences":[{"text":"Yep.","start":1625.995,"end":1626.495,"sentiment":"neutral","sentiment_score":-0.021898843348026276}],"sentiment":"neutral","sentiment_score":-0.021898843348026276,"channel":1,"num_words":1,"start":1625.995,"end":1626.495},{"sentences":[{"text":"because","start":1626.315,"end":1626.635,"sentiment":"neutral","sentiment_score":-0.11463058739900588}],"sentiment":"neutral","sentiment_score":-0.11463058739900588,"channel":0,"num_words":1,"start":1626.315,"end":1626.635},{"sentences":[{"text":"Yep.","start":1626.635,"end":1627.135,"sentiment":"neutral","sentiment_score":-0.16492396593093872}],"sentiment":"neutral","sentiment_score":-0.16492396593093872,"channel":1,"num_words":1,"start":1626.635,"end":1627.135},{"sentences":[{"text":"we don't want that to happen.","start":1626.635,"end":1628.1749,"sentiment":"neutral","sentiment_score":-0.29057477166255313},{"text":"The hub 24 the reason I did consider maintaining q super and having all your funds in q super, the reason that I did not do that is because I did not recommend that.","start":1630.875,"end":1645.54,"sentiment":"neutral","sentiment_score":-0.19933474940412185},{"text":"It's because industry funds are fantastic when building wealth.","start":1645.54,"end":1650.6951,"sentiment":"neutral","sentiment_score":0.28611813278661835},{"text":"As we get closer to retirement, they invest in assets called unlisted assets.","start":1652.1951,"end":1660.295,"sentiment":"neutral","sentiment_score":0.03868201518288025}],"sentiment":"neutral","sentiment_score":-0.08778872124610408,"channel":0,"num_words":62,"start":1626.635,"end":1660.295},{"sentences":[{"text":"Mhmm.","start":1659.88,"end":1660.38,"sentiment":"neutral","sentiment_score":-0.008850932121276855}],"sentiment":"neutral","sentiment_score":-0.008850932121276855,"channel":1,"num_words":1,"start":1659.88,"end":1660.38},{"sentences":[{"text":"So that could be so things that aren't listed on the ASX, for example.","start":1660.355,"end":1666.62,"sentiment":"neutral","sentiment_score":-0.035268857942095826}],"sentiment":"neutral","sentiment_score":-0.035268857942095826,"channel":0,"num_words":14,"start":1660.355,"end":1666.62},{"sentences":[{"text":"Yep.","start":1667.2401,"end":1667.7401,"sentiment":"neutral","sentiment_score":-0.0034482846967875957}],"sentiment":"neutral","sentiment_score":-0.0034482846967875957,"channel":1,"num_words":1,"start":1667.2401,"end":1667.7401},{"sentences":[{"text":"And what that what can be a result of that is if you recall the GFC, one of the most popular ones was impacted impacted the property market so heavily.","start":1668.6,"end":1691.86,"sentiment":"neutral","sentiment_score":-0.10451960557450851}],"sentiment":"neutral","sentiment_score":-0.10451960557450851,"channel":0,"num_words":30,"start":1668.6,"end":1691.86},{"sentences":[{"text":"Okay.","start":1692.695,"end":1693.195,"sentiment":"neutral","sentiment_score":-0.0005766674876213074}],"sentiment":"neutral","sentiment_score":-0.0005766674876213074,"channel":1,"num_words":1,"start":1692.695,"end":1693.195},{"sentences":[{"text":"When clients get closer to retirement, liquidity is an extremely important factor","start":1693.12,"end":1700.66,"sentiment":"neutral","sentiment_score":0.01473499508574605}],"sentiment":"neutral","sentiment_score":0.01473499508574605,"channel":0,"num_words":12,"start":1693.12,"end":1700.66},{"sentences":[{"text":"Yeah.","start":1700.375,"end":1700.875,"sentiment":"neutral","sentiment_score":0.04460367560386658}],"sentiment":"neutral","sentiment_score":0.04460367560386658,"channel":1,"num_words":1,"start":1700.375,"end":1700.875},{"sentences":[{"text":"because clients need access to their funds to retire.","start":1700.96,"end":1703.7,"sentiment":"neutral","sentiment_score":0.056574576844771705},{"text":"So","start":1704.335,"end":1704.835,"sentiment":"neutral","sentiment_score":0.06527814269065857}],"sentiment":"neutral","sentiment_score":0.05744493342936039,"channel":0,"num_words":10,"start":1700.96,"end":1704.835},{"sentences":[{"text":"Yes.","start":1704.535,"end":1704.87,"sentiment":"neutral","sentiment_score":0.11096631735563278}],"sentiment":"neutral","sentiment_score":0.11096631735563278,"channel":1,"num_words":1,"start":1704.535,"end":1704.87},{"sentences":[{"text":"I've always operated in the sense that whilst building wealth and in your early stages of your career, industry funds are a fantastic opportunity low fees.","start":1704.975,"end":1719.9199,"sentiment":"neutral","sentiment_score":0.16245107581982246},{"text":"As","start":1720.3799,"end":1720.62,"sentiment":"neutral","sentiment_score":0.04316326603293419}],"sentiment":"neutral","sentiment_score":0.15803300879067844,"channel":0,"num_words":27,"start":1704.975,"end":1720.62},{"sentences":[{"text":"Mhmm.","start":1720.4651,"end":1720.9651,"sentiment":"neutral","sentiment_score":-0.019782306626439095}],"sentiment":"neutral","sentiment_score":-0.019782306626439095,"channel":1,"num_words":1,"start":1720.4651,"end":1720.9651},{"sentences":[{"text":"you get closer to retirement, you need funds that don't invest in those types of investments.","start":1720.62,"end":1727.84,"sentiment":"neutral","sentiment_score":-0.08246238413266838},{"text":"So","start":1728.46,"end":1728.7,"sentiment":"neutral","sentiment_score":0.010604988783597946}],"sentiment":"neutral","sentiment_score":-0.07698783278465271,"channel":0,"num_words":17,"start":1720.62,"end":1728.7},{"sentences":[{"text":"Okay.","start":1728.4651,"end":1728.9651,"sentiment":"neutral","sentiment_score":0.010197199881076813}],"sentiment":"neutral","sentiment_score":0.010197199881076813,"channel":1,"num_words":1,"start":1728.4651,"end":1728.9651},{"sentences":[{"text":"everything we recommend recommend is a listed asset.","start":1728.7,"end":1732.24,"sentiment":"neutral","sentiment_score":0.03258718829602003},{"text":"So that means","start":1732.2999,"end":1732.94,"sentiment":"neutral","sentiment_score":0.0360953559478124}],"sentiment":"neutral","sentiment_score":0.0335439612919634,"channel":0,"num_words":11,"start":1728.7,"end":1732.94},{"sentences":[{"text":"Okay.","start":1732.87,"end":1733.37,"sentiment":"neutral","sentiment_score":0.02667216956615448}],"sentiment":"neutral","sentiment_score":0.02667216956615448,"channel":1,"num_words":1,"start":1732.87,"end":1733.37},{"sentences":[{"text":"that your funds you have access to a daily share price.","start":1732.94,"end":1737.905,"sentiment":"neutral","sentiment_score":0.019996054978533226},{"text":"In an unlisted asset, the the price might be calculated quarterly or monthly.","start":1737.9651,"end":1743.745,"sentiment":"neutral","sentiment_score":-0.03559363962939152},{"text":"So you don't have a live value.","start":1743.885,"end":1746.865,"sentiment":"neutral","sentiment_score":-0.09387047801698957}],"sentiment":"neutral","sentiment_score":-0.02902755021087585,"channel":0,"num_words":31,"start":1732.94,"end":1746.865},{"sentences":[{"text":"Yep.","start":1747.59,"end":1747.995,"sentiment":"neutral","sentiment_score":-0.020044630393385887}],"sentiment":"neutral","sentiment_score":-0.020044630393385887,"channel":1,"num_words":1,"start":1747.59,"end":1747.995},{"sentences":[{"text":"So that's why for my retiree clients that are approaching retirement, I tend to on the side of caution when it comes to those types of investments.","start":1749.165,"end":1758.61,"sentiment":"neutral","sentiment_score":-0.1176584328490275}],"sentiment":"neutral","sentiment_score":-0.1176584328490275,"channel":0,"num_words":27,"start":1749.165,"end":1758.61},{"sentences":[{"text":"Yep.","start":1759.195,"end":1759.595,"sentiment":"neutral","sentiment_score":-0.00782442931085825}],"sentiment":"neutral","sentiment_score":-0.00782442931085825,"channel":1,"num_words":1,"start":1759.195,"end":1759.595},{"sentences":[{"text":"So that's","start":1759.39,"end":1759.95,"sentiment":"neutral","sentiment_score":-0.02283999789506197}],"sentiment":"neutral","sentiment_score":-0.02283999789506197,"channel":0,"num_words":2,"start":1759.39,"end":1759.95},{"sentences":[{"text":"Perfect.","start":1759.595,"end":1760.01,"sentiment":"neutral","sentiment_score":0.09604193270206451}],"sentiment":"neutral","sentiment_score":0.09604193270206451,"channel":1,"num_words":1,"start":1759.595,"end":1760.01},{"sentences":[{"text":"why I didn't choose q","start":1759.95,"end":1762.5751,"sentiment":"neutral","sentiment_score":-0.11309050843119621}],"sentiment":"neutral","sentiment_score":-0.11309050843119621,"channel":0,"num_words":5,"start":1759.95,"end":1762.5751},{"sentences":[{"text":"Yes.","start":1763.61,"end":1764.09,"sentiment":"neutral","sentiment_score":-0.026509370654821396}],"sentiment":"neutral","sentiment_score":-0.026509370654821396,"channel":1,"num_words":1,"start":1763.61,"end":1764.09},{"sentences":[{"text":"super.","start":1763.915,"end":1764.415,"sentiment":"neutral","sentiment_score":-0.005399072542786598}],"sentiment":"neutral","sentiment_score":-0.005399072542786598,"channel":0,"num_words":1,"start":1763.915,"end":1764.415},{"sentences":[{"text":"Like,","start":1764.09,"end":1764.59,"sentiment":"neutral","sentiment_score":-0.00489007867872715}],"sentiment":"neutral","sentiment_score":-0.00489007867872715,"channel":1,"num_words":1,"start":1764.09,"end":1764.59},{"sentences":[{"text":"Yeah.","start":1765.755,"end":1766.155,"sentiment":"neutral","sentiment_score":0.01990067213773727},{"text":"Yep.","start":1766.155,"end":1766.655,"sentiment":"neutral","sentiment_score":0.023912018164992332},{"text":"Then so what my recommendation is is essentially that we're gonna keep 10,000 in q super to maintain your insurance, get you to sign that opt in form to make sure your insurance","start":1767.275,"end":1779.5299,"sentiment":"neutral","sentiment_score":0.05813411098312248}],"sentiment":"neutral","sentiment_score":0.05606395293559347,"channel":0,"num_words":35,"start":1765.755,"end":1779.5299},{"sentences":[{"text":"Mhmm.","start":1779.145,"end":1779.645,"sentiment":"neutral","sentiment_score":0.018549002707004547}],"sentiment":"neutral","sentiment_score":0.018549002707004547,"channel":1,"num_words":1,"start":1779.145,"end":1779.645},{"sentences":[{"text":"remain active, roll the surplus to hub twenty four.","start":1779.5299,"end":1784.35,"sentiment":"neutral","sentiment_score":0.043581363641553454}],"sentiment":"neutral","sentiment_score":0.043581363641553454,"channel":0,"num_words":9,"start":1779.5299,"end":1784.35},{"sentences":[{"text":"Yep.","start":1784.8,"end":1785.3,"sentiment":"neutral","sentiment_score":0.0004102163075003773}],"sentiment":"neutral","sentiment_score":0.0004102163075003773,"channel":1,"num_words":1,"start":1784.8,"end":1785.3},{"sentences":[{"text":"The the fees will increase a little bit, your administration fees, simply","start":1785.45,"end":1795.585,"sentiment":"neutral","sentiment_score":-0.09699209965765476}],"sentiment":"neutral","sentiment_score":-0.09699209965765476,"channel":0,"num_words":12,"start":1785.45,"end":1795.585},{"sentences":[{"text":"Mhmm.","start":1795.2001,"end":1795.7001,"sentiment":"neutral","sentiment_score":-0.04988740012049675}],"sentiment":"neutral","sentiment_score":-0.04988740012049675,"channel":1,"num_words":1,"start":1795.2001,"end":1795.7001},{"sentences":[{"text":"because so it says you'll pay $228 more in administration fees in hub twenty four, and that's because","start":1795.585,"end":1804.01,"sentiment":"neutral","sentiment_score":-0.020031947694304917}],"sentiment":"neutral","sentiment_score":-0.020031947694304917,"channel":0,"num_words":18,"start":1795.585,"end":1804.01},{"sentences":[{"text":"Mhmm.","start":1803.535,"end":1804.035,"sentiment":"neutral","sentiment_score":-0.019643673673272133}],"sentiment":"neutral","sentiment_score":-0.019643673673272133,"channel":1,"num_words":1,"start":1803.535,"end":1804.035},{"sentences":[{"text":"we're taking the funds out of q super and increasing them in Hub 24.","start":1804.31,"end":1810.39,"sentiment":"neutral","sentiment_score":-0.02022408614201205},{"text":"So the difference between that will be $228.","start":1810.39,"end":1814.23,"sentiment":"neutral","sentiment_score":0.027142521226778626},{"text":"So it's gonna so that's the savings from QSuper and the extra that you'll pay with hub twenty four.","start":1814.23,"end":1822.485,"sentiment":"neutral","sentiment_score":0.18658690860396937},{"text":"Does that make sense?","start":1822.485,"end":1823.625,"sentiment":"neutral","sentiment_score":0.1050424613058567}],"sentiment":"neutral","sentiment_score":0.086651646056109,"channel":0,"num_words":45,"start":1804.31,"end":1823.625},{"sentences":[{"text":"Yes.","start":1823.9501,"end":1824.225,"sentiment":"neutral","sentiment_score":0.15825089812278748}],"sentiment":"neutral","sentiment_score":0.15825089812278748,"channel":1,"num_words":1,"start":1823.9501,"end":1824.225},{"sentences":[{"text":"Yes.","start":1824.885,"end":1825.365,"sentiment":"neutral","sentiment_score":0.2114886939525604},{"text":"Okay.","start":1825.365,"end":1825.845,"sentiment":"positive","sentiment_score":0.4552641212940216},{"text":"Fantastic.","start":1825.845,"end":1826.345,"sentiment":"positive","sentiment_score":0.7525285482406616},{"text":"Additionally, there is no CGT exposure in the q super fund because they're gonna make a few investment switches as well.","start":1831.7,"end":1839.88,"sentiment":"positive","sentiment_score":0.41487519443035126},{"text":"I mean, in the hub twenty four fund.","start":1839.94,"end":1841.62,"sentiment":"neutral","sentiment_score":0.18697019666433334}],"sentiment":"positive","sentiment_score":0.3633569381199777,"channel":0,"num_words":32,"start":1824.885,"end":1841.62},{"sentences":[{"text":"Sorry.","start":1841.62,"end":1842.12,"sentiment":"neutral","sentiment_score":0.023064734414219856}],"sentiment":"neutral","sentiment_score":0.023064734414219856,"channel":0,"num_words":1,"start":1841.62,"end":1842.12},{"sentences":[{"text":"No?","start":1842.8,"end":1843.3,"sentiment":"neutral","sentiment_score":0.0028051547706127167}],"sentiment":"neutral","sentiment_score":0.0028051547706127167,"channel":1,"num_words":1,"start":1842.8,"end":1843.3},{"sentences":[{"text":"Because, yeah, there's no capital gains tax.","start":1843.5449,"end":1846.605,"sentiment":"neutral","sentiment_score":-0.013936382319246021},{"text":"In q super, there could be.","start":1847.065,"end":1849.385,"sentiment":"neutral","sentiment_score":-0.0012717883413036664},{"text":"It is hard for us to know because of the type of fund it is.","start":1849.385,"end":1854.69,"sentiment":"neutral","sentiment_score":-0.07182314321398735},{"text":"So because all the money is invested in a pooled situation, so yours is invested with everyone else in the lifetime focus,","start":1854.69,"end":1863.2699,"sentiment":"neutral","sentiment_score":0.11109994775192304}],"sentiment":"neutral","sentiment_score":0.02523332592099905,"channel":0,"num_words":50,"start":1843.5449,"end":1863.2699},{"sentences":[{"text":"Yes.","start":1863.935,"end":1864.23,"sentiment":"neutral","sentiment_score":0.0158406812697649}],"sentiment":"neutral","sentiment_score":0.0158406812697649,"channel":1,"num_words":1,"start":1863.935,"end":1864.23},{"sentences":[{"text":"you don't have you own a share of it.","start":1863.97,"end":1867.25,"sentiment":"neutral","sentiment_score":-0.04946107893354363},{"text":"You don't own the investment specifically.","start":1867.25,"end":1869.2699,"sentiment":"neutral","sentiment_score":-0.07488496539493401},{"text":"So an allocation of capital gains tax would be applicable to you.","start":1869.945,"end":1874.845,"sentiment":"neutral","sentiment_score":-0.06871482978264491},{"text":"Typically","start":1875.1449,"end":1875.6449,"sentiment":"neutral","sentiment_score":-0.056015849113464355}],"sentiment":"neutral","sentiment_score":-0.06339476104559642,"channel":0,"num_words":28,"start":1863.97,"end":1875.6449},{"sentences":[{"text":"Okay.","start":1875.35,"end":1875.85,"sentiment":"neutral","sentiment_score":-0.07071074098348618}],"sentiment":"neutral","sentiment_score":-0.07071074098348618,"channel":1,"num_words":1,"start":1875.35,"end":1875.85},{"sentences":[{"text":"smaller in a pooled fund, but I'm unable to actually determine what that will be.","start":1875.705,"end":1881.245,"sentiment":"neutral","sentiment_score":-0.13347088744242985}],"sentiment":"neutral","sentiment_score":-0.13347088744242985,"channel":0,"num_words":15,"start":1875.705,"end":1881.245},{"sentences":[{"text":"Fair enough.","start":1881.6849,"end":1882.325,"sentiment":"neutral","sentiment_score":0.017981301993131638},{"text":"Yep.","start":1882.325,"end":1882.825,"sentiment":"neutral","sentiment_score":0.037004776298999786}],"sentiment":"neutral","sentiment_score":0.02432246009508769,"channel":1,"num_words":3,"start":1881.6849,"end":1882.825},{"sentences":[{"text":"So in line with considering q super as well, we considered another fund like my north.","start":1885.2001,"end":1890.8201,"sentiment":"neutral","sentiment_score":0.004367043497040868},{"text":"The a high CGT would have been occurred through hub twenty four to do that, approximately $1,600.","start":1892.3201,"end":1898.7649,"sentiment":"neutral","sentiment_score":-0.06087175734779414},{"text":"So that's why I discounted that.","start":1898.7649,"end":1900.945,"sentiment":"neutral","sentiment_score":-0.011247520645459494}],"sentiment":"neutral","sentiment_score":-0.026472623149553936,"channel":0,"num_words":39,"start":1885.2001,"end":1900.945},{"sentences":[{"text":"Mhmm.","start":1901.54,"end":1901.925,"sentiment":"neutral","sentiment_score":-0.00720050698146224}],"sentiment":"neutral","sentiment_score":-0.00720050698146224,"channel":1,"num_words":1,"start":1901.54,"end":1901.925},{"sentences":[{"text":"And, also, their investment trading fees are a little bit higher.","start":1902.5249,"end":1906.625,"sentiment":"neutral","sentiment_score":-0.06810669567097317},{"text":"So","start":1907.245,"end":1907.725,"sentiment":"neutral","sentiment_score":-0.0016049426048994064}],"sentiment":"neutral","sentiment_score":-0.06256488291546702,"channel":0,"num_words":12,"start":1902.5249,"end":1907.725},{"sentences":[{"text":"Okay.","start":1907.525,"end":1908.025,"sentiment":"neutral","sentiment_score":0.006288187112659216}],"sentiment":"neutral","sentiment_score":0.006288187112659216,"channel":1,"num_words":1,"start":1907.525,"end":1908.025},{"sentences":[{"text":"any questions following that?","start":1907.725,"end":1909.47,"sentiment":"neutral","sentiment_score":-0.002575545338913798},{"text":"No.","start":1911.47,"end":1911.71,"sentiment":"neutral","sentiment_score":-0.12663152813911438},{"text":"It's a lot to take in, isn't","start":1911.71,"end":1913.07,"sentiment":"neutral","sentiment_score":-0.12819843207086837}],"sentiment":"neutral","sentiment_score":-0.086193561165904,"channel":0,"num_words":12,"start":1907.725,"end":1913.07},{"sentences":[{"text":"No.","start":1913.045,"end":1913.545,"sentiment":"neutral","sentiment_score":-0.08884793519973755}],"sentiment":"neutral","sentiment_score":-0.08884793519973755,"channel":1,"num_words":1,"start":1913.045,"end":1913.545},{"sentences":[{"text":"it?","start":1913.07,"end":1913.57,"sentiment":"neutral","sentiment_score":-0.05862036347389221}],"sentiment":"neutral","sentiment_score":-0.05862036347389221,"channel":0,"num_words":1,"start":1913.07,"end":1913.57},{"sentences":[{"text":"Yes.","start":1913.765,"end":1914.265,"sentiment":"neutral","sentiment_score":0.011577428318560123}],"sentiment":"neutral","sentiment_score":0.011577428318560123,"channel":1,"num_words":1,"start":1913.765,"end":1914.265},{"sentences":[{"text":"The fee comparison is the next page.","start":1916.11,"end":1918.4299,"sentiment":"neutral","sentiment_score":0.002605789474078587},{"text":"So that's the difference in the fees that I explained to you.","start":1918.4299,"end":1922.2899,"sentiment":"neutral","sentiment_score":0.02457727336635192}],"sentiment":"neutral","sentiment_score":0.0164825161428828,"channel":0,"num_words":19,"start":1916.11,"end":1922.2899},{"sentences":[{"text":"Yep.","start":1922.74,"end":1923.24,"sentiment":"neutral","sentiment_score":0.056383341550827026}],"sentiment":"neutral","sentiment_score":0.056383341550827026,"channel":1,"num_words":1,"start":1922.74,"end":1923.24},{"sentences":[{"text":"So that table so running your eyes over that first table, any questions there?","start":1922.955,"end":1929.855,"sentiment":"neutral","sentiment_score":0.036715210415422916}],"sentiment":"neutral","sentiment_score":0.036715210415422916,"channel":0,"num_words":14,"start":1922.955,"end":1929.855},{"sentences":[{"text":"No.","start":1937.9551,"end":1938.4551,"sentiment":"neutral","sentiment_score":-0.08235625177621841}],"sentiment":"neutral","sentiment_score":-0.08235625177621841,"channel":1,"num_words":1,"start":1937.9551,"end":1938.4551},{"sentences":[{"text":"No.","start":1939.29,"end":1939.79,"sentiment":"neutral","sentiment_score":-0.07231704890727997}],"sentiment":"neutral","sentiment_score":-0.07231704890727997,"channel":0,"num_words":1,"start":1939.29,"end":1939.79},{"sentences":[{"text":"That no.","start":1951.5,"end":1952.14,"sentiment":"neutral","sentiment_score":-0.06925816088914871},{"text":"That's fine.","start":1952.14,"end":1953.04,"sentiment":"neutral","sentiment_score":0.005927241174504161}],"sentiment":"neutral","sentiment_score":-0.031665459857322276,"channel":1,"num_words":4,"start":1951.5,"end":1953.04},{"sentences":[{"text":"No.","start":1953.865,"end":1954.365,"sentiment":"neutral","sentiment_score":-0.0441180095076561},{"text":"And that second table below is your projected balance.","start":1955.0651,"end":1958.76,"sentiment":"neutral","sentiment_score":0.032910751178860664},{"text":"So we don't do anything sick like large balance projections outside of ten years.","start":1959.08,"end":1966.86,"sentiment":"neutral","sentiment_score":-0.07954850103279958},{"text":"So you'll see in five years, if you leave things currently as they are, your expected balance is 262 or 263,000 rounded up.","start":1967.24,"end":1978.715,"sentiment":"neutral","sentiment_score":0.011267087503295877},{"text":"If we go","start":1979.015,"end":1979.495,"sentiment":"neutral","sentiment_score":0.025781642645597458}],"sentiment":"neutral","sentiment_score":-0.010502246456890135,"channel":0,"num_words":50,"start":1953.865,"end":1979.495},{"sentences":[{"text":"Mhmm.","start":1979.39,"end":1979.835,"sentiment":"neutral","sentiment_score":0.018833447247743607}],"sentiment":"neutral","sentiment_score":0.018833447247743607,"channel":1,"num_words":1,"start":1979.39,"end":1979.835},{"sentences":[{"text":"with the recommended, it's projected to be 306,000.","start":1979.495,"end":1983.515,"sentiment":"neutral","sentiment_score":0.029198188334703445}],"sentiment":"neutral","sentiment_score":0.029198188334703445,"channel":0,"num_words":8,"start":1979.495,"end":1983.515},{"sentences":[{"text":"Yes.","start":1984.395,"end":1984.895,"sentiment":"neutral","sentiment_score":0.11260613799095154}],"sentiment":"neutral","sentiment_score":0.11260613799095154,"channel":1,"num_words":1,"start":1984.395,"end":1984.895},{"sentences":[{"text":"But at age 65, which is in nine years' time, if we go with the recommended, you're gonna be approximately $90,000 better off.","start":1984.4551,"end":1994.6699,"sentiment":"neutral","sentiment_score":0.027064562977656074},{"text":"So that's based on historical returns, but","start":1997.61,"end":2001.0249,"sentiment":"neutral","sentiment_score":0.03540555174861636}],"sentiment":"neutral","sentiment_score":0.02901079369088014,"channel":0,"num_words":30,"start":1984.4551,"end":2001.0249},{"sentences":[{"text":"Yep.","start":2000.76,"end":2001.26,"sentiment":"neutral","sentiment_score":0.05350998044013977}],"sentiment":"neutral","sentiment_score":0.05350998044013977,"channel":1,"num_words":1,"start":2000.76,"end":2001.26},{"sentences":[{"text":"also conservative as well in nature.","start":2001.0249,"end":2004.1449,"sentiment":"neutral","sentiment_score":0.056403582294782005},{"text":"So we're not gonna some may calculate these saying, oh, this is based on a 20% return.","start":2004.1449,"end":2009.845,"sentiment":"neutral","sentiment_score":-0.17090395312098897},{"text":"They're definitely not.","start":2010.1449,"end":2011.365,"sentiment":"negative","sentiment_score":-0.3480877677599589},{"text":"They're they're based","start":2011.62,"end":2012.9,"sentiment":"neutral","sentiment_score":-0.1097535031537215}],"sentiment":"neutral","sentiment_score":-0.13587825938031592,"channel":0,"num_words":29,"start":2001.0249,"end":2012.9},{"sentences":[{"text":"Yeah.","start":2012.855,"end":2013.355,"sentiment":"neutral","sentiment_score":-0.05744432657957077}],"sentiment":"neutral","sentiment_score":-0.05744432657957077,"channel":1,"num_words":1,"start":2012.855,"end":2013.355},{"sentences":[{"text":"on a very conservative return.","start":2012.9,"end":2014.92,"sentiment":"neutral","sentiment_score":-0.038602011650800704}],"sentiment":"neutral","sentiment_score":-0.038602011650800704,"channel":0,"num_words":5,"start":2012.9,"end":2014.92},{"sentences":[{"text":"Yep.","start":2015.495,"end":2015.995,"sentiment":"neutral","sentiment_score":0.15927918255329132}],"sentiment":"neutral","sentiment_score":0.15927918255329132,"channel":1,"num_words":1,"start":2015.495,"end":2015.995},{"sentences":[{"text":"The next page just shows you the annualized investment returns as of the August 31, and it's just comparing between the two.","start":2017.46,"end":2025.48,"sentiment":"neutral","sentiment_score":0.15061405741355635},{"text":"So you'll see over the long term, Hub does perform better.","start":2026.18,"end":2031.735,"sentiment":"neutral","sentiment_score":0.2934590957381509},{"text":"Well, the portfolio that we've created in Hub does perform better than q super","start":2031.735,"end":2036.315,"sentiment":"neutral","sentiment_score":0.3132930610861097}],"sentiment":"neutral","sentiment_score":0.23250345045581777,"channel":0,"num_words":47,"start":2017.46,"end":2036.315},{"sentences":[{"text":"Yes.","start":2036.805,"end":2037.305,"sentiment":"neutral","sentiment_score":0.18856734037399292}],"sentiment":"neutral","sentiment_score":0.18856734037399292,"channel":1,"num_words":1,"start":2036.805,"end":2037.305},{"sentences":[{"text":"over the longer term, which is what we wanna see.","start":2038.0549,"end":2041.02,"sentiment":"neutral","sentiment_score":0.19720977991819383}],"sentiment":"neutral","sentiment_score":0.19720977991819383,"channel":0,"num_words":10,"start":2038.0549,"end":2041.02},{"sentences":[{"text":"Absolutely.","start":2041.365,"end":2041.865,"sentiment":"neutral","sentiment_score":0.25381848216056824}],"sentiment":"neutral","sentiment_score":0.25381848216056824,"channel":1,"num_words":1,"start":2041.365,"end":2041.865},{"sentences":[{"text":"The next the next one is the recommended investment.","start":2044.36,"end":2047.7201,"sentiment":"neutral","sentiment_score":0.05226217955350876},{"text":"So it's a table of your superannuation with the first line being your q super.","start":2047.7201,"end":2053.465,"sentiment":"neutral","sentiment_score":0.038575337082147595},{"text":"So you'll see that there's a negative figure of 76 odd thousand dollars with a remaining","start":2053.465,"end":2058.825,"sentiment":"neutral","sentiment_score":-0.1050187932269182}],"sentiment":"neutral","sentiment_score":-0.01578277548542246,"channel":0,"num_words":40,"start":2044.36,"end":2058.825},{"sentences":[{"text":"Yes.","start":2058.45,"end":2058.795,"sentiment":"neutral","sentiment_score":-0.061073578894138336}],"sentiment":"neutral","sentiment_score":-0.061073578894138336,"channel":1,"num_words":1,"start":2058.45,"end":2058.795},{"sentences":[{"text":"balance of 10.","start":2058.825,"end":2059.885,"sentiment":"neutral","sentiment_score":-0.07500189170241356},{"text":"That's what we're gonna take out.","start":2059.945,"end":2061.645,"sentiment":"neutral","sentiment_score":-0.10095176224907239},{"text":"And then that's gonna be spread across your existing hub twenty four account.","start":2062.265,"end":2067.1,"sentiment":"neutral","sentiment_score":-0.0194142132710952},{"text":"So you'll also know, yeah, you'll also know that first one note, sorry, that first one being the panel on concentrated equities with a negative figure of $19,679.81.","start":2067.48,"end":2081.415,"sentiment":"neutral","sentiment_score":-0.07526666597862329}],"sentiment":"neutral","sentiment_score":-0.06381135337054729,"channel":0,"num_words":50,"start":2058.825,"end":2081.415},{"sentences":[{"text":"Yes.","start":2081.85,"end":2082.35,"sentiment":"neutral","sentiment_score":-0.08519139140844345}],"sentiment":"neutral","sentiment_score":-0.08519139140844345,"channel":1,"num_words":1,"start":2081.85,"end":2082.35},{"sentences":[{"text":"That's the one that we're gonna sell out of that was underperforming.","start":2082.035,"end":2085.175,"sentiment":"neutral","sentiment_score":-0.24987773224711418}],"sentiment":"neutral","sentiment_score":-0.24987773224711418,"channel":0,"num_words":12,"start":2082.035,"end":2085.175},{"sentences":[{"text":"Yep.","start":2085.945,"end":2086.185,"sentiment":"neutral","sentiment_score":0.09611673653125764},{"text":"Perfect.","start":2086.185,"end":2086.685,"sentiment":"neutral","sentiment_score":0.2703631520271301}],"sentiment":"neutral","sentiment_score":0.18323994427919388,"channel":1,"num_words":2,"start":2085.945,"end":2086.685},{"sentences":[{"text":"So that one as and then it will be spread.","start":2086.595,"end":2092.82,"sentiment":"neutral","sentiment_score":0.16811679005622865},{"text":"That plus some funds coming from your superannuation in q super will be spread out across your new portfolio.","start":2092.82,"end":2099.0,"sentiment":"neutral","sentiment_score":0.1639663257489079}],"sentiment":"neutral","sentiment_score":0.1653975203376392,"channel":0,"num_words":29,"start":2086.595,"end":2099.0},{"sentences":[{"text":"Mhmm.","start":2099.8801,"end":2100.3801,"sentiment":"neutral","sentiment_score":-0.010450775735080242}],"sentiment":"neutral","sentiment_score":-0.010450775735080242,"channel":1,"num_words":1,"start":2099.8801,"end":2100.3801},{"sentences":[{"text":"The other ones that are negative showing in red, we're selling out of those investments to take","start":2099.94,"end":2106.4648,"sentiment":"neutral","sentiment_score":-0.19618904152337244}],"sentiment":"neutral","sentiment_score":-0.19618904152337244,"channel":0,"num_words":17,"start":2099.94,"end":2106.4648},{"sentences":[{"text":"Yep.","start":2106.12,"end":2106.62,"sentiment":"neutral","sentiment_score":-0.06765110790729523}],"sentiment":"neutral","sentiment_score":-0.06765110790729523,"channel":1,"num_words":1,"start":2106.12,"end":2106.62},{"sentences":[{"text":"a to invest differently in some alternative funds.","start":2106.4648,"end":2111.765,"sentiment":"neutral","sentiment_score":-0.05174551531672478}],"sentiment":"neutral","sentiment_score":-0.05174551531672478,"channel":0,"num_words":8,"start":2106.4648,"end":2111.765},{"sentences":[{"text":"Perfect.","start":2112.855,"end":2113.355,"sentiment":"neutral","sentiment_score":0.28151369094848633}],"sentiment":"neutral","sentiment_score":0.28151369094848633,"channel":1,"num_words":1,"start":2112.855,"end":2113.355},{"sentences":[{"text":"So any questions there?","start":2115.105,"end":2116.44,"sentiment":"neutral","sentiment_score":0.08004431799054146}],"sentiment":"neutral","sentiment_score":0.08004431799054146,"channel":0,"num_words":4,"start":2115.105,"end":2116.44},{"sentences":[{"text":"No.","start":2117.095,"end":2117.335,"sentiment":"neutral","sentiment_score":-0.005442219786345959},{"text":"But it's right.","start":2117.335,"end":2119.35,"sentiment":"neutral","sentiment_score":0.06639999896287918}],"sentiment":"neutral","sentiment_score":0.048439444275572896,"channel":1,"num_words":4,"start":2117.095,"end":2119.35},{"sentences":[{"text":"Okay.","start":2120.3599,"end":2120.8599,"sentiment":"neutral","sentiment_score":0.04085284471511841},{"text":"And sorry.","start":2122.5999,"end":2123.24,"sentiment":"neutral","sentiment_score":0.016913326922804117},{"text":"That table continues below.","start":2123.24,"end":2124.78,"sentiment":"neutral","sentiment_score":0.01040204823948443},{"text":"So","start":2125.72,"end":2125.88,"sentiment":"neutral","sentiment_score":0.03096768818795681}],"sentiment":"neutral","sentiment_score":0.018406922463327646,"channel":0,"num_words":8,"start":2120.3599,"end":2125.88},{"sentences":[{"text":"Yep.","start":2125.75,"end":2126.25,"sentiment":"neutral","sentiment_score":0.047725945711135864}],"sentiment":"neutral","sentiment_score":0.047725945711135864,"channel":1,"num_words":1,"start":2125.75,"end":2126.25},{"sentences":[{"text":"you'll see that so that beta shares 200 is actually what we're replacing the Benelong one with.","start":2125.88,"end":2131.1848,"sentiment":"neutral","sentiment_score":0.034533125841442275}],"sentiment":"neutral","sentiment_score":0.034533125841442275,"channel":0,"num_words":17,"start":2125.88,"end":2131.1848},{"sentences":[{"text":"Yep.","start":2134.1501,"end":2134.6501,"sentiment":"neutral","sentiment_score":0.1279779076576233}],"sentiment":"neutral","sentiment_score":0.1279779076576233,"channel":1,"num_words":1,"start":2134.1501,"end":2134.6501},{"sentences":[{"text":"Yep.","start":2135.405,"end":2135.905,"sentiment":"neutral","sentiment_score":0.1745174378156662},{"text":"Okay.","start":2136.285,"end":2136.785,"sentiment":"positive","sentiment_score":0.5156992673873901}],"sentiment":"positive","sentiment_score":0.34510835260152817,"channel":0,"num_words":2,"start":2135.405,"end":2136.785},{"sentences":[{"text":"It's beautiful.","start":2137.335,"end":2138.155,"sentiment":"positive","sentiment_score":0.7990654110908508}],"sentiment":"positive","sentiment_score":0.7990654110908508,"channel":1,"num_words":2,"start":2137.335,"end":2138.155},{"sentences":[{"text":"The next section is your asset allocation.","start":2139.805,"end":2142.625,"sentiment":"neutral","sentiment_score":0.290588589651244},{"text":"So being a growth investor, which we've just confirmed you're happy with, this is how your funds are spread.","start":2143.005,"end":2151.76,"sentiment":"neutral","sentiment_score":0.30318044596596766},{"text":"So you'll see in the proposed column and the existing, so they're the two middle ones,","start":2151.8198,"end":2157.5999,"sentiment":"neutral","sentiment_score":0.0816479988861829}],"sentiment":"neutral","sentiment_score":0.21668849007359572,"channel":0,"num_words":42,"start":2139.805,"end":2157.5999},{"sentences":[{"text":"Mhmm.","start":2158.27,"end":2158.77,"sentiment":"neutral","sentiment_score":0.04675968736410141}],"sentiment":"neutral","sentiment_score":0.04675968736410141,"channel":1,"num_words":1,"start":2158.27,"end":2158.77},{"sentences":[{"text":"your current allocation to Australian equities is approximately 23%.","start":2158.6199,"end":2163.2751,"sentiment":"neutral","sentiment_score":0.029751344273487728},{"text":"We're gonna","start":2163.495,"end":2164.0552,"sentiment":"neutral","sentiment_score":0.05617760494351387}],"sentiment":"neutral","sentiment_score":0.034556118940765206,"channel":0,"num_words":11,"start":2158.6199,"end":2164.0552},{"sentences":[{"text":"Yep.","start":2163.9849,"end":2164.4849,"sentiment":"neutral","sentiment_score":0.04204653948545456}],"sentiment":"neutral","sentiment_score":0.04204653948545456,"channel":1,"num_words":1,"start":2163.9849,"end":2164.4849},{"sentences":[{"text":"reduce that a little bit down to 20%.","start":2164.0552,"end":2166.475,"sentiment":"neutral","sentiment_score":0.02698090486228466}],"sentiment":"neutral","sentiment_score":0.02698090486228466,"channel":0,"num_words":8,"start":2164.0552,"end":2166.475},{"sentences":[{"text":"Okay.","start":2167.185,"end":2167.685,"sentiment":"neutral","sentiment_score":0.01611580327153206}],"sentiment":"neutral","sentiment_score":0.01611580327153206,"channel":1,"num_words":1,"start":2167.185,"end":2167.685},{"sentences":[{"text":"International equities, you're currently exposed to about 42%.","start":2167.335,"end":2172.875,"sentiment":"neutral","sentiment_score":-0.010332952137105167},{"text":"We're gonna increase","start":2172.935,"end":2173.995,"sentiment":"neutral","sentiment_score":0.05733217174808184}],"sentiment":"neutral","sentiment_score":0.008121172558854927,"channel":0,"num_words":11,"start":2167.335,"end":2173.995},{"sentences":[{"text":"Mhmm.","start":2173.585,"end":2174.085,"sentiment":"neutral","sentiment_score":0.04570222645998001}],"sentiment":"neutral","sentiment_score":0.04570222645998001,"channel":1,"num_words":1,"start":2173.585,"end":2174.085},{"sentences":[{"text":"that to about 54%.","start":2174.09,"end":2176.27,"sentiment":"neutral","sentiment_score":0.04520011506974697},{"text":"And that just shows you the difference in your port your the the underlying sectors.","start":2178.25,"end":2185.87,"sentiment":"neutral","sentiment_score":0.0220517228047053},{"text":"But then if you","start":2186.09,"end":2186.805,"sentiment":"neutral","sentiment_score":0.008158616255968809}],"sentiment":"neutral","sentiment_score":0.02366133771188881,"channel":0,"num_words":23,"start":2174.09,"end":2186.805},{"sentences":[{"text":"Yes.","start":2186.8699,"end":2187.3699,"sentiment":"neutral","sentiment_score":0.018854539841413494}],"sentiment":"neutral","sentiment_score":0.018854539841413494,"channel":1,"num_words":1,"start":2186.8699,"end":2187.3699},{"sentences":[{"text":"see the growth, you have about 80 let's round it up, 85% invested in growth assets.","start":2186.885,"end":2193.065,"sentiment":"neutral","sentiment_score":0.03473357320763171},{"text":"So instead of 80, it's sitting at about 85 due to market conditions at the moment.","start":2193.845,"end":2198.4849,"sentiment":"neutral","sentiment_score":-0.008707343164132908},{"text":"So those figures will always change and fluctuate up and down depending on how the market's trading.","start":2198.4849,"end":2198.9648,"sentiment":"neutral","sentiment_score":-0.010621232473674943},{"text":"Okay.","start":2198.9648,"end":2199.125,"sentiment":"neutral","sentiment_score":0.05126827582716942},{"text":"So","start":2199.125,"end":2199.625,"sentiment":"neutral","sentiment_score":0.05215966701507568}],"sentiment":"neutral","sentiment_score":0.006652679833053958,"channel":0,"num_words":51,"start":2186.885,"end":2199.625},{"sentences":[{"text":"Yes.","start":2199.7651,"end":2200.2651,"sentiment":"neutral","sentiment_score":0.0739034116268158},{"text":"Yes.","start":2201.0452,"end":2201.4,"sentiment":"neutral","sentiment_score":0.1259358525276184},{"text":"Absolutely.","start":2205.16,"end":2205.66,"sentiment":"neutral","sentiment_score":0.1782809942960739},{"text":"Mhmm.","start":2208.44,"end":2208.94,"sentiment":"neutral","sentiment_score":0.039957743138074875},{"text":"No.","start":2209.4,"end":2209.9,"sentiment":"neutral","sentiment_score":-0.03961454704403877}],"sentiment":"neutral","sentiment_score":0.07569269090890884,"channel":1,"num_words":5,"start":2199.7651,"end":2209.9},{"sentences":[{"text":"retirement income calculation.","start":2212.7002,"end":2214.32,"sentiment":"neutral","sentiment_score":-0.05140388384461403},{"text":"So this is based on your information today.","start":2214.645,"end":2217.385,"sentiment":"neutral","sentiment_score":0.00855568703263998},{"text":"So it's","start":2218.405,"end":2218.565,"sentiment":"neutral","sentiment_score":0.012005139142274857}],"sentiment":"neutral","sentiment_score":-0.004750452076013272,"channel":0,"num_words":13,"start":2212.7002,"end":2218.565},{"sentences":[{"text":"Okay.","start":2218.5352,"end":2219.0352,"sentiment":"neutral","sentiment_score":0.0023554861545562744}],"sentiment":"neutral","sentiment_score":0.0023554861545562744,"channel":1,"num_words":1,"start":2218.5352,"end":2219.0352},{"sentences":[{"text":"a very small table.","start":2218.565,"end":2220.585,"sentiment":"neutral","sentiment_score":-0.016322032548487186},{"text":"So I'm just gonna zoom in.","start":2221.125,"end":2222.825,"sentiment":"neutral","sentiment_score":0.00647941860370338},{"text":"So this this is indicative of adviser fees and a consideration has been made for platform costs and investment fees.","start":2224.085,"end":2237.98,"sentiment":"neutral","sentiment_score":0.01133468309417367},{"text":"So this shows you the age pension is the blue part","start":2239.16,"end":2243.9,"sentiment":"neutral","sentiment_score":0.01413845643401146}],"sentiment":"neutral","sentiment_score":0.008678172294777341,"channel":0,"num_words":41,"start":2218.565,"end":2243.9},{"sentences":[{"text":"Mhmm.","start":2244.775,"end":2245.275,"sentiment":"neutral","sentiment_score":0.015623047016561031}],"sentiment":"neutral","sentiment_score":0.015623047016561031,"channel":1,"num_words":1,"start":2244.775,"end":2245.275},{"sentences":[{"text":"of the graph, and the green is the is your superannuation.","start":2245.0,"end":2250.255,"sentiment":"neutral","sentiment_score":0.022593951868739994},{"text":"So","start":2251.355,"end":2251.755,"sentiment":"neutral","sentiment_score":0.013252586126327516}],"sentiment":"neutral","sentiment_score":0.021815504723538954,"channel":0,"num_words":12,"start":2245.0,"end":2251.755},{"sentences":[{"text":"Mhmm.","start":2251.415,"end":2251.915,"sentiment":"neutral","sentiment_score":0.01261417381465435}],"sentiment":"neutral","sentiment_score":0.01261417381465435,"channel":1,"num_words":1,"start":2251.415,"end":2251.915},{"sentences":[{"text":"based on today's situation, your superannuation at $1,000 a week or 2,000 is your target, And this is a very basic one because we're not looking at retirement at the moment specifically.","start":2251.755,"end":2265.0398,"sentiment":"neutral","sentiment_score":-0.0010454666044097394},{"text":"But to give you some insight, your superannuation balance on $2,000 a fortnight is gonna take you to age 91,","start":2265.18,"end":2274.48,"sentiment":"neutral","sentiment_score":0.04173198388889432}],"sentiment":"neutral","sentiment_score":0.015407398969937976,"channel":0,"num_words":52,"start":2251.755,"end":2274.48},{"sentences":[{"text":"Mhmm.","start":2275.3252,"end":2275.8252,"sentiment":"neutral","sentiment_score":0.016185251995921135}],"sentiment":"neutral","sentiment_score":0.016185251995921135,"channel":1,"num_words":1,"start":2275.3252,"end":2275.8252},{"sentences":[{"text":"and that's with a retirement date of 65.","start":2275.8198,"end":2278.915,"sentiment":"neutral","sentiment_score":0.01969125703908503},{"text":"So this starts","start":2278.915,"end":2279.715,"sentiment":"neutral","sentiment_score":0.008473495642344156}],"sentiment":"neutral","sentiment_score":0.01663186756724661,"channel":0,"num_words":11,"start":2275.8198,"end":2279.715},{"sentences":[{"text":"Mhmm.","start":2279.5,"end":2280.0,"sentiment":"neutral","sentiment_score":0.004014758858829737}],"sentiment":"neutral","sentiment_score":0.004014758858829737,"channel":1,"num_words":1,"start":2279.5,"end":2280.0},{"sentences":[{"text":"at 65.","start":2279.715,"end":2280.855,"sentiment":"neutral","sentiment_score":0.05311514809727669},{"text":"So you'll see that at 67, the age pension kicks in, and you don't need to draw as much from super to supplement that difference, which is why your superannuation lasts longer.","start":2281.395,"end":2294.48,"sentiment":"neutral","sentiment_score":0.25718642584979534},{"text":"So once","start":2294.94,"end":2295.5798,"sentiment":"neutral","sentiment_score":0.20911139994859695}],"sentiment":"neutral","sentiment_score":0.24317829786903328,"channel":0,"num_words":36,"start":2279.715,"end":2295.5798},{"sentences":[{"text":"Account.","start":2295.265,"end":2295.765,"sentiment":"neutral","sentiment_score":0.23726700246334076}],"sentiment":"neutral","sentiment_score":0.23726700246334076,"channel":1,"num_words":1,"start":2295.265,"end":2295.765},{"sentences":[{"text":"we've paid off that debt and we're able to put potentially a little bit more into super to build that for you,","start":2295.5798,"end":2302.3198,"sentiment":"positive","sentiment_score":0.4900029545480555}],"sentiment":"positive","sentiment_score":0.4900029545480555,"channel":0,"num_words":22,"start":2295.5798,"end":2302.3198},{"sentences":[{"text":"Yep.","start":2302.705,"end":2303.205,"sentiment":"neutral","sentiment_score":0.1572805494070053}],"sentiment":"neutral","sentiment_score":0.1572805494070053,"channel":1,"num_words":1,"start":2302.705,"end":2303.205},{"sentences":[{"text":"I do not see any reason based on today's state why you would not be able to retire at","start":2302.815,"end":2312.255,"sentiment":"neutral","sentiment_score":-0.28036063125259}],"sentiment":"neutral","sentiment_score":-0.28036063125259,"channel":0,"num_words":19,"start":2302.815,"end":2312.255},{"sentences":[{"text":"Okay.","start":2312.1602,"end":2312.6602,"sentiment":"neutral","sentiment_score":-0.10535231977701189}],"sentiment":"neutral","sentiment_score":-0.10535231977701189,"channel":1,"num_words":1,"start":2312.1602,"end":2312.6602},{"sentences":[{"text":"65.","start":2312.255,"end":2313.155,"sentiment":"neutral","sentiment_score":0.030482951551675797}],"sentiment":"neutral","sentiment_score":0.030482951551675797,"channel":0,"num_words":1,"start":2312.255,"end":2313.155},{"sentences":[{"text":"Yep.","start":2313.6,"end":2314.1,"sentiment":"neutral","sentiment_score":0.08191508799791336}],"sentiment":"neutral","sentiment_score":0.08191508799791336,"channel":1,"num_words":1,"start":2313.6,"end":2314.1},{"sentences":[{"text":"Okay?","start":2313.615,"end":2314.115,"sentiment":"neutral","sentiment_score":0.0629524439573288},{"text":"So I wanted","start":2314.175,"end":2314.815,"sentiment":"neutral","sentiment_score":0.18732145925362906}],"sentiment":"neutral","sentiment_score":0.15622920542955399,"channel":0,"num_words":4,"start":2313.615,"end":2314.815},{"sentences":[{"text":"Mhmm.","start":2314.8,"end":2315.3,"sentiment":"neutral","sentiment_score":0.2739711403846741}],"sentiment":"neutral","sentiment_score":0.2739711403846741,"channel":1,"num_words":1,"start":2314.8,"end":2315.3},{"sentences":[{"text":"to give you a little bit of peace of mind there","start":2314.815,"end":2317.7998,"sentiment":"positive","sentiment_score":0.33530995791608637}],"sentiment":"positive","sentiment_score":0.33530995791608637,"channel":0,"num_words":11,"start":2314.815,"end":2317.7998},{"sentences":[{"text":"Yes.","start":2318.32,"end":2318.82,"sentiment":"neutral","sentiment_score":0.2047433853149414}],"sentiment":"neutral","sentiment_score":0.2047433853149414,"channel":1,"num_words":1,"start":2318.32,"end":2318.82},{"sentences":[{"text":"because I know that that was probably weighing on you.","start":2319.0598,"end":2323.16,"sentiment":"neutral","sentiment_score":0.06625540442764759}],"sentiment":"neutral","sentiment_score":0.06625540442764759,"channel":0,"num_words":10,"start":2319.0598,"end":2323.16},{"sentences":[{"text":"Absolutely.","start":2323.4148,"end":2323.9148,"sentiment":"neutral","sentiment_score":0.24272850155830383},{"text":"Yes.","start":2324.1348,"end":2324.6348,"sentiment":"neutral","sentiment_score":0.1927555799484253}],"sentiment":"neutral","sentiment_score":0.21774204075336456,"channel":1,"num_words":2,"start":2323.4148,"end":2324.6348},{"sentences":[{"text":"Yep.","start":2324.98,"end":2325.48,"sentiment":"neutral","sentiment_score":0.1780819594860077},{"text":"Generally, the next page is the general insurance advice.","start":2328.18,"end":2330.705,"sentiment":"neutral","sentiment_score":0.0770295187830925},{"text":"So this is where I I looked into q super a little bit.","start":2330.705,"end":2333.685,"sentiment":"neutral","sentiment_score":0.07708491757512093},{"text":"It","start":2333.905,"end":2334.145,"sentiment":"neutral","sentiment_score":0.021487299352884293}],"sentiment":"neutral","sentiment_score":0.07895578568180402,"channel":0,"num_words":24,"start":2324.98,"end":2334.145},{"sentences":[{"text":"Yeah.","start":2334.055,"end":2334.48,"sentiment":"neutral","sentiment_score":0.02017231285572052}],"sentiment":"neutral","sentiment_score":0.02017231285572052,"channel":1,"num_words":1,"start":2334.055,"end":2334.48},{"sentences":[{"text":"does say that you are able to decrease it to thirty or sixty days.","start":2334.145,"end":2339.125,"sentiment":"neutral","sentiment_score":0.017406572454742024},{"text":"There are some eligibility requirements.","start":2339.2651,"end":2341.365,"sentiment":"neutral","sentiment_score":-0.09398643672466278},{"text":"I wasn't able to ascertain what those were.","start":2341.53,"end":2344.43,"sentiment":"neutral","sentiment_score":-0.0894381906837225}],"sentiment":"neutral","sentiment_score":-0.03487947017506317,"channel":0,"num_words":27,"start":2334.145,"end":2344.43},{"sentences":[{"text":"Okay.","start":2345.04,"end":2345.54,"sentiment":"neutral","sentiment_score":0.020362377166748047}],"sentiment":"neutral","sentiment_score":0.020362377166748047,"channel":1,"num_words":1,"start":2345.04,"end":2345.54},{"sentences":[{"text":"The change can be done through member online, which you mentioned you tried to do, but it wouldn't","start":2346.8901,"end":2351.69,"sentiment":"neutral","sentiment_score":0.03372336903380023}],"sentiment":"neutral","sentiment_score":0.03372336903380023,"channel":0,"num_words":18,"start":2346.8901,"end":2351.69},{"sentences":[{"text":"Yes.","start":2351.6152,"end":2352.1152,"sentiment":"neutral","sentiment_score":0.04258351027965546}],"sentiment":"neutral","sentiment_score":0.04258351027965546,"channel":1,"num_words":1,"start":2351.6152,"end":2352.1152},{"sentences":[{"text":"work, or","start":2351.69,"end":2352.57,"sentiment":"neutral","sentiment_score":0.04849298670887947}],"sentiment":"neutral","sentiment_score":0.04849298670887947,"channel":0,"num_words":2,"start":2351.69,"end":2352.57},{"sentences":[{"text":"Yep.","start":2352.415,"end":2352.915,"sentiment":"neutral","sentiment_score":0.032624151557683945}],"sentiment":"neutral","sentiment_score":0.032624151557683945,"channel":1,"num_words":1,"start":2352.415,"end":2352.915},{"sentences":[{"text":"completing a change of insurance form.","start":2352.57,"end":2355.005,"sentiment":"neutral","sentiment_score":0.028660886300106842},{"text":"Decreasing the waiting period will increase the cost of your insurance.","start":2356.6648,"end":2360.2048,"sentiment":"neutral","sentiment_score":-0.12931311333721335}],"sentiment":"neutral","sentiment_score":-0.07355758405345328,"channel":0,"num_words":17,"start":2352.57,"end":2360.2048},{"sentences":[{"text":"Mhmm.","start":2360.735,"end":2361.235,"sentiment":"neutral","sentiment_score":-0.015055753290653229}],"sentiment":"neutral","sentiment_score":-0.015055753290653229,"channel":1,"num_words":1,"start":2360.735,"end":2361.235},{"sentences":[{"text":"But if you were unable to do it online, you could try by doing it through the change of insurance form to see if you were successful","start":2360.9048,"end":2371.24,"sentiment":"neutral","sentiment_score":-0.06262899410945398}],"sentiment":"neutral","sentiment_score":-0.06262899410945398,"channel":0,"num_words":27,"start":2360.9048,"end":2371.24},{"sentences":[{"text":"Okay.","start":2371.09,"end":2371.59,"sentiment":"neutral","sentiment_score":-0.007112763822078705}],"sentiment":"neutral","sentiment_score":-0.007112763822078705,"channel":1,"num_words":1,"start":2371.09,"end":2371.59},{"sentences":[{"text":"in doing that.","start":2371.46,"end":2372.36,"sentiment":"neutral","sentiment_score":-0.0022821625073750815},{"text":"Okay?","start":2374.18,"end":2374.68,"sentiment":"neutral","sentiment_score":-0.0012492183595895767}],"sentiment":"neutral","sentiment_score":-0.002023926470428705,"channel":0,"num_words":4,"start":2371.46,"end":2374.68},{"sentences":[{"text":"No.","start":2375.09,"end":2375.33,"sentiment":"neutral","sentiment_score":-0.09043750911951064},{"text":"Thank you for that.","start":2375.33,"end":2376.315,"sentiment":"neutral","sentiment_score":0.12734478525817394}],"sentiment":"neutral","sentiment_score":0.08378832638263703,"channel":1,"num_words":5,"start":2375.09,"end":2376.315},{"sentences":[{"text":"That's okay.","start":2377.1401,"end":2377.96,"sentiment":"neutral","sentiment_score":0.2052454799413681},{"text":"And then the next page is establishing your beneficiary nomination.","start":2378.66,"end":2382.585,"sentiment":"neutral","sentiment_score":0.11185093447566033},{"text":"So at the moment, we we have recommended making them to your legal personal representative, which is basically your will.","start":2385.5251,"end":2394.185,"sentiment":"neutral","sentiment_score":0.05918482057750225}],"sentiment":"neutral","sentiment_score":0.08477177238091826,"channel":0,"num_words":32,"start":2377.1401,"end":2394.185},{"sentences":[{"text":"Mhmm.","start":2394.8901,"end":2395.3901,"sentiment":"neutral","sentiment_score":0.02956780232489109}],"sentiment":"neutral","sentiment_score":0.02956780232489109,"channel":1,"num_words":1,"start":2394.8901,"end":2395.3901},{"sentences":[{"text":"So that's one thing that I do need to just flag with you that the reason why we have made it to your legal personal representative is because it you save approximately 2% on tax payable to the government","start":2396.1702,"end":2412.065,"sentiment":"neutral","sentiment_score":0.1078274381848482}],"sentiment":"neutral","sentiment_score":0.1078274381848482,"channel":0,"num_words":39,"start":2396.1702,"end":2412.065},{"sentences":[{"text":"I'm home.","start":2412.505,"end":2413.2449,"sentiment":"neutral","sentiment_score":0.09323028102517128}],"sentiment":"neutral","sentiment_score":0.09323028102517128,"channel":1,"num_words":2,"start":2412.505,"end":2413.2449},{"sentences":[{"text":"on your balances.","start":2413.245,"end":2414.305,"sentiment":"neutral","sentiment_score":0.08041748404502869},{"text":"But I also note that you don't have a will in place at the moment yet either.","start":2415.885,"end":2419.665,"sentiment":"neutral","sentiment_score":-0.13238199142848744},{"text":"So","start":2420.125,"end":2420.625,"sentiment":"neutral","sentiment_score":-0.12263724207878111}],"sentiment":"neutral","sentiment_score":-0.10151803067752294,"channel":0,"num_words":21,"start":2413.245,"end":2420.625},{"sentences":[{"text":"No.","start":2420.25,"end":2420.75,"sentiment":"neutral","sentiment_score":-0.2265702337026596}],"sentiment":"neutral","sentiment_score":-0.2265702337026596,"channel":1,"num_words":1,"start":2420.25,"end":2420.75},{"sentences":[{"text":"it's it would be if you if you did pass away with no will, it would go to, I believe, the Queensland trustees to manage it.","start":2423.325,"end":2434.2998,"sentiment":"neutral","sentiment_score":-0.19478870326509842},{"text":"If you there are many ways you can get a will.","start":2435.72,"end":2438.405,"sentiment":"neutral","sentiment_score":0.19234205105087973},{"text":"You can go I think there's a few online that you can do that you can utilize that are very low cost.","start":2438.405,"end":2447.305,"sentiment":"positive","sentiment_score":0.3956136764450507},{"text":"There's also the post office ones, I think, you can go get or","start":2447.445,"end":2452.2651,"sentiment":"neutral","sentiment_score":0.22608873477348915}],"sentiment":"neutral","sentiment_score":0.12074875986824433,"channel":0,"num_words":72,"start":2423.325,"end":2452.2651},{"sentences":[{"text":"Mhmm.","start":2452.405,"end":2452.905,"sentiment":"neutral","sentiment_score":0.15048666298389435}],"sentiment":"neutral","sentiment_score":0.15048666298389435,"channel":1,"num_words":1,"start":2452.405,"end":2452.905},{"sentences":[{"text":"or something.","start":2453.3398,"end":2454.24,"sentiment":"neutral","sentiment_score":0.15924948453903198},{"text":"So I'll just I'll leave that with you and see how you go, and I can provide you with some resources if you need","start":2454.2998,"end":2465.115,"sentiment":"positive","sentiment_score":0.36196189435819787}],"sentiment":"positive","sentiment_score":0.34636863206441587,"channel":0,"num_words":26,"start":2453.3398,"end":2465.115},{"sentences":[{"text":"So we change it, like, the nominee goes to, like, a lawyer","start":2465.925,"end":2469.9001,"sentiment":"neutral","sentiment_score":0.048247204162180424}],"sentiment":"neutral","sentiment_score":0.048247204162180424,"channel":1,"num_words":12,"start":2465.925,"end":2469.9001},{"sentences":[{"text":"to.","start":2470.395,"end":2470.895,"sentiment":"neutral","sentiment_score":0.027379676699638367},{"text":"To your","start":2470.955,"end":2471.515,"sentiment":"neutral","sentiment_score":0.03137441352009773}],"sentiment":"neutral","sentiment_score":0.03004283457994461,"channel":0,"num_words":3,"start":2470.395,"end":2471.515},{"sentences":[{"text":"as a legal","start":2471.24,"end":2471.98,"sentiment":"neutral","sentiment_score":0.05098995938897133}],"sentiment":"neutral","sentiment_score":0.05098995938897133,"channel":1,"num_words":3,"start":2471.24,"end":2471.98},{"sentences":[{"text":"estate to your will.","start":2471.515,"end":2473.055,"sentiment":"neutral","sentiment_score":0.06948645133525133},{"text":"So a legal personal representative for superannuation is your will for your estate.","start":2473.115,"end":2477.935,"sentiment":"neutral","sentiment_score":0.09087990023768865}],"sentiment":"neutral","sentiment_score":0.08584614755476222,"channel":0,"num_words":17,"start":2471.515,"end":2477.935},{"sentences":[{"text":"oh, okay.","start":2479.4001,"end":2480.22,"sentiment":"neutral","sentiment_score":0.06645559147000313}],"sentiment":"neutral","sentiment_score":0.06645559147000313,"channel":1,"num_words":2,"start":2479.4001,"end":2480.22},{"sentences":[{"text":"So, yeah, that's what the superannuation companies refer to as your estate.","start":2479.79,"end":2487.09,"sentiment":"neutral","sentiment_score":0.07318064756691456},{"text":"So instead of saying","start":2487.15,"end":2488.03,"sentiment":"neutral","sentiment_score":0.0045815929770469666}],"sentiment":"neutral","sentiment_score":0.05603088391944766,"channel":0,"num_words":16,"start":2479.79,"end":2488.03},{"sentences":[{"text":"Mhmm.","start":2487.815,"end":2488.315,"sentiment":"neutral","sentiment_score":0.005138068459928036}],"sentiment":"neutral","sentiment_score":0.005138068459928036,"channel":1,"num_words":1,"start":2487.815,"end":2488.315},{"sentences":[{"text":"estate, they say legal personal representative, which","start":2488.03,"end":2491.2651,"sentiment":"neutral","sentiment_score":0.005391043078686509}],"sentiment":"neutral","sentiment_score":0.005391043078686509,"channel":0,"num_words":7,"start":2488.03,"end":2491.2651},{"sentences":[{"text":"Oh,","start":2491.1748,"end":2491.4949,"sentiment":"neutral","sentiment_score":0.023043973371386528}],"sentiment":"neutral","sentiment_score":0.023043973371386528,"channel":1,"num_words":1,"start":2491.1748,"end":2491.4949},{"sentences":[{"text":"is essentially","start":2491.2651,"end":2491.925,"sentiment":"neutral","sentiment_score":0.02574070170521736}],"sentiment":"neutral","sentiment_score":0.02574070170521736,"channel":0,"num_words":2,"start":2491.2651,"end":2491.925},{"sentences":[{"text":"okay.","start":2491.4949,"end":2491.9949,"sentiment":"neutral","sentiment_score":0.06011667847633362}],"sentiment":"neutral","sentiment_score":0.06011667847633362,"channel":1,"num_words":1,"start":2491.4949,"end":2491.9949},{"sentences":[{"text":"the executor of your will.","start":2492.625,"end":2494.405,"sentiment":"neutral","sentiment_score":0.06767993122339248},{"text":"So, yeah, it it's probably pretty important to get one done up.","start":2494.945,"end":2501.0452,"sentiment":"neutral","sentiment_score":0.12879149739940962},{"text":"We can definitely direct your superannuation to somebody over the age of 18.","start":2502.385,"end":2509.66,"sentiment":"neutral","sentiment_score":0.22771118581295013},{"text":"However, they will pay 15% superannuation tax as well as the 2% on top of that for Medicare.","start":2510.2,"end":2520.795,"sentiment":"neutral","sentiment_score":-0.06384691906472047},{"text":"Yeah.","start":2521.2551,"end":2521.7551,"sentiment":"neutral","sentiment_score":0.09954549372196198}],"sentiment":"neutral","sentiment_score":0.0774376324701066,"channel":0,"num_words":49,"start":2492.625,"end":2521.7551},{"sentences":[{"text":"Yeah.","start":2521.895,"end":2522.135,"sentiment":"neutral","sentiment_score":0.14297786355018616},{"text":"They don't miss you.","start":2522.135,"end":2523.275,"sentiment":"neutral","sentiment_score":0.1041557565331459},{"text":"So the reason why we do say a will is simply because you save the 2% on tax if you're having if your beneficiary is a nonfinancial dependent, which we discussed previously, is your current one with hub twenty four is not a financial dependent under superannuation and tax law.","start":2523.335,"end":2550.515,"sentiment":"neutral","sentiment_score":0.19854126013815404}],"sentiment":"neutral","sentiment_score":0.19066661630164494,"channel":0,"num_words":55,"start":2521.895,"end":2550.515},{"sentences":[{"text":"Okay.","start":2551.57,"end":2552.07,"sentiment":"neutral","sentiment_score":0.11216294765472412}],"sentiment":"neutral","sentiment_score":0.11216294765472412,"channel":1,"num_words":1,"start":2551.57,"end":2552.07},{"sentences":[{"text":"So we can definitely still nominate an individual until you get a will in place, but I","start":2553.695,"end":2562.9749,"sentiment":"neutral","sentiment_score":0.12462566354695488}],"sentiment":"neutral","sentiment_score":0.12462566354695488,"channel":0,"num_words":17,"start":2553.695,"end":2562.9749},{"sentences":[{"text":"Mhmm.","start":2562.9448,"end":2563.4448,"sentiment":"neutral","sentiment_score":0.031530123203992844}],"sentiment":"neutral","sentiment_score":0.031530123203992844,"channel":1,"num_words":1,"start":2562.9448,"end":2563.4448},{"sentences":[{"text":"would strongly recommend looking into that will situation as soon as you can.","start":2562.9749,"end":2568.01,"sentiment":"neutral","sentiment_score":0.08486754275285281}],"sentiment":"neutral","sentiment_score":0.08486754275285281,"channel":0,"num_words":13,"start":2562.9749,"end":2568.01},{"sentences":[{"text":"Yes.","start":2568.1448,"end":2568.4648,"sentiment":"neutral","sentiment_score":0.18210294842720032},{"text":"Absolutely.","start":2568.4648,"end":2568.9648,"sentiment":"neutral","sentiment_score":0.1937890350818634}],"sentiment":"neutral","sentiment_score":0.18794599175453186,"channel":1,"num_words":2,"start":2568.1448,"end":2568.9648},{"sentences":[{"text":"So on that, did you want to nominate an individual, or did you with your beneficiary nominations?","start":2570.87,"end":2577.765,"sentiment":"neutral","sentiment_score":0.04095477260210935},{"text":"Because that's something that I do need to make sure I address for you.","start":2577.9248,"end":2581.305,"sentiment":"neutral","sentiment_score":0.0022707372637731688}],"sentiment":"neutral","sentiment_score":0.023484563094473655,"channel":0,"num_words":31,"start":2570.87,"end":2581.305},{"sentences":[{"text":"So I can't put my kids, can I?","start":2582.56,"end":2584.5798,"sentiment":"neutral","sentiment_score":-0.08402787055820227}],"sentiment":"neutral","sentiment_score":-0.08402787055820227,"channel":1,"num_words":8,"start":2582.56,"end":2584.5798},{"sentences":[{"text":"You can, but they will pay the 17% tax instead of the 15% tax your estate would","start":2585.045,"end":2591.51,"sentiment":"neutral","sentiment_score":-0.06262132087174584}],"sentiment":"neutral","sentiment_score":-0.06262132087174584,"channel":0,"num_words":17,"start":2585.045,"end":2591.51},{"sentences":[{"text":"Okay.","start":2592.795,"end":2593.295,"sentiment":"neutral","sentiment_score":0.00507267564535141},{"text":"So","start":2593.355,"end":2593.855,"sentiment":"neutral","sentiment_score":-0.022988036274909973}],"sentiment":"neutral","sentiment_score":-0.008957680314779282,"channel":1,"num_words":2,"start":2592.795,"end":2593.855},{"sentences":[{"text":"pay.","start":2594.77,"end":2595.27,"sentiment":"neutral","sentiment_score":-0.023108966648578644},{"text":"For as a stopgap for the time being, if you","start":2596.37,"end":2599.97,"sentiment":"neutral","sentiment_score":-0.01859926711767912}],"sentiment":"neutral","sentiment_score":-0.019009239802306347,"channel":0,"num_words":11,"start":2594.77,"end":2599.97},{"sentences":[{"text":"yep.","start":2599.8975,"end":2600.04,"sentiment":"neutral","sentiment_score":-0.04112878069281578}],"sentiment":"neutral","sentiment_score":-0.04112878069281578,"channel":1,"num_words":1,"start":2599.8975,"end":2600.04},{"sentences":[{"text":"wanted to until you got the will done, you could put your kids.","start":2599.97,"end":2605.1,"sentiment":"neutral","sentiment_score":-0.0072602506440419415},{"text":"Once you got the will done, if your kids were the beneficiary of your will, you we can change that to then being your estate.","start":2605.1,"end":2615.805,"sentiment":"neutral","sentiment_score":0.005250827372074127}],"sentiment":"neutral","sentiment_score":0.0009707217349817878,"channel":0,"num_words":38,"start":2599.97,"end":2615.805},{"sentences":[{"text":"So I've got my dad's old.","start":2617.675,"end":2619.035,"sentiment":"neutral","sentiment_score":-0.1364243390659491},{"text":"I'm trying to put him down for the time being.","start":2619.035,"end":2620.975,"sentiment":"neutral","sentiment_score":-0.16435238867998123}],"sentiment":"neutral","sentiment_score":-0.1538793700747192,"channel":1,"num_words":16,"start":2617.675,"end":2620.975},{"sentences":[{"text":"Sorry?","start":2622.56,"end":2623.06,"sentiment":"neutral","sentiment_score":-0.1021023765206337}],"sentiment":"neutral","sentiment_score":-0.1021023765206337,"channel":0,"num_words":1,"start":2622.56,"end":2623.06},{"sentences":[{"text":"So I just put my dad down for the time being or","start":2623.435,"end":2625.915,"sentiment":"neutral","sentiment_score":-0.06659870532651742}],"sentiment":"neutral","sentiment_score":-0.06659870532651742,"channel":1,"num_words":12,"start":2623.435,"end":2625.915},{"sentences":[{"text":"As your beneficiary?","start":2627.44,"end":2628.42,"sentiment":"neutral","sentiment_score":-0.032136496156454086}],"sentiment":"neutral","sentiment_score":-0.032136496156454086,"channel":0,"num_words":3,"start":2627.44,"end":2628.42},{"sentences":[{"text":"yeah.","start":2629.115,"end":2629.615,"sentiment":"neutral","sentiment_score":-0.00925084576010704}],"sentiment":"neutral","sentiment_score":-0.00925084576010704,"channel":1,"num_words":1,"start":2629.115,"end":2629.615},{"sentences":[{"text":"So do you want your dad to get your superannuation or your children?","start":2630.8,"end":2634.02,"sentiment":"neutral","sentiment_score":-0.015747819469722275}],"sentiment":"neutral","sentiment_score":-0.015747819469722275,"channel":0,"num_words":13,"start":2630.8,"end":2634.02},{"sentences":[{"text":"Oh, no.","start":2633.7002,"end":2634.1,"sentiment":"neutral","sentiment_score":-0.11802517995238304},{"text":"No.","start":2634.1,"end":2634.34,"sentiment":"neutral","sentiment_score":-0.14224332571029663},{"text":"My kids.","start":2634.34,"end":2634.9802,"sentiment":"neutral","sentiment_score":-0.1458635926246643},{"text":"Sorry.","start":2634.9802,"end":2635.2202,"sentiment":"neutral","sentiment_score":-0.11162722110748292},{"text":"Yeah.","start":2635.2202,"end":2635.54,"sentiment":"neutral","sentiment_score":-0.03891703486442566}],"sentiment":"neutral","sentiment_score":-0.11722358954804284,"channel":1,"num_words":7,"start":2633.7002,"end":2635.54},{"sentences":[{"text":"Sorry.","start":2635.54,"end":2636.04,"sentiment":"neutral","sentiment_score":-0.03570304065942764}],"sentiment":"neutral","sentiment_score":-0.03570304065942764,"channel":1,"num_words":1,"start":2635.54,"end":2636.04},{"sentences":[{"text":"Yes.","start":2636.16,"end":2636.64,"sentiment":"neutral","sentiment_score":0.03088926523923874},{"text":"Yep.","start":2636.64,"end":2637.045,"sentiment":"neutral","sentiment_score":0.04717645049095154}],"sentiment":"neutral","sentiment_score":0.03903285786509514,"channel":0,"num_words":2,"start":2636.16,"end":2637.045},{"sentences":[{"text":"Yeah.","start":2636.9802,"end":2637.4802,"sentiment":"neutral","sentiment_score":0.04488340765237808}],"sentiment":"neutral","sentiment_score":0.04488340765237808,"channel":1,"num_words":1,"start":2636.9802,"end":2637.4802},{"sentences":[{"text":"Okay.","start":2637.125,"end":2637.4448,"sentiment":"neutral","sentiment_score":0.03817639499902725},{"text":"So you so your two children being the beneficiaries?","start":2637.4448,"end":2640.665,"sentiment":"neutral","sentiment_score":0.03594872169196606}],"sentiment":"neutral","sentiment_score":0.03617148902267218,"channel":0,"num_words":10,"start":2637.125,"end":2640.665},{"sentences":[{"text":"Yeah.","start":2641.2202,"end":2641.7202,"sentiment":"neutral","sentiment_score":0.07230738550424576}],"sentiment":"neutral","sentiment_score":0.07230738550424576,"channel":1,"num_words":1,"start":2641.2202,"end":2641.7202},{"sentences":[{"text":"Yep.","start":2642.565,"end":2642.9648,"sentiment":"neutral","sentiment_score":0.07105155289173126},{"text":"Okay.","start":2642.9648,"end":2643.4648,"sentiment":"neutral","sentiment_score":0.06230921298265457},{"text":"Well, we'll make sure those forms are included in the pack","start":2643.845,"end":2646.825,"sentiment":"neutral","sentiment_score":0.0688646947118369}],"sentiment":"neutral","sentiment_score":0.06852864674650706,"channel":0,"num_words":13,"start":2642.565,"end":2646.825},{"sentences":[{"text":"Mhmm.","start":2647.415,"end":2647.915,"sentiment":"neutral","sentiment_score":0.034867383539676666}],"sentiment":"neutral","sentiment_score":0.034867383539676666,"channel":1,"num_words":1,"start":2647.415,"end":2647.915},{"sentences":[{"text":"for you.","start":2647.765,"end":2648.505,"sentiment":"neutral","sentiment_score":0.026695631444454193},{"text":"The next couple of pages cover off on why you should establish a will and a power of attorney, which we talked through in our review.","start":2651.285,"end":2659.22,"sentiment":"neutral","sentiment_score":0.00914256783345571}],"sentiment":"neutral","sentiment_score":0.010396358091384172,"channel":0,"num_words":28,"start":2647.765,"end":2659.22},{"sentences":[{"text":"Yep.","start":2659.11,"end":2659.61,"sentiment":"neutral","sentiment_score":0.0621667318046093}],"sentiment":"neutral","sentiment_score":0.0621667318046093,"channel":1,"num_words":1,"start":2659.11,"end":2659.61},{"sentences":[{"text":"That's","start":2659.52,"end":2659.92,"sentiment":"neutral","sentiment_score":0.06357777118682861}],"sentiment":"neutral","sentiment_score":0.06357777118682861,"channel":0,"num_words":1,"start":2659.52,"end":2659.92},{"sentences":[{"text":"Yep.","start":2659.75,"end":2660.25,"sentiment":"neutral","sentiment_score":0.05053028464317322}],"sentiment":"neutral","sentiment_score":0.05053028464317322,"channel":1,"num_words":1,"start":2659.75,"end":2660.25},{"sentences":[{"text":"in there just to give you the information there.","start":2659.92,"end":2662.58,"sentiment":"neutral","sentiment_score":0.042574887060456805}],"sentiment":"neutral","sentiment_score":0.042574887060456805,"channel":0,"num_words":9,"start":2659.92,"end":2662.58},{"sentences":[{"text":"Mhmm.","start":2663.1902,"end":2663.6902,"sentiment":"neutral","sentiment_score":0.017619360238313675}],"sentiment":"neutral","sentiment_score":0.017619360238313675,"channel":1,"num_words":1,"start":2663.1902,"end":2663.6902},{"sentences":[{"text":"Page 33 is our ongoing services.","start":2663.6,"end":2667.205,"sentiment":"neutral","sentiment_score":0.04093201396365961},{"text":"So this is by being a client what you receive from us.","start":2667.2651,"end":2672.085,"sentiment":"neutral","sentiment_score":0.08865156583487988},{"text":"Like I mentioned, you're not limited to your one annual review a year.","start":2672.145,"end":2676.5652,"sentiment":"neutral","sentiment_score":0.0803177052965531},{"text":"We have an ongoing relationship.","start":2676.625,"end":2678.085,"sentiment":"neutral","sentiment_score":0.10668183118104935},{"text":"So as you need advice or if all things change, you just reach out, and we're that's what we're here for to provide advice.","start":2678.225,"end":2687.85,"sentiment":"neutral","sentiment_score":0.12440194531033437}],"sentiment":"neutral","sentiment_score":0.09787661476681629,"channel":0,"num_words":60,"start":2663.6,"end":2687.85},{"sentences":[{"text":"Beautiful.","start":2688.3,"end":2688.8,"sentiment":"positive","sentiment_score":0.6112033128738403},{"text":"Thank you.","start":2689.1,"end":2689.84,"sentiment":"positive","sentiment_score":0.64729043841362}],"sentiment":"positive","sentiment_score":0.6352613965670267,"channel":1,"num_words":3,"start":2688.3,"end":2689.84},{"sentences":[{"text":"The important information is it just outlines the next steps, your reviews.","start":2691.03,"end":2696.495,"sentiment":"neutral","sentiment_score":0.21095742409427962},{"text":"So participate in your reviews because, you know, like we did this year, we got a lot we're we're ticking a lot of boxes off.","start":2696.495,"end":2704.5151,"sentiment":"neutral","sentiment_score":0.15683800846338272},{"text":"Product disclosure statements, which I'll talk to in a second, our privacy policy.","start":2705.695,"end":2711.6702,"sentiment":"neutral","sentiment_score":0.08196182921528816},{"text":"So they're the all the important little bits of documentation that you need to be able to refer to.","start":2713.01,"end":2718.23,"sentiment":"neutral","sentiment_score":0.10538650343292638}],"sentiment":"neutral","sentiment_score":0.1379751687788445,"channel":0,"num_words":69,"start":2691.03,"end":2718.23},{"sentences":[{"text":"Yep.","start":2718.6501,"end":2719.1501,"sentiment":"neutral","sentiment_score":0.05691421777009964}],"sentiment":"neutral","sentiment_score":0.05691421777009964,"channel":1,"num_words":1,"start":2718.6501,"end":2719.1501},{"sentences":[{"text":"The next page is remuneration, so our fees.","start":2719.73,"end":2723.045,"sentiment":"neutral","sentiment_score":0.01396162947639823},{"text":"Our fee, again, hasn't changed from when we spoke last time.","start":2723.905,"end":2728.165,"sentiment":"neutral","sentiment_score":-0.02210879275067286},{"text":"I mean, the dollar fee might have changed a little bit depending on the balance,","start":2728.305,"end":2731.685,"sentiment":"neutral","sentiment_score":-0.0190541240076224}],"sentiment":"neutral","sentiment_score":-0.012273986604722106,"channel":0,"num_words":34,"start":2719.73,"end":2731.685},{"sentences":[{"text":"Yep.","start":2732.1848,"end":2732.46,"sentiment":"neutral","sentiment_score":0.002517136512324214}],"sentiment":"neutral","sentiment_score":0.002517136512324214,"channel":1,"num_words":1,"start":2732.1848,"end":2732.46},{"sentences":[{"text":"but it's 1.65%.","start":2732.625,"end":2734.885,"sentiment":"neutral","sentiment_score":-0.014508563093841076},{"text":"So ongoing, it would be $3,039 per year, and then that's divided by 12 and paid monthly.","start":2734.945,"end":2742.1401,"sentiment":"neutral","sentiment_score":0.029233786332256654}],"sentiment":"neutral","sentiment_score":0.022672433918341995,"channel":0,"num_words":20,"start":2732.625,"end":2742.1401},{"sentences":[{"text":"Mhmm.","start":2742.46,"end":2742.6199,"sentiment":"neutral","sentiment_score":0.08813677728176117},{"text":"Yep.","start":2742.6199,"end":2743.02,"sentiment":"neutral","sentiment_score":0.23995265364646912},{"text":"Perfect.","start":2743.02,"end":2743.52,"sentiment":"positive","sentiment_score":0.6097012758255005},{"text":"Mhmm.","start":2744.475,"end":2744.975,"sentiment":"neutral","sentiment_score":0.2201387882232666}],"sentiment":"neutral","sentiment_score":0.28948237374424934,"channel":1,"num_words":4,"start":2742.46,"end":2744.975},{"sentences":[{"text":"The next page is the authority to proceed.","start":2746.12,"end":2748.2202,"sentiment":"neutral","sentiment_score":0.14758677408099174},{"text":"So that just gives you a very high level overview","start":2748.36,"end":2751.715,"sentiment":"neutral","sentiment_score":0.24283870309591293}],"sentiment":"neutral","sentiment_score":0.20050451242261463,"channel":0,"num_words":18,"start":2746.12,"end":2751.715},{"sentences":[{"text":"Yep.","start":2751.2324,"end":2751.7324,"sentiment":"neutral","sentiment_score":0.1989244818687439}],"sentiment":"neutral","sentiment_score":0.1989244818687439,"channel":1,"num_words":1,"start":2751.2324,"end":2751.7324},{"sentences":[{"text":"of what all those things are that we just spoke about and what page number you can refer to it.","start":2751.7751,"end":2757.795,"sentiment":"neutral","sentiment_score":0.16874998733401297}],"sentiment":"neutral","sentiment_score":0.16874998733401297,"channel":0,"num_words":20,"start":2751.7751,"end":2757.795},{"sentences":[{"text":"Perfect.","start":2758.23,"end":2758.73,"sentiment":"positive","sentiment_score":0.6127349734306335}],"sentiment":"positive","sentiment_score":0.6127349734306335,"channel":1,"num_words":1,"start":2758.23,"end":2758.73},{"sentences":[{"text":"And the next page again is just a very quick summary of the remuneration.","start":2759.7751,"end":2763.795,"sentiment":"positive","sentiment_score":0.38000229213918957},{"text":"So that same figure again paid by your super and then","start":2764.095,"end":2767.76,"sentiment":"neutral","sentiment_score":0.3055262145670978}],"sentiment":"positive","sentiment_score":0.3472328180074692,"channel":0,"num_words":25,"start":2759.7751,"end":2767.76},{"sentences":[{"text":"Yep.","start":2767.59,"end":2768.09,"sentiment":"neutral","sentiment_score":0.16866366565227509}],"sentiment":"neutral","sentiment_score":0.16866366565227509,"channel":1,"num_words":1,"start":2767.59,"end":2768.09},{"sentences":[{"text":"the steps to implement our advice","start":2767.9001,"end":2770.2402,"sentiment":"neutral","sentiment_score":0.2050512433052063}],"sentiment":"neutral","sentiment_score":0.2050512433052063,"channel":0,"num_words":6,"start":2767.9001,"end":2770.2402},{"sentences":[{"text":"Okay.","start":2771.19,"end":2771.67,"sentiment":"positive","sentiment_score":0.4051078259944916}],"sentiment":"positive","sentiment_score":0.4051078259944916,"channel":1,"num_words":1,"start":2771.19,"end":2771.67},{"sentences":[{"text":"that","start":2771.5,"end":2771.7402,"sentiment":"positive","sentiment_score":0.5592862367630005}],"sentiment":"positive","sentiment_score":0.5592862367630005,"channel":0,"num_words":1,"start":2771.5,"end":2771.7402},{"sentences":[{"text":"Beautiful.","start":2771.67,"end":2772.17,"sentiment":"positive","sentiment_score":0.594801664352417}],"sentiment":"positive","sentiment_score":0.594801664352417,"channel":1,"num_words":1,"start":2771.67,"end":2772.17},{"sentences":[{"text":"we will take.","start":2771.7402,"end":2772.7202,"sentiment":"neutral","sentiment_score":0.3280614912509918}],"sentiment":"neutral","sentiment_score":0.3280614912509918,"channel":0,"num_words":3,"start":2771.7402,"end":2772.7202},{"sentences":[{"text":"Yes.","start":2773.405,"end":2773.905,"sentiment":"neutral","sentiment_score":0.10237300395965576}],"sentiment":"neutral","sentiment_score":0.10237300395965576,"channel":1,"num_words":1,"start":2773.405,"end":2773.905},{"sentences":[{"text":"Then the next page is the signature page.","start":2773.9802,"end":2776.78,"sentiment":"neutral","sentiment_score":0.028112950269132853},{"text":"You'll notice in that there's a large empty area.","start":2776.78,"end":2780.825,"sentiment":"neutral","sentiment_score":-0.019918627726535004},{"text":"If","start":2781.2852,"end":2781.5251,"sentiment":"neutral","sentiment_score":-0.06437281519174576}],"sentiment":"neutral","sentiment_score":-0.0010409368098609978,"channel":0,"num_words":18,"start":2773.9802,"end":2781.5251},{"sentences":[{"text":"Mhmm.","start":2781.4849,"end":2781.9849,"sentiment":"neutral","sentiment_score":-0.0425800159573555}],"sentiment":"neutral","sentiment_score":-0.0425800159573555,"channel":1,"num_words":1,"start":2781.4849,"end":2781.9849},{"sentences":[{"text":"you don't wanna proceed with any of our advice, so let's say, for example, you decided I I don't want to roll over my q supra.","start":2781.5251,"end":2794.2002,"sentiment":"neutral","sentiment_score":-0.11672022021733798},{"text":"I wanna leave it where it is and just see how things go.","start":2794.2002,"end":2797.1,"sentiment":"neutral","sentiment_score":-0.0004821375298958558},{"text":"You would","start":2797.32,"end":2797.8,"sentiment":"neutral","sentiment_score":-0.0023171305656433105}],"sentiment":"neutral","sentiment_score":-0.07428360426026147,"channel":0,"num_words":41,"start":2781.5251,"end":2797.8},{"sentences":[{"text":"Mhmm.","start":2797.74,"end":2798.145,"sentiment":"neutral","sentiment_score":0.019860265776515007}],"sentiment":"neutral","sentiment_score":0.019860265776515007,"channel":1,"num_words":1,"start":2797.74,"end":2798.145},{"sentences":[{"text":"write that in that section.","start":2797.8,"end":2799.26,"sentiment":"neutral","sentiment_score":0.010273449867963792},{"text":"So any changes, you'd write in that section or something you didn't wanna proceed with, and then you'd sign it.","start":2799.32,"end":2805.115,"sentiment":"neutral","sentiment_score":0.002157109184190631},{"text":"If you wanted to go ahead with all of it, you'd just sign it and put nothing in that section.","start":2805.115,"end":2809.5352,"sentiment":"neutral","sentiment_score":0.019354206137359144}],"sentiment":"neutral","sentiment_score":0.01070207901712921,"channel":0,"num_words":45,"start":2797.8,"end":2809.5352},{"sentences":[{"text":"Okay.","start":2810.305,"end":2810.7,"sentiment":"neutral","sentiment_score":0.027761731296777725}],"sentiment":"neutral","sentiment_score":0.027761731296777725,"channel":1,"num_words":1,"start":2810.305,"end":2810.7},{"sentences":[{"text":"Any questions about the advice document?","start":2813.915,"end":2816.175,"sentiment":"neutral","sentiment_score":0.029553125301996868}],"sentiment":"neutral","sentiment_score":0.029553125301996868,"channel":0,"num_words":6,"start":2813.915,"end":2816.175},{"sentences":[{"text":"Perfect.","start":2816.6199,"end":2816.8599,"sentiment":"neutral","sentiment_score":0.12361987680196762},{"text":"No.","start":2816.8599,"end":2817.3599,"sentiment":"neutral","sentiment_score":-0.08708682656288147}],"sentiment":"neutral","sentiment_score":0.018266525119543076,"channel":1,"num_words":2,"start":2816.6199,"end":2817.3599},{"sentences":[{"text":"No?","start":2818.0752,"end":2818.475,"sentiment":"neutral","sentiment_score":-0.04200802743434906},{"text":"Okay.","start":2818.475,"end":2818.975,"sentiment":"neutral","sentiment_score":0.005789035931229591},{"text":"The next the next document is the appendix to the statement of advice.","start":2819.61,"end":2824.75,"sentiment":"neutral","sentiment_score":0.03413785592867778},{"text":"So the first page and the second page is, again, a cover page and a table of contents.","start":2825.53,"end":2829.87,"sentiment":"neutral","sentiment_score":0.040119647358854614}],"sentiment":"neutral","sentiment_score":0.03423414509179014,"channel":0,"num_words":33,"start":2818.0752,"end":2829.87},{"sentences":[{"text":"Mhmm.","start":2831.0352,"end":2831.5352,"sentiment":"neutral","sentiment_score":0.01960824616253376}],"sentiment":"neutral","sentiment_score":0.01960824616253376,"channel":1,"num_words":1,"start":2831.0352,"end":2831.5352},{"sentences":[{"text":"The third page is a breakdown of risk profiles.","start":2832.01,"end":2835.1501,"sentiment":"neutral","sentiment_score":0.04327089091142019},{"text":"So So you've got your gross sitting in the mid middle there.","start":2835.2102,"end":2838.565,"sentiment":"neutral","sentiment_score":0.06271016815056403},{"text":"And, again, that just shows you where we allocate most of your funds.","start":2838.705,"end":2842.705,"sentiment":"neutral","sentiment_score":0.08108676626132084},{"text":"So, again, 80% to gross, 20% to defensive, and then breaks it down where we would typically invest across the different sectors.","start":2842.705,"end":2850.335,"sentiment":"neutral","sentiment_score":0.08390202136202292}],"sentiment":"neutral","sentiment_score":0.07217736548877188,"channel":0,"num_words":56,"start":2832.01,"end":2850.335},{"sentences":[{"text":"Okay.","start":2852.8252,"end":2853.225,"sentiment":"neutral","sentiment_score":0.19271419942379},{"text":"Perfect.","start":2853.225,"end":2853.725,"sentiment":"neutral","sentiment_score":0.32973992824554443}],"sentiment":"neutral","sentiment_score":0.2612270638346672,"channel":1,"num_words":2,"start":2852.8252,"end":2853.725},{"sentences":[{"text":"Important relationships and information.","start":2855.96,"end":2857.74,"sentiment":"neutral","sentiment_score":0.13111408427357674},{"text":"So the content of the SOA is just based on the information you've given me.","start":2857.8,"end":2861.82,"sentiment":"neutral","sentiment_score":0.08401522288719813}],"sentiment":"neutral","sentiment_score":0.09393077265275152,"channel":0,"num_words":19,"start":2855.96,"end":2861.82},{"sentences":[{"text":"Mhmm.","start":2862.2651,"end":2862.72,"sentiment":"neutral","sentiment_score":0.007277642376720905}],"sentiment":"neutral","sentiment_score":0.007277642376720905,"channel":1,"num_words":1,"start":2862.2651,"end":2862.72},{"sentences":[{"text":"The currency of the SOA is sixty days from the date of the SOA.","start":2863.0,"end":2867.435,"sentiment":"neutral","sentiment_score":-0.012934169732034206},{"text":"No product guarantee.","start":2869.575,"end":2870.7148,"sentiment":"neutral","sentiment_score":-0.26363280912240344},{"text":"So like anything, we don't say that it's going to perform and do 20% and make promises that we can't keep,","start":2870.775,"end":2880.53,"sentiment":"neutral","sentiment_score":-0.26875333913734983}],"sentiment":"neutral","sentiment_score":-0.1740999190921062,"channel":0,"num_words":38,"start":2863.0,"end":2880.53},{"sentences":[{"text":"Yep.","start":2880.115,"end":2880.615,"sentiment":"neutral","sentiment_score":-0.04605933651328087},{"text":"Yep.","start":2880.915,"end":2881.415,"sentiment":"neutral","sentiment_score":-0.03464121371507645}],"sentiment":"neutral","sentiment_score":-0.04035027511417866,"channel":1,"num_words":2,"start":2880.115,"end":2881.415},{"sentences":[{"text":"we just continue to review and make sure that everything remains on track and is in line with your goals.","start":2881.31,"end":2887.81,"sentiment":"positive","sentiment_score":0.398914710059762}],"sentiment":"positive","sentiment_score":0.398914710059762,"channel":0,"num_words":20,"start":2881.31,"end":2887.81},{"sentences":[{"text":"Perfect.","start":2888.675,"end":2889.175,"sentiment":"positive","sentiment_score":0.6048027873039246}],"sentiment":"positive","sentiment_score":0.6048027873039246,"channel":1,"num_words":1,"start":2888.675,"end":2889.175},{"sentences":[{"text":"The next page is where you'll see links to the investment PDFs.","start":2891.3901,"end":2896.025,"sentiment":"neutral","sentiment_score":0.19886160517732301},{"text":"So they're your investment funds that we've recommended in hub twenty four.","start":2896.325,"end":2901.945,"sentiment":"neutral","sentiment_score":0.13321101727584997},{"text":"So they're links to them if you would like to have a read of those.","start":2902.005,"end":2905.545,"sentiment":"neutral","sentiment_score":0.13965683231751125},{"text":"The next","start":2906.7249,"end":2907.285,"sentiment":"neutral","sentiment_score":0.08554977923631668}],"sentiment":"neutral","sentiment_score":0.15245911006520435,"channel":0,"num_words":41,"start":2891.3901,"end":2907.285},{"sentences":[{"text":"Mhmm.","start":2907.125,"end":2907.625,"sentiment":"neutral","sentiment_score":0.07054077088832855}],"sentiment":"neutral","sentiment_score":0.07054077088832855,"channel":1,"num_words":1,"start":2907.125,"end":2907.625},{"sentences":[{"text":"document explains how we calculate our investment return methodology, showing you that, it's not, overinflated, let's say.","start":2907.285,"end":2921.78,"sentiment":"neutral","sentiment_score":0.0703311000868459}],"sentiment":"neutral","sentiment_score":0.0703311000868459,"channel":0,"num_words":17,"start":2907.285,"end":2921.78},{"sentences":[{"text":"Okay.","start":2922.1401,"end":2922.4602,"sentiment":"neutral","sentiment_score":0.12955570220947266},{"text":"Yep.","start":2922.4602,"end":2922.9602,"sentiment":"neutral","sentiment_score":0.1563490629196167}],"sentiment":"neutral","sentiment_score":0.14295238256454468,"channel":1,"num_words":2,"start":2922.1401,"end":2922.9602},{"sentences":[{"text":"And then the last page, two pages cover off on what life insurance through superannuation is, which I'm I'm pretty confident you're all over because you've had it that way for many, many years.","start":2924.385,"end":2937.4802,"sentiment":"neutral","sentiment_score":0.31045807635082917}],"sentiment":"neutral","sentiment_score":0.31045807635082917,"channel":0,"num_words":34,"start":2924.385,"end":2937.4802},{"sentences":[{"text":"Yes.","start":2938.075,"end":2938.575,"sentiment":"neutral","sentiment_score":0.11292999237775804}],"sentiment":"neutral","sentiment_score":0.11292999237775804,"channel":1,"num_words":1,"start":2938.075,"end":2938.575},{"sentences":[{"text":"The next lot of documents in the pack is oh gosh.","start":2940.5,"end":2947.7002,"sentiment":"neutral","sentiment_score":0.09057833254337311},{"text":"That's it.","start":2947.7002,"end":2948.4402,"sentiment":"neutral","sentiment_score":0.048695577308535576},{"text":"Because your financial services guide, we gave to you previously","start":2948.6602,"end":2953.195,"sentiment":"neutral","sentiment_score":0.062164876237511636}],"sentiment":"neutral","sentiment_score":0.0745826771725779,"channel":0,"num_words":23,"start":2940.5,"end":2953.195},{"sentences":[{"text":"Yep.","start":2954.2449,"end":2954.7449,"sentiment":"neutral","sentiment_score":0.07464130222797394}],"sentiment":"neutral","sentiment_score":0.07464130222797394,"channel":1,"num_words":1,"start":2954.2449,"end":2954.7449},{"sentences":[{"text":"in our review, and the product disclosure statements will make sure that we get in the the hub twenty four ones emailed out to you, although they haven't changed since the last time you received them also.","start":2955.3352,"end":2968.17,"sentiment":"neutral","sentiment_score":0.0894984819397733},{"text":"So","start":2968.3098,"end":2968.8098,"sentiment":"neutral","sentiment_score":0.02983885630965233}],"sentiment":"neutral","sentiment_score":0.08792849179161222,"channel":0,"num_words":38,"start":2955.3352,"end":2968.8098},{"sentences":[{"text":"Yeah.","start":2968.4849,"end":2968.92,"sentiment":"neutral","sentiment_score":0.03250592201948166}],"sentiment":"neutral","sentiment_score":0.03250592201948166,"channel":1,"num_words":1,"start":2968.4849,"end":2968.92},{"sentences":[{"text":"after all that heavy information, do you have any questions, Sharon?","start":2971.1099,"end":2975.3699,"sentiment":"neutral","sentiment_score":0.01798996159976179}],"sentiment":"neutral","sentiment_score":0.01798996159976179,"channel":0,"num_words":11,"start":2971.1099,"end":2975.3699},{"sentences":[{"text":"No.","start":2975.88,"end":2976.38,"sentiment":"neutral","sentiment_score":-0.12240809947252274},{"text":"None at all.","start":2976.5999,"end":2977.5798,"sentiment":"neutral","sentiment_score":-0.1305964837471644}],"sentiment":"neutral","sentiment_score":-0.128549387678504,"channel":1,"num_words":4,"start":2975.88,"end":2977.5798},{"sentences":[{"text":"No?","start":2978.15,"end":2978.65,"sentiment":"neutral","sentiment_score":-0.1417914628982544},{"text":"And you're feeling okay about it all?","start":2979.285,"end":2981.385,"sentiment":"neutral","sentiment_score":-0.08049184030720166}],"sentiment":"neutral","sentiment_score":-0.08815429313108325,"channel":0,"num_words":8,"start":2978.15,"end":2981.385},{"sentences":[{"text":"Yeah.","start":2981.64,"end":2981.96,"sentiment":"neutral","sentiment_score":0.09206970036029816},{"text":"Absolutely.","start":2981.96,"end":2982.46,"sentiment":"neutral","sentiment_score":0.2159172296524048}],"sentiment":"neutral","sentiment_score":0.15399346500635147,"channel":1,"num_words":2,"start":2981.64,"end":2982.46},{"sentences":[{"text":"Okay.","start":2983.605,"end":2984.085,"sentiment":"neutral","sentiment_score":0.2114190459251404},{"text":"Beautiful.","start":2984.085,"end":2984.585,"sentiment":"positive","sentiment_score":0.45509570837020874},{"text":"So what I would suggest is if you wanna have a read over those documents, if you have any questions, reach out to me, and only when you are comfortable, sign those.","start":2984.9648,"end":2994.505,"sentiment":"neutral","sentiment_score":0.15846768347546458},{"text":"We can","start":2994.93,"end":2995.3298,"sentiment":"neutral","sentiment_score":0.07482565194368362}],"sentiment":"neutral","sentiment_score":0.1635314424832662,"channel":0,"num_words":36,"start":2983.605,"end":2995.3298},{"sentences":[{"text":"Hello?","start":2995.275,"end":2995.59,"sentiment":"neutral","sentiment_score":0.0686364620923996}],"sentiment":"neutral","sentiment_score":0.0686364620923996,"channel":1,"num_words":1,"start":2995.275,"end":2995.59},{"sentences":[{"text":"then go through the implementation stage.","start":2995.3298,"end":2998.13,"sentiment":"neutral","sentiment_score":0.0681683582564195},{"text":"So the team will then reach out to you to go through what forms need to be signed and walk you through that process.","start":2998.13,"end":3005.43,"sentiment":"neutral","sentiment_score":0.12930989762147269}],"sentiment":"neutral","sentiment_score":0.11708158974846204,"channel":0,"num_words":30,"start":2995.3298,"end":3005.43},{"sentences":[{"text":"Okay.","start":3006.23,"end":3006.7102,"sentiment":"neutral","sentiment_score":0.25199538469314575},{"text":"Perfect.","start":3006.7102,"end":3007.2102,"sentiment":"positive","sentiment_score":0.41510748863220215}],"sentiment":"positive","sentiment_score":0.33355143666267395,"channel":1,"num_words":2,"start":3006.23,"end":3007.2102},{"sentences":[{"text":"Alright.","start":3008.21,"end":3008.71,"sentiment":"positive","sentiment_score":0.4473819434642792},{"text":"It was lovely speaking with you, Sharon.","start":3009.245,"end":3011.165,"sentiment":"positive","sentiment_score":0.7152337261608669},{"text":"And if and when reading those documents, if you do have any questions, please just give me a call, and we can run through them.","start":3011.165,"end":3017.345,"sentiment":"positive","sentiment_score":0.3865705180168152}],"sentiment":"positive","sentiment_score":0.45812972657608264,"channel":0,"num_words":33,"start":3008.21,"end":3017.345},{"sentences":[{"text":"Absolutely beautiful.","start":3017.605,"end":3018.665,"sentiment":"positive","sentiment_score":0.6141957640647888}],"sentiment":"positive","sentiment_score":0.6141957640647888,"channel":1,"num_words":2,"start":3017.605,"end":3018.665},{"sentences":[{"text":"Alright.","start":3020.205,"end":3020.705,"sentiment":"neutral","sentiment_score":0.17150306701660156},{"text":"Well,","start":3021.245,"end":3021.485,"sentiment":"neutral","sentiment_score":0.08728623390197754}],"sentiment":"neutral","sentiment_score":0.12939465045928955,"channel":0,"num_words":2,"start":3020.205,"end":3021.485},{"sentences":[{"text":"Alright.","start":3021.285,"end":3021.785,"sentiment":"neutral","sentiment_score":0.06760881841182709}],"sentiment":"neutral","sentiment_score":0.06760881841182709,"channel":1,"num_words":1,"start":3021.285,"end":3021.785},{"sentences":[{"text":"do you have the day off today?","start":3021.485,"end":3022.83,"sentiment":"neutral","sentiment_score":0.04211481926696641}],"sentiment":"neutral","sentiment_score":0.04211481926696641,"channel":0,"num_words":7,"start":3021.485,"end":3022.83},{"sentences":[{"text":"Yeah.","start":3023.62,"end":3023.86,"sentiment":"neutral","sentiment_score":0.01944894716143608},{"text":"These are my I'm off today and tomorrow, so I rough the days off.","start":3023.86,"end":3027.4,"sentiment":"neutral","sentiment_score":0.004136884651545968}],"sentiment":"neutral","sentiment_score":0.005157688818871975,"channel":1,"num_words":15,"start":3023.62,"end":3027.4},{"sentences":[{"text":"Yes.","start":3027.9502,"end":3028.4502,"sentiment":"neutral","sentiment_score":0.074148029088974},{"text":"Okay.","start":3028.75,"end":3029.25,"sentiment":"neutral","sentiment_score":0.07093806564807892},{"text":"And you're resting with your foot up?","start":3029.47,"end":3031.57,"sentiment":"neutral","sentiment_score":0.09674667354140963}],"sentiment":"neutral","sentiment_score":0.09136808994743559,"channel":0,"num_words":9,"start":3027.9502,"end":3031.57},{"sentences":[{"text":"So I did.","start":3031.54,"end":3032.26,"sentiment":"neutral","sentiment_score":0.10786443452040355},{"text":"I'm still in bed, actually.","start":3032.26,"end":3033.78,"sentiment":"neutral","sentiment_score":0.08170820996165276},{"text":"I took a pain killer last night, so it made me a bit zoned out today.","start":3033.78,"end":3037.685,"sentiment":"negative","sentiment_score":-0.38731011003255844}],"sentiment":"neutral","sentiment_score":-0.2277011419646442,"channel":1,"num_words":24,"start":3031.54,"end":3037.685},{"sentences":[{"text":"Oh, no.","start":3038.675,"end":3039.415,"sentiment":"neutral","sentiment_score":-0.2771892100572586},{"text":"You're not zoned out enough to understand all we went through, was","start":3039.555,"end":3042.675,"sentiment":"neutral","sentiment_score":-0.324481717000405}],"sentiment":"neutral","sentiment_score":-0.3177256445799555,"channel":0,"num_words":14,"start":3038.675,"end":3042.675},{"sentences":[{"text":"No.","start":3042.5452,"end":3042.945,"sentiment":"neutral","sentiment_score":-0.25342315435409546}],"sentiment":"neutral","sentiment_score":-0.25342315435409546,"channel":1,"num_words":1,"start":3042.5452,"end":3042.945},{"sentences":[{"text":"it?","start":3042.675,"end":3043.175,"sentiment":"neutral","sentiment_score":-0.199253112077713}],"sentiment":"neutral","sentiment_score":-0.199253112077713,"channel":0,"num_words":1,"start":3042.675,"end":3043.175},{"sentences":[{"text":"No.","start":3042.945,"end":3043.1052,"sentiment":"neutral","sentiment_score":-0.29093509912490845},{"text":"No.","start":3043.1052,"end":3043.2651,"sentiment":"neutral","sentiment_score":-0.30130159854888916},{"text":"No.","start":3043.2651,"end":3043.425,"sentiment":"neutral","sentiment_score":-0.3055691719055176},{"text":"No.","start":3043.425,"end":3043.5051,"sentiment":"neutral","sentiment_score":-0.3279810845851898},{"text":"No.","start":3043.5051,"end":3043.905,"sentiment":"negative","sentiment_score":-0.3797780871391296}],"sentiment":"neutral","sentiment_score":-0.3211130082607269,"channel":1,"num_words":5,"start":3042.945,"end":3043.905},{"sentences":[{"text":"I'm just lazy today.","start":3043.905,"end":3045.2852,"sentiment":"negative","sentiment_score":-0.450079120695591}],"sentiment":"negative","sentiment_score":-0.450079120695591,"channel":1,"num_words":4,"start":3043.905,"end":3045.2852},{"sentences":[{"text":"I understand that.","start":3046.355,"end":3047.4749,"sentiment":"neutral","sentiment_score":-0.043858165542284645},{"text":"I understand that.","start":3047.4749,"end":3048.275,"sentiment":"neutral","sentiment_score":0.07869826878110568},{"text":"We'll take it so take some time to have a read of the document.","start":3048.275,"end":3050.9949,"sentiment":"neutral","sentiment_score":0.07591785463903632},{"text":"And, again, any questions, just reach out to me.","start":3050.9949,"end":3054.51,"sentiment":"neutral","sentiment_score":0.10485057284434636}],"sentiment":"neutral","sentiment_score":0.07279398035386513,"channel":0,"num_words":29,"start":3046.355,"end":3054.51},{"sentences":[{"text":"Beautiful.","start":3055.12,"end":3055.52,"sentiment":"positive","sentiment_score":0.7366647124290466},{"text":"Thank you so much for doing that.","start":3055.52,"end":3056.96,"sentiment":"positive","sentiment_score":0.8480714048658099},{"text":"It's greatly appreciated.","start":3056.96,"end":3058.02,"sentiment":"positive","sentiment_score":0.8554795980453491}],"sentiment":"positive","sentiment_score":0.8399639400568876,"channel":1,"num_words":11,"start":3055.12,"end":3058.02},{"sentences":[{"text":"Oh, absolutely my pet pleasure, Sharon.","start":3059.23,"end":3061.31,"sentiment":"positive","sentiment_score":0.8069779276847839},{"text":"Thank you so much, and I look forward to speaking to you again soon.","start":3061.31,"end":3064.859,"sentiment":"positive","sentiment_score":0.8358290280614581}],"sentiment":"positive","sentiment_score":0.8271736979484559,"channel":0,"num_words":20,"start":3059.23,"end":3064.859},{"sentences":[{"text":"Yes.","start":3065.055,"end":3065.375,"sentiment":"positive","sentiment_score":0.44956672191619873},{"text":"Me too.","start":3065.375,"end":3066.1948,"sentiment":"positive","sentiment_score":0.5226755291223526}],"sentiment":"positive","sentiment_score":0.49830592672030133,"channel":1,"num_words":3,"start":3065.055,"end":3066.1948},{"sentences":[{"text":"Beautiful.","start":3066.8389,"end":3067.3389,"sentiment":"positive","sentiment_score":0.7401344776153564},{"text":"Thanks, Sharon.","start":3067.479,"end":3068.279,"sentiment":"positive","sentiment_score":0.7528940141201019},{"text":"Enjoy your","start":3068.279,"end":3068.759,"sentiment":"positive","sentiment_score":0.7824558615684509}],"sentiment":"positive","sentiment_score":0.7621668457984925,"channel":0,"num_words":5,"start":3066.8389,"end":3068.759},{"sentences":[{"text":"Thanks.","start":3068.6548,"end":3069.1548,"sentiment":"positive","sentiment_score":0.7035757303237915}],"sentiment":"positive","sentiment_score":0.7035757303237915,"channel":1,"num_words":1,"start":3068.6548,"end":3069.1548},{"sentences":[{"text":"day.","start":3068.759,"end":3069.259,"sentiment":"positive","sentiment_score":0.5278029441833496}],"sentiment":"positive","sentiment_score":0.5278029441833496,"channel":0,"num_words":1,"start":3068.759,"end":3069.259},{"sentences":[{"text":"You too.","start":3069.375,"end":3069.855,"sentiment":"positive","sentiment_score":0.44685134291648865},{"text":"Thanks, Jenna.","start":3069.855,"end":3070.4949,"sentiment":"positive","sentiment_score":0.5817947089672089},{"text":"Bye bye.","start":3070.4949,"end":3071.2349,"sentiment":"neutral","sentiment_score":0.26413196325302124}],"sentiment":"positive","sentiment_score":0.43092600504557294,"channel":1,"num_words":6,"start":3069.375,"end":3071.2349},{"sentences":[{"text":"Bye.","start":3071.239,"end":3071.739,"sentiment":"neutral","sentiment_score":0.18825456500053409},{"text":"Bye.","start":3071.7988,"end":3072.2988,"sentiment":"neutral","sentiment_score":0.15793202817440033}],"sentiment":"neutral","sentiment_score":0.1730932965874672,"channel":0,"num_words":2,"start":3071.239,"end":3072.2988},{"sentences":[{"text":"Bye.","start":3072.4148,"end":3072.9148,"sentiment":"neutral","sentiment_score":-0.11115174740552902}],"sentiment":"neutral","sentiment_score":-0.11115174740552902,"channel":1,"num_words":1,"start":3072.4148,"end":3072.9148}]},"summary":{"result":"success","short":"Representatives from Oakview Financial provide advice and guidance to customers on reviewing and approving financial documents. They emphasize the importance of managing risk and balancing growth risks for a longer retirement time frame. The speakers also provide advice on risk tolerance, retirement savings, and portfolios, emphasizing the importance of nominating beneficiaries and completing will and power of attorney. The process is explained in detail and resources for legal personal representatives are provided."},"intents":{"segments":[{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah.","start_word":24,"end_word":50,"intents":[{"intent":"Request callback","confidence_score":0.0004673608}]},{"text":"And, Sharon, can I please ask you to confirm your full name, date of birth, and address?","start_word":55,"end_word":71,"intents":[{"intent":"Request details","confidence_score":0.007309299},{"intent":"Confirm identity","confidence_score":0.12679198}]},{"text":"The second page is explains what this document is and that it's valid for sixty days. The reason why we have a time frame on how long the document is valid for is to make sure that if it goes outside of that time frame, sometimes people's situations can change quite quickly and that we just need to review any information before the advice is proceeded with again.","start_word":567,"end_word":634,"intents":[{"intent":"Recommend document review","confidence_score":0.0008440386}]},{"text":"So the review of your superannuation is to look at q super hub 24, ensure super superannuation balances are combined as much as possible without impacting or you losing your existing insurance within q super, Yep.","start_word":777,"end_word":812,"intents":[{"intent":"Analyze debt","confidence_score":0.002677909}]},{"text":"So you can hopefully retire at age 65, which is your your actual Mhmm. goal.","start_word":1034,"end_word":1048,"intents":[{"intent":"Retire at 65","confidence_score":0.11764282}]},{"text":"So you can hopefully retire at age 65, which is your your actual Mhmm. goal. Does that sound correct?","start_word":1034,"end_word":1052,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.043805223}]},{"text":"Let's look at the debt repayment, get that done to save you some interest, Yep.","start_word":1100,"end_word":1114,"intents":[{"intent":"Save interest","confidence_score":0.55695736}]},{"text":"tax advice in relation to financial planning, Mhmm. but I'm not a tax a a tax agent. Yes.","start_word":1273,"end_word":1290,"intents":[{"intent":"Provide tax advice","confidence_score":0.58001536}]},{"text":"The next couple of pages is the about you section. So this is the information we confirmed in our recent review Mhmm. And then your lifestyle and assets, your current super, so it's spread across hub twenty four and q super, and your current policies within q super.","start_word":1291,"end_word":1338,"intents":[{"intent":"Reveal current policies","confidence_score":0.000020278145}]},{"text":"And then your lifestyle and assets, your current super, so it's spread across hub twenty four and q super, and your current policies within q super.","start_word":1313,"end_word":1338,"intents":[{"intent":"Review lifestyle and assets","confidence_score":0.010124211}]},{"text":"Grow a growth risk profile.","start_word":1386,"end_word":1390,"intents":[{"intent":"Get a chance to grow","confidence_score":0.000003875628}]},{"text":"So in our our previous conversation, you prob there was obviously a lot going on for you, and you were not able to answer some of the questions. So I just wanna make sure that you understand a growth risk profile and that you are 100% comfortable with it.","start_word":1392,"end_word":1440,"intents":[{"intent":"Understand and understand growth risk profile","confidence_score":0.0355237},{"intent":"Understand and understand growth risk profile","confidence_score":0.1459562},{"intent":"Ensure understanding and understanding of the risk profile","confidence_score":0.000008626925}]},{"text":"So I just wanna make sure that you understand a growth risk profile and that you are 100% comfortable with it.","start_word":1419,"end_word":1439,"intents":[{"intent":"Confirm understanding of risk profile and portfolio","confidence_score":0.00029160836}]},{"text":"So when I speak to clients, my my advice is it needs to pass the sleep at night test.","start_word":2118,"end_word":2136,"intents":[{"intent":"Pass sleep at night test","confidence_score":0.87169325}]},{"text":"Can you sit through that and be confident that you have time on your side, or does that give you a little bit pause for concern?","start_word":2172,"end_word":2197,"intents":[{"intent":"Have time to think","confidence_score":0.009851176}]},{"text":"What I also can do is just complete that risk profile again and give you my recommendation if you like. Yeah.","start_word":2247,"end_word":2267,"intents":[{"intent":"Complete risk profile","confidence_score":0.9239854}]},{"text":"what is the most aggressive investment you've ever made? Direct shares, managed funds, investment property, own home, or a bank account?","start_word":2341,"end_word":2361,"intents":[{"intent":"Have investment","confidence_score":0.0010441609}]},{"text":"So I've actually put my personal money into. Yeah.","start_word":2362,"end_word":2370,"intents":[{"intent":"Have personal money","confidence_score":0.011036953}]},{"text":"Once your investments have been placed, so this is we're referring to your superannuation now, how long would it be before you need to access the capital?","start_word":2414,"end_word":2440,"intents":[{"intent":"Access capital","confidence_score":0.48717898}]},{"text":"And the next question is, in months' time, how would you feel if you found out your portfolio decreased by 20% due to trends in the financial market?","start_word":2532,"end_word":2559,"intents":[{"intent":"Analyze portfolio value","confidence_score":0.010181203}]},{"text":"And the last one is, have you ever thought about taking out a loan to invest to borrow for shares or an investment property or only for your principal place of residence? I have for investment Yep.","start_word":2896,"end_word":2932,"intents":[{"intent":"Analyze investment options","confidence_score":0.0059744986}]},{"text":"I just needed to make sure because I I don't want to recommend something that you're not fully aware of or comfortable with? No. Yeah.","start_word":3160,"end_word":3184,"intents":[{"intent":"Recommend avoiding recommendations","confidence_score":0.0049590445}]},{"text":"The hub 24 the reason I did consider maintaining q super and having all your funds in q super, the reason that I did not do that is because I did not recommend that.","start_word":3546,"end_word":3579,"intents":[{"intent":"Keep funds in q super","confidence_score":0.0011022431}]},{"text":"The hub 24 the reason I did consider maintaining q super and having all your funds in q super, the reason that I did not do that is because I did not recommend that. It's because industry funds are fantastic when building wealth. As we get closer to retirement, they invest in assets called unlisted assets. Mhmm.","start_word":3546,"end_word":3602,"intents":[{"intent":"Recommend unlisted assets","confidence_score":0.0032365154}]},{"text":"The the fees will increase a little bit, your administration fees, simply Mhmm.","start_word":3849,"end_word":3861,"intents":[{"intent":"Understand fees and benefits","confidence_score":0.00015002403}]},{"text":"So we're not gonna some may calculate these saying, oh, this is based on a 20% return. They're definitely not.","start_word":4263,"end_word":4282,"intents":[{"intent":"Calculate returns","confidence_score":0.11231923}]},{"text":"The next page just shows you the annualized investment returns as of the August 31, and it's just comparing between the two. So you'll see over the long term, Hub does perform better. Well, the portfolio that we've created in Hub does perform better than q super Yes.","start_word":4293,"end_word":4340,"intents":[{"intent":"Compare portfolio performance","confidence_score":0.18258505}]},{"text":"So you'll see that there's a negative figure of 76 odd thousand dollars with a remaining Yes.","start_word":4376,"end_word":4392,"intents":[{"intent":"Eliminate negative figure","confidence_score":0.002467726}]},{"text":"That's the one that we're gonna sell out of that was underperforming.","start_word":4444,"end_word":4455,"intents":[{"intent":"Sell out investment portfolio","confidence_score":0.004163399}]},{"text":"That's the one that we're gonna sell out of that was underperforming. Yep.","start_word":4444,"end_word":4456,"intents":[{"intent":"Avoid overperforming investment","confidence_score":0.000033454202}]},{"text":"you'll see that so that beta shares 200 is actually what we're replacing the Benelong one with. Yep.","start_word":4532,"end_word":4549,"intents":[{"intent":"Update portfolio details","confidence_score":0.00026169824}]},{"text":"Generally, the next page is the general insurance advice. So this is where I I looked into q super a little bit. It Yeah.","start_word":4956,"end_word":4979,"intents":[{"intent":"Assist with q super retirement","confidence_score":0.0004699904}]},{"text":"wanted to until you got the will done, you could put your kids. Once you got the will done, if your kids were the beneficiary of your will, you we can change that to then being your estate.","start_word":5554,"end_word":5591,"intents":[{"intent":"Change beneficiary status","confidence_score":0.1356437}]},{"text":"Well, we'll make sure those forms are included in the pack Mhmm. for you.","start_word":5661,"end_word":5674,"intents":[{"intent":"Provide forms","confidence_score":0.31273904}]},{"text":"So as you need advice or if all things change, you just reach out, and we're that's what we're here for to provide advice. Beautiful. Thank you.","start_word":5750,"end_word":5776,"intents":[{"intent":"Provide advice","confidence_score":0.37008286}]},{"text":"The important information is it just outlines the next steps, your reviews. So participate in your reviews because, you know, like we did this year, we got a lot we're we're ticking a lot of boxes off. Product disclosure statements, which I'll talk to in a second, our privacy policy. So they're the all the important little bits of documentation that you need to be able to refer to. Yep.","start_word":5777,"end_word":5846,"intents":[{"intent":"Participate in reviews","confidence_score":0.097619854}]},{"text":"The next page is the authority to proceed. So that just gives you a very high level overview Yep. of what all those things are that we just spoke about and what page number you can refer to it. Perfect.","start_word":5906,"end_word":5945,"intents":[{"intent":"Provide overview","confidence_score":0.10513362}]},{"text":"the steps to implement our advice Okay. that Beautiful.","start_word":5972,"end_word":5980,"intents":[{"intent":"Implement advice","confidence_score":0.5024702}]},{"text":"you don't wanna proceed with any of our advice, so let's say, for example, you decided I I don't want to roll over my q supra. I wanna leave it where it is and just see how things go.","start_word":6004,"end_word":6042,"intents":[{"intent":"Leave section","confidence_score":0.034403887}]},{"text":"Any questions about the advice document? Perfect.","start_word":6092,"end_word":6098,"intents":[{"intent":"Answer questions","confidence_score":0.13922006},{"intent":"Provide advice document","confidence_score":0.1392569}]},{"text":"The third page is a breakdown of risk profiles. So So you've got your gross sitting in the mid middle there. And, again, that just shows you where we allocate most of your funds. So, again, 80% to gross, 20% to defensive, and then breaks it down where we would typically invest across the different sectors. Okay.","start_word":6134,"end_word":6190,"intents":[{"intent":"Discuss investment portfolios","confidence_score":0.00024127342}]},{"text":"So the content of the SOA is just based on the information you've given me. Mhmm.","start_word":6196,"end_word":6211,"intents":[{"intent":"Provide information","confidence_score":0.04403858}]},{"text":"we just continue to review and make sure that everything remains on track and is in line with your goals. Perfect.","start_word":6253,"end_word":6273,"intents":[{"intent":"Consult document review","confidence_score":0.00011650168}]}]},"sentiments":{"segments":[{"text":"Hello. Sharon speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05870987102389336},{"text":"Good morning, Sharon. It's Jenna here from Oakview Financial.","start_word":3,"end_word":11,"sentiment":"positive","sentiment_score":0.3591000735759735},{"text":"How are you?","start_word":12,"end_word":14,"sentiment":"neutral","sentiment_score":0.2807580828666687},{"text":"I'm well.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.3855494260787964},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.2955000698566437},{"text":"I'm good. Thank you.","start_word":20,"end_word":23,"sentiment":"positive","sentiment_score":0.5746057033538818},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. That's fine.","start_word":24,"end_word":52,"sentiment":"neutral","sentiment_score":0.08897958695888519},{"text":"Thank you.","start_word":53,"end_word":54,"sentiment":"positive","sentiment_score":0.47954219579696655},{"text":"And, Sharon, can I please ask you to confirm your full name, date of birth, and address? At Sherry Anne Russat, twenty five nine sixty nine, and it's 220735 Burdette Street, Albion.","start_word":55,"end_word":86,"sentiment":"neutral","sentiment_score":0.05777566507458687},{"text":"Thank you for confirming that.","start_word":87,"end_word":91,"sentiment":"positive","sentiment_score":0.43696480989456177},{"text":"How are you doing today? Yeah. Not too Yeah. How did the return to work go? bad. I'm only back two days a week. I'm sorry. Two days on, two days off. Yes. And did Yep. you manage that okay and the specialist happy with it? Well, he's said I should be off for, like, you know, another two weeks, but I pushed to go back so I needed the money. Yes. Yep. So I just have to, you know, because ankles twirls at the end of every shift that, you know, you gotta do what you gotta do. Yeah. And better better you do you manage to get the swelling down and and get it comfortable again once you get home? Yeah. Once you get hard, like, COVID died, it probably goes down. I need to do it again the next day, but that's fine. Yeah. But are are you managing it okay? Yeah. Yeah. Okay. Well, that that's good to hear because I know our last couple of conversations has been very take toll taking on you because of Yeah. everything that you've been going through. So I just wanted to check and make sure that you're doing okay now. Yeah. Thank you. Yeah. You are you feeling a bit better? I am. Yes. Oh, good. I'm so Mhmm.","start_word":92,"end_word":312,"sentiment":"neutral","sentiment_score":-0.00892866961658001},{"text":"I'm so pleased to hear that. Thank you.","start_word":313,"end_word":320,"sentiment":"positive","sentiment_score":0.636942982673645},{"text":"Okay. Well, the purpose of my call today was just to have a quick chat and a check-in to go through a document that I sent you a little earlier. I don't know if you've seen that pop up on your email, but it's a statement of advice. So it's just it's to go through those changes that we talked about on the phone in our last meetings, particularly Uh-huh. your in your review. Do you have some time to go through that now? I do. I'm just trying to pick up that document. It woulda. It may come from Jenna Wheeler or Odoo sign. Let's have a look in here. Oh. Oh, yep. That I've got a sign. Yep. Okay. I've just got that. Yep. Yeah. Okay. So same process as before. You're not signing anything right now. We're just gonna talk through it. So if you open that up, we I will talk through the lovely document that is in front of you. So have Mhmm. you got that opened? I'm just going to try now. You just let me know when you've got that opened and when Yes. you're I've got open. Yep. ready.","start_word":321,"end_word":517,"sentiment":"neutral","sentiment_score":0.054526189483966925},{"text":"Beautiful. Thank you.","start_word":518,"end_word":520,"sentiment":"positive","sentiment_score":0.6853880882263184},{"text":"So the first page would be a stay it's a cover page saying it's your statement of advice.","start_word":521,"end_word":538,"sentiment":"neutral","sentiment_score":0.11558686941862106},{"text":"Perfect.","start_word":539,"end_word":539,"sentiment":"positive","sentiment_score":0.4890819191932678},{"text":"Yes. It explains that I'm the one providing advice to you, what my authorized representative number is, and who I work for, which is Oakview Financial. Mhmm. The second page is explains what this document is and that it's valid for sixty days. The reason why we have a time frame on how long the document is valid for is to make sure that if it goes outside of that time frame, sometimes people's situations can change quite quickly and that we just need to review any information before the advice is proceeded with again. So, typically, we just follow the same process all over Yes. again. The it outlines here also our best interest duty. So this is to make sure that it's a legislative standard to make sure that we act in our client's best best interests at all times so we identify your financial situations and needs for the individual to you. Mhmm. Any advice is specific again to you based on your individual circumstances, and then assess and consider whether any advice is provide is required in relation to strategy or product. I called. And it all has to be in your best interest. Yes. The next page is a table of contents, and then the following page is our scope of advice. So this is what so scope of advice is considered is what I'm gonna talk to in this document. Yep. So the review of your superannuation is to look at q super hub 24, ensure super superannuation balances are combined as much as possible without impacting or you losing your existing insurance within q super, Yep. and a recommendation that you establish a will and power of attorney attorney. Attorney. Sorry. Oh, gosh. And review any beneficiary nominations in super. So that one's specifically for q super because we noted that you didn't have any in q super. Yes. The next page is your scope of advice limited scope. So we did talk about you wanting to review whether you can amend the waiting period on your existing default q super insurance for your income. So I've Uh-huh. had a little bit of a look into that and provided some general information in this document for you as well. And then the following page is scope of advice not considered. So this is the repayment of the debt. What we talked about in our last review is that we would revisit this in September 2027 once the Yes. lease is con the lease concludes on your car. Yes. It's gonna free up some cash flow for Mhmm. you, but also noting you'll have to get a loan to fund the balloon payment. So Yes. at that point in time, we talked about looking at our repayment an accelerated repayment plan basically with the surplus cash flow to get you ahead of that debt so you can retire debt free and then look at building your superannuation.","start_word":540,"end_word":1032,"sentiment":"neutral","sentiment_score":0.0860009622924468},{"text":"So you can hopefully retire at age 65, which is your your actual Mhmm.","start_word":1033,"end_word":1046,"sentiment":"positive","sentiment_score":0.4325346052646637},{"text":"goal. Does that sound correct? Do I have all Yes. that right? Yes. Uh-huh.","start_word":1047,"end_word":1060,"sentiment":"neutral","sentiment_score":0.1687222123146057},{"text":"Fantastic.","start_word":1061,"end_word":1061,"sentiment":"positive","sentiment_score":0.747856616973877},{"text":"Because I do know in our last conversation, you said 65 was your retirement goal, but you thought that you may have to work till 75. Yes.","start_word":1062,"end_word":1088,"sentiment":"neutral","sentiment_score":0.2446298599243164},{"text":"Part of my role is to get you to next year.","start_word":1089,"end_word":1099,"sentiment":"positive","sentiment_score":0.35276171565055847},{"text":"Let's look at the debt repayment, get that done to save you some interest, Yep. and then look at your retirement. But there is some there is a document, I believe, a table later in here that can give you a look at what retirement looks like even now based on your current super. So we can Mhmm.","start_word":1100,"end_word":1157,"sentiment":"neutral","sentiment_score":0.2586408853530884},{"text":"go through that, and it can give you a bit of an idea that you are on track.","start_word":1158,"end_word":1175,"sentiment":"positive","sentiment_score":0.44502267241477966},{"text":"There are probably just a few little things we need to do once we've got that debt under control. Yep.","start_word":1176,"end_word":1195,"sentiment":"neutral","sentiment_score":0.17593389749526978},{"text":"Perfect.","start_word":1196,"end_word":1196,"sentiment":"positive","sentiment_score":0.5189809203147888},{"text":"Okay? Yep. The next page is a limit advice. This is just a general warning saying that if any information has been disclosed to us incorrectly or is wrong, it could affect the the advice. Letting you know that I'm not a lawyer, so I can't draft wills or Yep. provide specific advice in that regard. I can only say you should definitely do it. And that I am avail I am able to provide Yes. tax advice in relation to financial planning, Mhmm. but I'm not a tax a a tax agent. Yes. The next couple of pages is the about you section. So this is the information we confirmed in our recent review Mhmm. And then your lifestyle and assets, your current super, so it's spread across hub twenty four and q super, and your current policies within q super. The following page is your risk profile. So I just wanted to touch on this quickly because I do know and I recall from our previous conversations, I just wanna make sure that you are absolutely comfortable with it because there was a lot going on. Yes. Grow a growth risk profile. So in our our previous conversation, you prob there was obviously a lot going on for you, and you were not able to answer some of the questions. So I just wanna make sure that you understand a growth risk profile and that you are 100% comfortable with it. So At I'm how just gonna you? spend a minute or two explaining a grow a growth risk profile to you. Yep. So what a gross risk profile is is that, typically, you would see about 80% of your assets allocated to growth, which is international and Australian shares and some property exposure. So some listed property with the remaining estimated 20% allocated to items like fixed interest and cash. So they're more the income producing parts of your of your balance, whereas the growth is the part that experiences the most volatility. So No. if you recall, I we went through a Vanguard, that lovely chart that shows Yes. the ups and downs of the market. So Yes. those extremely volatile ones are is where 80% of your funds sit. Mhmm. What we say is that for a gross risk profile, you should be invested in that type of profile for a minimum of six years, what Mhmm. that does is it allows you to statistically withstand the market fluctuations and variations that we see. And Yes.","start_word":1197,"end_word":1617,"sentiment":"neutral","sentiment_score":-0.016640158898845278},{"text":"then the likelihood of having a negative return in a gross portfolio is approximately one in every five years due to that volatility.","start_word":1618,"end_word":1640,"sentiment":"negative","sentiment_score":-0.5406970977783203},{"text":"Mhmm. So I think what I just wanna confirm is that you are you are comfortable with that. Do you understand? Do you have any questions?","start_word":1641,"end_word":1666,"sentiment":"neutral","sentiment_score":0.019478099420666695},{"text":"Provide further anxiety or worry.","start_word":1667,"end_word":1671,"sentiment":"negative","sentiment_score":-0.4351767301559448},{"text":"Yeah. I guess everything's a risk really, isn't it, whether it goes into that or something else? Yeah. So the the alternative I'll give you the alternative is is a balanced growth. So that's the one below it. Mhmm. And, typically, it would be a seventy thirty split. So that would be 70% growth, 30% defensive.","start_word":1672,"end_word":1727,"sentiment":"neutral","sentiment_score":-0.1364418864250183},{"text":"This one is more a a minimum of a five year time frame investment with a likelihood of a negative return in one in every six years.","start_word":1728,"end_word":1754,"sentiment":"negative","sentiment_score":-0.36606478691101074},{"text":"The variance of expected volatility is plus or minus 8%, whereas the variance for a growth for volatility is plus or minus 11%. So there is a bit of a gap there. There's about a 3% gap, Mhmm. and you've got a 10 less exposure to growth assets and a 10% more exposure to defensive assets. So what yeah.","start_word":1755,"end_word":1813,"sentiment":"neutral","sentiment_score":-0.1654665172100067},{"text":"I just need to confirm that you're happy with the growth or that you wanna look at taking a little bit less risk. Your time frame for retirement sits with easily within both of those. It's just what you're comfortable with.","start_word":1814,"end_word":1854,"sentiment":"positive","sentiment_score":0.4917628467082978},{"text":"Yeah. Hard, isn't it? So what let me see. Going to see if my computer wants to participate with me today. I am looking. That's Sorry. One second, Sharon. It won't be a moment. Oh, it's your birthday soon. okay. Oh, no. Yeah. Not till next week, is it? Or the week after. Yes. Yeah. Next week, it Next looks week. Yeah. like. So you'll be turning 57. So if you retire at 65, that's eight years away. Yeah. So that's probably something to consider when thinking about comfort levels with the gross being a time frame of a minimum of six years and a balance gross being a minimum of five years. And Mhmm. the question, I think, probably that you need to ask yourself would be, do you are you comfortable with a six year or five year allocation to some growth assets to review after that time or as, you know, a retirement approaches. And because what happens is is as we as clients approach retirement, we do look at limiting and minimizing not minimizing. We do reduce exposure to growth assets and allocate some more to income because what happens in retirement is that we need income producing assets to produce that income for you without selling our growth assets that keeps Yes. your portfolio growing. Yes. So there's strategies as retirement approaches that we look at to make sure that you're invested correctly and in line with your time frame and and and more more importantly, your goals. Yes.","start_word":1855,"end_word":2108,"sentiment":"neutral","sentiment_score":0.04638921096920967},{"text":"So it's it's really a comfort a comfort thing. So when I speak to clients, my my advice is it needs to pass the sleep at night test.","start_word":2109,"end_word":2136,"sentiment":"positive","sentiment_score":0.5179417133331299},{"text":"If it continued to be invested as it is, are you confident and comfortable with that? Are you so at the moment, the market's going through a little bit of an up and down. Yes. Can you sit through that and be confident that you have time on your side, or does that give you a little bit pause for concern? I still have a cost concern there, maybe. Yeah. Yeah. That We can come back to it if you want some time to think about it. I'll go through the rest of the document. Okay. Yeah. And because it's a lot to it's a lot to to think about. What I also can do is just complete that risk profile again and give you my recommendation if you like. Yeah. Maybe. Yeah. Yeah? Okay. Yeah. Let's go through that risk profile for you, Sharon. It won't be a second. I'm just gonna jump in and open that up. Yep. So these the questions that we we talked through last time. And so you probably will have a a it will it you will probably recall them. There's about seven questions. No right or wrong answer, just what your your answer is. So Mhmm. what is the most aggressive investment you've ever made? Direct shares, managed funds, investment property, own home, or a bank account? So I've actually put my personal money into. Yeah. Anything that you've invested into. Nothing really, to be honest. So a bank account, would that be Oh, yeah. Well, yeah. Because yeah. That might yep. Okay. Oh, make sure I'm on the right sheet there. be yeah. Filling in the right section. Once your investments have been placed, so this is we're referring to your superannuation now, how long would it be before you need to access the capital? Longer than ten years, between seven to nine, between '4 to six, or between '2 to three, or less than two? Probably '79. Yep.","start_word":2137,"end_word":2464,"sentiment":"neutral","sentiment_score":0.016286969224627062},{"text":"Fantastic.","start_word":2465,"end_word":2465,"sentiment":"positive","sentiment_score":0.6613560914993286},{"text":"So the next question is inflation means things are getting more expensive over time, making our money worth less. How Mhmm. much risk are you willing to take to keep up with rising prices? Would you be willing to accept a very high risk, willing to accept high risk, a moderate risk, a small amount of risk, or none? I'm probably moderate. Moderate? Okay. Yeah.","start_word":2466,"end_word":2530,"sentiment":"neutral","sentiment_score":-0.10318279266357422},{"text":"Beautiful.","start_word":2531,"end_word":2531,"sentiment":"positive","sentiment_score":0.4831957519054413},{"text":"And the next question is, in months' time, how would you feel if you found out your portfolio decreased by 20% due to trends in the financial market? So if you think of that Vanguard chart, would you, number one, invest heavily for growth, invest modestly for growth, hold and weight improvement, shift your assets to defensive ones to minimize losses, or would you convert to cash? I don't know the answer to that one. Yeah. So if your I don't portfolio know. decreased 20% today, what would you do? Yeah. Red. Sorry? Yes. Stress. Yeah. Yeah. I think we all probably would. But would would you would you ring me and say, what would we do? What should I do? Or would you ring and say, I wanna move or I wanna sell all my growth assets and put it in defensive assets or put it all in cash? What do you think you would do? Probably ring you and ask you your advice what we should do. Yes. Okay. My advice would be hold Yes. because the reason being is that we don't wanna sell our growth assets at a loss. Yes. Does that make sense? Exasius. Okay. The next question is what kind of return do you expect to get from your investments over the long term? 8% above, six to 8%, four to six, or two to 4%. It's there's no right or wrong answer. It's just what you would like. The highest. Yep. That's fine. Then so the next question is, have your investments, including your superannuation ever dropped in value? And if yes, how did it make you feel? Optimistic about the future investments, cautious with no further investments planned, concerned, highly anxious and seeking advice, or seeking to maintain losses. Was it concerned? Taking advice? Was that right? Would you say? So that yes. So that's two separate ones. So it's concerned or highly anxious and seeking advice. Oh, So you could be concerned and seeking advice, or would you be highly anxious and seeking advice? no. I'd just be concerned. Yep. Okay. I mean, I'm not And in the case. They're long yeah. yeah. That's okay. And the last one is, have you ever thought about taking out a loan to invest to borrow for shares or an investment property or only for your principal place of residence? I have for investment Yep. property. Yep. Okay.","start_word":2532,"end_word":2935,"sentiment":"neutral","sentiment_score":-0.07184576123288952},{"text":"Fantastic.","start_word":2936,"end_word":2936,"sentiment":"positive","sentiment_score":0.5031940937042236},{"text":"Alright. So you came out as a moderate investor. So that is the one below growth, Mhmm. which is Mhmm. the 70 to 30% allocation. My advice Yes. as an adviser is to maintain your current risk profile being a growth. It is a difference of a 10% allocation to growth assets. So instead of 70%, it would be Mhmm. 80%. Yep. You do have the time on your side Yeah. to withstand the market fluctuations. And the and the benefit is is that at our regular reviews, we revisit this conversation every single time. So it's not Yes. something that we're gonna set and forget. You have been in a gross portfolio for quite some time. Your q super is also invest in a gross portfolio, probably Mhmm. a little bit higher than the the hub twenty four one. So I Mhmm. think your your my opinion is that you'll adapt to fluctuation, market fluctuation, that having somebody to talk these things through is extremely beneficial for you. Absolutely. Yes. So my recommendation is to maintain a growth portfolio solely because it's gonna give you that opportunity to continue growing your retirement savings Yep. whilst taking a slightly higher approach to growth assets compared to a moderate profile of 10%. Yes. That's fine. Are you comfortable with Yes. Yes. that? Okay. Alright.","start_word":2937,"end_word":3159,"sentiment":"neutral","sentiment_score":0.1026380111551071},{"text":"I just needed to make sure because I I don't want to recommend something that you're not fully aware of or comfortable with? No.","start_word":3160,"end_word":3183,"sentiment":"negative","sentiment_score":-0.35360822081565857},{"text":"Yeah. No. I'm so glad that you say that. Yeah. No. I'm happy with that. That's fine. Okay.","start_word":3184,"end_word":3201,"sentiment":"neutral","sentiment_score":0.05839577317237854},{"text":"Alright. That's fantastic. Good. Good.","start_word":3202,"end_word":3206,"sentiment":"positive","sentiment_score":0.653084933757782},{"text":"And we'll revisit this conversation every year Yep. anyhow.","start_word":3207,"end_word":3215,"sentiment":"neutral","sentiment_score":0.2060605436563492},{"text":"Perfect.","start_word":3216,"end_word":3216,"sentiment":"positive","sentiment_score":0.4397302865982056},{"text":"The next dot pages are the strategy recommendations. So this is where I'm looking at your superannuation. So I Mhmm. have recommended that you retain Hub and q super. What we're gonna do is roll over the majority of your q super, leaving Yes. a $10,000 balance so your insurances remain in force Yep. and the difference being rolled to hub twenty four and invested in hub twenty four. Mhmm. Leaving the 10,000 means that you keep your superannuation. You also Yes. have your super guarantee contributions going into q super, which there's two folds of protection there to ensure that your insurances don't lapse for any reason. But I wanna Mhmm. put in place an extra step to Yep. complete an opt in form with q super. So if if, for example, your balance falls below $10,000 because the market drops, for example, or your super guarantee hasn't been paid there for sixteen months, this opt Yep. in form protects your insurance from ever being canceled. So I just wanna go I that see. one step extra and make sure that form's signed so Oh, that beautiful. it can Thank never you. be canceled. Yep. So the the re the then we go into the best interest duty. So this explains why I've made those recommendations, Yep. which is maintaining Yep. the q super so your insurance remains in place. The I've also recommended that every year at our reviews, we will do a rollover from q super to hub 24, and it Yep. won't be in this document this size of document every year. It'll be in something called a record of advice because I'm covering it off in this document. So we can just do it every year for you without having to go through this large document. Yep.","start_word":3217,"end_word":3518,"sentiment":"neutral","sentiment_score":0.07235535325494823},{"text":"So Perfect.","start_word":3519,"end_word":3520,"sentiment":"positive","sentiment_score":0.4466747045516968},{"text":"we won't get to the situation where it is missed like it had been last year Yep. because we Yep. don't want that to happen. The hub 24 the reason I did consider maintaining q super and having all your funds in q super, the reason that I did not do that is because I did not recommend that. It's because industry funds are fantastic when building wealth. As we get closer to retirement, they invest in assets called unlisted assets. Mhmm. So that could be so things that aren't listed on the ASX, for example. Yep. And what that what can be a result of that is if you recall the GFC, one of the most popular ones was impacted impacted the property market so heavily. Okay. When clients get closer to retirement, liquidity is an extremely important factor Yeah. because clients need access to their funds to retire. So Yes. I've always operated in the sense that whilst building wealth and in your early stages of your career, industry funds are a fantastic opportunity low fees. As Mhmm. you get closer to retirement, you need funds that don't invest in those types of investments. So Okay. everything we recommend recommend is a listed asset. So that means Okay. that your funds you have access to a daily share price. In an unlisted asset, the the price might be calculated quarterly or monthly. So you don't have a live value. Yep. So that's why for my retiree clients that are approaching retirement, I tend to on the side of caution when it comes to those types of investments. Yep. So that's Perfect. why I didn't choose q Yes. super. Like, Yeah. Yep. Then so what my recommendation is is essentially that we're gonna keep 10,000 in q super to maintain your insurance, get you to sign that opt in form to make sure your insurance Mhmm. remain active, roll the surplus to hub twenty four. Yep. The the fees will increase a little bit, your administration fees, simply Mhmm. because so it says you'll pay $228 more in administration fees in hub twenty four, and that's because Mhmm. we're taking the funds out of q super and increasing them in Hub 24. So the difference between that will be $228. So it's gonna so that's the savings from QSuper and the extra that you'll pay with hub twenty four. Does that make sense? Yes. Yes.","start_word":3521,"end_word":3926,"sentiment":"neutral","sentiment_score":-0.006113796265511383},{"text":"Okay. Fantastic. Additionally, there is no CGT exposure in the q super fund because they're gonna make a few investment switches as well.","start_word":3927,"end_word":3949,"sentiment":"positive","sentiment_score":0.444382518529892},{"text":"I mean, in the hub twenty four fund. Sorry. No? Because, yeah, there's no capital gains tax. In q super, there could be. It is hard for us to know because of the type of fund it is. So because all the money is invested in a pooled situation, so yours is invested with everyone else in the lifetime focus, Yes. you don't have you own a share of it. You don't own the investment specifically. So an allocation of capital gains tax would be applicable to you. Typically Okay. smaller in a pooled fund, but I'm unable to actually determine what that will be. Fair enough. Yep. So in line with considering q super as well, we considered another fund like my north. The a high CGT would have been occurred through hub twenty four to do that, approximately $1,600. So that's why I discounted that. Mhmm. And, also, their investment trading fees are a little bit higher. So Okay. any questions following that? No. It's a lot to take in, isn't No. it? Yes. The fee comparison is the next page. So that's the difference in the fees that I explained to you. Yep. So that table so running your eyes over that first table, any questions there? No. No. That no. That's fine. No. And that second table below is your projected balance. So we don't do anything sick like large balance projections outside of ten years. So you'll see in five years, if you leave things currently as they are, your expected balance is 262 or 263,000 rounded up. If we go Mhmm. with the recommended, it's projected to be 306,000. Yes. But at age 65, which is in nine years' time, if we go with the recommended, you're gonna be approximately $90,000 better off. So that's based on historical returns, but Yep. also conservative as well in nature. So we're not gonna some may calculate these saying, oh, this is based on a 20% return.","start_word":3950,"end_word":4279,"sentiment":"neutral","sentiment_score":-0.01589399796317924},{"text":"They're definitely not.","start_word":4280,"end_word":4282,"sentiment":"negative","sentiment_score":-0.3545982539653778},{"text":"They're they're based Yeah. on a very conservative return. Yep. The next page just shows you the annualized investment returns as of the August 31, and it's just comparing between the two. So you'll see over the long term, Hub does perform better. Well, the portfolio that we've created in Hub does perform better than q super Yes. over the longer term, which is what we wanna see. Absolutely. The next the next one is the recommended investment. So it's a table of your superannuation with the first line being your q super. So you'll see that there's a negative figure of 76 odd thousand dollars with a remaining Yes. balance of 10. That's what we're gonna take out. And then that's gonna be spread across your existing hub twenty four account. So you'll also know, yeah, you'll also know that first one note, sorry, that first one being the panel on concentrated equities with a negative figure of $19,679.81. Yes. That's the one that we're gonna sell out of that was underperforming. Yep. Perfect. So that one as and then it will be spread. That plus some funds coming from your superannuation in q super will be spread out across your new portfolio. Mhmm. The other ones that are negative showing in red, we're selling out of those investments to take Yep. a to invest differently in some alternative funds. Perfect. So any questions there? No. But it's right. Okay. And sorry. That table continues below. So Yep. you'll see that so that beta shares 200 is actually what we're replacing the Benelong one with. Yep. Yep.","start_word":4283,"end_word":4550,"sentiment":"neutral","sentiment_score":0.027312941689377847},{"text":"Okay. It's beautiful.","start_word":4551,"end_word":4553,"sentiment":"positive","sentiment_score":0.7249452471733093},{"text":"The next section is your asset allocation. So being a growth investor, which we've just confirmed you're happy with, this is how your funds are spread. So you'll see in the proposed column and the existing, so they're the two middle ones, Mhmm. your current allocation to Australian equities is approximately 23%. We're gonna Yep. reduce that a little bit down to 20%. Okay. International equities, you're currently exposed to about 42%. We're gonna increase Mhmm. that to about 54%. And that just shows you the difference in your port your the the underlying sectors. But then if you Yes. see the growth, you have about 80 let's round it up, 85% invested in growth assets. So instead of 80, it's sitting at about 85 due to market conditions at the moment. So those figures will always change and fluctuate up and down depending on how the market's trading. Okay. So Yes. Yes. Absolutely. Mhmm. No. retirement income calculation. So this is based on your information today. So it's Okay. a very small table. So I'm just gonna zoom in. So this this is indicative of adviser fees and a consideration has been made for platform costs and investment fees. So this shows you the age pension is the blue part Mhmm. of the graph, and the green is the is your superannuation. So Mhmm. based on today's situation, your superannuation at $1,000 a week or 2,000 is your target, And this is a very basic one because we're not looking at retirement at the moment specifically. But to give you some insight, your superannuation balance on $2,000 a fortnight is gonna take you to age 91, Mhmm. and that's with a retirement date of 65. So this starts Mhmm. at 65. So you'll see that at 67, the age pension kicks in, and you don't need to draw as much from super to supplement that difference, which is why your superannuation lasts longer. So once Account.","start_word":4554,"end_word":4880,"sentiment":"neutral","sentiment_score":0.06801060878811262},{"text":"we've paid off that debt and we're able to put potentially a little bit more into super to build that for you, Yep.","start_word":4881,"end_word":4903,"sentiment":"positive","sentiment_score":0.4545997381210327},{"text":"I do not see any reason based on today's state why you would not be able to retire at Okay. 65. Yep. Okay? So I wanted Mhmm. to give you a little bit of peace of mind there Yes. because I know that that was probably weighing on you. Absolutely. Yes. Yep. Generally, the next page is the general insurance advice. So this is where I I looked into q super a little bit. It Yeah. does say that you are able to decrease it to thirty or sixty days. There are some eligibility requirements. I wasn't able to ascertain what those were. Okay. The change can be done through member online, which you mentioned you tried to do, but it wouldn't Yes. work, or Yep. completing a change of insurance form. Decreasing the waiting period will increase the cost of your insurance. Mhmm. But if you were unable to do it online, you could try by doing it through the change of insurance form to see if you were successful Okay. in doing that. Okay? No. Thank you for that. That's okay. And then the next page is establishing your beneficiary nomination. So at the moment, we we have recommended making them to your legal personal representative, which is basically your will. Mhmm. So that's one thing that I do need to just flag with you that the reason why we have made it to your legal personal representative is because it you save approximately 2% on tax payable to the government I'm home. on your balances. But I also note that you don't have a will in place at the moment yet either. So No. it's it would be if you if you did pass away with no will, it would go to, I believe, the Queensland trustees to manage it. If you there are many ways you can get a will.","start_word":4904,"end_word":5217,"sentiment":"neutral","sentiment_score":0.007146629213728456},{"text":"You can go I think there's a few online that you can do that you can utilize that are very low cost.","start_word":5218,"end_word":5239,"sentiment":"positive","sentiment_score":0.39568549394607544},{"text":"There's also the post office ones, I think, you can go get or Mhmm. or something. So I'll just I'll leave that with you and see how you go, and I can provide you with some resources if you need So we change it, like, the nominee goes to, like, a lawyer to. To your as a legal estate to your will. So a legal personal representative for superannuation is your will for your estate. oh, okay. So, yeah, that's what the superannuation companies refer to as your estate. So instead of saying Mhmm. estate, they say legal personal representative, which Oh, is essentially okay. the executor of your will. So, yeah, it it's probably pretty important to get one done up. We can definitely direct your superannuation to somebody over the age of 18. However, they will pay 15% superannuation tax as well as the 2% on top of that for Medicare. Yeah. Yeah. They don't miss you. So the reason why we do say a will is simply because you save the 2% on tax if you're having if your beneficiary is a nonfinancial dependent, which we discussed previously, is your current one with hub twenty four is not a financial dependent under superannuation and tax law. Okay. So we can definitely still nominate an individual until you get a will in place, but I Mhmm. would strongly recommend looking into that will situation as soon as you can. Yes. Absolutely. So on that, did you want to nominate an individual, or did you with your beneficiary nominations? Because that's something that I do need to make sure I address for you. So I can't put my kids, can I? You can, but they will pay the 17% tax instead of the 15% tax your estate would Okay. So pay. For as a stopgap for the time being, if you yep. wanted to until you got the will done, you could put your kids. Once you got the will done, if your kids were the beneficiary of your will, you we can change that to then being your estate. So I've got my dad's old. I'm trying to put him down for the time being. Sorry? So I just put my dad down for the time being or As your beneficiary? yeah. So do you want your dad to get your superannuation or your children? Oh, no. No. My kids. Sorry. Yeah. Sorry. Yes. Yep. Yeah. Okay. So you so your two children being the beneficiaries? Yeah. Yep. Okay. Well, we'll make sure those forms are included in the pack Mhmm. for you. The next couple of pages cover off on why you should establish a will and a power of attorney, which we talked through in our review. Yep. That's Yep. in there just to give you the information there. Mhmm. Page 33 is our ongoing services. So this is by being a client what you receive from us. Like I mentioned, you're not limited to your one annual review a year. We have an ongoing relationship. So as you need advice or if all things change, you just reach out, and we're that's what we're here for to provide advice.","start_word":5240,"end_word":5773,"sentiment":"neutral","sentiment_score":0.06569654483013274},{"text":"Beautiful. Thank you.","start_word":5774,"end_word":5776,"sentiment":"positive","sentiment_score":0.6251261234283447},{"text":"The important information is it just outlines the next steps, your reviews. So participate in your reviews because, you know, like we did this year, we got a lot we're we're ticking a lot of boxes off. Product disclosure statements, which I'll talk to in a second, our privacy policy. So they're the all the important little bits of documentation that you need to be able to refer to. Yep. The next page is remuneration, so our fees. Our fee, again, hasn't changed from when we spoke last time. I mean, the dollar fee might have changed a little bit depending on the balance, Yep. but it's 1.65%. So ongoing, it would be $3,039 per year, and then that's divided by 12 and paid monthly. Mhmm. Yep.","start_word":5777,"end_word":5903,"sentiment":"neutral","sentiment_score":0.07324877739187301},{"text":"Perfect.","start_word":5904,"end_word":5904,"sentiment":"positive","sentiment_score":0.6097012758255005},{"text":"Mhmm. The next page is the authority to proceed. So that just gives you a very high level overview Yep. of what all those things are that we just spoke about and what page number you can refer to it.","start_word":5905,"end_word":5944,"sentiment":"neutral","sentiment_score":0.18863658607006073},{"text":"Perfect. And the next page again is just a very quick summary of the remuneration.","start_word":5945,"end_word":5959,"sentiment":"positive","sentiment_score":0.3886235058307648},{"text":"So that same figure again paid by your super and then Yep. the steps to implement our advice Okay.","start_word":5960,"end_word":5978,"sentiment":"neutral","sentiment_score":0.2685137391090393},{"text":"that Beautiful. we will take.","start_word":5979,"end_word":5983,"sentiment":"positive","sentiment_score":0.44102510809898376},{"text":"Yes. Then the next page is the signature page. You'll notice in that there's a large empty area. If Mhmm. you don't wanna proceed with any of our advice, so let's say, for example, you decided I I don't want to roll over my q supra. I wanna leave it where it is and just see how things go. You would Mhmm. write that in that section. So any changes, you'd write in that section or something you didn't wanna proceed with, and then you'd sign it. If you wanted to go ahead with all of it, you'd just sign it and put nothing in that section. Okay. Any questions about the advice document? Perfect. No. No? Okay. The next the next document is the appendix to the statement of advice. So the first page and the second page is, again, a cover page and a table of contents. Mhmm. The third page is a breakdown of risk profiles. So So you've got your gross sitting in the mid middle there. And, again, that just shows you where we allocate most of your funds. So, again, 80% to gross, 20% to defensive, and then breaks it down where we would typically invest across the different sectors. Okay. Perfect. Important relationships and information. So the content of the SOA is just based on the information you've given me. Mhmm. The currency of the SOA is sixty days from the date of the SOA. No product guarantee. So like anything, we don't say that it's going to perform and do 20% and make promises that we can't keep, Yep. Yep.","start_word":5984,"end_word":6251,"sentiment":"neutral","sentiment_score":-0.005603541620075703},{"text":"we just continue to review and make sure that everything remains on track and is in line with your goals. Perfect.","start_word":6252,"end_word":6272,"sentiment":"positive","sentiment_score":0.40479424595832825},{"text":"The next page is where you'll see links to the investment PDFs. So they're your investment funds that we've recommended in hub twenty four. So they're links to them if you would like to have a read of those. The next Mhmm. document explains how we calculate our investment return methodology, showing you that, it's not, overinflated, let's say. Okay. Yep.","start_word":6273,"end_word":6333,"sentiment":"neutral","sentiment_score":0.11954903602600098},{"text":"And then the last page, two pages cover off on what life insurance through superannuation is, which I'm I'm pretty confident you're all over because you've had it that way for many, many years.","start_word":6334,"end_word":6367,"sentiment":"positive","sentiment_score":0.334817498922348},{"text":"Yes. The next lot of documents in the pack is oh gosh. That's it. Because your financial services guide, we gave to you previously Yep. in our review, and the product disclosure statements will make sure that we get in the the hub twenty four ones emailed out to you, although they haven't changed since the last time you received them also. So Yeah. after all that heavy information, do you have any questions, Sharon? No. None at all. No? And you're feeling okay about it all? Yeah. Absolutely. Okay.","start_word":6368,"end_word":6457,"sentiment":"neutral","sentiment_score":0.05076734349131584},{"text":"Beautiful.","start_word":6458,"end_word":6458,"sentiment":"positive","sentiment_score":0.45509570837020874},{"text":"So what I would suggest is if you wanna have a read over those documents, if you have any questions, reach out to me, and only when you are comfortable, sign those. We can Hello? then go through the implementation stage. So the team will then reach out to you to go through what forms need to be signed and walk you through that process. Okay.","start_word":6459,"end_word":6524,"sentiment":"neutral","sentiment_score":0.13893204927444458},{"text":"Perfect. Alright. It was lovely speaking with you, Sharon. And if and when reading those documents, if you do have any questions, please just give me a call, and we can run through them. Absolutely beautiful.","start_word":6525,"end_word":6560,"sentiment":"positive","sentiment_score":0.4642144441604614},{"text":"Alright. Well, Alright. do you have the day off today? Yeah. These are my I'm off today and tomorrow, so I rough the days off. Yes. Okay. And you're resting with your foot up? So I did. I'm still in bed, actually.","start_word":6561,"end_word":6602,"sentiment":"neutral","sentiment_score":0.06108944118022919},{"text":"I took a pain killer last night, so it made me a bit zoned out today.","start_word":6603,"end_word":6618,"sentiment":"negative","sentiment_score":-0.3933712840080261},{"text":"Oh, no. You're not zoned out enough to understand all we went through, was No. it? No. No. No. No.","start_word":6619,"end_word":6638,"sentiment":"neutral","sentiment_score":-0.3036925494670868},{"text":"No. I'm just lazy today.","start_word":6639,"end_word":6643,"sentiment":"negative","sentiment_score":-0.4281438887119293},{"text":"I understand that. I understand that. We'll take it so take some time to have a read of the document. And, again, any questions, just reach out to me.","start_word":6644,"end_word":6672,"sentiment":"neutral","sentiment_score":0.07282982021570206},{"text":"Beautiful. Thank you so much for doing that. It's greatly appreciated. Oh, absolutely my pet pleasure, Sharon. Thank you so much, and I look forward to speaking to you again soon. Yes. Me too. Beautiful. Thanks, Sharon. Enjoy your Thanks. day. You too. Thanks, Jenna.","start_word":6673,"end_word":6717,"sentiment":"positive","sentiment_score":0.7402232885360718},{"text":"Bye bye. Bye. Bye. Bye.","start_word":6718,"end_word":6722,"sentiment":"neutral","sentiment_score":0.20179471373558044}],"average":{"sentiment":"neutral","sentiment_score":0.05174773466356106}}}}